OFW at HOME FinLit

SAVING THE RIGHT WAY!!!
Have you ever asked yourself this question:
"I've been working hard all my life but I wasn't able to save anything. Where did my money go?"
According to Warren Buffet, one of the wealthiest man in the world:
"DON'T SAVE WHAT IS LEFT AFTER SPENDING,
SPEND WHAT IS LEFT AFTER SAVING."
Spending is a habit and so is SAVING!
Learn how to save the right way...

We are committed to educate more than 30M families by 2030.
https://188355ph.30m2030.com/share

Learn more about financial matters, have a copy of this book:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

For more information, send me a direct message or click this:
https://188355ph.imgcorp.com/

IMG Members' Frequently Asked Questions on Sun Life Mutual Funds - Morgan De Guzman

https://youtu.be/xlzujstSHhU

We came up with this video to help address the Frequently Asked Questions on Sun Life Asset Management Inc by our friends from the International Marketing Group.

This video will help both IMG and non-IMG investors in Sun Life managed mutual funds, which are probably some of the best investments one can allocate and put money on these days. We reiterate the sound practice of diversification, which means investing in fixed-income instruments, stocks, and other local and global assets in sound portfolios that will fulfill financial dreams.

Good news, IMG Campaigners! Kaiser Medical Center offers a discounted price for RT-PCR Testing exclusively for IMG Members! Instead of 4,000 pesos, you can avail RT-PCR Tests now at 3,000 pesos only!

Get tested now and make sure that you are Covid-19 free! Covid-19 RT-PCR Testing is available at Kaiser Medical Center Makati, Robinsons Manila, Robinsons Galleria, SM North EDSA, EPZA Cavite, Mactan, SM Seaside Cebu, and SM City Cebu branch.

So what are you waiting for? Visit the Kaiser Medical Center branch near you now!

Relate Much???

FAMILY TIME IS THE MOST PRECIOUS TIME!!!
Lahat ng OFW ay nangangarap makauwi sa Pilipinas... for good!
Pero hindi nila magawa kasi parang kulang at kulang pa rin ang mga efforts nila para makaipon ng sapat na halaga para sa magandang kinabukasan ng pamilya.

MGA TANONG SA ISIP NILA:
1. Hanggang kailan ba ako dapat mag-abroad?
2. Paano ko makakasama ang mga anak ko habang lumalaki sila?
3. Magkano ba ang kailangan kong maipon para makapag "for good" na ako sa Pilipinas?
4. Anu-ano ang mga pwede ko pang gawin upang mas mabilis kong maihanda ang mga kailangan para sa magandang kinabukasan ng aking pamilya?
5. Anu-ano nga ba ang dapat kong maihanda bago ako umuwi ng Pilipinas... for good?

Yes!!! May mga dapat ma-prepare habang kumikita pa, lalo na ang mga OFW, para hindi masayang ang mga pinaghihirapan sa ibang bansa. Anu-ano kaya ang mga ito? Gusto mo bang malaman?

We are committed to educate more than 30M Filipino families by 2030.
https://188355ph.30m2030.com/share

Learn more about financial matters, have a copy of this book:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

For more information, send me a direct message or click this:
https://188355ph.imgcorp.com/

It is not enough to SAVE MONEY,
we need to know how to GROW MONEY!

Financial concepts and solutions may not be the most exciting subjects to learn about. But with discipline and patience, you can understand the fundamentals and appreciate their importance. Knowing the basic financial concepts is the beginning of building a solid financial foundation.

Financial independence is not only a dream. It is a priority that every person should aim for. Take control of your future by learning how to: MAKE MONEY, SAVE MONEY, GROW MONEY, PROTECT MONEY. No one else will do these for you.

We are committed to educate more than 30M families by 2030.
https://188355ph.30m2030.com/share

Learn more about financial matters, have a copy of this book:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

For more information, send me a direct message or click this:
https://188355ph.imgcorp.com/

Relate Much???
Hanggang kelan mo gustong ganyan ang kalagayan mo?
Kontento ka na ba sa ganyang sitwasyon? Forever?
Kung iniisip mong WALA KA NANG MAGAGAWA,
Eto naman ang sagot, MERON, MERON, MERON!!!
Be Financially Literate... Be Financially Educated...
Develop the right mindset to achieve your financial goals!
One thing common among highly successful people all over the world is the WAY THEY THINK.
Here are few tips to help you get started:
1. Increase your Cash Flow
- Make as much money as you can, while you can. Have multiple sources of income
2. Spend Less
- Reduce your expenses. Remember, it’s not how much you earn that counts, it’s how much you keep. Set aside 20% of your income to save and invest.
3. Zero Out Bad debts
- Interests on debts are like leaks that drain your finances.
4. Understand How Money Works
- Read books on money. Attend seminars on money. Seek mentors. Learn how to make money and how money can work for you.
5. Define your financial goals.
- Write them down. Read your goals everyday. Set strategies on how to make your goals work.

