Grow your money! Plant Early!

Ano ang mararating ng PhP 20,000 mo?

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Kung sa nakaraan walang nangyari sa 13th at 14th month pay mo, maaring may magawa ka ngayong taon.

Halimbawa, naitanong mo na ba kung ano ang mararating ng ₱20,000 mo?

Sa isang ₱20k, maaari kang bumili ng tatlo hanggang apat na taon na life insurance na P1m pesos kung age 35 and below ka. Kung kunin ka ni Lord ng maaga, ang mga mahal mo sa buhay ay makakakuha ng ₱1 milyon para kapalit ng kita mo.

Sa isang ₱20k, maaari kang magsimula ng iyong long term healthcare, at mag-bayad ng semi-annual premium (o premium para sa kalahating taon). May sukli pa na pang open ng mutual fund investment account.

Sa isang ₱20k, maaari ka ring mag-invest sa equity mutual funds, na may compounded annual growth rate na 12%. Sa ganitong assumption, ito ay magiging:

  • ₱40k after 6 years
  • ₱80k after 12 years
  • ₱160k after 18 years
  • ₱320k after 24 years
  • ₱640k after 30 years
  • ₱1,280,000 after 36 years
  • ₱2,560,000 after 42 years

Isang ₱20,000 lang iyan!

Kung ₱20k/year for 5 years, starting at age 30
Maaring makakuha ka ng life insurance na ₱1 milyon hanggang 65 years old ka.
Maaring may mutual fund ka na worth ₱2.4 million kapag 60 years old ka na.

Kung ₱20k/year for 30 years:
Maaring kang mag-Buy Term-Invest-the-Difference strategy, combining term insurance and mutual fund investing at 12% CAGR, para insured ka ng worth ₱1 million hanggang age 60 AT may investment na worth ₱2.5 million pag 60 ka na, o ₱4 million kapag 65 ka na!

The earlier you start, the better!

Paano ba makapagsimula?
Maari tayong magusap sa Facebook sa Ask the Money Coach

Usap lang tayo.

Bobet
The Money Coach

Find treasures in simple financial solutions!

Protect Your Family’s Future, Whether You are Around or Not!

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Sabi ni Bro. Bo Sanchez
Life insurance is simple.
If the Lord takes you home early,
Your children will not go hungry.

This year, Manila Bankers Life, under new owners, under new management, launched one of the most innovative term life insurance solution in the market today, called MOST 18 or Multiple Option Super Term 18, an 18-year level term insurance plan with Premium Deposit Fund (PDF) rider.

The premium deposit fund is an investment product approved by the Insurance Commission and is guaranteed to have non-negative growth.  It is also withdrawable anytime, including on the first year.

Sa MOST 18, mayroon kang complete flexibility kung kailan ka magbabayad.  Kapag sobra ang iyong bayad, ito ay magiging “deposit” sa PDF.  Pag due na ang premium, iwi-withdraw lang ang pambayad mula sa PDF,

Ang maganda talaga dito ay maari kang magbayad ng mask anong schedule, basta sapat ang PDF pagdating ng due dates.  Ibig sabihin, ang PDF ay kumikita habang hindi ibinabayad sa premium. 

Halimbawa, if you are 30 years old, at may premium ka na ₱5,710 annually for 18 years para sa iyong ₱1m coverage. May one time policy fee din na ₱500.

Ang total na babayaran mo sa 18 taon ay ₱103,280.
Kung ginawa mo na single pay term insurance, kagaya ng sinabi ko, ang sobrang premum ay magpupunta sa premium deposit fund at kikita ng guaranteed non-negative interest every year.

Kung ito ay kikita ng 12% isang taon:
Bayad ka na ₱103,280 sa simula.

