Free Financial Coaching Seminars

Regular Financial Coaching seminars Every:

Tuesday at 10am and 2pm
Thursday at 10am and 7pm
Saturday 2pm and 7pm

Topics That Will Be Discussed in the FREE Seminar:

•Practical Money Management Strategies
•How to Build a Solid Financial Foundation
•The X-Curve Concept: The Blueprint of Financial Planning
•The Six (6) Steps to Financial Freedom
•Investment Strategies
•Rule of 72 in Investing
•The Different Sources of Incomes
•How to Create Millions with P1,000/month investment

Duration: 2 hours and 30 minutes

Venue:

9th floor, King's Court Building, Chino Roces Avenue (formerly Pasong Tamo) corner Dela Rosa Street, Makati City

PLEASE CONTACT US FOR SEAT RESERVATIONS:

Mac & Luz / IMG Field Leaders
09177883134 / 09231470608

WE ALSO BRING MEETINGS TO PEOPLE, 1 BY 1 OR SIDE BY SIDE COACHING,
JUST TELL US YOUR PREFERRED DATE AND TIME AND WE WILL SET IT UP FOR YOU. 


P.S. DON'T DELAY. YOUR FUTURE LIES IN YOUR HANDS.

"IF YOU THINK FINANCIAL LITERACY IS NOT IMPORTANT, TRY IGNORANCE"

"FINANCIAL SECURITY IS NOT A DREAM, IT IS A PRIORITY..."

Our Affiliates

 

Bypass the Middle Man, Be your own Broker, Be your own Financial Advisor.

 Invest, learn and earn at the same time !!!

With these Big Providers and Partners, we have every financial services and products you need, Isn't it great? 

 

Join our crusade

 

First I would like to thank everyone who has been following and supporting my blog. Praise and thanks to our Maker who has given me this challenge and crusade to spread financial literacy to every Juan. More and more people are getting interested and started to ask what I have been doing lately and I am very happy to share what we have learned throughout this journey. Credits also to our great mentors and coaches for the guidance and teachings. And to my loving wife, my Momsy, who has been very supportive and persistent. She never gave up on me and continuously been giving me inspiration, courage and strength pursue our dreams and mission.

If you had been reading my posts, I knew that though you do not join me in this quest, I have opened your minds to the importance of financial literacy and gave you realization of how you should properly build your wealth and secure your future. If not then let me ask you this:

It is never too late, remember the more you procrastinate the more time wasted the more money loss. The earlier you save the bigger savings you earn, remember our lesson with the compounding interest?  Think of what is important and dear to you? Think of your goals and plans, are you still aligned with them? Stop complaining ..... Do something !

 

 

 

 

"HANGGANG LIKE KA NA LANG BA?"

 

 

For free financial coaching seminars, please contact us:

Come and be part of our team.

 Mac & Luz

IMG Field Leaders

09177883134 / 09231470608

 

When It Rains it Pours

Dahil namiss ko mag blog, eto pa huling hirit for Saturday, though technically Sunday na pala hehe. Again I just want to make it clear to you my dear readers, I am not in a networking / MLM business, I am part of IMG, a distributor of financial services and products with known and proven business affiliates so please do not compare us with such businesses. I don't need to sell, I don't need to recruit to earn money and most of all we do not force you or anyone to join us, neither do we bash and hate you if you don't. Trust me this is very different, my wife and I are both businessmen and tried many businesses already, name them, from  clothes, food, vitamins, food carts, beauty and health products etc. Check mo tong old post ko (CLICK THIS) para matauhan or maliwanagan ka sa pagkakaiba.

We teach financial literacy to people, open there minds to the power of investing and guide them how to attain their goals. Why do we do this? Simply because we enjoy it, saw a very big potential of this business and knew that by applying what we preach can really do bring us financial freedom, if not at least close and we tried.

So far we are very happy with the results of this journey, we have both short and long term healthcare for me and my family, protection and long term investments. Started creating emergency funds and eliminating debts. Cash flow has been increased not only with the knowledge gained but with the system of business itself. We are now field leaders and shall run Marketing Directors 2-3 months hopefully. At the right is the field leader pin given and below is the official awarding with our MD Mrs. Luz Lozada and the whole TRM Team.

 We'd like to thank God for giving us this mission, to our great coaches and mentors for their guidance, knowledge and perseverance.  To our dear friends, families and business partners for their support. Truly it's nice when you earn while learning and have that blessed feeling when you invited someone and they learned from you instead of just the "ca ching" sound coming from your commissions. Plus when you are with people who are savers, investors and real entrepreneurs, you tend to be the same kind of person having the same mindset. Kung mga kasama mo ay waldas, then good luck sa iyong savings, of course you know what I mean.
This at the right is photo taken from Kowloon House  near our office. Though everyone is tired, kasi mga galing pa ng shift and pagod sa dami ng guests this day, hindi bakas sa mga ngiti. Thanks Tita Luz for the delicious dinner/meryenda. Burrpppp!

PS. These photos are not for bragging or making  you inggit  or whatever. I don't need to post pictures of big houses, nice cars, chekeng wagas na hindi naman saken haha just to invite someone.

As I have promised in this blog I will share our experiences in our quest for wealth and the knowledge we learned from this crusade. If you are enlightened and inspired with what we had showed you then we are truly happy and open to welcome you to be part of this business. I congratulate you in advance for having the entrepreneur mindset and giving importance to financial literacy. If not I will understand, no worries, I won't say your a person with pride or whatever crap, it's your right to choose, right and wrongs are based on people's perception.  

I just believe that there is indeed wealth for every Juan  and again I would like to end this post with this quote:

"If you think financial literacy is not important, try ignorance..."

HAPPY INVESTING EVERYONE !!!!

For free financial coaching seminars please feel free to contact us, Yes you can also be a part of our team and join our crusade.

Contact us:

Mac & Luz

IMG Field Leaders
09177883134 / 09231470608

Welcome Randy !!!

Guess who's in da haws ?!?!?

 

Indeed this is a very blessed Saturday, I really never expected this, thanks God.

 

Meet Mr. Randy Roxas, my friend, my kumpare  and now my business partner, o di ba? Most of my classmates and schoolmates probably will immediately recall him, makulit, pasaway, kengkoy, badudats vs varogies (highschool gangs) hehehe, pero wag ka! 

He is now not only a manager in Sitel, and a proud dad of two but also an Entrepreneur, an Investor, broker and soon to be Marketing Director. Yebah !!!

 

 

His family now is secured as well as his future for he now knows how money can work for him instead of only him working for the money. He learned the importance of financial literacy and immediately applied it. He now has his long term healthcare, protection and investment. Thumbs up to you bro.

 

Here are some candid shots in our office,  Grabe ka parekoy pati marketing director namin di mo pinatawad sa kaka halakhak!

  

Truly this journey has been amazing and rewarding lalong lalo na when you do this business with your friends and loved ones.

 

Again credits to the TRM team, to our mentor Mrs. Luz, and to my dear wife for all the effort and warm hearts that make me pursue this dream and mission that there is indeed wealth for every Juan !!!

