FINANCIAL SOLUTION

There are too many things that where not though in schools that are very neccessary to be successful.
Share your time with us and we will make you see how things are working to meet our goals

Be a part of the Company to Start your Business Venture towards FINANCIAL INDEPENDENCE

IMG- is an Independent Marketing Company whose associates,
through its affiliated companies,
offers a broad array of financial services and products.

VISION: TO BUILD AND PROVIDE THE BEST BUSINESS OPPORTUNITY IN THE WORLD

MISSION: TO MAKE A DIFFERENCE FOR FAMILIES


OUR PLAN is to revolutionize the financial services industry by bringing a fresh, new approach to empower the world on how money works.

Help people who desire to help themselves
bring life changing financial concepts and solutions to middle income individuals and families who are overlooked by the financial services industry.

-YOU can help make a difference for families by showing them a new path towards achieving their financial goals.


Start by Learning. Invest your time on us
Attend free seminars( click on FINANCIAL AWARENESS SEMINARS)

You'll probably find its revolutionized approach over the financial market and JOIN
be an Broker of your own Investment. Learn how to fish, share the knowledge.

OWN the Financial Products and Support,
be Insured,Protected and Invest
Practice what we have learned

SHARE- Apply the things that we are learned, and share to spread the knowledge.


For Interested People Check my Contact Information
(click on My Contact Details)

Elimininate Unneccesary Expenses,Small Beginnings makes Big Changes

The Table above Shows how are unneccessary expenses affect our Savings.
If we could only eliminate this things and start investing it. You would see how fortunate you are.

Effects of Tax and Inflation

The table above shows how are money invested in lower than the Inflation looses its worth as time goes by.
We should Beat the Inflation. Look for investments which offers higher gain than loosing its worth.
Both of the Investors Left and Right invested 100,000 in different portfolios.
Left at 4% per annum,which was left and Right at 8% per annum which did the right thing.

Let us start discussing the Left's Investment portfolio.

His 100,000 gained 4,000 of interest, making his money 104,000. The government charged 20% of the interest earned so the total interest was deducted with 800 making his total money 103,200. The average
inflation rate of Philippines is 6% annum making the worth of 100,000 drop by 6,000 of its worth.
so the total worth of his money would be 97,200 only...though its real amount is 103,200.
Now let us discuss how Right Side's Investment Portfolio
His 100,000 gained 8,000 of interest, making his money 108,000. The government charged 20% of the interest earned so the total interest was deducted with 1,600 making his total money 106,400. The average
inflation rate of Philippines is 6% annum making the worth of 100,000 drop by 6,000 of its worth.
so the total worth of his money would be 100,400 only...though its real amount is 106,400.

Money's worth is it's buying capacity. The money increase its value but as time goes buy, things are getiing moreexpensive so you can't buy rice @P18.00 per kilo today because lowest price of rice today is at P28.00 per kilo. Your 100,000 today is not as big as 100,00 before.

The amount  may be bigger but its not the basis of its worth. 

Financial Strategy

Being Successful is not a magic. At work we are anylzing things,and generate plans to accomplish our goals especially if there are obstacles that we could be facing in order to achieve our goal.
In life,what are the obstacles that we could be facing in order to be successful?
We should also have a plan to eliminate and risk and continue our goal.
Below is the step by step advice to be successful in the Financial aspect of our life.

1st- INCREASE CASH FLOW
Is your Income enough to fund your goals?
Could you afford to Save? or your salary is roughly enough for your expenses only?
Manage your Time- Earn More- you could earn from your spare time.
Manage your Cashflow- Reduce Expenses eliminate unneccessary expenses,being simple is enough

2nd - MANAGE DEBT
 create  a strategy on eliminating debts,plan how long you will be paying it and how much they earn from you

3rd CREATE EMERGENCY FUND

Be prepared for emergency expenses
this should be atleast 3x of your monthly income

4th - ENSURE PROPER PROTECTION

protect your family
protect your income
cover yourself and your family with good healthcare program

