Financial Coach, Rannie Tumaneng

Oo nga noh?😁😁😁

While looking at these bills, I realized that maybe the person/s on the money has its own purpose.🤔🤔🤔

I think, the reason kung bakit isa lang ang tao sa 20, 50, and 100 ay para e-remind tayo na kapag sila palang ang laging laman ng wallet mo, you are not ready yet for a relationship.😳

Dalawang tao naman for 500 to inform us na kapag si 500 na ang laging laman ng wallet mo, pwede ka na magjowa🤣.

Lastly, 3 persons naman for 1K to tell us na kapag sya na ang laging laman ng wallet mo, you can afford na magka pamilya🤣.

Alam na this. KAYO ALIN JAN LAGING LAMAN NG WALLET NIYO?🤭🤣

credit to the owner 😅

Earning 20k a month with 4k savings is better than earning 200k a month with 0 savings and/or plus loans.

"It's not only how much you save - but also your spending habits that matters."

For the OFWs, there is life after overseas...
For all the employed, there is retirement life after corporate life...
For all in business, there is life beyond your business...

Build A Life...
Build Dreams (not Debts).
Build Retirement (not Regrets).
Build A Future (not Failures).

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THE 100-10-20-70 RULE
100% – You have to earn your 100 percent. This is the net income from your business or take home pay from your salary.

10% – You give back to the ultimate provider 10 percent of what have worked for. You tithe. Now this is not set in stone. You may or may not follow this. You can give less or you can give more. The practice of tithing is totally up to you. More on this later.

20% – Invest 20 percent of your income to investment facilities which will give you 8-12% returns.

70% – Live on 70 percent. After earning your 100 percent, giving back your 10 percent, and investing your 20 percent, you have to learn to live on the 70 percent left.

So, why not try following the Abundance Formula?

There will always be a trade-off to give up what is good, to achieve the best. All it takes is a little discipline and a lot of prayers. We can not change overnight but we can do it every single day, little by little.

“We are what we repeatedly do. Excellence, then, is not an act, but a habit.” - Aristotle

Honor the Lord with your wealth, with the firstfruits of all your crops. Proverbs 3:9, NIV

Dr. Jose Enrique “Joen” R. De Las Peñas is a Certified Financial Educator (CFEd) in the USA, a Registered Financial Planner, and the President and Chairman of the Board of International Marketing Group (IMG) Insurance Brokers Corp., a Philippine corporation offering financial services and products through international partner providers. Joen‘s advocacy of teaching people how to become financially independent is backed by almost 20+ years of financial management experience.

We EDUCATE ourselves, We EXECUTE what we learn, We HELP every Filipino family get out of poverty.

✅To get ideas on how to build your Solid Financial Foundation (Do-It-Yourself Proposal): https://105353ph.imgcorp.com/quote/kaiser

Nitong taon sa hindi inaasahan isa sa aming IMG member na naka based dito sa Israel ay ang naaksidente at naging sanhi ng kanyang pagkamatay.

Naging member sa IMG sa halagang $175 at ang beneficiary ay nakatanggap ng 750,000 pesos bilang IMG membership coverage.

Nagbabayad ng kanyang Kaiser ng mahigit isang taon at nakatangap ang beneficiary ng 900,000 pesos.

Nagjoined kami sa IMG at kumuha ng Kaiser hindi para gumastos, Kundi para makatipid at makaipon.

Higit sa lahat para sa iiwanan mong pamilya at mga obligasyon.

Takot ka sa Insurance? Mas nakakatakot pag walang Insurance.



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𝗕𝗔𝗡𝗞 𝘃𝘀 𝗞𝗔𝗜𝗦𝗘𝗥 𝗟𝗢𝗡𝗚 𝗧𝗘𝗥𝗠 𝗖𝗔𝗥𝗘 (𝗛𝗠𝗢)

Know What Investments Best Suits You!

Take this as a Guide.

Let say you're 25 years old now and invested P2,647/month for 7 years...


If you invested in the BANK with a 1% rate of return per year, your money by the age of 60 is P277,470.


