Pinoy Smart Investor

International Marketing Group IMG Qatar We offer Total Financial Solution for Total a of peace of mind. WE ARR YOUR WAKE UP CALL!

Our 2 main goals are to EDUCATE and help others APPLY what they have learned to attain FINANCIAL FREEDOM.



LOOK: Maine Mendoza drops a gem of advice to a young mother who subscribes to the long-held โ€“ and highly toxic โ€“ belief that children must carry the weight of supporting the whole family.

| Via Maine Mendoza IG
Ctto:Daily Tribune

As a financial coach, natutuwa ako dahil karamihan sa mga nakakausap ko ngayon na planning mag-pamilya or pamilyado na, yung iba single pa nga are really minding about their child or family's future-and isa doon is magkaroon sila ng maayos na education. Kaya naman thumbs up sa inyo.๐Ÿ‘๐Ÿพ๐Ÿ‘๐Ÿพ

Have a Financial Plan. Prepare Ahead and together, let us break Cycle Dependency!

For Free Financial Planning, message me now!


Happy Weekend ๐Ÿ‘Œ๐Ÿ‘


The Best System to Save Money. ๐Ÿ’ท



When the mouse is in a jar, it is all rice. He felt that life was peaceful and so he just stayed there and enjoyed it.
Until one day, the jar ran out of rice: at this time he discovered that it was deep in the bottom of the jar and could not go out anymore. He impulsively looked outside and cried.

If you are of an age that can withstand the challenges of life, then do not choose "comfort".



Pinakamurang Investment na pwede kang makapagsimula sa halagang 88 pesos a day. โœ”๏ธ

Kung nakakagastos ka ng 100 pesos araw araw. Ipunin mo nalang yan meron ka nang:

- Libreng Hospitalization 50,000 pesos yearly.
- Libreng Dental Benefit (Bunot, Check up, Cleaning)
- Libreng Medical o Physical Check up
- Libreng Consultation sa Doctor
- Life Insurance na hanggang 405,000 pesos
- Retirement Fund of 3 million

Meron din 4 beneficiaries for Family assistance and discounts.

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?


FREE QUOTATION click here๐Ÿ‘‡


Kapag LOAN: Huwag ka maingay sa asawa ko ha..

