Money Matters to Grow

20/06/2023

One day, you will realize the value of SAVING and INVESTING.
One day, you will realize that it's useless working hard w/o having the knowledge how your money will work back.
One day, you will thank the people who shared to you the Mission of IMG.

Learn more about IMG here: www.MyMoneyDoctor.net

21/03/2023

Alam moba n isa s pinaka maganda at pinaka gusto ko dto s kaiser ay may bonus pala n puede ntin makuha pagdating ng maturity kung mappanatili natin n healthy tau habang paying period ...
Ang up to 85% na bonus ay "return of premium for non-utilization" of health insurance. Ang health insurance natin sa Kaiser ay ang hospitalization benefits sa unang 7 taon.

Maski once lang gamitin, mawawala ang return of premium na ibinibigay sa end ng 20th year.

Ang mga protection products ay may portion na "siguro" at minsan may "sigurado".

Sa Kaiser long term healthcare, maganda pareho ang portion na "siguro" at "sigurado"

Sa K45, ang potential na hospitalization benefit ay 7 x ₱50,000 = ₱350,000 sa 7 taon. Pero ang bayad ( kung annual ) ay ₱185,288,

Kung sakitin at laging naho-hospitalize, sulit na sulit, kasi "siguro" maaaring hanggang ₱350,000 ang benefit, sa hospitalization sa unang 7 taon pa lang ( maximum ₱50k per year )

Kung hindi naman nagamit sa first 7 years, ang return of premium ay ₱157,500. Idagdag pa natin ang long term care benefit na ₱45,000 ang total na "sigurado" kung hindi nagamit sa hospitalization sa first 7 year, ay ₱202,500 on maturity. Lampas pa sa ₱185,288 na total na bayad.

Magamit man o hindi sa first 7 years, may "sigurado" pa na annual health benefits at annual health bonus mula year 8 hanggang year 20. Parang short term healthcare ito, na ang benefit limit ay kung magkano ang health fund. Ito ang sinasabi na "health benefits" accumulate with interest"

Sa K45, kung hindi ginamit, sa dulo ng 20 years, ito ang health fund mo na potentially ₱322,375 at the end of 20 years.

"Siguradong" may health benefits, na nag-accumulate with interest, kaya "siguro" aabot ng ₱322,375.

Idagdag dito ang long term care benefit at return of premium, kaya ang potential total ay ₱524,776.

21/03/2023

"The money we SAVE TODAY will SAVE our needs tomorrow."

Pag maaga tayong magsimulang mag-ipon, mas maganda ang ating kinabukasan.
Kung 30 yrs old tayo ngayon, may 30 years tayong paghandaan ang retirement natin.
Kung 40 yrs old na, may 20 years pa tayu paghandaan.
Kung 50 yrs old na tayo, 10 years na lang retirement years na.
Kaya habang may panahon pa. Kumikita at malakas pa tayo, magsimula na tayong mag-Ipon at mag-Invest.

Simulan mo na!!!






For your DIY Quotation
click here⬇️⬇️⬇️
https://bit.ly/3kD87CV

18/03/2023

🤔Kailangan ko pa mamatay at mag-kasakit para mapakinabangan...

OPPPPS. NO!NO!NO!. .kay KAISER... MAGING healthy ka. Ngiting tagumpay ka din😁.

On March 7, 2023, Mr. Glenn Molina, received a Maturity Benefit Withdrawal from Kaiser International Healthgroup Omnis, Makati through his representative, Mr. Morris Duane Avergonzado. His journey has been a long and rewarding one, and we are proud to say that he has attained the maximum level of maturity in his healthcare journey.

We are honored to recognize his hard work and dedication, and we wish him all the best in his future endeavors

Congratulations, Mr. Glenn Molina!

17/03/2023

ULTIMATE KAISER HEALTH BUILDER

A one of a kind HMO Product na ang layunin ay magkaroon tayo ng pondo para sa atin pangangailangan medikal.

