Category Archives: Financial Seminar

Financial Literacy FAQ

What do we teach non-members in our free financial seminars?

We generally teach concepts to non-members in the free financial seminars. We teach them the value of simple living, investing early and the power of small repeated actions. We teach them about BENEFITS (what product features do for people) and why financial products are necessary.

We make saving, investing and insurance understandable to the layman because we don’t bamboozle attendees (yet) with technical terms.

What do we teach in our free financial workshops?

We have five workshops:

  1. Increasing cashflow and debt management
  2. Building a solid financial foundation and proper protection
  3. Building wealth.
  4. Preserving wealth.
  5. Entrepreneurship

The most common comment in the seminars and workshops is that they finally understand the concepts of saving and investing.

IMG Membership Banefits

IMG Membership Benefits can be grouped into four classes: (1) financial literacy, (2) access to financial solutions, (3) discounts on products and services, and (4) business in the financial industry.

What do we teach members?

Members have at least 18 member benefits, including eligibility to attend technical product training, conducted by licensed representatives/trainers of our partners. Partner companies teach members about the FEATURES (features is about the product)

For example:

  • Our insurance product training is handled by Philam.
  • Our mutual fund product training is handled by Rampver Financials.
  • Our Kaiser Long Term/Short Term product training is handled by Kaiser International Healthgroup.
  • Our real estate training is handled by DMCI, SMDC, Ayala Land and Vista Land, etc.etc

We also have special investment seminars, conducted by the most respected names in the financial industry

What do we teach partners?

Partners are members who want to do the IMG business.

We have twice a week partners training, to educate partners about the IMG mission, about membership benefits, and how to build a big business in the financial industry.

We have three big events every year, two international conventions plus the annual Convention of Champions. The Convention of Champions is usually a two-day event, a training day, and a gala night where IMG honors and recognizes its champions for the past twelve months.

Look at Everything as Training

IMG is on a mission to help 1M Filipino families achieve financial freedom through education by 2020.

We have the best good-hearted mentors, like Joen delas Penas, Noel Arandilla, Bart Borja, and Rex Mendoza,  to inspire and provide directions in this mission.

But Brother Bo Sanchez is perhaps our most inspiring mentor, who “pushes” us to excel and be the best we can be, so that we can be blessings to more people. In our 2015 RISE Convention, he started by saying “Jesus was a businessman!”

He noted that Jesus

  • spend 17 years as a businessman/entrepreneur,
  • spent only only 3 years in preaching, healing and driving out demons.
  • was an apprentice carpenter at age 13
  • apart from his trade, did accounting, collected payments, entertained customer complaints

Jesus sanctified business! Look at everything as training!

He told IMG members:

  • “Your service, your product, is the financial freedom, and financial well-being of your customers.”
  • “Go out there with pride, go out there with joy. There’s nothing to be ashamed of.”
  • “You do not win the battle in the battlefield.”
  • “You win the battle, before the battle begins.”

Bo Sanchez related the story of David and Goliath. David said:
“I fought and defeated the bear and the lion when I was the shepherd.”

David saw the bear and the lion as training.

Bo added:
Look at everything as training! You are facing your lion, you are facing your bear right now. If you see this as training, and you endure, and you persevere, and you don’t give up, it is training you because the Goliath is coming.

And when you defeat the lion and the bear right now, you will have all that you need to defeat the Goliath. And when you defeat the Goliath, you are going to become King.

“I fought and defeated the bear and the lion when I was the shepherd.
— David”

Bo Sanchez ended with two short messages

Always choose growth over money.
If you choose growth, the money will follow.
If you choose money, the growth will not follow.

Grow in your personal life
Grow in your intellectual life
Grow in your relational life
Grow in your spiritual life

Look at everything as training.

See everything as training because bigger things are going to happen in your life.

Live a fantastic life.

