Money

Maybe you are holding a full time job but need more money than you’re being paid. Or you are unemployed and can’t find a job. Or you want a good income but not a BOSS. Or you are simply one of the millions of people that have come to realize that having a JOB is just not the answer. That no matter how good and determined you are, you are still on the rat race, running madly but not going anywhere. You know you want more than this. You know there’s got to be a better way.

You're RIGHT!!!

The bad news? According to Robert Kiyosaki, it is not your boss's job to make you rich, it's your job. The good news? You can make yourself rich during your spare time.

Let me say that again, you can make your self rich in your spare time.

You could get more out of life.
You can change your fate.
You can control your income.

Here are just some ways I found along the way. These are not get-rich-quick schemes. These require some work and patience. You have to be willing to learn the systems and apply them.

REMEMBER:
1. These are NOT JOBS. They are LIFESTYLES. Pick one that suits you.
2. These are NOT INDIVIDUAL efforts. They involve working with a team and leveraging on other people's effort, time, knowledge and skills. We can not do it alone, but together, nothing is impossible.

WHAT, WHY and HOW MUCH?

A lot of books deal about HOW- how to start a business, how to trade stocks, how to make money from real estate, etc. While these knowledge are essential, it's not enough. Knowing HOW is just a small part of the equation. What's more important is the WHAT, WHY and HOW MUCH.

WHAT do you want? What are your dreams? What are your goals? What are your plans? What are you doing to achieve them?

We have to know what we really want. Everybody wants to be rich. Everybody wants to amass wealth. Everybody wants financial freedom. I keep hearing these that wanting them starts to sound kinda average. While a lot of people were affirming their wants and betting their way to get it through the most popular investment scheme in the country, the lotto, I was desperately searching for that one, elusive answer to reach my dreams. Unfortunately, I kept failing. The more I failed, the more I doubted my ability to know what I really want.

In his bestselling book, Rich Dad, Poor Dad, Robert Kiyosaki wrote the first step to financial freedom is to have a reason greater than reality. It is not enough to know what we want, we have to know our "WHY." We need to be clear about why we want something.

After some soul searching, I found what I want and why I want it. Yet it didn't make things easier. I still kept jumping from one business to the next. After hearing some stories from successful people at IMG, I realized I kept failing because I wasn't persistent enough. I always knew I had other choices. I can drop any project anytime. This prevented me from giving my best to a single endeavor. My HOW MUCH wasn't enough. People succeed because they persist. We have to want it bad enough in order to win.

CHANGE YOU

Getting rich begins with the right mindset, the right words, the right plan.

-Robert Kiyosaki

We can only change our lives if we change- ourselves and our mindset. A lot of people hate their jobs. Some feel that they are not being paid enough. Yet they stay. Yet they are too busy to look for a new one or to find something to augment their income. The problem with Filipinos is not the lack of opportunity, it's the lack of drive. A lot of people want to be rich, but they won't go the distance. They are not willing to pay the price. They would rather shop, watch TV or sleep.

We had a convention in Tagaytay last August 15, 2008. Bo Sanchez was at the lobby (Taal Vista Hotel). He joined our group and attended the IMG Summit, not as a speaker but as one of the participants (He sat infront, listened and took notes like everybody else).

Later on I learned how Bo got involved with IMG. I was amazed because it was so simple. He sat next to one of our leaders on a plane, they had a conversation. He invited Bo to attend the seminar. He came to the office, attended the seminar and joined (and he refer us to his readers and seminar attendees). So simple.

As far as I know none of the people I invited are as famous, rich or busy as Bo, but I had to plead and still get all kinds of excuses. It’s disappointing but I guess I can not help people who won’t help themselves. Bo knows how to say yes, he makes time and he is open to ideas, that’s why he is truly rich!

Xuan Nguyen said the middleclass are the hardest to change. They are comfortable where they are. They are voluntary prisoners of their average lives. They have dreams but won’t go the distance. They are content where they are.

The middleclass-
Top of the bottom,
Bottom of the top,
Cream of the crop?