Ito ay isang produkto ng KAISER INTERNATIONAL HEALTHGROUP na itinatag noong June 8, 2004

KAISER INTERNATIONAL HEALTHGROUP
Accredited ng Department of Health (DOH) at Insurance Commission (IC).
Registered sa Security and Exchange Commission (SEC) as healthcare provider na may authorized capital stock of P160M

7 - 13 - 20

* 7 Years Saving Period *
Healthcare Benefits during Saving Period
+ Annual Physical Examination
+ Annual Dental Benefits
+ Basic Medical Benefits
+ Annual Hospital Benefit Limit
+ Choice of Room & Board
x Pre-Existing condition not covered

* 13 Years Compounding / Extended Period *
Features during Compounding Period
+ Use of Healthcare Benefits will be refunded on Healthcare Fund
+ 10% of K-Plan as Annual Health Benefit Compound at 10% p.a.
+ Annual Health Benefit Bonus (Dividend , estimate 6 -10% p.a)
+ Long Term Care Return = “K-Plan” (upon Maturity)
+ Long Term Care Bonus (85% Money Back upon Maturity)
+ Receive VISA Card after full payment
+ Pre – existing condition covered

* 20 Years Insurance Benefits *
+ Term Life Insurance
+ Accidental Death & Dismemberment
+ Waiver of membership due to Death
+ Waiver of membership due to Disability

Your PhilHealth benefits is Integrated with Kaiser
~ Once admitted, you will be advised to file your PHILHEALTH REIMBURSEMENT FORM.
~ The PhilHealth reimbursement due shall de deducted from the total hospital bills
~ Kaiser members without PhilHealth membership, shall shoulder and pay the corresponding portion of PhilHealth
~ PhilHealth portion is tentative amount and will depend on illness covered.

K A I S E R H E A L T H C A R E P L A N

* KAISER K - 45 *
P 2,647 / month for 7 years | P 26,470 / year for 7 years
P 524,776 estimate Healthcare Fund upon Maturity (20th Year)

* KAISER K - 60 *
P 3,529 / month for 7 years | P 35,290 / year for 7 years
P 699,701 estimate Healthcare Fund upon Maturity (20th Year)

* KAISER K - 75 *
P 4,412 / month for 7 years | P 44,120 / year for 7 years
P 874,626 estimate Healthcare Fund upon Maturity (20th Year)

* KAISER K - 100 *
P 5,882 / month for 7 years | P 58,820 / year for 7 years
P 1,166,168 estimate Healthcare Fund upon Maturity (20th Year)

01/03/2023

Aantayin mo pa ba ang panahon na puro SANA!
SANA kumuha ako health care insurance!
SANA nakapag ipon ako!
SANA may maiiwanan ako sa mga anak ko!
Habang may panahon pa, umaksyon ka!
Handa kami na matulungan ka at ang iyong pamilya!

Ang Premium ay base sa iyong edad. Kaya habang bata ka pa simulan mo na. Kahit late na ang edad mo kung wala pa namang 60, maaari ka paring kumuha nito.. better you have one than nothing.
Kelan mo mare realize na kakailanganin mo ito pagdating ng.panahon?
Act now!

01/03/2023

MISSION DELIVERED! ❤️❤️❤️

Another family ang naka-claim ng insurance benefit from KAISER today!

Our team had an IMG Member & Kaiser Saver who sadly passed away because of vehicular accident. Ang beneficiaries nya ay ang kanyang parents, nag submit yong sister nya sa documents 1st week of January 2023 and 4th week of January tinawagan na agad sila na ready na daw ang checks. Sobrang bilis ng approval ng claim, nakaka-amaze ka Kaiser! ❤️

So pumunta sila dito sa Cebu to claim, with the assistance of MD Jen & SMD Jonnifer, pati narin kami. Sinamahan namin sila sa Kaiser office. Their late daughter got a Kaiser K100 plan, since accident ang cause, double amount ang nakuha nila.