Congratulations for taking your first step to financial freedom

 

 

 

Come learn with us and be part of our team.
Contact us: Mac & Luz
09177883134 / 09231470608

 

 

 

 

Welcome CJ and Nellyn !!!

It's another blessed Saturday !!! Thanks to our Maker for another family helped towards building their financial wealth and securing their future.  Goals have been set, minds have been opened and educated. Welcome couples Carlos Jay and Nellyn Santos and congratulations for taking your first step to financial freedom!

 

This is not like  any other business out there where they tell you to humble down, remove your pride  and just follow or join  them then they'll take care of you. After that what? This is a business of your own but not by your own. Goal driven, simple, clear and doable. Be proud guys for your first investment, of what you have learned and achieved, for having a great business to grow and for having the opportunity to help  others  become savers from spenders, from employees to entrepreneurs.  Once again thanks to our mentor Mrs. Luz Lozada for her guidance and patience in teaching us and of course to the whole TRM team for the inspiration and the spirit. Woooosssshhhhh !!!

 

Welcome to the Truly Rich Makers Team !!!

 

 

Come and be part of our team.

Contact us: Mac & Luz / IMG Field Leaders / Truly Rich Makers

09177883134 / 09231470608

 

 

 

 

A Life Changing Opportunity

Nearing 40 and have nothing yet to speak of?

 

Property, good credit score, insurance, retirement fund,  investment and stable cash flow, These are what you should have at least.

Do not wait until you are 40 before considering to prepare for these things. While you still have the time, strength, and opportunity to work on building the life you want for you and your loved ones, maximize what you have today so you will have a comfortable life after 40 and beyond

Put your finances in order—now

 

They say life begins at 40 and I totally agree. In IMG I learned the building blocks of a solid financial foundation.

 

We must build our financial plan in this order:

 

 

1.           HEALTHCARE

 -           this will cover our medical expenses when we get sick during our working age and when we eventually retire

 -               short-term healthcare – provided by our employers while we are employed but stops when we resign, terminated or retire

-                long-term healthcare – medical expenses coverage during our retirement age

 

 

 

 

 

2.       PROTECTION

 

-                in case something happens to us (death or disability), our families would receive a certain amount of funds to cover our inability to earn income. 

 -              this is addressed by getting a life, disability or income protection insurance

 

 

 

 

 

 

3.       ELIMINATE DEBT

•                We can’t afford to invest if we are burdened with debt. We must settle and eliminate our debt first.
•                If our debts are interest-bearing, the interest will just eat up both our funds and the potential gains from our investments. It is not advisable to borrow money for investment.

 

4.       EMERGENCY FUND  

•                reserved funds to cover our unexpected expenses during emergencies like disasters and job loss
•      must be at least 3 to 6 months of our income, if we are earning P10,000 per month then we need to have at least P30,000 to P60,000 set aside as our emergency fund
•     must be kept in a readily accessible bank account.

 

5.       INVESTMENTS

The first 4 steps should be addressed first before investing.

 You can invest in mutual funds, stocks or real estate

 

          

            Most of us, new investors, would go straight to investments.   We get blindsided by the high rate of return of investing in stocks or the opportunity to own real estate. We don’t bother to go through the lower levels.

 

 

 

Learn more with our free financial coaching seminars. Join us in helping every family get financially literate and secured.

 

BUSINESS WE OFFER… A Life Changing Business Opportunity….

1. One STOP SHOP of Financial Services -  we have everything we need
2. By-Pass The Middle Man- earn the commission yourself
3. Create Your Multiple Passive Income Stream -14 Ways to Earn in IMG….   No Quota, No Time Cards, No Boss!
4. Have Your Own Business Franchise - Business with proven SYSTEM…create your own business outlet all over the world!

 

Earn Interest Income  from Investments - invest correctly and safely with high returns…

Earn By Helping Others Save and Invest  … A Life Changing Business Opportunity

 

 

 

 We give the power of smart purchase decisions back to every Juan by providing everything they need to become financially savvy.

 

INTERESTED? PLS FILL OUT THE INQUIRY SECTION AT THE RIGHT HAND SECTION OF THIS BLOG

 

  

 

 

 

 

NEEDS VS WANTS

"My God will meet all your needs according to His glorious riches in Christ Jesus."
- Philippians 4:19

Does this sound familiar? ... " I need new shoes," or "I need an Ipad" or "I need a cell phone?"
Now, stop and think about how many times you told your parents you NEED something. Do you really need those things or do you simply WANT them? Are your prayers want-based instead of need-based? Often we try to tell God what to do because we want our lives to be easier or happier.
We ask Him to do things the way we WANT.

God hasn't promised to do that. He promised to supply our needs. That's a whole different thing. Think about it - has God supplied your need? Mosty likely. Stop and Thank Him for knowing what's best for you and supplying those things.

"Dear God, this is hard. Thank You for supplying my needs and for understanding when I pray for what I want. Amen"

Debt = Death

"Debt is Death"

 

Sounds like d ba?  Natural mabaon ka ba naman sa utang eh di deds ka! Yari ka!

 

Ganito ang utang sa mundo ng finance. And it is a very big NO and should be our very last option. Gaya nga ng natutunan mo sa Kurot DaKot Principle dapat kumurot lang tayo , wag dakot nang dakot at lalong wag uutang.

 

Ngunit bakit nga ba tayo umuutang?

• Malas? - inaalat ka, gipit na gipit ka, kulang ang kinikita mo para sa kabuhayan mo. 
• malas nga ba? baka naman kulang lang ang effort mo or kailangan mo lang palitan ang diskarte mo sa buhay.

• No Choice? - wala ka na ibang maisip na paraan upang makapagproduce ng pera para sa isang matinding sitwasyon o pangangailangan.  
• Sabi nila ang taong nagigipit sa patalim kumakapit? Kung alam mo makakasama ito sa yo or sa iba at alam mong hindi mo ito kaya bayaran,  maghanap ka ng ibang paraan. You always have a choice

• Kapritso - madalas ito nangyayari sa ating mga credit cards at loans sa bangko. Naeenganyo tayo sa mga bagong gadget, magagarang sasakyan at kung anu-ano pa. Dahil nais mo maging "IN" kahit wala ka pang sapat na perang pambili or tinatamad ka magantay sa savings mo para makabili ng gusto mo, uutang ka na lang. 
• Bigyang halaga ang pera na iyong pinaghirapan. Isipin parati kung makabuluhan ba ang paggagamitan nito.

 

 

Pero alam nyo ba na hindi naman lahat ng utang ay masama? Meron din naming tinatawag nating good debts.  Halimbawa nito ay kapag nag loan ka sa bangko upang pang puhunan sa iyong negosyo or ginagamit mo ang mga advantages ng credit card like credit to cash at iba pa. Hindi ko rin sinasabing gupitin mo na lang ang credit cards mo dahil convenient at mas secure ang credit card kaysa magdala ka ng malaking halaga ng pera sa wallet mo. Pero mag-ingat, pagkatandaan na ito ay isang temptation na kung hindi mo alam gamitin nang tama ay lagot ka.

