Eager to Success
Bakit karamihan kapag nag NIB ayaw na ituloy? Kasi hindi naunawaan na insurance component lang which is free ni Kaiser ang nawala the most important component are still there, ang Health Care and Investment na pinaka point natin why we are saving for Future self. Ang Insurance eh kapag na tsugi na tayo, kaya wag agad ayawan ang kaiser kapag na NIB .. try to comply sa requirements'ng underwriter para ma re enforce ang insurance component po.
Kapag NIB, may option ka na i-withdraw ang iyong application within 7 days ( yata, not sure ). Kapag na-withdraw, ibabalik ang bayad.
Pero kung silipin mo ang benefits, ang Kaiser ay
-- maganda, maski healhcare lang
-- maganda, maski investment lang
-- maganda maski life insurance lang
Kaya kung NIB, 2-in-1 pa rin ang iyong Kaiser plan, kaya keep it na, sa halip na i-withdraw ang application.
You read and heard it right! IMG community's way of thanking the Filipino people.
Get your Free Personal Accident Insurance.
Plus+ free Ebook to guide you in your Financial upliftment journey.
Register here for the free 20k Insurance
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The poor mind loves to waste time.
No time, no money.
The poor mind wishes and dreams to live an average life.
The average mind sells time in exchange for money. And spends that money to have some time for rest and relaxation.
After years of working, there is little time left and small money left.
The average mind wants to look rich with branded stuff, extravagant vacations, expensive toys, so they tend to spend more than what they earn and get into unwanted debts.
The rich mind maximize their time in learning to build financial security (financial education) and wealth (savings, investments, assets).
After years of building wealth, they have something to give and leave behind to the family and community.
The rich mind wants to cut poverty and mediocre/average thinking in his family.
The rich mind wants abundance and prosperity for all, his family and community.
-
What we do with our time makes us poor, average or rich.
The Good News is...
We can change our life (financial situation) by changing the way we think about money and time.
We can adopt and develop a new way of thinking.
We can teach our minds to think prosperity instead of poverty, to think of abundance instead of anxieties, to be positive instead of being problematic, to think of plenty instead of lack.
We can do this and achieve this thru Financial education.
It's all in this book.
Get your copy today.
The Platform of IKEA, Costco and IMG
IKEA
IKEA's business concept is “to provide well designed, functional home furnishings at prices so low that as many people as possible will be able to afford them.”
At the heart of the strategy is the concept of do-it-yourself (DIY) furniture which means buyers have to assemble different pieces of the product themselves.
Costco
Costco uses a membership-only warehouse club business model. In this model, passing along lower costs to customers, and providing "differentiated and high quality" products, consumers pay a membership fee to access these low-cost products available at Costco stores.
IMG is the IKEA and Costco of the Philippine financial industry.
Members have D-I-Y access to the best financial strategies, cost-wise programs and benefits, free guidance, right knowledge, unlimited information and amazing career/income opportunity while learning to build financial security for their own.
Know more here https://242463ph.imgcorp.com
There is more to financial planning than just buying Life Insurance or investing in the Stock Market.
Lahat ng member ng IMG community ay ang mga taong naghahangad ng pagbabago sa kanilang financial life.
Sila ang mga taong naghahanap ng solusyun sa kanilang mga financial challenges kagaya ng:
✅ Lack of savings
✅ Small income
✅ Mismanaged income
✅ Bad debts
✅ PagkaGastador
✅ Lack of financial planning
✅ Family issues due to money
✅ Lack of purpose
✅ Kulang sa budget
✅ Lack of guidance
✅ Mismanaged time
✅ Kulang sa financial discipline
✅ Big dreams but small budget
✅ Big excuses and small hope left
✅ Wrong money beliefs and habits
✅ Lack of abundance and prosperity mindset
Kelangan natin ang PAGBABAGO kung saan sinisiguro ang mas solid at secure na kinabukasan habang ginagawa ang mga right steps o tamang habkang upang mabuo ang mas magandang buhay ngayon.
If you're looking for a better change in your financial life, your success is more attainable as an IMG community member.
It is proven by many.
It is tested by all.
Start your journey to a better life.
Find a community with a crusade you truly believe in and be a part of them, join them or get involved in their mission.
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Mababa na naman ang market, it is an opportunity to invest more. At kung hindi ka pa nakakapag umpisa, this is one of the best time for you to start.
Why? Madaming shares ang mabibili sa stocks or mutual funds.
Pero ang maganda, learn with us, attend our free financial classes, and start to join our community. Maganda, ung ikaw mismo alam mo ang iyong financial decisions at guided ka.
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Huwag po natin sila husgahan, o sisihin o kaya'y kasuklaman...tulad mo at tulad ko
"nagMAHAL lang naman sila."
At wla tayong magagawa dahil kailangan natin sila.
Sabi nga ni uncle Rex, we cannot control our country's economy, pero kaya naman natin icontrol our own economy.
How about learning the basics in IMG http://242463ph.imgcorp.com
Sabi ng marami mahirap mag ipon!!
Alin ba ang mas mahirap?
Mag-ipon o ang tumandang walang ipon?
Kung hirap ka ngayon na may trabaho kpa, paano na kapag matanda na at wala ng trabaho?
Reminder:
📍Ang edad natin ay umuusad
📍Ang trabaho natin ay temporary
📍Ang lakas natin ay temporary
🤔Kung wala tayong gagawin ngaun na bata pa, malakas at may trabaho pa, cgurado sa oras na katawan natin na ang sumuko sa atin maaala mo ang mga sinabi ko...promise!
Why?
☝️Because...No matter what your excuse is, one thing for sure you're going to get old next year!!! walang ligtas lahat tayo dito patungo..
☝️No matter what your excuse is you'll eventually retire and stop making active income, You have to take an action , secure your future now to have passive income.
MARAMI ang nagtatanong, ANO daw ang pinaka-RECOMMENDED na healthcare provider sa Philippines?
We actually recommend LONG-TERM HEALTHCARE that does not only stand as healthcare, rather a COMPLETE RETIREMENT PACKAGE or that supports a COMPLETE FINANCIAL PLAN.
