How to be Debt free & happy retirement

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You don't have to worry of money in your retirement stage,,,,,
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How????
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Thank you IMG. Thank you Lord. 🙏😇❤



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📸PICTURE THIS

You are now RETIRED FROM your JOB for how many years.
You do not worry because you have PASSIVE INCOME to take care of your expenses
You TRAVEL around the world with NO CONCERN HOW TO PAY IT.
You DONATE to your chosen CHARITY yearly to help others
PLUS

You are confident that if you get HOSPITALIZED, YOU ARE SECURED that YOU CAN PAY for it..

🤔🤔🤔🤔

Sounds great, right?! Is it possible?!
📣📣GREAT NEWS!
IT IS POSSIBLE!!📣📣

All you have to do is plan ahead.

😇😇 LET ME HELP YOU WITH THAT 😇😇

Inviting you to an APPRECIATION NIGHT for the ULTIMATE KAISER HEALTH BUILDER...

Erase the doubt, curiousity and misunderstandings...

DISCOVER IT FIRST HAND!!

📅 SEPTEMBER 22, 2020
⌚️ 8:30PM

📩 You may PM for details..
or CLICK THE LINK FOR THE LIVE WEBINAR
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Here are five tips to help you build your emergency fund:

1) Use it only for emergencies

An emergency fund is to be used only for emergencies. Your prized running shoes breaking is not an emergency—unless you are a professional or varsity athlete. An emergency fund is to cover unforeseen expenses, such as medical bills or car repair. To keep building your emergency fund, do not dip into it. Once you put money into your e-fund, treat it as a ‘forgotten fund’ until the need arises.

2) Take baby steps

Start small until you acquire the habit. As with crash diets, where withdrawals are highly likely, you ease yourself into a new routine (in this case, saving) if you start small. Forcing yourself to save 50 percent of your income may ruin your mood and turn you into a Grinch because it feels like a burden rather than blessing; however, if you start small and save 5 percent of your income, it doesn’t create that big of an impact on your expenses (and life in general), and as you end up saving more through the months, you’ll get used to the habit and will be ready to increase the amount you save.

3) Save first, spend later

“Do not save what is left after spending. Spend what is left after saving.” It’s one of the most notable quotes on personal finance, said by none other than legendary investor Warren Buffett. If you spend first then save second, you cannot maximize your monthly earnings because more will be going to your expenses rather than savings. By saving first and spending later, chances are you’ll hit your monthly savings target.

4) Automate your accounts

In relation to the point above, automating your accounts curbs your self-control. You cannot spend money you do not have, and this is a mind trick you can use if you have your bank automatically transfer money from your payroll account to your savings account every payday. Short-term investments, such as money-market mutual funds or UITFs, are more liquid and have no minimum holding period. This means you can store your emergency fund in these short-term investments, and have your bank automatically transfer money from your payroll account to your investment account through their Regular Subscription Plan (BPI) or Easy Investment Plan (BDO).

5) Increase your income

The fastest way to save more is to earn more. This may require more time and effort but there really is no substitute for hard work. If you’re an employee, you can perform exceptionally well to keep you in the running for promotion or pay raise. If you have a wide network, you can tap your friends and family and earn on the side through freelancing. Use your strength to increase your income. If your photos on your Instagram and Facebook are getting praises, that may mean you have a knack for photography. You can use this skill to cover events such as parties and weddings for a price. This way, you generate income on the side doing what you enjoy and are able to save more for your emergency fund.

To all those planning to or are currently building their emergency funds, the five steps above will get you into the habit of saving, and as a result, enable you to build your emergency funds. Once you have six months’ worth of living expenses covered, you can still use the tips above to cover other aspects of your personal finances, such as growing your investment, paying down debt, or saving for a big-ticket items.

“A prudent person foresees danger and takes precautions.....

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 taking a vacation for a month with no salary?

Let us not depend on our Company's retirement benefit. What if you lose your job or your company go bankrupt?

Let me help you!

