Neat and Grit

PENSYONADO OR TENSYONADO?

You choose!

Many of us are not really realizing the importance of preparing for retirement. According to an article published by Manila Times in 2019, Filipino investors only have an average personal income equivalent of 3.6 months which is set aside for retirement. This means that a typical Filipino retiree is struggling to have ends meet daily. This is the WORST in Asia! Taiwan leads the survey with personal income equivalent of 4.5 years while the average for the whole Asia is 2.9 years. The difference is very huge.

Moreover, according to the survey, a staggering 84% of Filipinos are looking into continuing working after retirement. This is the sad reality of retirement here in the Philippines.

Ask yourself. Observe and ask the elderly you know who has just retired.

We can confidently say that majority of retirees are in regret because they have not planned or even thought of their retirement.

Can you imagine yourself still working past 60 years old? IF NOT, now is the time to start thinking and planning about your retirement

Source: https://www.manilatimes.net/2019/04/06/business/business-top/filipinos-have-lowest-retirement-savings-poll/536213/

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Are you trading in the financial markets? Or just keeping track of your finances?

No matter what you are doing right now, there are things you can do as we end the week!

1. Worry NOT
2. Be grateful
3. Be hopeful
4. Be passionate about the things you do and you love

80% of all the things that happen around us is probably beyond our control. The only thing that is under our control is THE WAY WE RESPOND.

Have a worry-free weekend!

Who are we? What is Neat and Grit?

Are you having difficulties understanding financial planning and investments? Are you deciding to bring your financial management to the next level? Are you having hard time to budget your income?

We invite you to sit with us and have and discuss how we can create a financial plan for you!

🔓Know what is financial planning
🔓Have your cashflow health assessed
🔓Know your risk profile as investor
🔓Educate yourself about different kinds of investments
🔓Plan how to protect your health and your income from uncertainties
🔓Discover easy ways of budgeting

AND MORE!

Signup here:
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WHAT IS YOUR FINANCIAL SUCCESS?

We often hear many words related to this like financial independence, financial freedom, and many more!

We often define financial success as being able to retire at age 45, being able to have a life free of any financial stress. Whatever you definition or picture of financial success is, have asked WHY you define it as such? Most of the time, we are just seeing the PERIPHERALS or surface of our true reasons. This is just the TIP OF THE ICEBERG and we need to see the base of the iceberg.

Why? Because the real reason or our real definition of financial success will be the one to propel us towards achieving the surface reasons/picture. Oftentimes, when we are motivated by our real reasons or WHYs, the tip of the iceberg comes is easily achievable and manifested.

Let us introduce a simple exercise to determine what your picture of financial success really looks like:

1. Define a picture of financial success (i.e. getting to retire at age 45)
2. Ask yourself why you want it
3. Write down your answer from #3.
4. Repeat the steps 1-3 until you can no longer define an answer.

It can go like this:

My picture of financial success: retirement at age 45 >>

Why?

Because I want to travel the world>>

Why?

Because I want to reach places my parents did not reach>>

Why?

Because I want to honor their sacrifices for me>>

Why?

[Keep on asking and answering until you can not answer the "Why"]

Your last answer is your real picture of financial success.

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Send us a private message to know more or signup here to get your personalized plan:
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Apply for the health+investment bundle here:
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Neat and Grit updated their business hours.

IS YOUR FAMILY IN A VERY BAD FINANCIAL CYCLE?

Yes, many of us are. Maybe you are struggling to have ends meet, cannot even save because of may obligations, or just in a very bad cycle of living from paycheck to paycheck.

All of these may come from different factors like of lack of opportunities for cash generation, lack of knowledge, lack of discipline. Whatever the reasons are, we can start with something we can see and manipulate: Your Own Money Blueprint.

Your money blueprint describes your perspective about money and money management and this is the product of your upbringing, influences of people around you and your developed habits of money management through time. Determining your blueprint will help you understand why you spend the way you spend, save the way you save, invest the way you invest, and more.

When we want to break the cycle of bad family financial management, we may be dealing with the things which we cannot BUT we can discover our blueprint, understand it, and revise it. We can break the cycle gradually by dealing with the things we can control -- YOUR OWN CYCLE!

Get a FREE e-book to discover your own money blueprint by sending us your email address!