  • Ang ₱5,710 ay ibabayad sa premium, at ₱500 sa policy fee:
    ₱103,280 – ₱5,710 – ₱500 = ₱97,070
  • Ang matira na ₱97,070 ay mapupunta sa PDF.
  • Kikita ng 12%, kaya after one year, ang value ay ₱108,718.
  • Sa susunod na taon, babawasan ng ₱5,710, at kikita ng 12%. Bagong value ay ₱115,369.
  • Ituloy tuloy taon taon. Sa dulo ng 18 taon, kung buhay ka ba, ang projected value ay ₱433,844, more than 4 times ng iyong original na  ₱103,280.
  • Kung kunin ka ni Lord, ang death benefit sa pamilya mo ay ₱1,000,000 plus fund value.
  • Sa simula, ang death benefit ay ₱1,000,000 + ₱97,070 o halos 11 times ng iyong ₱103,280.
  • Sa bandang huli, ang death benefit ay ₱1m + ₱433,844  o halos 14 times ng iyong ₱103,280.

Isipin mo na lang:

  • If you die too soon, ang ₱103,280 mo ay mababalik sa family mo ng 11 to 14 times.
  • If you live too long, ang ₱103,280 mo ay mababalik sa iyo ng 4 times.

Siguradong yaman, hindi ba?
Protektado ang pamilya mo if you die too soon, o live too long!
Protektado whether you are around or not!

====
Maaring magtanong ka Coach Bobet sa Facebook sa Ask the Money Coach o magtanong sa chat sa http://m.me/AskTheMoneyCoach

The Wealth Calculator

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Kapag may isinukso, may madurukot!
Paano nga ba mag-invest para tayo ay mag-retire ng maginhawa?

Kaya mo bang mag-
Tipid ng ₱ 33 sa araw-araw?
Ipunin mo ito, ₱ 1,000 buwan-buwan , at
Palaguin @12 – 18% taon-taon? Mag-
Saya ka dahil ito ay magiging ₱1,000,000 – ₱2,300,000 makalipas ng 20 taon.

O ₱3.5M – ₱14M sa 30 taon.
O ₱11.8M – ₱85M sa 40 taon!

I-explain po natin ang wealth calculator, kung paano natin ma-illustrate ang
“How to Grow Rich, Slowly but Surely”

Mabalik tayo sa ₱ 33 araw-araw. Ito ay kulang-kulang na ₱ 1,000 buwan-uwan. 

  • Kung ilalagay natin sa alkansiya, o sa ilalim ng unan, o sa aparador o sa poste na kawayan, wala itong kitang interest.  Sa isang taon, ₱ 12,000. Sa limang taon ₱ 60,000. Ituloy-tuloy natin ng 20 taon, ito ay ₱ 240,000.  Sa 40 na taon, ₱ 480,000.
  • Kung ito ay ide-deposito mo sa bangko, siguro ito ay kikita ng 0.25% interest sa isang taon.  Ibawas ang withholding tax na 20% ang effective annual interest nito ay 0.2%. Sa interest na 0.2%, ang bawat deposit ay inaasahang magdo-doble makaraan ng 360 taon!!!  Makaraan ng 5 taon, ito ay magiging ₱ 60,306.  Kung itutuloy natin ng 40 taon, ito ay  magiging ₱499,762.  Sa 40 taon, hindi pa umabot ng ₱20,000 ang tubo!
Wealth Caculator for 0% and 0.2%

Makaraan ng 40 taon, ang kita pa lang ay hindi aabot ng ₱20,000!

    • Kung ilalagay natin sa mga high yield na investment ,kagaya ng equity mutual funds, maari itong kumita ng 12% hanggan 18% na tinatawag ng compounded annual growth rate o CAGR. Ibig sabihin, may taon na mababa o baka negative pa ang growth, may taon na super-taas ang growth.  Pero sa long term, ang parang average ay mag-ma-match sa CAGR.  Sa 12% – 18% na CAGR:
      • makaraan ang 5 taon, ito ay magiging around ₱82,486 – ₱97,658.  Mas malaki pa ang tubo sa 5 taon kaysa kita sa bangko makaraan ng 40 na taon!
      • makaraan ang 15 taon, kalahating milyon na, kulang-kulang ₱504,576.
      • makaraan ang 20 taon, ₱1m – ₱2.3m 
      • makaraan ang 30 taon, ₱3.5m – ₱14.3m
      • makaraan ang 40 taon, ₱11.8m – ₱85.8m.  Aba, pwede na talagang mag-retire!  
Wealth Calculator

Ang iyong ₱33 per day o ₱1,000 per month ay maaaring lumaki ng ₱1m to ₱2.3m sa 20 taon, ₱3.5m to ₱14.3m sa 30 taon, o ₱11.8m to ₱85.8m sa 40 taon!