We are committed to educate more than 30M families by 2030.
https://188355ph.30m2030.com/share

Learn more about financial matters, have a copy of this book:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

For more information, send me a direct message or click this:
https://188355ph.imgcorp.com/

TAKE ACTION: SECURE YOUR FUTURE NOW!
You will always have an excuse not to save and invest.
No matter what your excuse is:
* You’re going to get old next year.
* Your child will grow and enter college
* You will eventually retire and stop making active income
You have to be prepared for these kinds of situations. Be with a group who inspires you. When the members of your group save, they will also inspire you to save.
IMG’s mission is to convert people from being spenders to savers and teach them how to save the right way.
Remember the 2 sets of important questions you need to ask yourself:
1. What if you die too soon? Who will take care of your family?
2. What if you live too long? Who will take care of you?
Remember the solutions:
1. If you die too soon, Life Insurance will take care of your family.
2. If you live too long, Investment and Long-term Healthcare will take care of you.
In other words, be financially educated. Make sure you have knowledge and understanding of basic and important financial concepts. Make sure to act on your financial needs and make the right choices. You must have Healthcare, Income Protection/Life Insurance, Savings and Investments.

Learn from the powerful eBook:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

Be Financially Educated
https://188355PH.30m2030.com/share

For more information and details:
https://188355ph.imgcorp.com/

BAGONG BAYANI, ANO ANG EXIT PLAN MO?
Being an OFW is not a lifetime opportunity, BE PREPARED!
ARE YOU PREPARED? DO YOU KNOW WHAT TO PREPARE?
Many people believe that financial education is only for the wealthy.
Many think that the only solution to financial challenges is to borrow money.
Some say that because they are poor, they don’t need to save.
Many Overseas Filipino Workers (OFW) worked hard for years and still end up retiring poor. OFWs are heroes who sacrifice a lot just to be able to send money and gifts to their families back home. In many cases, the families take for granted just how hard it is for an OFW to earn the money they remit. The families do not know that many OFWs send balikbayan boxes filled with brand-new clothes and shoes that they themselves do not have.
You also hear stories of OFWs investing in businesses for their families in the Philippines to manage. For example, providing money to set up a transportation business, like a car or a jeepney. When it is time to replace the tires of the vehicle, the business cannot pay for it. The family instead, depends on the OFW to pay for the tires. “Sa kanya na ang kapital, sa kanya pa rin ang gastos.”
So it is a reality that many OFWs who work for 20 to 30 years still end up retiring poor.

Learn from the powerful eBook:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

Be Financially Educated
https://188355PH.30m2030.com/share

For more information and details:
https://188355ph.imgcorp.com/

SAVING THE RIGHT WAY
Some people have this problem:
“I’ve been working so hard all my life, but I wasn’t able to save anything. Where did my money go?”
Warren Buffet, one of the wealthiest men in the world, gives this advice:
“Don’t SAVE what is left after SPENDING,
SPEND what is left after SAVING.”
Before you spend, you need to save first!
100% Income - 10% Tithes - 20% Savings = 70% Expenses
TITHE - The money you give to the church or an organization that nurtures your spiritual growth. As a guide, the amount of tithe is 10% of your income. Of course, you can also adjust the percentage depending on your preference and capacity.
SAVINGS - Set aside 20% of your income to save for your future. If possible save 20% or more. Treat it like a bill that you must pay, and pay it first. That’s your Financial Future Bill.
SPENDING is a habit and so is SAVING.
TIME IS MONEY. The sooner you save, the better your future.
Money Talks:
"If you save me TODAY, I'll save you TOMORROW.”

Learn from the powerful eBook:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

Be Financially Educated
https://188355PH.30m2030.com/share

For more information and details:
https://188355ph.imgcorp.com/

MONEY TALKS: STRATEGIES OF THE WEALTHY
Most people spend money and save what is left.
Wealthy people save money and spend what is left.

