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	<title>Colayco Foundation</title>
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	<link>http://colaycofoundation.wordpress.com</link>
	<description>We fix your problems in personal finance!</description>
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		<title>Colayco Foundation</title>
		<link>http://colaycofoundation.wordpress.com</link>
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		<title>First Day of School</title>
		<link>http://colaycofoundation.wordpress.com/2009/06/02/first-day-of-school/</link>
		<comments>http://colaycofoundation.wordpress.com/2009/06/02/first-day-of-school/#comments</comments>
		<pubDate>Tue, 02 Jun 2009 10:50:52 +0000</pubDate>
		<dc:creator>colaycofoundation</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://colaycofoundation.wordpress.com/?p=158</guid>
		<description><![CDATA[by Grace L. De La Cruz, Accounts Officer Yesterday, June 1, 2009 was the first day of class for most schools. The first day of class is an exciting event for students geared up to learn new things, bond with old friends, meet new buddies and most especially, buy new school things. I remember my [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=colaycofoundation.wordpress.com&amp;blog=5378253&amp;post=158&amp;subd=colaycofoundation&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Pencil and Paper</title>
		<link>http://colaycofoundation.wordpress.com/2009/06/01/150/</link>
		<comments>http://colaycofoundation.wordpress.com/2009/06/01/150/#comments</comments>
		<pubDate>Mon, 01 Jun 2009 02:21:06 +0000</pubDate>
		<dc:creator>colaycofoundation</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://colaycofoundation.wordpress.com/?p=150</guid>
		<description><![CDATA[by Calon Baltazar, CFE Media Affairs Officer    The power of pencil and paper always amazes me. Not only does it bring to life my crazy imaginary world and my fondly characters during Monday morning meetings, but it also immortalizes my desires and concretizes my thoughts, dreams and ideas. __ After the Money Matters for [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=colaycofoundation.wordpress.com&amp;blog=5378253&amp;post=150&amp;subd=colaycofoundation&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>The Parable of the Talents</title>
		<link>http://colaycofoundation.wordpress.com/2009/04/08/the-parable-of-the-talents/</link>
		<comments>http://colaycofoundation.wordpress.com/2009/04/08/the-parable-of-the-talents/#comments</comments>
		<pubDate>Wed, 08 Apr 2009 05:39:44 +0000</pubDate>
		<dc:creator>colaycofoundation</dc:creator>
				<category><![CDATA[Reflection]]></category>

		<guid isPermaLink="false">http://colaycofoundation.wordpress.com/?p=145</guid>
		<description><![CDATA[The Parable of the Talents Again, it will be like a man going on a journey, who called his servants and entrusted his property to them.  To one he gave five talents of money, to another two talents, and to another one talent, each according to his ability.  Then he went on his journey.  The [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=colaycofoundation.wordpress.com&amp;blog=5378253&amp;post=145&amp;subd=colaycofoundation&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Looking Forward</title>
		<link>http://colaycofoundation.wordpress.com/2008/12/15/mga-aral-sa-pandaigdigang-pagbagsak-ng-ekonomiya/</link>
		<comments>http://colaycofoundation.wordpress.com/2008/12/15/mga-aral-sa-pandaigdigang-pagbagsak-ng-ekonomiya/#comments</comments>
		<pubDate>Mon, 15 Dec 2008 07:32:04 +0000</pubDate>
		<dc:creator>colaycofoundation</dc:creator>
				<category><![CDATA[PTS]]></category>

		<guid isPermaLink="false">http://colaycofoundation.wordpress.com/?p=140</guid>
		<description><![CDATA[Mga Aral sa Pandaigdigang Pagbagsak ng Ekonomiya Karugtong ang Pilipinas ng karamihan sa mga pandaigdig na institusyong pinansiyal lalo na iyong mga may kaugnayan sa ekonomiya ng Amerika. Gaya ng paulit-ulit nating naririnig, “When the United States catches a cold, the Philippines catches pneumonia.” Anumang mangyari sa Amerika, gaano man kasimple, ay malaking bagay para [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=colaycofoundation.wordpress.com&amp;blog=5378253&amp;post=140&amp;subd=colaycofoundation&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>The End Game</title>
		<link>http://colaycofoundation.wordpress.com/2008/12/05/the-end-game/</link>
		<comments>http://colaycofoundation.wordpress.com/2008/12/05/the-end-game/#comments</comments>
		<pubDate>Fri, 05 Dec 2008 17:34:38 +0000</pubDate>
		<dc:creator>colaycofoundation</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://colaycofoundation.wordpress.com/?p=143</guid>
		<description><![CDATA[Clarity of purpose  Some things may seem so basic and should be part of common sense. But actually, many do not think out issues carefully. People do things mostly on impulse and those who are not impulsive, analyze a little and then just assume things will work out on what they have decided after partial [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=colaycofoundation.wordpress.com&amp;blog=5378253&amp;post=143&amp;subd=colaycofoundation&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>How do I teach my kids to save their money?</title>
		<link>http://colaycofoundation.wordpress.com/2008/10/15/how-do-i-teach-my-kids-to-save-their-money/</link>
		<comments>http://colaycofoundation.wordpress.com/2008/10/15/how-do-i-teach-my-kids-to-save-their-money/#comments</comments>
		<pubDate>Wed, 15 Oct 2008 01:30:18 +0000</pubDate>
		<dc:creator>colaycofoundation</dc:creator>
				<category><![CDATA[Manila Bulletin]]></category>
		<category><![CDATA[kids]]></category>
		<category><![CDATA[moms and money]]></category>
		<category><![CDATA[save]]></category>

