Jorina Bañes, AFP

Think of the TABLE as your LIFE and the legs as your INCOME STREAMS.

Set yourself with multiple streams of income so that your life doesn't collapse if one fails.

WOW!: How much it cost to have a Jollibee Party back in the day?. (Receipt dated September 16, 1983)

This is where inflation comes in. Inflation is a general increase in the price level of an economy over time.

Kung ang inflation noong March 2022 ay 4%. Gusto sabihin lumiliit ang buying power ng pera natin by 4%. Gusto din sabihin neto nadadagdagan ng 4% ang ating paghihirap.

Ang solusyon:
Kaiser Long-Term HealthCare - fund accumulates by 10% average may HealthCare ka pa, may insurance pa.
PDF Most 18 - May pinakamurang insurance na may high coverage + investment that accumulates an average of 10% (more than the inflation) and never go negative.
Mutual Funds - may access tayo sa iba't ibang Mutual Funds na nagbibigay din ng iba't ibang Rate of Return (Average 12%)

***Sa halagang bente pesos pwedeng pwede na mag top up. Pag trabahuhin natin ang pera natin, huwag yung natutulog ng mahimbing sa banko.

*** Join our Community! Join the 20 pesos ipon challenge!

>>> https://183036ph.imgcorp.com/

📸 Cheryl Ann

Tell me How to Build Emergency Fund Without Telling Me I am Already Building my Emergency Fund.

**Kung kumikita ka araw-araw at nakakapag ipon ka ng:

(Piso) 1.00 x 30 days =30 pesos in 1 month
(Trenta) 30 pesos x 12 months = 360 pesos in 1 year

Paano pa kung :
2 pesos x30=60x12=720 in 1 year
3 pesos x30=90x12=1,080 in 1 year
4 pesos x 30=120x12=1,440 in 1 year
5 pesos x30=150x12=1,800 in 1 year

What if mas malaki pa sa 5 pesos ang kaya mo maitabi? Let's say 1000 per month na lang.

May pambili ka na ng supply ng pagkain sa panahon ng emergency, pampagamot, pang-gastos pag nawalan ng trabaho atbp... Eto fund mo na alloted lang talaga pag may emergency. Pag natabi mo na, forget about it, kunin mo na lang pag may emergency talaga.

Pero sabi mo nga hindi mo habit ang mag ipon...

Kapag may ipon may peace of mind ka financially at emotionally.
Dahil sa panahon ngayon napaka importante ng EMERGENCY FUND.
****

"It's not how much you earn that counts, it's how much you keep!"

Get this best selling book for FREE. Read the first 2 Chapters here>>http://bit.ly/e-bookforfree

I want to share with you the article I have read to wit:

Before you dedicate your life to a person, a position, a party, a campaign, a cause, a platform, a political path, a life of service - make one other dedication first.

First, dedicate yourself to love. Decide to let love be your intention, your purpose, your point. And then let love inspire you, support you, and guide you in every other dedication you make thereafter.

To dedicate your life to love is the ultimate secret to success because love is intelligent. When one studies the effect of love - as opposed to fear, anxiety, or cynicism - it is apparent that every loving thought is a source of strength that helps to create a more beautiful life.

If you look at any story of societal or corporate transformation where everything begins to go well, innovations appear, and people are happy to be there, you will see that it is a story of love.

Most problems in societies and companies are not solved through competition, not through fighting, not through authority. They are solved through the only emotion that expands creativity. This emotion is love.

Love expands intelligence and enables creativity. Love returns autonomy and, as it returns autonomy, it returns responsibility and the experience of freedom.

Love is intelligent because love inspires vision, love strengthens values, love excites imagination, love expands possibility, and love is creative. The list goes on.

This April is a Financial Literacy Month.

The best way to show your love is to go beyond even after your death. The vision is to eradicate financial illiteracy in your bloodline.

When you help your self to be financially responsible, you're helping your family's economy, consequently prospering the country's economy.

Education without ex*****on is just entertainment.

We prosper by prospering others.

Message me here>>https://bit.ly/CoachJorine

If you give 30 days to clean your home, it will take you 30 days.

But if you give yourself 3 hours, it will take 3 hours.

The same applies to your goals, ambitions and potential.

~

Building habits of group vulnerability is like building a muscle. It takes time, repetition and the willingness to feel pain in order to achieve gains. ~ J. Cantal

Don't be shy about 5 things

~Old Clothes
~Poor Friends
~Old Parents
~Simple Living
~Old Phone

TWO STAGES OF FINANCIAL LIFE

1. Man works for money.
2. Money works for man.

What stage are you now?