Ganyan ang power ng disciplined savings at intelligent investing. Kung kaya mas malaki sa ₱33 isang araw, o makahanap ng mas malaking kita na investment vehicle, mas mabilis pa mapapalago ang ating yaman.

Kailangan lang natin ng disiplina, financial literacy, at sapat na panahon, para mag-palago ng pera.

Learn more in this full length (90 minutes) recorded seminar at http://bit.ly/WebinarPlus Coach Bobet and Mary Ann conduct free seminars on Mondays at 2pm and 6pm in Quezon City.
http://bit.ly/seminarqc

Gusto mo ba makawala sa utang?
Gusto mo ba magsimula mag Save?
Gusto mo ba magsimula mag Invest?
Gusto mo ba mag-retire na maaga, na happy, healthy at wealthy?

Kung gusto mo malaman, maaring mag-attend ng live na financial seminar sa:

Para mag-register sa ister for the seminar in

Kung nasa ibang lugar kayo, at may internet connection kayo, maaari kayong mag-attend ng webinar (Internet seminar gamit ang iyong mobile phone, o tablet o laptop)

O kung gusto ninyo manood ng seminar, Now Na! register lang po tayo sa
WebinarPlus

 

 

Kaninong Regalo ang Bibilhin ng 13th month pay mo?

Kaninong Regalo ang Bibilhin ng 13th Month pay mo?

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Naririnig mo rin ba?
Sa ganitong panahon ng taon, parang may bumubulong sa akin:

MInsan isang taon lang tayo magkita,
Pero galit na galit ka sa akin
Lagi mo lang ako itinatapon.
Kapalit ng ilang saglit na aliw.
Kaligayahang pansamantala.

Kung mahal mo ako,
Maari mo akong alagaan
Para balang araw, tayo ay magkita
Para sa iyong magandang kinabukasan
Pangmatagalan

Love
Your 13th month pay

Mas mayaman ka ba ngayon kaysa noong isang taon?
Guminhawa ka ba?

Kung hindi, baka dahil hindi ka naghahanda para sa kinabukasan.

Halimbawa, naalala mo ba kung ano ang nangyari sa 13th month pay mo last year? Kung pareho ka ng marami, nawala na lang iyon at naubos sa regalo, handa at lakwatsa na kasabay ng Pasko.

Pero dapat nalaan natin ang malaking bahagi noon para sa kinabukasan.

Nagyong taong ito, kung ikaw ay swelduhan sa Pilipinas, mas malaki ang matatanggap mo ngayong Pasko.

Sa bagong tax law:

  • mas maliit ang income tax
  • mas malaki ang allowed na non-taxable bonus, mula P30k last year at ngayon non-taxable ang hanggag P90,000 na bonus.
  • sa gobyerno, may 14th month pay pa at P5,000 na cash gift.

Maski i-factor mo pa ang 6.7% inflation, mas malaki pa rin ang purchasing power ng mga 13th month at additional bonuses this year!

Saan mo ba dadalhin ang iyong bonus?
Mapupunta na naman ba iyon sa wala?
Paano na ang iyong pamilya?
Paano na ang kinabukasan mo at ng asawa mo?
Paano na si baby?
Paano na ang iyong retirement?
Paano na si Lord?

Ngayong Pasko, gusto mo bang malaman kung paano mo magagamit ang iyong 13th month pay para magsimula bumuo ng magandang kinabukasan?

Gusto mo bang gamitin ang 13th month pay para sa  makabuluhang regalo?

Para kay God ba?
Para sa iyong kalusugan ba?
Para sa iyong pamilya?
Para sa iyong kinabukasan ba?
O pag-aaral ni baby?

Kung gusto mo, abangan mo ang kasunod ng kabanata!
( ibibigay ko sa iyo bukas at sa mga susunod na araw!)