 

Sa kabila nito ang utang ay utang. Ang aming TIPS ay:

 

Kung may balak kang umutang make sure you can manage your debts, iwasan ang bad debts, siguraduhing kaya mo itong bayaran sa tamang panahong pinagkasunduan. Iwasan ang penalty upang huwag magpatong-patong ang utang.

 

Magbayad ng mas malaki sa minimum. Ang mga credit card at loans ng mga bangko ay compounded interest samantalang ang savings mo sa kanila ay simple interest at kung may compounded interest man, generous na ang bangko mo kung aabot sa 2 % interest ang savings mo. Ang daya di ba? Kaya sa pamamagitan ng pagbayad ng malaki sa interest mas mabilis mong mababayaran ang utang mo at ang interest na kinita sayo ng bangko ay mas maliit. Tandaan kapag ang babayaran mong utang ay humigit sa dobleng halaga ng iyong utang, TALO ka.

 

Eliminate your debts. Tamang disiplina at diskarte. Mag-compute ng mga interest. Maaalala mo sa ating building a solid financial foundation lesson, kailangan mo ito gawin bago mag-invest nang sa ganun hindi kakainin ng pambayad utang mo ang perang nilalagay mo sa investments mo.

 

"Increase your cash flow, otherwise decrease your costs"

 

 

Kung nais mong dagdagan ang iyong kaalamang pinansyal habang kumikita na, nakakatulong ka pa sa ibang pamilya, paki fill out lng po ng inquiry form sa kanang bahagi ng blog na ito.

 

Malay mo ikaw na ang susunod na  milyonaryo, kung hindi man at least malapit ka na at sinubukan mo.

 

 

Sabi nga ni Rambo:  " LIVE FOR NOTHING OR DIE FOR SOMETHING ..." 

 

 

 

 

Mga Klase ng Sweldo

 

NAKAKARELATE KA BA?

 

 

Anong klaseng suweldo meron ka? Ito ang mapait na katotohanan sa mga empleyadong gaya natin. Sa panahon ngayon, madalas sinasabi natin hindi na sapat ang ating sinusweldo para sating pamumuhay. Pambayad bills, pampaaral ng ating mga anak, pang suporta sa sarili at pamilya, at sa mga bagay bagay na ating ninanais bilhin. Ang tanong ... "Kulang ba talaga?"

 

"Poverty is not caused by lack of money, but mismanaged money"  - ROBERT KIYOSAKI

 

Naaalala ko pa noong ako'y nagsisimula pa lamang magtrabaho. Ang aking kinikita noon ay nasa 7,000 piso  lamang kada kinsenas, malaki pa rin nga kung tutuusin kumpara sa mga "entry level" na mga uri ng trabaho. Nakatira ako noon sa aming Lolo't Lola. Lubos na  nagpapasalamat kami sa kanila at itinuturing kong malaking utang ng loob na hindi mapapantayan ang kanilang pag aaruga sa amin kaya noong ako ay nagkatrabaho ninais kong makatulong at makabawi naman sa kanila. Nagsasalitan kami ng aking kuya sa electric bills, ako naman dahil sa kagustuhan matutong maging independent, pinilit ko na umupa ng isang kwarto sa kanilang boarding house. Bagamat maliit pa ang aking suweldo tuwing payday nakakapaguwi pa ko ng mga pasalubong at nakakapanlibre madalas. Tuwing may kaarawan sa amin  parati rin ako may regalo.

 

Ngunit napansin ko sa paglipas ng panahon, habang lumalaki ang aking kinikita, lalo ako nagigipit! Iniisip ko wala naman pagbabago sa lifestyle ko, pero ang totoo habang lumalaki ang suweldo lumalaki rin ang gastos ko. Nadagdagan ang aking mga responsibilidad at kadalasan sa mga kapritso lang sa buhay napupunta ang aking salapi. Gimik kasama ng barkada, nood sine, bagong sapatos o damit, maki uso sa bagong gadgets at kung anu anu pa. Ngunit ang magimpok pra sa kinabukasan hindi ko pa naisip. Sabi ko bata pa naman ako, enjoy ko muna.

 

Ito ang katotohanan na nangyayari, nagiging ganito ang uri ng ating suweldo  dahil wala tayong sapat na kaalamang pinansyal. Akala natin sapat na ang may savings sa bank account, akala natin pang mayaman lang ang insurance at investments. Higit sa lahat napapabayaan natin ang pinakamahalaga, ang ating pansariling kalusugan. Napapaghalo natin kahulugan  ng NEEDS at WANTS. Hindi natin alam kung ano ang ASSET at LIABILTY.  Gaya ng natutunan natin sa X curve concept na aking diniscuss sa blog na ito, sa buhay natin may 2 katanungan:

 

Paano kung namatay ka agad? Paano na ang ating mga mahal sa buhay? Paano na ang ating iiwang mga responsibilidad? Sino susuporta sa ating pamilya? Sapat na ba ang savings mo? 

 

Paano kapag nabuhay ka ng masyadong matagal? Pag tanda mo at hindi mo na kaya magtrabaho, aasa ka na lang sa mga anak mo? Sasabihin mo dahil inalagaan mo sila dati ngaun sila naman mag alaga sa iyo? Hindi investment ang ating mga anak. Eh sinu na susuporta sa yo? Sapat na ba ang savings mo?

 

Malamang iniisip mo:

 

"Wala ko pera para jan"

•               Simple lang, dagdagan mo ang iyong kita (cash flow) o bawasan mo ang iyong gastos. Magtabi muna   bago gumastos at hindi ang kabaligtaran nang sa ganoon magiging obligado ka magimpok at magkakaroon ka ng siguradong pera pag dating ng panahong kailangan mo ito.

 

"Malaki naman kinikita ko, saka na yan"

•             Mas lalo mo kailangan maghanda! Gaya nang nasabi ko, habang lumalaki ang iyong kita lumalaki ang iyong gastos at mga responsibilidad. Sabi nila ang formula para sa iyong retirement ay ang iyong isang taong sahod times ten, para mapanaitili mo ang iyong current lifestyle.  Meron ka ba nito?
•             Paano kung nawalan ka ng trabaho? Sabi nga nila hindi araw araw pasko, hindi habang buhay nsa ibabaw ka.

" Kapag gusto may paraan, kung ayaw maraming dahilan ..."

 

Kung ang nabasa ninyo ngayon ay may kabuluhan sa inyo at tinamaan kayo, hindi pa huli para paghandaan ang kinabukasan. Mahalaga lang alam mo ang dapat mong gawin, mayroong malinaw na plano at dsiplina sa sarili para makamit ang iyong goal.

 

 

Kung nais ninyo ng libreng financial coaching, paki fill out lng ng inquiry form sa kanang bahagi ng blog na ito.

 

HAPPY LEARNING EVERY JUAN !!!

 

 

 

 

 

 

 

LEVEL 2 INVESTING:MUTUAL FUNDS

Take Ownership in Investment Opportunities

Mutual funds are among the most popular and versatile financial planning vehicles in the United States. They can be useful in achieving the long- and short-term goals you've established for your family by completing your personal Financial Lifestyle Strategy (FLS).

•  82.8 million Americans own mutual funds.
• A typical shareholder invests through employer-sponsored retirement plans and has long term financial goals such as retirement.
• There are more than 7,300 mutual funds representing a wide variety of investment objectives.

