tag:blogger.com,1999:blog-81510796441984450652024-03-14T11:41:30.995+08:00Pinoy Wealth BuildersAnonymoushttp://www.blogger.com/profile/17269073820752645523noreply@blogger.comBlogger2125tag:blogger.com,1999:blog-8151079644198445065.post-447267066840886552013-08-25T17:35:00.000+08:002013-08-27T08:48:25.448+08:00ARE YOU WINNING THE MONEY GAME?<div class="MsoNormal" style="text-align: center;">
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<span style="font-family: Verdana, sans-serif; font-size: 14pt; line-height: 115%;">Many Pinoy today are being
aware on the word of investing and already winning the money game. But still
there are many Pinoy losing in the money game year after year.</span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">Table below shows the
inflation rate in the Philippines from January 2011 up to June 2013.<o:p></o:p></span></div>
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<a href="http://1.bp.blogspot.com/-uJujQ8A4b0o/UhnOruQM21I/AAAAAAAAAFs/orsN8fy54w4/s1600/z.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="181" src="http://1.bp.blogspot.com/-uJujQ8A4b0o/UhnOruQM21I/AAAAAAAAAFs/orsN8fy54w4/s400/z.jpg" width="400" /></a></div>
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<span style="font-family: Verdana, sans-serif; font-size: 14pt; line-height: 115%;">As you can see, our
country is performing great and had bring down the inflation rate for about
2.6%. But, what really inflation is? And how can it affect in my daily life as
normal Pinoy.</span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">Inflation is a rise in the
general </span><a href="https://en.wikipedia.org/wiki/Price_level" title="Price level"><span style="color: windowtext; font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%; text-decoration: none; text-underline: none;">level of prices</span></a><span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;"> of goods and services in an </span><a href="https://en.wikipedia.org/wiki/Economy" title="Economy"><span style="color: windowtext; font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%; text-decoration: none; text-underline: none;">economy</span></a><span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;"> over
a period of time.<sup>*1</sup> And as prices of commodities goes up, the
purchasing power of your money goes down.<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">If you are going to check
10 years ago, the price of one sack of rice is around 800-1000 pesos, but today
it will cost you around 1500-2000 pesos.<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">What does it means? If you
have 800 pesos in your pocket 10 years ago, you can already buy 1 sack of rice.
But if you have the same 800 pesos today, you can only buy half sack of rice.
And you need to double your effort in your work today so that you can buy
another half sack of rice that costs you 800 pesos.<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">How can we relate it to
Pinoy investing?<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">Table below shows the
deposit interest rate in Philippines from 1967 to 2013<o:p></o:p></span></div>
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<a href="http://3.bp.blogspot.com/-VmOQ6LqMd5Q/UhnPKj_ZVfI/AAAAAAAAAF0/Yyzlh5CtM8g/s1600/z.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="175" src="http://3.bp.blogspot.com/-VmOQ6LqMd5Q/UhnPKj_ZVfI/AAAAAAAAAF0/Yyzlh5CtM8g/s400/z.jpg" width="400" /></a></div>
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<span style="font-family: Verdana, sans-serif; font-size: 14pt; line-height: 115%;">Time to time, deposit
interest rate gave by the bank continuously going down. And these are the only
investment instrument that our grandparent teaches us. As you can see, in the
time of our grandparents, deposit interest rate is beating the inflation but
today, it cannot outpace the inflation. So we need to have a new financial
strategy.</span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">You need to learn how
money work hard for you while you are working hard for your family by means of
beating inflation rate with proper investment. The formula below can guide you.<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">If you want to learn more,
we are giving seminar about “Financial Discipline and Practical Wealth
Management”. We wanted everyone to increase their financial IQ so that they can
reach their financial goals. <o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">Wealth Academy Schedules:<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">Regular Sched:<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">Makati<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">Mon – 930am, 630pm<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">Wed – 200pm, 630pm<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">Sat – 900am, 200pm; </span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">and
look for Joseph Zuela/Chona Malanog o</span><span style="font-family: Verdana, sans-serif; font-size: 14pt; line-height: 115%;">r you can request for a
special session nearest in place to you. Just send us a message in email at </span><a href="mailto:joseph.zuela@gmail.com"><span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">joseph.zuela@gmail.com</span></a><span style="font-family: Verdana, sans-serif; font-size: 14pt; line-height: 115%;">
or call or text in 0999.580.7013 for smart, 0915.616.8640 for globe, and look for Joseph Zuela.</span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">For your financial