Download this FREE EBOOK:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

Join our financial campaign to educate 30M Filipinos by 2030:
https://188355ph.30m2030.com/share

For more information, just send me a private message,
Or click this link 👇👇👇
https://188355ph.imgcorp.com/

All of us are preparing for our family's future, that's why we are working so hard, we are doing everything for our family.
Learn how to prepare for our family's future... not just for today... not just for weekends... but for our succeeding generations.

Download this FREE EBOOK:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

Join our financial campaign to educate 30M Filipinos by 2030:
https://188355ph.30m2030.com/share

For more information, just send me a private message,
Or click this link 👇👇👇
https://188355ph.imgcorp.com/

EMERGENCY FUNDS…
Gaano nga ba ito kahalaga in times of uncertainties?
Magkano nga ba ang kailangan kong ihanda?
Paano ko ba ito gagawin?
Saan ko ba ito pwedeng ilagay o ipunin?
No matter how much you plan in life, the unexpected things still happen.
To prepare for life’s little “disasters”, set up an EMERGENCY FUNDS to help pay the unforeseen expenses.
You think you don’t need an EMERGENCY FUNDS? Consider these potential expenses and scenarios.
1. Major Car Repairs
2. Major Home Repairs
3. Major Appliances Repairs or Replacements
4. Loss of Job
5. Serious Illness or Hospitalizations
6. Extended Care for Elderly Loved Ones or Long-term Care
Having an extra source of funds can give your family peace of mind during a stressful time.
A basic rule of thumb for determining how much you should set aside is 3 to 6 months of your total expenses.
Step 1 - Start by saving P1,000 a month
Step 2 - Increase to 3X monthly income
Step 3 - Increase to 6X monthly income
Where will you put your EMERGENCY FUNDS?
Here are some of your good options:
1. Low Risk Bond / Mutual Funds
2. Money Market Funds
3. Separate Bank Account without Debit Card or Online Access

Learn more about financial matters, have a copy of this book:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

Financial Literacy Campaign: 30M Filipinos by 2030:
https://188355ph.30m2030.com/sharelist

For more information, send me a direct message or click this:
https://188355ph.imgcorp.com/

Want to learn more?
PM me for FREE coaching

We are committed to educate more than 30M families by 2030.
https://188355ph.30m2030.com/share

Learn more about financial matters, have a copy of this book:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

For more information, send me a direct message or click this:
https://188355ph.imgcorp.com/

INVESTMENT OPTIONS
Of this 20%, how many have retirement funds in the Mutual Funds, Stock Market and Long Term Care?
If you want 1 Million retirement fund in 20 years, here are your options:
1. Save 5000/month for 20 years in a Bank Deposit (value 1.2M)
2. Save 2000/month at 12% interest rate for 15 years in the stock market (projected value P1,009,152.00)
3. Save P5,882/month in Long Term Care product for 7 years ONLY (P1,166,168.00)

Want to learn more? PM me for FREE coaching

We are committed to educate more than 30M families by 2030.
https://188355ph.30m2030.com/share

Learn more about financial matters, have a copy of this book:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

For more information, send me a direct message or click this:
https://188355ph.imgcorp.com/

ctto

We are committed to educate more than 30M families by 2030.
https://188355ph.30m2030.com/share

Learn more about financial matters, have a copy of this book:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

For more information, send me a direct message or click this:
https://188355ph.imgcorp.com/

It is not enough to SAVE MONEY,
we need to know how to GROW MONEY!

Financial concepts and solutions may not be the most exciting subjects to learn about. But with discipline and patience, you can understand the fundamentals and appreciate their importance. Knowing the basic financial concepts is the beginning of building a solid financial foundation.

Financial independence is not only a dream. It is a priority that every person should aim for. Take control of your future by learning how to: MAKE MONEY, SAVE MONEY, GROW MONEY, PROTECT MONEY. No one else will do these for you.

We are committed to educate more than 30M families by 2030.
https://188355ph.30m2030.com/share

Learn more about financial matters, have a copy of this book:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

For more information, send me a direct message or click this:
https://188355ph.imgcorp.com/

Gusto mo bang matuto paano mag invest sa mga malalaking companies sa pilipinas?
Pwede ka na maging SHAREHOLDER at PART OWNER!
SAFE, LEGIT & SECURED.
Kahit sino ay pwede maka access.

