Ultimate Kaiser Health Builder: Choosing the Right Healthcare For You

With so many different types of healthcare products and restrictions out there, it can be difficult finding the right one for you. However, this process is not impossible to do well with a little research. There are a few items to look for when deciding on the best healthcare product you can get for yourself. And by considering them all, you can make a good decision for yourself and your family about health insurance.

The most important thing to look for in choosing a good healthcare is by answering the following questions with a yes:

  1. Does it have both short-term and long-term healthcare coverage? Yes.
  2. Does it have guaranteed nenewal? Yes.
  3. Does it have guaranteed savings and investments? Yes.
  4. Does it have life insurance or Protection? Yes.

As you can see, the four (4) cornerstone of Healthcare are:

  1. Short-term Healthcare
  2. Long-term Healthcare
  3. Life Insurance
  4. Savings and investment.

I am a member of IMG and it so happens that one of our flagship products is the Ultimate Kaiser Health Builder. This is actually a long-term healthcare product where you’ll find it to have the four (4) cornerstone of a good healthcare. The Ultimate Kaiser Health Builder is actually a 3-in-1 product that answers your three (3) major financial needs, namely: for long-term healthcare, life protection/life insurance, and investments. So if you ask me if this is a good product to have, I’d say yes it is. Admittedly though, personal finance is personal. This simply means that as individuals, we do have our differences. Which is why our financial situations, available resources, and goals in life will ultimately dictate which products would be best for us. With this, let me help you decide if the Ultimate Kaiser Health Builder is the right one for you.

At IMG, we consider the Ultimate Kaiser Health Builder as our level 1 investment. And why do we think this should be the first investment? The rationale behind this is simple. You buy it when you are young and healthy and able to pay because it is something you know you will use when you are old, or sickly or no longer able to pay. So if you want to build your basic financial foundation the right way, this is the first step you need to do. Building a solid financial foundation is like building a house. You build it from the ground up. This is why you should consider healthcare as a priority. Even if you have a few hundred pesos a month but don’t have a healthcare or a life insurance, it will not take you far. When you get sick, disabled or die suddenly, your savings won’t last very long. Having a strong foundation will result to you having sturdier finances that can withstand any money related storms and earthquakes. Following the building blocks will help build and secure your financial future. So really, getting a long-term healthcare and a life insurance are the best investments you can have.

Who can avail of the Ultimate Kaiser Health Builder?

The Ultimate Kaiser Health Builder is available for those aged 10 years old to 60 years old. If you’re 10 years old to 40 years old, you can already avail of this for the minimum amount of saving just P88.00/day. If you’re 41 years old to 50 years old, you only have to save a minimum of P118.00/day. And if you’re 51 years old to 60 years old, all you need to get started is save a minimum of P147.00/day. As you can see, the earlier you start, the better since you’ll be paying a lot less when you’re younger and a little more if your older. You’ll also get a lot more from your investment when you start investing a lot earlier since your money will have more time to work for you. But no matter if you start at 10 years old or at 60 years old, all you need to do is save for only seven (7) years. After which, you just wait another thirteen years for your money to grow and work for you so that at the end of twenty (20) years or at its maturity, you’d be able to enjoy all the health benefits and still have cash you can use for your retirement fund or as pension fund. You can even use your cash benefit as a college educational fund for your kid. Or you may have it as your travel fund or emergency fund depending on your financial goals.

So how does the Ultimate Kaiser Health Builder Work?

When you get the Ultimate Kaiser Health Builder, you’re actually getting three (3) products in one. Why? Because you’re not just having a short-term and a long-term healthcare here. You’re also getting a life insurance or life protection. On top of that, you get to have a savings and investment fund which you can use as your retirement fund in your golden years if you so desires.

In availing the Ultimate Kaiser Health Builder, it’s important that you understand the 3 phases or periods that you’ll go through, namely: the the accumulation period, the extended period and the start of Long-term period.

It is in the accumulation period that you will need to pay for your Ultimate Kaiser Health Builder plan for seven (7) years. The modes of payment that you can choose from is monthly, quarterly, semi-annually, annually, or even spot-cash. This is simply called the accumulation Period because it is during this time the you will be paying for your policy. After seven (7) years, you will no longer need to pay for anything.

Now even if you’re still in the Accumulation Period, you’ll be able to enjoy the following benefits already:

  1. FREE Annual Physical Exam (APE)
  2. FREE Dental benefits
  3. Waiver of installment upon death or disability
  4. Basic Medical benefits (similar to having an HMO health insurance)
  5. Member’s choice of room and board (depends on the plan)
  6. Annual Benefit Limit (at least P50,000 per year, depends on the plan)
  7. Term Life Insurance (amount benefit depends on the plan)
  8. Accidental Death and Dismemberment benefits
  9. Lifetime network access to over 500 hospitals and 1,000 doctors (as long as you have funds)

EXTENDED PERIOD (Year 8 to Year 20)
Once you’re finished paying for your Ultimate Kaiser Health Builder, starting from Year 8 up to Year 20, all you have to do is just wait for your plan’s maturity or for this Extended Period to end. At this time, since you’ve already completed your payment for this healthcare plan, all you need to do is sit back and enjoy all the benefits you have during the Accumulation period except of course for the waiver of installment.

