Joy T. Lumawod

03/01/2026

03/01/2026

03/01/2026

Keeping team’s tradition. Long live teamship and friendship journey🥳

03/01/2026

UNLOCKING THE ENTREPRENEURIAL MINDSET. I'm deeply honored to have facilitated "Unlocking the Entrepreneurial Mindset" for 150 business administration students from Mabini College of Batangas. This enriching experience allowed me to share my 15+ years of expertise in community development and social business.

Thank you, Arczone Professional Development, for recognizing my capabilities and selected me as a Resource Speaker. Your mission to empower Filipinos through capacity-building resonates deeply with me.

I eagerly anticipate future collaborations, contributing to the growth of our nation's future leaders.

*Arczone Professional Development is a service-provider of technical support and development assistance for national government agencies such as DepEd and local government units. It is composed of technical experts, professionals, master and PhD holder individual who contributing advanced knowledge.

03/01/2026

AT GROUND ZERO. "At 8:15 on the morning of August 6, 1945 the first atomic bomb used against humankind exploded about 600 meters above Shima Hospital in Shaiku-machi, utterly destroying all people and property below it. Among the burned ruins stood the skeletal remains of the Hiroshima Prefectural Industrial Promotion Hall(now, the A-bomb Dome), a grim reminder of what had been. "-The Sarugako-cho Neighborhood

02/01/2026

Welcome 2026!🥳

04/11/2025

31/10/2025

Ayon sa BSP, ang katumbas na halaga ng ₱1 ngayon ay .76 sentimo na lang, 10 years mula ngayon, magkano na lang kaya ang halaga?

28/10/2025

Estate planning isn’t just for the wealthy — it’s essential for anyone who wants control, protection, and peace of mind for their family and business.

For company, institutions and school partners who wish to include this topic on your training sessions, message me.

28/09/2025

Para kay Sir Benjie Pascual (na obvious dummy account) and those who think the same way.
You are not the first one to say that, by the way, “Benjie Pascual”. Many people criticize life insurance because a portion of what they pay goes to commissions for agents. But here’s the thing, almost everything we buy costs far more than its actual production. Try watching the show Shark Tank and take note of the “how much does it cost to make and how much are you selling it for” question.
Take a cup of coffee from a café for example. The beans, water, and milk might only cost a few pesos—but you don’t just pay for the ingredients. You’re also paying for the barista’s time, the rent of the store, the electricity, the marketing, the brand, and the convenience of having it served to you.
The same goes for clothes, shoes, gadgets, or even streaming services. The physical cost of making them is only a fraction of the price. What you really pay for is the distribution, service, expertise, and the assurance that the product or service reaches you when you need it.
Life insurance is no different. Yes, part of your premium goes to agent commissions—but that commission represents:
• The time and effort of an agent to educate you on something complex and life-changing.
• The service and support throughout the years (claims assistance, policy updates, reviews).
• The cost of keeping the system running—from underwriting to fund management to claims processing.
Everything has a cost beyond its raw materials. Without it, products and services wouldn’t exist in the form we enjoy today.
So instead of seeing commissions as wasted money, we should see them as part of the value chain that allows insurance to protect families reliably.
Salamat, Sir “Benjie Pascual”, at may naisip na naman akong pang-post. God bless!

12/09/2025

RETIREMENT TIPS: Here are a few ways you can become more financially knowledgeable:

Read trusted publications. Whether it’s finance books, blogs, or articles, it’ll always do you some good to read up and stay updated.

Research on things you don’t understand. There will be quite a number of financial jargon that may be unfamiliar to you so looking those up will most definitely help you.

Look up some courses. If you have the time, you can try checking out classes, whether online or in person, that will teach you more about managing and growing your finances.

Source: https://www.prulifeuk.com.ph/en/explore-pulse/health-financial-wellness/dealing-with-retirement-worries-and-the-filipino-culture/

20/08/2025

Thank you so much our dear clients! 🙏🫶