Are you ready to be financially fit in 2022? Be part of the largest financial literacy event this March 26, 2022 and learn new ideas on budgeting, saving, investing and preparing for retirement from the leading Registered Financial Planners in the country!

Get your tickets now at 75% off up to February 15 (thats today!) only at this link Financial Fitness Forum 2022 https://www.eventbrite.com/e/250010477067/

I just talked to a friend who is interested to invest in Mutual Funds.
While explaining to her the benefits and how Mutual Fund grows, naalala ko yung isa kung kakilala na may P800k sa savings account dati and she's contemplating to put it also in Mutual Fund then.
That was year 2011 month of August.
Isa sya sa mga una kong nashare-an ng financial concepts na tinuturo sa IMG.
Siguro dahil medyo too risky for her to pull it out and put it in not so familiar investment vehicle para sa kanya, hindi niya itinuloy.
While ako nagstart lang ako sa 5k which I bought at php21.50 per share in August 2011 and I just put additional fund every month.
Ang suceeding (additional) investment kahit magkano basta minimum of 1k.
Yung php800,000 nya pala sana ngayon kng sakaling tinuloy nya maginvest ay php1,340,723 na ang value.
Based on PEFI NAVPS (Net Asset Value Per Share) which is php36.7674.

**Please note that market is at bearish now. Dati umabot na sa php43 ang NAVPS nyan.

Computation:
If bought at php21.50 in August 2011:
Sales load or Entry fee:
800,000 x 2% = 16,000
*i just use 2% sales load. Dati kc alam ko 3.5% sa minimum amout bracket. I forgot the amount bracket. But just for illustration purposes gamitin ko muna 2%.
Investible fund:
800,000 - 16,000 = 784,000
784,000/Php21.50 = 36,465 shares bought
Fund value NOW:
36,465 shares x php36.7674 = php1,340,723.24

**Gain as of Jan 28, 2020:
php 540,723
**sales load was offsetted already with the gain.

Not bad for 8.5 years right? 😊

Naalala ko sabi ng mentor namin lagi... Strive to build 1M in your investment, madali na yan lalaki!
Without any sweat kusa yan tutubo.

Before ang alam ko lang pano magtrabaho sa pera which is sometimes too stressful and totoo na habang ngkakaedad ka na may mga bagay na hindi mo na kayang gawin.
Dadating age na maghhiblood ka na. Frequent na visits mo sa doctors for check up.
Dagdagan pa ng nawawalang peace of mind because of the nature of your work at sobrang workload.
One of the things na hindi sa atin itinuro is paano palaguin ang perang kinikita natin.
And I am very thankful sa mga mentors namin na patuloy pa din sa mission to educate Filipinos about the importance of this financial concepts.

That is what we call Money Working For You! Ang pera hindi nagkakasakit.
It works 24/7. Ikaw ba kaya mo din ng ganun?
What I am sharing is I believe helpful and valuable kasi hindi habang buhay malakas tayo.
Just giving you my two cents on this cause sharing is caring. 😊😉

PS. This is a personal experience sinamahan ko lang po ng computation so you could easily imagine and figure it out.
PSS. Good thing now if you are a member of IMG, no sales load na.
Means additional shares to buy.

~ Joan - dating COA Auditor

***
Do you want to know how to invest in Mutual Fund with 0% load fee?
Message me here >>https://m.me/JorinaBanesPage

Do you want to receive FREE 20,000 Life Insurance coverage for 1 year?
Claim it here (see original post) >>https://www.facebook.com/1069219846489369/posts/4713062652105052/

As a widower (breadwinner, mother of 2) this pandemic made us realize na napakahalaga ang proteksiyon dahil hindi natin alam kung ano ang mangyayari anytime. Lalo na dahil may mga anak ka na naka depende sayo.

Natuto din tayo paano talaga i-define yung wants versus needs. Kasi yung wants natin ay na deceived natin as needs dahil sa kaka I "desurve this!" natin. In short, nagkaroon ng elimination process. Pwede naman pala tayo mabuhay ng wala milk tea hahaha! ganern!
Na maximize din natin ang mga shopback, vouchers, budget hacks, meal plans and mga online discounts para maka tipid.