The main difference between this period and the previous one is that the costs of your healthcare will now be deducted from your annual health benefits, the amount of which depends on your plan.

However, at the end of each year, whatever amount that is left unused in your healthcare fund will now earn interest and accumulate. That’s because your fund is actually invested, and this is when Kaiser becomes an investment fund. Your Kaiser fund can earn a return of 10% per year. It can be lower or higher, depending on how the market is doing.

After 20 years or at the end of the Extended Period (Year 20), your plan reaches maturity and you will now be able to receive the following benefits:

  • Total amount of accumulated unused health benefits
  • Long-term care benefit or the plan coverage that you got
  • Long-term care bonus, which can be up to 85% of premium contributed, if you did not have a confinement claim during the first 7 years
  • Additional health benefits if the market is at top performance

Do note that all these benefits upon maturity are good as cash. With this, you as the plan holder has the option now to either withdraw all the money or just take half of it so that you can let the balance earn more inside the fund and receive it on installment similar to a pension-type of allowance.

As an example, let’s say you got the K-100 plan (P100,000 long-term care benefit). You will need to pay here P58,821.43 per year for seven years or for a total contract price of P411,750. Assuming you made no claims up to Year 20 and you opted to withdraw all the money on it’s maturity, then all the cash benefits you’ll receive could total up to P1,166,169.

What’s Unique about the Ultimate Kaiser Health Builder?

The Ultimate Kaiser Health Builder is a complete protection you can get for yourself and your family. There are three (3) reasons you invest your money in financial vehicles:

  1. To protect your health and ensure you have provisions for unexpected medical expensess so that you continue to be productive and in income-earning condition. The Ultinate Kaiser Health Builder is a health fund you can use when you get sick. In the first 7 years it is a hospital plan with free annual physical exam and free dental benefits. In the next 13 years, it is a healthcare fund for hospitalization and outpatient care. Unlike plain insurance, which is normally a provision for you to leave money to your beneficiaries when you pass away, the Ultimate Kaiser Health Builder is something you can use for yourself, when you get sick or in your old age. Indeed, it is your long-term healthcare that gives you coverage way beyond the age of 60 when most health insurance companies will no longer accept you. So long as you haven’t fully withdrawn all your cash benefit and you still have funds invested in your Ultimate Kaiser Health Builder, you’ll have a lifetime network access to over 500 hospitals and 1000 doctors even if you’re 100 years old or more. It’s also essential to note that if you are a member of PhilHealth, your PhilHealth membership benefits are integrated with your Ultimate Kaiser Health Builder benefits. So if ever you’re hospitalized, both your Philhealth and Ultimate Kaiser Health Builder will cumulatively cover your hospital bills. How comfortable your health care situation will be after you turn age 60 depends on the decision you make today of getting your long-term healthcare plan.

2. To protect your family with life insurance if the Lord takes you home early. For 20 years, the Ultimate Kaiser Health Builder is a life insurance protection. When you are younger, you are still at the early stages of building your wealth. So normally, you don’t have much money here but the level of responsibility is quite high as this is the time you start also having a family. But as time passes, you’ll be able to start saving and investing which increases your wealth. Hopefully, when you get older, you’ll have enough savings and investments so that you will still be earning even when you need to stop working. The question is, what if you die too soon? As can be seen here, the need for insurance protection in the early stages of building a family is quite high. So should anything happen to you or if you die too soon, having the Ultimate Kaiser Health Builder will help your family be protected. Since it is a life insurance protection, it can help you replace your income, help finance your children’s education, pay estate tax, pay debts, etc. instantly.

3. To protect your future with a health fund that grows ( and never shrinks in value except through withdrawal or use of benefits) in value. Unlike traditional healthcare (short-term health insurance provided by HMOs), which you pay and no premium is returned to you if not used, the Ultimate Kaiser Health Builder provides you the opportunity to grow your money as a reward for your being healthy and staying strong. If you remain healthy and strong, the Ultimate Kaiser Health Builder becomes your savings and investment fund that you can use as your retirement fund when the time comes that you stop working. Starting on the 8th year, its fund value grows at 10% more or less every year depending on the market situation. Upon maturity after 20 years, it becomes fully withdrawable which you can use as your emergency fund, as a standby medical fund, or as your retirement or pension fund.

Unlike plain insurance, it’s good to note also that the Ultimate Kaiser Health Builder is transferable, has zero charges and is guaranteed not to decrease in value (except through it’s use) after the seven (7) year accumulation period.

By now, you may be wondering if the Ultimate Kaiser Health Builder is the right healthcare for you. So here are some questions you might want to ask yourself to help you decide.

  1. Do I want to build a strong financial foundation and secure my future?
  2. Do I have a significant asset that I want to preserve for may family?
  3. Do I want to remain independent in my old age?
  4. Do I want to spare my family the financial struggles and hardships in coping for the high cost of hospitalization in my old age?

If you answered yes to any of the above questions, then I highly recommend that you seriously think about making the right decision as it will have a great impact on how comfortable your financial future will be. You may find that comparing policies can prove to be difficult because every company is selling a different combination of benefits and coverage. Just remember that what you finally get passes the final test of a good healthcare and that the company is reputable. There are many individuals who thrive on the fact that not many people will make an informed decision when it comes to purchasing long-term health insurance. So be sure to read the fine print and find out everything you can about the policy before committing to a company and a long-term healthcare and insurance plan.