Gusto mo ba ng isang Maligayang Pasko ngayong taon lang o maraming Maligayang Pasko sa kinabukasan? Tanungin mo ko ako sa Ask The Money Coach

Bobet

p.s.
Maaring mag-simula malaman ang secrets to saving and building your future dito sa video na ito.

 

Protect Your Familyh

What’s the best protection for your baby?

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What’s the best protection for your baby?

When your baby arrives, you begin thinking of your child’s future.

Many begin by opening a bank account for the child, promising to oneself to set aside money every month for the child’s future.  But realistically, with today’s low savings account interest rates of 0.2% effective rate ( after witholding tax), a thousand pesos per month is expected to grow to only ₱245,000 after 20 years ( or total interest of ₱5,000 after 20 years )

The best protection for your child is a combination of equity mutual funds in-trust-for (ITF) your baby, plus term life insurance for the breadwinner with your baby as beneficiary.

If we set up an equity  mutual fund, in-trust-for  your baby, assume 12% growth and invest ₱1,000 per month, we get these projected values:

  • ₱1m to ₱2.3m after 20 years, or
  • ₱3.5m to ₱14m after 30 years or
  • ₱12m to ₱86m after 40 years!

This investment can probably suffice to fund your baby’s college tuition after 18 years, or jumpstart family life on marriage after 30 years, or provide retirement as early as 40 years!

This is a great plan, but we know that what actually happens do not always match our plan.  What if you die too soon?

If the breadwinner is 31 years old or younger.  ₱500 per month can buy ₱1m of life insurance coverage for 18 years.

This means that if the Lord takes you, the breadwinner, home early, and you die too soon in the next 18 years, you can leave ₱1,000,000 for your baby as a parting gift.

With this combination, you protect your baby’s future whether you die too soon, or live long enough to see your child grow!

This solution requires only ₱1,500 a month or about ₱50 per day.
Can you commit ₱50 per day for each of your children?

Ask your questions or put your comments below this.

Life Insurance for OFWs Abroad

Paano makakakuha ng Life Insurance ang Overseas Filipinos?

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Paano makakakuha ng life insurance ang mga Filipinos na nasa abroad?
Ang sagot — group life insurance, kagaya ng kasamang benefit sa Kaiser Ultimate Health  Builder!

May nagtanong sa akin:

I am an OFW. May question ako about sa Kaiser since healthcare product po siya with insurance.

I’ve read kasi na if kukuha ka ng insurance dapat nasa Pilipinas ka. What if kumuha ako ng Kaiser dito sa abroad and since may insurance siya kasama magiging invalid po ba iyon ?

Ang sagot ko:

Valid ang insurance na kasama ng Kaiser.

Ang bawal kasi ay ang pagpirma ng insurance policy outside the Philippines. Ang bundled na insurance na kasama ng Kaiser long-term-care plan ay group policy na napirmahan sa Pilipinas ng Kaiser.

Kapag kumuha ka ng Kaiser plan, i-enroll ka lang automatically under the group, kaya valid ang life insurance mo. At dahil group plan iyon, kasama ka sa lahat ng insurance benefits:

  • basic life insurance
  • accidental death and dismemberment
  • waiver of premiums on death
  • waiver of premiums on permanent and total disability

Yung waiver on death, ang ibig sabihin, kung ikaw ay kunin ni Lord ng maaga, ang Kaiser plan mo ay magiging fully paid. Ang matatanggap ng beneficiary mo ay ang buong insurance proceeds, at ang iyong fully paid na Kaiser plan.

Idagdag ko lang:
Halimbawa ang isang 50 year old, kumuha ng recommended na Kaiser K100 plan, may kasama iyon na life insurance coverage na ₱450,000.

Kung ang planholder ay kinuha ni Lord (after 2 year contestability period) ng natural causes, makakakuha ang beneficiary ng ₱450k.

Kung accidental death, ₱900k

Kung ang death ay habang nag-babayad ( halimbawa, dalawang buwan pa lang nagbabayad) ang plan ay magiging fully paid, at ma-i-inherit din ng beneficiary. On the 20th year, may projected maturity value ito na up to ₱1,166,168 kung walang health benefits na ini-avail.