If you invested in Kaiser 3in1 Plan with an average of 10% Rate of Return per year, your money by the age of 60 is P2,192,119

Grow your money Faster, Better, and Safer by investing in Kaiser Long Term Care with 10% average returns per year.

Kaiser Long Term Care a.k.a. "Kaiser Ultimate Health Builder (3in1 Plan)" - is an HMO Savings Plan which is a complete Financial Solution that answers our 3 Major Financial Needs.

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The Abundance Formula

It’s simple. Just remember these 4 numbers: 100, 10, 20, 70.

💓 Earn 100 % - from YOUR SALARY / BUSINESS

💓 Give back / Tithe 10% - You must prioritize GOD. Return 10% to Him because all your blessings are from Him.

Malachi 3:10, ESV: "Bring the full tithe into the storehouse, that there may be food in my house. And thereby put me to the test, says the LORD of hosts, if I will not open the windows of heaven for you and pour down for you a blessing until there is no more need."

💓 Invest 20% - Do you know that we should also pay OURSELVES because we are the ones who get tired to earn money. Paying for yourself is not only a MATERIAL thing but through INSURANCE, SAVING AND HEALTHCARE so that when the day comes you'll be tired, you have an assistant and will have something to do in your aging. And if you can't work anymore.

💓 Spend 70% - we should learn to manage the remaining 70% for expenses. Live below your means.

👉 It's hard at first BROTHER but if you try, YOU'LL BE THE ONE TO BENEFIT.

Abundance formula is a simple principle to guide you to successful money management. You may find it hard to follow at first, but with strong commitment and dedication to improve your personal finances, there is no reason for you not to achieve your financial goals.



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Ito ang Senior Citizen Survey Ngayon sa Pilipinas..

Sa pagtanda mo kaya, Saang porsyento ka kaya mapupunta?

▪️40% Umaasa sa anak- Ito ang kinalalagyan ng karamihan ngayon na tinatawag na "sandwich generation" Naiipit sa responsibilidad sa pagpapalaki ng anak at pagsuporta sa tumatandang magulang.

▪️20% Umaasa sa Charity - Kung may pangangailangan lalo na ang medikal ay lumalapit kay Mayor, Congressman, kapitan at sa iba pang ahensya ng gobyerno.

▪️30% Ang mga nagtatrabaho parin sa kanilang matandang edad- hindi nila ito gusto pero kailangan dahil kung di magttrabaho, hindi kakain

▪️8% May Pensyon - Sapat ba ang pension ng matatanda ngayon? Alam mo bakit napakaraming Pension Loan Business ngayon? Kailangan nang uminom ng gamot at ibat ibang maintenances sila Lolo at Lola, ubos na ang pension nila, kaya kailangan ng isangla ATM pension nila.

▪️ 2% Ang mga Financially Independent- Sila ang mga nakapagipon, hindi umaasa sa anak, patravel travel na lang at sila pa ang may malaking perang maiiwan kung sakaling lilisan at di magiging problema ng pamilyang maiiwan.

Ang goal ng IMG ay madagdagan ang 2%, Ang tapusin na ang nakagawian, ang ituro sa lahat ng pamilya ang kahalagahan ng pagiipon para sa kinabukasan.

Sa kalagayan mo at sa mga ginagawa mo kaya ngayon saang porsyento posible mapunta?

Gusto mo bang mapasama sa Dos Porsyento?

Tara usap tayo, nakahanda ang IMG tumulong sayo.

Message ka lang o mag register dito

Maraming nagsasabi, bakit ka ba nag join sa IMG? Baka scam yan?

Sabi ko naman, if these big companies put their names and trusted IMG, why wouldn't I?

When other companies teaches you how to spend and get into debts... IMG teaches you how to become your own money manager, to value your hard-earned money by saving and investing, how to have proper protection for yourself and for your family, and most of all teaches you how to become a blessing by sharing the gift of financial literacy not only to your family and friends but also to all the people around you.

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Kahit itanong mo yan sa magulang mo na hindi nakapag handa ng retirement nila..