Should you still have a lot of questions about the Ultimate Kaiser Health Builder plan or you are now ready to get started, click here:

Here’s to your good health, great wealth and wonderful future.

6 Tips for Managing Your Money Wisely

Wise money management is essential for a balanced, happy life. Financial stress resulting from poor money management skills can affect our capacity to make good decisions, harm our relationships, affect our physical and mental health, and ultimately to function well in life. It is no exaggeration to say that poor money management breaks up marriages and breaks down hope. Yet, money management is one skill which we can learn so easily. Even if our financial problems are largely the result of just not earning enough income, good money management skills can greatly reduce the stress of these circumstances and provide us a bit more mental room to focus on solutions.

Now here are six tips for managing your money wisely, which, if applied, will improve the overall quality of your life:

  1. KNOW WHERE YOUR MONEY IS GOING. It is important to stop the financial leakage. We all know what it is like to have our money dribbling away one coin or one note at a time. It is important to pay attention to our spending. It can be very helpful to record all expenditure for a set period of time just so you know where your money is going. At least, do try this for a month even with just a small notebook where you list down every single centavo you spend. Prepare to be shocked. Most people have no idea how much money is being lost to unnecessary expenses. You see, from the list you’ve made, you may now identify those expenses that are most often than not are just wants and not really needs. So once you know where your money is going, you can curtail those unnecessary expenses especially on your wants and you’ll know that you can now find a way to live below your means and start having some extra money you can use to increase your cashflow.
  2. DESIGN A BUDGET THAT WORKS FOR YOU AND STICK TO IT. You can design your own or get a free budgeting form off the internet. Make sure that at least some of your money goes to debt reduction and savings. Create a budget that will meet your financial obligations. If you have to cut down on certain expenditures to live within your budget then by all means, do so. Once you remove the stress of financial insufficiency through good money management, you will find that you are able to improve your financial circumstances gradually. This is next to impossible when you are overspending.
  3. PAY YOURSELF FIRST. Treat yourself as your most important creditor. Determine an amount that can be saved weekly, fortnightly or monthly for long term purposes and emergencies and save it regardless. Somehow, we always manage to find the money for paying our monthly bills for the rent, electricity, water, phone and etc. So decide to find the money too for savings. Better yet, make it a habit to first save 20% or more of the money you get before you spend the rest to pay for your bills and other expenses every month. This money management decision is certainly life changing as over time it will lead you to financial independence.
  4. AUTOMATE YOUR PAYMENTS. When things get stressful and we become overwhelmed with financial worries, our financial affairs can get out of control very quickly. Internet banking can solve a lot of this problem. Nowadays, most banks offer online or mobile banking. So, why not take advantge of this? If a part of your problem is that your income is inadequate, then automate some or most of your payments. In doing this, you’ll have financial discipline that helps release the stress of having to find the money for a lot of different payments. Now, you may still be short one or two payments but you’ll find that it is easier to look for a solution for one or two payments as opposed to six or seven. So effectively, automating your payments really saves you time and stress and helps you to take control of your financial affairs.
  5. PAY OFF OR CONSOLIDATE DEBTS. Nowadays, it’s really so easy and convenient to borrow money for just about anything. But remember, all debts need to be paid with interest. Once in debt, we have money working against us and it’s not what we really want. It’s best to have our debts fully paid once and for all. But if we can not do it just yet, then why not consolidate your loans? If you are able to consolidate a number of debts into one loan at the lowest possible interest rate, your monthly expenditure will decrease, sometimes by a lot. If you own your own home, you will be able to get a home equity loan at comparatively low interest, which is a better option than a personal loan.
  6. USE MONEY FOR THINGS OF LASTING VALUE. So much money is spent on items that have no lasting value and give no lasting pleasure. Many of this spending is at the expense of those things that actually do matter and will really benefit us in the long run. So the next time you get money to spend, why not use it to buy your short and long-term healthcare and your life protection? Why not use it to build your emergency fund, educational fund and retirement fund? You may want to use your money to also grow your wealth through investment in stocks, mutual funds and real estate. You see, if you want to feel a lot happier, fulfilled and at peace with yourself, then start using your money for things that has a lot more value that really matters for you.

Using these money management tips can greatly improve the quality of your life. These money management tips can actually help you take back control of your finances, reduce your stress, inrease your savings and make better long-term decisions regarding your personal finances. So if you’re really serious and you find these things important to you, I invite you you to take a look and join us at IMG or International Marketing group. As a member of IMG, you’ll be able to attend for free all the trainings you need in the area of financial management. I assure you you’ll find it so simple and yet so powerful.

IMG also offers a workshop called Financial Foundation Educational Program which is a Global Campaign for Financial Literacy. With this Financial Foundation Education Program, you will learn how to:

  • Make money work better for you
  • Find and save more money
  • Understand investments and build wealth
  • Protect and preserve your money.
  • You can become your own Money Manager.

I’m really excited for you to know all these and be able to apply it in your life. Because when you do, you’ll surely be in control of your future and become your own money manager.