Sa PILIPINAS,
NAG-IISA lang ang ganito sa market:
“KAISER LONG TERM HEALTHCARE”
It's a 3 in 1 plan, composed of
(1) Lifetime Healthcare,
(2) Lifetime Investment and
(3) Life Insurance.
HOW Does Kaiser Long Term Healthcare Work?
It’s a 3-in-1 product that solves the 3 major financial needs of Filipinos:
(1) Healthcare
(2) Investment
(3) Insurance
✅ 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. (7years).
This is the part where the plan holder is made to save for 7 years. - paying period
At this period, the plan holder gets to have the following AMAZING 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
👍- Free Hospitalizaton with Annual Benefit Limit (starting at 50,000 per year depending on the plan, or higher)
👉 2. (13years)
Since it is also an investment product, the fund has 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% yearly.
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 under EXTENDED period includes:
☝🏻- 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. (beyond 20 years)
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 lump 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/INVESTMENT.
💡Unlike the traditional (short term or HMO) 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 fund accumulated in your account until age 100.
Kailan nga ba natin iisipin ang Health Care?
Ngayon o pag Matanda na tayo at nagkakasakit na?
Importante po ang Health Care!
Para hindi ka nangangamba sa iyong kinabukasan. ‘Wag mo na sana itong ipagpabukas.
Get your KAISER Long Term Healthcare now.
3 in 1 ito. ✔️ May Life Insurance ✔️ HMO - o budget sakaling ikaw ay maospital at ✔️ Savings for your retirement.
Pwede mo rin maipamana ang KAISER, sakali kunin ka na ni Lord (wag naman po) At Kahit hindi ka pa fully paid, Automatic Magiging Fullypaid ito, makukuha ang lahat ng benepisyo at maipapamana ang HMO at Retirement Money sa iyong Primary Beneficiary.
Ganyan po kaganda ang KAISER 💙
Sabi nga ni Mega: “Wala sa Estado ng Buhay, lahat tayo Kailangan ng Magandang HealthCare.”
Remember:
Ang HEALTHCARE iniisip habang bata pa, malakas at kaya pa natin magtrabaho, hindi yung kung kailan tayo ay ONDERS na. (Matanda na).
Kung wala ka pang KAISER Health card, let's talk Kaibigan
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KAIBIGAN KUNG MAY SSS, PAG IBIG KA MAYROON DIN AKO. Pero kung wala pang LONG TERM HEALTHCARE AND RETIREMENT FUND …
Give time to read at dagdag kaalaman
Life is too short kaya act now before it’s too late .
Hindi natin dapat iasa ang kinabukasan sa SSS at PAG-IBIG lang.
Dapat may protection tayo.
Hindi yan gastos bagkus savings and investment.
Pagmamahal natin na hindi dapat natatapos kahit nawala tayo too soon.
Mahal ba natin ang ating pamilya?
Dapat tuloy ang buhay nila kahit namayapa na tayo.
Para sa akin yan ang tunay na pagmamahal!!!!!
# Get a Long Term health care 3 in 1 ( Healthcare beyond retirement) Insurance at investment
# Manila Bankers Life insurance na very affordable
Pag member ka ng IMG,easy muna lang maa-access ang mga ito.
Be frugal and prudent po tayo at huwag ibuhos sa mga wants na magiging financially tight later ang ganitong mindset.
Message me para ma guide Kita.
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1 MILLION Retirement Fund???
May tatlong options ka na pwedeng gawin...
1.) PUT YOUR MONEY IN SAVINGS ACCOUNT
Para ma-hit mo ang 1,000,000 pesos retirement fund after 20 years.
Eto ang computation:
20 years × 12 months = 240 months
So how much money do we need to save to hit that 1 million retirement fund?
1,000,000 pesos ÷ 240 months = 4,166.67 pesos
Ibig sabihin nito ay kailangan mag-save ng 4,166.67 pesos per month para ma-hit natin ang 1 Million sa loob ng 20 years.
Kaya ba? mukhang mahirap bukod sa matagal ay mabigat ang 4,166.67 a month.
2.) PUT YOUR MONEY IN MUTUAL FUNDS
Kung average 12% per annum in 20 years using the Wealth Calculator ang kailangan mo nalang isave ay 1,000 per month, ang lalabas na result ay 978,031.12.
That's almost 1 Million Retirement Fund. Ang question kaya ba mag-save nag 1,000 per month? Of course! Kayang kaya, pero ang next question ay kaya mo ba gawin yan consistent sa loob ng 20 years?
3.) PUT YOUR MONEY IN KAISER SAVING PLAN
Ang Kaiser ay Long-term Healthcare, db? YES! Tama ka jan... pero hindi lang Healthcare ang meron si Kaiser, meron yang Life Insurance at Investment Component. Yung Investment component niya ay precomputed.
Just by saving/investing of 5,882 per month sa loob ng 7 years, magkakaron ka ng 1,166,168 pesos na retirement fund pagdating ng 20th year (maturity).
**************************
Anong pipiliin mo para ma-achieve ang 1 Million Retirement Fund?
1. Saving 4,166.67 pesos per month for 20 years
2. Investing 1,000 pesos per month for 20 years
3. Investing 5,882 pesos per month for 7 years
Para matutunan ang 3 options na ito, pag - usapan natin.
WHEN YOU GET SICK..
Friends/Relatives: Get well soon.
Kaiser: I will take care of your medical bills.
WHEN YOU DIE TOO SOON...
Friends/Relatives: Condolence.
Kaiser/MB Life: I will take care of your family.
WHEN YOU LIVE TOO LONG...
Friends/Relatives: Kaya mo yan!
Kaiser/Mutual Funds: I will take care of you.
If you don't save for your medical bills, life insurance and investments today, do you think your friends and relatives will save you in the future? If your answer is YES, then, SANA ALL.
Your medical bills cannot be paid by "get well soon". Your family will not be taken care of by "condolences". The moral support from your friends/relatives will not give you a worry-free retirement.
