Pinoy Smart Investor

IMG International Marketing GROUP
a Philippine-based global company focused on promoting financial literacy among Filipinos, recently hosted a Financial Literacy Seminar for the Filipino community in Qatar.

As part of their 20-day financial literacy tour across the Middle East, financial mentors and entrepreneurs Benj and Fely Santiago visited Doha to share their expertise on financial education to the event participants.

The Santiagos are the authors of the “Debt Destroyers” book. Both are actively leading the Truly Rich Makers team of financial coaches, which they founded in 2010.

The group continues to provide free financial education for the Filipino community, every Friday at the Mezzanine floor of Swiss-Belinn Doha.

IMG holds Financial Literacy seminar for OFWs in Qatar Darlene RegisInternational Marketing Group (IMG), a Philippine-based global company focused on promoting financial literacy among Filipinos, recently hosted a Financial Literacy...

Someone asked me:
Nag-Inquire: Ano makukuha ko kapag nag-member ako sa IMG? Magkano rin makukuha mo kapag nag join ako?

Me:
FYI, ang membership sa IMG ay 6,000 one time lifetime at lahat ng benefits ma-eenjoy mo at mapapakinabangan mo. Para yang Enrollment Fee sa school, nag-enrol ka kasi gusto mong matuto. Hindi mo iisipin kung magkano kikitain ng School mo at Teacher mo sa Enrollment Fee mo, kasi nag-enroll ka dahil sa SARILI mong Interest.
Parang ganoon rin sa IMG, mag-join ka dahil gusto mong MAGBAGO ang FINANCIAL Life mo. Dahil walang ibang responsable jan, kundi IKAW lang. Tutulungan ka lang ng IMG!

Nag-Inquire:
Ah ganoon po pala Sir.

Me:
FYI po ulit, hindi kami kumikita sa Membership ng tao sa IMG. Hindi po kami Networking Company na kumikita sa Membership ng tao. Ang 6,000 mo sayo yan, purely sa Sarili mong INTEREST yan sa IMG.

Nag-Inquire:
Ah ganoon po pala, akala ko may kita po kayo sa Membership. Eh paano po kayo kumikita sa IMG?

Me:
Ah... kahit gusto kong i-share sayo, hindi po pwede.. kasi IMG Members lang ang may Benefit na malaman yan. Kaya, mag-member ka na muna.

SULIT NA SULIT ANG MEMBERSHIP..
GIVE YOURSELF A GREAT START THIS 2024! 💜

Sad but True..
Join ka sa IMG tiyak na makakaipon ka at madadagdagan pa kaalaman mo.

In

WHY WE NEED TO JOIN IMG 💯
𝐋𝐎𝐕𝐄 - We share because we love
𝐂𝐀𝐑𝐄 - We will not contact you if we don’t care
𝐇𝐎𝐏𝐄 - We want to present IMG because we want to give you hope
𝐇𝐄𝐋𝐏 - We want you to be part of IMG because we want to help you
𝐆𝐔𝐈𝐃𝐄 - We want to guide you to create wealth
𝐋𝐈𝐅𝐄 - And we are doing this to help change peoples live..

Tandaan mo if puro utangera, tsimosa, galera, tunggetera ang apat mong kaibigan di mag tatagal ikaw ang pang lima. 😁

Pero pag Iponera at investor ang apat mong kaibigan sure pa ako ikaw ang pang lima.
kaya piliin mo kung sino circle of friends mo.

In 💙

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 about taking a vacation for a month with no SALARY?

Let us not depend on our Company's retirement benefit. What if u lose your job or your company go bankrupt? your future depends in your decision today!

To start your retirement plan message📨 me.

🔑Kung Hindi natin susubukan , paano natin malalaman?
🔑Kung Hindi natin uumpisahan, paano natin makukuha?
🔑Kung Hindi tayo magkakamali, paano tayo matututo?
🔑Kung Hindi tayo makikipagsapalaran, paano tayo magtatagumpay?
🔑Kung matatakot tayo, paano natin makakamit ang ating mga pinapangarap?

LET YOUR DREAMS BE BIGGER THAN YOUR FEAR.

📸Ctto

📌How can you go wrong in joining IMG
or International Marketing Group?