Here’s rooting for you moving to a secured and strong financial future.

How to Accelerate Your Success

Photo by Min An from Pexels

As I’ve worked my way through this life, one thing I’ve learned quickly is that you can not do it all alone. Oh yes, you can try, but chances are there’s no way you’ll make it pass the P1 million mark on your own.

In my experience, I’d say you need a team. You need mentors and the right people in your corner. I know that my arrogant younger self before thought I could do it all by myself. And that’s how I made so many mistakes hitting wall after wall.

The truth is, I could have just reached out to someone, sucked up my ego and humbled myself. And guess what? If I did just that, I would probably be 10x further than where I am now. So please. Don’t be afraid to reach out for help. Don’t be arrogant and think you can do it all by yourself.. You do need a team. You need mentors who can guide you in your journey to success. You need a system that will run your business. When you have all these, wealth and success will be inevitable. These are your keys to the big time in creating your fortune and it will surely change your life.

You can start with yourself. Do the work. Make money. Scale that by having one team mate. . . then another team mate. . . then another…and guess what? Now, you’ve got a team of 1,000 people making you P10 million a year.

All you’ve got to do is start now. Start small. Then go big. Build your awesome team and get mentors around you to help you with your system. And finally, you can have your system run your business.

So you see? I’m not self-made. I’m team made. And I’m God -made.

Let me know what your biggest hurdle or help you need. I might be able to help. I’ll be happy to welcome you to my team at IMG (International Marketing Group). We always hear this: the rich get richer. At IMG, we believe that the average people have the right to become wealthy with the right information. Our task is pretty big: to spread financial education to the world. And that’s how our crusade was born. Surely, there’s always the question of doubt. This might discourage you. So it’s really important that you stick to your beliefs, carry out your passion and fulfill your mission.

Indeed, you have to believe in what you do.

How to Live a Debt-Free Life in 12 Months or Less

I know it’s almost the norm today for everybody to have debts. Now, what is debt? Debt is any money you owe anyone for anything. It maybe in the form of money, favor, or gratitude. In the Philippines, many companies, banks and financial institutions make it so easy and convenient for people to borrow money. So why bother to be debt free? Well, it’s because I believe it’s better to live a debt-free life. Why?

For me, there are six (6) worthy reasons for wanting to be debt free.

  1. I want to own 100% of my income and assets. Come to think of it. When you have debts, you don’t really own 100% of your income and assets. Everyone to whom you are indebted with will have a certain percentage share of your income. Maybe it’s 20% or 30% of your income that goes to your debtor. So if you work the whole week from Mondays to Fridays, it’s very likely that you’d only be able to get your income for Mondays to Wednesdays and the Thursdays and Fridays will most probably go to the person to whom you owe some money. Now if you’re unable to pay your debtors, they’d probably get some of your assets or things you own that they think have some value.
  2. Debts are crazy stupid expensive. Always remember and never forget that all debts come with interest that needs to be paid and that interest is a passive income for your debtor but not for you. Isn’t that stupid? Isn’t that crazy? Yes, if there’s what we call passive income, there’s also passive expense. Surely, we don’t want to have something working against us especially while we sleep at night.
  3. Debt is the exact opposite of wealth. To get our net worth, we simply deduct our liabilities from our assets. And our debts form part of our liabilities. To know about our cash flow, we also get our income and deduct from it our expenses. And our debts incur us interest expense. Interest expense is really just the opposite of interest income so that what we have here is money working against us which is not what we want.So clearly, instead of growing our wealth, we are doing the exact opposite thing which I’m sure no one of us likes this.
  4. Debt is a disease. For any person, debt is like an illness that never goes away. It persists and never truly gets better until an action is taken. Just like having a disease or an illness, debt can cause you great suffering and pain especially when you now have trouble paying your bills and meeting your obligations in time.
  5. I want to Own 100% of my choices in life. Having debts would surely greatly affect your decisions in life. Just imagine if you have a home loan, car loan and credit card debts that takes 50% of your salary every month. Do you think you can leave the job you have now that makes you feel so stressed and miserable everyday? I don’t think so. But imagine if you don’t owe anything to anybody, do you think you can just go and leave your miserable job anytime? You bet. When you’re debt free, you certainly have full control of your life. It makes a lot easier to choose what you really want in life. Indeed, a lot of things get easier in life when you don’t have debts.
  6. I want to increase my financial security. Debt is a serious threat to your financial security and it keeps you from making the most of your money. What you spend on paying for your debts could have been saved for your emergency fund, long term health care, retirement fund and for your kids’ college education fund. Once you’re debt free, you can easily work your way towards becoming financially secure.

Now maybe you’re asking yourself this: When is debt okay? For me the answer is this: Only when it is a matter of life and death situation. When somebody in your family gets sick and you don’t have anymore medical or emergency fund left or that you’ve already exhausted all means of converting into cash all your available assets, then it’s okay to get a loan. After all, a human life is more precious than any other thing we possess.

You maybe asking also these questions: How about a home loan? How about a car loan? How about a business loan? My answer is this. Everyone gets these loans, right? Nope! You can live life debt free. According to a study made on the lives of millionaires, most bought second-hand cars. Most millionaires rented their apartments until they could afford to buy their own house in cash. Most millionaires have boot strapped business start-ups. As you can see, you don’t need to follow ‘everyone else’ out there.