There's more, ang Kaiser plan ng nag-pass away ay automatically considered as fully-paid dahil kasama sa benefit ang waiver of installment due to death, tapos maiitransfer na din sa Father ang healthcare policy.

So after nilang na-receive ang checks kanina, pinag-usapan talaga namin what's their plan for their money.

"We told them kanina na, you are very blessed meron kayong anak na nag-iisip sa inyong future sakaling mawala sya. Yang malaking amount na na-claim ninyo ay one of those huling alaala sa kanya, sanay hindi masayang at mamanage ng tama."

So after our discussion, we processed their membership and Kaiser K100 spotcash for the Mother. And ang sister ay nag member din.

We love our mission. We love IMG & Kaiser. We're all working hard na marami pang matutulongang pamilyang Filipino!

***

Hindi naman natin hinangad na mawalan ng kapamilya, at lalong ayaw nating mawala ng maaga. But ito yong reality, hindi natin hawak ang buhay, anytime, pwede tayong kunin ni Lord.

Ang big question is ready na ba tayo financially? May maiiwan ba tayo sa ating pamilya kung sakaling kinuha na tayo ni Lord?

17/02/2023

16/12/2022

Dahil mahal mo sila

Nagtrabaho ka,
kumita at binigay mo
lahat ng kailangan nila.

Pag matanda ka na,
Sana maibigay din nila
lahat ng kailangan mo
pati ang medical expenses at
retirement needs mo.

Kung hindi ka sigurado, dapat may
sapat na healthcare and retirement savings ka.

The KAISER 3 in 1 Savings Plan.
Pinakamurang Investment na pwede kang makapagsimula sa halagang 88-190 pesos a day.✔️
Kung nakakagastos ka ng 100-200 pesos araw araw. Ipunin mo nalang yan meron ka nang:
✔️ Hospitalization 50k - 60k pesos yearly.
✔️ Libreng Dental Benefit (Bunot, Check up, Cleaning)
✔️ Annual Physical Exam or APE
✔️ Life Insurance na hanggang 900,000 pesos
✔️ Retirement Fund

📌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 account!

📌Maari kang magkaroon nito sa halagang P88 a day mas mahal pa ang C1 Chicken Joy ng Jollibee.

📌Sinu ang pwedeng maka avail nito?
Lahat ng nasa 10-60 years old mayaman man o mahirap basta healthy ay qualified po for this program?

May nagsasabi "ang mahal naman nyan", In reality mas mahal ang magkasakit, mahal ang kamatayan, at mas magastos ang pagtanda..lalo pa kung wala kang ipon, tama ba?
START SAVING NOW!!!

How to start? Send me message
https://bit.ly/3ceXOjA

22/11/2022

𝐑𝐄𝐓𝐈𝐑𝐄𝐌𝐄𝐍𝐓 𝐢𝐬 𝐧𝐨𝐭 𝐚𝐛𝐨𝐮𝐭 𝐭𝐡𝐞 𝐚𝐠𝐞.
It's about the amount of money you need in order to sustain your Life, during your Retirement Years.

Kung magre-retire tayo ng 60 years old at mabubuhay awa ng Dios hanggang 80 years old , our Retirement Years = 20. By then we will, most probably, be unemployed (unable to work nor actively participate in our business) and thus, we'll need alternative sources of income to fund the basic expenses of a typical retiree (food, househelp, maintenance medicine, hospitalization, etc.) and of course, to live-out our dreams (travel, re-modeled house, upgraded car/vehicle, regular treat for grandchildren, etc).

Sa food pa lang natin, kulang na ang P1 Million para makakain tayo ng 3 times/day (at P50/meal). Isang araw lang na walang pera ang tao, mahirap na di ba? Imagine if 20 years tayong walang pera kapag retirado na.

"Never stop learning. Because even at retirement, life will never stop teaching."

Join us and learn on how to manage your finances.

Message me for more details🥰