LEVERAGE YOUR MIND

Before anything else, before taking any step, learn the rope. Find a mentor. Associate with financially knowledgeable people. Invest in your knowledge first before jumping the gun, it could save you a lot of trouble and money in the long run. I enrolled in a technical analysis class once and found that most of my classmates are there because they are losing money in the stock market. People have the tendency to act only in retrospect. It is better to be late than never but we don't have to fail in order to learn.

There are lots of organizations and individuals giving seminars out there. Here's one:

FREE Financial Management Seminar by Wealth Academy








Series 1: Financial/Wealth Management: How to Increase Cash Flow, The Law of Building Wealth, The Rule of Money, The Wealth Formula, Fundamental of Investments, Putting the Allies of Wealth to work on Your Side, Overcoming the Enemies of Wealth, How Money Works? How to Get the Highest Potential of your Money?

Series 2: Creating Multiple Income Streams: Breakthroughs and Innovations in Financial Solutions, Creating Multiple Passive Income Streams, Be your Own Financial Expert, Investment Vehicles, New Concepts of Making Good Money

Series 3: Financial Planning & Management Workshop: Goal-setting, Financial Check up & Need Analysis, Coaching & Mentoring, The “Investible” Fund, Fortune from Small Change, Statement of Income & Expenses, Statement of Assets & Liabilities, Estate Preservation. Etc.

Other topics:
Series 4: Finance 101
Series 5: Building Big Business
Series 6: Winning Principles
Series 7: Train the Trainers
Series 8: Investment Strategies

REGULAR SEMINAR SCHEDULES:

Monday to Friday : 9am and 2pm (by appointment)
Wednesday and Friday : 7pm
Saturday : 2pm
Note: Schedules may change without prior notice.

VENUE:
3/F King's Court 1 Building
2129 Chino Roces Avenue
Corner Dela Rosa St.,
Makati City

For more details, please contact:
Edmund Lao
mobile: +63917.326.2077
email : edmund.lao@gmail.com

INCREASE YOUR CASH FLOW

You have two choices in life.
1. You can shrink your dreams to fit the size of your income.
2. You can increase your income to be able to afford your dream.

There are ways to increase your cashflow. Here's a list (Note: These are the author's recommendations based on personal experience. Results depend on individual's efforts).

1. Get a part time job.

a. Join IMG (International Marketing Group). Why? Because it does not require capital investment; you learn while you earn and it is the only business I know that teaches people how to save (instead of spend), invest and become financially free.

International Marketing Group is one of the biggest and fastest growing financial distribution companies in the US, Canada, Taiwan, Hongkong, Philippines and going worldwide. IMG has established agreements with many of the world's leading financial services companies to provide us a broad array of financial products & services. IMG will help you comply accreditation and licensing requirement of all its Product Provider Companies. Multiple companies (Multiple products) will help you get the best product...Best service ... Highest Rate Of Return.... Diversify investments, etc.

It provides a great opportunity for individuals to become entrepreneurs and build their teams.

CALL Edmund at +639173262077 or email esmuns.lao@gmail.com for more information.

b. Join a bona fide MLM (multi level marketing) company. MLM gives everyone the opportunity to own a business without investing a lot of money or going through the trouble of building a business system from scratch. With MLM you invest only small amount of money and you get the benefit of a proven effective system. MLM offers the leverage of other people's time, effort and money without additional cost from you, something you can not do with other businesses.

I know a lot of people don’t want to get into MLM probably due a bad experience with fly-by-night networking (pyramiding) group they have joined or heard about in the past. The key is to research the group before signing up, call DTI hotline at 02.897.7384 and inquire about the company or choose a company that is a member of the DSAP (Direct Selling Association of the Philippines). Not all DSAP members offer MLM though; some of them only offer commission-based distributorship so you have to find the right company with the right product.

c. Join PTC/PTR sites
There are thousands of PTC/PTR sites. It's for those who have time to view ads (for 15-30 seconds). The pay outs are not that big ($0.01 to $0.02/click) but it's FREE to sign up and it's easy to do- just view the ads (links/email) and refer others. They have minimum payouts, so you have to wait till you reached that amount. Here are some of the sites :

ThinkBux
Per click : $0.01
Referral: $0.01
Minimum Payout: $2
Payout : via Alertpay/Paypal

Buxvisit.net
Per click: $ 0.01
Minimum payout: $ 10.00


lifebux
Per click : $0.015
Referral: $0.015
NO minimum Payout!
Payout : via Alertpay

neobux.com
Per click : $0.02
Referrals click : $0.01
Minimum cashout: $2.00
Payout : via Alertpay

Click fantasy
Earn up to €0.025 per click (30 seconds)
Earn up to €0.015 per referral.
Payment through PayPal.

