Financial Education IMG - Relita Pascua

31/08/2026

YOUR DEFEAT IS NOT YOUR END

31/08/2026

Small expenses may seem harmless, but they can add up over time. This Monday, take a closer look at where your money goes and make every peso count.

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16/08/2026

The best Financial formula (INCOME less TITHES less SAVINGS equals EXPENSES)
100% Income
-10% Tithes
-20% Savings/Investments
__________
70% = Expenses

It's PAY DAY for most people today.

The question is, have you paid yourself first yet?

These are among the value of being an IMG member:
👉 Education becomes ex*****on.
👉 Right environment becomes right habits.
👉 Buy shares of stocks conveniently thru our IMG portal.
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👉 Many more...

16/08/2026

Gusto mo ng steady monthly income from global investments? Kayang-kaya na!

Introducing the Manulife Global Equity Diversified Income Feeder Fund!

Ang fund na ito ay nag-iinvest sa iba’t ibang global companies tulad ng Google, Microsoft, Samsung, Citigroup para makakuha ng potential growth mula sa global markets habang naghahanap din ng regular income opportunities.

Its target fund aims to deliver around 10% annualized yield for its investors!

At dahil available ito sa Rampver Online, ang income payouts mo ay automatic na nire-reinvest pabalik sa fund. Ibig sabihin, nadadagdagan ang investment mo at mas napapakinabangan mo ang power of compounding habang tumatagal.

Start growing your money globally, one smart step at a time.

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16/08/2026

16/08/2026

True….

You can't predict what life will bring, but you can prepare for it. Having a financial plan helps give your family the security and peace of mind they deserve.

Protect what matters most.
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16/08/2026

Investing consistently…,

16/08/2026

Dapat sana kasa sa school ang pagtuturo g Financial education

A diploma can prove you passed your classes. It can’t prove you know what to do with your first paycheck.

That’s why financial literacy deserves a place beside math, science, and writing.

Budgeting. Taxes. Credit. Emergency savings. Investing. Retirement accounts. These aren’t “adult problems” to learn after graduation—they’re decisions that can shape decades of your life.

The Associated Press highlighted how more states are adding personal-finance education in high school; since 2020, nine states had added mandates, bringing the total to 30. The courses cover practical skills such as earning, budgeting, saving, investing, credit, and risk.

And college students are entering a world where money mistakes can become expensive lessons. AP advised students to build a budget, track expenses, understand student loans, establish savings, and use credit carefully—especially paying balances they can afford to repay each month.

Adults are feeling the pressure. CNBC reported that 62% of Americans surveyed by Bankrate felt behind on emergency savings, showing why understanding money isn’t just about becoming wealthy—it’s about becoming financially resilient.

The most important financial lesson may be: money is a tool. Learn how it works before you need it.

Teach a teenager how compound growth works. Show them how interest and credit work. Explain taxes. Help them build a budget. Then teach them that investing is a long game, not a shortcut.

Financial literacy won’t solve every financial challenge. But knowing the basics can help people make better decisions when the stakes are real.

Disclaimer: This content is for educational and informational purposes only.
It is not financial, investment, tax, or legal advice.

16/08/2026

Most people don’t have a money problem. They have a money-habit problem.

The six rules in this graphic sound simple, but they become powerful when you actually live by them: don’t borrow for things you can’t comfortably afford, be careful mixing money with friendships, keep spending below your income, build the ability to replace what you own, save before you spend, and choose long-term value over the cheapest price.

And the timing matters.

Americans are carrying a huge amount of consumer debt. Credit-card balances reached about $1.26 trillion in the second quarter of 2026, according to the Federal Reserve Bank of New York, while auto loans reached a record $211 billion. That makes the basic principle behind these rules even more relevant: financial freedom is not just about earning more—it is also about keeping more of what you earn and avoiding unnecessary debt.

Savings are another warning sign. Bankrate’s 2026 Emergency Savings Report found that 29% of Americans have more credit-card debt than emergency savings, while only 44% say their emergency savings exceed their credit-card debt. Bankrate also notes that building an emergency fund and reducing high-interest debt are both major priorities for many households.

That’s why “pay yourself first” isn’t just a motivational phrase. It is a practical habit. Even a small automatic transfer every payday can gradually create a financial cushion. Bankrate says three to six months of essential expenses is a commonly recommended emergency-fund target, although the right amount depends on your circumstances.

You don’t need to become rich overnight. Start by making fewer expensive mistakes, protecting your cash flow, increasing your income, and giving your savings time to compound.

Wealth is often built quietly—one disciplined decision at a time, over years, not overnight.

Disclaimer: This content is for general educational and informational purposes only, not personalized financial advice.
Financial decisions should be based on your own circumstances and, when appropriate, guidance from a qualified professional.

07/04/2026

Everything is temporary..
Be a good person!

Life is a continuous cycle of vastly different seasons. Sometimes you are thriving, completely full of life and surrounded by massive growth. Other times, you feel completely stripped bare, weathering incredibly harsh storms and cold winters. But you must constantly remember: absolutely nothing is permanent. Your darkest days will eventually pass, and your brightest days require deep appreciation before they naturally fade. Stand tall through every single season, endure the brutal winters, and fully trust that your spring is coming. 🌳🍂✨