Small Changes BIG Money

SMALL CHANGES, BIG MONEY

What if you can make small changes in your spending habits and start saving P17 peso a day or 500 peso per month? 

Can you cut down on the following to save 17 peso a day? like Sodas, Cigarettes, lattes, cable TV, Games, Bottled Water, Sweet, New Gadget, Shopping, Driving a Big Car, Eating out, Partying...

Discipline and Consistency are the keys.

THE EFFECT OF TAXES AND INFLATION ON YOUR PURCHASING POWER:

Assumes 20% withholding tax. The rates of return chosen are for illustrative purpose only, and do not reflect the actual investment in any product. Nor should it be viewed as an indication of performance for any particular investment. They do not reflect the performance risks, expenses or changes associated with any actual investment. Tax and / or legal advice not offered by International Marketing Group or any of its affiliated companies. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.  

Are you winning or losing in the money game? 

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The Secret to Saving and Building Your Future

The Secret to SAVING & BUILDING Your Future

Become Your Own Financial Educator

Foreword

      Does money control you? Or do you control money? Every day people go to work to make a living, but no matter how hard we work and how much we earn, money always seems to control us.

        So many people are in debt. In rich and in poor countries, debt has become a way of life for many people throughout the world. We don't have much, and we don't know much. Nobody teaches us how to manage our money in school.

          Financial issues are not often discussed, and financial products not always explained. Even though the financial industry is one of the largest industries in the world, and even though we are flooded with financial news and websites, financial literacy is as confusing as ever.

          Most people have trouble balancing their budget or reading a financial statement. We use credit cards and don't always understand all the hidden charges. We want to have good health care and save for our retirement, but many of us do not have a plan.

          We need to change, but we need understanding first. This book is helpful for people who want to move from financial insecurity to financial security. It is the first step toward a better financial future and possibly becoming financially independent. 

          By becoming your own money manager, you'll discover that it's doable to understand, plan, and build a financial foundation for your family.

          You can do it. You can control your future. 

                                                                                            - Xuan Nguyen

                                                                                  World System Builder

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(Note: limited offer only)

          

Finance and Wealth Management

LEgal help desk episode 106: Wealth managemment
Published on Dec 15, 2014In this episode, Attorney Karen Jimeno and Attorney Rod Nepomuceno will discuss your legal rights on wealth management with Dr. Jaime Lorenzo, executive vice chairman of International Marketing Group (IMG) and Fitz Villafuerte, registered financial planner.

Gain expert tips and advice on how to manage your finances by investing in the right stocks. Learn how to keep your debts in check and know which wealth management companies and managers are right for you.

Step 1 Increase Cash Flow

INCREASE CASH FLOW

The first step in developing your personal financial strategy is to look at your cash flow.

 Does your current income exceed your expenses?

 If not, you need to right the ship, or you’ll soon find the dreams off course.

Is your Money COMING OR GOING?

Monthly Cash Flow: your INCOME J

-First income (net take home)

-Second Income (net take home)

-Dividends, Interest and Capital Gains

-Annuities, Pensions and Social Security

-Other

-SUBTOTAL Income

Minus Monthly Expenses

-Fixed costs

-Mortgage/Rent

-Property Taxes

-Associations / Homeowner’

-Utilities

-Cable / Satellite

-Telephone

-Car Payment

-Insurance Premiums

>car, life, health

Loan’s Credit Card: Master Card, Visa and others

If your monthly expenses meet or exceed your monthly income, you could be seriously jeopardizing your financial well-being. You need to identify ways to earn additional income and manage expenses.

Manage Expenses and Increase Your Income

-Strive to spend less than you earn.

-Create a budget.

>weigh your monthly expenses as wants vs. needs.

-Take on a second career or part-time opportunity.