International Marketing Group-IMG Panay

Become a shareholders in this big company. You can invest here at the very low low risk ❤

The best savings formula or we called it the Abundance Formula.
One of the simplest concept that every body can start to develop every payday to make it a habit.
Income (100%) - Tithes (10%) - Savings (20%) = Expenses (70%)

Some of you may know this already but the question is, did you apply this already?
Knowledge without application is useless.

LongTerm HealthCare (LTC) is very unique, because it is only 7 years to pay.
Others say, ′′ It's taking too long, 7 years!"
I said, ′′ Long time compared to where?"
20 yrs sa abroad, natiis.
20 years of going out, I was able to do it.
20 years of betting on the lottery, it's okay.
Been smoking for 20 yrs, go ahead.
20 yrs of drinking alcohol, so.
The loans are paying for 20 years until now, they can handle it.
If you only save for 7 years... then you have a Healthcare Fund, Life Insurance, and Investment Fund... is that a long time?

Why budgeting your hard earned money is so important?
Without a budgeting para kang nakatira sa isang bahay na puro kalat. Di mo alam kung saan na nakalagay yung mga gamit mo until you realized ubos na pala or sira na. Ganun din sa pera, pag hindi ka organized or wala kang sinusunod na budget, magugulat ka nalang, kakasweldo pa lang, after a few days ubos na naman yung pera mo. And you further realized na na stuck ka na pala sa ganung cycle. Then saka mo tatanungin sarili mo kung anong nangyari sa sahod mo. At ang tanging masasabi mo nalang ay, gone with the wind. 😂
By creating and following a budget, you tell your money who's the boss. You're able to spend with confidence and it sets you free from the guilt of overspending kasi nga may proper allocation ka na.
Try mo! Hindi pa huli ang lahat. Tutal, sweldo malapit naman ang pagsweldo. 😉
Maganda din umaattend ka sa aming webinar para mas mapalawig mo ang kaalamang pangpinansyal.
Message mo ako para sa mga schedules
Or you may go to 👇
http://bit.ly/FinancialClassFREE

In KAISER, you will only save 7 years. Even if you live until 100 years old, you still have healthcare.
3 in1 in1 HealthCare 𝐇𝐞𝐚𝐥𝐭𝐡𝐂𝐚𝐫𝐞 Income Replacement 𝐑𝐞𝐩𝐥𝐚𝐜𝐞𝐦𝐞𝐧𝐭 You are an investment.
Advantages of KAISER:
📌 VERY AFFORDABLE: You will only pay for 7 years. To others, 10 to 20 years. If there's a 5 years old, there's no HealthCare yet.
📌 IT'S NOT A PROBLEM TO ADMIT IN THE HOSPITAL: You can use it because you have an ENTER and the PLAN is active, provided at least you've been saving for 1 year thru Kaiser.
📌𝐁𝐀𝐒𝐈𝐂 𝐌𝐄𝐃𝐈𝐂𝐀𝐋 𝐁𝐄𝐍𝐄𝐅𝐈𝐓𝐒: Free Annual Physical Examination, Free Dental, etc.
📌 𝐅𝐈𝐗𝐄𝐃 THE AMOUNT: Whatever you started, it's fixed for 7 years, it won't change even if you're aged.
📌 THERE IS A FAMILY ASSISTANCE: You can use it for your immediate family who got sick. You don't need to borrow money just to pay the hospital bill. * subject for Kaiser approval *
📌 TRANSFERABLE: This can be transferred to death, your loss will not be heavy FINANCIALLY in the family. And when it comes to maturity, your beneficiary will get big money from your investment.
Disadvantages of non-KAISER:
❎ Healthcare provided by your company is only short-term. When you resign or retire, you don't have healthcare anymore. That's why it's important that you have LONG-TERM Healthcare as well.
❎ Insurance and Investment are the only others (2 in1). Most importantly you have healthcare. How about your bills in the hospital getting old?
❎ Every year you pay for money because your age is contributing. In KAISER, it's fixed for 7 years.
Funny, right?
PM me now.

Understanding the basics of your SOLDIVO STRATEGIC GROWTH FUND...
Ito ay isang Equity type of mutual fund. Meaning yung binibigay mo na pera ay diversely invested to different Philippine Equity Markets.
Ibig sabihin, bawat invest mo ito ay minamanage ng mga FUND MANAGERS invested to: ( see image below )
Yung sinasabing NAVPS, or net asset value per share is not the price ng bawat isang company na included sa PORTFOLIO mo but ito na yung kabuuan.
Total Assets - Total Liabilities
Divided by
Total number of Shares
= NAVPS
Ang NAVPS ay affected sa galaw ng mga companies kung saan ka nakainvest. Para mas malinaw imagine mo na lang na ito ay isang basket na may maraming prutas.
The fruit designates each company. While the basket is the NAVPS. So kaya sinasabi natin sa PESO COST AVERAGE na pag bumaba ang price mas mabuting lakihan ang pagbili ng shares, kasi the lower the price the more number of basket na mabibili mo.
This is for longterm goal, how long is long. It's really up to your definition. 🤭🤭🤭
Image taken from RAMPVER OFFICIAL WEBSITE...
Credit to Coach Aan and Rampver.