We suggest to invest INDIRECTLY sa stock market thru Mutual Funds for as low as 1,000 pesos only.

Benefits of Investing in Mutual Funds:
1. It is professionally managed.
2. It is very liquid.
3. It is diversified.
4. It has a low minimum investment requirement.
5. It’s very transparent.
6. It has strong track records.
7. It is safe and secure.
8. Zero load fees
9. The gains are tax-exempt.

We are committed to educate more than 30M families by 2030.
https://188355ph.30m2030.com/share

Learn more about financial matters, have a copy of this book:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

For more information, send me a direct message or click this:
https://188355ph.imgcorp.com/

We are committed to educate more than 30M families by 2030.
https://188355ph.30m2030.com/share

Learn more about financial matters, have a copy of this book:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

For more information, send me a direct message or click this:
https://188355ph.imgcorp.com/

TAKE ACTION NOW!!!

SECURE YOUR FUTURE NOW!!!

👉 Be Financially Educated 👈

We are committed to educate more than 30M families by 2030.
https://188355ph.30m2030.com/share

Learn more about financial matters, have a copy of this book:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

For more information, send me a direct message or click this:
https://188355ph.imgcorp.com/

All of us are preparing for our family's future, that's why we are working so hard, we are doing everything for our family.

Learn how to prepare for our family's future... not just for today... not just for weekends... but for our succeeding generations.

Download this FREE EBOOK:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

Join our financial campaign to educate 30M Filipinos by 2030:
https://188355ph.30m2030.com/share

For more information, just send me a private message,
Or click this link 👇👇👇
https://188355ph.imgcorp.com/

Are you preparing your own RETIREMENT FUND?

Our children are not our retirement fund, especially when they have their own families. We should prepare our own retirement fund.

We want to have good healthcare and save for our retirement, but many of us do not have a plan. We don’t even know how we will do that. We lack financial FINANCIAL EDUCATION!

This book, The Secret to Saving and Building our Future, 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 financially independent. This book is dedicated to every person who wants to take charge of his or her future.

By becoming your own money manager, you’ll discover that it’s doable to understand, plan, and build a financial foundation for your family.

You can do it! You can control your future!

We are committed to educate more than 30M families by 2030.
https://188355ph.30m2030.com/share

Learn more about financial matters, have a copy of this book:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

For more information, send me a direct message or click this:
https://188355ph.imgcorp.com/

EMERGENCY FUNDS…
Gaano nga ba ito kahalaga in times of uncertainties?
Magkano nga ba ang kailangan kong ihanda?
Paano ko ba ito gagawin?
Saan ko ba ito pwedeng ilagay o ipunin?

No matter how much you plan in life, unexpected things still happen.

To prepare for life’s little “disasters”, set up an EMERGENCY FUNDS to help pay the unforeseen expenses.

You think you don’t need an EMERGENCY FUNDS?
Consider these potential expenses and scenarios.
1. Major Car Repairs
2. Major Home Repairs
3. Major Appliances Repairs or Replacements
4. Loss of Job
5. Serious Illness or Hospitalizations
6. Extended Care for Elderly Loved Ones or Long-term Care

Having an extra source of funds can give your family peace of mind during a stressful time.

A basic rule of thumb for determining how much you should set aside is 3 to 6 months of your total expenses.
Step 1 - Start by saving P1,000 a month
Step 2 - Increase to 3X monthly income
Step 3 - Increase to 6X monthly income

Where will you put your EMERGENCY FUNDS?
Here are some of your good options:
1. Low Risk Bond / Mutual Funds
2. Money Market Funds
3. Separate Bank Account without Debit Card or Online Access

Learn more about financial matters, have a copy of this book:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

Financial Literacy Campaign: 30M Filipinos by 2030:
https://188355ph.30m2030.com/share

For more information, send me a direct message or click this:
https://188355ph.imgcorp.com/

SAVING THE RIGHT WAY

Some people have this problem:
“I’ve been working so hard all my life, but I wasn’t able to save anything. Where did my money go?”

Warren Buffet, one of the wealthiest men in the world, gives this advice:
“Don’t SAVE what is left after SPENDING,
SPEND what is left after SAVING.”

Before you spend, you need to save first!