Now, I am sharing with you this benefit na "Protected ka na, tipid ka pa" insurance from IMG and Manila Bankers Life. We are giving away 1 year FREE P20,000 Personal Accident Insurance for non-IMG members (Hurry! available until February 28 ONLY).

Simply follow these steps:

1. Register here: https://183036ph.30m2030.com/share.
Please make sure that your email address is active.

2. Click the Activation Link that you will receive in your email.

3. Ilibre mo na din ang iyong mga kaibigan. Register 5 persons as well that you want to share the Free P20,000 Personal Accident Insurance with (remember sharing is caring).

4. Application form will be sent to your email for your completion. Make sure all details are correct to avoid inconvenience.

5. Done! You will receive your policy from Manila Bankers Life – The best way to show your love!

Stay safe everyone! Sharing Is Caring ❤️

For questions, message me here >>https://m.me/JorinaBanesPage

If an investor is patient and disciplined, a crisis like this pandemic will always be an opportunity.

Without a community, discipline is hard to resolve.
Without a community, continuous learning isn't possible.
Without community, it's hard to stay committed to your goals.

Thank you IMG for this platform! ~ Joan Former COA Auditor

Excellent Quotes by Warren Buffet

On Earnings: "Never depend on single income. Make investment to create a second source."

On Spending: "If you buy things you do not need, soon you will have to sell things you need."

On Savings: "Do not save what is left after spending, but spend what is left after saving."

On Taking Risk:" Never test the depth of river with both the feet."

On investment: "Do not put all your eggs in one basket."

On expectations: "Honesty is very expensive gift. Do not expect it from cheap people."

Get Financial Coaching here >> https://m.me/JorinaBanesPage
👇👇👇

Gusto mo din ba maging Investor ng Jollibee at ng iba pang Malalaking Kumpanya dito sa Pilipinas?

Ang Mutual Funds ay isa sa mga pinaka mabilis at pinaka Madaling paraan para maging isa ka sa mga Shareholders at investors ng (JFC) Jollibee Food Corp at nang iba pa.
✔Every New IMG Member: may 1,000 Initial Investment in Soldivo Funds!
✔ Pwede mag-create ng Sub-Accounts for Educational Funds ng anak mo, Retirement funds, Travel funds or kahit Emergency funds dahil withdrawable ito anytime.
✔ Pwede ka na mag TOP UP sa halagang 20 PESOS lang!!!

Kayang-kaya diba? ilang 20 pesos na ba dumaan sa kamay mo?
Kaya naman, sulit na sulit ang pag-join sa IMG! just imagine, 20 pesos pwede ka mag-invest! 😎
Pwede mo rin naman ma-experience ang benefits na ito!

Comment "invest" below if you want to know more 👇👇👇 or just message us!

>> https://m.me/JorinaBanesPage

***Disclaimer: IMG does not sell mutual funds. All mutual funds are sold by our partner Rampver Financials.

Konti lang (about 2% of population) ang may alam about Stock Market sa Pilipinas. Kahit ito ang pinaka LEGAL sa lahat ng investment. 😬

Dito pwede kang mag INVEST at bumili ng shares sa malalaking kumpanya sa halagang 1,000 lamang. So habang kumikita sila, kumikita ka din bilang shareholder/part-owner ng kumpanya.

Hindi ka lang dapat consumer nila. Mas maganda shareholder ka din 😃. We are here to teach you and help you!

Never doubt that a small group of thoughtful committed citizens can change the world. Indeed, it is the only thing that ever has. ~ Margaret Mead

Join the Community of Savers and Investors >>https://183036ph.imgcorp.com

Get Your Free Investment 101 e-book >> http://bit.ly/e-bookforfree

This book is helpful for people who want to move from financial insecurity to financial security. It is the first step toward a better financial future and possibly becoming financial independent. ~ Xuan Nguyen

***
Friend this book is your ticket to upgrading your financial life. Read it, devour it, and share it with people who need a financial revolution in their life. ~ Bro. Bo Sanchez

***
Watch>> https://www.youtube.com/watch?v=52tzDjyaoj8

Passing the SSBYF Book - Dedicated to All Missionaries of Financial Literacy This video is dedicated to all Happy Campaigners of IMG Financial Literacy Around The World. Our Mission is to help create wealth for families. To make a dif...

May this Christmas bring LOVE in your heart
HEALTH to your body
PEACE and JOY to your home! 🥰

Happy Holidays!

