Maricel Mena Financial Coach

EDUCATIONAL FUNDS for your kids?? I got you ☺️

Save up for your child's college tuition today as a Mutual Fund/Stock Market Investor.

You will have your own login to your online portal wherein you can top up your savings anytime for as low as P20.

You can also create multiple sub-accounts if you have more than one child.

Payment methods through over the counter bank deposits, online bank transfers and remittances, Palawan express bills payment facility, BDO Bills Payment.

Message me for details 😉

1998 was the birth of IMG in the Philippines and was registered in the SEC in 2002.

🧐Who really is IMG?
Historically, IMG system starts in America and Canada way back 1977. It is aligned with a world financial organization called World Financial Group (WFG).

😍Since 1977, it adopted a system called "System Builder" - a book which contains a proven system used not only by the WFG and IMG community but also of other leading financial institutions in the world!

✍️IMG is not an investment company. You don't invest in IMG. It is focused on Financial Literacy.

💚• It's a brokerage organization of leading companies in the Financial Industry.

💚• A school for Financial Literacy -- under a life-long learning program with free financial coaching for life.

💚• A global community of Savers, Investors, Entrepreneurs, Financial Educators and Campaigners.

💚It offers Total Financial Solution. Meaning you learn from them not only on investing and saving but in all other aspects of personal and family financial management including financial planning.

✅As a school for Financial Literacy. You are encouraged to learn first before saving and investing. And because financial and investment companies are aligned with them, you can already practice what you have learned as a One-Stop-Shop in the Financial Industry.

One great thing about IMG when you invest is -- that you are developed to become your own money manager.

👍In other words, you are given direct access to the companies aligned with them without passing through a broker or an agent -- thereby maximizing the use of your money when saving and investing.

🤝Through IMG also, you have the right to participate in its business as Associate Broker (optional) and it's assisted in building your own organization in the Financial Industry.

🎉Be a part of millions of Filipinos na binago ang buhay sa pamamagitan ng tamang pag iipon at pag iinvest. Alamin at idiscover ang mga financial opportunities at investments that will be tailor-made for our needs today & the future - join the mission/advocacy to fight against poverty!

🙏Everyone deserves to be educated. We want to make sure that NO FAMILY LEFT BEHIND when it comes to saving their future through financial education. - EXPERIENCE a much Better Life with IMG!

Join Us NOW!

Invest as early as you can!

But make sure, put it in LEGAL investment

"Paano ko malalaman kung achievable ba yung GOAL ko?" Gusto ko magkaroon ng education fund para sa baby ko? I want to hit my 1st Million."

You can make your 1 year old child a millionaire by age 21 just by saving & investing P1,000 a month or P33 per day.

Open a mutual fund account (equity fund) and Invest P1,000/monthly for the next 20 years at 12% average rate of return & your baby will have P1 million at age 21.

Mutual funds is one of the safest investments over longterm. Thru IMG you will have direct access to many funds which is good for diversification.

Educate yourself first. Numbers don’t lie. Don’t delay

Wag mahiya magtanong, message us.

Gusto mo bang magkaroon ng FREE Personal Accident Insurance 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://309857ph.30m2030.com/home/30M2030/optin.php

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.

Ganon lang kadali kaya avail na! Limited offer lang ito.

PM is the key limited offer for the month of May 2021




📷Ctto

DATI
Pag may P1,000 tayo,
parang ang yaman na natin,
ang dami na natin pwedeng bilhin.

NGAYON
Pag meron kang isang libo,
hindi na umaabot sa isang linggo,
ilang araw pa lang, ubos na agad.

If you SAVE your money
in "alkansya" or in a bank,
Did you really SAVE?

You are actually losing money
because of INFLATION.

Pag merong INFLATION -
bumababa ang value ng pera
habang tumataas naman
ang presyo ng mga bilihin.

Here's the GOOD NEWS!
There's a way to BEAT INFLATION! 😀

HOW?

INVEST!

There are many avenue where we can grow our money: stocks, businesses, mutual funds, etc.