Kahit itanong mo yan sa nagkasakit na walang healthcard.

Kahit itanong mo yan sa naging OFW ng matagal pero nakalimutan bayaran ang sarili.

Kahit itanong mo yan sa nagtrabaho ng matagal hanggan ngaun wala pa rin ipon.

Kahit itanong mo yan sa isang taong lubog sa utang.

Tandaan: Kahit malaki ang sweldo mo ngayon at hindi ka mag iipon, tatanda ka pabigat sa pamilya mo.

Gusto mo magsimula? We can guide you isang click lang..😊

https://105353ph.imgcorp.com

The Abundance Formula
It’s simple. Just remember these 4 numbers:
100, 10, 20, 70.

💓 Earn 100% - galing sa SALARY/BUSINESS MO

💓Give back/Tithe 10% - Dapat unahin mo si GOD. Ibalik mo sa Kanya ang 10% kasi lahat ng blessing mo ay mula sa KANYA.
Malachi 3:10, ESV: "Bring the full tithe into the storehouse, that there may be food in my house. And thereby put me to the test, says the LORD of hosts, if I will not open the windows of heaven for you and pour down for you a blessing until there is no more need."

💓 Invest 20% - Alam mo bang dapat binabayaran din natin ang SARILI natin dahil tayo ang napapagod para kumita ng pera. Ang pagbabayad sa sarili hindi lang ang MATERIAL na bagay kundi through INSURANCE, SAVING AND HEALTHCARE para pagdating ng araw at pagod ka na, may kaagapay ka at may DUDUKUTIN sa iyong pagTANDA. At kung di na kaya mag work.

💓 Spend 70% - dapat matutunan natin to manage the remaining 70% para sa mga expenses. Live below your means.

👉Mahirap sa una KAPATID pero kung iyong susubukan IKAW rin ang MAKIKINABANG.

Abundance formula is a simple principle to guide you to successful money management. You may find it hard to follow at first, but with strong commitment and dedication to improve your personal finances, there is no reason for you not to achieve your financial goals.

BANK vs KAISER LONG TERM CARE (HMO)

Know What Investments Best Suits You! Take this as a guide. 🙂

Let say you're 25 years old now and invested P2,647.00 per month for 7 years...


If you invested in the BANK with a 1% rate of return per year, your money after reaching the age of 60 is P277,470.00.


If you invested in Kaiser 3in1 Plan with an average of 10% rate of return per year, your money after reaching the age of 60 is P2,192,119.00

>>>>>>> See the difference? 🤔

Grow your money faster, better, and safer by investing in Kaiser Long Term Care with 10% average returns per year.

Kaiser Long Term Care (also known as "Kaiser Ultimate Health Builder (3in1 Plan)" - is an HMO (Health Maintenance Organization) savings plan which is a complete Financial Solution that answers our 3 major financial needs:

1. - magagamit natin when we got sick, hindi na natin problem yung pampaospital. At cover tayo nito even when we retire - kung saan mas kailangan natin yung healthcare, kasi dyan na naglalabasan yung mga health conditions.

2. - in case something will happen to us unexpectedly - maaga tayo tinawag ni Lord, makaka-receive ang family ng life insurance money. This is crucial especially kung ikaw ay breadwinner - hindi na problem ang mga gastusin, pampaaral sa mga anak, at magagamit din na makapag-start ng business to generate continuous income.

3. - kapag blessed tayo ni Lord with long life - it's good news, pero ang tanong ngayon, "enough ba ang savings natin to support our needs when we retire?" - This will generate passive income sa ating retirement years, ito yung panahon na hindi na tayo kumikita ng active income kaya kailangan natin magbuild ng passive income as early as we can para kahit na hindi na tayo nagtatrabaho ay pumapatak parin yung income.

>>>>>>> Financial Wake-up call 🤔

Now, you decide! If not now, when? kung wala ka nang oras? If not this, what else out there?

"Time is precious and reget is always at the end. Take control of your future while you can."

Be Healthy and Insured while investing!