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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm Saturday 9am - 5pm Sunday 9am - 5pm

MONEY WAYS, Diffun (2026)

13/01/2021

Ang Kaiser Ultimate ba ay VUL?

This past week, may dalawang nagtanong sa akin kung VUL ba ang Kaiser Ultimate Health Builder

Medyo nakakatawa ang tanong, kaya ang sagot
No, it is not! Kaiser Ultimate is a healthcare solution
VUL is a life insurance solution

Pero baka nalito lang ang nagtatanong, kasi ang comparable lang ay ang rough description:

VUL is 2-in-1 life insurance + investment

Kaiser Ultimate is 3-in-1 healthcare + life insurance + investment

Specifically, ang Kaiser Ultimate ay 3-in-1 solution na:

-healthcare "if you get sick"

-life insurance "if you die too soon"

-investment "if you live long"

Hindi comparable ang healthcare solution sa insurance solution. Sa karamihan ng details, magkaiba sila:

Ang Kaiser Ultimate ay long term health care solution, na offered ng HMO company. Ang VUL ay life insurance solution na offered ng life insurance company.

Sa Kaiser, kapag sinabi na pay 7 years, ang ibig sabihin magbayad ng 7 years at SIGURADONG fully paid na. Sa VUL pag sinabi na pay 10 years, ang ibig sabihin, magbayad ng 10 years, at SIGURO bayad na o Maaring kailangan magbayad ng dagdag.

Ang Kaiser Ultimate ay may fixed contract price, at dahil maaaring maging fully-paid, nag-i-issue ng certificate of full payment. Ang VUL ay never napu-fully paid, kaya walang certificate of full payment.

Ang Kaiser after ma-fully pay, ay may SIGURADONG cash value hanggang hindi terminated. Ang VUL ay hindi napu-fully pay, at walang guaranteed cash value. SIGURO may cash value at maaaring maubos dahil sa insurance charges.

Ang Kaiser health fund ay may SIGURADONG growth na 3% to 10%, pero usually 10%. Ang VUL, walang guaranteed growth, minsan negative.

Sa Kaiser, SIGURADONG WALA nang fees at charges after 7 years. Ang VUL, SIGURADONG MAYROON insurance charges habambuhay.

Sa Kaiser, pareho lang ang bayad ng 10 year old sa 60 year old sa eligible plans. Sa VUL, mas mahal ang bayad ng 60 year old sa 0 year old. Sa 50 - 60 year old, baka mas murang life insurance ang Kaiser kaysa VUL 🙂

Ang Kaiser Ultimate, laging may healthcare, ang VUL usually walang healthcare.

Hindi talaga comparable ang Kaiser Ultimate at VUL.
ctto

08/01/2021

Please READ.. lamang ang may alam‼‼‼

Marami na ang curious sa kung ano nga ba talaga ang at anu-ano ang meron dito.
Read the FAQs below 👇👇

𝙌: 𝘼𝙣𝙤 𝙗𝙖 𝙖𝙣𝙜 𝙄𝙈𝙂?
𝘼: The International Marketing Group’s (IMG) is to help everyone who wants to be financially literate, financially stable and of course help them achieve their financial goals. Our simple mission: No Family Left Behind.

𝙌: 𝙉𝙚𝙩𝙬𝙤𝙧𝙠𝙞𝙣𝙜 𝙗𝙖 𝙮𝙖𝙣?
𝘼: NO. IMG is NOT a networking or MLM company. IMG is a financial brokerage. It is a distributor of financial instruments from healthcare plans, insurance, mutual funds to real estate and many others. So as a broker, take note that IMG is not the manager of any of the products, rather they act as distributors.

𝙌: 𝙎𝙩𝙖𝙗𝙡𝙚 𝙣𝙖 𝙗𝙖 𝙖𝙣𝙜 𝙄𝙈𝙂?
𝘼: YES. It is because of this focus on education that IMG has gained several reputable endorsements. For instance, Bo Sanchez, an international motivational speaker and preacher has repeatedly endorsed IMG publicly in his seminars. Rex Mendoza, the former CEO of PhilamLife is one of IMG’s solid partners. Fitz Villafuerte, a very prominent financial blogger, is a financial advocate of IMG. There are countless many others that will gladly and proudly say that they are partnered with IMG.