Ang validity ng group insurance abroad ay para sa lahat ng group insurance, hind lang sa Kaiser.

Kung may company group insurance, pwede kang-i-enrol ng company para ma-cover ka. Kung kasali ka sa cooperative o association na may group life insurance, pwede ka ring i-enrol.

Mayroon kang tanong? Mayroon kang comments?
Ilagay lang sa ilalim. O sumulat kay Coach Bobet & Mary Ann, via email, o Facebook messenger

Do you want to learn how to build money machines?

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I want to learn more about Online Wealth Summit 2018!

MONEY MACHINES: HOW TO CREATE PASSIVE AND ACTIVE INCOME AT THE SAME TIME
The TrulyRichClub Online Wealth Summit 
September 22, 2018, Saturday
8am to 12 noon
at the comfort of your home, or your office
via an Internet connection

Change your mindset to a mindset of abundance, and learn strategies for building automatic money machines, from Bo Sanchez’ mentors!

  • learn about the stock market from Edward Lee, Chairman and founder of COL Financial (the Philippines’ largest stock market broker)
  • learn how to invest your money and grow your capital from Rex Mendoza, President and CEO of Rampver Financials
  • learn from Arun Gogna, the funniest and wittiest preacher you will ever meet, who will inspire you to attain abundance
  • learn from Bo Sanchez, our mentor, inspiration and friend, who will teach you what you need to know to change your financial life.

If you have ₱ 200 (one hundred pesos), you can attend the first Truly Rich Club Online Wealth Summit this September 22, 2018.

Yes, I want to attend the Online Wealth Summit 2018!

I want to buy the ticket for ₱ 100

Financial Literacy FAQ

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What do we teach non-members in our free financial seminars?

We generally teach concepts to non-members in the free financial seminars. We teach them the value of simple living, investing early and the power of small repeated actions. We teach them about BENEFITS (what product features do for people) and why financial products are necessary.

We make saving, investing and insurance understandable to the layman because we don’t bamboozle attendees (yet) with technical terms.

To learn more, click here to watch our Webinar now!

What do we teach in our free financial workshops?

We have five workshops:

  1. Increasing cashflow and debt management
  2. Building a solid financial foundation and proper protection
  3. Building wealth.
  4. Preserving wealth.
  5. Entrepreneurship

The most common comment in the seminars and workshops is that they finally understand the concepts of saving and investing.

IMG Membership Banefits

IMG Membership Benefits can be grouped into four classes: (1) financial literacy, (2) access to financial solutions, (3) discounts on products and services, and (4) business in the financial industry.

What do we teach members?

Members have at least 18 member benefits, including eligibility to attend technical product training, conducted by licensed representatives/trainers of our partners. Partner companies teach members about the FEATURES (features is about the product)

For example:

  • Our insurance product training is handled by Philam.
  • Our mutual fund product training is handled by Rampver Financials.
  • Our Kaiser Long Term/Short Term product training is handled by Kaiser International Healthgroup.
  • Our real estate training is handled by DMCI, SMDC, Ayala Land and Vista Land, etc.etc

We also have special investment seminars, conducted by the most respected names in the financial industry

What do we teach partners?

Partners are members who want to do the IMG business.

We have twice a week partners training, to educate partners about the IMG mission, about membership benefits, and how to build a big business in the financial industry.

We have three big events every year, two international conventions plus the annual Convention of Champions. The Convention of Champions is usually a two-day event, a training day, and a gala night where IMG honors and recognizes its champions for the past twelve months.

Look at Everything as Training

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IMG is on a mission to help 30M Filipino families achieve financial freedom through education by 2030.

We have the best good-hearted mentors, like Joen delas Penas, Noel Arandilla, Bart Borja, and Rex Mendoza,  to inspire and provide directions in this mission.

But Brother Bo Sanchez is perhaps our most inspiring mentor, who “pushes” us to excel and be the best we can be, so that we can be blessings to more people. In our 2015 RISE Convention, he started by saying “Jesus was a businessman!”