Nowadays, it is actually our responsibility to raise the bar. Why? Bacause banks have lowered their standards. Banks want you to be buried in debt. You may have noticed that it’s getting easier and easier to get loans and credit cards approved these days. However, if you want to achieve your goals in life, I suggest you save up for it. Instead of being manipulated by the banks and credit cards to go for a loan and have what you want instantly, try practicing discipline and patience. That’s what adults should really do.

If we’re already in debt, how do we get out of it? Well, here’s the method I suggest that you do.

Step 1. Face the truth. I know that for most of us we’re in denial when it comes to our debt. But it really would be much easier to solve the problem if we can admit it to ourselves and face the hard truth. It’s best when you deal with the root of your problem – the attitudes and bad habits that led to indebtedness. When we’re able to face the hard truth, then we’ll be able to make the right decision on how best to solve and face the challenge we now have on hand. We may then start making a list of everything we owe – credit cards, personal loans, car loans, home loan, business loan, cash advance, paluwagan, 5-6, pawnshop, friends and family. It’s easy to forget all these especially when there are already so many.

Step 2. Decide you want to get out of debt. You must really come to a day when you have to decide you will get out of debt. Before that day comes, you may ask yourself these questions: Are you disgusted with your situation? Are you having nightmares over your debts? Can you still walk tall with your head held high? Are you afraid of going out knowing you might bump into your creditor or debtor? If you are sick and tired of your lifestyle, then it’s time for you to say “Enough is enough. It’s time to be debt-free.”

Step 3. Determine priority of payment. To do this, you have to follow these rules:

Rule 1. Protect your 4 walls. Your 4 walls are food, shelter, clothing and transportation. You need not deprive yourself of these things since these are your basic necessities for survival. But everything beyond these 4 walls, you can let go.

Rule 2. List your debts from easiest to hardest. You may go with your gut here in determining which one is the easiest for you and then start from there. There’s no need to bother here with regards to the interest rate because what you’ll need here is just to get started. Of couse, it will vary from person to person but in most cases, the smallest loan is usually the easiest to get started with.

Step 4. Let the momentum work for you. This simply means that when you are done paying with the smallest or easiest loan, you simply use the “freed-up cash” to work on the next bigger loan. So for example, you have a credit card loan of Php150,00.00 and you pay this Php5,000.00 a month, once you have paid all of it, you add the Php5,000.00 freed-up cash to pay your car loan of say Php300,000.00 that you pay Php10,000 a month. So now, instead of just paying Php10,000.00 for your car loan, you now pay Php15,000.00 (Php10,000.00 + Php5,000.00). When you are done paying for the car loan, you then use the Php15,000.00 freed-up cash to pay now for your home loan of Php1,500,000.00 that you pay P15,000.00 a month. Here, instead of paying again just Php15,000.00 which is your monthly amortization for your home, you’re now going to add the Php15,000.00 freed-up cash (Php5,000.00 from the credit card + Php10,000.00 from the car loan) enabling you to make your home loan payments to Php30,000.00 already.

As you can see, by letting momentum work for you, it will become faster for you to be out of debt and be able to regain your income at the same time.

As a clarification here, depending on the loan type and the institution, the conditions for advance payment application may differ. For credit cards, you may be able to pay it off anytime. For credit institutions, you may need to call their customer support and ask for their billing first. And as for home loans, you may ask for re-computation.

What really matters is that you don’t have to over think this and instead just get started and deal with the specific loan at hand as you go on.

Step 5. Unlock the five (5) gates to debt Freedom. For you to become debt free, you only need to unlock these four gates:

a) Live below your means. The thing that you might want to take a look at here is your lifetyle. Chances are, you’re living way beyond your means which is why you have so much debt now. It might be a good thing to know how much you receive as income or salary and how much you’re spending every month. This way you can do a sensible budgeting of your money and avoid incurring more debts. I know it may be hard, but you have to find a way you can decrease your expenses. A simple way you can do this is to make a list of your everyday expenses and see which one is a need or just a want. More often than not, you can see here where you can decrease your expenses. It does makes sense to look at the ways you’re spending on a daily basis and you might want to evaluate this. See if they are really worth it and come up with ways you can minimize it or totally drop it.

b) Let go of under performing assets or liabilities. It might pay to take stock of your belongings. Why not empty your savings account? It might be better to empty your savings account to pay off your debts than to keep your savings and earn much less compared to what you would pay in additional interest expense. This is actually the best form of investment. Should your savings be not enough, you might want to look at what you have and start liquidating some of your assets. Most of the time, we have so many stuffs accumulated over the years that we don’t have much use of or we just don’t need it. Being in debt makes you actually realize that you can not afford most of the things you have. Why not sell those stuff instead and use it to fund your debt payment scheme. Just be grateful for whatever you have and let it go. Remember, every centavo counts.

