A Short Guide to Identifying Footprints on Tracking Tunnel ...
VMBS Proprietory Guide: Footprints
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Transcript of VMBS Proprietory Guide: Footprints
What is Financial Independence?
Financial Independence can mean different things to different persons.
Someone who is on their journey towards Financial Independence, has
GRFXPHQWHG�FOHDU�JRDOV��FUHDWHV�VSHFLĺF�SODQV�IRU�DFKLHYLQJ�WKHVH�JRDOV�DQG�feels that he or she is making progress toward these goals.
$W�HYHU\�VWDJH�RI�OLIH�\RX�PD\�KDYH�GUHDPV�WKDW�\RX�ZDQW�WR�DWWDLQ��EXW�\RX�PD\�QRW�KDYH�WKH�UHVRXUFHV�RU�WKH�NQRZ�KRZ�WKDW�ZRXOG�KHOS�\RX�WR�PDNH�WKHP�D�reality.
7KH�NH\� WR�DFKLHYLQJ�Financial Independence� LV�EHLQJ�GHOLEHUDWH�DERXW�JRDO�setting. This requires you to transform your thoughts, focus all your attention on
your dreams, prioritise your goals, create an action plan, usually with the aid of an
H[SHUW�ĺQDQFLDO�SDUWQHU��DQG�FRQVLVWHQWO\�WDNH�WKH�QHFHVVDU\�VWHSV�WR�DFFRPSOLVK�\RXU�REMHFWLYHV��
7KH�9LFWRULD�0XWXDO�*URXS�LV�UHDG\�WR�KHOS�\RX�SODQ�IRU�\RXU�ĺQDQFLDO�JRDOV�DQG�play an integral part in your journey towards Home Ownership and Financial
Independence.
FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 1
Independence.
Educate yourself about options for investing
The Financial Planning ProcessLet’s get started on your journey towards Financial Independence��<RX�ĺUVW need
to understand and practice some important principles of Financial Planning.
7KLV�PHDQV�PDNLQJ�GHOLEHUDWH�FKRLFHV�ZLWK�\RXU�PRQH\�ZKLFK�ZLOO�DOORZ�\RX�WR�SURSHUO\�PDQDJH�\RXU�ĺQDQFHV�WKURXJKRXW�\RXU�OLIHWLPH�
'DQD�@QD�RNLD�NE�SGD�kM@MBH@K�CDBHRHNMR�SG@S�XNT�RGNTKC�L@JD�
J XVWLI\�\RXU�VSHQGLQJ�DQG�XVH�D�EXGJHW�WR�SODQ�IRU�\RXU�H[SHQVHVO pen a rainy day account with 3 to 6 month’s expenses
U VH�RQO\�ZKDW�\RX�QHHG�DQG�DYRLG�VSHQGLQJ�RQ�LWHPV�WKDW�DUH�QRW�SULRULW\R HVHUYH�VRPH�RI�\RXU�LQFRPH�E\�VDYLQJ�DW�OHDVW�����RI�\RXU�VDODU\�HDFK�PRQWKN RPLQDWH�IXQGV�IRU�WKH�IXWXUH�E\�PDNLQJ�ZLVH�LQYHVWPHQW�GHFLVLRQV�WR�KHOS�\RX�� increase your wealth decisions
E�YDOXDWH�\RXU�LQVXUDQFH�QHHGVY ield not to temptation
FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 2
Small savings can grow into a large
nest egg over many years
What are Your Financial Goals? Your goals will depend on the things that are important to you at different stages
RI�\RXU�OLIH���%HORZ�DUH�VRPH�RI�WKH�PDMRU�ĺQDQFLDO�JRDOV�WR�ZKLFK�PRVW�SHRSOH�aspire. 6GHBG�FN@KR�VNTKC�XNT�KHJD�SN�VNQJ�NM�@S�SGHR�SHLD��
Contact your Victoria Mutual Financial Advisor if you need assistance to
identify key goals
SAVE FOR CHILDREN’SEDUCATION
INCREASE MY SAVINGSWITH FINANCIAL
SUPPORT FROM OVERSEAS
INCREASE WEALTH
PLAN FOR MYRETIREMENT
SAVE FOR EMERGENCIES
BUY MYOWN HOME
OBTAIN HIGHER EDUCATION
INSURE PROPERTYOR MOTOR VEHICLE
PURCHASEA CAR
TAKE AVACATION
DECREASEDEBT
OPERATEMY OWN BUSINESS
FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 3
Steps to Goal Achievement ,Q�RUGHU�WR�DFKLHYH�\RXU�JRDOV��ZH�XUJH�\RX�WR�DGRSW�WKH�IROORZLQJ�VWHSV�DV�\RX�VHHN�to make your initial F O O T P R I N T S on the Home Ownership and Financial (MCDODMCDMBD�INTQMDX.
