Romar A. Esporas - IMG Financial Coach

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Financial Education; Teaching the simple but comprehensive approach to financial planning and investment; how to build a solid financial foundation and secure your financial
future.

Bakit nga ba ang MUTUAL FUNDS (STOCK MARKET) ang makabagong paraan, safe, legal at tamang paraan ng pagiipon? 🤔🔘Affordab...
15/03/2023

Bakit nga ba ang MUTUAL FUNDS (STOCK MARKET) ang makabagong paraan, safe, legal at tamang paraan ng pagiipon? 🤔

🔘Affordability (₱ 5,000.00 minimum initial investment, and now ₱ 1,000.00 minimum investment just recently)

🔘High Potential Earnings (average na 10 - 20% earnings kada taon)

🔘Professional Fund Management (full-time, skilled & professional portfolio managers ang in-charge para mag-manage ng pondo ng mga investors)

🔘Tax-Exemption (base sa R.A. 8424 o Tax Reform Act of 1997, hindi kabilang ang mutual fund earnings sa pinapatawan ng 20% withholding tax)

🔘Liquidity (withdraw or redeem your shares anytime you want)

🔘Safety and Regulation (mutual fund companies ay regulated ng Securities & Exchange Commission at audited regularly ng mga external auditors)

🔘Diversification (para mabawasan ang risk up to 10% ng pondo ang maaaring i-invest sa isang company o secutiry kaya ang pera mo ay distributed sa average na 10 kumpanya - mas lamang ang panalo kaysa talo)

Attend our FREE FINANCIAL Class today at 4PM and 7PM via Zoom

Message me to assist you 😊

Five tips to start investing in the Philippine stock market through mutual fund. Remember even an ordinary Juan can put ...
14/03/2023

Five tips to start investing in the Philippine stock market through mutual fund. Remember even an ordinary Juan can put their money into the Stock Market indirectly:

1. Know your investment goal.
2. Know what the stock market and mutual fund is.
3. Know your risk profile.
4. Set aside some of your money to start.
5. Allot time to learn for investing.

Stock market is not just for the Wealthy, it's for every Juan.

Learn first before invest.

To learn more, click the link below👇
https://137778ph.imgcorp.com/




INVEST with a Purpose!Ano ba ang Financial goals? "Financial goals are targets, usually driven by specific future financ...
08/06/2022

INVEST with a Purpose!

Ano ba ang Financial goals?
"Financial goals are targets, usually driven by specific future financial needs. Some financial goals you might set as an individual include saving for a comfortable retirement, saving to send your children to college, or managing your finances to enable a home purchase".
May mga tao nag iinvest sa isang bagay pero walang purpose (masabi lang na mayron syang investment).
Make sure we INVEST and naka tie up sya sa Purpose or Objective natin.
Sample Financial Goals:

1. HEALTHCARE = alam naman natin na pagtanda natin dyan lumalabas ang mga sakit natin “The Greatest Wealth is your Health” ika nga. Walang mayaman at mahirap kapag sakit na ang pinagusapan. Kahit gaano kadami ang pera mo kung wala kang LONGTERM HEALTHCARE problem yun. Magastos magkasakit lalo na during our old age.
Note:
Philhealth = benefits na galing gobyerno pero may limit lang po ito. Hindi nito kayang I covered and buong hospitalization bill mo.

2. RETIREMENT FUND = isa sa dapat natin I priority ang Financial Goals na ito. And daming tao na nag work for 20-30 year but still end up retiring poor pa din. Why? Kasi hindi nag ipon at naghanda para sa kanyang retirement noong kumikita pa sya.
Did you know that only 2% sa mga Senior Citizen ngayon achieve Financial Freedom? 98% are financially broke? San mo gustong mapunta kapag nag retire ka? Isip isip po tayo kapag may time.

3. COLLEGE EDUCATION = kailangan din natin mag invest kung gusto nating pag-aralin sa magaganda at malalaking school ang ating mga anak lalo na college education.
Do you know how much you need to send your child into college?
Estimated College Education Cost (4 year Course)
Private = 1 million
Public = 400K
Ang gastos magpa college diba, kaya need natin mag invest habang maliliit pa mga anak natin.

4. DREAM HOUSE, CAR and VACATION = importante din itong mga Financial Goals na ito kung bakit tayo dapat mag iinvest. Ang iba gusto ng "Instant Gratification" eh, madaling kumuha ng bahay at kotse ngayon. Sa kotse na lang, 50K downpayment meron ka ng bagong car, pero isipin natin yung mga susunod na taon kung kaya ba natin itong bayaran? And dami kong nakita sa isang bank na madaming mababatak na kotse 2-3 years lang nilang nahulugan tapos makikita mo na sa website ng bangko na for sale na sya or foreclosed properties (housing loan). Ganun din sa pagkuha ng bahay. May suggestion is as a Financial Educator is “Kung kaya mong maghulog ng 20% or more pa para makakuha ng bagong bahay at kotse , do it” huwag masilaw sa maliit na down payment pero mahihirapan ka naman sa paghuhulog every month.

