THE VALUE OF SAVING THOSE SMALL CHANGE

Many people think that the only way to earn big in savings, you have to save big! Have you tried saving a considerable amount in the bank? How much interest did you earn? Let me tell you this. I have a P500K (Five hundred thousand pesos) time-deposited in one of the leading banks here in the Philippines. Do you want to know how much interest I earn per annum? 2%! That's not a typo and you're not hallucinating. It's two percent! It's like I'm earning P700 per month for my P500 thousand savings. Do you think If I keep on saving like that, I will retire financially secure? I don't have to answer that. It's obvious. We'll maybe if I have millions in that same account, then it's another story. But I don't have millions. Many of us don't have millions to save. Even having a hundred thousand in savings is not easy for most of us. So you maybe asking, what's my point? My point is, is that you actually don't need to save tens or hundreds of thousands or even millions to be able to earn big. The secret is in continuously saving. Even at small amounts. Did you know that if you save at least P34 per day (that's nothing compared to what you spend in your coffee), in 35 years you will have P5.8 million! And that's just for P34 per day! I can easily save more than that. But how do you do it? Getting this P5.8 million out of saving P34 per day? Attend our Free Financial Education classes and you will be taught how to squeeze the most out of your savings. You will be taught how to get out of poverty, how to prepare yourself to a happy retirement with millions in your account. God bless you and may your dreams come true!

If you want to attend FREE Financial Education classes, e-mail: grow_your_money@rocketmail.com or hornetsnest29@yahoo.com for details.

Why It Is Good To Invest

Do you ever dream of becoming financially independent one day? What is financial independence? Financial independence is when you don't anymore rely on your work for your financial needs. It is when you are not working for the money, but, the money works for you instead. How do you achieve this? Through investments. Investments in a business venture or investment in paper assets (i.e. Mutual Funds, Bonds, Stocks, etc.) A successful investment in any of these two or a combination of these two can surely bring you financial independence. Of these two, paper asset is the easier one. why? Because for a small amount of money, you can start investing and you don't have to spend much of your time looking after it. How much do you need to invest? I've met a lot of people who said that investing is only for the rich. No wonder why there is only a few percentage of the 90 million Filipinos who are rich because of that wrong mentality. They would not have that kind of mindset if they were only properly financially educated. It is this lack of financial education that is the root-cause of this ignorance. In one of the Financial Education session I have attended, I learned that in the United States, 95% of the savings goes to investments and only 5% goes to the bank. In the Philippines, it is the exact opposite! 95% of the Filipinos' savings are in the banks and only 5% are invested. Now you know why in the Philippines, the rich gets richer and poor gets poorer. Low financial IQ. The truth of the matter is that, you don't have to be rich to start investing! In the case of Mutual Funds, you need only P5000 to open an account in one of the Philippines top mutual fund company and then for the succeeding months, you can put in as low as P1000/month. For how long? It depends on how much do you want to have. Do you know that if you have the discipline to save at least P1000/month and then invest it in a mutual fund that gives you a 12% interest rate per annum, you will have P5,813,557 in 35 years? You might say, "That's too long!" Well then, try putting that same amount in the bank for 35 years, do you think you'll get the same amount? We're only talking of P1000/month or P34/day! What if you can save more than that? If you stop drinking that very expensive coffee, if you stop that habit of buying unnecessary items, I'm sure you can save more than P34/day. Sacrifice just a bit, and you will reap your abundant reward. But be on guard against SCAMS! Before investing, be FINANCIALLY EDUCATED first! There are risks in investments. But when you are financially educated, you can easily manage these risks and come out successful in the end. My friend, know that there is no shortcut to financial independence. Growing your money is not an overnight phenomenon. It took Henry Sy about 50 years to bring SM to where it is today. Money takes time to grow. That is why, the earlier you start saving/investing, the less money you need to invest but the more you will gain. The earlier you achieve financial independence, the earlier you can retire and start enjoying life to the fullest!

Be blessed so you can bless others too!

Josh

P.S.
We are regularly conducting FREE Financial Education sessions. If you wish to attend, and I strongly advice that you attend (it is for FREE and no one else is doing it), send your email and your contact details to: grow_your_money@rocketmail.com or SMS me at 09196227997. Learn how to start your own business (this is not NETWORKING!) for as little as P4000. Yes, just a P4000 capital and you don't have to leave your present job.