Kapag IPON at Investment: itatanong ko muna sa asawa ko. ๐Ÿ˜‚๐Ÿ˜‚๐ŸŽฏ๐Ÿ’ฏโœ”๏ธ



๐™Ž๐™– ๐™†๐˜ผ๐™„๐™Ž๐™€๐™, ๐Ÿ• ๐™ฎ๐™š๐™–๐™ง๐™จ ๐™ ๐™– ๐™‡๐™–๐™ฃ๐™œ ๐™ข๐™–๐™œ-๐™ž๐™ž๐™ฅ๐™ค๐™ฃ. ๐™ˆ๐™–๐™—๐™ช๐™๐™–๐™ฎ ๐™ ๐™– ๐™ข๐™–๐™ฃ ๐™๐™–๐™ฃ๐™œ๐™œ๐™–๐™ฃ๐™œ ๐Ÿ๐ŸŽ๐ŸŽ ๐™ฎ๐™š๐™–๐™ง๐™จ ๐™ค๐™ก๐™™ ๐™ข๐™–๐™ฎ ๐™๐™š๐™–๐™ก๐™ฉ๐™๐™˜๐™–๐™ง๐™š ๐™ ๐™– ๐™ฅ๐™– ๐™ง๐™ž๐™ฃ.
3in1 = ๐‡๐ž๐š๐ฅ๐ญ๐ก๐‚๐š๐ซ๐ž + ๐ˆ๐ง๐œ๐จ๐ฆ๐ž ๐‘๐ž๐ฉ๐ฅ๐š๐œ๐ž๐ฆ๐ž๐ง๐ญ + ๐ˆ๐ง๐ฏ๐ž๐ฌ๐ญ๐ฆ๐ž๐ง๐ญ. kumpleto na.
๐—”๐—ฑ๐˜ƒ๐—ฎ๐—ป๐˜๐—ฎ๐—ด๐—ฒ๐˜€ ๐—ป๐—ด ๐—ž๐—”๐—œ๐—ฆ๐—˜๐—ฅ:
๐Ÿ“Œ๐•๐„๐‘๐˜ ๐€๐…๐…๐Ž๐‘๐ƒ๐€๐๐‹๐„:7 years mo lng babayaran. sa iba 10 to 20 years. kung may 5 years man masyadong mahal, wala pang healthcare yun.
๐Ÿ“Œ๐‡๐ˆ๐๐ƒ๐ˆ ๐๐‘๐Ž๐๐‹๐„๐Œ๐€ ๐€๐๐† ๐๐€๐†-๐€๐ƒ๐Œ๐ˆ๐“ ๐Œ๐Ž ๐’๐€ ๐Ž๐’๐๐ˆ๐“๐€๐‹: magagamit mo ito dahil may kaiser ka at active ang plan, provided at least 1-yr ka ng nag-iipon thru kaiser.
๐Ÿ“Œ๐๐€๐’๐ˆ๐‚ ๐Œ๐„๐ƒ๐ˆ๐‚๐€๐‹ ๐๐„๐๐„๐…๐ˆ๐“๐’: free annual physical examination, free dental cleaning, etc.
๐Ÿ“Œ๐…๐ˆ๐—๐„๐ƒ ๐€๐๐† ๐€๐Œ๐Ž๐”๐๐“: kung ano ang inumpisahan mo, fixed na sya for 7-yrs hindi mag babago kahit nagkaka-edad ka.
๐Ÿ“Œ๐Œ๐€๐˜๐‘๐Ž๐Ž๐ ๐…๐€๐Œ๐ˆ๐‹๐˜ ๐€๐’๐’๐ˆ๐’๐“๐€๐๐‚๐„: maaari mong ipagamit sa immediate family mong nagkasakit. hindi mo kailangan mangutang nang pandeposit sa hospital bill. *subject for kaiser approval*
๐Ÿ“Œ๐“๐‘๐€๐๐’๐…๐„๐‘๐€๐๐‹๐„: 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.
Build for your future!!
Huwag mong antayin Tatanda ka nang walang Ipon!!
Think wisely๐Ÿ’“โ™ฅ๏ธ๐Ÿ’“๐Ÿ‡ต๐Ÿ‡ญ


Spend only on thing that really matter. ๐Ÿ’ฏโœ”๏ธ


Happy 21st Anniversary IMG!
March 7, 2023

Proud to be part of ๐Ÿ’™

Our Mission:
To help every family achieve financial freedom. NO FAMILY LEFT BEHIND.

Our Belief:
Many people today are financially struggling due to lack of financial education.

Our Crusade:
We want to deliver the world's financial wake up call. Changing people from SPENDERS to SAVERS.


"It's never too late to start investing"

International Marketing Group 04/03/2023

International Marketing Group

International Marketing Group Does money control you? Or do you control money? Every day people go to work to make a living, but no matter how hard we work and how much we earn, money always seems to control us.


Ang tao ay masipag magtrabaho para magkapera.

Pero alam mo ba na ang pera ay mas masipag magtrabaho para sayo?

Konti lang ang may alam about Philippine Stock Market or Mutual Funds sa Pilipinas.
Ito ang pinaka LEGAL sa lahat ng investment. ๐Ÿ˜ฌ

Dito pwede kang mag INVEST at bumili ng shares sa mga malalaking kumpanya sa halagang 1,000 initial.
At pwd kayo mag top-up sa halagang 20 pesos lamang kung magiging part kayo sa IMG.

So habang kumikita sila, kumikita ka din bilang shareholder investor ng kumpanya.
Hindi ka pwedeng customer/consumer lang, dapat share holder din๐Ÿ˜ƒ
Turuan kita?