✅Tinuturuan kaming mag-ipon ng tama.
✅Tinuturuan kaming makawala sa utang.
✅Tinuturuan kaming magkroon ng Proteksyon.
✅Tinuturuan kaming magpalago ng kinikita.
✅Tinuturuan kaming tumulong din sa iba na makapag-ipon
✅Tinuturuan din kaming magsauli ng
Tithes at makatulong sa mga Charity ❣️

We have a BIG HEART to help also like you.
Halos lahat andito na!

👉Bigyan mo lang ng ORAS, Kaibigan.
📌Para kilalanin ang kompanyang
aming kinabibilangan.

Usap tayo, Kaibigan 🗣️
👉 https://120274qat.imgcorp.com/linkbio/

Ngayon na ang Tamang Oras Para magsimula!

Wag na tayong mag-aksaya ng Oras
Ang buhay ay maiksi lamang ⏳

One of the many reasons why people love Christmas is because everyone’s wishes are being granted. What’s your Christmas wish this year? 🎄Instead of material things why not gjve yourself and your family protection.

Register now to avail FREE 20K PERSONAL ACCIDENT
in partnership with Manila Bankers Life Insurance Corporation

To register clcik the link below:
https://120274qat.30m2030.com/share

We’ve worked hard for our 13th month pay for about a year so don’t just spent all of it in one day. 😁

Rewarding ourselves is not bad just don’t forget to set aside a portion of it for your savings and investment. 💪🏻

Make that money work for you.

✔️

The top benefits that you will get when you join IMG.

We are the International Marketing Group (IMG).

We help people Move from Dreaming to Doing. We bring life-changing financial concepts and solutions to middle-income individuals and families who are overlooked by the financial industry.

With IMG, you’ll discover...
- How you get educated on all aspects of personal finance...even if you don’t have no idea at all!
- How to access hundreds of financial products and services.
- How you can receive training and support to manage your money!
- How you can save money on various products and services
- How you can Earn by sharing their know-how with associates in fast-growing industries!
- Know how you can become your own money manager and financial educator!

But how can you have money if you don't have any money?
The key to any financial success is right financial education with action.

Don’t worry; we’ll guide you.
Click👉 https://120274qat.imgcorp.com/linkbio/

A community of 10 million Filipino families is carrying out our noble financial literacy campaign. In our commitment to fostering positive change in lives, we extend our acknowledgment to everyone's relentless efforts to provide financial education to countless Filipinos worldwide.

Having a Kaiser Long-term healthcare is better than having Life Insurance(that has health insurance feature) product alone. Though having both is best.

Here are the top 5 reasons why:
1. IT COVERS YOU WAY BEYOND RETIREMENT YEARS - Most HMOs & Life insurance products limit their health coverage between 65-80 years old, some cover up to 100 years old. Kaiser Long-Term Care can cover even beyond 100 years old.
2. IT WORKS JUST LIKE YOUR COMPANY HEALTHCARE - Life Insurance is a reimbursement type program, you can never present your Life Insurance policy during admission or when settling your hospitalization bill. You have to pay the hospital first then file necessary documents for reimbursement. With Kaiser Long-Term care it is just like the usual company HMOs. It settles everything (other than personal miscellaneous) after deducting the PhilHealth benefits. It uses its Kaiser rates that was agreed upon by Kaiser International Healthgroup Inc. and the accredited hospital, making you spend less than paying in cash.
3. PEACE OF MIND - Every Filipino fears about getting hospitalized because having less/no cash available on hand. Most of us borrow money somewhere else expecting to pay interests in the future. If you only have Life Insurance, though you can get reimbursement to pay back your lender you will still shell out money out from your pocket. Remember the insurance provider will only reimburse what the hospital billed to you and it does not include the interests you incur from borrowing it. Since Kaiser long-term care is like a company HMO you no longer need to borrow money from somewhere else. It is really a peace of mind.
4. PROGRESSIVE COVERAGE OVER TIME - In Life Insurance its health benefits are fix and limited. The program's health benefits now may not be enough to cover hospitalization expenses 30 years or 40 years from now, forcing us to shell more money out from our pocket again. The Kaiser long term care program makes your contributions and unused healthcare benefits grow over the period of time(ave. 10%) giving you more hospitalization coverage when we need it in the future.
5. WELL MANAGED FUND - To ensure sustainability and security of all Kaiser Long Term care plan holders' contributions, its fund are invested in a long term investment vehicle. Kaiser International Healthgroup Inc. owns 80% of the youngest Mutual Fund company in Philippines financial market which is Soldivo Funds. Rampver Financials owns the remaining 20% and also the sole fund manager for Soldivo Funds. Soldivo Funds was able to grow their assets to more than 200% in 2015, one year after it was launched.

