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Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
Cad Synergy's HOW MONEY WORKS FOR YOU
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Cad Synergy's HOW MONEY WORKS FOR YOU

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  • 1. Phases of Life Day 1 to 25 26 Years to 55 AGed 56 and Years Old Years Old Above Growing Stage Working Stage Retirement Stage- No worries - Working long hours - Old Age- Fully supported - Worries about your - Jobless by parents parents - Still facing - Paying for Mortgages, Inflation - Children’s Education - Unavoidable - Installments Medical expense - Food - Worry about There are 3 stages in Life; - Clothing support from 1. GrowingBills - Stage children - Loans 2. WorkingFacing Inflation - Stage 3. Retirement Stage Be Prepared
  • 2. Phases of Life Day 1 to 25 26 Years to 55 AGed 56 and Years Old Years Old AboveGrowing Stage Working Stage Retirement Stage - Working long hours - Old Age - Worries about your - Jobless parents - Still facing - Paying for Mortgages, Inflation - Children’s Education - Unavoidable - Installments Medical expense - Food - Worry about - Clothing support from- No worries - Bills children- Fully supported - Loans - Facing Inflation by parents Be Prepared
  • 3. Phases of Life Day 1 to 25 26 Years to 55 AGed 56 and Years Old Years Old Above Growing Stage Working Stage Retirement Stage- No worries- Fully supported by parents - Working long hours - Worries about your parents - Paying for Mortgages, - Children’s Education - Installments - Food - Clothing - Bills - Loans - Facing Inflation
  • 4. Phases of Life Day 1 to 25 26 Years to 55 AGed 56 and Years Old Years Old Above Growing Stage Working Stage Retirement Stage- No worries - Working long hours- Fully supported - Worries about your by parents parents - Old Age - Paying for Mortgages, - Children’s Education - Jobless - Installments - Still facing - Food Inflation - Clothing - Unavoidable - Bills - Loans Medical expense - Facing Inflation - Worry about support from children
  • 5. Fundamentals of Financial Planning There are 2 Lifeline in Financial Planning
  • 6. Fundamentals of Financial Planning Money Line or Law of Building Wealth.Money Line
  • 7. Fundamentals of Financial PlanningResponsibilityLine Responsibility Line or Law of Decreasing ResponsibilityMoney Line
  • 8. Fundamentals of Financial PlanningResponsibilityLine Normally, at the age of 30 ay stable na yung JOB natin.Money Line 30yrs. old
  • 9. Fundamentals of Financial PlanningResponsibilityLine And we retire at the age of 60.Money Line 30yrs. old 60yrs. old
  • 10. Fundamentals of Financial PlanningResponsibilityLine So meron kang 30 na productive years. 30yrs.Money Line 30yrs. old 60yrs. old
  • 11. Fundamentals of Financial PlanningResponsibilityLineYOU Right now ikaw yung nagwo- SALARY work so may tinatawag kang SALARY. 30yrs.Money Line 30yrs. old 60yrs. old
  • 12. Fundamentals of Financial PlanningResponsibilityLine Kung saan dito natin kinukuhaYOU lahat ng NEEDS natin. SALARY- Foods- Shelter- Clothing- Bills- Loans 30yrs.Money Line 30yrs. old 60yrs. old
  • 13. Fundamentals of Financial Planning Responsibility Line YOU Kaya lang merong 2 “IFs” na nakaka apekto sa atin. Ang una ay, What IF we SALARY- Foods DIE ; too- Shelter- Clothing- Bills- Loans soon. 30yrs. Money Line 30yrs. old 60yrs. old
  • 14. Fundamentals of Financial Planning Responsibility Line YOU At ang pangalawa ay; WHAT IF we SALARY- Foods DIE ; too- Shelter- Clothing- Bills soon. LIVE- Loans too long. 30yrs. Money Line 30yrs. old 60yrs. old
