Wise Step To Success

09/11/2022

"FROM BEING A FAMOUS SINGER, EARN MILLIONS TO BEING BROKE:

"I am Aaron Carter, my career was all started when I was 8 years old, my brother Nick Carter was in the Backstreet Boys, being a lil' brother, I wanted to do the same thing.

When I was first on my tour, my career started gotta rock. My career before was definitely grows hundred million dollars per share, and now I am basically BROKE.

I'm sitting here in the apartment because I can't kept money in my bank account.

My parents didn't put me in charge of this stuff, I was just a little kid, all I gonna do is to go to the stage and perform. Before 18, my money goes to my mom and to my dad's pocket, but because they don't have financial education, they didn't handle it correctly.

We buys family yachts, boats, big houses, we have cars, we even have lavish lifestyle but today, I filed bankruptcy to protect my parents to going to prison for mismanaging my finances.

-Aaron Carter, Singer Celebrity
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Even if you have a lot of money, if you don't have Financial Education, that money went gone.

03/11/2022

How Does Kaiser Long-Term Healthcare Work?

Kaiser International Healthgroup, Inc. is one of the product providers of IMG offering people (as of writing) the only Long Term Healthcare Program in the Philippines.

It’s a 3-in-1 product that solves the 3 major financial needs of Filipinos: investment, life insurance and long-term healthcare.

This long-term care product is called the Kaiser Ultimate Health Builder. How does it work?

The long-term care program has 3 phases: the accumulation period, extended period, and the start of long-term care period (maturity).

1. Accumulation Period (7years)
This is the part where the plan holder is made to save for 7 years.

At this period, the plan holder gets to have the following benefits:
- Free Annual Physical Exam
- Free Dental Benefits
- Waiver of Installment due to death
- Waiver of Installment due to disability
- Basic Medical Benefits
- Member’s choice of room and board
- Annual Benefit Limit (starting at 50,000 per year depending on the plan)

During this period, pre-existing conditions are not covered. This is to protect the healthy plan holders and the company. If pre-existing conditions are covered, then everyone will be selling inside the hospitals.

2. Extended Period (13years)
Since it is also an investment product, the funds have an extended period or what we call growing and waiting period as the funds are allowed to be invested and grow at an average rate of 10%.

The plan holder no longer needs to contribute in his account but just have to wait for its maturity. The funds inside Kaiser are invested in mutual funds handled by one of the top investment companies in the Philippines.

The benefits in this period include:
- The same as the accumulation period but the payments are already deducted from the funds inside Kaiser.
- Term Life Insurance for 20 years (starting at the accumulation period up to the end of extended period)
- Accidental Death and Dismemberment for 20 years (starting at the accumulation period up to the end of extended period)
- Lifetime Network access to over 500 major hospitals
- Additional Health Bonus when the market is at top performance
- Receives the VISA card after full contribution from the accumulation period

3. Long-term Care Period (beyond 20years)
Upon maturity, the plan holder will receive the following benefits:
- Total accumulation of unused health benefits
- Long term care benefit or the plan coverage
- Long term care bonus (up to 85% of return on premium contributed when there are no claims e.g. hospitalization during the accumulation period rendering the plan almost cost-free)
- Additional health benefits when the market is at top performance

All the above benefits will be good as cash. The plan holder now has the option to withdraw all the money, or take half of it or, let it accumulate until retirement years continuing to grow at an average rate of 10% per year.

Upon age 60 or 65, the person can then decide to convert it as pension type example getting the annual interest only per year, or withdraw it all as lumped sum retirement fund.

The beauty of Kaiser long-term care program is that when a person gets sick, it is a health fund, but if not, it becomes your savings.

Unlike the traditional healthcare where the person contributes per year, and when he doesn’t get sick, no return of premium is available.

The Kaiser long term plan covers beyond age 60 and above basing on the health funds accumulated in your account.

02/11/2022

"YOU CAN EITHER MAKE MILLIONS or MAKE EXCUSES. BUT YOU CAN NEVER HAVE MILLIONS WITH EXCUSES."

Busy ka ba talaga? o busy ka lang ubusin ang pera at oras mo?

Tandaan;
Iba ang busy sa productive. Lalo na kung busy ka sa maling bagay. Lumilipas ang panahon, pero wala pa din nagbabago sa buhay mo.

Bakit di mo namang subukang e-improve ang sarili mo? Physical, Financial, Spiritual and Health.

Subukan mong dagdagan ang knowledge, skills and iimprove pa ang talents na meron ka.

- Magbasa ng Books

- Umatend ng mga Seminars (lalo sa mga activities sa Church).

- Manuod ng mga Motivational Videos.

- Maghanap ng mga Mentors and Coaches.

Tignan mo...After ilang months or ilang years may magbabago sa buhay mo.