Need a personal financial consultation:
https://bit.ly/NGSolutionsCoaching

It's now easier to get a quote from Neat and Grit.

Get yourself also covered with HEALTH PROTECTION!

At Php 1,600 per month (at age 18 to 30) you can get the following:

🔓Php 150,000 coverage PER ILLNESS per year
🔓Direct access to more than 600 PhilCare accredited Clinics
🔓Access to The Medical City Satellite Clinics
🔓Access to more than 500 HOSPITALS nationwide including Asian Hospital, Makati Medical Center, St. Luke's Global, and St. Luke's Quezon City
🔓Speech Therapy for Php 10,000 per year
🔓Passive and active vaccines for tetanus and animal bites
🔓80% coverage on emergency care (hospital and professional fees) within Philippines and abroad!
🔓Travel assist program
🔓Annual Physical Exam
🔓Life Insurance Coverage of Php 100,000
🔓Accidental Death and Dismemberment of Php 100,000

We at Neat and Grit wants to provide you with a holistic service of financial planning, insurance planning, investment management, and HMO services.

Send us a private message to know more or signup here to get your personalized HMO:
bit.ly/NGSolutionsHMO

"Aion Bank, a full-service digital bank, today announced the acquisition of ETFmatic. ETFmatic works with some of the best exchange-traded funds (ETFs) in the world to offer a transparent end-to-end service to investors. ETFmatic’s proprietary investment platform and management team will be integrated into Aion’s operations, effective immediately. The deal received approval by the UK’s Financial Conduct Authority (FCA)."

Just like the extinction of dinosaurs, traditional managed pooled funds will also be extinct in a not so distant future and Exchange Traded Funds or ETFs will be prominent among savvy investors.

Do you want your investments to keep up? Knowing makes a huge difference.

Know the latest technologies in Financial sector here:
https://bit.ly/NGSolutionsCoW

Source: https://www.fintechnews.org/warburg-pincus-backed-aion-bank-acquires-etfmatic/

DO YOU INVEST AND TRADE IN THE PHILIPPINE STOCK MARKET ALONE?

We have a good news and a bad news for you!

GOOD NEWS. There's much more growth and opportunities in the global market. The US tech stock index NASDAQ100 has grown almost 200% from 2017 while the Philippine Stock Exchange index is still moving sideways relative to NASDAQ100.

BAD NEWS. If you are only mirroring the performance of the Philippine index fund, probably you are struggling to see real significant growth in your capital.

Learn the global financial markets by registering here:
https://bit.ly/NGSolutionsCoW

Are you good in saving money?

Let us tell you something. SAVING IS DIFFERENT FROM GROWING YOUR MONEY. When we save money in banks, we just "park" a certain amount we need. Our money depreciates by about almost 4% yearly when just parked in our savings accounts.

The value of your Php 100,000 next year will only be Php 96,000 when parked in a savings account. Imagine it's value after 5 years!

This is the reason why we often cannot keep up with the rising prices of basic good and services. Because we "just" save money!

Most of us are taught to just save money and are not taught how to grow it properly.

So dear saver, you should be an investor. Aside from saving money, grow it!

Learn how to grow your money in the global market:
bit.ly/NGSolutionsCoW

We want to help you grow your money dear saver!

GET THE BEST OUT OF YOUR MONEY!

Request a proposal: bit.ly/NGSolutionsCoaching

Here is an informative article about how one should approach the recent dips in the global stock market. It is exactly in these trying times that we must be as rational as we can.

Happy trading!

How long does it take to recover from a bear market? How long does it take to recover from a bear market? by James Sweetnam • Friday 19 June 2020 Blog “All good things must come to an end”, “What goes up, must come down” – a bear market is the stock market’s answer to investors’ dreams of everlasting asset growth. But how long do.....

WHAT IS BTID?

BTID stands for "Buy Term Invest the Difference"

This type of investment planning involves partitioning your budget into two (2) streams: a term insurance and an investment vehicle.

This strategy is usually used by traders and aggressive investors who want to get the best out of their money.

With the new decentralized way of fund management used in copytrading, investors can get way higher returns than the traditional pooled managed funds.

Register in our free virtual consultation to find out more:
https://bit.ly/NGSolutionsCoaching

WHY IS COPYTRADING BETTER THAN TRADITIONAL POOLED FUNDS?