  • 15. Fundamentals of Financial Planning Responsibility Line Ngayon dito sa YOU LIVE too long, ilang years ang lifespan ng SALARY family nyo?- Foods DIE too- Shelter- Clothing- Bills soon. LIVE- Loans too long. 30yrs. Money Line 30yrs. old 60yrs. old
  • 16. Fundamentals of Financial Planning Responsibility Line YOU SALARY- Foods DIE Let say umaabot too- Shelter- Clothing ng 80 yrs old ang- Bills soon. lifespan ng family LIVE- Loans nyo. so, may 20 too yrs. Ka pa. long. 30yrs. Money Line 30yrs. old 60 80 20
  • 17. Fundamentals of Financial Planning Responsibility Line YOU So, saan mo SALARY kukunin yung gagastusin mo- Foods DIE for 20 years? too- Shelter- Clothing Sa mga anak?- Bills soon. LIVE- Loans too long. 30yrs. Money Line 30yrs. old 60 80 20
  • 18. Fundamentals of Financial Planning Responsibility Line Big YOU SAVINGS Investment SALARY- Foods DIE- Shelter- Clothing too Or, yung savings na naipon mo LIVE- Bills- Loans soon. dapat alam mo too yung investment. long. 30yrs. Money Line 30yrs. old 60 80 20
  • 19. Fundamentals of Financial Planning Responsibility Line Big YOU SAVINGS Investment SALARY- Foods DIE Yung kita ni Investment, yun ang magpi- finance sa too- Shelter- Clothing mga pangangailangan mo- Bills soon. ng panahon pagdating LIVE- Loans para sa pagkain, at gamot pag nagkasakit ka. too long. 30yrs. Money Line 30yrs. old 60 80 20
  • 20. Fundamentals of Financial Planning Responsibility Line Big YOU SAVINGS Yung DIE TO SOON, problema din yan. Investment SALARY So ano ang- Foods DIE gagawin mo kung too- Shelter- Clothing DIE TOO SOON?- Bills soon. LIVE- Loans too long. 30yrs. Money Line 30yrs. old 60 80 20
  • 21. Fundamentals of Financial Planning Responsibility Line Big YOU SAVINGS DIE too kailangan mo ngInvestment SALARY soon. protection…- Foods so,anong- Shelter Protection protection yan?- Clothing- Bills LIVE- Loans too long. 30yrs. Money Line 30yrs. old 60 80 20
  • 22. Fundamentals of Financial Planning Responsibility Line Big YOU SAVINGS DIE too Investment SALARY soon.- Foods- Shelter Protection- Clothing Ang kailangan mo ay- Bills SAVINGS… pag may LIVE- Loans nangyari sayo ano iiwan mo sa pamilya mo? So too importante ang SAVINGS. long. 30yrs. Money Line 30yrs. old 60 80 20
  • 23. Fundamentals of Financial Planning Responsibility Line Big YOU SAVINGS DIE too Investment SALARY soon.- Foods- Shelter Protection- Clothing So,kailangan mo ay Ang mahalaga- Bills SAVINGS… pag may LIVE- Loans po ang nangyari sayo ano iiwan too SAVINGS at mo sa pamilya mo? So importante ang SAVINGS. long. INVESTMENT. 30yrs. Money Line 30yrs. old 60 80 20
  • 24. Fundamentals of Financial Planning Responsibility Line Big YOU SAVINGS DIE too Investment SALARY soon. Dito, you- Foods- Shelter Protectionwork hard for your- Clothing- Bills LIVE money.- Loans too long. 30yrs. Money Line 30yrs. old 60 80 20
  • 25. Fundamentals of Financial Planning Responsibility Line Big YOU SAVINGS DIE too Investment SALARY soon.- Foods Dito naman, MONEY work- Shelter Protection- Clothing LIVE for you.- Bills- Loans too long. 30yrs. Money Line 30yrs. old 60 80 20
  • 26. Fundamentals of Financial Planning Responsibility Line Big YOU SAVINGS DIE too nabanggit ko Since Investment SALARY soon. yung- Foods investment, sabihin- Shelter Protection- Clothing ko sayo how- Bills money works. LIVE- Loans too long. 30yrs. Money Line 30yrs. old 60 80 20
  • 27. So…How MONEY works?
  • 28. So…How MONEY works? Kung ikaw ay merong 100 pesos, kelan sya magiging 200 pesos?
  • 29. So…How MONEY works? Kung malalaman mo ito, you know How MONEY works.
  • 30. So…How MONEY works? Kung ilalagay mo sa banko ang 100 mo as savings 1 % per annum deposit, meron kang 1%Savings Deposit per annum. After 1 year meron kang 101 pesos.