c) Increase your cash flow If you really want to eliminate your debt faster, it may be better if you can find ways not just to decrease your expenses but to augment your current income with a side or part-time job you can do on your days off from your regular job. Find something you’ll enjoy doing either offline or online. This way, you’ll have some extra cash you can use to pay off your debt. You might want to take a look at the business opportunity we have in IMG. There’s really a whole new world you can explore and experience in IMG (International Marketing Group) which I’m sure will dramatically help your journey towards financial freedom much faster and enjoyable.

d) Raise ‘Trust-Love Capital’. This is essentially asking help from your family and friends to raise money you can use without interest. It’s important that you be upfront and sincere when you lay down your plan on how you’re going to tackle and eliminate your debt.

e) Use cash or debit cards only. One way to remove the temptation of overspending and getting into debt is to use only your available cash on hand or your debit card which has your budget for the week or the period you intend to use it. Give yourself an allowance that minimizes the amount you will have to spend but allows you enough cash for any necessary expenses. Give yourself some extra money as emergency fund of maybe Php150.00 to Php300.00 which you can spend for unforeseen necessities like having a big hole in your pantyhose in the middle of the workday

As a caution here, there are usually five (5) mistakes that you need to avoid if you want your life to be debt free:

I think getting out of debt may be one of the hardest things to do. It surely takes a lot of time and effort. But I must say you must persevere. You see, you can never be free until you are debt free. So can you do this? Of course, you can do this. I’m rooting for you. It’s time to get full control of your finances and your life. You’re going to be proud of who you become in the process of becoming debt free. So go ahead and start your journey to a debt free life.

Wealth is a choice. Let’s choose to be wealthy.


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What is the IMG Business?

In more or less five years from now, I am planning to retire from employment already. I know everyone of us have our own concept of retirement. We may be planning to conclude our life in the workplace to be able to do what we really want. For most of us, when retirement comes, income stops but expenses won’t. With this in mind, I kept my eyes open for opportunities out there which I can start on the side while I’m still working from 8 a.m. – 5 p.m. every week from Monday to Friday. What I had in mind is that even if I stop working when I retire, my source of income should never stop. So I know my need is to learn how I can create, handle, grow and protect my wealth. In my search for the solution for my need, that’s when I found the International Marketing Group or IMG.  

I found out that IMG is both a Business and a Mission. I specially got inspired by the TRAINERS CREDO that IMG Members declare. The Business is about being a Trainer and Training Trainers! Now even before I found out about IMG, I had already been always fascinated by the finance world. I’d even volunteer to advise my friends when it come to their finances. That is why it became so clear to me that I finally found my purpose in life.

IMG Business is a Business that is so Simple and Doable that anyone, of any age, training, background, or level of education can do! So what exactly is IMG? IMG is a new concept in the financial industry that assists people who want to help themselves in building their financial foundation. IMG is one of the Biggest and Fastest Growing company in the Philippines that has expanded globally throughout the years with its presence in different cities in in the different countries in the world which includes, Singapore, Taiwan, Hong Kong, Macau, Dubai, Rome, Milan and etc. Yes, you can reach IMG anywhere in the world.

IMG’s vision is to Build a new Financial Industry, where everyone is able to earn what the wealthy are earning by bringing the secrets of the wealthy to all. And it’s mission is to help create wealth for families, to make a difference for families so there will be No family left behind. IMG help people Move from Dreaming to Doing. IMG bring life-changing financial concepts and solutions to middle income individuals and families who are overlooked by the financial industry.

In IMG, I became my own broker for my own financial service’s needs. It is my OWN business. I am not an employee. I don’t have a boss. No Time Cards, No Quota! I can do it anywhere, offline and onlineI became a real ENTREPRENEUR!  I have a business aligned to my passion and competency: training people, helping people help themselves and keeping families together. Not only did IMG solve my financial problems but it helped me solve many other people’s financial problems,too. In joining IMG, there’s practically no risk and the business investment is so small. And yet, the best thing about this business is I earn by helping others to save and invest properly! As a bonus, I get to travel to many places and I earn passive income as well!

The best thing about IMG is that it’s a business I can do offline and online no matter what the condition of the economy is. Yes, the IMG is a business that we can do whether the economy is good or bad, whether we’re having crisis or not. It’s a business that can thrive anywhere, anytime. And more importantly it’s a Business My Children Can Inherit. A True Business that is Built to Last and can be my Legacy!

I got into this money business by buying my own financial services needs from myself. I did not have inventories of products to worry about. Nothing can be spoiled nor pilfered. When IMG or the International Marketing Group introduced to me the concepts of proper money management and investing, I was also given the option to be the broker for my own financial needs.  That was the business offer. That was “why” I joined and became part of the IMG Business. I am empowered to DIY (Do It Yourself). I simply by-pass the middle-man or the agent for I am the broker dealer myself.

At first, I didn’t treat this as a serious business. In the onset, I also did not see the immense size of this business! I only finally saw the immensity of this business when I attended IMG’s convention in Malaysia where there were thousands of people who attended from all over the world. In that convention, I met ordinary people who shared their success stories in the business. It inspired me and opened up my mind to do more for this business. But what really is this IMG business? 