Yes! Wishing you well is good, receiving condolences is relieving and moral support from friends/relatives is heart-warming, but you still need cash. And there is no way to guarantee that you'll get it from them. This is your life, your responsibility, take good care of it.from
Attend our free financial literacy class webinar via Zoom. Pm me for assistance.
Kung ang SSS ay iniinvest ang pera ng contributor sa Mutual Fund gaya ng Phil Equity, Soldivo upang ito ay lumago? Sa tingin nyo sinu ang kumita ng higit pa sa mga interes na nakukuha ng SSS sa mutual fund? Ang contributor ba na naghuhulog ng buwanang contribution o ang SSS na investors sa Mutual Fund?
Kung hindi mo kaya tapatan ang inilalatag na investment ng mayayaman , Aba eh , Pwede ka rin maging investor gaya ng mayayaman, sa halagang 1k ay maari ka ng makapag simula at isa kanang sharesholder ng mga malalaking kumpanya sa Pilipinas, imagine ka level mo nrin sila! Aralin mo lang ang financial literacy at iapply agad ang natutunan.
Kung gusto mo na ang pera na magtatrabaho para sa iyo abay usap tayo ituturo ko sayo kung paanu?
Become investors!
Be your own money manager!
Be financialy literate
Attend our free webinar via Zoom.Pm me for schedules.
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ano ba ang "PORT" or "PORTFOLIO"?
What Is a Portfolio?
A portfolio is a collection of financial investments like stocks, bonds, commodities, cash, and cash equivalents, including closed-end funds and exchange-traded funds (ETFs).
People generally believe that stocks, bonds, and cash comprise the core of a portfolio. Though this is often the case, it does not need to be the rule.
A portfolio may contain a wide range of assets including real estate, art, and private investments.
(c): Investopedia
Become an IMG member and automatically become a shareholder of these companies and let your money grow in your portfolio real time via IMG powerful online dashboard/portal and enjoy full access of training and session for the market updates with Philippine's biggest fund assets management via zoom meetings exclusively designed for all IMG members worldwide.
We help people achieved financial independence or become millionaires through the slow, steady, and sure path of financial education on investing and SIMPLIFICATION without compromising compliance and investor safety.
But for this to happen, the mindset must change. To know “HOW”
We are conducting a FREE Investment101 via ZOOM. - Be smart. Be wise. Be financially educated.
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IMG Webinar Registration Overall MO/FC
HOW IMPORTANT IS THE KAISER LONGTERM HEALTHCARE
✔Kapag hindi ka na employed, hindi ka magwoworry kung maospital ka.
✔Kapag hindi mo nagamit ang annual health care coverage mo hindi sya naeexpire unlike short-term health care. Marereceive mo ang guaranteed Long-term care bonus sa maturity
✔May kasama na syang insurance for income protection sa family just in case may nangyari sa policy holder
✔Nakainvest sa mutual fund ang health fund kaya nag-eearn sya ng 3%-10% at may variable earning pa depende sa performance ng stock market
✔Waived na ang payment kung may nangyari sa policy holder, mapapasa pa ang health coverage sa beneficiary
✔Good as cash sya pagdating ng maturity,
So pede ka magwithdraw gamit ang visa card. Hanggat may fund ang card, patuloy lang ang pag-earn ng interest
✔Covered ka ng health care benefits kahit beyond 60 ka na, as long as you live!
✔In case of emergency, pede magamit as family assistance
✔Pede ka magkaroon nito sa halagang P88 pesos a day . Sa Kaiser 3in1 na, my healthcare, insurance at investment ka PA.
Gusto mo bang mag-invest sa STOCK MARKET?
PERO:
1.) Wala kang time mag-monitor
2.) Wala kang time mag-aral ng kung paano
3.) Wala kang malaking kapital
Be a Shareholders or part owner ng malalaki ng companies Pilipinas or abroad like Apple, Facebook, Netflix, Starbucks and etc
Benefits of investing...
It is professionally managed by the NO. 1 fund manager in ASIA, East Spring Investment.
✅It is diversified.
✅It has a low minimum investment requirement.
✅It’s very transparent.
✅It has strong track records.
✅3 in 1 product (Savings, Investment and Health and protection plan)
Plus due to economic crisis happening right now, on sale lahat ng stock market. Best time to buy!
Take this opportunity to learn how.
Message for more details. 😊👍
𝑨𝒚𝒂𝒘 𝒎𝒐𝒏𝒈 𝒌𝒖𝒎𝒖𝒉𝒂 𝒏𝒈 𝑲𝑨𝑰𝑺𝑬𝑹 𝒌𝒂𝒔𝒊 𝒎𝒂𝒚 𝑺𝑺𝑺, 𝑷𝒉𝒊𝒍𝒉𝒆𝒂𝒍𝒕𝒉 𝒂𝒕 𝑺𝒂𝒗𝒊𝒏𝒈𝒔 𝒔𝒂 𝑩𝒂𝒏𝒈𝒌𝒐!
𝑨𝒏𝒐 𝒃𝒂 𝒎𝒆𝒓𝒐𝒏 𝒔𝒂 𝑲𝑨𝑰𝑺𝑬𝑹 𝒏𝒂 𝒅𝒂𝒑𝒂𝒕 𝒎𝒐𝒏𝒈 𝒑𝒂𝒈 𝒊𝒔𝒊𝒑𝒂𝒏?
𝑨𝑵𝑶 𝒂𝒏𝒈 𝒑𝒂𝒈𝒌𝒂𝒌𝒂-𝒊𝒃𝒂 𝒏𝒈 𝑩𝑬𝑵𝑬𝑷𝑰𝑺𝒀𝑶 𝑵𝑮 𝑲𝑨𝑰𝑺𝑬𝑹, 𝒔𝒂 𝒊𝒃𝒂𝒏𝒈 𝑯𝑴𝑶 𝒂𝒕 𝑷𝑯𝑰𝑳𝑯𝑬𝑨𝑳𝑻𝑯?