Dont wish life is easy, wish to become more skillful and work to become better.
# changing game of mindset, its up to you!
We offer Free Financial Education!
How?
Pm or message me now.

One financial mentor said: " It is difficult to build wealth OUTSIDE the financial industry."

It is where financial products are made and we need to have them because they are the only realistic vehicles to achieve our goals like savings, protection, growing money for retirement and kids's education, etc.

Through IMG's membership platform, you can GET INTO THE FINANCIAL INDUSTRY and have access to all our partner providers.

Be an IMG member now plus enjoy many amazing benefits!
👉http://bit.ly/MembershipBenefitsIMG

🙋‍♂️KABAYAN🙋‍♂️👋👋

Sa pagplano ng pagkakaroon ng matatag na pundasyon ng pananalapi. Bakit nga ba dapat unahin ang Healthcare bago ang investment gaya ng mutual fund (MP2) o stock market.

What if.... we die to soon?
Solution: Life Insurance

What if... we live too long?
Solution: Investment & Long-term Healthcare

What if... there is emergency?
Solution: Emergency Fund

Healthcare - we can use this now and even until you reach 100 years of age. When we get sick, our savings won't last very long. That can greatly affect our financial stability in the event of a serious health problem. Getting healthcare and life insurance are the best investments.

Income Protection/Life Insurance - to protect our family if we die too soon - life insurance can help us replace our income, help finance our children's education, pay estate tax, pay debts, etc.instantly (life insurance is an instant money)

Investment - Kaiser is an HMO with Health Savings Account. All unused health fund accumulates with interest. Plus, if no claim was made during the accumulation period, 85% of paid premiums will be given back at the end of 20th year, making it COST FREE. You may also use this as emergency fund if there would be any unexpected.




Message me now if interested

Mahalaga ang oras sa pagpapalago ng pera. Huwag na nating hintayin pa na kung kelan malapit na tayong tumanda at hindi na kayang magtrabaho ay saka pa tayo mag-uumpisa sa pag-iipon.

Mag-invest na habang tayo ay bata pa.

Kung handa na kayong mag-umpisa sa paghahanda sa inyong kinabukasan, drop your message below. 👇👇👇

Who here will NOT get sick? Are you?
If you think you're going to get sick, what's your plan? Who do you want to pay for your Hospital Bill?
A. Ikaw?
B. Your family?
C. Healthcare Company?
If you and your family will pay? What do you want? Love or Discounted?
That's the importance of healthcare. For the little you paid, when you get sick you can use something more than you dropped.
But wait, do you think when are you more possible to get sick? now that you're young or when you grow old?
Right when old.
So when do you have Healthcare?
A. Now that you're a kid?
B. When you grow old?
What is good for Long term Healthcare. When you get sick when you're young, you can use something. But if you don't get sick, the money you paid will be saved so that when you are old, you will still have treatment.
If you think you need what I'm saying, I'll explain it to you fully just send us a message!

Want to be Financially Educated,& Debts free, including Understanding LONG TERM Investments & Health Care!
Let us attend the Free Financial Education tonight,
Please PM if interested for slot reservation!
Hurry it is a 1st come 1st serve basis,,🤣

"TAKE ACTION TODAY!

✅Kahit ano pang EXCUSES mo para hindi mag-invest ngayon, one thing is for sure, lalaki ang mga anak mo at kailangan nila ng pang tuition sa pag-aaral nila sa Highschool at College.

✅Kahit ano pang EXCUSES mo para hindi mag-invest ngayon, one thing is for sure, tatanda ka sa susunod na mga taon at darating yung panahon na hindi mo na kayang magtrabaho. Paghandaan mo ang iyong retirement at healthcare funds.

Mag-build kana nang iyong solid financial foundation, start it from ground to up. Save LONG TERM CARE through KAISER first. Follow the proper blocks in building your wealth.




Interested How,please PM me

07.24.2020

Biggest Daily Meeting of 1,000 IMG Leaders Worldwide:

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No space for boredom and depression. Covid is a blessing to us, IMG members. We have all the time to learn, grow our income and grow ourselves in all aspects of our lives.