Again, INVEST with a Purpose!

Gusto mo bang matutunan kung paano mo ma-aachieve ang mga Financial Goals mo and paano mo ito masisimulan?

Attend our FREE Financial Literacy Class.
Just send me a message.
"Our goal is to EDUCATE families"

Asset vs Liability Son: Dad, may I speak with you?Dad: Go ahead.Son: Among all my classmates, I am the only one without...
31/05/2022

Asset vs Liability

Son: Dad, may I speak with you?
Dad: Go ahead.
Son: Among all my classmates, I am the only one without a car. It is embarrassing.
Dad: What do you want me to do?
Son: I need a car. I don't want to feel odd.
Dad: Do you have a particular car in mind?
Son: Yes dad (smiling)
Dad: How much?
Son: 200,000 pesos
Dad: I will give you the money on one condition.
Son: What is the condition?
Dad: You will not use the money to buy a car but invest it. If you make enough profit from the investment, you can go ahead and buy the car.
Son: Deal.

Then, the father gave him a cheque of 200,000 pesos. The son cashed the cheque and invested it in obedience to the verbal agreement that he had with his father.

Some months later, the father asked the son how he was faring. The son responded that his business was improving. The father left him.

After some months again, the father asked him about his business
again and the son told him that he is making a lot of profit from the business.

When it was exactly a year after he gave him the money, the father asked him to show him how far the business has gone. The son readily agreed and the following discussion took place:

Dad: From this I can see that you have made a lot of money.
Son: Yes dad.
Dad: Do you still remember our agreement?
Son: Yes
Dad: What is it?
Son: We agreed that I should invest the money and buy the car from the profit.
Dad: Why have you not bought the car?
Son: I don't need the car again. I want to invest more.
Dad: Good. You have learnt the lessons that I wanted to teach you.
- You didn't really need the car, you just wanted to feel among. That would have placed extra financial obligations on you. It wasn't an asset then; but a liability.
- Two, it is very important for you to invest in your future before living like a king.
Son: Thanks dad.

Then the father gave him the keys of the latest model of that car.

MORALS:
1. Always invest first before you start living the way you want.

2. What you see as a need now may become a want if you can take a little time to get over your feelings.

3. Try to be able to distinguish between an asset and a liability so that what you see as an asset today will not become a liability to you tomorrow.

Tama or tinamaan ka?Kahit P33 or P100 pa ang idagdag araw araw sa sahod natin at hindi mo pa rin ito mai- manage ng tama...
21/05/2022

Tama or tinamaan ka?
Kahit P33 or P100 pa ang idagdag araw araw sa sahod natin at hindi mo pa rin ito mai- manage ng tama, kapos pa din.
Financial Education is the key...

Learn how to MAKE, SAVE, GROW and PROTECT money the RIGHT way.

Attend our FREE Financial Coaching Webinar via Zoom.
PM for schedule.


"Sabi ng marami mahirap mag ipon!🤔alin ba ang mas mahirap?mag-ipon o ang tumandang walang ipon?kung hirap ka ngayon na m...
20/05/2022

"Sabi ng marami mahirap mag ipon!🤔

alin ba ang mas mahirap?

mag-ipon o ang tumandang walang ipon?

kung hirap ka ngayon na may trabaho kpa, paano na kapag matanda na at wala ng trabaho?

Reminder:

✔️Ang edad natin ay umuusad
✔️Ang trabaho natin ay temporary
✔️Ang lakas natin ay temporary
✔️Kung wala tayong gagawin ngaun na bata pa, malakas at may trabaho pa, cegurado sa oras na katawan natin na ang sumuko sa atin maaala mo ang mga sinabi ko...promise!

Why?

✔️Because...No matter what your excuse is, one thing for sure you're going to get old next year!!! walang ligtas lahat tayo dito patungo..
✔️No matter what your excuse is you'll eventually retire and stop making active income, You have to take an action ,secure your future now to have passive income.

📌Financial Education is not just for the wealthy, it's for everyone.

📸cto

Here's the secret of the wealthy that the majority of Filipinos don't know:• 99% of Filipinos deposit their money in the...
20/05/2022

Here's the secret of the wealthy that the majority of Filipinos don't know:

• 99% of Filipinos deposit their money in the banks. Interest rates? 0-1% annually.

