Joel Dolot - IMG Financial Educator

4 Reasons Why Planning for Retirement is Important
1. SSS is not enough - it will not sustain your medical bills and you will need to downgrade your lifestyle if you will depend on SSS alone.
2. INFLATION - Your 1 peso right now will have lesser value in the future.
3. OUR KIDS are not our retirement fund - part of pagtanaw ng utang na loob culture. We need to break this culture of dependency. Let us not be a burden to our kids in the future.
4. WE LIVE LONGER - Imagine retiring at the age of 60 with no income then living until the age of 80,thats 20 years worth of expenses,60 years old too far to imagine right? How about about taking a vacation for a month with no SALARY?
Let us not depend on our Company's retirement benefit.
What if u lose your job or your company go bankrupt?
Learn how money can work for you thru our live zoom training everyday 🙂


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LIFE LESSONS FROM SQUID GAME. 💥

1. Financial literacy is VERY important. Learn it before you get broke.
2. Life is like a game. It is important to keep on winning despite the struggles.
3. There will be people who will make fun of you when you lose. Treat them nice, they are your silent fans.
4. Money can't buy happiness. Poverty can't buy too. Build wealth for your convenience.
5. We are in a world full of deceptions. Know whom you can truly trust. Indeed.

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Gaano katiwa-tiwala ang KAISER?🧐🤔
Sila lang nman ang mga departmento ng ating bansang Pilipinas na KAISER 3in1 savings plan ang provider ng kanilang Healthcare!👇👇👇

🔥SUPREME COURT REPUBLIC OF THE PHILIPPINES
🔥 SENATE OF THE PHILIPPINES
🔥 HOUSE OF REPRESENTATIVES
🔥 DEPARTMENT OF AGRARIAN
🔥 PHILIPPINE COAST GUARD
and More to come!!! 💪





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Sa Ganitong Paraan Ko Lang Ito Maiishare Sayo Kaibigan, 👉3 Major Financial Needs sayo.

If you have choice but if you retire you have no choice.
Bakit kailangan mong mag-ipon dahil kailangan mong paghandaan ang 3 IF'S ng buhay mo.

What if you get sick?
Kanino ka lalapit kung magkasakit ka, eh paano kung wala kang ipon. Paano na? Di ba mangungutang ka para lang bayaran ang bills mo sa Ospital.

Eh paano kung magkasakit ka? Paano kung wala kang ipon. Mahirap kung kailan may sakit ka doon mo pa lang naisipan magipon.

What if you Die too Soon?
Dba, magsisimula ka pa lang mag-ipon pero kinuha ka na ni Lord paano na ang pamilya mong iniwanan mo. Paano kung may utang ka pa, tapos nawala ka na, sino sasalo ng mga utang mo, dba yung Pamilya mo pa ang sasalo sa mga utang mo.

Eh paano na... dba kailangan tayo mismo malinaw saatin ang importances ng Insurances. Kasi ito ay para sa pamilya mo, diba habang naghuhulog ka or nagsisimula ka mag-ipon protektado ka.

What If You live too long?
Eh di masaya,

Pero paano kung kailan magreretire ka na wala ka pang naipon. Paano kung wala ka ng trabaho paano na ang life mo. Kanino ka aasa sa pagtanda mo? Sa Family mo?

Sa totoo lang ang family nati ang kakampi natin sa pagtanda natin pero mayroon din silang sariling responsibilities masaya ba na magi g pabigat tayo sa family natin, Dba hindi!

Kaya tayo mismo dapat alam natin ang tatlong Pangangailangan natin sa pagtanda.

Make sure malinaw saatin kung ano yung tamang pangangailangan natin.

Message me to attend ng Free Financial Class via Zoom kasi dito ituturo sayo ang apat na concepts na makakatulong sa iyo🤔

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Asset vs Liability

Son: Dad, may I speak with you?
Dad: Go ahead.
Son: Among all my classmates, I am the only one without a motorcycle . It is embarrassing.
Dad: What do you want me to do?
Son: I need a motorcycle. I don't want to feel odd.
Dad: Do you have a particular motorcycle in mind?
Son: Yes dad (smiling)
Dad: How much?
Son:$2000
Dad: I will give you the money on one condition.
Son: What is the condition?
Dad: You will not use the money to buy a motorcycle but invest it. If you make enough profit from the investment, you can go ahead and buy the motorcycle.
Son: Deal.

Then, the father gave him a cheque of $2000. The son cashed the cheque and invested it in obedience to the verbal agreement that he had with his father.

Some months later, the father asked the son how he was faring. The son responded that his business was improving. The father left him.