PM lang...


Madaling sabihin na, โ€Hindi na baleng walang pera basta masaya ang pamilya.โ€ Pero sa totoo lang at sa panahon ngayon, hindi yan applicable. Sa taas ng lahat ng mga bilhin at sa dami ng bills, mahirap maging masaya kung gipit na gipit sa financial. Kahit pa mamuhay ka ng simple at naaayon lamang sa katayuan sa buhay, kailangan mo pa rin ng pera. Dahil lahat ng kilos at galaw mo, pera na ang nagpapaikot ng mundo.

Huwag na tayong mag-pretend na we don't need money to be happy.

In we teach How to EARN, GROW, SECURE and PROTECT your hard-earned money.

Direct Message๐Ÿ“จ me for details.


That's IMG mission really is.. Transforming ordinary people to become extra ordinary. Transforming Overseas Filipino Workers to Overseas Filipino Investor as well as ENTREPRENEUR...

This is our mission,this is IMG advocacy .


Start a business or anything related to sales in your 20s.

If there's something I would love to advocate to, that would be to encourage someone to start a business or a sales career in their 20s.

When I failed in my startup businesses, I had questioned myself "Bakit naman ganito kabigat, Lord? Ang bata ko pa sa ganitong kabigat na mga problema."

Looking back, I am more than grateful that it happened the way it did.

Your 20s are the best time to explore and fail as much as you need to.

Itโ€™s the age in which youโ€™re old enough to know better, young enough to not care, and bold enough to take risks in life. With more time, energy, and freedom, you have the edge over anyone else.

If youโ€™re aspiring to be an entrepreneur down the line, start a business in your 20s. And that'll probably one of the best decision you'll ever make.

Wealth is built over time. You don't build wealth by doing business in a span of 3-5years. You'll build wealth at around 10 years or more, together with the experience and lessons that you figure out along the way.

Think of all the greatest entrepreneurs in the world; the one thing most of them have in common is that, they started early.

Your familiar with F.I.R.E., right? Financial Independence, Retire Early.

If you would want to achieve that, start building your wealth as early as you can.

And be very financially literate as much as you need to. We can all build our wealth anytime. But we can lose it also anytime in our lifetime if we are financially illiterate.

Here are the lessons that I had learned when I started doing business in my 20s:

1. Set up emergency fund for the fixed expenses of your business, at least 6 months. Emergencies happens. And it will costs you a lot of money.

2. Make your own comprehensive Financial Report for your business. You cannot improve, what you cannot measure.

3. Open a separate bank account for your business. At least 2 accounts, if you are a startup. Choose 1 with passbook only and 1 with ATM and mobile bank only.

4. The bank account with passbook should be for your business emergency fund and 20% profit allocation for diversification. Do not put back all of your profits in your business. You need to invest it somewhere else, Insurances, Mutual Funds, Stocks, Real Properties etc.

5. The bank account with ATM and mobile banking will be for your business operation.

6. Create a page and other online systems and platforms. Bring your business online, so it can adapt. The only choice you have today is to "Adapt or Perish".

7. Always choose quality customers to save you from headache. When those customers don't see your value, walk away from them. Do not chase profits/customers, that's not sustainable. If you know what you bring to the table, you'll never be afraid eating with few people but the quality ones.

8.Take good care of your employees, so they can focus on taking good care of your customers. Satisfied and repeat customers are what sustains the business.

9. Innovate and ask feedback then Adjust. Whatever we are doing, we are a work-in-progress.

10. Learn. Observe. Apply. As Steve Jobs said, "Ideas are worth nothing unless executed. They are just a multiplier. Ex*****on is worth millions."

11. Always go back to your Why when things get tough, so set that up first.

12. And lastly, trust and enjoy the process. Always do what makes you happy because you deserve that! Don't give a burnout entrepreneur to the world.

If you fail at your attempts, just keep on trying.

Trial and error lang ang buhay.

