For braving the odds in the publication of this book and for your goal of sharing very important knowledge to the Filipinos, Pinoy Smart Savers truly deserve a commendation.”

- Sen. Manny Villar, Sipag at Tiyaga advocate

“The book is excellent. It is the answer to 90% of Pinoys’ problems. The book is not only for those who are interested to learn but also for those who are eager to share its lessons to others who need it.”

- Julie R. Gandionco, Multi-awarded Entrepreneur & Founder, Julie’s Bakeshop

“Money management is the bane especially of ordinary citizens. Most have no clear understanding about how money should be used – or spent – in order to make life more meaningful – or pleasurable. Often, spending for the sake of spending becomes an end in itself. This book is thus a very practical and no-nonsense guide to personal financial planning / work ethic. I ardently recommend it for everyone.”

- Gov. Ayong Maliksi, Province of Cavite, Coop Capital of the Philippines

“Nakakatuwa ang libro mo, pang-Pinoy talaga! Para siyang tatay na lahat talaga ng kailangan kong malaman e sinasabi; nacover mo lahat ng thinking ng Pinoy. It is heaven sent. I am now lost in financial planning and I was praying to God for guidance and He showed me your book. Irerecommend ko ang libro mo sa mga Pinoy kasi iba pa rin kapag local setting ang tema ng libro. Madaming salamat for writing this.”

- Ruschelle Ian Peña, Overseas Pinoy, Singapore

“Kaya mo, Pinoy! stresses the message of practical personal finance without stressing the reader. This is one of the best I've seen to help the masses have a street savvy, plain Taglish understanding of the financial planning world.”

- Henry Ong, RFP®, Chairman, Association of Registered Financial Planners of the Phils.

“Your 12 Steps to Build Wealth are practical reminders to many Filipinos who aspire for wealth without knowing the basic strategies for earning decently and for saving such earnings. This book is a way of enriching the mind so that we are able to prepare ourselves for financial independence. As often said by National Bookstore founder Nanay Coring Ramos: ‘Invest in your mind. The more you learn, the more you earn.’”

- Abdon M. Balde Jr., National Bookstore Consultant & Vice-Chair, Unyon ng mga Manunulat sa Pilipinas (UMPIL)

“Let me congratulate you for this very enlightening and practical guide to personal finance. I'm recommending this book to my friends. I'm sure this book will change the lives of a lot of people who will get hold of this and put into action your recommendations. I'm a CPA and while I'm familiar with some of the topics, there are a lot more that I learned only from your book. I wish I had this book when I was younger.”

- Edgar V. Grapa, CPA, CFO of Eaglecrest Corp. & Calcrest Producers Cooperative, Davao City

“Practical at madali intindihin ang mga instructions… halos tumbok lahat ng mga nangyayari sa mga OFWs. Kumpleto ang sahog lalo na kung paano magtipid para sa kinabukasan. Malaki ang maitutulong nitong book sa mga OFW na karamihan ay nagugulat sa perang nahahawakan kumpara sa kinikita nung nasa Pinas pa ang trabaho. Excellent job!”

- Edgar D. Galang, Overseas Pinoy, Dubai

“I find this a light yet very informative & engaging read. For someone with low financial IQ your book reoriented my way of thinking - that I have to work for as long as I’m able so my family can live in comfort. Now, perhaps I can work less, retire earlier and still practice my beloved profession without worrying about my family's financial future. Your book has made working and practicing as a doctor take on different meanings for me. Thanks!”

- Dr. JCEA, Physician, Cebu City

“Alvin's book gives a refreshing take on personal finance. What I like about the book is that it zeroes in on the Pinoy's culture and yet it does not deviate away from well established principles of financial planning. This is a must-read for all of us.”

- J. Randell Tiongson, RFP®, Pres. & COO, Personal Finance Advisers Phils Corp., Co-founder, www.income-tacts.com

“Kaya Mo Pinoy! suits as well as a slogan; a real guide, quick, witty and a fast read! No beating around bushes; direct to the core of the problem... VIVA!”