Most of the things worth doing in the world had been declared impossible before they were done. ~ Louis Brandeis

Meron naman talaga na mga oldies sa society natin na nakapag ipon para sa retirement. Pero dahil kulang sa financial education, mga isa, dalawa o tatlong taon lang ubos na ang perang inipon. Kaya ang resulta pag nagkasakit at na ospital, mga anak at apo ang talagang nag aambagan para dito. There’s lapses sa financial industry na gusto nating ma solusyunan sa ngaun pa lang, at isa sa financial solution ay ang pagkakaroon ng long-term healthcare.

Dahil mahaba pa ang time horizon to invest, mas maaga, mas mura mo pa etong makukuha at mas mahaba pa ang oras para lumago ang pera mo sa investment.. kabaliktaran naman kung nasa latter years ka na kasi maghahabol ka na ng oras to grow your money kaya para maka cope up mas malaking halaga ang kakailanganin mo para maabot mo ang target mo.

“The problem with being young is that you don’t know what it feels like to be old.

If you knew what being old felt like, you would plan your financial life differently. ~ Robert Kiyosaki

Agree ba kayo?

📸 linuxmanalaysay

Do you agree or do you agree? 😉

📸 EntrepreneurMindset

If you want to retire early, then you can’t follow the old rules of money.

Though placing money aside for emergencies is wise advice for any generation, it shouldn’t be the cornerstone of your retirement planning.

Before you start acquiring cash flowing assets, make sure you continue to invest in your greatest asset—your financial education. ~ Robert Kiyosaki

Millennial Money: Saving vs Investing Today, if you’re a woman whose primary retirement strategy has been to tuck your money away into a savings account, I encourage you to start thinking differently.

Teach your kids about money early, because it’s the greatest favor in their lives. ~ Kevin O’ Leary

Millionaire Kevin O'Leary: Teach Your Kids About Money Early Because It's ‘The Greatest Favor In Their Lives’ Like many other millionaires and billionaires, Kevin O’Leary believes that we should teach our children about money as soon as possible. Children should be taught about money at an early age Source: CNBC Investor Kevin O’Leary will definitely express that it’s never too soon to begin teaching ...

One of the greatest thing in the world is to share what you know to others.

The question is: Are you willing to receive it?

ANG PILOSOPIYA NI ROBERT KIYOSAKI

Ang problema sa education ay ang kanyang concept sa literacy. Nakasentro lamang sa tatlong ito:
✅ Professionalism
✅ Academic Excellence &
✅ Career.
Ang resulta, years and years of education, professional literate but not financial literate.

Ang sabi ni Robert Kiyosaki, "I am not against education, in fact, I highly advocate it. We only have to put its system in the right perspective.

The main reason why people struggle financially is because they have spent years in school but learned nothing about money.

The result is that people learn to work for money but never learn to have money work for them."

***Credit to Sir Arniel Aquino
***PhotoNotMine

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Bukod sa Unlimited FREE medical consultation, if you are not feeling good? Come over to Kaiser Medical Center and avail the discounted medical services exclusively offered to Members!
Remember that good health is an important investment so ensure now that your health is at its peak!

Bring your family members to their annual medical examinations or consultations to monitor their health and fitness. Maximize the DISCOUNTED PRICE in medical services offered by Kaiser Medical Center especially for your immediate family members!

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Story time!

Sa mga propesyonal, para sa akin, parang given na na marunong or may access sa investing platform (though yung iba wala din talaga idea). Vission ni IMG (International Marketing Group) na pati yung mga nasa laylayan ng lipunan ay magkaroon ng kaalaman at access about investing o pagpapalago ng pera. Kasi when a person know how money works, money will never get tired of working for them in the future, money works 24/7, hindi din nagkakasakit at kahit nga holiday nag iinterest yan tuloy tuloy lang, and that is why financial education is very important at sa mas pina simpleng paraan ng pagtuturo.

****
Layunin ko na maibahagi sa inyo ang mga kwento sa tunay na buhay ng mga taong dumaan sa bagyo ng buhay, nagsumikap, nagpursige, bumangon....kinakaya, kasama na doon ang kwento ko.

Mangyari kasi ang lagi na lng nating dahilan ay marami pang gastusin at wala pa talagang extra money, maraming kadahilanan.

Here is another kwento ng isang labandera na lumapit kay Sir Kiko.

Sa Pagiinvest Hindi Dahilan Ang Maliit Ang Kita
Kung Ang Isang Labandera Nga Nakaya, Ikaw Pa?