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Try not to use these funds for any purpose other than a real emergency.
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s� :ULWH�GRZQ�\RXU�JRDOVs� (VWDEOLVK�\RXU�SULRULWLHVs� +DYH�DQ�DFWLRQ�SODQs� 0RQLWRU�\RXU�SURJUHVV
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The Victoria Mutual Group KDV�D�ZLGH� UDQJH�RI�RIIHULQJV� IRU�VDYLQJV�DQG� ORDQV��UHDO�HVWDWH�DQG�SURSHUW\�VHUYLFHV��ZHDOWK�PDQDJHPHQW��PRQH\�WUDQVIHU��SHQVLRQ�PDQDJHPHQW�VHUYLFHV�DQG�JHQHUDO�LQVXUDQFH��&RQWDFW�D�PHPEHU�RI�WKH�)DPLO\�DQG�OHW�XV�KHOS�\RX�DFKLHYH�\RXU�JRDOV�
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Make saving \RXU�ƂUVW�SULRULW\�
every month
FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 4
Achieving Your Goals with:KDWHYHU�\RXU�ĺQDQFLDO�JRDOV��WKH�9LFWRULD�0XWXDO�*URXS�KDV�D�SURGXFW�WR�VXLW�\RXU�QHHGV��6HH�RXU�UHFRPPHQGDWLRQV�EHORZ�IRU�VROXWLRQV�WKDW�ZLOO�KHOS�\RX�WR�DFKLHYH�PRVW�RI�\RXU�PDMRU�ĺQDQFLDO�JRDOV.
PLAN FORRETIREMENT
SAVE FOR CHIILDREN’SEDUCATION
STARTAND/OREXPAND ABUSINESS
HIGHEREDUCATION
INCREASE MYSAVINGS WITHFINANCIALSUPPORT FROMOVERSEAS
DECREASEDEBT
TAKE AVACATION
PURCHASEA CAR
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L6DYH��L*DLQ��90�0RQH\�0DNHU��90�6DYH�*URZ��9076��86�8.�&'1�UHVLGHQW��90�:HDOWK�0DQDJHG�3RUWIROLR��90�:HDOWK�%RQGV��90�:HDOWK�(TXLW\�%XLOGHU�
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INSUREPROPERTYOR MOTORVEHICLE
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L6DYH��L*DLQ��90�6DYLQJ�$FFRXQW��6KDUH�/RDQ��9076�(US/UK/CDN resident)
Share Loan, Commercial Mortgage, Prime Retirement
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FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 5
Financial Independence: The Approach $W�9LFWRULD�0XWXDO�ZH�EHOLHYH� WKDW�Home Ownership is the cornerstone of
Financial Independence.