5th - BUILD LONG TERM ASSET ACCUMULATION

plan for your future expenses where in you could not be earning thru working anymore
learn the goals of your Investment and be disciplined to used it accordingly
learn where to invest ( study and have a strategy)

6th - PRESERVE YOUR ESTATE

make sure your descendant inherit your wealth your asset, not the government


 

The Rat Race

A rat in its cage has a wheel where in it continuously run but remains in it's location.
The rat is doing this thing to have fun and have an excercise,but as the rat becomes tired,
its energy drops and stops running.
Do you know that most of us could be compared to this running rat?
How?
The running rat is just like we as we work.
We work everyday to have our budget to spend in our expenses.
The continuously running rat is pertained to us which is continuously working.
Continuously working but not moving forward.
But as we grow old and tired,we could not work as hard as we do to earn.
earning for our expenses is just like the mouse' goal to keep the wheel running.
We are earning to sustain life, our neccessities.
The rat has a choice not to run in the wheel..
but we don't have choice to stop the wheel, for stopping it costs our life.
What should we do?
Find a way to keep it running through having other sources of income.
Income that would sustain our life in our most crucial time.

PASSIVE INCOME

"The size of your PASSIVE INCOME will determine your financial success or failure"

The statement above simply says that you could determine a successful man through his Passive Income.
A passive income could replace Active Income depending on the people's need.
On my previous post, I only mentioned 3 of known Passive Incomes. In today's
market there are two new Passive Income Sources that grows faster and booming.
These are MLM and Internet Marketing. 
MLM -Multi Level Marketing - this is also known as Networking.
This business boomed because of its strategic commisioning of cash flow
and advertising of product. Its marketing Strategy is remarkable because it
eliminated expensive Advertising through TV,radio and newspaper but intead
the advertisement and promotion is done through people and packaged with high
return as product sales grow bigger and bigger. This option also offers better compensation
than having a regular job. Income increses Exponentially in this business, meaning your commission
doubles as your sales or group grows bigger. unlike in having job,your salary increases in linear
wherein the company just adds a percentage of your salary but they won't multiply it. 
Today there are plenty of MLM so we have wider choice on which Company we would join.
For me my basis is unique product and unique strategy, for most of the existing MLM are beauty and healthcare product which are expensive due to its overhead expenses. The very well known MLM in Philippines are Avon, Natasha, and many more.

Internet Marketing  also boomed because of the technology it offers and easy to access. In here you would be earning just like how your favorite TV Channels earn in advertisement that they show. Since most of the people around the world frequently access their Email addresses, their social networks and many other Internet related activities. Internet is a world, a market. Some do the business by Buying and Selling of products. Some are by Blogging their insights( just like this), and by Writing Articles.


if you have questions click on my contact details. 

Multiple Income to Increase Cash Flow

Having a job is a basic start to have income. This jobs could be small time or big time but whatever it is,atleast you have an income to spend for your neccessities.
Second option for typical Filipino to earn is through Small Business, buy and sell or services. Everybody dreams of having their own business,but can't dream it to be as big as ever.We are contented of having it as a small one only enough for our everyday's spenditure.
These two Incomes are categorized as an Active income where in it needs 100% of our Time and Effort

But aside from this two Income Sources which you could be doing in the same time.There are many other sources of income which is categorized as Passive Income. This income earns even you are not there to work for it. This incomes keeps coming even without doing anything. Sounds impossible but true. Example of this income are our investments. This income requires only our resources. These are income generating Assets. Some more examples are Income from royalty, interest of our investments and rental income.

The table below shows the difference of Active and Passive Income.

"The size of your PASSIVE INCOME will determine your financial success or failure"

Earn from Your Investments

First what are Investments?
Investments are products that was bought for long term goal,asset accumulation.
Example of Investments are:

Bank Accounts(Time Deposit)

Treasury Bills

Bonds

Mutual Funds

Real Estate

Business

and many other more.
Being an investor is Great,
But you know what? Somebody earns out of our investments.
It is the investment company and the broker or agent who manage your investment.
In every Money Spend,somebody would Earn.
You have the power to earn from your own money.Be the Agent of your own Investment.
You receive the Commission, you receive the incentive, you receive the dividend.
Reinvest your earnings then until the dividends can be invested at all.