If you want to be a part of IMG:

  • to learn about financial concepts and strategies
  • to have access to hundreds of financial products
  • to save money on products, and your own financial transactions
  • to help family and friends learn about money
  • to learn and earn, while helping others

then we invite you to attend our membership orientation seminars:

In Quezon City (JIAO Bldg. Timog Ave cor Quezon Ave)

In Makati (World Center Bldg, Sen. Gil Puyat Ave, in front of Mapua)

In Las Pinas (Palm Square Bldg, Alabang-Zapote Road, beside Las Pinas City Hall, across PLDT)

In Sta Rosa Laguna (Mercury Bldg, Balibago Complex)

In Calamba (Margimel Bldg, National Highway cor Chipeco, Brgy Halang)

In Dasmarinas, Cavite (ALC Bldg, Camerino Drive)

Enjoy Your SSS Pension – P1,200 per month?

by Bobet Prudente

Imagine retiring, and getting a pension of P1,200 per month.

If you read the newspapers, you probably remember the President was in the headlines in early 2016, for vetoing a proposed law raising the pension of SSS retirees by P2,000 per month. He said doing so will bankrupt the SSS fund.

It was such a distressing news. SSS could not afford to raise the pension by P2,000?

Maximum Contribution for 30 years

I computed how much I’d get as pension when I turn 60. I was a senior manager for more than 30 years, and hence paid the maximum SSS contribution for 30 years. Therefore, I expect the highest possible pension for 30 years contribution.

And the number I got was….. (drum roll please) ….. P 9,900 per month!

What?

How could a highly paid employee, paying maximum contribution for 30 years, survive on P9,900 per month when he retires?

But that is NOT the sad part. P9,900 is for those who paid maximum. How about those who paid less?

What if you paid for only 10 years?

There are Filipinos who paid less, and contributed for 10 only years.

The minimum pension after paying 10 years is P1,200 per month!
Can you imagine living with a pension equivalent to P40 PER DAY?

The maximum pension after paying 10 years is P6,400 per month.

What if you paid for more years?

If you contributed:

  • for 10 years, your pension will be P1,200 – P6,400 per month.
  • for 15 years, your pension will be P1,200 – P6,400 per month. (same as 10 years!)
  • for 20 years, your pension will be P2,400 – P6,700 per month.
  • for 30 years. your pension will be P2,400 – P9,900 per month.
  • for 40 years, your pension will be P2,400 – P13,100 per month.
  • for 45 years, your pension will be P2,400 – P14,700 per month.
Maximum SSS Pension after 20 Years of Contribution : P6,700

After contributing the maximum SSS premiums for 20 years, you will be eligible to a maximum pension of P6,700

We must build our own retirement fund!

Obviously, we can’t depend on the government or the SSS to provide us enough during our retirement. We must take control of our future, and build our own retirement fund. Otherwise, we might be among those who will retire with a P1,200 pension, or if you contribute the maximum premium for 30 years, P9,900 per month.

Do we want to prepare for your retirement?
We must take control of our future, so we will not retire dirt-poor.

Would you like to attend our free 1-hour “Building Your Future – Controlling Your Money” seminar in various locations, to get financial education?

After attending the Building Your Future seminar, you can attend workshops 1 to 4 at the
World Centre for FREE.

The third workshop is particularly interesting if you are planning to build your retirement fund.

Workshop #3. Building Wealth. Asset Accumulation.

  • Wealth Formula.
  • The Hidden Cost of Waiting.
  • The Rule of 72. Understanding Interest.
  • Peso Cost Averaging.
  • Mutual Funds.
  • Passive vs. Active Management.
  • Saving for your Children’s Education.

Plan to retire rich and retire happy!

p.s.
My wife Mary Ann and I conduct the “Building Your Future” financial seminars on Mondays at 2pm and 6pm in Quezon City.  Click here to register for our FREE seminar.

Bo Sanchez’ TrulyRichClub is better than Stock Market Seminar

Let me share with you why I think joining Bo Sanchez’ TrulyRichClub can (in some ways) be better than attending the live Bo Sanchez Stock Market seminar.

Bo Sanchez’ Stock Market seminar will be at least cover the following major topics:

  • theology of money
  • how simple it is to invest in the stock market
  • strategic averaging method
  • getting a stock market account

Bo Sanchez’s materials for these topics are available to all members of the TrulyRichClub.

