Gen Z Builder

Saving money while young doesn't destroy the fun. It just ensures that you can continue the fun your entire life.

Usapang Insurance*

Did you know that in Insurance choosing "IRREVOCABLE" or "REVOCABLE" beneficiary is important...?

If you're the Insured or the owner of the policy, you cannot easily change the term of the policy without the consent of your beneficiary if you check ✅️ or you chose "irrevocable" status.

Meaning the entity chosen or beneficiary(irrevocable) must agree to any or all changes in the rights to compensation to these entities.

Take note, there are pros and cons of both REVOCABLE & IRREVOCABLE status.

Manulife Philippines

Before magstart ng investment, focus on liquidity first! Importante na may Emergency Fund and Savings.

Credit to financial growth ph

Dating networker. Kumikita ng 100k a week. Nung na stroke, Saka niya narealize ang importansiya ng itinuturo ng IMG. Di na rin siya pwede bumalik sa pagiging networker at magbenta ng mga supplement. Dahil sabi nga niya, sino ba bibili kung sa kanya mismo di effective. Kaya nagjoin siya para me share sa iba ang kanyang mga napagdaanan na gumastos ng million sa health ng mastroke dahil walang Healthcare....

Hoping ikaw na ngbabasa nito sana makita mo rin ang kahalagahan ng pagbubuild ng isang solid financial foundation.

Magkaruon ng tamang proteksyon bilang Bread winner ng pamilya via LONG TERM HEALTH CARE

Protection para sa pamilya incase may di inaasahang pangyayari o pagkawala ng breadwinner may income replacement thru INSURANCE

Mamanage ng tama ang mga kautangan unti unti mawakawala sa utang or ELIMINATE DEBT

Magkaruon ng EMERGENCY FUND para may pagkukunan kung dumating man ang mga di inaasahang pangyayari like pagkawala ng trabaho, pandemic, sakit o sakuna

INVESTMENT para maachieve ang mga gusto mong goals like educational plan para sa anak, retirement, dream house, car, vacation atbp.

Just like building a House, we must build it right. Para anumang delubyo o sakuna ang dumating di kaaagad agad guguho ang iyong buhay pinansyal.

LAMANG ANG ALAM....
Be financially Educated....

Join Our Financial Literacy webinars





📸 ctto

This article can be confusing or misleading.

The reality for many is this - the more people earn, the more people spend.

This article may suggest thay you have to earn more to spend more to be happy more.

Happiness is usually tied up with material stuff.

While some material stuff are essential, we must not forget that material stuff are for "use" but not for "love".

As the saying goes, "love people, use things, not the other way around".

Joyfulness is better than happiness.

"Joy is deeper." as per John C. Maxwell.

Joyfulness comes with Gratefulness (gratitude).

Choose to be joyful, but don't forget to work on your dreams. Build financial security and wealth with your income. Income is what you earn, but wealth is what you keep.

While you increase your income, increase your savings. Learn to invest wisely. Build income streams and passive income for a greater purpose - to build significance and legacy.

Income flows. Wealth grows.
Know the difference.

Keep updated on money matters.
Financial education is the first step.

Ano ang pagkakaiba ng
(a) Fidelity
(b) Everest Memorial Service (EMS)
(c) St. Peter Plans
(d) other memorial plans

Lahat itong apat ay may memorial concierge services, na isang tawag lang may mag-a-asikaso na.

Ang Fidelity at EMS ay life insurance with memorial concierge services. May fixed insurance coverage, na maaring magamit for memorial services, at kung may sobra (sukli), maaring makuha ay cash. Ang Fidelity ay "term" insurance may coverage lang ang member habang active ang accreditation sa IMG, at hanggang maximum age na 64.

Ang EMS ay whole life insurance na pay up to 10 years, at pag fully paid na, covered hanggang 100 years old.

Ang St. Peter plans at ibang memorial plans ay funeral services with memorial concierge services. May fixed na memorial service (halimbawa, type ng kabaong), na usually transferable at open-ended, o may "inflation protection," ibig sabihin, maski mag-mahal ang halaga ng kabaong, guaranteed ng provider ang service (type ng kabaong)

Maganda naman in theory ang open ended plans, pero maaaring may additional risks iyan due to unexpected economic conditions. Halimbawa, noong 1980s, ang CAP ay nag-offer ng educational plans na open-ended. Dahil mas mas mabilis ang pagtaas ng tuition fees kaysa inaasahan, nalugi ang CAP at maraming hindi nakakuha ng educational benefits.

Ang fixed value plans ay mas mura kaysa sa memorial plans, kaya maaring mas malaking coverage sa parehong budget.

Maganda kumuha ng Fidelity o EMS PLUS mutual funds, kaysa memorial plans, para mas malaking coverage sa mababang premium (if you die too soon), at kung ang natipid ay i-invest sa mutual funds, maari itong inflation protection para mas mataas ang total na benefits habang tumatagal ( if you live too long)

Matuto ng practical money strategies sa

Be a shareholder sa JOLIBEE at sa iba pang big corporations sa Philippines like AYALA, METROBANK, BDO, SM, GLOBE, BPI, PLDT and many more? (and even if you're abroad?)🤗👌

Familiar ka ba sa Stock Market⁉️

There are 2 ways to invest in the Stock Market:
1.) Direct Investing sa stock market.
2.) Indirect Investing thru a financial product like Mutual Funds, Life Insurance and Healthcare with cash value.

Dati akala ko pang-mayaman lang ang pagiging shareholder, ang hindi ko alam, pwede pala ito sa lahat.