Are you Prepared for an Emergency?

Again at Work we use to have Emergency Procedures. We are having a plan to follow and comply for us to be prepared in facing various emergencies. Fire Drill for fire occurence, Earthquake drill for earth quake and many more drills for various calamities that might occur. But the Question is,
Are you Prepared for your Life's Emergencies?
We are not conducting or planning ahead of possible emergencies that we might encounter since we are not planning to have an accident, have an illness or lost our job.
Accident Insurance shoulders disability and other expenses that would be incurred after an accident.
Healthcare shoulders expenses that are done within the hospital and medication that we consume. Depending on the limitations and coverage.
But is there an Lost of Job Insurance?
Of course none, if there is...then everybody would be willing enough to let go of their job.
Basically it is your personal responsibility to be prepared in cases where in you could be fired from your current job.
So how are we after that?

Walking around looking for another job?

Spending all our so called Savings. Until it is depleted.

Lucky if we are given allowance after being fire. Worst case is you won't be receiving your last pay as a sunction or clearance as well.
It's another issue to be prepared with,we must have an emergency fund.
How much our Emergency Fund should be?
Three times our Monthly Income. why, in loss of job emergency. We are then our self time span of 3 months to look for another job or business if you could.
We are then freeing ourselves from having the dillema of  lossing our income.
We could still supply the family's neccessary needs.

My Contact Details

For inquiries, contact:

Juan Carlos C. Pineda

Trainer/ Associate Financial Planner (AFP^TM)
+639183405306
+639351813279

  img.makati@yahoo.com

www.learn-earn-and-save.blogspot.com

How sure are you with your Insurance?

Most of Employed people are given the compensation  for Accident Insurance by their respective companies.
It is good that you have one,but the question is for How Long you are covered by your Accident Insurance?
You are only covered while you are still healthy and serving your company. The company provides
this compensation for them to maximise your existence and secure their business.
Is it fair or not?

How about when you die because of Illness?

Take note that most of the companies issues Accident Insurance instead of Life Insurance.
You are only covered when something unexpected happens to you and only if you are within company premises...
Life Insurance covers all of death issues except Self Inflicted Ones(Suicide) regardless of the place and time you die.
How about when you grow older? 
when we're old complications are starting to manifest.it's the chronic results of aging. Death would be nearly knocking at your door.
Would you still be that healthy?   
Of course not, your not Benjamin Button who grows younger and younger
Or it is the time where you need your Insurance the most? 
Probably yes, cause by these time you would gonna be spending most of your hard earned and saved assets
just to treat the complications you would be expiriencing.
Would you get an Insurance of your own by that time? 
I bet you won't cause its too late and too expensive by that time.
How much could it be by that time then?
Consider your Age and the Inflation Rate.if a healthcare today would cause 20k annual..
given the implation rate.... the longer time you waste the higher opportunity you lost.. It looks expensive today but most probably it won't drop its price tommorow..
So having one won't save you, owning one would do.
Today is the right time for you to invest in Long Term Healthcare.
same thing for those who are not provided by your employer.
Free yourself from future problems, protect neccessary things.
Plan ahead of time. Planning is not just done in Management of 
Business You should Mind your Own Business too.
MIND YOUR LIFE
 

How sure are you with your Healthcare?

Most of Employed people are given the compensation  for healthcare by their respective companies.
It is good that you have one,but the question is for How Long you are covered by your healthcare?
You are only covered while you are still healthy and serving your company? The company provides
this compensation for them to maximise your existence and secure their business?
Is it fair or not?
How about when you grow older? 
when we're old complications are starting to manifest.it's the chronic results of aging
Would you still be that healthy?   
Of course not, your not Benjamin Button who grows younger and younger
Or it is the time where you need yourhealthcare the most? 
Probably yes, cause by these time you would gonna be spending most of your hard earned and saved assets
just to treat the complications you would be expiriencing.
Would you get a Healthcare of your own by that time? 
I bet you won't cause its too late and too expensive by that time.
How much could it be by that time then?
Consider your Age and the Inflation Rate.if a healthcare today would cause 20k annual..
given the implation rate.... the longer time you waste the higher opportunity you lost.. It looks expensive today but most probably it won't drop its price tommorow..
So having one won't save you, owning one would do.
Today is the right time for you to invest in Long Term Healthcare.
same thing for those who are not provided by your employer.
Free yourself from future problems, protect neccessary things. 
 