One day, you'll be where you are meant to be. Just be very passionate about moving forward. ๐Ÿ”ฅ



Masaya na tayo sa libreng payong at pamaypay na binibigay satin pagka nag open tayo ng account.
Like We Said we are not against the Bank System.
We have to think How to grow our Savings.


1. Magkano ang withdrawal fee mo sa atm pag sa ibang banks? P12-P18?

2. Yung 10k mo ng 2yrs nasa bank magkano kinita? 0.25% ? babawasan pa ng withholding tax, Magkano nalang?

3. Time deposit mo ng P50k in 2 years magkano kinita? P1,000? babawasan pa ng withholding tax, magkano nalang?

4. Increase ng salary mo? 5%? Ang tanong nag increase nga ba? Inflation rate ngayon? Halos 6%! Ibig sabihin hindi kumikita ang pera mo sa bangko lugi ka pa.

Pag nagkasakit ka mawiwithdraw mo lahat yan. Kaya mostly walang matitira. Back to zero ka na naman, sayang ang time.
Kaya matutong mag Save and Invest ng Tama.
We're here to help you.

Attend our FREE ONLINE Financial Planning and Investment Seminar.
Message me for more details.

In ๐Ÿ’™

Gawin Mo Ito Para Yumaman Ka 2021 | Vol 1 22/02/2023

Gawin Mo Ito Para Yumaman Ka 2021 | Vol 1

Gawin Mo Ito Para Yumaman Ka 2021 | Vol 1 Tatalakayin narin dito kung paano yumaman. Ito ay specific tips kung bakit ang mayaman ay lalong yumayaman. Panoorin nyo ito araw araw para ma inspire kayo a...


Madaling sabihin na, โ€Hindi na baleng walang pera basta masaya ang pamilya.โ€ Pero sa totoo lang at sa panahon ngayon, hindi yan applicable. Sa taas ng lahat ng mga bilhin at sa dami ng bills, mahirap maging masaya kung gipit na gipit sa financial. Kahit pa mamuhay ka ng simple at naaayon lamang sa katayuan sa buhay, kailangan mo pa rin ng pera. Dahil lahat ng kilos at galaw mo, pera na ang nagpapaikot ng mundo.

Huwag na tayong mag-pretend na we don't need money to be happy.


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.

Inflation๐Ÿค”. 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 2023 ! Because you deserve more, I know you know that, but you donโ€™t know what you deserve!

Start this year by investing your future what you're working hard today!

Invest it wisely at simulan mo matuto sa tamang kaalamn by attending our Free FINANCIAL LITERACY class via Zoom. Just message me for your access.



Sabi ko nga sa mga kapatid ko at tinuturing kong mga kaibigan "Hindi Tayo malakas palagi, para kayang magwork at isupport Ang mga needs natin sa retirement age. Kaya naman kailangan niyo magising Ngayon na para makapagstart kayo para sa future niyo, at maging protected kayo and family niyo in time of crisis.


"The money we SAVE TODAY will SAVE our needs tomorrow." Mas maaga tayong magsimulang makapag-ipon, mas maganda ang ating kinabukasan. Kung 30 tayo ngayon, may 30 years tayong makapaghanda for retirement. Kung tayo'y 40 na, 20 years na lang. Kung 50 na tayo, 10 years na lang 60 na. Kaya habang may panahon pa, kumikita at malakas pa tayo, magsimula tayong mag-Ipon at mag-Invest.

Message๐Ÿ“จ mo ako.



Bakit ba hindi nagiging successful ang pag iipon ng isang tao.
UNA, wala kasing goal. Paano ka mag sisimulang umusad kung di mo naman alam ang patutunguhan mo?

PANGALAWA, walang commitment. People are born spenders and whenever they see that they have money, they usually spend it on things that depreciate in value. Konting usad, aatras agad. Kung hindi pa yun ang goal mo, wag mong gastusin sa ibang bagay.