𝙌: 𝙆𝙞𝙠𝙞𝙩𝙖 𝙗𝙖 𝙠𝙤 𝙙𝙞𝙮𝙖𝙣?
𝘼: As a new associate of IMG you have opened the door on an exciting future. Through the IMG opportunity, you can build your own business, be your own boss, and dream your own dreams.

IMG offers an excellent income opportunity, whether you're looking at the business as a twin career or a full-time commitment. With IMG's attractive compensation package, you can also take advantage of a number of incentives, including renewals, as well as participation in bonus pools and stock programs.

𝙌: 𝙎𝙖𝙛𝙚 𝙗𝙖 𝙥𝙚𝙧𝙖 𝙠𝙤 𝙙𝙞𝙮𝙖𝙣?
𝘼: If you decide to invest in IMG, you’re not really investing in IMG but with its product partners. If you bought PhilamLife life insurance, then you technically invested in PhilamLife, not IMG. If you bought real estate at Ayala Land or Vista Land, then you technically invested in Ayala or perhaps Vista Land, it is not IMG. This is just to set clear information about where your money goes.

𝙌: 𝘽𝙖𝙠𝙖 𝙨𝙘𝙖𝙢 𝙮𝙖𝙣?
𝘼: Let's answer this question by giving you some insights about International Marketing Group. IMG is one of the biggest and fastest growing financial distribution companies in the Philippines and in different countries for more than 18 years. IMG has established agreements with many of the leading companies like Manila Bankers Life, SunLife, DMCI, SMDC, UCPB Gen, PhilEquity and a lot more.

In addition, IMG has regular Kwarta Kusina Segment at Kape at Salita DZMM Teleradyo of ABS-CBN, every Saturday 5AM to 6AM in educating Filipinos on how to manage and grow their money in the right way.

𝙌: 𝘽𝙖𝙠𝙞𝙩 𝙠𝙖𝙞𝙡𝙖𝙣𝙜𝙖𝙣 𝙠𝙤 𝙥𝙖 𝙪𝙢𝙖𝙩𝙩𝙚𝙣𝙙 𝙣𝙜 𝙨𝙚𝙢𝙞𝙣𝙖𝙧?
𝘼: ”An investment in knowledge pays the best interest.” Instead of asking “HOW” to the person who posted about mutual fund, stock market, healthcare, insurance or any other products, you better ask if there is available seminar. You cannot just learn and understand everything with a very little information just by reading their responses – unless you really have no other way to go to a seminar.

𝙌: 𝙒𝙝𝙮 𝙙𝙤 𝙬𝙚 𝙡𝙤𝙫𝙚 𝙄𝙈𝙂?
𝘼: We love IMG because of its mission. IMG's mission is to help create wealth for families to make a difference for families so there will be NO FAMILY LEFT BEHIND.

We are all family here. At International Marketing Group, giving people a chance is what we stand for. Whether you are a client interested in planning more effectively for your family's financial future or an entrepreneur interested in starting your own business with a solid company, IMG believes in providing a path to help you realize your dreams.

We understand you still have lot of questions about IMG and the campaign we are doing about financial literacy.

Ctto. Thank you po!

To attend our FREE Financial Planning and Investment Webinar..
Message me 🙋‍♀️🤙📲✍📧

Keep Safe Everyone & GOD Bless po 😇

23/12/2020

NAG-IIPON ka? that's good...

Pero alam mo ba na may pwersa na legal na "NINANAKAW" ang halaga ng ipon mo?

Ang tawag dito ay inflation.

Ang INFLATION ay ang pagtaas ng presyo ng bilihin. Ayon sa Bangko Sentral ng Pilipinas (BSP), ang inflation rate natin ngayong 2018 ay 6%.

Alam mo ba kung magkano ang interest na binibigay sa savings account?

0.25%

Basahin mo muli…

6% vs. 0.25%

Higit 20x ang bilis ng pastaas ng presyo ng bilihin kumpara sa paglago ng pera mo.

Kung nagtataka ka kung bakit kumokonti ang nabibili mo sa parehong halaga, ito ang rason. Ang paraan upang ma-solusyunan ito ay ang pag-iinvest.

NAG-IINVEST ka na? that's good...

Pero SOLID ba ang iyong Financial Foundation? Baka may investment ka nga pero wala kang Short-term and Long-term Healthcare, paano kapag nagkasakit ka? Saan ka kukuha ng panggastos? Sa Investment mo? Paano kung that time ay bagsak ang Market? Lugi ka na agad plus gumastos ka sa Hospital, LUGING-LUGI ka dun.

