Last updated on May 21st, 2020
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Feel lost? Confused in your finances?
Gusto magstart mag-invest pero ZERO knowledge about investments?
You want to get the most out of your savings (being eaten by a monster called INFLATION) but don’t know where to start?
You want to grow your wealth more than what your banks can do but afraid of losing it in bad investments?
You want to stop working hard for money soon and let your money work harder for you while spending more time with your family?
You’re an employee who desires to be your own Boss, and achieve time and financial freedom?
You’re sick and tired of being sick and tired?
Well, you’re not alone.
You see, I’ve been investing in Philippines Stock Market for the past four years
When I started this blog, I only intended to make this as my online finance diary. So while making my first moves in building my financial foundation, I made sure to have records of it. I was financial literacy-poor and started even poorer back then. Now, I’m pleased to have my chunks of investments now. The journey has been good so far (Thanks to our ever-rising stock market)!
Sometimes, when I check during a random trading day, I see my investments growing much more than I’m being paid in my current employment, which could be the reason why so many are tempted to be actively managing and trading. While I sometimes entertain the same thought, I’m planning to really make my investments as passive as it can be.
I was missing something.
But when I completed the Registered Financial Planning class (on its batch 28), I learned that investment is really just a tiny component of the whole financial planning picture.
In fact, investments is one of the last things to accomplish in the world of personal finance. That there are several areas one needs to look at first before even thinking of branding yourself as an investor of giant companies. It was so imperative that I had to make sure I’m applying the sound financial principles I was learning from that day on. It’s also too critical that one mistake I might commit can erase all my investments together with all the hard work and memories in building that up.
That’s also the reason why when I organize stocks investing seminars, I intentionally add a portion about personal finance and invite great speakers to remind everyone that buying and owning stock is not really the end goal, but merely to use these investments as just one of the tools for an individual to attain his life goals. These personal goals in turn should be the ultimate reason behind all the financial planning and committed habits you’re putting in your life now.
In fact, financial planning is simply just like that – designing your financial life to achieve your life’s goals, be it education for children, house and lot, car, vacation, long-term purchases, retirement, etc.
At the end of the day, whole idea of financial planning rests on five simple steps: (1) Knowing your life goals (2) Assessing your present financial condition (3) Identifying available options/tools/alternatives and coming up with a reasonable plan (4) Executing the plan and (5) Regular monitoring and adjustments.
Now, it may seem that those are pretty obvious lessons, but the implication, if ignored, can literally turn your life upside down.
My Experience With My Tatay
Once upon a time, when I was in my third year in college, a big disaster came to my family.
My grandfather, whom I dearly call Tatay, was rushed to a hospital (Lung Center of the Philippines). His bad habit of heavy smoking during his younger years was then taking its toll on his health. Though he’s no longer taking a cigarette stick, it was already too late for him.
Since he’s also no regular source of income aside from his tiny pension from SSS, our family who was living with him had to do the taking care. That meant taking time to look after him while he’s confined and finding ways to finance the hospitalization.
You see my family was not prepared for that.
I think we were never ready.
My mother had to extend her neck out to find ways to shoulder the expenses looming every single day. She went to every person she could ask assistance from, to PCSO, to offices of our city mayor, district congressman, councilor, down to our barangay officials. I guess when you’re really in a very desperate situation, no one can stop you in extending the life of a person you love.
I couldn’t exactly explain how I felt that time.
I was only a student facing such a real challenge for the first time. Somehow a feeling of helplessness and hopelessness occupied me. Helplessness because I couldn’t help in finding ways to cover the bills; hopelessness because I saw my Tatay getting weaker each day.
When I saw a rubber tube pierced to his body with the other end connected to a collecting bottle, I knew it’s never going to be back to normal.
Time came when he was needed to be moved to ICU. Few days later, he’s back to the “normal room”. Few more days after, the doctor gave advice that he could be brought home. He was in the hospital for more than a month.
But before leaving the hospital, we deeply felt that the head of our household wanted to stay longer in the hospital so he could be taken care better, but knowing the burden of that extension, we felt too that he had just kept that thought in himself.
When we went home, good things lasted only very shortly, as some had expected…
He was my first fan.
He once mentioned before that his only dream was to see me graduating in college. It’s already big for him considering that he had only finished until Grade 2.
Sadly, heaven didn’t grant his wish. At a young age of 68 years old, my first avid fan left us. It was also my very first time to have a taste of the reality of death of someone who’s been a big part of your life. His dream for me came true only two long years later, which I offered to him with my prayers.
This is not just my story
That story is just one of the real stories highlighting the fact that many patients are dying not because there’s no medicine or doctors to attend to them, but because there’s no money to pay for doctors and medication.
The two questions we all need to answer
Recently, I availed this financial product (from IMG) that I believe addresses this concern.
It takes care about the three major financial needs of anyone – healthcare, insurance and investment. It’s a three-in-one package that can contribute to one’s financial foundation.
You see there are two major problems when it comes to money (I got this from Bo Sanchez’ book): (1) you can die too young or (2) live too long
That’s just another way of saying what many financial planners suggest: the first goal anyone should have is to be safe; then the goal of a comfortable life comes second.
The first goal – to be safe – sounds very simple, yet very few are aware of its utmost significance. The second – to be comfortable – is something that everyone looks forward to in our golden years.