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!DMDkSR�NE�'NLD�.VMDQRGHO�
<RX�JHW�D�VHQVH�RI�SHUPDQHQFH�DQG�VWDELOLW\��DV�D�KRPH�FDQ�VHUYH�DV�D�VDIH��� KDYHQ�IRU�\RX�DQG�\RXU�IDPLO\
<RX�LQFUHDVH�\RXU�FKDQFHV�RI�DFKLHYLQJ�ĺQDQFLDO�VWDELOLW\�DQG�VHFXULW\�DV�\RX��� VWHDGLO\�EXLOG�HTXLW\��WKDW�LV��DYDLODEOH�FDVK�YDOXH��LQ�WKH�SURSHUW\�ZKLOH�SD\LQJ� your mortgage
,Q�PRVW�FDVHV��\RXU�KRPH�VKRXOG�DSSUHFLDWH�LQ�YDOXH� RYHU�WLPH��JLYLQJ�\RX�JRRG�UHWXUQV�RQ�\RXU�LQYHVWPHQW
<RX�PD\�EH�EHWWHU�DEOH�WR�PDQDJH�\RXU expenses in your senior years as you will
� QRW�KDYH�WKH�QHHG�WR�SD\�UHQW
$V�\RX�ZRUN�WRZDUGV�EXLOGLQJ�DVROLG�ĺQDQFLDO�IRXQGDWLRQ�EDVHGon Home Ownership, you will
gain the peace of mind that
ZLOO�DOORZ�\RX�WR�DOVR�DFKLHYH\RXU�RWKHU�ĺQDQFLDO�JRDOV���
FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 6
\RXU�RWKHU�ĺQDQFLDO�JRDOV���
Buying land and building over time is
an option to achievingHome Ownership
What does HOME mean to you?
Now I can relax in the comfort of my home without any interruptions.
Finally I can give my mother and father the home they deserve.
The new furniture was perfect and coordinated well with my décor.
We have the perfect placeto play our games.
FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 7
Goals should be SSHFLƂF��Measurable, AFKLHYDEOH��Relevant and Time-based
MY OWN SPACE
FUN WITHMY FRIENDS
MY OWNSENSE OF STYLE
MY PROMISEFULFILLED
Avoid using a credit card to pay for things you can’t afford
At last...we have the time to relax and enjoy each other.
To have and to hold today and always!
Sharing our experiences at dinner time is something we look forward to!
My son will never have to worry about where he will raise his children.
What does HOME mean to you?
FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 8
A PLACE OF LOVE
THE GOOD LIFE
QUALITYFAMILY TIME
A LASTING LEGACY
Your path to Home Ownership (YHU\�ĺUVW�WLPH�SURSHUW\�RZQHU�LV�H[FLWHG�DERXW�LQYHVWLQJ�LQ�WKHLU�ĺUVW�SLHFH�RI�UHDO�HVWDWH��2ZQLQJ�D�KRPH��HVSHFLDOO\�\RXU�ĺUVW��LV�D�ELJ�GHDO��LW�ZLOO�OLNHO\�EH�RQH�RI�WKH�ELJJHVW�LQYHVWPHQWV�\RX�ZLOO�PDNH��7KHUHIRUH��ZKHQ�\RX�DUH�WKLQNLQJ�RI�DFTXLULQJ�D�home, it is wise to seek guidance from the Victoria Mutual Group.
:H�FRPELQH�RXU�H[SHUWLVH��NQRZOHGJH�RI�WKH�PDUNHW�DQG�RXU�XQPDWFKHG�FXVWRPHU�VHUYLFH�WR�HQVXUH�WKDW�\RX�DUH�VXFFHVVIXO�LQ�\RXU�MRXUQH\�WRZDUGV�Home Ownership.
+HUH�DUH�VRPH�EDVLF�UHPLQGHUV�WKDW�ZLOO�HQVXUH�\RXU�VDWLVIDFWLRQ�qDOO�WKH�ZD\�KRPHr��
'R�D�oFKHFN�XSp�RI�\RXU�VLWXDWLRQ��7KLV�FDQ�EH�GRQH�E\�SUHSDULQJ�D�OLVW�RI�\RXU��� DVVHWV�DQG�\RXU�OLDELOLWLHV��7KHQ�FRPSOHWH�D�VLPSOH�EXGJHW�WR�DVFHUWDLQ�ZKDW�\RXU��� PRQWKO\�FRPPLWPHQWV�DUH��5HIHU�WR�SDJH����IRU�D�PRQWKO\�EXGJHW�WHPSODWH�WKDW�� you can use.
Look around for the home you desire and consider all the factors that may
� DIIHFW�WKH�SXUFKDVH��7KLV�LQFOXGHV�WKH�VSHFLĺF�ORFDWLRQ��DIIRUGDELOLW\��WLPH��� � horizon, security of the location, proximity to work, school and other facilities,
� DQG�DYDLODELOLW\�RI�WUDQVSRUWDWLRQ�WR�QDPH�D�IHZ��
2QFH�\RX�KDYH�LGHQWLĺHG�DQG�GHFLGHG�RQ�WKH�KRPH�\RX�FDQ�DIIRUG�WR�EX\��\RX��� PXVW�KDYH�\RXU�GRZQ�SD\PHQW�UHDG\��7KLV�LV�XVXDOO\��������RI�WKH��SXUFKDVH�� price of the property.
&ORVLQJ�FRVWV�DQG�RWKHU�PRUWJDJH�UHODWHG�H[SHQVHV�ZLOO�DOVR�EH�UHTXLUHG������ ,GHQWLI\�DW�OHDVW��������RI�WKH�SXUFKDVH�SULFH�RI�WKH�KRPH�WR�FRYHU�WKHVH�� � expenses as well.
&RQWDFW�D�9LFWRULD�0XWXDO�UHSUHVHQWDWLYH�DQG�GLVFXVV�WKH�GHWDLOV�VR�WKDW�\RX�FDQ�� start on your journey to Financial Independence. start on your journey to Financial Independence.
Consider how LQƃDWLRQ�ZLOO�LPSDFW�
your standard of living
FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 9
Where are you on yourHome Ownership Journey/QNkKD� � PREPARING TO BUY YOUR FIRST HOME
7KH�GHFLVLRQ�WR�EX\�D�KRPH�LV�DQ�H[FLWLQJ�RQH�DQG�DW�5HBSNQH@�,TST@K�we will partner
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R�@�kQRS�RSDO�VD�DMBNTQ@FD�XNT�SN�HCDMSHEX�SGD�B@SDFNQX which best describes XNT�EQNL�SGD�KHRSHMF�ADKNV
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your goal of preparing
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Product details are
provided on pages 24-27.
GROUP RECOMMENDATIONS
CURRENT SAVINGSTOWARDS HOME DEPOSIT CURRENT INCOME STATUS
Current Income allows you to
qualify for a mortgage
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you to qualify for a mortgage
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Buying real estate can help you to create long-term wealth
FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 10
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Where are you on yourHome Ownership Journey/QNkKD�!� OWNING YOUR HOME WITH A MORTGAGE
Owning your home is a major accomplishment and at 5HBSNQH@�,TST@K�ZH�FHOHEUDWH�with you at this milestone. If you own a home with a mortgage we know that you may
EH�WKLQNLQJ�DERXW� LPSURYLQJ�RU�XSJUDGLQJ� LW��$W�WKLV�VWDJH�RI�WKH� MRXUQH\�\RX�PD\�EH�FRQFHUQHG�DERXW�KRZ�PXFK�RI�\RXU�PRUWJDJH�KDV�EHHQ�UHSDLG��DQG�ZLOO�DOVR�EH�FKHFNLQJ�RQ�KRZ�PXFK�VDYLQJV�DQG�LQYHVWPHQWV�\RX�QRZ�KDYH��
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Product details are
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GROUP RECOMMENDATIONS
YOU CAN SURVIVE ONYOUR SAVINGS FOR ��.%�,.13& &$�1$/ (#
3DLG�RII�PRUH�WKDQ������RIyour mortgage
More than 6 months
3 - 6 months
Less than 3 months
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3DLG�RII�OHVV�WKDQ�����RIyour mortgage
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B1
B2
B3
B4
B5
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Seek expert advice before investing your money
FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 11
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Where are you on yourHome Ownership Journey/QNkKD�"��USING YOUR DEBT-FREE HOME AS A FINANCIAL FOUNDATION
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Product details are
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GROUP RECOMMENDATIONS
YOU CAN SURVIVE ONYOUR SAVINGS FOR INVESTMENT STRATEGY
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C3
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Cut back on entertainment costs and save more each month
FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 12
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They did it, and so can YOU!0DQ\�RI�RXU�0HPEHUV�DQG�FXVWRPHUV�KDYH�H[SHULHQFHG�DQG�FDQ�DWWHVW�WR�KRZ�WKH�Victoria
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Independence��6HH�KRZ�WKHLU�GUHDPV�EHFDPH�UHDOLW\�ZLWK�WKH�KHOS�RI�5HBSNQH@�,TST@K.