1. Less and less charges. Eliminate the nasty management fees, surrender charges, and sales charges.

2. Higher returns. Because of the reduced fees, returns are much much higher.

3. Diversification. Traditional mutual funds and UITFs are commonly limited to index performance. While diversification in copytrading is high because the client can choose who and what portfolio to copy.

4. Risk. While copytrading has relatively higher risk (depending on the fund manager), we can leverage on the skills of the seasoned traders around the globe.

Need financial coaching and investment planning?
https://bit.ly/NGSolutionsCoaching

Are you torn between your passion and having ends meet daily?

Well, you are not alone. MANY are struggling.

It is still our PASSION which can drive us FORWARD in life while a sole purpose of just MAKING MONEY and sometimes living beyond our means will just oftentimes tire us and will make us crazy.

May you feel empowered day by day to push yourself forward with your passion.

Discover new ways to grow your money efficiently:
https://bit.ly/NGSolutionsCoW

FINANCIAL COACHING + SKILLS IN TRADING

Do you want to be one?

Register here: bit.ly/NGFinancialAdvisors

LEARN FOREX TRADING WITH US!

Do you want to start your journey in global trading and investments? Well, we've got an invitation for you!

Signup in our FREE Forex trading crash course. More details will be discussed in Day 1.

Also...
Be part of our growing community!

Register here: bit.ly/NeatGrit

What do you think of your finances?

Do you think of it as a plant or a tree can be cultivated or just a bullet to exhaust?

Your perspective of money management determines the trajectory of your finances. If you think of it as "just a consumable", probably you will be living from paycheck to paycheck.

Instead, think of it as a plant that, when cultivated and nourished properly, can give you so much returns and bounty.

Let us help you. Message us or sign up for an investment planning consultation:

https://bit.ly/NGSolutionsCoaching

LOOKING FOR THE BEST INVESTMENT PLAN?

We'll help you create one!

Get yourself and your income protected and at the same time earning passive income from investments!

Get the best out of your money and time. From Variable Life Insurance, to HMO, to financial markets investments like global stocks, indices, ETFs, and cryptocurrencies!

Let your investment planner from Neat and Grit Financial Solutions take you to the next level of financial and investment management.

This is your one-stop shop financial consultancy, investment management and insurance planning.

Note: The returns are all projections only.

Get your FREE virtual consultation now by signing up here:
https://bit.ly/NGSolutionsCoaching

Have you failed in what you love doing? Have you risked and failed?

May it be at work, may it be in personal relationship, may it be in your passion, or may it be in your trading journey.

You are still way way ahead of those who are still in their comfort zone.

Growth can only be found with enough and relevant stretching. And stretching is only found OUTSIDE YOUR COMFORT ZONE.

Do you want something new? Start moving out of your little bubble!

Keep on running, keep on hustling. Persevere.

WHAT ARE EXCHANGE TRADED FUNDS or ETFs?

According to the forbes website (see link below), ETFs are type of security which combines the features of individual stocks and diversification mechanism of mutual funds.

An ETF can track a specific index, group of stocks, bonds, or even financial market volatilities.

In the Philippines, sadly there is only one existing ETF launched by The First Metro Investment Corporation called the FMETF. This is an index-based ETF which tracks the Philippine Stock Exchange Index (PSEi).

Globally, there are already several existing ETFs long before the Philippines launched its own ETF. See the link below to see some innovation-based ETF:

ARK ETF: https://ark-funds.com/

To learn more of this, feel free to send us a private message!

Learn how to invest in global ETFs:
https://bit.ly/NGSolutionsCoW

Looking for an investment planner? Signup here: https://bit.ly/NGSolutionsCoaching

Sources:
https://money.usnews.com
https://www.investopedia.com/
https://ark-funds.com/
https://www.forbes.com/advisor/investing/what-are-etfs/

Have you heard of DEFENSIVE FAILURE CYCLE?

Defensive failure mechanism happens when we want or plan to do a certain task or project but we end up NOT DOING it. Can you relate to this?

"I will go to gym"
"I will invest"
"I will study forex trading"
"I will eat healthy"

AND MANY MORE!