Possessing both programs give you more secure financial future for you and your love ones. Just always make sure that they are both active to avoid problems in the future.
Kaiser International Healthgroup Inc. is the 1st in Philippines that provides the best comprehensive long term healthcare coverage to take care your future health expenses.

Don't hesitate to send me a personal message to know more about the program.


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Kaiser International Health Group Inc. is registered as a health care provider. Kaiser is far more than an HMO. While most HMOs cater to both group and individual accounts, Kaiser's product is geared to address the long-term health care needs of individuals especially after their employment and retirement years.

The Birth of A New Health Plan
Borne out of a noble desire to provide quality health to a wide range of market from the low to mid up to upper class and prepare the aging HMO population for a comfortable life during their elderly years, a group of varied Filipino professionals banded together to fund Kaiser International Health Group Inc. Thus, the company was incorporated and registered with the Securities and Exchange Commission on June 8, 2004 with an authorized capital stock of Php:160M.

Kaiser was also granted a clearance to operate by the Department of Health- Bureau of Health Facilities and Services last July 26, 2004. This is the same government agency that regulates and supervises health maintenance organizations.

One of the Philippines' leading business daily, Business World reported Kaiser as one of the Newly Registered Corporations with at least Php:50M authorized capital in its August 5, 2004 issue.
Kaiser International Health Group Inc. is registered as a health care provider. Kaiser is far more than an HMO. While most HMOs cater to both group and individual accounts, Kaiser's product is geared to address the long-term health care needs of individuals especially after their employment and retirement years.

The Filipino culture has imbibed in us the value of a closely-knit family ties. It has come to a point where more than 50% of Filipino parents rely so much on their children or other relatives to support them in their old age. With the hope of turning-around or making a paradigm shift in the Filipino minds, Kaiser's group of incorporators had to come out with a product to answer the need for financial independence of people who are faced with the feeling of helplessness at a time when they most need medical attention and support.

Kaiser International Health Group Inc. co-exists with the traditional health maintenance programs. While traditional HMOs provide the financing for companies and employer's medical and health concerns while a person is employed, this support disappears once one quits, is in between jobs, or is too old or sick to work.

Kaiser provides a second layer of HMO coverage where a member has the option to use it or not. Realizing his need for long term care, reinforced with the proper orientation and understanding of the product, the member may now opt not to use his Kaiser coverage. In the long run, he will be rewarded for staying healthy and is on his way to a more secure and comfortable elderly life. No worries.

By fulfilling its mission, Kaiser will have contributed its share to move the Philippines into economic recovery and independence. We invite you to join us and share this mission with Kaiser.
Products

Kaiser International Healthgroup, Inc., as an HMO Company caters to both corporate, group, family and individual accounts with our various short term and long term plan packages that would suit your health care requirements.

Short Term Care
Long Term Care
Senior Care Plan

Get your Free Kaiser Quotation
Click this link
👇👇👇
bit.ly/3m9hFXi

ADVICE from Warren Buffett

1. STAY away from credit cards & invest in yourself.

2. LIVE your life as simple as you are.

3. DON'T do what others say, just listen to them, but do what you feel good.

4. DON'T go on brand name; just wear those things in which you feel comfortable.

5. DON'T waste your money on unnecessary things; just spend it on what you really need.

6. DON'T give others a CHANCE to RULE your LIFE, it's yours to live after all.

Nag a-abroad ka ba?

Wow! 😯 ang galing 3 yrs lang sa abroad, nakapagpatayo sya ng malaking bahay at nakabili ng magarang sasakyan... (Sana All!!!)