- Mayet Garbo Cecconi, Overseas Pinoy, Florence, Italy

“This book is very helpful and easy to understand. It stresses on simple ways on how to manage the income we're earning. I'm sure this will help young professionals in planning and saving for their future, just like me! Thanks!”

- Thea, Call Center QA Analyst, Cebu City

“This book is a must read. A valuable tool for people who would like to start doing some financial planning... Very enlightening, brief, concise and easy to understand.”

- Betty Dante-Aw, RFP®, ARFPP Charter President

“Most people have an idea for building wealth sometime in their lives. For many it remains just that – an idea. But for a brave few it does become reality. And there is more than enough advice out there for them, from managers to financial gurus. Yet, only few can explain it as simply and concisely as Alvin has. Begin now and be truly inspired. We sure are! ”

- Jeanne, Flight Attendant, Hong Kong
- Cesar Hernandez, Region manager, SMBIL

“An excellent read; very informative with very practical suggestions. I will follow your suggestions to enhance my goal of reaching financial stability and retiring young. A highly recommended book for all Pinoys - for the young especially and not so young, and a must read for the OFWs who don't want to remain an OFW forever.”

- Doreen B. Canillas, Overseas Pinoy, Canada

“I found this insightful and practical. Worth reading for the general Pinoy readers regardless of their income bracket”

- Jewel Marbebe, MBA, Technical Trainer

“I love the way the book discussed money issues in the Filipino setting. It gave a clear picture on the problems encountered by common individuals... The book inspired me to evaluate my way of living, manage my finances, and be a more responsible spender. I can think of so many people who can benefit from this book. Two thumbs up!!!”

- Joyce, Call Center Agent

“The topics and the contents are simple and easy to digest and understand. This will be a big help to our fellow Filipinos to improve their status in life and establish a better future. Good Book ! Good Work!”

- Thelma Sasao, Overseas Pinoy, Nishinomiya City, Japan

“Kaya Mo, Pinoy! is a must read by all Filipinos – OFW’s most of all; it’s the book they’ve been waiting for. Malawak ang coverage; the author walks the reader and clearly explains the steps. The reader finally awakes; mamalayan siya sa wastong paggamit at pag-iimpok ng pinaghirapang salapi. The book targets the average Filipino who is made to believe na kaya niya; he can now jump start towards the direction of a better and secure future.”

- Sally Cristobal-Takashima, Instructor, Takatsuki City Board of Education
   Adviser, Phil. Community Coordinating Council, Western Japan

“Bravo! Kaya mo, Pinoy! Does not just inspire and motivate but it also eliminates the question “How can I get wealthy?” Its simplicity and step by step approach can reach out to anyone regardless if you have little or no money to begin with, the tips and strategies to building wealth is pragmatic. Hands down, this book is a must.”

- Charles Andrew Amoroso, Personal Finance Coach

“I was engrossed with your book after reading the foreword; I did not stop reading until I reached the last chapter. I am so impressed in the way you discussed your pointers (the 12 steps) and was fascinated by your table illustrations... Being ignorant about the proper way of saving, this was an eye opener to me and at the same time post a great challenge to start saving now! Thank you for writing this book. It will be a great help to many.”

- Melfi Caranto, Director, Student Personnel Services, TIP-Manila

“The book reflects the true Filipino values as far as financial management is concerned. Language used is simple and insertions of Filipino lines is ‘in na in’ because it’s really the trend now. It has wide coverage of topics.”

- Arsenio R. Jallorina, President, Manila Public School Teachers Association

“If you desire to learn simple and practical ways to manage your finances and if you dream of a happier and more fulfilling life then I recommend this book. It provides great, no-nonsense, practical financial advice that’s easy to follow! It focuses on what is important! The author has identified, in a very straightforward manner, a clear path to a way of life that inspires and enriches the reader. Now, I can say with confidence ‘kaya ko 'to!’”

- Janette, Med. Tech., Georgia, USA

“This book is excellent. I realized how important saving money is. This really helps espcially to those like me who are minimum wage earners and are pressured on proper money management. I think every Filipino must have this. This really helps, trust me.”

- Cherry Coscolluela, Fast food service crew

“Highly recommended, an A+. A practical guide for every Pinoy that's smart and easy to read and understand.”

