IMG-Saving and Investing Tips

27/10/2022

R E T I R E M E N T

1. One day you will retire. You won't be going to work. You won’t have office power any more. No influence or at best, a reduced influence. Your cash flow will also reduce! Check retirement date on your payslip.

2. Always go for your 30days annual leave. Whatever you do during your leave, is what you will be doing when you retire. If all you do is to sleep or watch TV, then that’s what you are likely do do in your retirement. Remember the book of Proverbs. A little sleep and a little slumber, so shall your poverty multiply.
Watching Big Brother will not save you heartache in retirement. Learn a trade or a skill during your leave. It will come handy. Spend your after-office hours learning something. Don’t spend it sleeping, Gossiping, watching TV!! Same goes for your weekend. Make them productive. You will thank yourself for spending your time productively.

3. Invest for your retirement... your children are not retirement investment. Don’t bank on your children’s support or the support of friends or relations. That’s a BIG risk. It may not happen. Be ready to take care of yourself!! Everyone has his own responsibilities. They won’t be able to help you that much. You will also lose your dignity and respect if you adopt a life of begging.

4. Start a hobby early in your working days to take you along when you retire. Rearing chicken, farming or own a shop. Acquire marketable skills (not useless paper certificates), etc.

5. Where shall you retire. Build yourself a home. Don't retire and start to rent a house or refuse to vacate government house. You will be at the mercy of your landlord at a time when your cash flow is not only reduced but unpredictable!!

6. Who shall be your dependants. By the time you retire, your children should be above 18, and self reliant.

7. Don't retire and stay in a big city unless you can TRULY afford it. You can't continue living in a big city after 60 with limited financial resources. The language and the hustle will be hard for you. Where possible, Relocate to a less expensive town where your reduced take home (pension) can go further.

8. Have property which can be rented or converted into cash. Have shares that pay good dividends. Plant cash trees. Rear goats, cultivate vegetables etc. these activities will not only give you income but will also keep you healthy.

9. Live a simple life. If you never built a house at your rural home, dont use your retirement package to build. It is unwise unless you plan to live there on a permanent basis or you are super rich and therefore can afford the luxury. The choice is yours.

Note that many of retirees die early because of the following:

1. They are Not mentally prepared to retire.
2. Lack of finances
3. They Lapse into Depression
4. They develop Hypertension/ Diabetes because of worries, anxiety and uncertainty and financial pressures.

YOUR DESK AT YOUR WORK PLACE IS NOT PERMANENT. PLAN FOR YOUR RETIREMENT.

CTTO

09/09/2022

10 Commandments para dumami ang Pera

by: Chinkee Tan

05/08/2022

HUWAG MAGPANGGAP NA MAYAMAN KUNDI KAYA NG BULSA

by: Chinkee Tan

Paano natin ito magagawa?

LEARN TO WALK AWAY
Always and I mean ALWAYS ask yourself:

“May pera ba ako para dito?”
“Kakapusin ba ako pag binili ko ito?”
“Kapag siningil ako ngayon, may mailalabas ba ako?”

Kung negative ang sagot,
bitawan na ‘yan mga Ka-Chink!
Lason ‘yan sa ating wallet.
Umalis sa kinalalagyan o
pigilan ang sarili sa online shopping.

Huwag natin ipilit ang wala.

BE A BUDGETARIAN
Budgetarian?
‘Yan ba yung gulay lang ang kinakain?
Vegetarian yu’n!

Kung ang vegetarian ay gulay lang ang kinakain,
ang budgetarian naman,
disiplina lang ang kinakain at
dumadaloy sa sistema sa bawat perang inilalabas.

Up to the last centavo inililista!

Tubig, kuryente, ilaw - given na yu’n.
Pero ultimo pamasahe na P8.00
Chichirya na P5.00
Candy na P1.00
Walang pinalalagpas.

Sa ganitong paraan, mas nagiging
responsable sila sa pag-manage ng kanilang pera.

Nalalaman kung saan napupunta
kung tama ba ang pinag gamitan o ‘di kaya’y
may kailangan bang alisin o bawasan.

04/08/2022

Bakit nga ba maganda magkaroon ng Kaiser 3-in-1 Investment Product ang bawat miyembro ng pamilya lalo na yung mga bread winner?

✔Kapag hindi ka na employed at binawi na nung dati mong employer yung shorterm HMO mo, hindi ka magwo-worry kung maospital ka.