O kaya naman may Investment ka nga pero wala kang Life Protection or Life Insurance, paano nalang "IF YOU DIE TOO SOON"? Paano na ang maiiwang family natin? Makukuha ba nila ang investment mo? Ang sagot ay HINDI, subject to ESTATE TAX yan. Kailangang magbayad ng family ng estate tax bago nila makuha ang investments mo.

Halimbawa naman may Investment ka pero marami ka rin palang utang, ang masaklap pa doon ay mas MALAKI pa ang interest rate ng UTANG versus INVESTMENT. For example ay credit card debts, alam mo bang 3.5% ang interest rate nito per month? in 12 months or 1 year ay 42% ang interest rate nito. Samantalang yung investment natin ay swerte na kung pumalo ng average 12% per year.

At halimbawa namang may Investment ka pero wala kang emergency funds, paano nalang kung biglang tinangay ng malakas na hangin ang bubong niyo? Saan ka kukuha ng pangpaayos? Paano kung may nasirang appliances, paano kung mawalan ka ng trabaho? Paano kung di pa ganun kalaki ang kinita ng investments mo or paano kung di pa pala kumikita ang investments mo, ang malala ay paano kung negative pa pala ang investments mo?

Sa pag-BUILD ng isang SOLID FINANCIAL FOUNDATION, it should start from ground and up.

1. Healthcare
2. Life Insurance
3. Eliminate Debts
4. Emergency Funds
5. Investments

Pero ang pinaka-FOUNDATION talaga ay INCREASE YOUR CASH FLOW (reduce expenses and/or increase income). Balewala kung alam mo ang pagkakasunod ng healthcare, life insurance, eliminate debts, emergency funds at investments kung wala kang money na panglagay sa mga yan. :)

Para mas matuto ng mga stratehiya sa pag-iipon at pag-iinvest ng tama, nagkakaroon kami ng FREE Financial Coaching and Investment Class everyday thru Online Zoom App

To REGISTER for free, just PM or comment below.

11/12/2020

Bakit importante ang mag Renew ng IMG accreditation natin?

Dahil sa Preferred Membership Benefits na hindi mae-enjoy / mawawalan tayo ng access Pag hindi tayo nakapag-renew ng accreditation.

Ito ang ilan sa Preferred Benefits:

- Unlimited medical consult at Kaiser Medical Ctr
- discounted medical services for members and
immediate family of members, at Kaiser
Medical Center
- 2 eyeframes per year
- access to IMG Member Portal
- Discounts on financial products
- access to business opportunities
- automatic renewal ng P50K Fidelity Life Insurance
(Sa nag pay ng P500 one-time Membership fee)
- automatic renewal of free Personal Accident
Insurance
- and more!

Ang isa sa importante sa Benefits ay ang insurance coverage.

Kapag hindi nakapag-renew ng accreditation, magla-lapse ang Insurance. Syempre Pag lapse, Walang benefit. At pag na die too soon si member, Hindi matatanggap ng beneficiary ang Insurance proceeds.

At in case of accident at nadisable si member, Hindi din sya makakatanggap ng disablement benefit.

Importante ito lalo na for IMG members living and working (OFWs) abroad na INTERNATIONAL ang Member Code, dahil mas mataas ang Personal Accident coverage nyo At mas marami ang benefits, kasama ang repatriation benefit. Tingnan nyo po ang dagdag Benefits 40 to 48 Para sa inyo. Inggit nga kaming PH coded lang e.

Pag International Code, ang binayaran mong one time membership fee Ay Mas mataas sa P5500.
Pag nasa abroad ka at ang binayaran mo Ay P5500 Lang, ibig Sabihin Philippine coded ka pa. Kailangan mong mag-upgrade to International Code Para Meron ka ng Benefits 41 to 48. Deadline ng upgrade ay December 29, 2020.

Kaya PAY na ng accreditation. Huwag palalagpasin ng December.

Heto Ang accreditation fees (PH and International)
P1,500 - for old members and new members from
January 1 to September 2020
P500. - for October 2020 new members
P300. - for November 2020 new members
P200. - for December 2020 new members

For the complete list of 48 Membership Benefits, Check this Membership Link - https://109148hk.imgcorp.com/

Sa mga hindi pa IMG Member, Nagagandahan po ba sa maraming Members Benefits? Join na! Click Lang ang Membership Link na nasa taas.