100% Income - 10% Tithes - 20% Savings = 70% Expenses

TITHE - The money you give to the church or an organization that nurtures your spiritual growth. As a guide, the amount of tithe is 10% of your income. Of course, you can also adjust the percentage depending on your preference and capacity.

SAVINGS - Set aside 20% of your income to save for your future. If possible save 20% or more. Treat it like a bill that you must pay, and pay it first. That’s your Financial Future Bill.

SPENDING is a habit and so is SAVING.

TIME IS MONEY. The sooner you save, the better your future.

Money Talks:
"If you save me TODAY, I'll save you TOMORROW.”

Learn from the powerful eBook:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

Be Financially Educated
https://188355PH.30m2030.com/share

For more information and details:
https://188355ph.imgcorp.com/

BAGONG BAYANI, ANO ANG EXIT PLAN MO?

Being an OFW is not a lifetime opportunity, BE PREPARED!
ARE YOU PREPARED? DO YOU KNOW WHAT TO PREPARE?

Many people believe that financial education is only for the wealthy.

Many think that the only solution to financial challenges is to borrow money.

Some say that because they are poor, they don’t need to save.

Many Overseas Filipino Workers (OFW) worked hard for years and still end up retiring poor. OFWs are heroes who sacrifice a lot just to be able to send money and gifts to their families back home. In many cases, the families take for granted just how hard it is for an OFW to earn the money they remit. The families do not know that many OFWs send balikbayan boxes filled with brand-new clothes and shoes that they themselves do not have.

You also hear stories of OFWs investing in businesses for their families in the Philippines to manage. For example, providing money to set up a transportation business, like a car or a jeepney. When it is time to replace the tires of the vehicle, the business cannot pay for it. The family instead, depends on the OFW to pay for the tires. “Sa kanya na ang kapital, sa kanya pa rin ang gastos.”

So it is a reality that many OFWs who work for 20 to 30 years still end up retiring poor.

Learn from the powerful eBook:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

Be Financially Educated
https://188355PH.30m2030.com/share

For more information and details:
https://188355ph.imgcorp.com/

Why own LONG-TERM HEALTHCARE?

Long-term healthcare is a 3in1 saving program with insurance and investment. It is a complete financial plan for the 3 major financial needs.

Remember the 2 sets of important questions you need to ask yourself:
1. What if you die too soon? Who will take care of your family?
2. What if you live too long? Who will take care of you?

Remember the solutions:
1. If you die too soon, Life Insurance will take care of your family.
2. If you live too long, Investment and Long-term Healthcare will take care of you.

INCOME PROTECTION OR LIFE INSURANCE
Protection that can help you, help finance your children’s education, pay estate taxes, pay debts, etc. instantly.

INVESTMENT
Generate continuous income for you when you retire (letting money work for you).

HEALTHCARE
Provide your healthcare when you retire or when you stop working (will take care of you when you get old). How comfortable is your healthcare situation after age 60, depends on a decision you make today.

You can not bring with you the healthcare benefits provided by your company when you retire.
Most sickness appears when you retire.
Healthcare is very expensive at old age.

In other words, be financially educated. Make sure you have knowledge and understanding of basic and important financial concepts. Make sure to act on your financial needs and make the right choices. You must have Healthcare, Income Protection/Life Insurance, Savings and Investments.

Learn from the powerful eBook:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

Be Financially Educated
https://188355PH.30m2030.com/share

For more information and details:
https://188355ph.imgcorp.com/

Our Mission

Our journey as financial educators started when we realized the importance of having the right financial products and solutions that we can apply in our own lives. We also found out that our families and friends needed to know the same information. With proper knowledge everyone can make the right decisions, take actions, and achieve the desired results.

The secrets we learned in creating wealth for our families, we also shared to our friends. Eventually, we realized that everyone needed to know about how to save the right way.

Our goal is to make financial education available to everyone, regardless of status and professional background. In this book, we will share with you a financial strategy that is simple, clear, doable, and easy to understand.

We want the book’s message to enable and inspire all Filipinos to become wealthy. We want to make sure that NO FAMILY IS LEFT BEHIND when it comes to saving their future through financial education.

Learn from the powerful eBook:
https://188355ph.imgcorp.com/free-ssbyf-ebook/?nocache=1

Be Financially Educated
https://188355PH.30m2030.com/share

For more information and details:
https://188355ph.imgcorp.com/