- Gilbert Tiu, Regional Sales Manager, Watsons Phils.

“Stop complaining and start doing something to rise above your poverty” was one of the many lines in the book that struck me. As a new nurse who is still shaping one’s career, this book made me see my weak spots and what I should improve to give myself a better future. It is truly inspiring; with every flip of the page you just want to go ahead and start bringing yourself one step closer to success. Good work!”

- Jennifer Kate Lintag, Nurse, Cebu City

“Easy to read and a practical guide especially for first timers inter-ested in investing. (The author) obviously spent time in including stories & illustrations in the vernacular and providing examples applied to the Philippines.”

- Melissa Segui, Consultant, San Miguel Corp.

“Thanks to your book. Kakatuwa. Very realistic, na kapag nabasa mo bigla kang marereality check. Very good reminder. Dami ko natutunan. Sana noon ko pa nabasa. Anyway, it’s not too late.”

- Lory Ann Mendoza, Business Owner, Cavite

"An eye opener! Schools should use this book to teach students not only how to land a good job but also on how to manage their income. Learning on how to save is what schools are missing out.”

- Lita Estella, Agency Manager, Philam Plans

“This book for me is very personal. It feels like a friend telling you a must see movie or a favorite book that you have to buy. I am surprised that at times I have a request for one chapter and it’s answered in the next chapter which motivated me a lot to read on. This must-read book is practical, concise but coherent, matter-of-fact, convenient and useful. I’ll buy it as gifts to my family, friends and people I know will benefit from it.”

- Noria P. Adam-Lim, UP Masters Student, Special Education

"Superb! The book makes plain the principle of financial planning. Masarap basahin. Once you start reading, you will never stop until you finish. A must read for all Filipinos from all walks of life. Just follow the principles discussed in the book and for sure the result will be positive.”

- Edmund Lao, Sales Engineer, Makati City

“I genuinely enjoyed reading the book. It is simple and straight to the point. Concepts are explained plainly & clearly that it can easily be understood by a layman. Eye-opening and inspiring! It gives hope and motivates the common Juan to save for the future.”

- Engr. Ramir Jarabis, College Instructor, USC & USJR, Cebu City

“I just finished reading your book, Build Wealth and I must say, I learned a lot from your book… Congrats to your book! You made it easier for us to invest and build our wealth.”

- Klarence Sy, Manila

"A very good book to read when it comes to managing your personal finances. Written in a simple language yet conveys so many lessons."

- Francis, IT Risk Manager, Manila

“Thanks po sa book. Di po ako nag-alinlangan na bilhin yung book kahit few money left na lang yung natitira sa akin bago ako sumahod. I appreciate the book so much that I tend to change my vision in life. Irerecommend ko po sa mga ka workmate ko na bilhin ‘coz magigising talaga sila sa katotohanan. God bless po.”

- Anonymous text message

“I was enjoying the book so much that I almost forgot that this is a personal finance book! The ideas are so practical and so Filipino that it gave me hope once more - knowing that there is still a chance for Filipinos anytime, anywhere. A must read!”

- Peter Allan Mariano, Business Dev't Director, Worldnet Business Center, Makati City

“I like your book, ang dami kung natutunan. Na enlighten ako kasi as of now malaki ang problema namin financially pero alam ko matatapos din eto. Nirecommend ko din sa mga relatives ko. Goodluck and more power sa inyo. Keep up the goodwork!”

- Janet Dino, Small business owner, Parañaque City

“Thank you for releasing this book, it is really very informative and gives practical ways to save and be secure for life. For an OFW like me who have worked for quite a long time but not able to save for my future, this book really awakened me and gave me the knowledge on how to do things right. I am happy to start my life by the basic points you have given.”

- Antonette Bayron, OFW, United Arab Emirates

"12 Steps to Build Wealth on Any Income, the best - especially for Filipino readers. You can learn how to control yourself from too much spending, and it helps you wisely on money matters. Masarap basahin - the author has a good sense of humor, may sundot patawa lagi. Superb!”

- Marife Calupit, Seafarer, Florida, USA