𝑹𝒆𝒂𝒅 𝒕𝒊𝒍𝒍 𝒕𝒉𝒆 𝑬𝒏𝒅 𝒕𝒐 𝒌𝒏𝒐𝒘 𝒃𝒆𝒕𝒕𝒆𝒓 😊
‼𝗥𝗲𝗴𝘂𝗹𝗮𝗿 𝗛𝗠𝗢
➳ 𝑻𝒂𝒐𝒏-𝒕𝒂𝒐𝒏 𝒌𝒂 𝒎𝒂𝒈 𝒃𝒂𝒃𝒂𝒚𝒂𝒅 𝒑𝒂𝒓𝒂 𝒊𝒌𝒂𝒘 𝒂𝒚 𝒄𝒐𝒗𝒆𝒓𝒆𝒅 𝒂𝒕 𝒕𝒖𝒎𝒂𝒕𝒂𝒂𝒔 𝒂𝒏𝒈 𝒃𝒊𝒏𝒂𝒃𝒂𝒚𝒂𝒓𝒂𝒏 𝒎𝒐 𝒌𝒂𝒔𝒊 𝒏𝒂𝒅𝒂𝒅𝒂𝒈𝒅𝒂𝒈𝒂𝒏 𝒂𝒏𝒈 𝒆𝒅𝒂𝒅 𝒎𝒐.
➳ 𝑯𝒊𝒏𝒅𝒊 𝒌𝒂𝒏𝒂 𝒎𝒂𝒌𝒂𝒌𝒂𝒂𝒗𝒂𝒊𝒍 𝒌𝒖𝒏𝒈 𝒎𝒂𝒚 𝒔𝒂𝒌𝒊𝒕 𝒌𝒂 𝒔𝒂 𝒑𝒂𝒏𝒂𝒉𝒐𝒏 𝒏𝒂 𝒊𝒌𝒂𝒘 𝒂𝒚 𝒏𝒂𝒈 𝒂𝒑𝒑𝒍𝒚, 𝒌𝒂𝒉𝒊𝒕 𝒓𝒆𝒈𝒖𝒍𝒂𝒓 𝒌𝒂𝒏𝒈 𝒄𝒍𝒊𝒆𝒏𝒕.
➳ 𝑵𝒐 𝒓𝒆𝒃𝒂𝒕𝒆 𝒑𝒂𝒈 𝒅𝒊 𝒎𝒐 𝒏𝒂𝒈𝒂𝒎𝒊𝒕 𝒅𝒂𝒉𝒊𝒍 𝒉𝒆𝒂𝒍𝒕𝒉𝒚 𝒌𝒂 𝒕𝒉𝒂𝒕 𝒚𝒆𝒂𝒓.
‼𝗣𝗵𝗶𝗹𝗛𝗲𝗮𝗹𝘁𝗵
➳ 𝑺𝒂 𝑷𝒉𝒊𝒍𝑯𝒆𝒂𝒍𝒕𝒉 𝒖𝒑 𝒕𝒐 60 𝒚𝒆𝒂𝒓𝒔 𝒐𝒍𝒅 𝒕𝒂𝒚𝒐 𝒎𝒂𝒈𝒓𝒊𝒓𝒆𝒏𝒆𝒘. 𝑯𝒊𝒏𝒅𝒊 𝒎𝒂𝒈𝒂𝒈𝒂𝒎𝒊𝒕 𝒌𝒖𝒏𝒈 𝒉𝒊𝒏𝒅𝒊 𝒅𝒊𝒏 𝒕𝒖𝒍𝒐𝒚-𝒕𝒖𝒍𝒐𝒚 𝒂𝒏𝒈 𝒑𝒂𝒈 𝒉𝒖𝒍𝒐𝒈.
➳ 15% 𝒕𝒐 20% 𝒍𝒂𝒏𝒈 𝒂𝒏𝒈 𝒅𝒊𝒔𝒄𝒐𝒖𝒏𝒕 𝒔𝒂 𝒉𝒐𝒔𝒑𝒊𝒕𝒂𝒍 𝒃𝒊𝒍𝒍𝒔 𝒎𝒐 𝒂𝒕 𝒉𝒊𝒏𝒅𝒊 𝒍𝒂𝒉𝒂𝒕 𝒏𝒈 𝒔𝒂𝒌𝒊𝒕 𝒂𝒚 𝒄𝒐𝒗𝒆𝒓𝒆𝒅.
➳ 𝑵𝒐 𝒂𝒔𝒔𝒊𝒔𝒕𝒂𝒏𝒄𝒆 𝒇𝒐𝒓 𝒃𝒆𝒏𝒆𝒇𝒊𝒄𝒊𝒂𝒓𝒊𝒆𝒔 𝒃𝒆𝒚𝒐𝒏𝒅 𝒕𝒉𝒆 𝒂𝒈𝒆 𝒐𝒇 19 𝒚.𝒐.
‼𝗞𝗮𝗶𝘀𝗲𝗿 𝟯 𝗶𝗻 𝟭
✅ 3𝒊𝒏1 𝒑𝒓𝒐𝒅𝒖𝒄𝒕. 𝑴𝒂𝒚 𝑯𝒐𝒔𝒑𝒊𝒕𝒂𝒍𝒊𝒛𝒂𝒕𝒊𝒐𝒏 𝑯𝒆𝒂𝒍𝒕𝒉𝑪𝒂𝒓𝒆 + 𝑰𝒏𝒄𝒐𝒎𝒆 𝑹𝒆𝒑𝒍𝒂𝒄𝒆𝒎𝒆𝒏𝒕 + 𝑰𝒏𝒗𝒆𝒔𝒕𝒎𝒆𝒏𝒕 𝒌𝒂 𝒏𝒂𝒏𝒈 𝒎𝒂𝒈𝒂𝒈𝒂𝒎𝒊𝒕. 𝑾𝒂𝒍𝒂 𝒌𝒂𝒏𝒈 𝒆𝒙𝒕𝒓𝒂𝒏𝒈 𝒃𝒂𝒃𝒂𝒚𝒂𝒓𝒂𝒏 𝒑𝒂𝒓𝒂 𝒆-𝒂𝒗𝒂𝒊𝒍 𝒊𝒔𝒂-𝒊𝒔𝒂. 𝑲𝒂𝒚𝒂 𝒎𝒂𝒚 𝒑𝒆𝒂𝒄𝒆 𝒐𝒇 𝒎𝒊𝒏𝒅 𝒌𝒂.