  • 31. So…How MONEY works? So, not a Good Plan kasi matagal.. 1 % per annumSavings Deposit
  • 32. So…How MONEY works? 4 % per annum Time Deposit 1 % per annumSavings Deposit What if 4% naman per annum, nilagay mo yung pera mo sa TIME Deposit.
  • 33. So…How MONEY works? Para hindi ka mahirapan, gamitin natin ang RULE of 72. eto 4 % per yung FORMULA na annum ginagamit ng 1 % per annum Time Deposit mayayaman kaya silaSavings Deposit lalong yumayaman.
  • 34. So…How MONEY works? Double 72 ÷ R = your money 1 % per annumSavings Deposit 72 divided by return interest equals double your money. ( 72/R=2x )
  • 35. So…How MONEY works? So, para ma doble ang 100 mo, need mo ng 18 years kung sa 4% interest per annum. 1 % per annumSavings Deposit 72÷ 4% =18 yrs.
  • 36. So…How MONEY works? Eh, paano kung 8% interest per annum? So, meron kang … 1 % per annumSavings Deposit 72÷ 4% 72÷ 8% =18 yrs. =9 yrs.
  • 37. So…How MONEY works? sa 12% naman meron kang 6 years. 1 % per annumSavings Deposit 72 ÷ 4% =18 yrs. 72 ÷ 8% = 9 yrs. 72 ÷ 12% = 6 yrs.
  • 38. So…How MONEY works? So, kung mapapansin mo, habang lumalaki ang interest, lumiliit yung TIME para ma doble ang pera mo. 1 % per annumSavings Deposit 72 ÷ 4% =18 yrs. 72 ÷ 8% = 9 yrs. 72 ÷ 12% = 6 yrs.
  • 39. So…How MONEY works? 72 ÷ 4% =18 yrs. 30 - Php100,000 Let say 30yrs. old ka at may 100,000 ka.
  • 40. So…How MONEY works? Add ka ng 18 yrs. 72 ÷ 4% =18 yrs. Para maging 200,000 ang pera mo. 30 - Php100,000 48 - Php200,000
  • 41. So…How MONEY works? Add ka uli ng 18 yrs. 72÷ 4% Para maging 400,000 ang pera=18 yrs. mo. Pero 66 na ang age mo. Age 30 - Php100,000 48 - Php200,000 66 - Php400,000
  • 42. So…How MONEY works? Eh yung 8%, Alam mo ba ÷ 4% 72 kung magkano ang=18 yrs. magiging pera mo @ the age of 66?Age30 - Php100,000 72 ÷ 8% = 9 yrs.48 - Php200,00066 - Php400,000 66 - Php ___________
  • 43. So…How MONEY works? Eh ang 12%, Alam mo ba ÷ 4% 72 kung magkano ang magiging pera mo @ the=18 yrs. age of 66?Age30 - Php100,000 ÷ 8% 72 72÷ 12% = 9 yrs. = 6 yrs.48 - Php200,00066 - Php400,000 66 66
  • 44. So…How MONEY works? 72÷ 8% 72 ÷ 12% ÷ 4% 72 = 9 yrs. = 6 yrs.=18 yrs.Age 66 6630 - Php100,00048 - Php200,000 1.6million66 - Php400,000 Sa 8%,ang total na pera mo ay 1.6 million
  • 45. So…How MONEY works? ÷ 8% 72 72÷ 12% ÷ 4% 72 = 9 yrs. = 6 yrs.=18 yrs.Age 66 6630 - Php100,00048 - Php200,000 1.6million 6.4million66 - Php400,000 At sa 12% naman, ang total na pera mo ay 6.4 million
  • 46. So…How MONEY works? Time Deposit 72÷ 4% 72÷ 8% 72 ÷ 12% =18 yrs. = 9 yrs. = 6 yrs. 100,000 100,000 100,000 66 66 66 400,000 1.6million 6.4million Paano nangyari yan eh samantalang pareho lang naman nilabas kong pera..
  • 47. RULE OF 72 AGE 4% AGE 8% AGE 12%Money doubles every 18yrs. Money doubles every 9 yrs. Money doubles every 12yrs. 30 100,000 30 100,000 30 100,000 48 200,000 39 200,000 36 200,000 66 48 42 400,000 400,000 400,000 48 800,000 57 800,000 54 1,600,000 66 1,600,000 60 3,200,000 66 6,400,000 Eto po yung computation bakit magkakaiba ng pera mo @ the age of 66.