Blessing #5 for members is the “How to be TrulyRich” seminar, which basically discussed Theology of Money: the ultimate purpose of being rich is to help bless others.

Blessing #10 is a free eBook “My Maid Invests in the Stock Market” which details how simple it is to invest in the stock market.

Day zero downloads for new members introduce the following:

  • Strategic Averaging Method
  • how to get a stock market account
  • how to use the Stocks Update Newsletter to guide you on what stocks to buy

Blessing #11 is the Stocks Update Newsletter

Day zero downloads also include a PDF and tutorial video on

  • how to get a stock market account

So actually, it is much better to join the TrulyRichClub (continued online mentoring) than attending the seminar.

It is like having a concert DVD you can play again and again, versus attending the actual concert.
Attending the Stock Market Seminar simply teaches you how to gain financial wealth through the Philippine stock market.  Joining the TrulyRichClub also teaches you how to gain spiritual abundance as well.

Members get 11 blessings:

  • Blessing #1 Receive 2 “PowerTalks” every month (instant access via MP3)
  • Blessing #2 Receive Bo’s “Success Mentors” Collection (1 every 3 months for 1 Year) — FREE
  • Blessing #3 Receive “WealthStrategies” newsletters every month — FREE
  • Blessing #4 Receive “Daily GodWhispers” Email — FREE
  • Blessing #5 Receive “How To Be Truly Rich Seminar” — FREE
  • Blessing #6 Receive “How To Conquer Your Goliath” Ebook — FREE
  • Blessing #7 Receive “How To Turn Thoughts Into Things” Ebook –FREE
  • Blessing #8 Earn Passive Income by being Bo’s Affiliate in the TrulyRichClub
  • Blessing #9 Earn Passive Income with Bo’s other Internet Work
  • Blessing #10 Receive The Very Practical Ebook, “My Maid Invests In The Stock Market…And Why You Should Too.” — FREE
  • Blessing #11 Receive “Stocks Update” newsletter — FREE

Note that the last blessing #11, the Stocks Update newsletter, also gives you stock tips on

  • what stocks/issues to buy,
  • how much to buy,
  • what stocks to sell,
  • how much to sell.

It is stock market investing made easy!

Listen to Bo Sanchez tell you how to join the TrulyRich Club!

Paano Nakalaya ang Isang OFW Mula Sa Barko at Umuwi sa Pamilya sa Pilipinas

I-share ko lang po sa inyo ang kwento ni Randy and Christy

Ako po ay isang OFW as a Seaman, Randy Cañete.

Randy and Christy Cañete

Meet Randy and Christy Cañete. Randy says: “Ako po ay isang OFW as a Seaman, Randy Cañete. At sa loob ng 16
na taon. Sa loob ng 16 years na paghihirap at pag titiis na malayo sa Pamilya para kumita ng pera….”

At sa loob ng 16 na taon. Sa loob ng 16 years na paghihirap at pag titiis na malayo sa Pamilya para kumita ng pera
….14 years duon ay walang naitabi
…walang naipon at walang investments na bubuhay sa akin at sa pamilya ko kung saka sakaling bigla akong mawawalan ng trabaho
… (mapaaway o nadisgrasya sa barko).Ito siguro sa kadahilanang nagbago ang aking lifestyle ganun din ang aking pamilya
…lumaki ang aking kita pero mas lumaki ang aking gastusin at bayarin dahil sa aking naging
Lifestyle
….Negative cashflow dahil sa “Instant Gratification.” Bili dito, bili duon,pasyal
dito, pasyal doun. Nakalimutan ko na ang”Delayed Gratification” at matutong mag-ipon at mag-Invest para malaguin ang aking Hard Earned Money na syang magpapaginhawa at buhuhay sa aking pamilya sa oras ng wala na kong trabaho.

