FREE FINANCIAL EDUCATION

“MOST PEOPLE DON’T PLAN TO FAIL, THEY JUST FAIL TO PLAN”

INTERNATIONAL MARKETING GROUP

THE RAT RACE CYCLEWHY MOST PEOPLE STRUGGLE FINANCIALLY

YOUR HARD EARNED MONEY

I N C O M E

W O R K

YOU WORK SO HARD FOR THE MONEY

B I L L S

YOUR RESPONSIBILITIESL I F E S T Y L E

IMMEDIATE GRATIFICATIONEvery peso you spend it goes to somebody else pocket! This is where

Most people have lost their hard earned money

N O S A V I N G S

Living Beyond IncomeSpend Everything You Earned

D E B T / L O A N S

Housing Loan * Car LoanCredit Card * Salary Loan

Appliances Loans, etc.THE RAT RACE

Enjoy NowRegret Later

SENIOR CITIZEN SURVEY• 2% FINANCIALLY INDEPENDENT• 30% CHILDREN AND RELATIVES• 20% SSS AND GSIS PENSION• 8% CHARITY• 40% STILL WORKS

No Savings

Big Savings

Less RESP.

Big RESP.

INCOME

FoodShelter-Housing Loan or RentClothingEducationHealthDebt/Loan

What If you Die Too Soon?

FoodShelterClothingHealthDebt Free

What If you Live Too Long?

You work hard for Money Money working for You

LOI - Living On Interest

Taking care of your FAMILY Taking care of your FUTURE

PROTECTION INVESTMENTS & LTC

HEALTHCARE

EMERGENCYFUNDS

AGE Line

YOUNGER OLDER

- Temporary

THE RULE OF 72

72 ÷ 4 = 18

72 ÷ 8 = 9

72 ÷ 12 = 6Money doubles every 18 years Money doubles every 9 years Money doubles every 6 years

Age 4% Age 8% Age 12%

29

6547

29 29

4747

65

65

38

565359

3541

Php 100,000Php 200,000Php 400,000Php 800,000

Php 1,600,000Php 3,200,000Php 6,400,000

Php 100,000Php 200,000Php 400,000Php 800,000

Php 1,600,000

Php 100,000Php 200,000Php 400,000

4X

16X

Dividing the number 72 by the interest rate of your savings or investmentswill give the estimated number of years it will take for your money to double

Simple lang pala ang magpalago ng pera!!!

BUILDING A SOLID FINANCIAL FOUNDATION Like building a house, you must build it from the

ground up.

HEALTHCARE SHORT TERM & LONG TERM CARE

PROTECTIONLIFE INSURANCE

ELIMINATE DEBTS

EMERGENCY FUNDS

INVESTMENTS

INCREASE CASHFLOW

BUILD IT RIGHT, BUILD IT STRONG.

1. Earn additional income 2. Manage expenses

What is your SAVING Formula?INCOME- EXPENSES= SAVINGS

100% - 110% = - 10%

PROSPERITY FORMULAINCOME- TITHES = EXPENSES

100%- 10% = 70%- SAVINGS

POVERTY IS NOT LACK OF MONEY; POVERTY IS MISMANAGED MONEY

- 20%

PAY YOURSELF FIRST!!!

It is not what you earn, it’s what you keep.

The Four Obstacles to Building Wealth

1. PROCRASTINATION2. Spending Habits

3. Inflation4. Taxation