SCHEDULE OF FREE SEMINARS

MONDAY

2PM- SERIES 1
4PM- SERIES 2
7PM- SERIES 1
           SERIES 2
           SERIES 3
           OTHER HIGHER SERIES

WEDNESDAY

2PM- SERIES 1
4PM- SERIES 2
7PM- SERIES 1
           SERIES 2
           SERIES 3
           OTHER HIGHER SERIES

SATURDAY

8AM FINANCIAL PRODUCTS KNOWLEDGE
           - LIFE INSURANCE (COCOLIFE,MAA,UCPB,MALAYAN)
           - HEALTHCARE (COCOLIFE,KAISER, MEDICARE)







1PM- SERIES 4
2PM- SERIES 1
          GENERAL TRAINING FOR FINANCIAL PLANNING

 For inquiries, contact:

Juan Carlos C. Pineda

Trainer/ Associate Financial Planner (AFP^TM)

09351813279/09183405306

  img.makati@yahoo.com

www.learn-earn-and-save.blogspot.com

We have offices at:

Makati

3rd Floor King’s Court 1 Building
Pasong Tamo cor Dela Rosa St
Makati City

Iloilo

I.M.G-ILOILO WEALTH MANAGEMENT ACADEMY
Room 4, 3rd flr., No. 144 Iloilo Asian Lumber Bldg.
M.H. Del Pilar St., Molo, Iloilo City
5000 Philippines

Cebu

6th Floor Ayala FGU Business Center
Cebu Business Park
Cebu City

Davao

5th Floor LANDCO-PDCP Corporate Center
Bajada
Davao City

Iligan 
2nd Floor Preface Building (2nd Floor of Aruma Cafe, back of Po Video)
De Leon cor Burgos St
Iligan City

Cagayan de Oro

Ground Floor, Door #2, Malayan Building,
Velez St
Cagayan de Oro City

Palawan

Puerto Princesa, Palawan
Unit E One Wescom Plaza,Wescom Road,
Puerto Princesa City 5300

Hong Kong

2nd Floor New York House
#60 Connaught Road, Central
Hong Kong


 Disclaimer: One of the good things about The Wealth Academy Lectures is that it is FREE OF CHARGE.
Anyone asking for a fee is NOT CONNECTED with IMG-Wealth Academy.

How Much Insurance is Neccessary?

Basically Life Insurance is for your Comfort but not for your own Sake.
Your Life Insurance is for the Loveones that would be recieving your investment
the moment you passed away.There are too many choices if you are about to insure yourself or your family.
Life Insuraqnce Insurance Company
Price of Insurance
Type of Insurance
and many other factors

The most important thing to know is how much should I insure myself.
as Adviced, our Insurance should be 10X of our Annual Income
Why 10x?
It Simply Means your family could live 10years with out thinking of their finances.
That is if they would recieve the Insured Money Monthly.
It would just Simply Cover your absence in Giving them your Salary when your are still alive.
Knock on Wood, its logical isn't it?

Type of Insurances and How it worksCould be Learned through the free Seminars held in Makati.
Do the First Step. Invest your Time Learning

Financial Security

What if you would die today?
Have you written a plan for your death?
I guess not.
why?
how sure are you that you are exempted to die anytime?
I am not afraid of dying Anytime.
I am Secured, I love My Family.
If ever I would die they won't be given so much burden
except the emotional Issue.
What's my Point.
if you are the only head of the Family,
Then your Family completely depends on you.
Don't make them too dependent especially if your not yet secured.