Wish you are here... Join our community...
👉160548ph.imgcorp.com

Are you making the same mistakes too?

Do you want to correct the wrong things?
The first thing you do is increase your Financial Knowledge.
Everyday we have a schedule of Financial Education classes. You can attend and it's for free. Nothing to lose from you, you still learn something.

Just message me for the schedule and access.




- ctto

Why do we need Long Term Health Care nga uli?

❑**Medical costs doubles every 5-7 years.**

❑**A lot of sick people die not because there is no medicine but because of no money.**

❑**A majority of Filipinos don’t save money for future healthcare needs.**

❑**You cannot bring with you the healthcare benefits provided by your company when you retire or resign.**

❑**No traditional healthcare company covers ages 61 and up.**

❑**Most people rely on their children, or sell properties, or borrow money for their medical needs during retirement.**

❑**Majority of Personal Bankruptcy is due to Medical Crisis.**

"Kaiser Ultimate is one of the best financial solutions I have ever seen. It is something we get when young and healthy, because we know we'll need it someday when we become old and sickly. It is also a good building block for building our future as our first investment with health and life protection.

**Imagine, if you're 25 years old today, kumuha ka ng Kaiser. Sa minimum P2,647 per month na installment for 7 years lang na babayaran, at maturity meron kang P525K. At age 60, ito ay magiging P2.1M. At age 65, ito ay P3.5Million. Ilan kaya sa senior citizen of today ang merong P2.1Million? At mas maganda, kung kaya din lang kumuha ng higher plan, yan na ang kuhanin. **

**Ultimate Kaiser is the only viable long term health care plan in the Philippines today. And you can get this through IMG members only.**

For inquiries and membership assistance, pm niyo lng po.

Why do we need Long Term Health Care nga uli?

❑**Medical costs doubles every 5-7 years.**

❑**A lot of sick people die not because there is no medicine but because of no money.**

❑**A majority of Filipinos don’t save money for future healthcare needs.**

❑**You cannot bring with you the healthcare benefits provided by your company when you retire or resign.**

❑**No traditional healthcare company covers ages 61 and up.**

❑**Most people rely on their children, or sell properties, or borrow money for their medical needs during retirement.**

❑**Majority of Personal Bankruptcy is due to Medical Crisis.**

"Kaiser Ultimate is one of the best financial solutions I have ever seen. It is something we get when young and healthy, because we know we'll need it someday when we become old and sickly. It is also a good building block for building our future as our first investment with health and life protection.

**Imagine, if you're 25 years old today, kumuha ka ng Kaiser. Sa minimum P2,647 per month na installment for 7 years lang na babayaran, at maturity meron kang P525K. At age 60, ito ay magiging P2.1M. At age 65, ito ay P3.5Million. Ilan kaya sa senior citizen of today ang merong P2.1Million? At mas maganda, kung kaya din lang kumuha ng higher plan, yan na ang kuhanin. **

**Ultimate Kaiser is the only viable long term health care plan in the Philippines today. And you can get this through IMG members only.**

For inquiries and membership assistance, pm niyo lng po.

on

Dahil sa quarantine karamihan sa atin lumaki ang spare time. Ikaw, saan mo ginagamit ang spare time mo? Busy ka ba or BC ka ba?
A. Make more money
B. Waste money
C. Waste time
Again, BC ka ba? Let us help you use your spare time to earn. Attend our free webinars. You can earn while you learn.

IMG. We educate. We care.

Four reasons why planning for Retirement is very important.

1. SSS and Philhealth retirement program are not enough - those will not sustain your medical bills and you will need to downgrade your lifestyle if you will depend on your SSS pension alone.

2. Inflation - your P100 now will have a 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 dependency. Let us not be a burden to our kids in the future.