ClixSense
Per click: $ 0.01
Minimum payout: $ 10.00

Xclix.net
Per click: $ 0.01
Minimum payout: $ 10.00
Croclix.com
Per click $ 0.01
Payout $ 5

Angelbux
Per click $ 0.01
Payout $ 10

Ten-ads
Per click $ 0.01
Payout $ 7
d. Join Social Networks and affiliate programs

YUWIE...where it pays to socialize

Okay. Let's have some fun. Do you know that you can get paid while socializing in the internet? Here are some ways where to get earn money for something you are already doing.

Yuwie, the first social networking website that pays it's users. Like any other social network, it includes features like email, customizable profile, blog, videos, pictures, clubs, etc. But unlike other networks IT PAYS IT'S USERS.

How?
1. It pays you when your stuff is looked at
2. It pays you when you refer friends.
PLUS, it's 100% free.

Mylot is another networking website. It offers customizable profile page, discussions, news, blog articles, photos and private messages PLUS you get paid every time you use myLot!
It's easy, just sign up and start discussions, post responses or comments to current discussions, news or blogs, or refer friends!

DirectMatches, the business space
This is a networking site for business people. It offers email, blog, a chance to network with people of the same business interest and seek new oppurtunities. You can open an account for free but to earn sales volume commissions, you have to upgrade your membership (which means paying the membership fee. It's a nice site for establishing business connections and seeking oppurtunities. Everybody's into something interesting. There were so many opportunities, I got blown away. Whew!

You can sign up for free but to get commisions, you have to upgrade your membership and pay the membership fee. Well, if you want to check out the site, CLICK HERE.

e. Join referral and affiliate programs.

Here's something for the computer buffs. If you love sitting infront of the computer all day and have time to watch videos (but hey, watch your back, Boss might drop by. The idea is to FIRE her/him when the right time comes [read: you are ready; your passive income is enough to cover your expenses] not to get fired!!!), this one's for you. I'll be discussing other online streams (in other posts) but I'll do this first because it's easy to do. Just watch the video and it will guide you every step of the set up. Plus it features 22 streams of income (including google adsense, google adwords, yahoo search, global domains international, yuwie, etc.). You don't have to go searching for internet programs you can join, the system found them for you and it will help you make the most of these programs.

KNOW HOW MONEY WORKS

LIVE simply. Live below your means. If you can't live below your means, increase your means. But the bottom line is, always have something EXTRA to pay yourself (before the bills and everything else) at the end of the month.

In The Richest man in Babylon, George Clason wrote, A PART OF ALL YOU EARN IS YOURS TO KEEP.

According to this book, there are 7 CURES for a LEAN PURSE

1. Start thy purse into fattening.
For each ten coins you put in, spend only nine.
2. Control thy expenditures.
Budget your expenses that you have coins to pay for your necessities, enjoyments and desires without spending more than 9/10th of your earnings.
3. Make thy gold multiply.
Make money work for you.
4. Guard thy treasure from loss.
Invest only where the principal is safe...consult with wise men. Secure the advice of those experienced in the profitable handling of gold. Let their wisdom protect your treasure from unsafe investments.
5. Make of thy dwelling a profitable investment.
Own your own home.
6. Insure a future income.
Provide in advance for the needs of your growing age and the protection of your family.
7. Increase thy ability to earn.
Cultivate your own powers, study and become wiser, be more skillful and act as to respect yourself.

Saving is not just taking aside a portion of your income. It has to have a purpose and we have to stick to that purpose. We have to distinguish EMERGENCY FUND from INVESTIBLE FUND.

Emergency fund is something we set aside for emergencies, something we can cash in anytime. Investible fund is something we set aside for the long term. Our investment should grow on itself and be able to provide for us when we stop working.