Amazing Program!!!
KAISER ULTIMATE HEALTH BUILDER
Dapat malaman mo to: 51% of our paid premium is in TRUST FUND while 49% is invested in MUTUAL FUND w Top Fund Manager & investment Guru, REX MENDOZA.
Now, parang BUDGET MEAL, i can now invest for my Child's Future & be protected JUST INCASE in many ways... But if God be willing that we are given LONG LIFE & HEALTH then we Harvest like KINGS & QUEENS on our Retirement!
Im now FULLY PAID w my funds compounding at 10% per Annum!
Im Excited for the Future unlike before na Fearful or Unclear. Thanks IMG & KAISER!

REGRETS...
Sharing this post from someone. Baka makarelate din po kayo. 🙂
👇👇👇
I saw a post about how to get out of poverty, manage finances and protect the family against uncertainties. These concepts made sense, but "duh, blah! blah! blah!"
After 5 years of working, I am dissatisfied, tired, no savings, lots of debts and still struggling, saw another post about learning how to manage finances but my pride was holding me back cos "why should I listen to someone like her, I am a professional with lots of titles."
After a year, she dared to message me inviting me to a financial literacy class. I seen-zoned her. But she kept on pursuing her invitation. I made up excuses because she was so annoying.
After a year, I still saw the same kinds of posts and she was still sending invitations and I realized, I am not going anywhere with my current situation, and soften a bit saying to myself "why not give this a try".
I listened to the talk and all she said was correct. I don't have any savings and I don't know where all my money went. I realized "I do need to save because I am not getting any younger."
But I couldn't give up my luxuries, my Starbucks coffee, my branded clothes, so I ignored my realization and procrastinated saving for my health and my future because I was still capable and healthy anyway. Saving for my future can wait.
After a year, I got diagnosed with kidney failure, I needed to do regular dialysis, I didn't have any money and my debts piled up like hell. I remembered her. I approached her and asked if I could get a healthcare program but she said I am not eligible anymore to get one because I am already sick.
LESSON: I declined healthcare and savings because I was healthy. Now, healthcare declined me because I am sick and I couldn't save a single cent because I have lots of debts.
"Fix the roof while the sun is still shining." ☀️

Health is wealth, as the saying goes.
Indeed, this is true as medical treatments nowadays can easily cost a fortune.
Even if you aren't in a good financial shape, if you are healthy you have a lot to be thankful for.
However, we cannot predict when we will get sick.
Hence, at any time, we need to have some form of financial protection that will help us put a cap on our medical bills.

ust saving/investing of 88 pesos per day or 2,647 pesos per month for only 7 years you can secure your future.
Assuming you're 25 years old and you start to save and invest Php 2,647.00 per month for just 7 YEARS , you will have:
* 524,776 pesos at the age of 45
* 2,192,120 pesos at the age of 60
* 3,530,431 pesos at the age of 65
What if you can SAVE more?

Why don't Pinoys invest?
20's - Bata pa naman ako, saka na ako mag-save at invest. YOLO!
30's - Magsimula na kami magtayo ng pamilya bro, unahin ko muna pang araw-araw namin, saka na 'yan.
40's - May mga anak na ako, andaming gastusin sa school, pasukan na naman, saka na 'yan.
50's - Malapit na ako magretire, patapusin ko muna panganay ko para sya na bahala sa mga kapatid nya, saka ako magiinvest.
60's - Retired na ako. Wala na akong income. Sana nag save and invest na ako noon. Sana nalaman ko ng mas maaga.
Don't let that be you.
The longer time you have, the less money you need to save and invest for your goals (e.g. retirement). The less time you have, the more money you need to put in.
It's choice time! 🙂
Attend to our financial class to learn how to do it the right way. Direct message me for details.
Our vision is that many Filipinos will become multi millionaire because of what we teach. 🥂

NO MORE PHILHEALTH DUE TO CORRUPTION???
BUT HEALTH IS WEALTH, MAHAL MAGKASAKIT!
Let me SHARE my KAISER 3 in 1 Savings Plan.
Pinakamurang Investment na pwede kang makapagsimula sa halagang 88 pesos a day.✔️
Kung nakakagastos ka ng 100 pesos araw araw. Ipunin mo nalang yan meron ka nang:
- Hospitalization 50,000 pesos yearly.
- Libreng Dental Benefit (Bunot, Check up, Cleaning)
- Annual Physical Exam or APE
- Life Insurance na hanggang 405,000 pesos
- Retirement Fund of 3 million
Meron din 4 beneficiaries for Family assistance.
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?
Secure your Retirement NOW!!
START INVESTING NOW !!!
Meron din KAISER SENIOR CARE for Ages above 60 years old. 🙂
Message me I am willing to help you get your KAISER. ❤