guidance,<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">Joseph Zuela, <o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">Associate Financial
Planner (AFP)<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;">Wealth Academy Trainer<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;"><br /></span>
<span style="font-family: "Verdana","sans-serif"; font-size: 14.0pt; line-height: 115%;"><br /></span>
<span style="font-size: large; text-align: start;">>>> Do you think you really need to start managing your finances. We can help you together with my mentors and coach in our company. Accomplish first </span><a href="https://docs.google.com/forms/d/1mtyztzydPqSYLCo65AEkHcPJ3kT5OGjGRCgQ0Tg0P0Q/viewform" style="text-align: start;">Personal Financial Strategy Survey!</a><span style="font-size: large; text-align: start;"> for us to know that you are really interested <<<</span></div>
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Anonymoushttp://www.blogger.com/profile/17269073820752645523noreply@blogger.com0tag:blogger.com,1999:blog-8151079644198445065.post-74863862519588676952013-05-31T13:44:00.002+08:002013-08-27T08:47:03.264+08:00FINANCIAL LITERACY, How Important Is It For You?<span style="font-size: large;"><span style="text-align: justify;"> Based on Bangko Sentral ng Pilipinas Gov. Amando M. Tetangco Jr., Filipinos are more financially literate now than five (5) years earlier, their financial IQ lifted by more than four (4) percentage point over five years to 52%.</span></span><span style="text-align: justify;">*1</span><br />
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<h3>
<b><span style="font-size: large;">Let’s define first what is financial literacy?</span></b></h3>
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<span style="font-size: large;">Financial literacy is the ability to understand…</span><br />
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<li><span style="font-size: large;">how money works in the world</span></li>
<li><span style="font-size: large;">how someone manages to earn or make it</span></li>
<li><span style="font-size: large;">how that person manages it</span></li>
<li><span style="font-size: large;">how he/she invests it (turn it into more) and</span></li>
<li><span style="font-size: large;">how that person donates it to help others</span></li>
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<span style="font-size: large;"> More specifically, it refers to the set of skills and knowledge that allows an individual to make informed and effective decisions with all of their financial resources.</span>*2</div>
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<span style="font-size: large;"> But still many of us lack of financial knowledge that leads to financial mistakes. Because many of us lack of financial planning, depend on someone else when it comes to money matter, no discipline and always procrastinating, and most importantly they don’t have any financial strategy.</span></div>
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<span style="font-size: large;"> But the good thing here today is that there are many institutions, groups, individual, and non-profit organizations are ready to help us to increase our financial IQ. And there are also many books that we can buy and read to enhance our knowledge in terms of investing. There are also many seminars that you can attend to let you fully understand different financial matters. But remember information is nothing without any application, so we should also know how to apply it.</span></div>
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<span style="font-size: large;"> So as part of my noble mission to everyone, I would like to share and impart to you the lesson’s I’d learned either in books, seminars, internet, or even in an individual person. I hope this could be your start to increase your financial literacy. This is really important!</span></div>
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<span style="font-size: large;">To your financial freedom,</span><br />
<div style="font-size: x-large; text-align: left;">
<br /></div>
<span style="font-size: large;">Joseph Zuela, </span>Assoc. Financial Planner (AFP)<br />
<br />
<br />
<span style="font-size: large;">P.S. I do personally conduct Money Management Seminar to everyone who needs information. You can reach me at my number 0999-580-7013.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">>>>Do you think you really need to start managing your finances. We can help you together with my mentors and coach in our company. Accomplish first </span><a href="https://docs.google.com/forms/d/1mtyztzydPqSYLCo65AEkHcPJ3kT5OGjGRCgQ0Tg0P0Q/viewform">Personal Financial Strategy Survey!</a><span style="font-size: large;"> for us to know that you are really interested<<<</span><br />
<br />
<span style="font-size: large;"></span><br />
<div style="text-align: justify;">
<span style="font-size: large;"><br /></span></div>
<span style="font-size: large;">
</span></div>
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*1<a href="http://businessmirror.com.ph/index.php/business/banking-finance/3267-pinoys-financial-iq-now-at-52">http://businessmirror.com.ph/index.php/business/banking-finance/3267-pinoys-financial-iq-now-at-52</a></div>
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*2<a href="http://en.wikipedia.org/wiki/Financial_literacy">http://en.wikipedia.org/wiki/Financial_literacy</a></div>
Anonymoushttp://www.blogger.com/profile/17269073820752645523noreply@blogger.com0