If you want to know
how to grow your money
through the different INVESTMENTS VEHICLES like MUTUAL FUND, STOCK MARKET and more attend our FREE FINANCIAL LITERACY SEMINARS ONLINE thru ZOOM MEETING

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Ngayon ECQ nanaman marami sa atin ang hindi handa. Paulit ulit na sinasabi paano na Kaya marami kang ma realize sa buhay. Wala itong pagkaka iba sa sitwasyon na:

1. Bigla kang tinanggal sa trabaho, no work no pay
2. Retired kana, no work no pay.
3. Bigla kang nagkasakit. No work, no pay
4. Biglang nagsara ang kompanyang tinatrabahuan mo. No work, no pay

Tapos di ka handa,

- Wala kang ipon.
- May pinagpapaaral kapa.
- May kapamilya kang kelangan ng medical attention.
- May mga utang na kelangan bayaran.
- May Pamilyang umaasa sayo.
- May pinapakain, ginagatas at dina diaper.
- May buwanang bayarin (tubig, kuryente, etc.)

At walang sustento na inaaaahan sa gobyerno. Dito mo ma realize na sana may Fallback ka,

- emergency fund
- savings
- Business
- investment
- passive income
- pensions
- profit share
- dividends

Na kahit wala ang active income mo ay mabububay ka padin at di ma apektuhan ang lifestyle mo at ng pamilya mo.

It's time to be more open in other opportunities. Basta makakatulong sayo at pwedeng magbigay kahit barya-baryang kita sayo.

Ngayon nakita natin at na realize na ang hirap pala kapag umaasa ka lang sa single source of income lang.

- Hindi pala pwedeng umasa kalang sa lakas mo.
- Hindi rin pala assurance na lifetime na ang trabaho at pinagkakakitaan mo ngayon.
-Hindi mo rin pala pwede asahan sa lahat ng pagkakataon ang mga kapamilya, kaibigan, at kakilala mo.
-Hindi rin assurance na may tulong na darating sayo galing sa gobyerno.

Ctto: Charmaine Asuncion

Tara mag attend ka ng FREE Financial Literacy Class....

Kung sa bangko ka mag-invest, ang tawag sayo DEPOSITOR.
Kung sa Mutual Funds, SHAREHOLDER ka.

Parehong nag-iinvest ang bangko at mutual fund companies duon sa Government Securities, Commercial Papers, Stocks and Equities at posible na makakuha ng income na 12% sa investment.

Sa 12% na returns sa bangko, 0.5% lang nian ang ibibigay nila sa atin. Pero sa mutual funds, makukuha mo ang 12% na returns.

ANG TANONG: Saan mas maganda mag-invest?

Learn more about investing and basics of Financial Literacy. Message me now!!!

*ctto

GET YOUR MONEY WORK FOR YOU!
Alam mo ba sa P1,000 mo pwede ka na maging Shareholder ni Jollibee at iba pang malalaking Company thru MUTUAL FUND!
Ang galing di ba?! Dati you'll need P100,000 para makapag-invest sa malalaking companies. Ginawang P5,000. Ngayon P1,000 na lang!
Build your College Education Fund, Dream House Fund, Retirement Fund at iba pang financial goals thru this investment.
Financial literacy is the key! Aral muna bago mag invest ma'am/sir. Ctto
Grab this opportunity to be one of the investor.
Start investing NOW!
To know more about Investment just click this link 👇👇👇
m.me/MaricelMenaFinancialCoach
✔️ BONUS: ebook and video tutorial will be given to you upon clicking the link

Don't just Save, Invest! ... Bakit?
Pag save lang, ang P1,000 per month, after 25 years ay magiging:
at 0% annual interest - P300,000
at 0.2% annual interest - P307,652
Pero pag in-invest, after 25 years, ito ay magiging:
at 4% annual interest - P515,843
at 12% annual interest - P1,897,635
at 18% annual interest - P5,823,312
So kung plano mong mag-save ng P1,000 per month, saan mo sya ilalagay?
Financial Education is the KEY. Kaya pag-aralan how to grow your money slowly but safely, Sa pamamagitan ng Power of Compounding Interest! 📊📈📈
Attend our FREE FINANCIAL Class.
For more details and info about the upcoming webinar, kindly send me a message.
Plus enjoy the 48 Benefits! 🏡👪
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STEPS TO FINANCIAL SUCCESS THIS YEAR 2021.

1. Increase your Cash flow.
- make more money when you can, while you can. Have multiple sources of Income.

2. Spend Less.
- cut down your expenses. It's not how much you earn that counts. It's what you keep. Set aside 5, 10, 15% of your income to savings or invest.

3. Reduce your debt and liabilities.
- interest on the debt will interfere with your goal for long-term asset accumulation.

4. Understanding how money works.
- you must take time to understand how money works. You must learn how to make money work for you.

5. Have a Financial Goal.
- Set up a pan of action. Take care of your responsibilities and build up your wealth.

6. Embrace change and expect to succeed.
- change your habits. Not only can you change the way you think, you must also change your habits. A better environment will help provide better thinking and better solutions.

INTERESTING?

Attend our FREE Financial Coaching Class and learn how to:
*Make Money
*Save Money
*Grow Money
*Protect Money

Message ka lang para maregister kita.




Let's be the channel of blessing to others.
Ctto

Dati ang 2pesos ay papel pa
Dati ang 5pesos ay papel pa
Dati ang 10pesos ay papel pa
Ngayon ang 20pesos na papel noon barya na rin ngayon.
Inflation🤔. Huwag po kayong magdiwang dahil bilog na rin ang bente. Dahil tumaas na ang sahod.
Aren't you afraid? 5-10yrs from now baka ang 100 pesos, coins na lang. Yung value ng pera pababa ng pababa. Ang gastusin pataas ng pataas. Tumaas man ang sahod mo next year wag ka mag diwang dahil kung iisipin mo breakeven lang or worst reality luge kapa nga.
Kaya this is the right time to do more in your 2021 ! Because you deserve more, I know you know that, but you don’t know what you deserve!
Start this year by investing your future what you're working hard today!
Invest it wisely.
Start business now. And attend our financial literacy class.
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Click this link to know more 👇👇👇
m.me/MaricelMenaFinancialCoach

Hindi natin napapahalagahan ang salitang ipon once na active pa tayong nagtatrabaho.Sa isip natin may income pa nman.Enjoy lang muna.Reward muna ang sarili. Na disregard na natin ang scenario na paano na kung wala na tayong lakas para magtrabaho.Naiisip mo ba?
Huwag na natin hintayin ang retirement years na hindi nakapaghanda.Kahit ngayong pandemic naranasan na natin ang mahirapan kung wala tayong pera.
Maraming naging realization ang pandemic.Kaya habang malakas ka pa at kumikita protektahan mo na ang sitwasyon mo sa darating na panahon👍😊

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🤔🤔🤔🤔🤔
Gusto mo mag-invest sa Stock Market pero:

1.) Walang time mag-monitor 📊
2.) Walang time mag-aral ng technical analysis 📉📈
3.) Hindi kalakihan ang capital 💰

We suggest to invest INDIRECTLY sa stock market thru Mutual Funds for as low as 1,000 pesos only 😊

👉 Benefits of Investing in Mutual Funds:

✔ It is professionally managed.
✔ It is very liquid.
✔ It is diversified.
✔ It has a low minimum investment requirement.
✔ It’s very transparent.
✔ It has strong track records.
✔ It is safe and secured.
✔ Zero load fees
✔ The gains are tax-exempt.

For more details, message us to get your free ebook and attend financial class! 😊 and click the link below 👇👇👇👇👇👇👇👇👇👇
m.me/MaricelMenaFinancialCoach



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Kung ikaw ang breadwinner, ikaw ang tinatawag na Money Machine sa pamilya...

Dapat protectado, para hindi kawawa ang maiiwan anytime na mawala ka...

Be Financially Smart!

ccto

WHY WE NEED TO INVEST?🤔
Investing in the stock market is the best way to build wealth because it has the highest average return compared to other investment options. It is also the most affordable and legal way of investing.

Pwede kang mag simula mag invest sa halagang 1,000 pesos at anytime pwede mo itong kunin gaya ng bangko. Pero ang average return nito ay umaabot sa 20% per year. 😁 Mag-ipon at mag-invest! Let's talk?



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There are 2 ways to invest in Jollibee:

Option 1. Become a franchisee and invest more or less P30M to open 1 branch.

Option 2. Become a share holder by investing thru Stock Market or Mutual Funds. You only need minimum P1,000 to invest.

Special Option. Become a member of IMG for only 6,000, you already have P1,000 worth Mutual Fund Account, 50K Burial Benefit, P100,000 Accident Insurance and Access to IMG's top 48 Membership Benefits.

Which one do you like?

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Just click this link to answer 👇👇👇👇

m.me/MaricelMenaFinancialCoach

Ito ang healthcare plan ko, KAISER!!

Maraming nag tatanong kong ano daw ang pinaka recommended na healthcare provider sa Philippines. The Filipino Investment Guide is actually recommending a LONG-TERM HEALTHCARE that does not only stand as healthcare rather a COMPLETE RETIREMENT PACKAGE or that supports a COMPLETE FINANCIAL PLAN.

Sa Pilipinas isa lang ang pwedeng ma e recommend sa market - its the Kaiser Long-Term Healthcare. Its a 3 in 1 investment na may components of (1) 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: investment, life insurance and long-term healthcare.

⚠️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. Accumulation Period (7years)
This is the part where the plan holder is made to save for 7 years.

At this period, the plan holder gets to have the following 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)

⭐️2. Extended Period (13years)
Since it is also an investment product, the funds have 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 in this period include:

☝🏻- 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. Long-term Care Period (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 lumped 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.

💡Unlike the traditional 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 funds accumulated in your account until age 100.

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Pwede mo din iclick ang link below para sa pagcreate ng iyong Kaiser quotation.👇👇👇
https://309857PH.imgcorp.com/quote/kaiser

Madalas ka bang bumili o pumunta sa SM Malls?

Bakit di ka nalang bumili ng SM Mall Shares.

Alam mo ba na na sa halagang 1,000 ay makaka bili ka na ng SM Mall Shares. Sa pamamagitan ng Mutual Fund.

At kapag IMG Member ka ay may access ka sa ibat-ibang Mutual Fund at ZERO LOAD ENTRY FEE.

Sure na sure talagang kikita nanaman ng malaki ang SM ngayong pasko.

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Tara invest na tayo para kahit tulog tayo dahil bukas ng SM may kita pa din tayo just click the link below 👇 👇

m.me/MaricelMenaFinancialCoach

MILLENNIALS OUT THERE!!

TAKE ADVANTAGE OF YOUR 20s

We're young and most of us, di pa masyadong mabigat ang responsibilities especially pag early 20s. Why not take advantage of this?

Let's use this decade to learn new skills that will eventually turn into something beneficial when we get to our 30s - and don't forget to have fun too 😉

NASA BANK LANG BA ANG PERA MO?

According to a recent report by BSP, 54 million Filipinos ang wala pang investments, and siguro mostly ang pera nila nasa bank lang.

"Lumalaki" naman daw ang pera sa bangko. Pero alam mo bang sobrang liit lang ng interest rate per annum? Pag lahat ng pera mo nasa bank lang, most banks here in our country 0.125% lang ang interest.

And that's one of the reasons WHY YOU SHOULD INVEST.

There's no guaranteed returns pag nag-invest ka but if you'll invest your time first to study and learn on how investing works, malaki ang probability na kikita ka.

Wala kang time para mag-trade ng stocks? Okay lang. Hindi lang naman stock market trading ang pwede mong pag-aralan. You can even get yourself diversified investment (part lang ng whole picture ang stocks)

This is also why we do what we do, para dumami ang Pilipino na nag-iinvest sa bansa.

Ikaw, pinapatulog mo lang ba ang pera mo sa bank o pinapalaki mo?

Caption&Poster (c) Investagram

Alamin ang basic sa pag-iinvest by joining our Financial Literacy webinar.

Click this link to acquire more knowledge :)
m.me/ReginDaianeFinancialLiteracy

YAMAN TIPS #1 " to take action"

The power of compounding!

Sayang pala ang pera natin kung nasa banko lang nakalagay no? Ok lang kung pang emergency fund yan.

Pero kung ang goal mo ay kumita, ay wag natin sa banko ilalagay. Sayang!

Gusto mo ba malaman kung saan mo pa pwedeng ilagay ang iyong extrang pera para kumita ng mas malaki?

Tara ituturo ko sayo! Attend na sa aming FREE online financial coaching class.

Kindly message me para maguide kita 🙂

"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, cegurado 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.
~message ka, usap tau

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Life is a choice:

Paliliitin mo ba ang malalaking pangarap mo para magkasya ang maliit na income mo?

O palalakihin mo ang maliit na income mo para matupad ang malalaking pangarap mo?

We can help you achieve your dreams. We can help you increase your income kahit na ano pa ang background mo. Kahit na super busy ka or wala kang job ngayon.
Just pm me.https://m.me/maricel.mena


Ctto Jerry Salting Udarbe

DO YOU WANT TO BE AN INVESTOR OF JOLLIBEE!? ️🐝
If you don't have a million money to franchise, why don't you just become an investor and ride the growth of Jollibee and the company he holds.
That's why even minimum wage earner is capable of investing and changing their future and this is the right way how you can grow your money that you worked hard for.
For only P1, 000 you can be an indirect shareholder of Jollibee thru Mutual Funds.
If you want to grow your money, Comment "JOLLIBEE" and we will guide you.



BEE-Informed
Happy Investing!
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For this Month woow!!

Bakit nga ba ang MUTUAL FUNDS (STOCK MARKET) ang makabagong paraan, safe, legal at tamang paraan ng pagiipon? 🤔

🔘Affordability (₱ 5,000.00 minimum initial investment, and now ₱ 1,000.00 minimum investment just recently)

🔘High Potential Earnings (average na 10 - 20% earnings kada taon)

🔘Professional Fund Management (full-time, skilled & professional portfolio managers ang in-charge para mag-manage ng pondo ng mga investors)

🔘Tax-Exemption (base sa R.A. 8424 o Tax Reform Act of 1997, hindi kabilang ang mutual fund earnings sa pinapatawan ng 20% withholding tax)

🔘Liquidity (withdraw or redeem your shares anytime you want)

🔘Safety and Regulation (mutual fund companies ay regulated ng Securities & Exchange Commission at audited regularly ng mga external auditors)

🔘Diversification (para mabawasan ang risk up to 10% ng pondo ang maaaring i-invest sa isang company o security kaya ang pera mo ay distributed sa average na 10 kumpanya - mas lamang ang panalo kaysa talo)

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INTERESTED?

Just COMMENT below 🙂

Peace of mind, magkano to?

Peace of mind cannot be bought with money. First and foremost, only God can give us that! But He also has given us the mind, the heart, the strength and the time to find out for ourselves how to have that.

Gusto mong hindi nag-aalala patungkol sa pera? 💰

Gusto mong maging panatag ang loob mo pagdting sa kayamanan mo? Then the answer to that is financial education and IMG is here to help.

Tanong ko sayo:
Financial education today is FREE but it will require you your willingness to learn. Are you willing to learn? 🎓

Watch how financial literacy thru IMG changed the lives of our members.

FOR more details kindly MESSAGE me, Godbless 😊❤️❤️❤️

"Abundance Formula"by Brother Bo.

Just Remember this 4 numbers : 100-10-20-70