PANGATLO, kahit may commitment pa mag save pero sa savings account lang nakalagay, kahit gaano pa kalaki ang money, it will not beat inflation. So you are actually losing the value of your money. Dahil sa inflation, ang destinasyon natin ay palayo ng palayo. Parang kang gumagamit ng bisekleta para habulin ang "mahal" mong nakasakay sa sportscar. Kailangan mas mabilis lumago ang pera natin kesa sa pag taas ng presyo ng mga financial goals natin.

PANG-APAT, kahit committed ang tao mag save at nakahanap ng pamamaraan para kumita ito ng mas mabilis sa inflation, isang major emergency lang ang mangyari, maaring maubos rin lahat ito. Worse, negative pa tayo. Kaya mainam na protektahan natin ang ating mga financial goals.

Do you think it's important to save? And when you save do you want it to be successful?



3 sets of important questions you need to ask yourself.

#1 What if you die too soon? Paano na ang family mo?
Solution : Income replacement / insurance

#2 What if magkasakit ka? Kailangan mo ng healthcare fund para hindi unti unti maubos ang investment mo.
Solution : Longterm Healthcare

#3. What if you live too long? paano ka na pagtanda sino mag aalaga sayo?

Solution : Investment/Retirement fund.
Be prepared for these kinds of situations.
Ok lang gumastos ng gumastos but make sure wag mo kalimutan paghandaan ang ilan sa mga if sa buhay.
Reminder it's not a question of if, It's a question of when.


Message๐Ÿ“จ ka lang willing ako I share syo


Photos from Kaiser Healthcare for OFWs's post 22/02/2023


Kung ikaw ay breadwinner, basahin mo ito.

Ito ang dahilan kung bakit kailangan mong magtabi muna ng para sa iyong sarili bago mo ibigay ang lahat ng kinikita mo sa iyong pamilya.

Dahil kung sila umaasa sayo, kanino ka aasa?
Hindi mo pwedeng isisi sa kanila kung wala silang maitabi dahil responsibilidad mo iyon sa iyong sarili at sa iyong pamilya.

Kahit minsan gusto nilang tumulong hindi rin nila magawa dahil wala din sila.
Kaya ang pinaka lesson dito ay kumuha ka ng healthcare at insurance. Magtabi ka ng para sa iyo.

Hindi sa lahat ng oras ay malakas ka at may trabaho. Ang ipon mo lang ang magiging protection mo. Walang masama sa pag-iipon ng tama kung gugustuhin mo.

Message mo ako, tutulungan kita.
Kung hindi mo magustuhan, hindi kita pipilitin, gusto lamang kitang tulungan.

May naalaala kong kaibigan dati sa abroad sabi ko halika sabay tayong mag-aral at mag start mag-ipon para life after abroad hindi na tayo walang-wala. Sabi niya hindi na niya kailangan kasi lahat ng mga anak niya professional. Kung kailangan ng pera madali lang mag loan kahit 1 Million pa. Sabi ko ok, ikaw bahala.

Lumipas ang panahon nauna akong nag for good at xa mga 5 years pa bago nag for good. Sad kasi xa lang mag isa sa bahay. Lahat ng mga anak niya may kanya kanya ng trabaho at pamilya. Ang masama pa nagkasakit xa. Pinupuntahan lang xa pag oras ng kainan umaga, tanghali at gabi pagkatapos umalis na at wala na bukas nman babalik.

Last 2020, namatay xa na hindi alam ng kanyang anak kung anong oras xa namatay kasi pagdating dun wala na xa.

Masakit diba? Daming sakripisyo at sinayang na panahon.
Ikaw? Anong plan mo?
Anong pinaka biggest WHY mo?
Anong klaseng lolo at lola ka balang araw, pasa pasahan o agaw agawan?
Ayaw mo pa rin mag start mag ipon? It's your Choice....
Pero kung ayaw mong mangyari sayo, halika tulungan kita. Hindi pa huli ang lahat.


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