✅Dahil sa Financial Education classes ng IMG Wealth Academy, nalaman ko paano makakapag-umpisa. I'm committed to help you learn, understand and start right away.

✅Sa Mutual Funds pwedeng magsimula sa P1,000 ngunit mas maraming benefits kapag mag-sisimula ka bilang isang IMG Associate Member.
Send us a message if interested.

📌DISCLAIMER:
International Marketing Group (IMG) is one of the few companies of its kind in the industry today; a company which caters to the financial needs of every individual and families who wish to attain financial independence. IMG is a financial educator, who has established agreements with many of the world's leading financial services companies who offer a broad array of financial products & services. IMG does not sell mutual funds. All mutual funds are sold by Rampver Financials.

What you can do:

1. You can't blame your elderly loved ones if they have small pension since wala ding nag educate at nag guide sa kanila noong nag sisimula pa lang sila.

2. You can learn from their situation by getting financial education today. You can become an educated saver or investor so you can make better money decisions.

Mas pinadali na ang pag iinvest sa Mutual Fund thru IMG Membership program.

Kahit saang sulok ka man ng mundo pwede kang mag invest at makisosyo sa mga naglalakihang corporations like SM, Jollibee, BDO, Ayala etc. Pwede mong umupisahan sa maliit na halaga kasi pinababa na ang minimum initial investment.

Pag ikaw ay naging IMG member, automatic mutual investor ka na at pwede ka magdagdag sa investment kahit pa bente bente lang. Yes po, kahit P20 pwede mong iinvest sa mga malalaking companies.

Gusto mong matutunan kung paano, message mo lang ako 🙂

“TIME IS A FRIEND of a great plan and ex*****on, an enemy of procrastination.”

A common misconception many people have is that we equate our age with achieving a status. (That's what I also thought)

"When I hit 30 years old I'll have this much income."

"I'm hoping to be able to retire at age 50."

NO.

You can't get there with wishful thinking.

You won't have it just because you're older.

Your financial status depends on your cashflows, savings and investments, not your age.

Even if you feel unsure whether you'll stilll have a job or business six months from now for whatever reason, that shouldn't stop you from taking hold of your finances today.

If you want to achieve financial stability, here are some action that what we need to do:

✅Cut down some of your expenses.
✅Find multiple sources of income.
✅Build your emergency fund.
✅Secure an insurance that fits in your budget.

You can accomplish these things by planning your own budget. (But educate yourself first. Daily kaming may free classes.)

If you’ll give yourself a chance, you will realize that you have enough to invest for your other goals.

The key is to stick to it (with those principles coupled with definite action) and you'll eventually get there.

Let's respect (and take advantage of) time and get started. 🙂
Learn more by attending our free webinar via Zoom.Message me for the schedule.




No matter how good your company benefits are today, you will no longer be covered when you are resigned or retired.

Get a long term care to take care of you during your old age!


Cotto Juliet Porio-Blanquero

The Life of a Financial Coach
.. is not always easy.

People come to you with their financial challenges, hopes and aspirations.

Young and old.
Employed and business owners.
Local laborers and overseas.
Professionals and self employed.
Single and married.
Almost everyone.

They tell you they want to.. improve their finances.. overcome their money challenges.. fix their money problems.. achieve their financial goals.. build financial security

As a financial coach and educator.. you journey with them.. you help them get started.. you help them point out their mistakes.. you help them learn the solutions.. you make them see the root cause of their financial inefficiencies.. you help them build a plan for their financial future

Reasons for the financial inefficiencies, include money blind spots, wrong money beliefs and habits.

Within everyone's journey to better life, the change is not overnight and the methods cannot be applied and executed by people alone or by themselves.

That why we are here, a community of financial educators, mentors and coaches.

Only after getting started, and being persistent in the financial education process, that we see improvements in people's lives.

People start to see changes. They start to take control of their finances. They start to spend less, while saving and investing more for their financial goals. They start to have more cash in-flow, and have extra cash on-hand. They start to pay debts. They start to be responsible. They start to see hope and a future.

From nobody to somebody, they start to feel they are capable of overcoming the challenges.

From fix/active income earners with debts and no savings, they become educated savers, learned investors and millionaire breadwinners and providers to their families.

All these are turning points of people and families that we have a chance to work with, make the journey more fulfilling.

Fulfillment and happiness is when we see change, a hope and a better future.

That's why, the life of a financial educator, the life of a financial coach...

is not just a job or career, it's a mission and a calling.

Sa true lang!!!

Marami sa atin ang gustong makamtan ang tunay na asenso...

Our ultimate goal is ang ma-achieve ang financial success and financial security...

But we may not know the steps...

Pwede rin na alam natin ang mga wealth principles and concepts, pero we don't know where to start and who will help us do it.

That's why we need a proper strategy and a guide.

If we want to upgrade our financial lives -

then this book can lead us to where it all begins.

Join us.

We can take you from dreaming to doing.

MAKE USE OF YOUR 20s to SECURE YOUR 80s

Future is not made in future, it is made by making use of your today. The first identity of the bright future, is your current right and lightening present.

So many youths want to have a better future, but busy wasting time on and with something darkening their future.

What you do now determine your future. If you are 20 _ 30 ,you are at a level of time not waste.

If you can't work on your life and create a better future in your 20s,it will be too late when you think of doing so in 40s-50s.

Don't waste your energy, use it to build a better life. You are energetic and this makes it possible for you to do anything and achieve whatever you want.