Investing Tips for Filipino Beginners

21/06/2021

Don't prepare for Retirement when you're already Retired. Prepare now and Enjoy later 😇

Message me now for a Free KAISER Qoute 😊

08/06/2021

R E T I R E M E N T⁉️

1. One day you will retire. You won't be going to work. You won’t have office power any more. No influence or at best, a reduced influence. Your cash flow will also reduce! Check retirement date on your payslip.

2. Always go for your 30days annual leave. Whatever you do during your leave, is what you will be doing when you retire. If all you do is to sleep or watch TV, then that’s what you are likely do do in your retirement. Remember the book of Proverbs. A little sleep and a little slumber, so shall your poverty multiply.
Watching Teleseryes, NBA or Boxing games will not save you heartache in retirement. Learn about INVESTING or a skill during your leave. It will come handy. Spend your after-office hours learning something. Don’t spend it sleeping, Gossiping, watching TV!! Same goes for your weekend. Make them productive. You will thank yourself for spending your time productively.

3. IINVEST FOR YOUR RETIREMENT... your children are not retirement investment. Don’t bank on your children’s support or the support of friends or relations. That’s a BIG risk. It may not happen. Be ready to take care of yourself!! Everyone has his own responsibilities. They won’t be able to help you that much. You will also lose your dignity and respect if you adopt a life of begging.

4. Start a hobby early in your working days to take you along when you retire. Rearing chicken, farming or own a shop. ACQUIRE ENTERPRENEURIAL SKILLS (not useless paper certificates), etc.

5. Where shall you retire. Build yourself a home. Don't retire and start to rent a house or refuse to vacate government house. You will be at the mercy of your landlord at a time when your cash flow is not only reduced but unpredictable!!

6. Who shall be your dependants. By the time you retire, your children should be above 18, and self reliant.

7. Don't retire and stay in a big city unless you can TRULY afford it. You can't continue living in a big city after 60 with limited financial resources. The language and the hustle will be hard for you. Where possible, Relocate to a less expensive town where your reduced take home (pension) can go further.

8. Have property which can be rented or converted into cash. HAVE SHARES THAT PAYS DIVIDENDS(stocks, mutual funds, insurances). Plant cash trees. Rear goats, cultivate vegetables etc. these activities will not only give you income but will also keep you healthy.

9. Acquire a LONG TERM HEALTHCARE. Dont ever neglect having a protection that will surely aid your medical concerns. You most need it when you retire.

10. Get yourself a LIFE INSURANCE. We will practically DIE. Your family will appreciate it if you will leave this world with something for them.

11. Live a simple life. If you never built a house at your rural home, dont use your retirement package to build. It is unwise unless you plan to live there on a permanent basis or you are super rich and therefore can afford the luxury. The choice is yours.

‼️Note that many of retirees die early because of the following:

1. They are Not mentally prepared to retire.
2. LACK OF FINANCES
3. They Lapse into Depression
4. They develop Hypertension/ Diabetes because of worries, anxiety and uncertainty and most of all FINANCIAL PRESSURE.

🚫YOUR DESK AT YOUR WORK PLACE IS NOT PERMANENT.

‼️PLAN & SET UP YOUR RETIREMENT.
CTTO

03/06/2021

We are thrilled to announce that our favorite influencers are now part of our Financial Literacy Campaign! Congrats Medyo Ma***to & Snake Princess for becoming an IMG Member & for starting your KAISER LongTerm Care All-in-1 savings program!

We are happy for you both! Yay secured na gyud ang future labi na si Snake! Very inspiring! ❤️😍 EVC Ken

Para malaman mo ang IMG & KAISER message me turuan kita 😃

Don't miss this opporunity!!

03/06/2021

Signs that you aren't getting any younger

1. Partying no longer excites you.
2. You no longer easily get mad or disappointed with people. You become more patient and forgiving.
3. You tend to travel alone.
4. When someone talks s**t, you just ignore it. Peace is more important than trying to prove that you are right.
5. You are now facing lots of responsibilities.
6. You are more driven to be successful.
7. You don't engage in flirting kind of relationship because you have your priorities.
8. You become more decisive.
9. You become more open minded.
10. You start finding partner in life that you can't live without.
11. You no longer rant in your social media about someone. You become more mature.
12. You don't expect so much from people anymore.
13. You are starting to give money to your parents.
14. You are wiser in managing your finances.
15. You are always thinking about your future.

Time to change your mindset. ✔️

27/12/2020

NAOSPITAL ANG ISANG IMG Member...
From 132K na bill sa Hospital, naging 1,000 pesos na lang ang knilang need bayaran.

Bakita kaya?
Basahin ang kwento sa baba.
____________________________________________

Ang Laki ng babayaran ko sa hospital, mabuti na kang may FREE Kaiser HMO from IMG because of doing IMG Business
I had a scheduled admission last Dec 20, 2020 sa Makati Med for the operation/removaldue of Thrombosed External Hemorrhoids (Almoranas). 1st time kong maooperahan or mahospitalized sa buong buhay ko. We were expecting to be discharged by Dec 23 and we can celebrate Christmas together with our kids.
Maraming tests na ginagawa before the operation including Chest Xray. May nakitang tiny spot sa lungs ko which is they think na TB (hindi lang sure kung colored. Hehehe). Kaya pina XRay ulit ako twice to confirm kung TB siya. Then pina CT Scan and test ng sputum (Plema) para totally maconfirm kung active din.

Kasi kung active, special operating room ako. Parang astronaut ang outfit ng mga Doc and shoulder ang expenses. And hindi matutuloy ang operation kung sakaling active.
CT Scan verifies na meron nga akong TB but Negative sa Sputum or hindi siya active. Kaya wag niyo ako layuan..hehehe

So tuloy ang operation. Inabot kami ng Dec 25 kasama recovery. In short, sa hospital kami nag-Christmas

At ang total Hospital Charges namin ay umabot ng P104,635. Plus around P28k para sa Doctors PF. Total of around P132k.

Mabuti na lang at may Kaiser Healthcare ako na nakuha for FREE sa IMG because of doing IMG Business and nameet ang requirements. P100k ang aking Benefit Limit and mag-expirr na siya ng Dec 31, 2020.

Kaya thanks to IMG and Kaiser talaga. Kasi sagot ng Kaiser ang P96,214 sa Hospital Charges plus P21k para naman sa Doctors PF.
More than 100k diba. So dapat malaki ang ilalabas pa namin. Pero yung ibang procedures ko ay para sa TB, not related sa Hemorrhoids kaya another 100k na naman budget para sa kanya.

Ang Total na binayaran namin from our pocket ay P1,021.30. Laking tipid diba.
Yan ang pamasko ng IMG and Kaiser.
Wala naman gusto mahospital or gamitin ang Health Card. Pero just in case na mangyari, katulad sa akin, may pambayad tayo.
Because one of the top reason kung bakit nababaon sa utang ay kapag nahospitalize at walang pambayad sa hospital.

Pwede ka din magkajoin dito. Message mo lang ako para maguide kita.



Credit to Sir Jhon Abud

10/12/2020

Maganda talaga pag IMG member! Daming benefits.
IMG Benefit # 31: Auto Program - pag member ka ng IMG pwede ka makabili ng brand new vehicle of any brand with Corporate Discount.
Congratulations to our Member for the big discounts on his purchase of Toyota Rush 2020 Metallic Silver model. At naka avail pa sya ng FREE insurance for five years.
Galing talaga!
Want to enjoy also this benefit? Mag member ka na ng IMG.

For inquiries just message

ctto

27/11/2020

PAANO MAG INVEST SA STOCK MARKET?

May dalawang paraan ng Pag i INVEST:

Una, sa pamamagitan ng MUTUAL FUND Companies na kung saan pwd kang makapag open ng account sa halagang 1,000 pesos only.

Pangalawa, sa pamamagitan ng DIRECT TRADING, ikaw mismo ang mag BUY & SELL directly, ikaw mismo ang bibili ng mga shares na gusto mo at ikaw din mismo ang magbebenta ng mga shares n nabili mo. Kaya tinawag itong direct trading. Risky ito kpg hnd k properly educated sa stock market, hindi tulad s mutual fund na less risk dhl may expert na fund manager.

Anytime, pwd kang maging INVESTOR sa Pilipinas at makasabay sa paglago ng ating economiya.

Ang tanong ng karamihan, PAANO?
PAANO ko ito magagawa?
PAANO ako makakapag simula?
PAANO ako magkakaroon ng ACCESS?

Those who are really interested to know more about investing , just send me a message, and i will help you...

Ctto

07/11/2020

Bakit nga ba ang MUTUAL FUNDS (STOCK MARKET) ang makabagong paraan, safe, legal at tamang paraan ng pagiipon? 🤔

🔘Affordability (₱ 5,000.00 minimum initial investment, and now ₱ 1,000.00 minimum investment just recently)

🔘High Potential Earnings (average na 10 - 20% earnings kada taon)

🔘Professional Fund Management (full-time, skilled & professional portfolio managers ang in-charge para mag-manage ng pondo ng mga investors)

🔘Tax-Exemption (base sa R.A. 8424 o Tax Reform Act of 1997, hindi kabilang ang mutual fund earnings sa pinapatawan ng 20% withholding tax)

🔘Liquidity (withdraw or redeem your shares anytime you want)

🔘Safety and Regulation (mutual fund companies ay regulated ng Securities & Exchange Commission at audited regularly ng mga external auditors)

🔘Diversification (para mabawasan ang risk up to 10% ng pondo ang maaaring i-invest sa isang company o security kaya ang pera mo ay distributed sa average na 10 kumpanya - mas lamang ang panalo kaysa talo)

INTERESTED? MESSAGE ME FOR DETAILS

28/10/2020

18/10/2020

While some people are letting their money sleep in their banks, and panic buy at now-opened malls, the investors are grabbing the opportunity to buy these extremely low price SHARES!

Let your money grow through investing in MUTUAL FUNDS/Stock Market.

Bakit nga ba ang MUTUAL FUNDS (STOCK MARKET) ang makabagong paraan, safe, legal at tamang paraan ng pagiipon? 🤔

🔘Affordability

🔘High Potential Earnings

🔘Professional Fund Management

🔘Tax-Exemption

🔘Liquidity

🔘Safety and Regulation

🔘Diversification

INVESTORS don't wait for RECOVERY. We INVEST to RECOVER. The best way to save your MONEY is to invest it in Mutual Funds.

Sabi nga nila TIME IS GOLD. The more TIME we WASTE, the more MONEY we LOSE. Kaya marami ding SANA AT SAYANG.

SANA nakinig ako at nagsimula.
SAYANG hindi ako nagSAVE at nagINVEST nang maaga.

SANA ALL magising na sa katotohanan at magsimulang magSAVE at magINVEST.

Kahit wala pang alam, or super busy sa buhay, or matulog ka pa dyan, NO WORRIES!! Patuloy pa ring lalago ang pera mo. It is what we called PASSIVE INCOME.

For more details, pls attend our free seminar just MESSAGE me for the link & for your guide in Zoom. 🙂

18/10/2020

What is IMG?

IMG is different things to different people.

IMG is a community of savers and investors.

IMG is a group of educators and financial education advocates.

IMG is a membership club with many benefits, including access and discounts to many financial products. ( like SM Advantage and S&R)

IMG is a school for continued financial education.

IMG is a way to grow your income by helping other people save and invest.

IMG helps everyone have access to affordable financial solutions.

But of course, some people have negative perceptions of IMG as competitors, as networkers, and worse, sometimes the negatrons call us names and unprintables.

But good organizations flourish while bad organizations perish.

IMG the company has been around for 16 YEARS, and look at how we flourished!

From humble beginnings in 2002, when it registered with the Securities and Exchange Commission as an Insurance Broker, IMG grew to a group of companies.

First as an insurance broker, and it just kept growing to include
-- an HMO ( Kaiser International Healthgroup)

-- a medical center (Kaiser Medical Center, with several branches now & more to come )

-- a mutual fund company (Soldivo Funds)

-- an asset preservation service company (APS )

-- a mutual benefit association (Fidelity )

-- a memorial concierge company (Everest )

-- a wellness company (Ozone International )

-- a life insurance company (Manila Bankers Life )

And it forged mutually beneficial partnerships with some of the biggest players in the Philippine financial industry
-- Philamlife
-- Rampver Financials
-- Ayala Land, SMDC, DMCI, Vista Land, Megaworld
-- Malayan Insurance, Charter Ping An, Standard Insurance, UCPB Gen,
-- PhilEquity, Philam Asset Management, Sunlife Asset, ATRAM, First Metro Asset Management,
-- and many more!

Join us! comment or pm me.

No doubt the Biggest Platform in Financial Service Industry backed up by great leaders with a heart! ❤💕 😊🏆

22/09/2020

"𝗞𝗨𝗡𝗚 𝗠𝗔𝗬 𝗜𝗧𝗜𝗡𝗔𝗡𝗜𝗠, 𝗠𝗔𝗬 𝗔𝗔𝗡𝗜𝗛𝗜𝗡"

Congratulations to these 4 𝗞𝗔𝗜𝗦𝗘𝗥 𝗦𝗮𝘃𝗲𝗿𝘀 na nakapag-claim na sa kanilang matured Kaiser Policy.

Years ago they invested consistently sa Kaiser and patiently waited until it matures, kaya ngayon they are already enjoying the fruit of their investment. Ang galing!

Tip nga pala for those who are Kaiser plan holders out there, kapag nag-mature na ang mga plan nyo, as long as hindi naman needed ang funds, mas best pa rin if you re-invest it para mas lumago at lumaki pa ang ma-ipamana sa family.

Exciting financial future para sa ating lahat na mga savers & investors!



photo taken today at KAISER-Cebu Office