Now you see how this product can work for you: the Insurance component can give peace and protection to your family in case the first unfortunate case happens whereas the long-term healthcare and investment parts are there in case you live too long to provide for your healthcare needs and at the same time generate a passive income to sustain your lifestyle in your retirement stage. The key is to do these preparation as early as you can. You need to make sure and make step that your resources will outlive you. Couple this with building multiple income streams and it will be very difficult for you not to have a secure financial future.
As what I’ve learned, the goal is to be self-insured. We want our money to grow year after year to a point where we no longer need insurance. But at the stage of our wealth-building process when we cannot do that, we use the power of insurance+healthcare + investment rolled into one financial product.
(In case you also want to check that type of investment, I can ask my friend-agent to do a free financial check up for you and see how the product can specifically address your needs or of your relatives’. As each person has different situation and personal needs, it’s important that a closer look has to be done first to check and suit your specific situation better. You can send email (email@example.com) if you need more information on this or if you have any other related question.)
Don’t just get financial products, aim for financial education
But more important than buying financial products is being financially educated to make informed financial decisions. While we’re now in the 21st century, the solid financial principles remain the same. You do not want to lose your hard-earned money because of haste decisions with wrong foundation principles.
Aim to have a great financial foundation.
Attend this life-changing Wealth Academy – Practical Money Management seminar and avoid the costly mistakes A LOT of people do in their journey to financial freedom.
Here, you’ll learn practical topics like[ezcol_1half]
Practical Money Management Strategies
- The Six Steps to Financial Freedom
- How to Prepare for your Financial Future
- How to Build and Grow your Wealth
- The Enemies and Allies of Wealth
- How Money Works
- Investment Strategies
- and a whole lot more!
Financial Planning and Goal Setting
- The Phases of Financial Life
- Strategies to Achieve your Financial Goals
- How to Increase Your Cashflow
- How to Create the Financial Future you want
- How to become your own financial Advisor
Other specialized topics (discussed in higher learning include)[ezcol_1half]
- Principles of Investment
- Destroying the Debt Trap
- How to have the Winning Mindset
- Estate Planning and Wealth Preservation
- Health Planning
- The Spiritual Side of Money
At the end of the seminar, you’ll also get to know the first steps how you can start building your strong financial education! Be mentored too by Lyndon Malanog, Financial Coach of Bo Sanchez Inc and Truly Rich Club.
Are the seminars really free?
The Practical Money Management Strategies& Financial Planning and Goal Settings seminars are totally free to the public and open to everyone (with totally no obligation). I strongly suggest that you bring your friends so they also get the chance to learn. That way, you can exchange notes after and discuss even more. This is also ideal for couples so bring your spouse if you can.
Other higher series trainings are also free but are open to IMG members only. You can learn more how you can become one after attending the free seminars above as your first step.
If you’re interested to attend, you can just sign-up in the form below and you’ll receive right away the next steps for this.
Details about this seminar
[ezcol_1half]These seminars typically lasts for two hours regularly held in key cities both inside and outside the Philippines. In case your location is not in the mentioned locations, you can still sign-up so you’d be informed of possible schedules in your place.
Again, note that attending this seminar has totally no obligation. While IMG has diverse investment instrument options that it can offer, there won’t be any hard-selling of any of these products when you attend. They understand that you’re there to help yourself become financially educated and not to buy from them outright.[/ezcol_1half] [ezcol_1quarter]Philippines
- Makati City
- Cebu City
- Davao City
- General Santos City
- Tacloban City
- Cagayan de Oro City
- Tacloban City
What do you expect after attending the seminar?
Expect to be able to come up with your personal financial strategy so you know what you need to plan for you to achieve your financial goals.
There are really good topics you’ll also learn that constitute the basics in personal finance like how money works and how you can make it work for you, the importance of multiple income streams, avoiding common financial mistakes many people make, and more importantly, how you can really begin overhauling your financial life.
Hopefully, this seminar will also kick-off your journey to learning more on this big world of financial planning. If you’re interested to attend, you can just sign-up below.
BONUS PERSONAL COACHING (if you’re lucky)
I strongly suggest that you look for my mentor Sir Lyndon (or his wife Chona) right after the seminar so you can have personal coaching with him and raise your follow-up questions if you have any. Sir Lyndon is one of my great mentors (and of Bo Sanchez too), I’m 101% sure you’ll learn a lot from him.
Here’s some unsolicited feedback I got with others’ experience. This chance alone will your time attending worth it.
If you have other questions, you can also email me at firstname.lastname@example.org or use my contact form.
See you there!
Have fun investing (with consistent learning)!
– oMeng Tawid
PS: One last note, Bro Bo Sanchez, (the mentor of my mentor) also once started with this seminar. Belowis what he says about this seminar:
“I recommend that you attend these meetings and seminars because you will learn how to grow your finances, how to become financially free, and how to solve your financial problems. You’ll learn it step by step, and so much more.” – Bro Bo Sanchez
So if you’re ready to change your financial life for the better and finally fulfill the dreams you have for yourself and your family, you can just sign-up in the form above and you’ll receive right away the next steps for this.
Not everybody’s going to be an entrepreneur, but everybody should be financially literate. Financial literacy is a base requirement like spelling or reading or something of the sort that everybody should acquire at any early age. The financial habits you develop when you are young are going to go with you into your adulthood. But you can’t be an entrepreneur unless you’re financially literate. – Warren Buffett