After some months again, the father asked him about his business
again and the son told him that he is making a lot of profit from the business.

When it was exactly a year after he gave him the money, the father asked him to show him how far the business has gone. The son readily agreed and the following discussion took place:

Dad: From this I can see that you have made a lot of money.
Son: _Yes dad. _
Dad: Do you still remember our agreement?
Son: Yes
Dad: What is it?
Son: We agreed that I should invest the money and buy the motorcycle from the profit.
Dad: Why have you not bought the motorcycle?
Son: I don't need the motorcycle again. I want to invest more.
Dad: Good. You have learnt the lessons that I wanted to teach you.
- You didn't really need the motorcycle, you just wanted to feel among. That would have placed extra financial obligations on you. It wasn't an asset then; but a liability.
- Two, it is very important for you to invest in your future before living like a king.
Son: Thanks dad.

Then the father gave him the keys of the latest model of that motorcycle.

MORALS:
1. Always invest first before you start living the way you want.

2. What you see as a need now may become a want if you can take a little time to get over your feelings.

3. Try to be able to distinguish between an asset and a liability so that what you see as an asset today will not become a liability to you tomorrow.

----------------------------------------

Identify yourself
Build yourself
Be yourself...

Ctto.

𝙉𝙤𝙩𝙝𝙞𝙣𝙜 𝙗𝙚𝙖𝙩𝙨 𝙝𝙖𝙫𝙞𝙣𝙜 𝙖 𝙬𝙤𝙧𝙧𝙮-𝙛𝙧𝙚𝙚 𝙛𝙪𝙩𝙪𝙧𝙚!
Marami sa atin naghahanap ng investment for our money to grow. But we are forgetting the most important investment that we could get.

And that is having healthcare and life insurance. Lahat ng naipundar mo o naipon mo ay maaaring mawala because of sickness or serious illness, or worst mawala ang inaasahan sa pamilya.

We cannot predict or control our future. Maraming unforseen events or uncertainties na di natin mapipigilang dumating. Pero iba kung tayo ay handa.

Iba kung tayo ay may healthcare na kaagapay natin sa ating kalusugan at insurance to protect our family while building our wealth.

If you really love your family at ayaw mong maging burden sa mga mahal mo sa buhay either you die too soon or you live too long. Get your UTIMATE KAISER HEALTH BUILDER as early as you can, "mas daig ng maagap ang masipag"

ANO BA ANG ULTIMATE KAISER HEALTH BUILDER?

Ito ay 3 in 1 Savings Program na merong Healthcare, Insurance , at Investment.

BAKIT ULTIMATE KAISER HEALTH BUILDER ang the best investment to START?
✔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 mo man 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 projected 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.
Sinu ang pwedeng maka avail nito?
Lahat ng nasa 10-60 years old mayaman man o mahirap.

START YOUR ULTIMATE KAISER HEALTH BUILDER NOW!

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Warning: Beware of A.K.N.Y. Virus spreading!

Symptoms:

1. You feel very successful that's why you don't want to listen anymore.
2. You think everything you need to know in life is what you learned from your profession.

I read in the book ′′ Secrets of the Millionaire Mind ′′

....."If you're not yet truly happy and successful as you'd like to be, then THERE'S STILL SOMETHING YOU DON'T KNOW."

If you don't have enough passive income yet...
If you still have to work everyday to make some expenses...
If you still have a debt you want to pay...
If you haven't achieved your dreams in life...
If you want to be more successful in your Financial Life..
Be Financially educated..

CTTO

Details
ANNOUNCEMENT GUY'S.. ALERT, ALERT
WE HAVE 6DAYS LEFT.., HURRY UP.., UNTIL MAY 31,2021 ONLY..

Gusto mo bang magkaroon ng 𝗙𝗥𝗘𝗘 𝗣𝗘𝗥𝗦𝗢𝗡𝗔𝗟 𝗔𝗖𝗖𝗜𝗗𝗘𝗡𝗧 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 (𝗣𝗔𝗜) 𝘄𝗼𝗿𝘁𝗵 𝗣𝟮𝟬,𝟬𝟬𝟬.𝟬𝟬 from 𝗜𝗠𝗚 in partnership with 𝗠𝗮𝗻𝗶𝗹𝗮 𝗕𝗮𝗻𝗸𝗲𝗿𝘀 𝗟𝗶𝗳𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗖𝗼𝗿𝗽𝗼𝗿𝗮𝘁𝗶𝗼𝗻?
Tama ang pagkakabasa mo, 𝗶𝘁'𝘀 𝗙𝗥𝗘𝗘! 😲
As in wala kang babayaran.😍

ＰＡＡＮＯ？ 🤔
1. Just subscribe to our 30Mby2030 Financial Literacy Campaign through this link: https://149534ph.30m2030.com/sharelist
2. Check your email and click the link sent to you via email to successfully subscribe and follow the instruction on the next emails you will receive.
3. Add 5 names with their mobile numbers and email addresses, to claim your 20k PHP insurance and have your policy.
Ganon lang kadali, 😮😲 what are you waiting for!

