Pera and Purpose Podcast

Want to level up your PowerPoint game?Join us for Present Better, a free workshop designed to help you create and deliver presentations that do more than look good — they connect, engage, and leave a lasting impact.📅 August 24, 2025🕑 2PM to 4PM📍 BHub, Burjuman Mall🎟 Free Event. Limited Seats Only! Register now via this link - https://forms.gle/UE862CU3wRJkqV7Z8Learn from Dr. Rex Bacarra as he shares practical tips and techniques you can use right away, whether you’re teaching, training, or presenting to clients.===He was a teacher who had nothing.No business.No inheritance.Not even a permanent home.For 5 years, he was homeless, sleeping in parks, walking miles just to survive.But somehow, he got out.And what he did wasn’t what you’d expect.In this episode, you’ll hear how Doc Rex escaped poverty not through shortcuts, but through a mindset shift that changed everything.📍If you’ve ever felt stuck, broke, or behind in life… this story is for you.==Connect with Dr. Rex https://www.instagram.com/the_philosopher_monk/Follow PROANGAT by ProFriends FB Page https://www.facebook.com/proangatbyprofriends

🎟️ Free event. Limited slots. Register now through this link - https://forms.gle/q6YWasLpLyzk8QqC6📍 Ostro Restaurant, Dusit D2 Kenz Hotel, Barsha Heights🗓️ July 25, 2025🕖 7PM to 10PM===Many OFWs think they have to choose between a stable career and their passion, pero what if you didn’t have to pick one over the other?In this episode, we explore how following your passion alongside your career can open unexpected doors.James Morales is a Cluster Assistant Marketing Manager at one of the world’s largest hotel groups—and a men’s fashion and lifestyle content creator who’s worked with brands like Nike, H&M, and Marks & Spencer.His journey shows how OFWs can build a meaningful personal brand, stay grounded in their day job, and still create space for passion, growth, and joy.This is for OFWs curious about reinvention, self-expression, and building a life you actually enjoy.Follow James Morales: https://www.instagram.com/jamesfeedstyleFollow PRO-ANGAT by Profriends FB Page: https://www.facebook.com/proangatbyprofriends/

📅 Schedule Your Financial Clarity Call: https://jayadriantolentino.com/financialclaritycall?podcast=howmuchdoyouneedtoretire⬇️ Download the Retirement Calculator here: https://jayadriantolentino.com/resources?video=wgkzK1FTHRg=========Most OFs have no idea how much they really need to retire.In this video, I’ll walk you through the exact process I use with my clients to calculate their retirement number — using real-life data, simple projections, and zero fluff.✅ No guessing✅ Just a clear, practical way to know how much you need — based on your goals, lifestyle, and future location.===CHAPTERS:Step 1: 1:10Step 2: 2:43Step 3: 4:08Step 4: 6:34

Book your clarity call today: https://bit.ly/3Gjhm8S====If you're earning ₱250K to ₱800K/month abroad but still feel stuck, this video is for you.You have savings, insurance, even investments—but deep down, you’re unsure where it’s all leading. You’re not alone. I call this The Clarity Gap—the space between earning well and knowing exactly what you’re building.CHAPTERS:Reason #1: 00:47Reason #2: 02:02Reason #3: 04:07Reason #4: 05:42Reason #5: 07:07