Where to invest?

a. MUTUAL FUNDS

A mutual fund collectively pools money from individual and corporate investors. These funds are managed by a professional fund manager who invests the money in stocks, bonds, money market instruments, and/or other securities. The mutual fund earns in two ways: from the capital gain (increase in value) of the security and dividend or interest income. These proceeds, net of whatever charges and expenses, are passed along to the shareholders. The value of a share of the mutual fund, called the Net Asset Value (NAV), is calculated daily based on the fund's total value divided by the total number of outstanding shares.

There are mainly four types of mutual funds in the Philippines: stock (or equity), bond, balanced, and money market. Stock or equity funds invest in shares of stock of Philippine corporations listed in the Philippine Stock Exchange. Equity funds offer the highest possibility of growth among all mutual fund types, but they also have a corresponding high amount or risk.

Bond funds invest primarily in fixed-income securities such as bonds or treasury notes issued by the Philippine government and commercial papers issued by reputable Philippine companies. Because these bonds are normally guaranteed, the possibility of loss is very low. Investing in bond funds provide capital preservation while maintaining conservative asset growth.

Balanced fund is a mixture of equity and bond funds. The high potential growth of equity investments is tempered by the conservative growth of fixed-income securities. Obviously, the return of a balanced fund is normally somewhere between the return of an equity fund and a bond fund.

Money market funds are similar to bond funds because they also invest in fixed-income securities and the growth of the fund is conservative. The main difference lies, however, in the term of money market fund investments, which is usually short-term such as one year or less.

Choosing which mutual funds to invest in ultimately depends on the investor's growth goal and risk tolerance. If the purpose is capital growth, equity funds are the way to go. Bond funds are chosen, on the other hand, if the investor prefers capital preservation over risky capital growth. For those who want medium risk and medium growth, balanced funds are the best option. Money market funds are for those who wish to earn a conservative amount of return in the short-term.

According to the Investment Company Association of the Philippines, a duly recognized association of investment companies in the country, there are currently a total of 22 mutual funds. Six (6) of these are bond funds, five (5) are equity funds, ten (10) are balanced funds, while one (1) is a money market fund. (Source: http://www.pinoymoneytalk.com/2006/09/11/introduction-to-philippine-mutual-funds/)

b. UITF
A unit investment trust fund or UITF is a banking product that replaced common trust funds (CTFs). It is managed by the offering bank’s treasury department or group.

c. STOCKS
A stock market, or (equity market), is a private or public market for the trading of company stock and derivatives of company stock at an agreed price; these are securities listed on a stock exchange as well as those only traded privately.

NOTE: Investing can be a risky endeavor. Get a broker you can trust (who would put your best interest first before his/her commission) or learn the trade yourself. Don't know where and how? Wealth academy offers seminars on investing. Text/call edmund at 09173262077 for more information.

Be your own broker!

Every time you buy something, somebody is making a profit. Everyday, every month, your hard-earned money goes to other people's pockets. When you buy a house, you lose 2-5% of the cost on commission. When you pay your health care, life insurance, car insurance, fire insurance, pre-need insurance- you pay your agent. When you invest in mutual fund, you pay your broker. When you put money in the bank, the bank profits but you are losing it's worth due to inflation. Isn't it time you make money instead of paying someone else?

Eliminate the middle man. Be your own broker. Be your family's broker. Be your company's broker. Be your neighbor's broker. Be your friend's broker. HOW? Attend the Wealth Academy's FREE financial course and we'll help you get accreditation, prepare for your financial future and grow your career.Your only competition is your own will to win!!!

College degree is not enough to become financially successful, you need Financial Education.

You need to set goals for your money because others are setting their goals on how to get your money.

If you think FINANCIAL EDUCATION is a waste of time & money, TRY IGNORANCE!

Edmund Lao
Mobile +639173262077
Email edmund.lao@gmail.com

Wealth Academy Program

Financial Education, Financial Literacy, Wealth Academy

by: Noel Arandilla

People want financial freedom, but don't know how to fight for it!

People want to know how money works & how they can make money work for them.

But how do you gain this knowledge? Schools rarely teach it. Families hardly talk about it.

Unfortunately, unless you understand the power of money, you can't put it to work for you.

But navigating the maze of things about financial can be a confusing journey. People simply don't know where & how to begin … and they are scared to seek financial advice as some group may take advantage of them.

Realizing that the need exists for widespread FINANCIAL EDUCATION, IMG established the Wealth Academy, a training series in the areas of Financial Planning & Management, Entrepreneurship, Investment Strategies, Investment Vehicles, Winning Principles, etc.

Wealth Academy Schedule: MORNING (Mon to Fri 9am - by appointment), AFTERNOON (Mon to Fri 2pm - by appointment, Sat-2pm) EVENING (Wed & Fri – 7pm)

Do you know people with no degree but wealthy?

Do you know well-educated people but financially struggling?

Do you know people with a lot of degree but working for people with no degree?

College degree is not enough to become financially successful, you need Financial Education.

You need to set goals for your money because others are setting their goals on how to get your money.

If you think FINANCIAL EDUCATION is a waste of time & money, TRY IGNORANCE!

TOPICS (Series 1-3)

Series 1: Financial/Wealth Management: How to Increase Cash Flow, The Law of Building Wealth, The Rule of Money, The Wealth Formula, Fundamental of Investments, Putting the Allies of Wealth to work on Your Side, Overcoming the Enemies of Wealth, How Money Works? How to Get the Highest Potential of your Money? etch

Series 3: Creating Multiple Income Streams: Breakthroughs and Innovations in Financial Solutions, Creating Multiple Passive Income Streams, Be your Own Financial Expert, Investment Vehicles, New Concepts of Making Good Money, etch.

Series 3: Financial Planning & Management Workshop: Goal-setting, Financial Check up & Need Analysis, Coaching & Mentoring, The "Investible" Fund, Fortune from Small Change, Statement of Income & Expenses, Statement of Assets & Liabilities, Estate Preservation. Etch.

HOW DO YOU FEEL TODAY?

Personal Thoughts, Word of Wisdom

by: Jun Avendaño

Once, I was asked,

"What is the strongest feeling in this world?"

And without any hesitation I replied…LOVE

WRONG!

The answer is FEAR

Fear of rejection, fear of what people will say,

Fear of failure, fear of uncertainty and the list is endless.

Why is it very dangerous? Because it has many faces, it is very subtle, it is like a deadly virus creeping in one's mind, body and soul….results….

Paralysis!!!

It can enter through our five senses and will come out in our face, in our eyes, in our mouth, in our hands, in our feet, in our pee, in our sweat, and in our own eyes.

WE BECOME small.

There are 365 days in a year, and its amazing that the BIG BOOK recorded "365 FEAR NOT", ONE FEAR NOT EACH DAY.

KEEP YOUR EYES IN GOD, FOCUS ON YOUR GOAL, FOCUS ON YOUR FULL POTENTIALS AND ACT, AND SURELY, FEAR WILL DIE NATURALLY.

The ROAD To FINANCIAL FREEDOM

Financial Education

by: Anna Marie Tagaan

One of the keys to financial freedom is to create a "Golden Goose"
where you can eventually live off the "eggs". It was Aesop, who told a tale with a moral core in "The Goose That Laid the Golden Eggs".

A man and his wife had the good fortune to possess a goose that laid a golden egg every day. For a while they were happy and lived well. But then they became impatient with how quickly they were accumulating their wealth. So they thought that if the goose could lay such a fine egg of gold, it must be lined with the precious metal. If they cut the goose open, they could get the gold all at once. Of course we all know what happened, the goose was just a goose and there was no gold inside. For Aesop, the moral of the story was much wants more and loses all. There is also a hidden message in this tale, - true gold comes from the process of creating.

Look after your Golden Goose. Never Mistake the Egg as the Gift. We have become a society that values things more than people. It is often joked, tongue-in-cheek that you are only as good as your last accomplishment. That is the ultimate lie. We are not a collection of the things that we do, the sale that we make, or the goal that is conquered. You are the gift. You are the Golden Goose. The egg is just the last thing you created.

Wherever you are right now in your life, please stop for a moment and hear this truth. The true gold lies not in the outcome or accomplishment, it is in the process of creating. When you give yourself a little space and care for the Golden Goose inside you, you will once again lay a golden egg. Don't worry, there is nowhere to go, you have everything you need for the blissful life you desire. You just forgot where the true gold lives — inside of you.