/@SQHBJ�2SDQKHMF��/G#��Proud Victoria Mutual Building Society (VMBS) Home Owner
“I was introduced to the VM family about 25 years ago when I started out with my children’s savings. When my wife and I sought to take on a mortgage, we were in our late 20’s, early 30’s. We were looking around for a reputable institution and VMBS was introduced to us as a very strong and experienced institution that would enable us to achieve our goals.
It took a lot of planning, budgeting, managing the household and managing 3 children.
We had our challenges even after getting the mortgage. At one point my position at work was made redundant. I went in to have a discussion with VMBS. They understood what was happening and a period of moratorium was offered. Within two months of engaging that process, I regained employment and I was able to restart my normal mortgage payment before the period of moratorium ended.
When it comes to buying a house or acquiringproperty, or acquiring anything at all, you haveto save. While I had my mortgage, I alsosaved towards upgrading my house and doingrefurbishing work.
I started out with a very good foundationwith VMBS. The goals that my wife and Iset out to accomplish have all been achieved.Within 15 years, I should be retiring and soI’m now putting in place plans to ensure thatVD�G@UD�@�UH@AKD�jM@MBH@K�ETSTQD�@GD@C�NE�TR We will say to anyone seeking a mortgageto try VMBS. VMBS is like family. This iswhere the experience is, this is where theknow-how is, this is where stability andstrength are, in terms of enabling peopleto achieve their objectives for their families.”
know-how is, this is where stability andstrength are, in terms of enabling peopleto achieve their objectives for their families.”
Setting goals establishes the
framework for future success
FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 13
They did it, and so can YOU!1TAX� MCDQRNM��Secured Financial Future with the help of Victoria Mutual Wealth Management Limited (VM Wealth)
“I’ve been a VM Wealth Client for the past 17 years, but I’ve been a member of VMBS for much KNMFDQ�SG@M�SG@S��G@UHMF�jQRS�INHMDC�@R�@����XD@Q�NKC�EQDRG�NTS�NE�SD@BGDQR��BNKKDFD
Growing up in the country, I was raised to know the value of savings and working hard to achieve whatever I wanted. There was no way I could go to borrow from next door, if I didn’t have something. I learnt to do without until I could get it for myself.
(�RS@QSDC�NTS�HM�SD@BGHMF�@MC�LNUDC�NM�EQNL�SGD�BK@RRQNNL�@MC�ADB@LD�@�BG@QSDQDC�jM@MBH@K�consultant. I established a long and fruitful career in the insurance industry. But I realised that my husband and I wouldn’t be working forever and we couldn’t leave it up to our three sons to take care of us when we retired.
2N�(�VDMS�SN�5,�6D@KSG �(�UD�ADMDjSSDC�EQNL�SGD�RG@QDR�ONQSENKHN��SGD�L@M@FDC�ANMC�ONQSENKHN��FKNA@K�ANMCR�ONQSENKHN��QDONR�@MC�" (�ETMCR �3GDRD�OQNCTBSR�G@UD�QD@KKX�GDKODC�LX�GTRA@MC�@MC�I to not worry about how we’ll survive during our retirement.