4. We live longer - imagine retiring at the age of 65 with NO INCOME, then living until the age of 80, that's 15years worth of expenses. 65 years old is too far to imagine, right? How about taking a vacation for a year with no salary?
_____________

In essence, we all need to prepare for our future. It's important to enjoy the present but it's equally important to save and invest for our future too. It starts with Financial Education.

👉If you're interested to learn you may attend our Free Saving and Building your Future.
PM me if you are welling to attend,i will furnish you copy of our schedule

Ang Trabaho Hindi Lifetime pro Ang Gastusin Lifetime maganda Kong nagpaplano Tau pra sa ating pagtanda
▶Madaming paraan pra gawin mo ito at isa na dito ang pagkuha ng Long Term Healthcare ng KAISER Healhtcare HMO 3in1

Bakit 3-1?
Kasi me HEALTHCARE na cya na mggmit mo kung magkakasakit ka kya protektado ka hanggang sa tumanda ka 💪 + LIFE INSURANCE na magiging proteksyon ng pamilya mo sakaling me mangyari sau 👪 + INVESTMENT na magagamit mo sa retirement age mo na tumutubo ng 10% per Annum👴👵

👉 7 years to pay 13 years of waiting = 20 years maturity period

👉Mode of Payment:
1. MONTHLY ( buwanan )
2. QUARTERLY ( tuwing 3 buwan )
3. SEMI ANNUAL ( tuwing 6 buwan )
4. ANNUAL ( tuwing 1 taon )

👉 FREE Annual Physical Examination,
habang nagbabayad ka pa lng ( within 7 years paying period )

👉 FREE Annual Dental Check Up (wihin 7 yrs paying period.

👉 50k maximum hospitalization yearly, (within 7 years paying period.

👉202,000 Terms Insurance , depende sa Plan n kinuha mo

Dont wish life is easy, wish to become more skillful and work to become better.
# changing game of mindset, its up to you!
Interested yo join!
PM me now

Gusto mo bang maging investor ng Jollibee,,let,s join IMG(International Marketing Group).
It,s easy contact me!

Death Claim of Kaiser Long Term Care 👇

The plan holder opened his account just this endJanuary (Lowest Plan) then his account was approved 3 weeks after (February) and days after he died due to accident. So his beneficiary receives a double amount of the life insurance (see 👇) and the plan was being transferred to his first beneficiary FULLY PAID.

Mao ni nakanindot sa Kaiser Long Term Healthcare. If masakit naay healthcare fund , if kuhaon ug sayo ni Lord naay instant money sa family and pede pud pang retirement coz investment man cya. Yes Wala ta nangandoy mahitabo or mautilize dayun but at least naay money nabilin sa family instead of utang. 🤔

Maong sa katong nagduda pa, daghan excuse why can't save, think again.🤔 We are talking here about sa future. You didn't plant seeds para harvest - son pud nimu karon. 😊

Get yours now and thank me later. 😉 Just let me know!. :)

*Post last year 2019,!

Do you want to know more about IMG

For more than 1,000 people gathered together for a common cause everyday, that unification creates power, strength, beliefs and great love to contribute a new life for future generation.

You too can be a part of this movement. Be one with us,, everyone is welcome.
IMG is committed to deliver the efforts for a better tomorrow. Happy to serve.

Months spent in quarantine
and we all continue to adapt.

How about our needs?
for TODAY...
and for the FUTURE?

How do we adapt?

It’s less about who we are
and more about what the situation is.

Na-realize nating lahat,
Mahalaga pala ang may ipon.

And to cover TODAY's & FUTURE's needs,
Mas maganda kung ang ipon
Ay may COMPOUNDING INTEREST.

Ilalagay mo ba ang IPON mo
Sa ilalim ng unan?
Sa piggy bank?
Sa bangko?
???

Anu-ano kaya ang may COMPOUNDING INTEREST?

Gusto mo bang malaman?
Pm me for details
Join our online free Financial Education,,
PM me if interested,I will furnished you d schefules,,,

Attention my friends,We offer "free" Financial Literacy Class!
Find & save money
Protect & preserved your money
Make money work for you!!
How????
Message me now!