Financial independence is a journey. And like any journey, if a person wants to travel from where they are to where they want to be, they need to know where they are starting from, where they want to be going, and the options of how to get there. And if they've never been there before, they need a map, even if it's only used as a reference for when they lose their way or the planned road is temporarily or permanently closed.

What people are looking for is a roadmap to prosperity. That roadmap will differ from family to family and individual to individual. Each family has its own situation, needs, values, priorities and definitions of financial freedom. Furthermore, families and individuals want to educate themselves in how money works without being dependent on their bank, their insurance agent, or even their financial adviser. They want to be able to make their own choices for their own journey. And most want "enlightened" financial freedom - to achieve abundance without compromising their integrity, their values, their happiness or their friends. They want to understand basic financial principles so that they can develop "golden eggs" from their own financial freedom "goose".
____________

The Wealth Academy series answers this need to learn about financial literacy. It is not anymore something that only a few people know about. This knowledge is now made available for people from all walks of life. Before there is a saying that "the rich gets richer while the poor gets poorer". This happens because financial education before was made available only to those who are capable to spend money on financial advisers and the like. Now, we can not say that anymore.

EVERYBODY can be rich. We just have to find the right environment, to learn and apply what we have learned. It is not our fault if we were born poor or less privileged. But IT IS OUR FAULT if we die poor. That means we have not done something for ourselves and our family. We must take charge of our future NOW! Let us not procrastinate and wait until it will be too late.

3 TESTS OF SUCCESS

Word of Wisdom

by: Jay Galang

"It doesn't matter how you started, what matters is how you are going to end"

2 Timothy 4:6 "I have fought the good fight, I have finished the race, I have kept the faith"

James 1:2-4 "Dear brother, is your heart full of difficulties and tempatations? Then be happy, for when the way is rough, you patience has a chance to grow. So let it grow and don't try to squirm out of your problems. For when your patience is finally in full bloom, then you will be ready for anything, strong in character, full and complete.

TEST #1: FIGHT THE GOOD FIGHT

• Not afraid of trouble
• When problem comes you don't quit, you push harder
• If it's easy too succeed, everybody would do it
• Deal with the opposition, deal with your problems

TEST #2: FINISH THE RACE

• This is where the energy comes for the next challenge
• It is in finishing you find strength to next challenge
• 99% of the people would never finish what they had started

TEST #3 REMAIN FAITHFUL

• Continue to be a "goto person"
• Dependable
• Reliable

Where performance is measured, performance is improved

Winners don't do different things, They do things differently

Success doesn't means the absence of failure, it means attainment of ultimate objective. It means winning the war, not every battle.

Whatever the mind can conceive and believe, the mind can achieve.

IT'S TIME FOR YOU TO WIN!!!!! JUST KEEP ON FIGHTING!!!!!

"DEAD OR ALIVE"

Personal Thoughts

by: Jun Avendaño

Someone said, "many people died at age 21 but they will bury them at age 65″, the first time i heard that, i asked myself..how could that happen?

And suddenly, i found myself doing some self searching. In my mind, i went back in my elementary time, when i graduated elementary… I am so excited because I will enroll in high school, when I graduated high school… I am so excited because I will enroll in college… when I graduated college at AGE 21, I felt something in my heart, something that bothered me, this time,I am not that excited because now I have to look for a job to help my parents. It took me many weeks, weeks became months, i can still remember the INSIDE PRESSURE of doing your best but to no avail, NO JOB OPPORTUNITY. So i took any job available from being a market fish vendor with my grand uncle, i learned a lot but NO MONEY. Then I joined contractors that PAINTED ROOF DURING THE HOTTEST TIME OF DAY, for best results, i earned money but very SCARY JOB, sometimes, we have to tie ropes in our waist for security.

With what was happening that time of my life, I AM DEAD, my dreams were shattered, I worked, I ate,I slept, I played, I went to church, BUT INSIDE MY HEART, I AM DEAD, no direction, no one to coach and without somebody that will get out of their comfort zone TO REACH ME. I WILL TURN 65 someday, and when I passed away, THEY WILL BURY ME.