Ang kwento ni Ate Jessica:

(mahaba ito pero sure maiinspire kayo dito)

Lunes noon, pagkatapos ng aming panaghalian may biglang kumatok sa aming opisina, agad kong pinagbuksan,
(Isang babaeng hiyang hiya)

🙎🏽‍♀️"Ako po si Jessica, Dito po ba ang IMG ?"
👨‍💼Ako naman: "Opo dito po, Bakit po ?"
🙎🏽‍♀️Jessica: Ay sa wakas tama ako, Noong January ko pa po ito hinahanap, Nanonood po kasi ako tuwing Sabado ng Kape at Salita sa DZMM Teleradyo, maganda po yun tinuturo nila paano makaipon ng tama,.
Tumawag po ako sa binigay nilang numero sa screen, tinanong ko po kung saan po ang malapit na IMG sa San Mateo, sabi po nila meron nga po dito.

👨‍💼Ako: Ay sige po, umupo lang po kayo, sakto po may Financial Literacy Seminar po kami ng alas dos, pwede po kayong umattend.
🙎🏽‍♀️Ate Jessica: Kailangan pa po ba umattend ako, may bayad po ba? Labandera lang po ako.
👨‍💼Sagot ko naman, ang opis po namin ay para sa lahat, ano man ang estado sa buhay, Kaya nakumbinsi ko siyang maupo at makinig,
(Habang nagseseminar kami, kasama niyang isang OFW na attendee)

Sobrang excited siya, grabe ang kanyang halakhak sa mga jokes ko at ang pinakanagulat ako sabi niya, Iyan po ang laging sinasabi ni Sir Joen ( sa isip ko lang, Wow ha! close kayo ng President ng IMG 😀) as in kilala niya ang Big 3 sila yung mga host at founder ng IMG,

After ng Seminar:
👨‍💼Ako: Ano po ang plano ninyo? (Sa isip ko at nagtatalo ang doubt, guilt and the question "May pang invest ba ito?")
(Mas lalo ako naguilty at feeling ko talaga ang sama ko naman to judge her nang magkwento siya 😭)

🙎🏽‍♀️ "Ang kita ko po sa bawat laba ay P500, sa plantsa 500 pag konti lang ang lalaban at plantsahin, P250, sa isang linggo may 2 to 3 beses akong regular costumers.
Biyuda na po ako at yun anak ko may asawa na kaya magisa lang ako sa bahay, namatay ang asawa ko 5 years ago at yun isang anak ko naman namatay sa aksidente last year."

🙎🏽‍♀️ Gustung gusto ko po yan talaga dahil matagal ko na yan hinahanap, at kailangan ko po talaga yan kasi po hindi po habang buhay kaya ko maglaba kaso wala po akong dalang pera ngayon at wala po akong pera at hindi ko dala ang aking salamin para makafill-up ng form.
Sabi niya babalik po ako sa Thursday para magumpisa.

At nagulat nga kami, Huwebes, nagumpisa na siyang magivest at ang nakakatuwa kasama pa niya ang anak niya na tinuruan niya rin na dapat makaipon para sa kanilang kinabukasan.

Ilan kaya ang tulad ni Ate Jessica, na sa maliit na kita ay naniniwala na may pag asa, ilan kaya ang tulad niya na kahit sa maliit na paraan sa pagsubaybay sa programa sa tv ay nais madagdagan ang kaalaman at ilan ang tulad niya na porsigidong isabuhay at gawin ang kaniyang mga natutunan.

Magkano kaya ang income mo? Tulad din ba ng sa isang labandera? Kung nakaya niya? ikaw pa kaya?

Simulan mo na habang maaga,
Kung kaya mong magtabi ng bente o di kaya P33 pesos sa isang araw o isang libo sa isang buwan Siguradong kayang kaya mo ito.
Nakahanda kami para tumulong sayo para planuhin at tuparin ang pangarap mo.

Message me: https://m.me/JorinaBanesPage

********

MANOOD ng Your Money Matters sa Youtube.
Para matuto magpalago ng pera.

https://www.youtube.com/watch?v=5P4VYQPKSbw

Pwede kitang matulungan paano makapagsimula.

Message ka lang o mag register para makaattend ng libreng Financial Literacy Seminar sa ibat ibang lugar sa Pilipinas or one on one via zoom!

*********
Watch Financial Planning Guide: -https://183036ph.imgcorp.com/orientation/

Get your Free Investment 101 e-book - http://bit.ly/e-bookforfree

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