  • 48. Its time for you to save na… so, gusto mo na bang mag save sa 8% at 12%? RULE OF 72 AGE 4% AGE 8% AGE 12%Money doubles every 18yrs. Money doubles every 9 yrs. Money doubles every 12yrs. 30 100,000 30 100,000 30 100,000 48 200,000 39 200,000 36 200,000 66 400,000 48 400,000 42 400,000 48 800,000 57 800,000 54 1,600,000 66 1,600,000 60 3,200,000 66 6,400,000
  • 49. The difference of investing NOW & Investing later, is mas malaki yung perang naipon ni NOW compare kay LATER.(5yrs lang ahead ni NOW nung nag Invest sya.) @ Age 66 = @ Age 66 =6,184,433.09 3,470,309.00
  • 50. So, what is your GOAL in LIFE?How much do you want to earn once you RETIRE? GOAL SETTING na tayo…
  • 51. GOAL Check Points Let say you want an early retirement @ the age of 50 and you want 30,000 monthly living expenses. Monthly I must save to reach my goal I can afford to save at present30 50 60 Balance
  • 52. GOAL Check Points 3.6million So, 30,000 x 12 = 360,000 Lets prepare 10years so times 10 is 3,600,000 Monthly I must save to reach my goal I can afford to save at present30 50 60 Balance
  • 53. GOAL Check Points Age Amount 50 3,600,000 3.6million 44 1,800,000 Plot natin dito yung age 50 at yung goal mo na 3.6million. Now apply natin yung rule of 72. so 50 less 6years is 44. then magiging 1,800,000. Monthly I must save to reach my goal I can afford to save at present30 50 60 Balance
  • 54. GOAL Check Points Age Amount 50 3,600,000 3.6million 44 1,800,000 38 900,000 Then 44 less 6yrs. Is 38… then half of Monthly 1,800,000 is 900,000. I must save to reach my goal I can afford to save at present30 50 60 Balance
  • 55. GOAL Check Points Age Amount 50 3,600,000 3.6million 44 1,800,000 38 90,000 32 450,000 Again, 38 less 6 yrs. Is 32..and half of 900,000 is 450,000. Monthly I must save to reach my goal I can afford to save at present30 50 60 Balance
  • 56. GOAL Check Points Age Amount 50 3,600,000 3.6million 44 1,800,000 38 900,000 32 450,000 30 Your Age Since 30 yung age mo, sa 38 tayo magset para mahaba yung Monthly leadtime mo. I must save to reach my goal I can afford to save at present30 50 60 Balance
  • 57. GOAL Check Points Age Amount 50 3,600,000 3.600,000 44 1,800,000 900,000 38 900,000 32 450,000 30 Your Age 8 So 8 years yung leadtime mo Monthly para makaipon my goal reach ng I must save to 900,000.present I can afford to save at30 38 50 60 Balance
  • 58. GOAL Check Points Age Amount 50 3,600,000 3.600,000 44 1,800,000 900,000 38 900,000 32 450,000 30 Your Age 8 So, 8 years x 12 = 96 months… then, Monthly 900,000 divided by I must save to reach my goal 96 is 9,375. to I can afford save at present30 38 50 60 Balance
  • 59. Check PointsGOAL Age Amount 50 3,600,000 3.600,000 44 1,800,000 So, ang dapat na monthly 900,000 mo ay 9,375. ang 38 900,000 savings 32 450,000 tanong magkano ang kaya mong I save sa isang 30 Your Age buwan? 8 Monthly I must save to reach my goal 9,375 I can afford to save at present30 38 50 60 Balance
  • 60. Check PointsGOAL Age Amount 50 3,600,000 3.600,000 44 1,800,000 900,000 38 900,000 Let say 2,000 lang ang kay 32 450,000 mong savings per month. 30 Your Age So, may kulang ka pa na 7,375.. Saan mo po 8 kukunin ang 7,375? Monthly I must save to reach my goal 9,375 I can afford to save at present 2,00030 38 50 60 Balance 7,375
  • 61. GOAL SETTING naman tayo sa target mong 7,375/month … Tara, usap tayo.. Jolan - 09294772168

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