IMG is a financial distribution company. As a business owner using the IMG System, I am an independent representative of a One-Stop-Shop of Financial Services. I represent various companies in different fields of services:  the top 5 Mutual Fund Companies (Soldivo, PhilEquity, SunLife Financial, ATRAM, PAMI), the top 5 Real Estate Development companies (Ayala, SMDC, DMCI, VistaLand, MegaWorld), and many other refutable and solid companies. I act like a broker dealer of all the financial services companies that were accredited by IMG so I earn the commissions myself for all my financial needs and for my family and friends financial needs as well. My broker for Mutual Funds is Rampver Financials. I have in-house brokers for the Philippines Top non-life insurance, and real property companies. I also have access to direct stock buying and selling through MyTrade On-Line Apps of Abacus Securities Corporation ( It is one of the leading stock brokerage houses in the Philippines.

I know it really depends on me on how big I want my business to be. And my coaches are always ready to help me become successful. I do not earn by recruiting like what other network businesses do. I do not personally handle the investments. I just simply share objectively to my family and friends the advantages and disadvantages of each of the investment vehicles. I point them to what companies they can get into. I educate myself and pass on the knowledge to my family and friends. I share my own investment experience, what I do, and what I have achieved. I just share my own experience on the companies that were scrutinized, studied, and accredited by IMG.  I let the client decide. With IMG, I do an objective assessment of products, and services. I am able to do this as I am not beholden to any single company. What I do is offer what is best to the client. I simply provide Financial Education and sound Financial Check-up.

With my IMG business, I earn from my own safe and correct investments. I earn from building my business all over the Philippines, all over Asia, and all over the WORLD. What I earn in business is combined active and passive income. I earn passive income generated by my properly guided and solidly funded investments. In time, I can retire knowing that my inome never stops.

On my point of view, I consider my IMG Business not just as a financial services distribution business but a business of changing people’s lives. And I earn by helping others properly save and invest. I love this business for it is actually a business of love and hope. When I executed my financial strategies that IMG has coached me to do, I actually made sure that whatever happens, my family will survive because I love them. And hopefully, my family will live their life knowing I did all I can because of my love for them.

Now the most amazing thing about this business is that whether you as a members do or not do the business, you can enjoy many of the exclusive Membership Benefits for a one-time life-time Membership Fee of Five Thousand Five Hundred Pesos (P5,500.00) Only which includes already an Initial Investment of P1,000.00 on SOLDIVO MUTUAL FUNDS. The Membership Benefits are far more in value versus the amount of money you put into the business as IMG Member. With that amount you become broker dealer for your own needs. You start with your own proper saving and investing. What surprised me even more is that, even with just my own financial needs, I could already recover my capital. So actually, it was a “no brainer” decision making for me to dive into the IMG business! I now have a passive income that answers for my retirement needs. Since I also love myself, I made sure that I invest properly and safely for my future. In doing all these financial strategies, I earn my own commissions from my own needs. My very own love needs. And since I care and love my extended family and friends, I simply share what I do to all of them.  

As you may have realized now, that is really how simple the IMG business is. It’s just about love and hope. The IMG business is truly an OPPORTUNITY of a Lifetime. You can do this business whether the economy is good or not. When people don’t have money and are financially burdened, they need us. They need to be Financially Educated and given the Business Opportunity to earn additional income. On the other hand, when the economy is good and people have a lot money, they need to learn how to handle their finances. They need to know the proper way of Building a Solid Financial Foundation. They need to Learn How To Invest Correctly.

If like me you’re looking for a business you can do on the side or you want a business you can do full time, I suggest you take a look at this business and see for yourself. I know you’d be happy like I am when I found this opportunity of a lifetime – the IMG business.

How to Invest in Your Future

I know you’re serious in wanting to deliberately create your life by choice and I’d like to share with you here a few tips on how you can get started on this especially with regards to your financial situation.

Here’s the good news. Whatever situation you are in right now, you can make a change. You can go from being broke to being blessed and having all the money you want and need . You can reduce your bad debts or totally eliminate your debts and be debt-free. You can invest in your future and learn to make your money grow and work for you instead of you working for the money. You can make the change starting right now. You can start to change your life literally today. How? By changing your mind. By changing your attitude.

One thing that is common among highly successful people from all over the world is the way they think. They think rich and, therefore, they grow rich. Yes, this may sound familiar to you especially if you have read Napoleon Hill’s classic book, Think and Grow Rich.

Maybe, now that you’ve gone this far, it’s time you apply what you learned. So here are a few tips to help you get started on deliberately creating the life you want:

  1. Write down your financial goal. It is important that you have your financial goal written down in black and white. If you haven’t written it down, what you have is only wishful thinking and you haven’t really any serious thought about it. When you write down your financial goals, you begin to see a clear picture of what you really want and begin to set strategies on how you can achieve it. After writing down you goals, remember to read it everyday and your mind will begin to be focused on doing that which you want to happen in your life. Surely, things will begin to fall into place and you’ll be able to achieve your goal in no time at all.
  2. Increase your cash flow. Do make as much money as you can, while you can. Indeed, have multiple sources of income. While working on your regular job, it’s highly recommended that you start working on a side-job or building a part-time business to have more cash you can save and invest for your future. If you think you don’t have time for this with your hands being full already, then you may just start analysing your expenses and start cutting those unnecessary expenses you have spent for the wants and not the needs of the family. Remember, it’s not how much money you earn but how much money you keep. So, at least, set aside 20% of your income to save and invest for your future.
  3. Have the right healthcare and have proper life protection. A study made in the Philippines showed that a lot of people get sick and die not because there is no medicine or treatment available but because they don’t have money to pay for these costs. Ensure proper protection against loss of income and also protect your family assets. So while you are still building your wealth, remember to get yourself a healthcare and a life insurance to give your family peace of mind.
  4. It’s important that you are able to pay your debts if not manage it so you can eliminate it at the soonest possible time. Having debts, especially bad debts, is having money work against you.
  5. Invest and build your wealth. Don’t just keep your money. Invest it and make it grow. Let your money work for you so you will not work for money in your lifetime. When you invest, you are able to outpace inflation as well as minimize taxation.
  6. Protect your wealth. After all the hard work you do to build your wealth, remember to protect it. Do preserve your estate , maintain privacy and limit probate costs.

Okey, so what to do next? Take action! Secure your Future now!

I know you will have a lot of excuses not to save or invest. But no matter what your excuse is, one thing is for sure: you will get older next year, your child will grow up and enter college and you would need money for his or her education, you will eventually retire and stop making active income and so on.

You have to be prepared for these kinds of situations. To make it easy for yourself, be with a group who inspires you to save and invest so that you can really be able to build your wealth.

At IMG, you can join a community of like-minded people who invest in their financial education. If you’re interested, check this out:

I do wish you all the success in life, especially when it comes to your finances so you could start to be a blessing to your family and friends.

Be happy! Be wealthy!


Is There A Need To Save And Invest?

Have you ever asked yourself this question.  “I’ve been working hard all my life but I wasn’t able to save or invest in anything. Where did my money go?” If you have,  maybe it’s time you look into the formula you use in saving so you can invest and don’t miss out on opportunities to increase your financial worth. 

Here’s the formula for saving the wrong way:


As Warren Buffet, one of the wealthiest men in the world, says, “Don’t save what is left after spending; spend what is left after saving.” This simply means that you should pay yourself first. Following this, the correct formula for saving is:


As you can see, the formula says that you need to save first before you spend your money.  However, there’s an even better formula that goes like this:


Tithe is the money you give to the church or an organization that nurtures your spiritual growth. And as a guide, this tithe should be no less than 10% of your income. However, you may adjust and increase this percentage according to your preference or capacity.

The savings that you should set aside as payment for yourself if possible should be 20% or more. You may treat it like a bill that you must pay first. It only makes sense to pay yourself first before you pay other people’s bills, right? You and your family’s well-being are more important than your other bills you have to pay.

Both spending and saving are habits we have developed over the years.  Imagine if you could make small changes in these habits. Say, spending P20.00 less on cellphone load so you could save P20.00 more in a day.  Now, that’s P600.00 in a month. This P600.00 savings a month can turn into P894,214.00 in 30 years at 8% interest annually. As you can see, a little sacrifice can reap great rewards and benefits in the future. So, it’s not really how much you earn that counts but how much you keep.

As you may have noticed, time is money. The sooner you save, the better for your future.  So it is really best and to your advantage when you do not procrastinate because the cost of waiting is very high. Unfortunately, when people are young, they tend to delay saving thinking they still have a lot of time.

The truth is, you do have two options:

  1. Save now and enjoy later.
  2. Spend now and suffer later.

Indeed, building a solid financial foundation takes time. Get rich quick schemes, hot stocks and rising real estate markets can sound appealing but one wrong pick can set you back big time from your financial goals.

In order to build your wealth, you will want to invest your money in vehicles that have the potential to earn strong rates of return. Now, investing is not gambling. Of course, you have the potential to lose your money in investments, but if you invest wisely, the potential to gain money is higher than if you never invest. You do have to understand how money works, have a plan, and stay disciplined with your action plan until you reach your goal.

Here are just a few reasons why you should save and invest your money:

  1. To keep up with inflation. If you do nothing with your money, your purchasing power will diminish. So investing your money allows you to keep pace with inflation.
  2. To earn higher returns. In order to grow your money, you need to place it where it can earn a higher rate of return. And investment vehicles tend to offer the opportunity to earn higher rates of return than savings accounts.
  3. To grow your money.  When you invest your money in stocks, mutual funds, uitf, certificates of deposit, bonds, treasury bills and etc., you get much higher returns that allow your money to grow, thereby, creating wealth overtime. 
  4. To save for retirement. As you are working, you should be saving money already for your retirement and put this into a portfolio of investments such as stocks, bonds, mutual funds, real estate, businesses and etc. Then, at retirement age, you can live off funds earned from these investments. While still young, you may want to invest that involves greater risk as this increases your chances of earning greater wealth. As you get older, it may be wiser to invest more in conservative ones since you are nearing retirement age already.

Indeed, saving is not enough. You have to save the right way and invest it to grow your wealth and make a difference in your life, in the lives of your family members and in the lives of the people around you. 

If you’re ready to learn how you can manage your money in a reasonable way and be empowered to build a solid financial foundation for you and your family, I highly encourage you to join  me and my team at International Marketing Group or IMG and be with a community of like-minded people who invest in their financial education. Just click the link below to start your journey to becoming a Millionaire: