Money Guide

💰 IPON CHALLENGE: ₱20 A DAY! 💰
Kaya mo bang magtabi ng ₱20 araw-araw?
✨ Maliit man sa simula, basta tuloy-tuloy at may disiplina — siguradong lalago!
✨ Hindi kailangang malaki agad ang halaga.
✨ Ang sikreto? Consistency + Tamang Gabay.
Simulan mo ngayon.
Ang ₱20 mo today, magiging pundasyon ng financial freedom mo tomorrow!
📣 Gusto mo matutunan paano mag-budget, mag-ipon at magpalago ng pera?
Join our FREE Financial Coaching Session!
📩 Message me to reserve your slot!
Huwag ipagpabukas ang pag-ipon — Simulan na ngayon! 💛

Tips paano mag budget.

𝘽𝙐𝘿𝙂𝙀𝙏 𝙋𝙇𝘼𝙉 𝙏𝙄𝙋𝙎

THREE Financial Stages of Life:
1. Man at Work...
2. Man and Money at Work...
3. Money at Work...

Hindi habang buhay ka magtatrabaho para sa pera. Alamin kung paano ang pera magtrabaho para syo.

Be Financially SMART!

𝑱𝒐𝒊𝒏 𝒐𝒖𝒓 𝒄𝒐𝒎𝒎𝒖𝒏𝒊𝒕𝒚

𝗢𝘂𝗿 𝗠𝗶𝘀𝘀𝗶𝗼𝗻: 𝗖𝗵𝗮𝗻𝗴𝗶𝗻𝗴 𝗽𝗲𝗼𝗽𝗹𝗲 𝗳𝗿𝗼𝗺 𝗦𝗽𝗲𝗻𝗱𝗲𝗿𝘀 𝘁𝗼 𝗦𝗔𝗩𝗘𝗥𝗦
𝗢𝘂𝗿 𝗩𝗶𝘀𝗶𝗼𝗻: 𝗧𝗼 𝗘𝗱𝘂𝗰𝗮𝘁𝗲 𝟯𝟬 𝗺𝗶𝗹𝗹𝗶𝗼𝗻 𝗳𝗮𝗺𝗶𝗹𝗶𝗲𝘀 𝗯𝘆 𝘆𝗲𝗮𝗿 𝟮𝟬𝟯0
𝗢𝘂𝗿 𝗖𝗿𝘂𝘀𝗮𝗱𝗲: 𝗡𝗼 𝗳𝗮𝗺𝗶𝗹𝘆 𝗹𝗲𝗳𝘁 𝗯𝗲𝗵𝗶𝗻𝗱

𝙙𝙞𝙧𝙚𝙘𝙩 𝙢𝙚𝙨𝙨𝙖𝙜𝙚 👉 https://m.me/ImCoachGhieSurio

𝙎𝙖 𝙆𝘼𝙄𝙎𝙀𝙍, 𝟕 𝙮𝙚𝙖𝙧𝙨 𝙠𝙖 𝙇𝙖𝙣𝙜 𝙢𝙖𝙜-𝙞𝙞𝙥𝙤𝙣. 𝙈𝙖𝙗𝙪𝙝𝙖𝙮 𝙠𝙖 𝙢𝙖𝙣 𝙝𝙖𝙣𝙜𝙜𝙖𝙣𝙜 𝟏𝟎𝟎 𝙮𝙚𝙖𝙧𝙨 𝙤𝙡𝙙 𝙢𝙖𝙮 𝙝𝙚𝙖𝙡𝙩𝙝𝙘𝙖𝙧𝙚 𝙠𝙖 𝙥𝙖 𝙧𝙞𝙣.

3in1 = 𝐇𝐞𝐚𝐥𝐭𝐡𝐂𝐚𝐫𝐞 + 𝐈𝐧𝐜𝐨𝐦𝐞 𝐑𝐞𝐩𝐥𝐚𝐜𝐞𝐦𝐞𝐧𝐭 + 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭. kumpleto na.

𝗔𝗱𝘃𝗮𝗻𝘁𝗮𝗴𝗲𝘀 𝗻𝗴 𝗞𝗔𝗜𝗦𝗘𝗥:

📌𝐕𝐄𝐑𝐘 𝐀𝐅𝐅𝐎𝐑𝐃𝐀𝐁𝐋𝐄:7 years mo lng babayaran. sa iba 10 to 20 years. kung may 5 years man masyadong mahal, wala pang healthcare yun.

📌𝐇𝐈𝐍𝐃𝐈 𝐏𝐑𝐎𝐁𝐋𝐄𝐌𝐀 𝐀𝐍𝐆 𝐏𝐀𝐆-𝐀𝐃𝐌𝐈𝐓 𝐌𝐎 𝐒𝐀 𝐎𝐒𝐏𝐈𝐓𝐀𝐋: magagamit mo ito dahil may kaiser ka at active ang plan, provided at least 1-yr ka ng nag-iipon thru kaiser.

📌𝐁𝐀𝐒𝐈𝐂 𝐌𝐄𝐃𝐈𝐂𝐀𝐋 𝐁𝐄𝐍𝐄𝐅𝐈𝐓𝐒: free annual physical examination, free dental cleaning, etc.

📌𝐅𝐈𝐗𝐄𝐃 𝐀𝐍𝐆 𝐀𝐌𝐎𝐔𝐍𝐓: kung ano ang inumpisahan mo, fixed na sya for 7-yrs hindi mag babago kahit nagkaka-edad ka.

📌𝐌𝐀𝐘𝐑𝐎𝐎𝐍 𝐅𝐀𝐌𝐈𝐋𝐘 𝐀𝐒𝐒𝐈𝐒𝐓𝐀𝐍𝐂𝐄: maaari mong ipagamit sa immediate family mong nagkasakit. hindi mo kailangan mangutang nang pandeposit sa hosubject for kaiser approvalser approval*

📌𝐓𝐑𝐀𝐍𝐒𝐅𝐄𝐑𝐀𝐁𝐋𝐄: maari itong ma-transfer upon death, hindi magiging mabigat financially sa family ang pag-kawala mo. at pagdating ng maturity makakakuha ang iyong beneficiary ng malaking pera galing sa investment mo.
maganda diba?

Message us for A Free Quote 😊

Basta healthy ay qualified po for this program?

If you really love your family at ayaw mong maging burden sa kanila either you die too soon or you live too long.

Get Kaiser 3 in 1 ,(Longterm Healthcare, Life Insurance +
Investment) as early as you can, "mas daig ng maagap ang masipag"

Para sa klaro at kumpletong detalye message us!
https://m.me/ghie.surio

Looking for HMO na pasok sa budget😊

Kaiser Longterm Healthcare 3 in 1
✅Healthcare
✅Insurance
✅Investment

Pm me for more details😊
https://m.me/ghie.surio

Saan aabot ang 20 pesos mo?

Pwede invest thru mutual funds.
Patunay sa Dash Board or Portal ng IMG member na pwede mag SAVE at INVEST ng 20 pesos. .

Five tips to start investing in the Philippine stock market through mutual fund. Remember even an ordinary Juan can put their money into the stock market indirectly:

1. Know your investment goal.
2. Know what the stock market and mutual fund is.
3. Know your risk profile.
4. Set aside some of your money to start.
5. Allot time to learn for investing.

Stock market is not just for the Wealthy, it's for every Juan.

Learn first before invest.

For those who are interested to learn on how to invest in the stock market or mutual funds--- Message me..😀

Hanggang saan aabot ang 𝟴𝟴 𝗽𝗲𝘀𝗼𝘀 mo?
Mag-ipon lang ng 𝟳 years 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 to get started.
https://m.me/ghie.surio

BONGGA!!!

People's Journal Newspaper features: International Marketing Group (IMG) recent Convention at Taipei! 💪💪

Please Read the Article Content:

ROAD TO FINANCIAL FREEDOM

INTERNATIONAL Marketing Group (IMG), a pioneering global company that serves as an avenue towards the ease of financial security, caters to the financial needs of every individual and families who wish to access financial independence continue to grow in this part of Asia.
Design to help create wealth for families and achieve financial freedom, IMG wants to cultivate every individuals innate capacity to develop a positive mindset in becoming financially independent.
IMG is a financial edcator dedicated to serving the financial needs of individuals and families assisting every member become millionaires.
Recently,a group of Filipinos attended the IMG Campaigners Conference in Taipei, Taiwan aimed at educating financial advisers and producing more IMG Campaigners in the country.