✅ 𝑽𝒆𝒓𝒚 𝑨𝒇𝒇𝒐𝒓𝒅𝒂𝒃𝒍𝒆. 7𝒚𝒆𝒂𝒓𝒔 𝒌𝒂 𝒍𝒂𝒏𝒈 𝒎𝒂𝒈-𝒊𝒊𝒑𝒐𝒏. 𝑴𝒂𝒃𝒖𝒉𝒂𝒚 𝒌𝒂 𝒎𝒂𝒏 𝒉𝒂𝒏𝒈𝒈𝒂𝒏𝒈 100 𝒚𝒆𝒂𝒓𝒔 𝒎𝒂𝒚 𝒉𝒆𝒂𝒍𝒕𝒉𝒄𝒂𝒓𝒆 𝒌𝒂 𝒑𝒂 𝒓𝒊𝒏.
✅𝑪𝒐𝒗𝒆𝒓𝒆𝒅 𝒍𝒂𝒉𝒂𝒕 𝒏𝒈 𝒔𝒂𝒌𝒊𝒕, 𝒆𝒗𝒆𝒏 𝒑𝒓𝒆-𝒆𝒙𝒊𝒔𝒕𝒊𝒏𝒈 𝒊𝒍𝒍𝒏𝒆𝒔𝒔𝒆𝒔 𝒂𝒇𝒕𝒆𝒓 𝒕𝒉𝒆 𝒂𝒄𝒄𝒖𝒎𝒖𝒍𝒂𝒕𝒊𝒐𝒏 𝒑𝒆𝒓𝒊𝒐𝒅.
✅𝑺𝒂𝒈𝒐𝒕 𝒏𝒂 𝒍𝒂𝒉𝒂𝒕 𝒂𝒏𝒈 𝒉𝒐𝒔𝒑𝒊𝒕𝒂𝒍 𝒃𝒊𝒍𝒍𝒔 𝒇𝒓𝒐𝒎 𝒓𝒐𝒐𝒎 𝒂𝒄𝒄𝒐𝒎𝒎𝒐𝒅𝒂𝒕𝒊𝒐𝒏 𝒌𝒂𝒉𝒊𝒕 𝒊𝒍𝒂𝒏𝒈 𝒃𝒖𝒘𝒂𝒏 𝒌𝒂𝒑𝒂. 𝑼𝒖𝒘𝒊 𝒌𝒂𝒏𝒈 𝒎𝒂𝒚 𝒏𝒈𝒊𝒕𝒊 𝒔𝒂 𝒍𝒂𝒃𝒊 𝒂𝒕 𝒘𝒂𝒍𝒂𝒏𝒈 𝒊𝒏𝒊𝒊𝒔𝒊𝒑 𝒏𝒂 𝒖𝒕𝒂𝒏𝒈.
✅𝑼𝒏𝒍𝒊𝒎𝒊𝒕𝒆𝒅 𝑭𝑹𝑬𝑬 𝑪𝒐𝒏𝒔𝒖𝒍𝒕𝒂𝒕𝒊𝒐𝒏 𝒎𝒐. 𝑲𝒂𝒉𝒊𝒕 𝒂𝒓𝒂𝒘 𝒂𝒓𝒂𝒘 𝒌𝒂 𝒎𝒂𝒈𝒑𝒂𝒄𝒉𝒆𝒄𝒌-𝒖𝒑 𝒂𝒕 𝒌𝒂𝒉𝒊𝒕 𝒊𝒃𝒂 𝒊𝒃𝒂 𝒔𝒂𝒌𝒊𝒕 𝒎𝒐 𝒃𝒂𝒘𝒂𝒕 𝒂𝒓𝒂𝒘.
✅𝑲𝒖𝒏𝒈 𝒎𝒂𝒈𝒌𝒂𝒏𝒐 𝒂𝒏𝒈 𝒂𝒎𝒐𝒖𝒏𝒕 𝒏𝒂 𝒃𝒊𝒏𝒂𝒃𝒂𝒚𝒂𝒓𝒂𝒏 𝒎𝒐 𝒑𝒂𝒈𝒌𝒂𝒔𝒊𝒈𝒏 𝒎𝒐 𝒌𝒂𝒚 𝑲𝒂𝒊𝒔𝒆𝒓, 𝒚𝒖𝒏 𝒍𝒂𝒏𝒈 𝒂𝒏𝒈 𝒃𝒂𝒃𝒂𝒚𝒂𝒓𝒂𝒏 𝒇𝒐𝒓 7𝒚𝒆𝒂𝒓𝒔. 𝑵𝒐 𝒂𝒅𝒅𝒊𝒕𝒊𝒐𝒏𝒂𝒍 𝒇𝒆𝒆𝒔 𝒏𝒆𝒆𝒅𝒆𝒅.
✅𝑰𝒕𝒐 𝒂𝒚 𝒎𝒂𝒚 𝑭𝒂𝒎𝒊𝒍𝒚 𝑨𝒔𝒔𝒊𝒔𝒕𝒂𝒏𝒄𝒆. 𝑴𝒂𝒂𝒂𝒓𝒊 𝒎𝒐𝒏𝒈 𝒊𝒑𝒂𝒈𝒂𝒎𝒊𝒕 𝒔𝒂 𝒊𝒎𝒎𝒆𝒅𝒊𝒂𝒕𝒆 𝒇𝒂𝒎𝒊𝒍𝒚 𝒎𝒐𝒏𝒈 𝒏𝒂𝒈𝒌𝒂𝒔𝒂𝒌𝒊𝒕.