02/11/2022

St. Lukes muna bago St. Peter kase. 🫢

01/11/2022

Bakit nga ba maganda magkaroon ng Kaiser 3 in 1 Savings Program ang bawat miyembro ng Pamilya lalo na yung mga bread winner.

✔️Kapag hindi ka na employed at binawi na nung dati mong employer yung shorterm HMO mo, hindi ka magwoworry kung maospital ka.

✔️Kapag hindi mo nagamit ang annual health care coverage mo hindi sya naeexpire unlike short-term health care (HMO) na no refund ang premiums magamit muman or hindi. Sa Kaiser marereceive mo ang guaranteed Long-term care bonus (cash) sa maturity.

✔️May kasama na syang life insurance for income replacement or protection para sa family just in case may nangyari sa policy holder.

✔️Waived na ang payment kung may nangyari sa policy holder, means wala ng babayaran ang family kahit 1 year palang nakakainvest ang policy holder, ma transfer pa ang health care coverage sa beneficiary.

✔️Nakainvest sa mutual fund ang health fund kaya nag-eearn sya ng 10% rate of returns at may variable earning pa depende sa performance ng stock market.

✔️Good as cash sya pagdating ng maturity, So pwede kang mag-withdraw gamit ang iyong visa card. Hanggat may fund ang account mo, patuloy lang ang pag-earn ng 10% rate of returns (compounded) annually.

✔️Covered ka kahit beyond 60 years old ka na, as long as you live at may fund ang iyong acçount!

✔️In case of emergency, pwede magamit as family assistance.

✔️Maari kang magkaroon nito sa halagang P88.23 a day mas mahal pa ang 1pc chic N' joy na may drinks & fries bes?

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Sinu ang pwedeng maka avail nito?

✔️Lahat ng nasa 10-60 years mayaman man o mahirap basta healthy ay qualified po for this program?

✔️If you really love your family at ayaw mong maging burden sa kanila either you die too soon or you live too long.

✔️Get Kaiser 3 in 1 ,(Longterm Healthcare, Life Insurance + Investment) as early as you can, "mas daig ng maagap ang masipag"

✔️Para sa klaro at kumpletong detalye, pm lang o comment sa post na ito about your inquiry.

29/10/2022

29/10/2022

Alam nyo ba sa IMG tinuruan tayo dito na matuto na mag ipon ng tama for in case something happens to the a breadwinner either die to soon or live too long?

A photo below are the beneficiaries of our Kaiser Long-termcare saver na si
Fr. AURELIO "Au" Ocarol isang pari na may naiwan sa kanyang pamilya. Isa siya sa Kaiser saver natin for 3 yrs. at bigla siyang pumanaw sanhi Ng Cardiac arrest. At dahil may savings siya ma may protection, ayan nka claim ng kanyang mga beneficiaries kangena sa CEBU IMG Financial Center. 10/27/22
Nagluluksa ang pamilyang naiwan subalit maluhaluha na nagpasalamat ang Nanay ni Father Au na 78 yrs old at Ang Kapatid nyang babae nung hawak nila ang mga Benefit claim . Thanks to SMD Father Junly Cortes , he is the one who share IMG and Kaiser to Fr. Au .
Yan talaga Ang kagandahan Ng misyon natin .Marami tayung pamilya na matulongan .
Salamat sa walang sawang suporta Ng mga mentors natin lalong lalo na kay Sevc Maam Ginalyn Agot Labrado and Sir Rey,CEO Roscel Gungob and Jen Doroy Gungob ,Ceo Raymond Lapiña Malazarte .
Salamat IMG at Kaiser International.😍

Sa mga interesado.
Message mo lang ako.,usap tayo.

27/10/2022

13TH MONTH PAY IS WAVING 👋👋😁

A friend asked me, bakit passionate ang mga IMG Financial Educators/Campaigners sa 13th month pay ng mga tao.
Well, passionate din naman kasi ang mga malls, stalls at online shops.

They just advertise by focusing on WHAT YOU WANT, while we, Financial Educators, advertise by focusing on WHAT YOU NEED.
We ease your worry and give you peace of mind.

Pero at the end of the day, ikaw pa rin ang magdedecide kung saan at paano mo yan gagastusin. Anong essentials para sa'yo!

We don't steal your money. In fact, we help you make it grow and protect your family.💯

Mas masarap isipin na naging WISE ka sa perang pinaghirapan mo dahil pinalago mo sya at ginawang paraan para di ka maghirap in the future. Think twice in spending, hard-earned money mo yan. ☺️💛

If you are interested on how are you gonna spend it wisely, don’t be shy to send me a message. I would love to help you. 📲

Let's be FINANCIALLY EDUCATED. To SAVE our Financial Future.