He noted that Jesus

  • spend 17 years as a businessman/entrepreneur,
  • spent only only 3 years in preaching, healing and driving out demons.
  • was an apprentice carpenter at age 13
  • apart from his trade, did accounting, collected payments, entertained customer complaints

Jesus sanctified business! Look at everything as training!

He told IMG members:

  • “Your service, your product, is the financial freedom, and financial well-being of your customers.”
  • “Go out there with pride, go out there with joy. There’s nothing to be ashamed of.”
  • “You do not win the battle in the battlefield.”
  • “You win the battle, before the battle begins.”

Bo Sanchez related the story of David and Goliath. David said:
“I fought and defeated the bear and the lion when I was the shepherd.”

David saw the bear and the lion as training.

Bo added:
Look at everything as training! You are facing your lion, you are facing your bear right now. If you see this as training, and you endure, and you persevere, and you don’t give up, it is training you because the Goliath is coming.

And when you defeat the lion and the bear right now, you will have all that you need to defeat the Goliath. And when you defeat the Goliath, you are going to become King.

“I fought and defeated the bear and the lion when I was the shepherd.
— David”

Bo Sanchez ended with two short messages

Always choose growth over money.
If you choose growth, the money will follow.
If you choose money, the growth will not follow.

Grow in your personal life
Grow in your intellectual life
Grow in your relational life
Grow in your spiritual life

Look at everything as training.

See everything as training because bigger things are going to happen in your life.

Live a fantastic life.

If you want to be a part of IMG:

  • to learn about financial concepts and strategies
  • to have access to hundreds of financial products
  • to save money on products, and your own financial transactions
  • to help family and friends learn about money
  • to learn and earn, while helping others

then we invite you to attend our membership orientation seminars:

In Quezon City (JIAO Bldg. Timog Ave cor Quezon Ave)

In Makati (World Center Bldg, Sen. Gil Puyat Ave, in front of Mapua)

In Las Pinas (Palm Square Bldg, Alabang-Zapote Road, beside Las Pinas City Hall, across PLDT)

In Sta Rosa Laguna (Mercury Bldg, Balibago Complex)

In Calamba (Margimel Bldg, National Highway cor Chipeco, Brgy Halang)

In Dasmarinas, Cavite (ALC Bldg, Camerino Drive)

Rex Mendoza on World Class Leadership

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Rex Mendoza, founder of Rampver Financials will speak on ‘World Class Leadership‘ at Bo Sanchez‘ Kerygma Conference 2016 – Forward.

Class: World-class Leadership
Saturday, November 19, 2016
Leadership can be developed, and world class leadership can be achieved by having the right heartset and mindset forged by genuine commitment. By focusing on the right elements, leadership practice can lead to success beyond the office and business

Rex Mendoza is Founder and Managing Director of his own corporation and holding firm, Rampver Financials, a financial services niche player and the leading non-bank mutual fund distributor in the country.

Rex Mendoza will speak on 'World Class Leadership' at the Kerygma Conference 2016

Rex Mendoza will speak on ‘World Class Leadership’ at the Kerygma Conference 2016

Previous to this, he was Senior Adviser to the AIA Group CEO, for Marketing and Distribution, President and CEO of Philam Life, Director of Globe Telecom, The Freeport Area of Bataan, and Esquire Financing, Inc. Rex Mendoza is one of the best speakers in leadership, motivation, and personal finance in the country.

Join us at the Kerygma Conference 2016 on November 17 – 20, 2016 at the SMX Mall of Asia.

Kerygma Conference has been a source of hope and inspiration to people so they become more blessed and empowered in the different aspects of their lives. It has been gathering thousands of people from all walks of life for powerful talks and learning tracks straight from well-known speakers and industry experts. Throughout those years, Kerygma Conference has been – an instrument of change for so many lives, and a way for lost souls to discover the path towards the love of God. Check out http://KerygmaConference.com

International Marketing Group, TrulyRichMakers and Kaiser International HealthGroup are proud Conference Sponsors of Bo Sanchez’ Kerygma Conference 2016 – Forward.It is our mission to enable Filipinos to attain financial freedom, through financial education.

Attend our FREE seminars in