✅𝑴𝒂𝒚 𝒔𝒕𝒐𝒄𝒌𝒎𝒂𝒓𝒌𝒆𝒕 𝒊𝒏𝒗𝒆𝒔𝒕𝒎𝒆𝒏𝒕 𝒏𝒂 6 𝒕𝒐 10% 𝒏𝒂 𝒑𝒘𝒆𝒅𝒆𝒏𝒈 𝒈𝒂𝒎𝒊𝒕𝒊𝒏 𝒐 𝒊𝒑𝒂𝒎𝒂𝒏𝒂 𝒔𝒂 𝒊𝒚𝒐𝒏𝒈 𝒑𝒓𝒊𝒏𝒄𝒊𝒑𝒂𝒍 𝒃𝒆𝒏𝒆𝒇𝒊𝒄𝒊𝒂𝒓𝒚 𝒑𝒂𝒈𝒅𝒂𝒕𝒊𝒏𝒈 𝒏𝒈 𝒎𝒂𝒕𝒖𝒓𝒊𝒕𝒚.
✅𝑲𝒖𝒏𝒈 𝒉𝒆𝒂𝒍𝒕𝒉𝒚 𝒌𝒂 𝒘𝒉𝒊𝒍𝒆 𝒑𝒂𝒚𝒊𝒏𝒈 𝒚𝒐𝒖𝒓 𝒑𝒐𝒍𝒊𝒄𝒚, 85% 𝑹𝑬𝑩𝑨𝑻𝑬 𝒂𝒏𝒈 𝒎𝒂𝒃𝒂𝒃𝒂𝒍𝒊𝒌 𝒔𝒂 𝒊𝒚𝒐 𝒏𝒂 𝒑𝒂𝒍𝒂𝒍𝒂𝒈𝒖𝒊𝒏 𝒌𝒂𝒔𝒂𝒃𝒂𝒚 𝒔𝒂 𝒔𝒕𝒐𝒄𝒌𝒎𝒂𝒓𝒌𝒆𝒕 𝒊𝒏𝒗𝒆𝒔𝒕𝒎𝒆𝒏𝒕 𝒎𝒐.
𝑺𝒐 𝒂𝒍𝒊𝒏 𝒏𝒈𝒂 𝒃𝒂 𝒂𝒏𝒈 𝒎𝒂𝒔 𝒎𝒂𝒈𝒂𝒏𝒅𝒂?
𝑺𝒉𝒐𝒓𝒕 𝑻𝒆𝒓𝒎 (𝑷𝑯𝑰𝑳𝑯𝑬𝑨𝑳𝑻𝑯), 𝑺𝑺𝑺, 𝑺𝑨𝑽𝑰𝑵𝑮 𝒔𝒂 𝑩𝑨𝑵𝑲 𝒐𝒓 𝑳𝒐𝒏𝒈-𝒕𝒆𝒓𝒎 𝑯𝒆𝒂𝒍𝒕𝒉𝒄𝒂𝒓𝒆 (𝑲𝑨𝑰𝑺𝑬𝑹 3𝒊𝒏1)?
𝑲𝒖𝒏𝒈 𝒂𝒌𝒐 𝒂𝒏𝒈 𝒕𝒂𝒕𝒂𝒏𝒖𝒏𝒈𝒊𝒏, 𝒅𝒂𝒑𝒂𝒕 𝒎𝒆𝒓𝒐𝒏 𝒌𝒂 𝒑𝒂𝒓𝒆𝒉𝒐.
Ctto
𝑱𝒖𝒔𝒕 𝑺𝑬𝑵𝑫 𝑴𝑬𝑺𝑺𝑨𝑮𝑬 𝒇𝒐𝒓 𝒎𝒐𝒓𝒆 𝒊𝒏𝒇𝒐𝒓𝒎𝒂𝒕𝒊𝒐𝒏...😍
IMG MEMBERSHIP BENEFITS
WHAT'S IN IT FOR YOU?
👉UNLIMITED FINANCIAL EDUCATION
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MEMBERS
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Ctto
Madalas sinasabi "Saka na ako aatend sa financial literacy seminar kapag may pera na ko na pang-ipon. " Kaso nga lang dahil di marunong magmanage ng pera, di talaga nakakaipon. 🤔
Dapat ngayon pa lang aralin na natin para matutunan natin pano ba i-manage ang pera at makaipon. Tutal libre lang naman ang seminar.
CTTO
IMG members alam nyo na gagawin, Sale na naman ang Stock Market at Mutual Funds.
Invest, Invest, Invest
Ang Barya mo ay puwede ng i-invest sa SOLVIDO MUTUAL FUND managed by RAMPVER FINANCIALS kapartner ni IMG (International Marketing Group) a brokerage company that cater all your financial needs.
Ang 20 pesos mo ay pwede mo ng i-ADD sa iyong MUTUAL FUND PORTFOLIO at eto ay maibibili ng shares from the BIG COMPANIES in the PHILIPPINES!
Be a Member of IMG for as low as P5,500 for local, for OFW's depends on the country where you are and get 62 Members benefits here https://242463ph.imgcorp.com/
𝙃𝘼𝙉𝙂𝙂𝘼𝙉𝙂 𝙆𝘼𝙄𝙇𝘼𝙉 𝙆𝘼 𝙋𝘼 𝙈𝘼𝙂𝙎𝙄𝙎𝙄𝙈𝙐𝙇𝘼𝙉𝙂 𝙈𝘼𝙂-𝙄𝙋𝙊𝙉 𝙋𝘼𝙍𝘼 𝙎𝘼 𝙋𝘼𝙈𝙄𝙇𝙔𝘼 𝙈𝙊 𝘼𝙏 𝙋𝘼𝙍𝘼 𝙎𝘼 𝙍𝙀𝙏𝙄𝙍𝙀𝙈𝙀𝙉𝙏 𝙈𝙊?
𝘔𝘢𝘨-𝘪𝘱𝘰𝘯 𝘭𝘢𝘯𝘨 𝘯𝘨 7 𝙮𝙚𝙖𝙧𝙨 𝘪𝘯 𝘰𝘯𝘦 𝘗𝘭𝘢𝘯. 𝘔𝘢𝘺 𝘏𝘦𝘢𝘭𝘵𝘩𝘤𝘢𝘳𝘦, 𝘓𝘪𝘧𝘦 𝘐𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘢𝘵 𝘐𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘬𝘢 𝘯𝘢. 𝘛𝘩𝘦 𝘉𝘌𝘚𝘛 𝘐𝘱𝘰𝘯 𝘯𝘢 𝘞𝘢𝘭𝘢𝘯𝘨 𝘛𝘢𝘱𝘰𝘯 𝘚𝘢𝘷𝘪𝘯𝘨𝘴 𝘗𝘳𝘰𝘨𝘳𝘢𝘮
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 the beneficiary if plan holder 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 the contract price
✔️- Accidental Death and Dismemberment for 20 years
✔️- Lifetime network access to over 500 major hospitals and a 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 long-term 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.
Kung tumaas ang presyo ng bilihin sa Pilipinas ng 6%, ALAM MO BA na umaabot ng 13% ang pagtaas din sa gastusing Medical? at sa buong ASIAN countries ang Pilipinas ang may highest Medical Inflation rate. No wonder bakit madami sa mga Pilipino ang bankrupt because of medical crisis. Its not too late to invest in our healthcare needs. Mahirap na in the future mga pinaghirapan natin ebebenta or isasangla lang dahil sa sakit.
Mahalaga ang kalusugan at dapat ito ay ating pinag iipunan at pinapalago..
Invest your healthcare di mo man magamit ito ngayun ay mahalagang mahalaga pag tayu ay matanda na.
Gusto mo din bang matuto kung paano maging Shareholder? Attend & Learn How to Invest Properly from our Free Financial Literacy Webinar. Just ask me for our free ZOOM webinar schedules...
https://242463ph.imgcorp.com/tp
https://242463ph.imgcorp.com
Sa panahon ngayon dapat wais tayo sa mga 𝑰𝒏𝒗𝒆𝒔𝒕𝒎𝒆𝒏𝒕𝒔 na kukunin natin. Yung makakatulong hindi lang sa panahon na ikaw ay bata at malakas pa, kundi magagamit din natin sa ating pagtanda.
Ito ang mga recommended na dapat meron tayo, pero may pagkakaiba sila. Isa isahin natin and take this as a guide.
𝑩𝑨𝑵𝑲 vs 𝑷𝑯𝑰𝑳𝑯𝑬𝑨𝑳𝑻𝑯 𝒗𝒔 𝑲𝑨𝑰𝑺𝑬𝑹 𝑳𝑶𝑵𝑮 𝑻𝑬𝑹𝑴 𝑪𝑨𝑹𝑬 (𝑯𝑴𝑶 + 𝐈𝐍𝐂𝐎𝐌𝐄 𝐑𝐄𝐏𝐋𝐀𝐂𝐄𝐌𝐄𝐍𝐓 + 𝐈𝐍𝐕𝐄𝐒𝐓𝐌𝐄𝐍𝐓)
Read till the End to know better 😊
‼𝗥𝗲𝗴𝘂𝗹𝗮𝗿 𝗛𝗠𝗢
➳ Taon-taon ka mag babayad para ikaw ay covered at tumataas ang binabayaran mo kasi nadadagdagan ang edad mo.
➳ Hindi kana makakaavail kung may sakit ka sa panahon na ikaw ay nag apply, kahit regular kang client.
➳ No rebate pag di mo nagamit dahil healthy ka that year.
‼𝗣𝗵𝗶𝗹𝗛𝗲𝗮𝗹𝘁𝗵
➳ Sa PhilHealth up to 60 years old tayo magrerenew. Hindi magagamit kung hindi din tuloy-tuloy ang pag hulog.
➳ 15% to 20% lang ang discount sa hospital bills mo at hindi lahat ng sakit ay covered.
➳ No assistance for beneficiaries beyond the age of 19 y.o.
𝐀𝐧𝐨 𝐛𝐚 ang 𝐦𝐞𝐫𝐨𝐧 𝐬𝐚 𝐊𝐀𝐈𝐒𝐄𝐑 𝐧𝐚 𝐝𝐚𝐩𝐚𝐭 𝐦𝐨𝐧𝐠 𝐩𝐚𝐠 𝐢𝐬𝐢𝐩𝐚𝐧?
‼ 𝐊𝐀𝐈𝐒𝐄𝐑 𝐇𝐄𝐀𝐋𝐓𝐇 𝐁𝐔𝐈𝐋𝐃𝐄𝐑 𝐏𝐋𝐀𝐍 (𝟑-𝐢𝐧-𝟏)
✅ 3 in 1 product na. May 𝐇𝐄𝐀𝐋𝐓𝐇𝐂𝐀𝐑𝐄 + 𝐈𝐍𝐂𝐎𝐌𝐄 𝐑𝐄𝐏𝐋𝐀𝐂𝐄𝐌𝐄𝐍𝐓 + 𝐈𝐍𝐕𝐄𝐒𝐓𝐌𝐄𝐍𝐓 ka nang magagamit. Wala kang extrang babayaran para e-avail isa isa. Kaya makakatipid at may peace of mind ka.
✅ Very Affordable. 7 years ka lang mag-iipon. Mabuhay ka man hanggang 100 years may healthcare ka pa rin.
✅ Covered lahat ng sakit, kahit pre-existing after the 𝐀𝐂𝐂𝐔𝐌𝐔𝐋𝐀𝐓𝐈𝐎𝐍 𝐏𝐄𝐑𝐈𝐎𝐃.