A mutual fund is an investment company that combines money from individuals and invests in a diversified portfolio of securities. Each investor is a shareholder who buys shares of the fund. Each share represents a proportion of ownership in the fund's assets.

 

There are different types of mutual funds, and each type is designed to benefit from either a short-term or long-term investment strategy.

 

BASIC TYPES OF MUTUAL FUNDS:

 

Long-Term Funds

• Stock/Equity - funds that invest in a variety of stocks.
• Index - equity funds that attempt to mirror the performance of a specific index, such as the  S&P 500.
• Bond - funds that invest in a variety of bonds.
• Hybrid - funds that invest in a combination of stocks, bonds and other securities.
• Short-Term Funds
• Money Market -funds that invest in securities that generally mature in one year or less (very liquid).

OBJECTIVES OF STOCK/EQUITY/INDEX FUNDS:

 

The stock market is probably one of the best options for people who want to be involved in high-yielding investments. Studies show that the stock market has consistently outperformed all other types of investments over the long-term. However, in a rapidly changing economic and political environment, owning and monitoring a portfolio of stocks require more analysis and effort than the average person can handle.

 

The conviction to buy a security, the patience to hold on to it as long as necessary, and the wisdom to sell at the right time are qualities that lead to success in the stock market. These qualities, however, are developed through years of experience and require abundant information and capital resources. For the ordinary investor, these qualities can only be obtained through the services of professional fund managers or through investments in actively managed equity funds.

 

•  Growth Funds - Seek to provide long-term growth of capital by investing in growing, profitable companies.
•  Total Return Funds - Seek to provide long-term growth of capital and income primarily through investments in common stocks.
•  Value Funds - Seek long-term capital growth by investing in a diversified stock portfolio of undervalued companies.
•  World Equity Funds (Global) - Seek long-term growth of capital by investing in stocks and bonds with significant exposure to countries that have developing economies and/or markets.
•  Index Funds - Seek long-term capital growth by investing in a diversified portfolio of common stocks with returns similar to a specific index, such as the S&P 500.
•  Sector Funds - Seek to provide high growth of capital by concentrating assets in equities in one sector of the economy such as biotech, telecommunications, precious metals, etc.

 

OBJECTIVES OF HYBRID FUNDS:

 

•  Asset Allocation Funds - As market conditions change, these funds shift assets among stocks, bonds and money market securities. Also, unlike many mutual funds, these funds usually have no limits on the percentage of assets that can be invested in each asset class at any given time.
•  Balanced Funds - Seek to provide conservation of capital, current income and long-term growth of capital and income by investing in stocks, bonds and other fixed-income securities.
•  Income-Mixed Funds -Seek to provide current income and, secondarily, growth of capital through a flexible mix of equity and debt instruments.

 

OBJECTIVES OF BOND/INCOME FUNDS:

 

•  Corporate Bond Funds - Seek current income, while preserving capital, by investing in a diversified portfolio of high-grade corporate fixed-income securities.
•  High-Yield Bond Funds - Seek current income, while preserving capital, by investing in a diversified portfolio of lower grade, higher yielding corporate and/or government fixed-income securities.
•  World Bond Funds - Seek to provide high, long-term total return consistent with prudent management by investing in quality fixed-income securities issued by major world governments and corporations around the world and in the United States.
•  Government Bond Funds - Seek current income while preserving capital,by investing in obligations issued or guaranteed by the U.S. government or its agencies.
•  Strategic Income Funds - Seek to provide a high level of current income and preservation of capital.
•  State Municipal Bond Funds - Seek to provide current income free from federal and state income taxes. Also seeks to preserve capital.
•  Municipal Bond Funds - Seek to provide a high level of current income exempt from federal taxes, consistent with the preservation of capital.

 

OBJECTIVES OF MONEY MARKET FUNDS:

 

•  Taxable Money Market Funds - Seek to provide income on cash reserves, while preserving capital and maintaining liquidity, through high-quality money market instruments. Pays dividends monthly.
•  Tax-Exempt Money Market Funds - Seek to provide income exempt from federal taxes while preserving capital and maintaining liquidity. Pays dividends monthly.

 

 

Mutual Fund Planning

 

Mutual funds, as with other investments, are affected by changes in economic trends and cycles. The value of investments may rise or fall as the stock and bond markets fluctuate. Understanding certain investment concepts and tactics can help you lessen risk and maximize opportunity.

 

INVESTMENT CONCEPTS

 

INFLATION: Inflation is an increase in the volume of money and credit relative to available goods and services, resulting in a continuing rise in the general price level. Over time, inflation reduces the value and purchasing power of money.

RISK VERSUS REWARD: Generally, the greater the amount of risk assumed by an investor is, the greater the potential rewards are. Before you make any investment decisions, you should know your risk tolerance. Factors such as age, income and years until retirement, should be considered before making ANY investment decision.

MARKET FLUCTUATIONS: Upswings or downturns in market activity impact the value of investment instruments or accounts. As a result, investments may be worth more or less than their original cost when ultimately redeemed.

ASSET ALLOCATION: Asset allocation is the process of developing a diversified portfolio by mixing different asset classes - such as stocks, bonds and cash equivalents - in varying proportions to help reduce risk and maximize potential return.

DIVERSIFICATION: An investment portfolio that contains a number of different types of investments tends to have a lower level of risk than a portfolio with more similar types of investments. There is no assurance that a diversified portfolio will achieve a greater return than a non-diversified portfolio.

DOLLAR-COST AVERAGING: Dollar-cost averaging advocates the investment of a constant dollar amount, regardless of the price of the investment. Over a period of time, this generally results in a lower purchase price per investment than if the total purchase was made at one time.

COMPOUNDING: Compounding takes place when the returns (such as interest, dividends and capital gains) on investments start earning returns of their own.

 

 

Benefits of Mutual Funds

 

PROFESSIONAL MONEY MANAGEMENT

 Develop investment strategy and chooses investments that best match the fund objective.

 Decisions based on extensive knowledge and research of market conditions and financial performances.

 Adjusts investment mix as economic conditions change.

 Diversifies portfolio to reduce risk.

ACCESSIBILITY

 Easy to buy either through an investment professional or directly from an investment firm.

 Generally offered as investment selections in 401(k) plans and other employee benefit plans.

 Offer wide variety of services to meet shareholders' needs.

 Variety of investment minimums allowing participation at virtually any dollar amount.

TAX ADVANTAGES AND ECONOMIC OPPORTUNITY

 Allow investors to contribute to and benefit from investment in economy.

 Potentially tax-deductible or tax-deferred if used within certain qualified retirement plans.

 Potentially reduce taxes by reducing taxable income.

 

Frequently Asked Questions

 

1. WHERE CAN I FIND INFORMATION ABOUT HOW THESE PRODUCTS WORK, AS WELL AS BENEFITS AND RISKS?

The best source of information is the fund's prospectus. This document contains detailed information about the fund, its features, its performance and more. You should receive and read the prospectus thoroughly before making any financial commitment to the fund.