Insurance takes yourResponsibility Once you passed away.

Insurance is the second step in Financial Independence:

It puts away the fear of leaving your family more burden in a worst case scernario.

You Work for the Money

Having a Job Is not Secured

No matter how high your Salary would be.
Your still Not secured.
Why. because you are just working to earn.
If you don't work, you won't Earn.
Or worst case, if the only Head of the Family Dies.
There would be No money to supply the
 neccessities needed by the family left.

Is the family left capable of living on their own?

Worst cases should be planned to be prepared
of whatever could happen.
Loking forward and mitigating the risk is
a Safety Officer's Role. You are the Safety Officer
of your own Company, Your Family.

Start Learning Invest your Time

The Wealth Academy will teach, guide and mentor you on areas of personal financial management not only to create wealth but also protect it. We believe that the average person, even the poor, has an equal chance to become wealthy if given the right information. No matter who you are or what your financial status is, we will help you achieve a better financial future. 
Times are uncertain. Prices of commodities are consistently rising. Oil prices and inflation rate are on nose bleed levels. Cost of education doubles in just a few years. Prices of medicine and hospital bills continue to soar. People are drowning in debt. While job security remains to be a myth. The rich may be getting richer but more poor people are also getting poorer while the middle class are joining the ranks of the poor. 
So the longer time we waste. Longer time we're only dreaming to be rich.

FINANCIAL AWARENESS SEMINARS

 Initial Strategy would be Learning

There is more in Learning, Knowing to do the Rigth Thing

Learn at The WEALTH ACADEMY Series.

Series 1	Financial Solutions Today The Six (6) Steps to Financial Independence How Money Works The Wealth Formula How to Build a Solid Financial Foundation
Series 2	Finance & Investment 101 Different Investment Vehicles & Strategies How to Bypass the Middleman &       Become Your Own Financial Adviser/ Broker Mutual Funds, Diversification,         Money Cost Averaging, etc
Series 3	Creating Multiple Income Streams The Different Sources of Passive Income How to Create Passive Income Streams New Concepts in Making Good Money
Series 4-12	A Comprehensive Approach to Personal and Financial Success!

 For inquiries, contact:

Juan Carlos C. Pineda

Trainer/ Associate Financial Planner (AFP^TM)

09054544061/09183405306

  img.makati@yahoo.com

www.learn-earn-and-save.blogspot.com


check your availability to attend this free seminars at SCHEDULE OF FREE SEMINARS

We have offices at:

Makati

3rd Floor King’s Court 1 Building
Pasong Tamo cor Dela Rosa St
Makati City

Iloilo

I.M.G-ILOILO WEALTH MANAGEMENT ACADEMY
Room 4, 3rd flr., No. 144 Iloilo Asian Lumber Bldg.
M.H. Del Pilar St., Molo, Iloilo City
5000 Philippines

Cebu

6th Floor Ayala FGU Business Center
Cebu Business Park
Cebu City

Davao

5th Floor LANDCO-PDCP Corporate Center
Bajada
Davao City

Iligan 
2nd Floor Preface Building (2nd Floor of Aruma Cafe, back of Po Video)
De Leon cor Burgos St
Iligan City

Cagayan de Oro

Ground Floor, Door #2, Malayan Building,
Velez St
Cagayan de Oro City

Palawan

Puerto Princesa, Palawan
Unit E One Wescom Plaza,Wescom Road,
Puerto Princesa City 5300

Hong Kong

2nd Floor New York House
#60 Connaught Road, Central
Hong Kong


 Disclaimer: One of the good things about The Wealth Academy Lectures is that it is FREE OF CHARGE.
Anyone asking for a fee is NOT CONNECTED with IMG-Wealth Academy.

You are Wealthy

Your TIME should be maximized for you to feel you are wealthier than before. Manage it Don't be lame spending too much rest, too much self gratification. Maximise your resources look for great deals, read good books, invest wisely ,invest on yourself.