✅Sagot ang hospital bills- 𝑎𝑛𝑔 𝑙𝑖𝑚𝑖𝑡 𝑎𝑦 𝑑𝑒𝑝𝑒𝑛𝑑𝑒 𝑠𝑎 𝑝𝑙𝑎𝑛 𝑛𝑎 𝑘𝑖𝑛𝑢ℎ𝑎 𝑚𝑜, from room accommodation, doctors fee… 𝘜𝘶𝘸𝘪 𝘬𝘢𝘯𝘨 𝘮𝘢𝘺 𝘯𝘨𝘪𝘵𝘪 𝘴𝘢 𝘭𝘢𝘣𝘪 𝘢𝘵 𝘸𝘢𝘭𝘢𝘯𝘨 𝘪𝘯𝘪𝘪𝘴𝘪𝘱 𝘯𝘢 𝘶𝘵𝘢𝘯𝘨.
✅ 𝘜𝘯𝘭𝘪𝘮𝘪𝘵𝘦𝘥 𝘍𝘙𝘌𝘌 𝘊𝘰𝘯𝘴𝘶𝘭𝘵𝘢𝘵𝘪𝘰𝘯 𝘮𝘰. Kahit araw araw ka magpacheck𝘒𝘢𝘩𝘪𝘵 𝘢𝘳𝘢𝘸 𝘢𝘳𝘢𝘸 𝘬𝘢 𝘮𝘢𝘨𝘱𝘢𝘤𝘩𝘦𝘤𝘬-𝘶𝘱 𝘢𝘵 𝘬𝘢𝘩𝘪𝘵 𝘪𝘣𝘢 𝘪𝘣𝘢 𝘴𝘢𝘬𝘪𝘵 𝘮𝘰 𝘣𝘢𝘸𝘢𝘵 𝘢𝘳𝘢𝘸 (𝐁𝐄 𝐀𝐍 𝐈𝐌𝐆 𝐌𝐄𝐌𝐁𝐄𝐑).
✅ 𝘒𝘶𝘯𝘨 𝘮𝘢𝘨𝘬𝘢𝘯𝘰 𝘢𝘯𝘨 𝘢𝘮𝘰𝘶𝘯𝘵 𝘯𝘢 𝘣𝘪𝘯𝘢𝘣𝘢𝘺𝘢𝘳𝘢𝘯 𝘮𝘰 𝘱𝘢𝘨𝘬𝘢𝘴𝘪𝘨𝘯 𝘮𝘰 𝘬𝘢𝘺 𝘒𝘢𝘪𝘴𝘦𝘳, 𝘺𝘶𝘯 𝘭𝘢𝘯𝘨 𝘥𝘪𝘯 𝘢𝘯𝘨 𝘣𝘢𝘣𝘢𝘺𝘢𝘳𝘢𝘯 𝘧𝘰𝘳 7𝘺𝘦𝘢𝘳𝘴. 𝐍𝐎 𝐀𝐃𝐃𝐈𝐓𝐈𝐎𝐍𝐀𝐋 𝐅𝐄𝐄𝐒 𝐍𝐄𝐄𝐃𝐄𝐃.
✅ 𝘍𝘢𝘮𝘪𝘭𝘺 𝘈𝘴𝘴𝘪𝘴𝘵𝘢𝘯𝘤𝘦. 𝘔𝘢𝘢𝘢𝘳𝘪 𝘮𝘰𝘯𝘨 𝘪𝘱𝘢𝘨𝘢𝘮𝘪𝘵 𝘴𝘢 𝘪𝘮𝘮𝘦𝘥𝘪𝘢𝘵𝘦 𝘧𝘢𝘮𝘪𝘭𝘺 𝘮𝘰𝘯𝘨 𝘯𝘢𝘨𝘬𝘢𝘴𝘢𝘬𝘪𝘵 (𝑠𝑢𝑏𝑗𝑒𝑐𝑡 𝑓𝑜𝑟 𝑎𝑝𝑝𝑟𝑜𝑣𝑎𝑙).
✅ 𝘔𝘢𝘺 𝐒𝐓𝐎𝐂𝐊𝐌𝐀𝐑𝐊𝐄𝐓 🅸🅽🆅🅴🆂🆃🅼🅴🅽🆃 𝘯𝘢 6 𝘵𝘰 10% 𝘯𝘢 𝘱𝘸𝘦𝘥𝘦𝘯𝘨 𝘨𝘢𝘮𝘪𝘵𝘪𝘯 𝘰 𝘪𝘱𝘢𝘮𝘢𝘯𝘢 𝘴𝘢 𝘪𝘺𝘰𝘯𝘨 𝘱𝘳𝘪𝘯𝘤𝘪𝘱𝘢𝘭 𝘣𝘦𝘯𝘦𝘧𝘪𝘤𝘪𝘢𝘳𝘺 𝘱𝘢𝘨𝘥𝘢𝘵𝘪𝘯𝘨 𝘯𝘨 𝘮𝘢𝘵𝘶𝘳𝘪𝘵𝘺.
✅ 𝘒𝘶𝘯𝘨 𝘩𝘦𝘢𝘭𝘵𝘩𝘺 𝘬𝘢 𝘸𝘩𝘪𝘭𝘦 𝘱𝘢𝘺𝘪𝘯𝘨 𝘺𝘰𝘶𝘳 𝘱𝘰𝘭𝘪𝘤𝘺, 𝟖𝟓% 🅲🅰🆂🅷 🆁🅴🅱🅰🆃🅴 𝘢𝘯𝘨 𝘮𝘢𝘣𝘢𝘣𝘢𝘭𝘪𝘬 𝘴𝘢 𝘪𝘺𝘰 𝘯𝘢 𝘱𝘢𝘭𝘢𝘭𝘢𝘨𝘶𝘪𝘯 𝘬𝘢𝘴𝘢𝘣𝘢𝘺 𝘯𝘨 𝐒𝐓𝐎𝐂𝐊𝐌𝐀𝐑𝐊𝐄𝐓 🅸🅽🆅🅴🆂🆃🅼🅴🅽🆃 𝘮𝘰.
So alin nga ba ang mas maganda?
Kung ako ang tatanungin, dapat meron ka pareho. Pero malaki po ang pagkaka iba nila. 𝐈𝐧𝐯𝐞𝐬𝐭 𝐰𝐢𝐬𝐞𝐥𝐲.
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