 

2. CAN I MAKE CHANGES IF MY SITUATION CHANGES? HOW?

Yes, The prospectus spells out what requirements apply to fund activities and any fees related to the administration and record-keeping of those events. If you purchased the fund through a registered representative, he or she can also explain these details. Information is also available from the mutual fund company, usually via a Web site or shareholder information line.

 

3. SHOULD I REDEEM MY FUND BAL ANCE IF THE MARKET GOES DOWN?

Mutual funds are typically part of a longer-term financial strategy, and are not normally intended to be utilized as short-term (12 mos. or less) trading vehicles. Because of the potential for fluctuations in value of the underlying securities in a fund, the fund itself may expe rience a change in overall value as well. As such, the sale of fund shares that have declined in value should only be considered if such a transaction is consistent with your total financial plans and goals. An important consideration is "time in the market, NOT timing of the market."

 

4. HOW IS A MUTUAL FUND'S PRICE DETERMINED?

The process of pricing a fund usually begins at the end of each business day when the New York Stock Exchange closes.

• Remember, past performance is no guarantee of future results.

• To determine a mutual fund's share price, follow this formula:

 

Fund share price or Net Asset Value (NAV) = Market value in dollars of a fund's securities minus its liabilities, divided by the number of investor shares outstanding

 

Orders received during a business day will be executed at the NAV determined at the close of business that day. This process is referred to as forward pricing.

 

Buying Tips

•  Match fund objectives to your needs:
•  Understand your risk profile and investment goals.
•  Understand the fund's investment choices/objectives (i.e., industry-specific, socially responsible, etc.) and limitations (i.e., mutual funds may not be best choice for investors close to retirement age, etc.).
•  Market volatility may be greater with non-U.S.-investing funds.
•  Investment professionals are compensated for the services and support they provide investors, generally through a sales commission, or through 12b-1 and/or service fees deducted from the fund's assets.
•  Direct-marketed funds typically offer fund shares with a low sales charge or none at all. Funds that don't charge a front-end or deferred sales charge are called "no-load" funds. Other fees or expenses may apply.

Expenses and Fees

 

If you are considering the purchase of a mutual fund, be sure you thoroughly understand its sales charges, fee and expense structure. Ask your representative or the mutual fund company for an explanation of:

•  Sales charges
•  Other fund fees/ expenses
•  Transfer fees
•  Redemption fees

 Visit your local library for magazines or books on mutual funds, securities and personal finance

 Many mutual fund companies offer toll-free consumer inquiry lines. If you're considering  purchasing a fund from a particular company, ask for product literature or visit its Web site.

 

 

With IMG this is Level 2 investment as recommended in the building a solid financial foundation. We teach concepts of Mutual Funds and guide our members how to invest properly. Invest through top MF companies, like Philam, PhilEquity, and FAMI  with IMG, remove the middle man, be your own broker. 

 

Learn more with us, come join and take your first step to financial freedom. Next stop, Level 3: Stock Market

 

 

 

 

 

 

 

 

Stay Hungry, Stay Foolish by Steve Jobs

The inspirational speech given by Steve Jobs to graduates at Stanford. Stay hungry. Stay foolish

See you soon Enzo

Congrats Momsy

It's a blessed Thursday, Momsy and I woke up early to go to SM MOA to check the status of the house we bought from Cavite and to drop by the IMG office for some paperwork. When we arrive at the office, we were told that my wife has been promoted already to Field Leader !!! Wow congratulations Momsy! We're so proud of you.

 



 

(from Facebook)



 

We were blessed to have been invited by our Ninang Edna and Ninong Eric Belen as well as to have our great coach Mrs. Luz Lozada and of course with the best team Truly Rich Makers.  

 

After immediately spreading the mission, practicing what we preach and a little hardwork, we only not secured our future, we also had the chance to help other families too and get rewarded. What a great company right? 4 days promotion?!?!

 

But wait that's not all, we were also able to invite our agent from SHDC and brought him with us to the office too! See you soon Enzo. We were so happy and inspired when we arrive there, we saw the MD's having their MD  school and we were able to meet our head coaches and mentor Mr. Benj and Fely Santiago. We thank God and all the people who made this possible. Next stop my FL run and our MD run! Push !!!

 

Together with TRM Head Coach Mrs. Fely Santiago

 

We hope to learn more from this journey and help more families and friends. And as promised to you dear readers I will share what we learn on this blog and together lets all take the ride to financial freedom !

 

If you also want to be part of our team, have free financial coaching seminars, invest the right way, spread financial literacy to help others and increase your cash flow, feel free to leave a comment below or fill out the inquiry section at the right side of this blog.

Rich Dad, Poor Dad (Summary)

Here's my summary of the famous book from Robert Kiyosaki. I  hope you like it, be inspired and learn from this. Happy investing everyone !!!

Lessons from Rich Dad, Poor Dad

- Robert Kiyosaki

Many people work very hard, but they never seem to earn enough. In Rich Dad, Poor Dad, Robert Kiyosaki explains how to escape this "rat race" and achieve financial independence.

Everybody should go to school, get high grades and then get a good job, right? Wrong! Well, at least if financial independence is what you are aiming at. Our education system is the number one cause of why so many people struggle financially. Schools teach people how to work for money, but they do not teach them how money can work for them. This lack of financial skills taught in school means that even highly educated people generally do not know how to handle money. The result is that the majority of people get trapped in work to pay their bills and are chasing paychecks all their life.

This is the sad conclusion Robert Kiyosaki draws in his bestselling book Rich Dad, Poor Dad.  Luckily, he also offers a way out. A way to get ahead. The fundamental trouble with working for money is that a job is a short term solution to a long term problem. People believe that if they get that raise, or get a new job they will finally have enough. However, if you do not know how money works, you can never have enough. Money alone will not solve anything, it will even get most people into more debt. So what is the secret to financial independence? Close the doors..

"Know what an asset is, acquire them and become rich."

That's it! Easy, huh? The trouble is that people are not properly taught how to spend their money. Many do not know the difference between an asset, something which puts money in your pocket, and a liability, something which takes money out of your pocket. Kiyosaki's main point is that the only way to become financially independent is to accumulate income generating assets which can pay for your expenses. However, many people rather buy a new car or an iPad (liabilities) instead of investing that money in stocks or real estate (assets). I recently posted an infographic which shows the difference in returns if you would have bought Apple stocks instead of one of their products.

The fear of straying from the generally accepted life path plays a big role in the financial decision making process. However, if you do not want money to control you like it does most people, then you will have to do things differently from the crowd. Investing legend John Templeton seems to agree on this point.

But you already own income generating assets, because you own a house. The best investment you can make, right? Not really. The book lists several reasons:

1. Most people work all their lives paying for a home they never own
2. Despite a tax deduction for interest on mortgage payments, all expenses are paid with after-tax dollars
3. Property taxes can suddenly be increased without notice
4. Houses do not always go up in value
5. Opportunity costs are tremendous, because when all your money is tied up in your house, there will be no money left to invest in income generating assets

 

WHY THE RICH GET RICHER

I have heard from many people around me that their expenses always seem to keep up with their income. They do not understand why they earn more than they used to but still have no money left at the end of the month. They struggle financially because when their income goes up, their expenses also go up. However, their assets do not increase, but their liabilities do! They work to make their boss rich, they work to pay government taxes, and they work for the bank to pay off their debts. Working harder means that you will have to hand over an even bigger share of your efforts to these three parties. The rich get richer because their assets generate more than enough income to cover their expenses, and part of the income is then reinvested into new assets, therefore increasing the generated income even further. On the stock market, net income which is reinvested is called retained earnings. Reinvesting income into new assets triggers the power of compounded interest, to which Einstein once famously referred as the "eighth wonder of the world".