✔Kapag hindi mo nagamit ang Annual Health Care Coverage mo hindi sya nae-expire unlike short-term health care (HMO) na no refund ang premiums magamit mo man o hindi. Sa Kaiser mare-receive mo ang guaranteed Long-term Care Bonus (cash) sa maturity.

✔May kasama na syang life insurance for income replacement or protection para sa family just in case may nangyari sa policy holder.

✔Waived na ang payment kung may nangyari sa policy holder, means wala ng babayaran ang family kahit 1 year palang nakakainvest ang policy holder, ma transfer pa ang health care coverage sa beneficiary

✔Good as cash siya pagdating ng maturity, So pwede kang mag-withdraw gamit ang iyong visa card.

✔Covered ka kahit beyond 60 years old ka na, as long as you live at may funds ang iyong account!

Kaiser 3-in-1. May life insurance, health insurance at investment.
Gawan kita ng Kaiser Proposal?

Lower and higher Kaiser Plans are available depende sa iyong age.
Nasa abroad ka man o sa Pinas, pwedeng-pwede pa rin mag-apply.
Send us a message for more details.

04/08/2022

The Golden Rules for all Investors☺️❤️:

1. Make a lot of money as fast as you can
2. Invest Early
3. Invest Regularly over long term - Habit is better than skill
4 Know more - knowledge is Wealth

One of the Benefits of being IMG Member is lifetime Financial Education☺️❤️👉https://361095PH.imgcorp.com

14/05/2022

17/03/2022

GAANO BA KATATAG ANG IMG?

Ang ibang company nagsara, ang IMG bumili ng sariling building! 😱😍❤️ Isn't it amazing!

CONGRATULATIONS IMG!!! 🎉🍾🍷👏👏

Starting Today March 17, 2022
IMG Hub will begin its office transaction in its own Tower

Andto na din ang Kaiser at Manila Bankers Life 🤩

We're so Proud to be part of IMG CommUNITY who's celebrating its 20th year in Financial Industry! 💯

Join the community of savers, investors and entrepreneurs now :)

Credit to Coach Arnel Pablo

31/01/2022

𝗧𝗜𝗣𝗜𝗗 𝗟𝗜𝗙𝗘 𝗛𝗔𝗖𝗞

1.Bago pa sumahod yung asawa ko nakagawa na ako ng budget plan kaya pag ka bigay niya ng budget alam ko na kung saan ko ilalagay yung pera. Inuuna ko muna yung investment tsaka savings,bills,remittances,tapos yung matitira pagkasyahin sa budget sa bahay.

2.Meron po akong meal plan for dinner/breakfast tsaka pang baon ni panganay tsaka ni mister kaya alam ko na po ilalagay ko sa grocery list ko.

3.Everyday may gulay tsaka prutas nakahain sa mesa kaya hindi sakitin yung mga anak ko.Wala kaming vitamins kahit mga anak namin kaya gulay and fruits lang yung daily dose of vitamins namin.

4.Hindi din kami mahilig kumain sa labas.Mahilig ako gumawa ng homemade food pang stock sa freezer for monthly consumption katulad ng lumpiang gulay,shanghai,longganisa,siomai,wonton,gyoza,daing,tocino,tapa,embutido.Mahilig din akong gumawa ng mga homemade snacks siopao,buchi,pizza etc..Kumakain kami sa labas minsanan lang talaga,halimbawa gusto kumain ng chowking o kaya jollibee ginagaya ko na lang imbes na mag takeout (mahal po dito sa Middle East kahit fast food)

5.Wala kaming cable kasi hindi allowed yung mga anak namin manuod ng tv tsaka wala silang gadget.Meron silang screen time pero Thursday night tsaka Friday lang, pwede silang manuod ng movie o YouTube with supervision. Mahal din yung monthly subscription dito kaya yung pambayad namin sana pandagdag na lang sa grocery.

6.Yung bunso ko 2 years old imbes na formula fresh milk yung iniinom niya, mas mura tsaka mas healthy kasi less sugar siya tsaka malakas din siya kumain ng rice, gulay, isda, meat tska fruits. Hindi din sila umiinom ng soft drinks kaya yung baon ng panganay ko either fresh juice o kaya'y tubig lang. Pag binigyan namin ng pera hinuhulog niya sa alkansiya niya.

7.Araw araw ako nagluluto pambaon ni mister tsaka ni panganay kaya mas tipid kasi si mister hindi na gumagastos pag nasa trabaho.

8.Wala kaming bisyo, yung asawa ko kahit sigarilyo o inom occasionally wala.