OK TO SHARE!

08/12/2020

There are only two reasons why you sould invest:

1.Beat inflation
2. Achieve a financial goal

Start investing today! Click here to learn more link.rampver.com/inquire-mf

03/12/2020

Ito ang masaya sa IMG Pag ka join mo palang Automatic magiging investor ka na agad sa Soldivo Mutual Fund dahil member ka at isa lang ito sa benefits mo. 💕

Ang Soldivo Strategic Growth Fund naka invest naman sa minimum 10 companies kasama ang Jollibee, BDO, BPI, SM, Ayala, PLDT, ICTSI, MPIC at marami pang iba.

Matagal ka na ba naghahanap ng pwede mong Pag lagyan ng ipon mo? Baka eto na yung hinahanap mo.

Eto ang link na sasagot sa matagal mo nang hinahanap.👇👇👇👇
https://109148hk.imgcorp.com/

18/07/2020

Take Time To Read!

"The Bangko Sentral ng Pilipinas (BSP) is coordinating with other institutions to improve financial literacy and financial capability in the country amid the coronavirus disease 2019 (Covid-19) pandemic crisis, its chief said over the weekend.

Nearly half of adults (48 percent) have savings, but 68 percent of them keep savings at home.

Diokno added that more than a third of Filipino adults are unable to meet regular spending needs, and resort to loans to deal with emergencies.

The central bank chief also underscored that only 18 percent have insurance, and only 3 percent invest in financial instruments.

“Painfully, the Covid-19 pandemic has surfaced their importance. Financial unpreparedness limits the ability of families to cope and recover from the socio-economic impact of Covid-19,” he said.

Besides this, Diokno added that there are also families and individuals, despite earning regular incomes, still struggling to understand financial concepts or make effective budget.

The BSP head added that Filipinos have little understanding of compounding interest; the effect of inflation on the buying power of households; and investment risks, returns and diversification.

“This limitation is highlighted in unexpected situations such as the pandemic, where, more than ever, preparedness for the proverbial rainy day is brought to fore,” Diokno emphasized.

That said, he highlighted that the Bangko Sentral has recognized the need to improve financial literacy and financial capability in the Philippines.

Join us in our IMG Campaign, to EDUCATE 30 million families by year 2030.

Ctto

18/07/2020

Share ko na to baka Facebook na naman ang mawala bukas😁

AKALA KO PWEDE NA, MAY IBA PA PALA NA MAS MAGANDANG MAASAHAN.

– International Marketing Group
A company who guiding me to reach my Financial Goals. From Spender I learn to become Saver, Investor and Entrepreneur. I also enjoying the 31 Amazing Benefits from trusted Company partners.

Kaiser covered my medical and hospitalization, expenses, dental benefits with Life Insurance and Growing Investment until I reach 100 years old or beyond.

TOP1 and in the Philippines. Where my Investment is growing and invested to Blue Chips Company like Jollibee, San Miguel Corporation, SM Prime Holdings, AyalaLand, etc. Aside of being Happy Investor, I am also a ShareHolder of giant companies in the Philippines thru Mutual Funds

For my Memorial Life Plan and 24Hours Memorial Concierge Service

For my Personal Accident Insurance Coverage

For my Eye Care with two FREE Eyeglasses Frame per year.

I am part of 30Mby2030 Global Campaign. An advocacy to help other people all over the world with a financial education that empowers them to reach financial success and have a better future.

Want to know how i was able to do it?
Message me now!

Ctto

05/07/2020

Advocate in Financially Educating 30 Million Families by the year 2030!

There is no stopping us in bringing Financial Literacy to all families anywhere in the world as we commit to another mission of reaching 30 Million families to financially educate and help become financially successful and free by 2030!

Let the campaign begin now! Wear the heart of our mission on your sleeves, Financial Literacy Campaigners, and reach the peak of success together with the 30 Million families we will help in the upcoming days and years!

05/07/2020

Sinung tao ang di mangangailangan ng Healthcare? May exempted ba sa sakit? Ikaw meron na Ba? Lifetime ba yan at may Savings and Insurance na kasama? Kung wala, Usap Tayo!

MONEY WAYS

13/01/2021

08/01/2021

23/12/2020

11/12/2020

08/12/2020

03/12/2020

18/07/2020

18/07/2020

05/07/2020

05/07/2020

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