We have been talking about income generating assets, but what falls into that category? Here is a list to give you some ideas:

1. Businesses that do not require your presence
2. Stocks
3. Bonds
4. Mutual funds
5. Income-generating real estate
6. Royalties
7. And really anything which appreciates in value over time

If you think investing is scary and just another word for gambling, then I advise you to read into the low-risk, high-return strategy used by the investment greats: value investing.

 

SUMMARY & KEY LESSONS

Now that you are aware of the fundamental problems of working for money, I will sum up a few of the key lessons from the book which can help you achieve a life where you are no longer dependent on your paycheck and social security.

1. For most people, their profession is their income. For rich people, their assets are their income.
2. If I want to buy something, I must first generate enough cash flow from my assets to cover these expenses. Buy luxuries last, not first.
3. Excess cash flow generated by my assets should be reinvested into other assets.
4. Do not simply aim for more income, aim for more assets.
5. Keep your expenses low and reduce your liabilities.
6. Create a corporation to protect your assets and reduce tax expenses. An employee earns, gets taxed, and then spends what is left. A corporation earns, spends everything it can, and then gets taxed on what is left. This is the biggest legal loophole that the rich use!
7. Know a little about a lot. Learn something about accounting, investing, markets, the law, sales, marketing, leadership, writing, speaking, and negotiating. An investment in knowledge pays the best interest.
8. Work to learn, don't work to earn. Find a job where you can learn one or more of the above mentioned skills.
9. Do not simply buy investments. First invest in learning about investing.
10. You will become what you study, so choose your study materials carefully. Find people who are the best in their field. Then study and emulate them.
11. Every rich person has lost money at some point, but many poor people have never lost a dime. Playing not to lose money means you will never make money. "Winning means being unafraid to lose."
12. Failure inspires winners and defeats losers. When something does not work out the way you planned, let it inspire you to try a different approach. Learn and move on.
13. Be in control over your emotions. Do not let fear or opinions of the general public dictate your actions. When stock prices decline, people run away. However, when the local supermarket has a sale, people buy as much as they can.
14. Most sellers ask too much. It is rare that the asking price is lower than something is worth.
15. Surround yourself with people who are smarter than you, and pay them well!
16. Saying "I can't afford it" shuts down your brain. Asking "How can I afford it?" opens up your brain and triggers your financial genius to come up with a creative solution.
17. Pay yourself first. Each month, first invest a certain amount of money into income generating assets before you pay your bills. You come up short? Use this pressure to pay to inspire you to come up with innovative ways to get enough money to pay the bills before the bill collector comes knocking at your door. This is a difficult, but very important principle. However, it does not mean you should be irresponsible. Always pay your bills. Just pay yourself first, not last. If you pay yourself last, you would feel no pressure, but you would probably not come up with new sources of income either.
18. Have a clear purpose in mind. Why do you want to earn more passive income? For me, because I do not want to work all my life. I want to have control over how I decide to spend my time. Also, I want to support my parents financially, because they have been working hard all their life and they deserve an amazing retirement. Write down yours, because it will keep you motivated.
19. Listening is more important than talking. Do not constantly argue and think with your mouth, but instead ask questions and absorb new ideas.
20. On the market: do not follow the crowd, and do not try to time the market. Profits are made when you buy, not when you sell.

 

CONCLUSION

Not everyone seems pleased with the rather blunt way Robert Kiyosaki explains these money making principles in his book, and I partially agree. However, there is much knowledge to be gained if you are able to look past that layer. If you found these lessons useful, please share this article with people that you care about, because I truly believe that applying these principles consistently can lead to tremendous results! Also, be sure to check out my other posts.


If you are interested  for a free financial coaching seminar, please fill out the Inquiry section at the right side of this blog. Thanks and God Bless

"Wealth is a person's ability to survive so many number of days forward... or if I stopped working today, how long could I survive?"

Ang pagong at ang kuneho

Magandang araw sa yo kaibigan! Nais ko simulan ang article ko sa isang old school na kwento na mula pa sa "Aesop's Fable". Panoorin   nyo ang cartoons na ito ng Disney.

 

ANG PAGONG AT ANG KUNEHO

 

Mga bata pa tayo naririnig na natin ang kwento ng pagong at kuneho na kung saan nagkaroon ng paligsahan sa pagtakbo ang dalawa. Naging kampante at mayabang ang kuneho kaya minaliit ang kakayahan ng pagong na ngaing dahilan ng kanyang pagkatalo.

 

 MGA ARAL:

"Speed is good but most of the time accuracy is better..."

 "Mas mainam pa ang lumakad nang matulin na sigurado kaysa matulin na kung matinik ay malalim."

 

"The higher you soar, the greater you fall..."

 

 

RELATE?

 

Malamang tinatanong mo "Eh ano naman kinalaman nyan sa usapang pinansyal?" Gaya ng nakikita mo sa taas, sinabi ni Robert Kiyosaki na hindi mahalaga gaano kalaki o kabilis ang kinikita mo kung hindi mo alam pano mag impok. Maaring maginhawa ang buhay ngaun pero naisip mo ba ang kinabukasan mo?  Paano kung may d inaasahang pangyayari? Secure na ba ang pamilya mo? kung nawalan ka ng trabaho o hindi mo na kayang magtrabaho? Sabi nga nila "Aanhin pa ang damo kung patay na ang kabayo"

 

Ang pagpapayaman ay hindi instant. Kung gusto mo yumaman sa isang iglap ay tumaya ka na lang sa Lotto at bumilang sa milyon milyong tao na umaasa na sila ang mabunot. Kinakailangan ng pagod, tiyaga at matinding disiplina sa pagiimpok at pagiinvest.

 

Kaya babala kaibigan wag malilito? Ang pagiinvest ay maaring may kinalaman sa negosyo pero ito ay magkaibang bagay. Parehas silang daan tungo sa pagpapayaman at parehas mo sila kailangan. 

Kung sa tingin mo ikaw ay kumikita ng mas malaki kaysa karamihan, mapalad ka, ngunit sasabihin ko sa yo kaibigan,  kung nasa ganitong sitwasyon ka, mas kinakailangan mo sabayan ito ng investment, nang sa ganun may mapuntahang mas mahalaga at mas makabuluhang bagay ang iyong pera. Na kapag sa panahon hindi mo na kayang magtrabaho para sa pera, ang pera na magtatrabaho para sayo.

 

Madalas kasi sa atin sinasabi ay ang mga sumusnod:

 

“mahirap yan”,

“saka na, di ko p namn kailangan yan”,

“busy ako”,

“wala akong time”,

“wala akong pang-invest” or “kasalanan ng gobyerno”.