9.Si mister pag may gusto siyang bilhin kahit may extra siya na cash o kaya'y bagong sahod hindi siya bibili,gagawin niya mag iipon siya ng ilang buwan hanggang sa makumpleto niya ang amount bago niya bilhin ang isang bagay.

10.We practice minimalism.

11.Mahilig ako mag recycle ng mga leftovers na pagkain. Tsaka DIY ng konti.

12.Wants vs needs palagi.

13.May credit card kami pareho pero hindi namin ginagamit kasi pareho kaming takot😂 ginagamit lang pambili ng flight tickets pero bayad agad. Mas ok kasi online mag pa book ng ticket.

14.Hindi ako nagpupunta sa salon, ako din naglilinis ng kuko ko. Yung mga hilig ko kasi gardening, cooking, baking, DIY, mahilig din ako manahi minsan kahit di ako masyado marunong😁yun lang talaga yung stress reliever ko.

15.Kahit sa Middle East kami mahilig ako magtanim ng gulay, container gardening kasi limited yung space dito.

16.Dati mahilig ako mag shopping pero nung napasali ako dito hindi na ako bumibili ng gamit unless may okasyon tapos reregaluhan ako ni mister.

17.Hindi ako nagpupunta sa gym, nanunuod ako sa YouTube ng mga work out ginagaya ko lang, bumili lang ako ng dumbbells😬

18.Hindi na din namin hinahayaan na maging spoiled at bilmoko yung mga anak namin kaya sa mall o sa grocery walang iyakan kasi sa bahay pa lang kinakausap na namin sila.Halimbawa sa grocery allowed sila bumili ng sweets o chips kasi once a week lang naman pero dapat isa lang either sweets o chips o wala talaga😁 tska less toys lang sila.

19.Nagluluto ako ng request nila na pagkain pero pag may nakahain sa mesa na ayaw nila hindi ako mag aadjust, kakain sila Kung anu yung nakahain sa mesa kahit gulay pa yan o sinabawang isda.

20.Hindi din kami mahilig makipag barkada. Minimalist kami kahit sa friends namin.

21.Hindi kami mahilig bumili ng mga abubot sa bahay para madaling linisin at hindi masakit sa mata. Less clutter. Less is more ika nga. Mas maganda yung maaliwalas yung bahay.

22.Hindi din kami mahilig bumili ng gadget. Ilang years pa yan bago kami magpalit ng cellphone😁

23. Hitsura ng fridge namin tuwing grocery day. More on fruits po tsaka gulay.

©Mae Jareos Gamboa

29/01/2022

Here are the top 10 tips that can help you to become a successful breadwinner💯💯💯

Photo Illustrated by: GrowBrightJuan

26/01/2022

Hindi tayo forever bata.
Tumatanda tayo taon taon.
Palapit nang palapit tayo sa retirement.

Let us not ignore the fact that on our retirement the income stops but the expenses go on and on.

for your future.

Ctto

12/01/2022

GOOD NEWS!!!

Pwede ka na mag-ipon ng pang college ng anak mo via Mutual Funds for only P1000 pesos and can top up of minimum investment of P20 pesos anytime and anywhere.

Ano pang hinihintay, kayang kaya!

TANDAAN: Aral muna bago invest, dahil ang pamumuhunan at pag iinvest ay hindi mabilisan.

12/01/2022

Why is Kaiser the BEST Health Care Insurance?
It's a 3 in 1 Savings Plan. It has Healthcare, Life Insurance & Investment.

How it works?

✔ The Health Care Benefit can be used lifetime even if you're 60 years old and above.

✔ 85% of the contract price will be given at the maturity date if Kaiser Long Term Care is NOT USED during the 7 years paying period. (LONG TERM CARE BONUS)

✔ Life Insurance or Instant Money will be given to the beneficiary incase the plan holder dies too soon.

✔ Waiver of Installment due to Death. Automatic, the Kaiser Plan is fully paid even if the plan holder just paid 1 year and the health care coverage will be transferred to the beneficiary.

✔ Portion of the fund is invested in Mutual Funds.

✔ On the maturity date, it is GOOD AS CASH. If you wish not to withdraw everything, remaining balance will continue to grow earning 10% interest compounded annually.

• Who can avail this Kaiser LTC? - Ages 10 to 60 years old only.

If you don't want to give a burden to your family either cases YOU DIE TOO SOON or LIVE TOO LONG, then prepare it now.

Start your Kaiser 3in1 Long Term Healthcare.
MESSAGE US for more details and free quotation! 📩

*Lower & Higher Plan Type are available.*