Umuwi sa Pinas 🇵🇭🛫🛬...
Nagkasakit 🥺🥺
Isang buwan sa hospital 🏥
Naubos lahat ng napundar,
bahay, lupa at sasakyan nabenta 🤦‍♂️🤦‍♀️

Ano gagawin❓❓❓
Need ulit mag abroad at mag ipon..
Mgsakripisyong malayo sa pamilya ulit 😭

⚠️Lesson:
Dapat unahin mong investment ang HEALTHCARE mo dahil sa isang sakit na tumama sau, ubos lahat ng SOLID INVESTMENT mo ❗❗❗

Ang iba nag-iipon sa ALKANSYA, LATA, SAHIG, DINGDING, KAWAYAN. At Iba din pag sa Investment or Mutual Funds mo nilagay Ang ipon mo ☺️.

Ikaw saan mo gusto ilagay ipon mo 🤔

Lamang TALAGA ang MAY-ALAM.

PM ka lang.. ☺️👍

Start investing while you are young, because you are not getting any younger.

Kaiser International Health Group, your 1st name in healthcare, is here to help you.

With just 88 pesos per day or 2,647 pesos per month, you are already insured and secured with us.

For FREE KAISER Quotation:
👉 https://bitly.ws/WVHD

How old are you since you started investing in healthcare?

Investing at any age is never too late; as long as you start, you can make a big difference.

Safeguard your future for a brighter tomorrow and generate the money you have right now to become financially wealthy and healthy with Kaiser International Health Group, your 1st name in healthcare.

Kaiser, Na Sa’yo na ang lahat!

Learn more about our products by visiting our website: www.kaiserhealthgroup.com/

For FREE KAISER Quotation:
👉 https://bitly.ws/WVHD

Build a plan with Kaiser International Health Group.

We provide life insurance to protect your family, healthcare insurance to protect yourself, and investment insurance to safeguard your money. Essentially, it is a package that encompasses all of the good benefits, not only for yourself but also for your loved ones.

Our long-term care specifically focuses on healthcare coverage, savings, an emergency fund, and insurance.

For FREE KAISER Quotation:
👉 bit.ly/3m9hFXi

To learn more about our long-term care, scan the QR code or visit our website:https://www.kaiserhealthgroup.com/products/long-term.php

https://youtu.be/LqhUVHbEoo0?si=3twOFk6MS18ZpmiF

Wag Mong Gagawin ang 9 Financial Mistakes ng mga Pinoy | Filipino Success mundo ng personal finance, maraming pagkakataon na magkamali tayo. Napakarami naman kasing ...