TRULY.. MANY PEOPLE DIED AT AGE 21 BUT WILL BE BURIED AT AGE 65!!!

HOW ABOUT YOU?

In the year 1999, when I joined IMG, I was

RESURRECTED BECAUSE MY DREAMS CAME ALIVE!!!

What I Believe In

Personal Thoughts

by: Jaime Lorenzo

Finding your Purpose in Life may be the most important discovery you could ever make. I was blessed to discover it three years ago. Today, at age 28, I have made it as my personal mission to educate people about financial literacy.

This is what I believe: Financial ignorance is a major cause of poverty. To put an end to poverty, we have to put an end to ignorance.

In the past three years, I have talked people from almost all walks of life—high income earners, low income earners, managers, employees, teachers, lawyers, doctors, OFW's, seafarers, businessmen—and realized that no matter how big (or small) our income is, if we don't (or don't know how to) manage our money well, we will eventually lose whatever we have.

We need to learn how to handle our hard-earned money, regardless of the job, profession or business we're in. We need to set goals for our money because others are setting their goals on how to get it. Learning the ropes about how money works is simple. Coming from a medical field, I can attest to that. I repeat. Becoming financial literate is easy…as long as we devote time and effort to learn. Most people want financial success, but it's also interesting to find that most of them are unwilling to invest time for their financial education.

I have many friends working for big companies, here and abroad. They make good income, nonetheless. I often advise them to look beyond where they are right now. Making money is good (and fun too). But making money without saving part of it, making that saved money grow and work for you, is useless.

Realize this:
You could have a good, secure career in Singapore. Life in Singapore is, of course, important. But Life After Singapore is more important.

You could have a high-paying job in Dubai. Life in Dubai is important. But Life After Dubai is more important.

You could be an executive for a top company like San Miguel Corp. Your career there is important. But what's there after your career that's more important.

I BELIEVE in the importance of having a Financial Plan—a roadmap that will take us from where we are to where we want to be. Without it, we will never reach our goals.

I BELIEVE in the need for Financial Literacy. Without it, we will end up working hard for money for the rest of our lives.

I BELIEVE in the need to develop Discipline. Without it, success in any area is not possible.

Finally, I BELIEVE in Entrepreneurship. We need to sharpen our Entrepreneur mindset. Without it, our chance for financial freedom is far-off.

I found the things that I believe in and I'm putting my life to fight for it.

Full Training Rooms in IMG Makati!

Financial Education

by: Tante Tapuro

"Amazing!"

"The Wealth Academy is making wonders!"

"It's financial history in the making."

These are some of the statements from surprised members of IMG Makati last Saturday. The turnout of participants in the Upstart School, Business Meeting, and the General Training were extraordinarily high with more than 200 total participants.

A DAY TO REMEMBER…….

Wealth Academy

by: Jun Avendaño

Today, April 7 our country celebrates "Araw ng Kagitingan" a day remembered by Filipinos when our soldiers fought for our Independence. They surrendered their lives for future generation. On this same day, the Wealth Academy trainers fought for Financial Independence. People who are very hungry for Financial Literacy specifically on how to build a Solid Financial Foundation , came in groups of close to 200 participants. IMG-Wealth Academy passionately believes that with the right information and right environment, a person can arrive at the right financial decisions. The Wealth Academy sowed the seeds towards making history in the Financial Industry.

THE WEALTH ACADEMY - MAKING HISTORY!

Wealth Academy

by: Tante Tapuro
The Wealth Academy training defied the holiday on Monday, April 7 "Araw ng Kagitingan". While most people are enjoying their holiday on the beach or on an out of town picnic, the Wealth Academy trainers - passionate as they are in making a difference for families, defied the holidays to quench the thirst of Filipinos for Financial Literacy. Its an exceptional turnout of participants in Series 1,2,3 with a total of more than 200 participants.

A Night with the Wealth Academy Author

Wealth Academy

by: Tante Tapuro

The Wealth Academy Core group went to discuss updates on the Wealth academy program. The power of the Series Trainings is shown on the increasing number of participants. Their excitement level is evident as they scheduled themselves to attend the succeeding modules.