• Only 1% OWN SHARES of the banks. They invest through the stock market. Interest rates, not guaranteed but when you invest long enough to see your money grow, it's 10-30% annually.

• Bank savings & checking accounts are only good for business transactions & emergency funds. It’s not made for long term investments. That’s why they will not give you big interest rates.

Become an investor instead of a depositor. Depositors don’t make money. Only investors make money.

Be financially literate.
It pays to know!

Attend IMG’s FREE financial coaching classes to know more about investing. We have regular classes nationwide & abroad.
Pm me for the schedules


Kaya mo bang mag-save ng 20Pesos everyday? 🤔 kung yes, then kaya mong yumaman! Thanks to IMG! 🙌 ang mga members ay pwede...
06/04/2022

Kaya mo bang mag-save ng 20Pesos everyday? 🤔 kung yes, then kaya mong yumaman!

Thanks to IMG! 🙌 ang mga members ay pwedeng mag-invest sa Mutual Fund for as low as 20 pesos!

Be an IMG member.

Be Financially Educated.

Save and Invest for your future 🙌

Message me po para ma assist kita. ✍️

Why is Kaiser the BEST Health Care Insurance? It's a 3 in 1 Savings Plan. It has Healthcare, Life Insurance & Investment...
23/03/2022

Why is Kaiser the BEST Health Care Insurance?
It's a 3 in 1 Savings Plan. It has Healthcare, Life Insurance & Investment.
Have a healthcare not only for critical illnesses. Pay only for 7 years & be have a healthcare til 100 yo.
How it works?
✔ The Health Care Benefit can be used lifetime even if you're 60 years old and above.
✔ 85% of the contract price will be given at the maturity date if Kaiser Long Term Care is NOT USED during the 7 years paying period. (LONG TERM CARE BONUS)
✔ Life Insurance or Instant Money will be given to the beneficiary incase the plan holder dies too soon.
✔ Waiver of Installment due to Death. Automatic, the Kaiser Plan is fully paid even if the plan holder just paid 1 year and the health care coverage will be transferred to the beneficiary.
✔ Portion of the fund is invested in Mutual Funds.
✔ On the maturity date, it is GOOD AS CASH. If you wish not to withdraw everything, remaining balance will continue to grow earning 10% interest compounded annually.
• Who can avail this Kaiser LTC? - Ages 10 to 60 years old only.
If you don't want to give a burden to your family either cases YOU DIE TOO SOON or LIVE TOO LONG, then prepare it now.
Start your Kaiser 3in1 Long Term Healthcare.
MESSAGE US for more details and free quotation! 📩
*Lower & Higher Plan Type are available.*

Apply Now 👇
https://137778ph.imgcorp.com/quote/kaiser

Ganda ng Marketing Strategy ni 7/11 sa "Speak Cups" para sa election noh?Mapapawow ka na lang talaga! Malaking sana all!...
14/03/2022

Ganda ng Marketing Strategy ni 7/11 sa "Speak Cups" para sa election noh?

Mapapawow ka na lang talaga! Malaking sana all! 🙂

PERO alam mo ba na ang Philippine Seven Corporation ang may hawak ng 7/11 operation dito sa Pilipinas?

At alam mo ba na mas mura mag-invest dito kumpara sa mag-open ka ng franchise ng 7/11?

Alam mo rin ba sa Soldivo Strategic Growth Fund hindi lang sa 7/11 ka investor may other 9 big companies ka pa?

Gusto mo ba ito matutunan?
Gusto mo na bang mag-start mag-ipon?

Sa IMG, meron kang benefit at exclusive access sa mga Mutual Funds at 0% entry fee.

Join us!
👉 https://137778ph.imgcorp.com/


Ctto

If you ask me,⭕ WHAT should be doing now?- You should start saving and investing for your future!⭕ WHY would I save and ...
11/03/2022

If you ask me,

⭕ WHAT should be doing now?
- You should start saving and investing for your future!

⭕ WHY would I save and invest?
- Because you have a big dream!

⭕ WHEN should I start?
- The answer is NOW! Don't wait any longer!

⭕ HOW to start?
- Very simple! Join IMG! Become your own money manager!

⭕ WHO will help me to start?
- Hey! That's why we are here, IMG will teach you how to do it. 😊

Mas naging clear yung dreams ko ngayon kasi atleast unti-unti kong nalalaman yung steps how to reach that. It's easy to set a goal, right? But the question is, HOW?

TAKE ACTION! Secure your future now! Walang ibang dapat tumulong sayo pag matanda kana, kundi ang batang version mo. 😊

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