Financial Education Matters

5 MONEY LESSONS THAT YOU DIDN'T LEARN FROM SCHOOL

https://youtu.be/_4bJQVZXIjk

In school, they’ll teach you all the algebra you can take. They’ll teach you about geometry and trigonometry. They might even teach you about calculus. But practically, no mention of PERSONAL FINANCE - probably the most important subject that can be taught if the purpose of school is to prepare people for “the real world.”

Join our SVP and Head of Sales, Marketing, and Distribution Jung Fernando shares the 5 important money lessons that we didn't learn from school.

In the Philippines, people don't talk about insurance as much as they talk about investments. While insurance is not a fun topic, it is a critical part of your financial strategy.

Many people don't understand what insurance is and so only a few want to buy it. Even those who buy insurance don't actually understand it or appreciate its importance in building and preserving wealth. As a result, many people don't have insurance. If they do, the coverage is usually not enough.

Today, people have all kinds of protection. They insure their house, cars, phones, and appliances. They even buy travel insurance for their vacations.

However, when it comes to life insurance, people remain skeptical. The most important insurance that can protect their family and their children is the one that is not taken seriously.

Life insurance doesn't insure your life. It insures your family's ability to continue on without being financially devastated.

Some people rely on the insurance provided by the company they work for. This is usually not enough to cover a family's expenses. What's more, once they resign or retire from their respective companies, their insurance coverage also stops.

- Feel free to send us a message if you want to learn and know more about Financial Literacy and on how you will help your family in the future. We would love to help you.

- Everyone is welcome! It's free to free to learn! So what are you waiting for ? Message us directly! Thank you so much!

Ikaw pa ang pipili kung ano'ng mga benefit ang gusto mong idagdag. Piliin mo na rin ang pinakamalaking coverage na gusto mo.

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Kasi kung ikaw hindi pinili, malay mo sa insurance din. Chariz.

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Ito pala ang tama. Ang alam lang natin dati magtrabaho at mag-ipon. Pero di tayo tinuruan mag invest.

Dapat pala katulong natin ang pera magtrabaho para sa atin. Kasi hindi naman tayo habang buhay malakas at kayang magtrabaho. Pero ang pera hindi napapagod. Kaya ang ipon dapat naka-invest.

Kung naghahanap ka ng mga tamang investment vehicle na paglalagyan ng ipon mo, marami sa IMG. For as low at 1000 pesos na initial investment once you become a member pwede ka na maging investor ng malalaking kumpanya dito sa Pilipinas.

May libre pang coaching at guided tayo.

Tara na, BE AN IMG MEMBER!

Please contact us and set an appointment to know more: http://bit.ly/LyraMayFranciscoAFP

REALTALK:

Araw-araw may cravings, pero araw-araw din bang may savings?

Kung nabasa mo ito, baka ito na yung sign para magsimula ka ng mag-ipon. 😊

To know the right and basic concepts of savings and investing, click here: http://306441ph.imgcorp.com/buildingyourfuture-ebook/

CONGRATULATIONS! 🎉

Another safe month from budol. Hindi gumana ang kaya nalang muna ang hirit natin.

Kung nakapag-save ka today, marked yourself safe from impulsive gastos today. Ano yung luho item na hindi mo binili just to save money?

To know the basic concepts of saving and investing your hard-earned money, click here:

http://306441ph.imgcorp.com/buildingyourfuture-ebook/

SANDWICH GENERATION

Yung napapagitnaan ka ng responsibilidad sa pamilya mo, asawa, anak at sa mga tumatanda mong mga magulang.

Kapag sabay may pangangailangan ang anak mo at biglang nagkasakit naman magulang mo at walang healthcare, lahat ay umaasa lang sa iyong sahod. Yung hindi mo na alam sino ba ang uunahin mo. Pati sarili mo nakalimutan mo na din.

Kaya napakahalaga ng itinuturo ng IMG na Financial Education para maiwasan ito. TAKE ACTION po tayo ngayon dahil LAHAT ng mga desisyon natin, pagsasawalang bahala at lahat ng ito — ANAK ang sasalo. Anak ang sasalo pag hindi nagplano at hindi ka nag ipon.

Maawa tayo sa next generation natin.

Kung ikaw ay may business (malaki man o maliit) dapat ay may naitatabi ka rin na SAVINGS.

Huwag kang maging BUSY lang na kumita ng pera, dapat mas maging BUSY ka kung papaano mo ma-iinvest ang iyong kinikita. 😊

Active Income — Temporary lang, at mas pagod ka.

Passive Income — Lumalago habang tumatagal, because MONEY is working for you.

Gusto mong malaman ang tamang konsepto ng pag-iipon at pagi-invest?
Click here: http://306441ph.imgcorp.com/buildingyourfuture-ebook/

True Story.

I have a friend na tulad ko rin nawalan ng trabaho nitong nagkaroon ng pandemya. Noong December 2020 nakatanggap siya ng Ayuda na 5,000 pesos sa barangay.

Inaalok ko siya noon na mag-IMG. Sabi ko, iga-guide ko siya to save and invest the right way para ang pera niya ay mag-go-grow. Pero sabi niya, sa Bank daw siya mag-iipon. Kahit na sinabi ko na sa kanya na hindi dodoble ang pera niya sa Banko. Pero sabi niya sa Bank daw talaga siya mag-iipon. Sabi ko, Ok. 👍🏼

Makalipas ang isang taon at dalawang buwan, bumalik sa akin ang kaibigan ko at ipinakita niya ang passbook niya. Friend, nawala ang pera ko... 😞😢. Totoo nga ‘yong sinasabi mo.

Ayon sa transactions sa kaniyang passbook:
Ang 5,000 pesos niya noong December 2020, binawasan niya ng 3,000 pesos noong April 2021 at kahit hindi siya nagwi-withraw, binawasan ito ng bank ng 500 pesos, (kase nga below maintaining na ang account). Noong nagkapera siya June 2021, nagdeposit siya ng 3,000 pesos. Ang pera niya ay naging 4,502.01 pesos. Pero, hindi na niya ito nadagdagan... at ang sad story, kahit hindi siya nagwiwithraw, binabawasan ito ng Banko.

Kaya ang pera ni Friend, mula 5,000 pesos naging 502.01 pesos na lang ngayon nang mag-update siya sa banko. Sabi ko sa kanya, kailangan pa ba mangyari ito para maniwala ka sa akin? Haaay.

Ito ang ng aking kaibigan. Mag-ipon.

Sa totoo lang, wala naman masama na maglagay ng pera sa bank. Pero dapat ito ay para sa emergency fund natin. Hindi ito IPON. Lalo na kung hindi mo naman ito nadadagdagan, kaya ang ending ito, kahit hindi mo binabawasan ang pera mo, automatic na binabawasan ito ng banko kung wala na sa maintenaining balance.

Kaya kung hindi ka pa maniniwala sa sinasabi ko, ewan ko na lang. Ayan na po ang resibo. 🤭

Ang tanong? Saan po ba dapat ang tamang pag-iipon? E di sap na tayo. 💙

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