- According to a survey, 40% of people over 65 years old have to continue working, 30% depend on relatives, 20% depend on government pensions, 8% depend on charities, and 2% are financially independent. - Financial experts recommend paying yourself first by saving money from each paycheck, raising your financial intelligence, and investing savings in assets like businesses, stocks, bonds, or mutual funds to achieve financial independence. - Insurance is recommended if someone depends on you for financial support. Philam Life's GUARDIAN plan provides affordable life insurance and options to add accident, disability, and hospitalization coverage for flexible protection terms.

12. • 40% have to keep on working
• 30% depend on their relatives
• 20% depend on their SSS/GSIS
• 8% depend on charitable institution
• 2% are financially independent
Bo Sanchez
8 Secrets of the Truly Rich
Survey Says on People Over 65 Years Old

14. But I cannot
save ‘cause my
salary is not
even enough
to cover my
current
expenses!
Common Response

15. • Pay yourself first
Robert Kiyosaki
Rich Dad, Poor Dad
• Financial independence is
within everyone’s reach
Francisco Colayco
Wealth Within Your Reach
Pera Mo, Palaguin Mo
• Raise your financial IQ
Bo Sanchez
8 Secrets of the Truly Rich
What Financial Gurus Say

16. Cost of Waiting

17.  Earnings – Expenses
= Savings
---------------------------------
Earnings – Savings
= Expenses
How to Save

18. Bo Sanchez
Control Your Cash
Ways You Can Save

19. – Own business
– 4 out 5 close shop within 5 years; you must be very familiar
with the business
– Franchising
» Philippine Franchise Association
www.pfa.org.ph
– Multi-level Marketing
» Beware of scams!
– Bonds & Stocks
– Higher interest for bonds, but may require high investment
– Stocks are highly speculative
– Needs constant monitoring
– CitisecOnline
www.citiseconline.com
– Bo Sanchez’s Truly Rich Club
Where to Put Your Savings

20. If you do not have time to monitor your investments . . .

41. Do I need
insurance
protection?

42. You need insurance protection if:
Somebody
depends
on you for
their
financial
needs

43. If you do, we recommend
Philamlife’s
GUARDIAN

44. GUARDIAN: We safeguard
your nearest and dearest
• Guaranteed Life Insurance Protection at Affordable Price
• Increase your protection coverage by adding accident, disability,
and hospitalization benefits.
• Flexible Protection Plan - choose to be covered for 1 year, 5 years,
10 years, 20 years, or until you turn 65
• Select from different payment schedules - Pay one-time or
regularly, or pay for 5 years, 10 years or 20 years
• Attach accident, disability and hospitalization benefits to further
enhance your protection coverage
• Renewable and Convertible Protection Plan - Easily renew your
coverage after the life of your policy
• Convert your plan to another type of life insurance coverage within
a certain period of time, without proof of insurability.

45. Act
Now!

46. ACT NOW!
Contact us:
Robert Dy T# 646-8958
Mobile # 775-4251
Cel # 0939-9017412
Cel # 0905-2832875
rgdy0515@yahoo.com
Fe Dy Cel # 0919-4210688
femdy714@yahoo.com