One of the things I really appreciated aboutVM Wealth was the fact that they listened tous and they also acknowledged andrespected our knowledge base. We wereable to select what we thought was rightfor us. Then they advised us on whyour selection was good or why weshould choose somethingelse in addition. I knowthat this is a Groupthat can make andhas been making@�RHFMHjB@MSdifference inpeople’s lives.”
FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 14
Save at least three months’ worth of
expenses for emergencies
They did it, and so can YOU!#TQM�1@HMENQC��2@SHRjDC�!QHSHRG�"@QHAAD@M�(MRTQ@MBD�"NLO@MX�(BCIC) Customer
“I really don’t remember how I got introduced to BCIC but I was with another insurance BNLO@MX�ENQ�@ANTS�@�XD@Q�VGDM�(�FNS�HMSN�@M�@BBHCDMS �(�V@RM�S�R@SHRjDC�VHSG�RNLD�NE�SGDHQ�policies and how the customer service dealt with the accident and so I made the switch to BCIC.
In my over 30 years I’ve never been disappointed and what always impresses me is the professionalism. The insurance agents deal with me with respect. If there’s any problem jM@MBH@KKX��SGDX�B@M�BQD@SD�@�O@BJ@FD�SN�jS�LX�ONBJDS
If I had to do it all over again, I would go back to BCIC and I would encourage everybody to insure with BCIC. In fact I have done that. Recently I introduced my wife’s nephew to BCIC.
If there’s an academy for insurance it starts down at 36 Duke Street, the headquarters of BCIC. And why I say that is because they are very professional. When I go there I am treated with the utmost of respect by everyone starting from the security guard in the parking lot, to the security guard inside and that smile I get from the front desk, I feel so welcomed.
If you’re looking for a good company with which to insure your vehicle go to BCIC. They will VNQJ�VHSG�XNTQ�ATCFDS �!"("�HR�HM�HS�VHSG�XNT�EQNL�RS@QS�SN�jMHRG�@MC�SGDX�@QD�MNS�FNHMF�SN�KD@UD�you on the road. BCIC sell off.”
Use automatic deductions to fund your savings and
investments
FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 15
Start planning for your goals early and put time on your side
They did it, and so can YOU!'TFG�+@VRNM��Has Peace of Mind in his Retirement Years with the help of Prime Asset Management Limited (Prime)
“You know, I am more of a risk taker than a saver. But yes as far as pension is concerned, through VM’s Prime Asset Management Limited, I’ve had to learn to save. I’ve managed a lot of staff in my lifetime and was very instrumental in assisting the staff at the National Health Fund (NHF), to start a pension scheme. It was a challenge, but a necessary challenge.
Unfortunately I didn’t start to think of retirement until about 15 years ago. What will I do with my retirement? How will I survive? How will my family survive?
I was fortunate I was part of the team which was selecting a service provider to provide ODMRHNM�RDQUHBDR�ENQ�SGD�BNLO@MX�@MC�(�V@R�HLOQDRRDC�AX�/QHLD �3GDHQ�L@M@FDLDMS�3D@L��SGDHQ�QDRONMRHUDMDRR��SGDHQ�OQNEDRRHNM@KHRL�V@R�DWBDKKDMS � MC�MNV�SG@S�(�L�@�ODMRHNMDQ��(�JMNV�VD�L@CD�SGD�QHFGS�BGNHBD��SGD�3D@L�BNMSHMTDR�SN�AD�DWBDKKDMS �
I got my lump sum repayment upon retirement and I getmy pension payment every month. But if one thing hasstood out with the Prime Team it has been how theycommunicate. They have been excellent incommunicating from the very beginning to now.I am still getting correspondence from them.
For someone approaching retirement age, if youdon’t have something in place you’re doing yourfamily a disservice. If you don’t plan for your future,your future will plan for you.
I wouldn’t go with anybody else. Now that I amretired, I am relaxed and comfortable havingchosen VM’s Prime Asset Management Team.”
FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 16
They did it, and so can YOU!,@QKHMD�2SDOGDMRNM�#@KKX��Proud Victoria Mutual Building Society (VMBS) Home Owner
“I believe I was 25 when I bought land with my huge savings of $10,000 plus a further loan from VMBS. Ever since High School, one of my goals was to own my own home. So when the time came, I chose VMBS. I started building about a year after buying the land. I started building slowly out of pocket. It was taking too long and I was losing too much because I was stopping and starting often as funds ran out. So after clearing my loan for the land I decided SN�ANQQNV�RNLD�LNQD�ETMCR�SN�AQHMF�HS�SN�@�G@AHS@AKD�RS@SD��LNUD�HM�@MC�SGDM�jMHRG
(S�V@R�HMCDDC�CHEjBTKS �(S�LD@MS�PTHSD�@�AHS�NE�R@BQHjBD�ENQ�LD�@MC�LX�GTRA@MC � R�LX�FQ@MMX�would say, "stay on crooked and cut straight". VMBS was there all the way. The staff provided sound advice and helped me to choose wisely. They were very easy to talk to. I got a further loan which was taken out by my mother-in-law whose collateral was of much greater value than the land we bought. I however, had to pay the insurance on the loan so you can imagine what that did to my premiums. But I was strategic and when I could pay a little more I did. I took advantage of the amnesty periods and made arrangements to pay on principal and whittled away the mountain which stood before us. I also ADMDjSDC�EQNL�SGD�SGDM�INHMS�LNQSF@FD�BDQSHjB@SD�OQNFQ@LLD�@MCthe 5% mortgage revolution. That was sweet and part ofthe plan as to how it could be made more affordable.
For those who believe home ownership is out of reachI will say to them what my mother said to me "Is one,one room build house". Dream and design it just theway you want it, be patient, stay focused, be preparedSN�R@BQHjBD �(�SGHMJ�5,!2�JMNVR�SGD�U@KTD�@MC�SGD�INXof owning your own home and are prepared to workwith you to make your dream a reality.”
“Protect your investments with
KHDOWK��FULWLFDO�LOOQHVV�and life insurance”
FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 17
Resources to help you get started.M�XNTQ�,@QJ��&DS�2DS��&N@Kũ
q7KH�MRXUQH\�RI�D�WKRXVDQG�PLOHV�EHJLQV�ZLWK�D�VLQJOH�VWHSr�DQG�WKDW�QH[W�VWHS�for you is to take action and start the journey.
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3UHSDULQJ�D�PRQWKO\�EXGJHW�LV�DQ�H[FHOOHQW�ZD\�WR�VWDUW��$�EXGJHW�LV�D�VWDWHPHQW�of your income and expenses, which allows you to keep track of your spending,
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FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 18
Resources to help you get startedONLINE RESOURCES
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FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 19
Keeping track of your weekly expenses is just as important as
having a budget
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FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 20
Resources to help you get startedMONTHLY BUDGET
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Prepare a will to transfer your possessions when you die
Resources to help you get startedHOME OWNERSHIP CHECKLIST
A Home Ownership�&KHFNOLVW�HQVXUHV�WKDW�\RX�FRQVLGHU�DOO�WKH�EDVLF�TXHVWLRQV�WKDW�\RX�QHHG�WR�DQVZHU�DV�\RX�SUHSDUH�WR�EX\�\RXU�ĺUVW�KRPH��+DYLQJ�FKRVHQ�Victoria Mutual to satisfy your mortgage needs, we would like you to complete the
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FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 21
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FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 22
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Contact us at$V�D�0HPEHU�RI�WKH�9LFWRULD�0XWXDO�IDPLO\��\RX�KDYH�DFFHVV�WR�D�FRPSOHWH���������Financial Independence Team, dedicated to helping you on your journey.
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FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 29
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Prime Asset Management www.primepensions.com� � � � �������������� [email protected]
'R�\RX�RZQ�D�EXVLQHVV�LQ�-DPDLFD�DQG�ZRXOG�OLNH�WR�KHOS�\RXU�HPSOR\HHV�SODQ�for their retirement? Prime Asset Management Limited can create a retirement
planning solution to meet the needs of your company and employees. Prime
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