Ms. Veronica Elijer Sandaya, one of IMG Philippines top leaders, said the IMG program was designed for all Filipinos from all walks of life to achieve financial freedom, enjoy a better life, retire early and help others become financially stable.

-PEOPLES JOURNAL, Lifestyle
Tuesday, March 14, 2023 p.11
Some of the country's delegates during the concluded Taipei Conference. From left, Jilfag Abugan Ferrarez, Zaldy Sandaya, Roxan Sandaya, Mina Carreon , Linda Unay Rosete , Mirasol Ocampo, Odezzs Dhezz Ramos-Narag and Cynthia Gutierrez-Ansiboy .

Join Us and be part of IMG community.
https://m.me/ghie.surio

ctto

STOCK MARKET or MUTUAL FUNDS?

Kung wala kapang Time, Knowledge, Capital at medyo takot kapa dahil baka malugi ka sa Stock Market, ito ang nababagay para sa'yo...Ito ang tinatawag na Mutual Funds.

Sa Mutual Funds ikaw ay “INDIRECT INVESTOR” dahil merong Professional Fund Manager(s) na mag-manage ng portfolio mo, hindi ikaw ang magde-decide kung anong mga companies ang bibilhin.
Kaya HASSLE-FREE investing!

At ikaw na ay magiging SHAREHOLDER sa mga malalaking companya sa PILIPINAS!

Kung gusto mo ba ng ZERO LOADS/ NO ENTRY FEE sa MUTUAL FUNDS?

Kung Interesado ka at gusto mo ding matuto para makpagsimula ka na.

If you have questions, just pm us!

𝗚𝗨𝗦𝗧𝗢 𝗠𝗢 𝗕𝗔 𝗠𝗔𝗚𝗜𝗡𝗚 𝗜𝗡𝗩𝗘𝗦𝗧𝗢𝗥 𝗡𝗚 𝗝𝗢𝗟𝗟𝗜𝗕𝗘𝗘 𝗔𝗡𝗗 𝗢𝗧𝗛𝗘𝗥 𝗛𝗨𝗚𝗘 𝗖𝗢𝗠𝗣𝗔𝗡𝗜𝗘𝗦?

Sa halagang 𝟏,𝟎𝟎𝟎 𝐩𝐞𝐬𝐨𝐬 ay pwede na po.

✔️𝐕𝐄𝐑𝐘 𝐄𝐀𝐒𝐘 𝐓𝐎 𝐔𝐍𝐃𝐄𝐑𝐒𝐓𝐀𝐍𝐃.
You just need time to learn so you can invest the right way.

✔️𝐕𝐄𝐑𝐘 𝐂𝐇𝐄𝐀𝐏 𝐓𝐎 𝐒𝐓𝐀𝐑𝐓.
For as low as 1,000 pesos initial investment.

✔️𝐏𝐑𝐎𝐃𝐔𝐂𝐈𝐍𝐆 𝟏𝟓%-𝟑𝟎% 𝐏𝐄𝐑 𝐘𝐄𝐀𝐑.
Defending on the market performance.

✔️𝐋𝐄𝐆𝐀𝐋 𝐈𝐍𝐕𝐄𝐒𝐓𝐌𝐄𝐍𝐓 𝐈𝐍𝐒𝐓𝐑𝐔𝐌𝐄𝐍𝐓.
Highly regulated by SEC / PSE.

It’s easy to invest but still a lot of people neglect to prepare for their financial future.

Tara! turuan kita dito sa aming "𝐅𝐑𝐄𝐄" 𝐎𝐧𝐥𝐢𝐧𝐞 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐋𝐢𝐭𝐞𝐫𝐚𝐜𝐲 𝐂𝐥𝐚𝐬𝐬. Para iyong malaman ang mga details at How to start in this 𝐥𝐞𝐠𝐢𝐭𝐢𝐦𝐚𝐭𝐞 investing vehicle.

We teach financial literacy for free, kapag nasa puso mo ang tumulong, pati kapwa mo ay uusbong.

𝐎𝐅𝐖 𝐚𝐥𝐬𝐨 𝐜𝐚𝐧 𝐚𝐭𝐭𝐞𝐧𝐝.

For more details, Send me a message.☺️