𝗟𝗜𝗠𝗜𝗧𝗘𝗗 𝗢𝗙𝗙𝗘𝗥 𝗢𝗡𝗟𝗬!
𝗙𝗢𝗥 𝗡𝗢𝗡 𝗜𝗠𝗚 𝗠𝗘𝗠𝗕𝗘𝗥𝗦

KAISER ULTIMATE HEALTHCARE BUILDERS PLAN GOOD NEWS for OFWs. Mag-ipon lang ng 7yrs in one plan. May HEALTHCARE, LIFE INSURANCE at INVESTMENT ka na. The best ipon na walang tapon.

𝑯𝒐𝒘 𝑫𝒐𝒆𝒔 𝑲𝒂𝒊𝒔𝒆𝒓 𝑳𝒐𝒏𝒈-𝑻𝒆𝒓𝒎 𝑯𝒆𝒂𝒍𝒕𝒉𝒄𝒂𝒓𝒆 𝑾𝒐𝒓𝒌?
👉It’s a 3-in-1 product that solves the 3 major financial needs of Filipinos:

❤️LONG TERM HEALTHCARE
❤️ DEATH AND ACCIDENT INSURANCE
❤️INVESTMENT

3 PHASES OF LONG-TERM CARE PERIOD:

1️⃣. 𝑨𝒄𝒄𝒖𝒎𝒖𝒍𝒂𝒕𝒊𝒐𝒏 𝑷𝒆𝒓𝒊𝒐𝒅 (7 𝒚𝒆𝒂𝒓𝒔)
You start saving for 7 years while getting the following benefits:
✔️- Free Annual Physical Exam
✔️- Free Dental Benefits
✔️- Waiver of Installment due to death
✔️- Transfer of investment to beneficiary if planholder dies
✔️- Waiver of Installment due to disability
✔️- Basic Medical Benefits
✔️- Member’s choice of room and board
✔️- Free Hospitalization with Annual Benefit Limit (starting at 50,000/year depending on the plan)
✔️- Life insurance equivalent to contract price
✔️- Accidental Death and Dismemberment for 20 years
✔️- Lifetime network access to over 500 major hospitals and pool of doctors.

2️⃣. 𝑬𝒙𝒕𝒆𝒏𝒅𝒆𝒅 𝑷𝒆𝒓𝒊𝒐𝒅 (13 𝒚𝒆𝒂𝒓𝒔)
As a health savings product, the funds are invested and allowed to grow at an average rate of 10% yearly. You stop paying and wait for the money to grow thru compounding interest. Kaiser invests in mutual funds handled by Soldivo and Rampver Financials. Benefits include:

✔- Same as the accumulation period but all health/hospital benefits will be deducted from your Kaiser fund.
✔- Additional Health Bonus when the market is at top performance
✔- All diseases covered including pre-existing conditions, critical illnesses, dreaded diseases, and maternity/childbirth.

3️⃣. 𝑳𝒐𝒏𝒈-𝒕𝒆𝒓𝒎 𝑪𝒂𝒓𝒆 𝑷𝒆𝒓𝒊𝒐𝒅 (𝒃𝒆𝒚𝒐𝒏𝒅 20 𝒚𝒆𝒂𝒓𝒔)
Upon maturity, the plan holder will receive the following benefits:

✔- Total accumulation of un-used health funds
✔- Guaranteed longterm care benefit or the plan coverage
✔- Long term care bonus (up to 85% RETURN of premiums/moneyback when no claims are made during the accumulation period or within the first 7yrs.
✔Additional health benefits when the market is at top performance
✔ Receives visa card where the funds are deposited

Options upon maturity:
☝🏻Withdraw all the money.
☝🏻Withdraw a portion/interest only and growth continues.
☝🏻Retain all and let it grow at an average of 10% Yearly.

📌Kaiser covers your medical bills when you're sick. But when you're healthy, Kaiser saves and invests your money for future use.

❎ This is NOT your traditional healthcare where you pay every year, but has no returns/savings when you don't get sick.

📌The Kaiser long term plan covers beyond 60yrs old & above based on the health funds accumulated.

Message me Now to avail your Kaiser HealthCare Plan‼️