😂😂😂

𝗔𝗻𝗼 𝗻𝗴𝗮 𝗯𝗮 𝗺akukuha 𝗺𝗼 𝗸𝗮𝗽𝗮𝗴 𝗜𝗠𝗚 𝗠𝗲𝗺𝗯𝗲𝗿 𝗸𝗮? 🙋
𝗜𝗻𝗰𝗹𝘂𝗱𝗲𝘀:
🌹 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗘𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻 - 𝗙𝗥𝗘𝗘
🌹 𝗨𝗻𝗹𝗶𝗺𝗶𝘁𝗲𝗱 𝗧𝗿𝗮𝗶𝗻𝗶𝗻𝗴𝘀 - 𝗙𝗥𝗘𝗘
🌹 𝗨𝗻𝗹𝗶𝗺𝗶𝘁𝗲𝗱 𝗪𝗼𝗿𝗸𝘀𝗵𝗼𝗽 - 𝗙𝗥𝗘𝗘
🌹 𝗣1,000 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗶𝗻 𝗺𝘂𝘁𝘂𝗮𝗹 𝗳𝘂𝗻𝗱 𝘄𝗶𝘁𝗵 𝘇𝗲𝗿𝗼 𝗲𝗻𝘁𝗿𝘆 𝗳𝗲𝗲
🌹 𝗣100,000 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗮𝗰𝗰𝗶𝗱𝗲𝗻𝘁 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲
🌹 𝗙𝗿𝗲𝗲 𝗲𝘆𝗲 𝗳𝗿𝗮𝗺𝗲𝘀 𝗳𝗿𝗼𝗺 𝗞𝗮𝗶𝘀𝗲𝗿 𝗮𝗻𝗱 𝗜𝗠𝗚
🌹𝗙𝗿𝗲𝗲 𝗨𝗡𝗟𝗜𝗠𝗜𝗧𝗘𝗗 𝗺𝗲𝗱𝗶𝗰𝗮𝗹 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻 𝗮𝘁 𝗞𝗮𝗶𝘀𝗲𝗿 𝗠𝗲𝗱𝗶𝗰𝗮𝗹 𝗖𝗲𝗻𝘁𝗲𝗿𝘀
🌹 20% 𝗱𝗶𝘀𝗰𝗼𝘂𝗻𝘁 𝗼𝗻 𝗺𝗲𝗱𝗶𝗰𝗮𝗹 𝗹𝗮𝗯𝗼𝗿𝗮𝘁𝗼𝗿𝘆 𝘁𝗲𝘀𝘁𝘀
🌹 24/7 𝗮𝘀𝘀𝗶𝘀𝘁𝗮𝗻𝗰𝗲 𝗳𝗿𝗼𝗺 𝗺𝗲𝗺𝗼𝗿𝗶𝗮𝗹 𝗰𝗼𝗻𝗰𝗶𝗲𝗿𝗴𝗲
🌹 𝗗𝗶𝘀𝗰𝗼𝘂𝗻𝘁𝘀 𝗼𝗻 𝗖𝗔𝗥 𝗽𝘂𝗿𝗰𝗵𝗮𝘀𝗲𝘀
🌹 𝗗𝗶𝘀𝗰𝗼𝘂𝗻𝘁𝘀 𝗼𝗻 𝘃𝗲𝗵𝗶𝗰𝗹𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲, 𝗳𝗶𝗿𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲, 𝗲𝘁𝗰.
🌹 𝗗𝗶𝘀𝗰𝗼𝘂𝗻𝘁𝘀 𝗼𝗻 𝗮𝘀𝘀𝗼𝗰𝗶𝗮𝘁𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗽𝗹𝗮𝗻𝗻𝗲𝗿 𝗰𝗲𝗿𝘁𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻
🌹 𝗗𝗶𝘀𝗰𝗼𝘂𝗻𝘁𝘀 𝗼𝗻 𝗥𝗲𝗮𝗹 𝗘𝘀𝘁𝗮𝘁𝗲
🌹𝗗𝗶𝘀𝗰𝗼𝘂𝗻𝘁𝘀 𝗼𝗻 𝗡𝗼𝗻-𝗟𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲
🌹 𝗗𝗶𝘀𝗰𝗼𝘂𝗻𝘁𝘀 𝗼𝗻 𝗦𝗽𝗲𝗰𝗶𝗮𝗹 𝗖𝗼𝘂𝗿s𝗲𝘀
🌹 𝗥𝗘𝗖𝗢𝗚𝗡𝗜𝗧𝗜𝗢𝗡𝗦
🌹 𝗘𝗫𝗖𝗟𝗨𝗦𝗜𝗩𝗘 𝗘𝗩𝗘𝗡𝗧𝗦 (𝗜𝗻𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗰𝗼𝗱𝗲𝗱 𝗺𝗲𝗺𝗯𝗲𝗿𝘀)
🌹 𝗪𝗢𝗥𝗟𝗗𝗪𝗜𝗗𝗘 𝗣𝗥𝗢𝗧𝗘𝗖𝗧𝗜𝗢𝗡 (𝗜𝗻𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗖𝗼𝗱𝗲𝗱 𝗠𝗲𝗺𝗯𝗲𝗿𝘀)
🌹 𝗔𝗖𝗖𝗜𝗗𝗘𝗡𝗧𝗔𝗟 𝗗𝗜𝗦𝗔𝗕𝗟𝗘𝗠𝗘𝗡𝗧 𝗕𝗘𝗡𝗘𝗙𝗜𝗧 (𝗜𝗻𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗖𝗼𝗱𝗲𝗱 𝗠𝗲𝗺𝗯𝗲𝗿𝘀)
💥 𝗣50,000 𝗟𝗜𝗙𝗘 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 (𝗰𝗼𝗻𝘃𝗲𝗿𝘁𝗶𝗯𝗹𝗲 𝘁𝗼 𝗺𝗲𝗺𝗼𝗿𝗶𝗮𝗹)
𝗬𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆.𝗬𝗼𝘂𝗿 𝗰𝗵𝗼𝗶𝗰𝗲.🍁

Be an IMG member Now!
Click here 👉 https://120274qat.imgcorp.com/linkbio/




📸Ctto

Pinaka murang PHP 56,990.

Kung meron kang 56,990,
Anong business ang pwede mong umpisahan?