📢 Pro Angat Talks Free Registration: https://bit.ly/4iXa3BEREGISTER NOW!In celebration of International Women’s Month, PRO-ANGAT proudly presents its first event! Join us for an inspiring panel discussion featuring successful Filipino career women who have mastered the art of thriving in competitive careers while embracing motherhood—all while living abroad. 💪👩‍👧‍👦Wo-Moms Day: Balancing Ambition, Parenting, and SelfHosted by Mariben Tan Eustaquio, alongside three impactful Filipinas excelling in different careers in Dubai: Mary Joy Laquihon, Dr. Mary Jane Alvero - Al Mahdi, & Louie da Costa📅 March 23, 2025⏰ 2:00 PM - 4:30 PM📍 Lifestyle Area, Sari-Sari Store, Albwardy Investment BuildingGet ready for real stories, powerful insights, and practical strategies from women who have redefined success, resilience, and balance.This is a FREE event! Secure your spot now!🎁 Exciting raffle prizes & special gifts await! Limited to 50 participants—first come, first served!Stay tuned for more details! 💙========================SKIP TO THE BEST PARTS:Raising Kids VS Growing A Business 03:05Getting 3 Majors and Being a US Stock Broker 04:18Coming to Dubai 15 Years Ago 08:42Why You Must Make Time for Your Kids 10:36On Starting EZone 13:01The Hardest Part When Starting A Business 19:16The Mindset Mariben Had From Being An Admin to Becoming A Director 21:17How She Raised Her Kids While Growing Ezone 25:10Being Betrayed By Her Trusted Employees and How She Bounced Back 31:48Why She Prioritizes Education for Her Kids 43:31Her One Biggest Lesson in Business 46:40What Legacy She Wants to Leave Behind 50:58====Success isn’t just about talent.It’s about resilience, tough choices, and staying true to your purpose.Even when everything seems stacked against you.In this episode, I sit down with my friend Mariben Eustaquio, founder of EZONE Business Setup Dubai, a mother of three, and a Board Director for the Philippine Business Council Dubai and Northern Emirates.Her journey?Nothing short of extraordinary.From starting as an admin to leading a thriving company, Mariben built her success one decision at a time. But it wasn’t all smooth sailing.She opens up about:→ The defining moment that pushed her to start EZONE→ Facing betrayal from her own employees—and how she rebuilt→ Juggling motherhood and entrepreneurship without losing sight of her vision→ Hard-earned lessons every business owner and working parent should hearMariben’s story isn’t just about business..It’s about faith, resilience, and proving that women don’t have to choose between ambition and family.This episode is powered by ProFriends as part of the Pro Angat Series, a platform that uplifts and empowers Filipinos to reach new heights in career, business, and life.Listen in for a conversation packed with real talk, tough lessons, and the mindset shifts that drive lasting success!--Follow Mariben on instagram: https://www.instagram.com/maribeninthecity/

Download TapTap Send today:🤖Google Play Store: https://bit.ly/3KCAmyq🍎Apple App Store: https://apple.co/3qsTQiiBonus of promo code KUYAJAY for 1st senders to PH:UAE - AED 25US and Canada - $20UK - GBP 10EU - EUR 10==============================Are you thinking about buying a condo in the Philippines? Before you make that big investment, watch this masterclass to avoid costly mistakes that could lose you hundreds of thousands!In this video, I’ll walk you through:✅ How to Gain Clarity on Your Condo Investment Goals✅ Planning Carefully Using the Hierarchy of Financial Needs✅ Doing Your Own Research to Protect Your Hard-Earned MoneyCHAPTERS:Gain Clarity - 05:28Careful Planning (Hierarchy of Financial Needs) - 09:59A sample Spending Plan - 14:57Do Your Own Research (DYOR) - 16:19→ AI Tools - 16:30→ BSP’s RREPI and How to Compute for CAGR - 20:24→ How to Check for Zonal Value - 22:40→ Global Property Guide - 24:28→ Location - 25:48→ Property Developer - 27:17→ Future Expenses - 31:28→ Mortgage Calculator - 32:52→ Reminder for Commission-Based Professionals - 34:20→ Sample Future Spending Plan - 37: 30→ How to Check for Inflation, Interest Rates and Exchange Rates - 39:23Things to Avoid - 41:33Experience of People I’ve Worked With - 45:53The 2 Types of Investors - 47:40==============================LINKS📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay📚Download My Free Resources: https://jayadriantolentino.com/resources

Metro Manila’s condominium market is facing an unprecedented challenge: an oversupply of units has left buyers, investors, and developers grappling with uncertainty. In this video, we’ll uncover the factors behind this crisis and explore what it means for property owners, potential buyers, and the overall real estate market. Joining us is Dr. Ben Lebig Jr, a financial planning expert, entrepreneur, and author of TRENDING UP: Expat’s Guide in Building a Strong Foundation on Investments. As the founding chairman of the Association of Registered Financial Planners UAE Chapter, Dr. Lebig has guided countless individuals, especially expatriates, in making informed financial decisions and achieving wealth-building goals. With his expertise and actionable insights, Dr. Lebig will help us understand: - Why this oversupply happened [03:45] - Mis-selling of a lot of agents to OFW's [09:12] - The Dangers of Condo Flipping [13:10] - Is the market crashing? [13:54] - How to navigate this situation [16:42] - Great locations for short-term leasing [22:01] - Importance of having an Emergency Fund [26:07] - Are there opportunities now that are similar to what happened during pandemic [27:42] - Dangers of Pasalo Units [29:37] - Should you go for the condos now or those that are pre-selling [32:41] - Ben's CONDOMINIUM Checklist [35:50]- Closing message [45:35] Connect with Ben: LinkedIn: Instagram: Buy his book Trending Up: Expat’s Guide In Building Strong Foundation On Investments: LINKS 📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay 📚Download My Free Resources: https://jayadriantolentino.com/resources 📚Watch on YouTube: https://youtu.be/RFDhF5-kavI

How often do you set financial goals, only to feel overwhelmed or lose focus along the way? It’s not that you lack ambition—it’s that most goals fail because they’re not built on a clear vision or a solid plan. In today’s episode, we’re diving into the strategies that can change that. What You’ll Learn in This Video: ✅ Impossible, Possible, Probable and Given - 3:13 ✅ How to create a compelling financial vision - 7:30 ✅ The Have-Do-Be exercise for clarifying your dreams - 8:00 ✅ Crafting Long and 3-Year Visions - 13:00 ✅ Sharing my personal vision - 14:15 ✅ Prioritizing your goals based on your Wealth Stage - 17:00 ✅ Writing SMARTER goals for success - 25:2 1Bible Verse: 30:22 -- LINKS 📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay 📚Download My Free Resources: https://jayadriantolentino.com/resources

In this episode, we explore the growing trend of DINK couples—those who are Dual Income, No Kids—and how this lifestyle is reshaping traditional ideas about family, finances, and fulfillment. Our special guest, Sharday Filio, a seasoned marketing and public relations professional based in Dubai, shares her experience of choosing a child-free life with her husband, Jeremy. Married since 2021, they’ve embraced a lifestyle that prioritizes freedom, flexibility, and pursuing their shared passions, like traveling. WHAT YOU’LL LEARN: Advantages and challenges of the DINK path Tackling questions about societal pressure, financial planning, and personal fulfillment. How does living child-free impact their goals? What lessons can we learn from this growing trend? Connect with Sharday: https://www.instagram.com/shardraco/ Join our community: https://whop.com/peraandpurpose/

Christmas is the most wonderful time of the year, pero madalas, ito rin ang panahon ng "overspending." Pagkatapos ng holidays, ang daming nauuwi sa utang dahil sa impulsive shopping at di-planadong gastos. Ayon sa Bangko Sentral ng Pilipinas, ang household consumption ay tumataas tuwing fourth quarter dahil sa holiday spending. Sa podcast na 'to, pag-uusapan natin ang mga simpleng paraan para mag-enjoy sa Pasko nang walang financial hangover. By the end of this episode, you'll learn how to take control of your holiday spending para ma-enjoy ang Pasko ng walang financial stress. Join our community for free: https://whop.com/peraandpurpose/

Ang ironic, di ba? The less money you have, the more expensive life becomes. It sounds counterintuitive, but this is the harsh reality for many Filipinos. Everyday expenses like healthcare, housing, transportation, and even food cost more for those who are struggling financially. And the worst part? These costs trap people in a cycle of poverty. According to studies, people living in poverty face what’s known as the "poverty penalty." The limited resources and options available to them lead to higher costs and fewer opportunities to escape their financial struggles. In today’s episode, we’re going to dive deep into why it costs more to be poor in the Philippines, from direct and systemic costs to hidden barriers and how we can start addressing these issues—both as a society and individually. What You'll Learn: The concept of the "Poverty Penalty" Systemic inequalities that trap people in poverty Hidden costs of being poor Debunking the myth of poor financial choices Solutions at both systemic and individual levels Join our Patreon Community today: https://whop.com/hub/peraandpurpose/

In this eye-opening Halloween episode, we explore real-life stories of individuals and families who experienced dramatic financial downfalls. These cautionary tales serve as powerful reminders of the importance of financial literacy and prudent money management. What You'll Learn: - The importance of risk management in wealth preservation - Why being a good steward of your resources matters - Understanding the language of money - The necessity of setting aside money for yourself, even as a provider - How to manage expectations in financial relationships - The critical need to fully understand a business before investing - Why continuous innovation is crucial in business - The dangers of lifestyle inflation - The importance of diversifying your financial knowledge and not relying solely on others Join our learning community here Download TapTap Send today: 🤖Google Play Store: https://bit.ly/3KCAmyq 🍎Apple App Store: https://apple.co/3qsTQii

Have you ever felt uncertain or disconnected when making financial choices, wondering if your decisions truly align with what matters most to you? This alignment is crucial because when your values and financial decisions are out of sync, it often leads to stress, dissatisfaction, and even financial instability. Research shows that when people align their financial actions with their personal values, they experience greater satisfaction and stability. Financial decisions become more than just numbers—they start reflecting your true self. This is why today, we’ll explore how to uncover your personal values and use them to guide your financial decisions effectively. By the end of this episode, you’ll have a clear roadmap for aligning your financial actions with your deepest values, leading to better financial health and greater personal satisfaction. What You'll Learn: The Importance of Understanding Personal Values Misalignment Between Personal Values and Financial Decisions Exercises to Identify Personal Values Resources mentioned: - ⁠Shalom Schwartz's Theory of 10 Universal Values⁠ - VIA Institute On Character ⁠Survey⁠