		<guid isPermaLink="false">http://colaycofoundation.wordpress.com/?p=16</guid>
		<description><![CDATA[When they were young, my wife and I thought that the best way to teach our kids to save was to provide them an allowance that was the bare minimum for their needs.  They brought their own “baon snacks and lunch” to school.  They rode the school bus and had some pocket money that we [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=colaycofoundation.wordpress.com&amp;blog=5378253&amp;post=16&amp;subd=colaycofoundation&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Saving for Studies: What do you look for in educational plans?</title>
		<link>http://colaycofoundation.wordpress.com/2008/10/14/saving-for-studies-what-do-you-look-for-in-educational-plans/</link>
		<comments>http://colaycofoundation.wordpress.com/2008/10/14/saving-for-studies-what-do-you-look-for-in-educational-plans/#comments</comments>
		<pubDate>Tue, 14 Oct 2008 01:38:30 +0000</pubDate>
		<dc:creator>colaycofoundation</dc:creator>
				<category><![CDATA[Manila Bulletin]]></category>
		<category><![CDATA[educational plan]]></category>
		<category><![CDATA[moms and money]]></category>
		<category><![CDATA[save]]></category>
		<category><![CDATA[studies]]></category>

		<guid isPermaLink="false">http://colaycofoundation.wordpress.com/?p=20</guid>
		<description><![CDATA[To read the article, double click image.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=colaycofoundation.wordpress.com&amp;blog=5378253&amp;post=20&amp;subd=colaycofoundation&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">Moms and Money</media:title>
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		<title>What is Subprime Lending?</title>
		<link>http://colaycofoundation.wordpress.com/2008/10/06/what-is-subprime-lending/</link>
		<comments>http://colaycofoundation.wordpress.com/2008/10/06/what-is-subprime-lending/#comments</comments>
		<pubDate>Mon, 06 Oct 2008 05:12:48 +0000</pubDate>
		<dc:creator>colaycofoundation</dc:creator>
				<category><![CDATA[GMANews.TV]]></category>
		<category><![CDATA[subprime lending]]></category>
		<category><![CDATA[US credit crisis]]></category>

		<guid isPermaLink="false">http://colaycofoundation.wordpress.com/?p=70</guid>
		<description><![CDATA[Subprime lending was developed in the late 1990s in the United States and became popular in the past five years.  Subprime lending simply means lending to people who have questionable capability to repay the loan. Banks, generally, lend to prime clients or those who have a good credit rating.  A good credit rating is earned [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=colaycofoundation.wordpress.com&amp;blog=5378253&amp;post=70&amp;subd=colaycofoundation&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>(O)rganize (F)inances before (W)orking Abroad</title>
		<link>http://colaycofoundation.wordpress.com/2008/09/19/organize-finances-before-working-abroad/</link>
		<comments>http://colaycofoundation.wordpress.com/2008/09/19/organize-finances-before-working-abroad/#comments</comments>
		<pubDate>Fri, 19 Sep 2008 04:56:40 +0000</pubDate>
		<dc:creator>colaycofoundation</dc:creator>
				<category><![CDATA[GMANews.TV]]></category>
		<category><![CDATA[back-for-good]]></category>
		<category><![CDATA[ofws]]></category>
		<category><![CDATA[pre-departure]]></category>

		<guid isPermaLink="false">http://colaycofoundation.wordpress.com/?p=67</guid>
		<description><![CDATA[It has been my advocacy over the past five years to concentrate on teaching financial literacy to income-earning Filipinos.  Fortunately or unfortunately, a great majority of Filipinos earning substantial regular income are the Overseas Filipino Workers or OFWs.  I am quite blessed to be able to get to know them and their problems related to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=colaycofoundation.wordpress.com&amp;blog=5378253&amp;post=67&amp;subd=colaycofoundation&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>I am looking for a good educational plan for my child. What do I look for?</title>
		<link>http://colaycofoundation.wordpress.com/2008/09/17/i-am-looking-for-a-good-educational-plan-for-my-child-what-do-i-look-for/</link>
		<comments>http://colaycofoundation.wordpress.com/2008/09/17/i-am-looking-for-a-good-educational-plan-for-my-child-what-do-i-look-for/#comments</comments>
		<pubDate>Wed, 17 Sep 2008 01:17:58 +0000</pubDate>
		<dc:creator>colaycofoundation</dc:creator>
				<category><![CDATA[Manila Bulletin]]></category>
		<category><![CDATA[educational plan]]></category>
		<category><![CDATA[moms and money]]></category>

		<guid isPermaLink="false">http://colaycofoundation.wordpress.com/?p=11</guid>
		<description><![CDATA[When my children were growing up, my wife and I did not have any thought of saving separately for their education.  We just tried to earn as much as we could and minimize our expenses.  We saved and invested as much as we could while living a modest life.  Looking back, we were blessed that [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=colaycofoundation.wordpress.com&amp;blog=5378253&amp;post=11&amp;subd=colaycofoundation&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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