 

Natural lang sa ating mga tao ang "to see is to believe." Naghahanap  muna tayo ng dahilan at resulta bago, tayo nagkakaron ng interes sa isang bagay. Ang investment ay long term. Hindi ito isang get rich quick scheme. Kung nabasa mo ang X curve concept ko na topic mas lubos mo na to mauunawaan. Sa wikang Ingles may tinatwag na "tenses" , the past , the present and the future. Matuto sa nakaraan pero wag mamuhay sa nakaraan kundi sa kasalukuyan ngunit dapat paghandaan ang kinabukasan. Mag set ng goals sa buhay, alamin ang iyong desitinasyon, at nang sa ganun makagawa ka ng plano na malinaw, simple at hindi imposible.

 

Gaya ko dati, akala ng karamihan basta may investment ka sa stocks, big time ka na.  Basta may mutual funds ka sa bangko bigtym ka na, kapag may tseke ka bigtym ka na. Pag "in" ka sa gadgets at iba iba pang lifestyle bigtym ka na. Sometimes small things make big differences. Basahin ang post ko regarding "building a solid financial foundation" pra sa karagdagang kaalaman.

 

 

Ang aming Misyon

 

Paalala lang po hindi kami salesman, hindi kami insurance company. Ang IMG po ay isang marketing company na may layunin na ikalat ang kaalamang pinansyal sa bawat pamilya at gumabay satin paano mag impok ng tama sa tulong ng mga affiliated companies na nagbibigay ng serbisyong pinansyal gaya ng healthcare, insurance, mutual funds, stock market, loans at real estate. Ang IMG po ay itinuturing kong Financial School. Sabi nga nila, kapag kalusugan sa doctor tayu na konsulta, pag sa sasakyan sa mekaniko, pero sa kaalamang pinansyal? Kanino ba tayo dapat lumapit?

 

Halimbawa ang isang ordinaryong vendor ng payong nasalubong mo sa daan, bebentahan ka nya ng payong at ipagmamalaki ganu katibay at gaano kaganda ang payong nya. Pero ang IMG po ay iba, sasabihin namin kung ano ang weather forecast today, kung maulan at handa ka then good, pero kung hindi malamang iconsider mo pag bili ng payong.

 

In short, ginagawa namin ito upang di lamang para sa sarili kundi para sa lahat ng tao lalo na ang mga mahal namin sa buhay na marealize ang kahalagahan ng kaalamang pinansyal at paano makakamit ang financial freedom. 2nd na lang po ang pagkita sa kumisyon, inulit ko po sa kumisyon, wala po kami kinikita sa pagrerecruit, walang quota. Masaya kami na makatulong sa aming kapwa, practice what we preach, kung sakaling may matutunan ka at may mabuting maidulot ang ginagawa namin sa iyong buhay, masaya di ba? Kung ayaw mo ok lang para naman sa inyo yan. Hindi ko kailangan mag malaki, mag post ng magagarang sasakyan, bahay at kung anu anu pa para hikayatin kayo at patunayan ang aming sarili. Hindi rin namin pinapangako ang mabilisang pagyaman dahil na sa iyo pa ring mga kamay ang iyong kinabukasan. 

 

"You reap what you sow" 

 

Kung nais nyo po sumali sa aming misyon, nais matuto at tumulong, mag-invest nang tama at magkaron ng magandang business, paki fill out lang po ng inquiry form sa kanang bahagi ng blog na ito.  Thanks and God Bless!! Happy investing !!!

 

 

 

 

 

 

 

Habits of the wealthiest people

Is there an easy way to be a milloinaire?

If you will ponder and think about it, many people will make over a million pesos in their lifetime. If you were to earn an average income of P25,000 a month (P300,000 a year) over 40 years (age 25-65), then you would have a total of P12 million (P300,000 x 40 years) that flew through your hands.

 

If you were like most people who love instant gratification and spend all they earn, you will end up with almost nothing after 40 years. But what if you were to just save 10% of that income every month and invest it in stocks and mutual funds that earn you a 15% return a year and let your money compound year after year? How much would you have after 40 years?

 

 

Using a financial calculator or your Microsoft Excel, you can easily compute that you would have an accumulated P123 million fund after 40 years. What? Is that true? Is it right? Is there something wrong with my calculator? No. Through the power of compounding interest as discovered by Albert Einstein which he said is the greatest invention of all time and the most powerful force in the earth, just saving P2,500 a month accumulates to over P61.5 million in 40 years. That is the power of consistent saving and investing. But now I can hear you saying, Mac, I can only save P1,000 a month or P33 a day. Fine, you will have 12.25 million in 40 years!!! Now, my question, is that your best? You spend P50 a day on your cellphone load, P100 on coffee, P50 on cigarettes and many more. Why not for your future?

 

Most people feel that they do not have enough income to invest so they procrastinate by saying, ‘I will start when I earn more.’ Trust me, this is impossible. If you cannot save ten cents out of a peso, you will not save P100,000 out of a million. If you cannot start with a small income, forget it when you have a bigger income. Money is a reflection of who you are.

 

 

Remember that if you do not start the habit of saving and investing, you will end up with a lot more expenses when you earn more. Again, we, humans, are creatures of habit. Regardless of the amount, the important thing is that you create a habit of saving and investing. As Dave Ramsey says, success in personal finance is 80% discipline and 20% knowledge.

 

Stop procrastinating. Start right away! Every day you delay is costing you hundreds of thousands of lost pesos in your future. Let’s look at the impact of postponement….

If you were to save P2,500 a month for 25 years at a 15% annual return, you will have P7.5 million in the end.

 

If you were to start just one year later and save P2,500 a month for 24 years at the same 15% return, you will end up with P6.25 million. That’s P1.25 million less. In other words, waiting one year will cost you P1.25 million in future peso. This is equivalent to losing P3,400 (P1.25 million divided by 365 days) of future wealth every single day you procrastinate! P104,000 a month! Can you afford to do that?

 

So get ready to start increasing your monthly savings right away!

 

 

 

 

Interested in free financial coaching seminars? Please fill out the Inquiry section at the right side of this blog.

Kurot o Dakot? The Chinoy Businessman Principle

Kurot Principle!

 

Ano ‘yung Kurot Principle? Ay, ang ganda nitong Kurot Principle na ito. To better understand this, I will tell you a story of a person na balak bumili ng cellphone worth P1,000. Nagkataong mayroon siyang P100,000 na savings. Puwede ba siyang bumili ng cellphone? Puwede, kasi yung P1,000, kurot lang ‘yon sa kanyang savings.

May pangalawang taong balak bumili ng cellphone. Ang bibilhin niya ay worth P1,000 din. Mayroon siyang savings sa bangko na P1,000. Bumili siya ng cellphone. Anong tawag dun? Dakot na ‘yun! Dinakot lahat ang pera niya!

May pangatlong tao, balak bumili ng cellphone, pero walang savings. P1,000 lang naman ‘yung bibilhin niya. Bumili siya. Anong tawag ‘dun? Utang na ‘yun!

Ang tanong: ano’ng prinsipyo ang ginagamit mo sa buhay mo? Kurot, dakot, o utang?
Magtataka pa ba tayo kung bakit tayo naghihirap o baon sa utang? Ang gagaling nating dumakot!

Ang gagaling nating umutang! Gusto mong yumaman? Starting today, matutong kumurot. Kapag may bibilhin, dapat kinukurot lang! Nagkakaintindihan ba tayo? Kapag ginawa mo ito, pangako, yayaman ka.

Pag-aralan nating muli ang mga pinakamayayaman sa Pilipinas, ang Chinoy. Again, bakit sila mayayaman? Ang gagaling nilang… kumurot! Tayo ang gagaling nating… dumakot! Sasampolan kita…

 

 

Pinoy vs. Chinoy Businessman

May dalawang negosyanteng nagsimula ng kanilang negosyo, isang Pinoy at isang Chinoy. Ang capital nila pareho ay P100,000.

Sa unang buwan, si Pinoy, kumita ng P10,000. Ano ang iniisip bilhin? Cellphone. Si Chinoy, kumita rin ng P10,000. Ano ang gagawin niya? Idadagdag niya sa puhunan.
So magkano na ngayon ang puhunan ni Chinoy? P110,000! Si Pinoy, P100,000 pa rin, pero may bago siyang cellphone. Ang ganda!

Ituloy natin. After a few months, maganda ang takbo ng negosyo. Si Pinoy kumita ng P50,000. Ang Pilipinong may P50,000, ano ang balak bilhin? Bibili siya ng home theater, DVD, at LCD TV! Si Chinoy, kumita rin ng P50,000. Anong gagawin niya? Idadagdag uli sa puhunan niya. Magkano na ang puhunan niya? P160,000 na!

A few months later pa, ang Pinoy kumita ng P150,000! Ang Pilipinong mayroong P150,000, ano ang balak bilhin? Second-hand na kotse o pang-downpayment sa bagong kotse. Ang Chinoy, may P150,000. Ano’ng gagawin niya? Idadagdag sa puhunan! Magkano na ang puhunan niya? P310,000!
Buwan-buwan, si Pinoy kumikita. Dagdag siya ng dagdag ng gamit. Magkano ang puhunan niya?

P100,000! Si Chinoy, buwan-buwan kumikita. Ano ang ginagawa niya? Dagdag ng dagdag sa puhunan niya. One day, Chinoy was able to save P1 million! So ginawa niya, he approached one supplier and said, “Supplier, kung bibili ako sa‘yo ng worth P1 million, bibigyan mo ba ako ng discount?” Hulaan mo kung ano ang sasabihin ng supplier. “Of course, ang dami mong bibilhin, kaya bibigyan kita ng additional 5% discount!”

Ngunit naisip ni Chinoy, “Hindi naman yata maganda na sa akin lahat ang 5%. Ang gagawin ko, bibigyan ko ang customers ko ng 3% discount at sa akin na lang ‘yung 2%.” Ibig sabihin, bababa ang presyo ng kanyang mga ibinebentang produkto.

It just so happened na magkatabi ang tindahan ni Chinoy at ni Pinoy. Pareho sila ng mga produktong ibinebenta. Given the situation, kanino kayo bibili? Kay Chinoy, because it’s cheaper.

 

Ano ang mangyayari sa negosyo ni Pinoy? Malulugi na. Kasi mas mahal ang kaniyang produkto. Ano ang gagawin niya? Ibebenta niya ‘yung kotseng nabili niya ng P150,000. Sino ang bibili? Siyempre, ang maraming pera, si Chinoy. Tatawaran pa ni Chinoy ang kotse ng P80,000. Dahil gipit na si Pinoy, kahit palugi ay ibebenta na rin niya. Si Chinoy ngayon ay nagkaroon ng kotse na murang-mura lang!

 

After a few months, mauubos din ang P80,000 ni Pinoy. Ano ang susunod na gagawin ni Pinoy? Ang home entertainment niya ay ibebenta na rin. Magkano? P20,000 na lang. Sino ang bibili? Si Chinoy.

Darating ang araw na pati ang cellphone ni Pinoy ay ibebenta na niya. Magkano niya ibebenta? P2,000 na lang! Isang araw, magsasara na ang negosyo ni Pinoy. Ano ang gagawin niya? Malamang, magtatrabaho na lang siya kay Chinoy. Ito ang kuwento ng bansang Pilipinas!

Naalala mo pa ba noong araw, mas mayayaman ang mga Pinoy kaysa sa mga Chinese. Bakit nagbago? Ano ba ang problema natin? Dakot kasi tayo ng dakot! Sila, kurot lang ng kurot!
Mayroon kaming naging participant before na nagsabi, “Sir, hindi naman totoo ‘yan! I know a Chinoy, he drives a BMW. That’s a P5 million car! Kurot ba ‘yun?” Malamang kurot ‘yun! Noong binili niya ‘yun, mayroon na siyang P100 million na savings! So kurot lang ‘yun! Nandiyan ka pa ba?

Isang Kahig, Isang Tuka

Saan ka makakakita ng mga taong isang kahig, isang tuka? Saan? Sa squatters area? Magtigil ka! Gusto mo’ng makakita ng mga taong isang kahig, isang-tuka? Sa Ortigas, sa Makati, may makikita ka.

What do I mean? Kapag hindi ka sumuweldo ng isang buwan, mabubuhay ba ang pamilya mo? Kung wala kang credit card, kung mawalan ka ng trabaho ngayon, ilang araw ang aabutin para mabuhay ng matino ang pamilya mo? Kapag nawalan ka ng suweldo, patay ka!

Ang mga Chinoy, kahit hindi muna kumita o magnegosyo, mabubuhay ng maganda. Bakit po? Kasi many years ago, kumahig sila ng kumahig at tumuka lang konti. Kaya marami sa kanila ngayon, tuka na lang ng tuka. Maraming Pinoy, kapag hindi tayo kumahig, wala tayong tutukain.

Ito ang masakit–sometimes, kahit matanda na tayo, kahig pa rin tayo ng kahig. Gaano karaming Pilipino ang 60 years old na ay trabaho pa rin ng trabaho? Puwede ba, simula ngayon, kumahig ka nang kumahig at iwasan munang tumuka. I-deprive ang sarili ng kaunti.

Ang pinakamasakit sa lahat ay ito–one day, you want to work, but you cannot work. You are already old. Why? Nagpakasasa ka kasi noong bata ka pa. Inubos mo na lahat ng lakas at kalusugan mo sa bisyo.

Tanong: Masama ba’ng bumili ng mahal?

Sagot: Hindi! Basta kinukurot lang! Kapag nakakita ka ng kasamahan mong naka-Nike shoes, huwag mong husgahan kaagad iyong tao! Malay mo, kinurot lang niya iyon.

 

 

At the end of the day, what is happening to other people is not important. What’s more important is what is happening to you.

The Bible says in 1 Thessalonians 4:11, “Make it your ambition to lead a quiet life. You should mind your own business and work with your hands, just as we told you.”

(Excerpted from Vic and Avelynn Garcia’s book entitled Kontento Ka Na Ba Sa KaPERAhan Mo?)