Maximizing Resources: Examples of resources would be:

-People Around You

--Love ones, relatives, friends, Colleagues, anyone

-Things Around You ( which could give you Information)

--Internet, newspaper and books

And many more like Seminars, Trainings and Symposium

Look for Great Deals

Business Opportunities

Multi Level Marketings

Mutual Funds

Healthcare Plans

Insurance

Real Estate

Wholesale Items

Foreclosed properties

Treasury Bills

Stocks

Bonds

Assets in short

Good Books:

Rich dad, Poor dad (by Robert Kiyosaki)

Make your Money Work for YOU : Pera Palaguin (by F. Colayco)

How to Become truly reach( by Bo Sanchez)

Additional Info:

My Financial Group Offers free seminar regarding Financial Literacy

 

Manage Yourself

The way we spend our Wealth reflect on how successful we are someday.
So do you want to be Successful? Who the hell doesn't want to be One.
The question is What Wealth do I have?
First, TIME
Second Money
Time is the most precious wealth that everyone of us have. The earlier we
use it wisely the greater the success we could achieve. Time is also our ally
in Building all the other Wealths. So now how do you use the
Spiritual Wealth
Social Wealth
and Financial Wealth.
  So now how do you use your most precious time? It is good that we are looking for
a job for us to earn.A job which normally consumes most of our time. Worst in it we almost
don't have time for a talk with our family, for attending Mass and gathering with friends and relative.
Why because we have the mindset that we could earn more if we would render overtime.
Is our overtime pay enough to loose our precious time having recreational activities with the people
around us. I bet no. Do you know that part time job gives the best compensation for our efforts?
At work if you impressed your boss, your boss won't give you tip because he is just an employee like you.
Unlike those who are working in restaurants where in galant costumers gives high tip. Imagine a thousand of peso for just a good service. Lets not say a thousand, a hundred could be a little possible. And being a good servant, within the whole day not only one but ten costumers are willing to give you a good tip.
That's just the big difference, I'm not advicing you to be a waiter. Because it's the way he does the work that gives him high compensation. Not from his company but from his costumer.
Now where else could earn higher??

What is Earning for?

Earning is Acquisition of Wealth.
It is either huge or small. But whats important in here
is we acquire money. Money which therefore used to
buy commodities that is classiffied as desire or neccessity.
Asset or Liability.
But of Course our priority number 1 is for our Neccessities or Responsibities.
What are these Commodities.
Food
health Supplements or medicine
Education
Shelter
Clothes
-these are the things that can't be neglected or set aside since it's neccessary for us in order to live.
So then WE ARE EARNING TO LIVE
How about the desires then and assets?
The question is could you afford loosing your NECCESSITIES..

Learn to Earn

We used to study in school for us to learn neccessary things of life that would help us grab higher level of knowledge which is acquired when we are going to college or technical schools.
Most of us were told by our guardians to STUDY HARD FOR US TO HAVE A SECURED JOB.
But is having a job a sign of security?                                     I say No.
Is having a Job Permanent?                                                   I say No.
So what we are bound to do in going to school?

We are Learning then to have a the skills to EARN. 

Life

As we grow old we are facing continuous learning process.
But not every thing that we learn would make us successfull
worst case, most of it would make us down. Make us Ill and
hopeless. But then not all of us would be down if we can filter
things so that we could only acquire key lessons to succeed.
Today I'm gong to unleash my knowledge regarding matters like this.
Sharing the Secrets that I have learned in various Seminars that I have
attended, the knowledge that was imparted by me by the books and person
I have encountered.

Learn

Learning is the Process of knowing new things to us or making us aware of the things around us.
At our infant stage where in we are innocent of all the things, we are fed with the thought of our parent
and every people who used to guide us. With them, we knew that by crying we could make them give
us thing s that we need. And by crying out a little louder,w could make them hurry to give us our needs.
But as we grow older we our further trained by our guardians to live life on our own.We learn as we grow
that acquisition of our needs could not be done by just crying anymore. As we grow our desires become greater and more difficult to achieve until we end up with just wishing and crying again. Crying but no one would give us
those desire, none the less we would strive to achieve it.