Here are the 3 reasons:
#1 DEEP INSIDE YOU, YOU REALLY THINK YOU CANNOT DO IT

Let me ask you a question? How did you discover that you love or have a talent in something? Did you search it in Google? Did you just think about it?

I think the answer is: you tried or just did it!

#2 YOU THINK TOO LOWLY OF YOURSELF

All of us have constructed image of ourselves. This may be a result of the influences of people around us, the books we read, or just our pre-conceive notion of our image.

Just think about it, how is your identity formed?

#3 SECRETLY YOU DO NOT WANT TO DO IT!

Most of the time, it is very difficult to tell the difference of the things we want to do from the things that we just think we should do.

Ask yourself,
"Why am I doing what I am doing?"
OR
"Why do I want to this?"

Watch the full version: https://www.youtube.com/watch?v=sWp87GXDvEk

Break the cycle of defensive failure!

START NOW!

Break free from the norm! Take your financial management to the next level.

HOW TO TAKE LEVERAGE FROM MODERN TECHNOLOGIES?

1. Learn Relevant Skills
-The internet is flooded with resources and information so that almost anybody can gain new skills and certifications on top of their profession.

2. Take/Create Freelance Jobs
-Creating multiple sources of income is very essential in the modern digital era.

Use your skills for freelance jobs: https://www.fiverr.com/

3. Invest Money in the Emerging Technologies
-While learning relevant skills is important, we can also grow our money alongside these industries.

Signup for a free pay-forward education on global investment: https://bit.ly/NGSolutionsCoW

Do you have brilliant idea you want to share? Feel free to leave a comment in the comment section.

Neat and Grit updated their phone number.

THE TRANSITIVE PROPERTY OF TIME, SKILLS, OPPORTUNITY, AND WEALTH

Disclaimer: This content is not intended to teach Mathematics. 😅

Not all people love mathematics (I know I know 🤣🤣). But will you keep reading until the end? Let's start! 🙃

We often hear people (or the internet) say that time is money. Let me share my insights regarding this. If I have to rephrase it, I will say or write it this way:

"Time that is well-spent and well-allocated opens opportunities for wealth."

PART ONE: WEALTH
Because money is NOT the end of all things. I prefer to call this as WEALTH since there are different forms of "profits" in life and money is only ONE OF THOSE. This can be emotional, mental, and physical well-being; comfort and peace; more talents; and lastly money.

PART TWO: WELL-SPENT
Time is not readily convertible to wealth. It is a time well-spent on VALUABLE THINGS that will matter.

Let's talk about trading in the stock or forex market here. Person A spending his or her 2 years polishing trading strategies using a virtual account may or may not be profitable as Person B who only spent 2 weeks to 1 month testing the trading strategy because he/she know that without EXPERIENCING it real-time, he or she cannot get the profit.

Get the point? The question is are you spending your time on VALUABLE THINGS?

PART THREE: WELL-ALLOCATED
Spending our time on TOO MANY value-giving things would give us a CLUTTERED LIFE. We only have 24 hours a day to spend (the great equalizer) and we have to CHOOSE on what things should we spend our time. We have to be honest, we can do MANY THINGS but we cannot do ALL THINGS. Those two are different! If there is time value of money, there is also TIME VALUE OF SKILLS 😊

PART THREE: OPPORTUNITY
Following these formula, we have to still decide to take action to reach our vision and goals. An opportunity would remain an opportunity until we step out and grab it (also the same with the example in PART TWO). Pretty quick huh?

Now, let's put this into an equation (LOL 🤣):

If TIME is allocated to valuable and appropriate endeavors (Time = Relevant and Valuable Skills)

AND

I taking an OPPORTUNITY which arises from these SKILLS will result into WEALTH (Relevant and Valuable Skills = Opportunity)

THEN

"Taking hold of an OPPORTUNITY which arises from our TIME put into relevant and valuable SKILLS would result to WEALTH."

Time = Relevant and Valuable Skills = Opportunities = Wealth

That is why time is wealth :)

What skills do you want to learn or upgrade? Is it relevant? Is your life too cluttered with many things?

Do you relate with this? Feel free to share this

AND (No no this is not a logic statement LOL 🙃 just kidding)

Hit the like button for support

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Note: Screenshot was taken with a consent of the client; investment returns are still not risk-free.

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