Salamat sa Dios at sa aking masidhing kagustuhan na matutunan ang wastong Financial
Literacy na natutunan ko sa pagbabasa ng mga Financial Books, pag aattend ng mga Seminars at higit sa lahat sa Opportunity at importanteng kaalaman sa buhay at ispritwal na ibinahagi sa aming mag-asawa ni Bo Sanchez at ng International Marketing Group that really changed
my insights how to handle hard earned Money and make them that Money work hard for me and for my Family. It teaches me and my wife too how to be a good Entreprenuer.

ps: sa ngayon po ay nakalaya nako sa pagiging alipin sa barko dahil 3 years narin ako dito sa Pilipinas kumikita gaya din ng kinikita ko sa barko.

pps: Kasama ko na pamilya ko at napakasarap ang buhay na makitang lumalaki ang aking mga anak at nagagabayan sila ng maayos at may suportang “Moral”.

PPPS: Para marating mo ang isang bagay, It is Important to know where you are right now muna. Answering this FREE survey will help you and your Family’s Future –> https://goo.gl/WpHJlP

AVOID SCAM AND PYRAMIDING! BE FINANCIALLY LITERATE!

Meet Randy and Christy when they conduct our FREE “Saving Your Future” seminar on Practical Money Management Techniques, in Dasmarinas Cavite. Christy normally conducts the Friday sessions.

Mayroon ding seminar sa:

Save Early!

Si Aga Maaga, Inna Sakana, Pol Pahabol at Loi Tuloytuloy

Let me tell you the story of four college friends, who  became millionaires when they retired.

The first friend, Aga Maaga, immediately started saving at age 21. He began saving P2,000 per month and investing it at 12% per year. After six years, he had a mini-reunion with two of his friends.

Aga Maaga

Aga Maaga started saving early, and invested P24,000 a year at 12% per annum. He did this for 7 years.

He told his friends, “Wow! I saved only P24,000 per year for six years, for a total of P144,000. But thanks to the power of compounding, my accumulated balance is now P218,13! But I am getting married already, and I can’t afford to save anymore, so I will stop saving.”

His two friends, Inna Sakana and Pol Pahabol  said “Wow! We’re 27 years old already, but we want to start now! We will begin saving P2,000 per month too, and invest the savings at 12%”

The three friends met again six years later, and compared their portfolio.

All three friends saved P2,000 per month, or P24,000 per year for six years for a total of P144,000. But Aga Maaga already had P430,562 after 12 years, while both Inna Sakana and Pol Pahabol had P218,136, just like Aga Maaga six years earlier!

They noted Aga Maaga‘s investment was already P430,562, or almost twice their P218,136!

Inna Sakana said “I will also get married, and have to stop saving. Maybe my investment will grow like Aga Maaga

Aga Maaga, Inna Hulina and Pol Pahabol

Inna Hulina and Pol Pahabol copied Aga Maaga’s investment, but started 6 years later. They saved and invested P24,000 per year at 12% per annum for six years.

Pol Pahabol said, “I want to catch up with Aga Maaga, so I will keep on saving and investing, until my accumulated investments exceed Aga Maaga‘s”

The three friends met many years later, when they reached 60 years old. They compared their portfolios.

At age 60, Aga Maaga, after saving P144,000 from age 21 to 26, and waiting till age 60, had P10,283,493 in his portfolio. His money grew 71 times from age 21 to age 60!

At age 60, Inna Sakana, after saving P144,000 from age 27 to 32, and waiting till age 60, had P5,209,938 in his portfolio, about half of what Aga Maaga had! The only difference in their investment strategy, is that Inna Sakana began saving six years later!

After 40 years

After 40 years, Aga Maaga and Pol Pahabol both had P10M pesos. But Aga Maaga invested onyl P144,000 while Pol Pahabol invested P816,000!

Pol Pahabol observed that because he kept on saving and investing, his portfolio grew faster and through the years, he was slowly catching up with Aga Maaga. Finally, at age 59, he finally had more than Aga Maaga. At age 60, after saving P816,000 over 33 years from age 27 to 60, he had P10,335,924 in his portfolio, his money grew only 13 times compared to Aga’s 71 times!

Inna Sakana said “Hay naku, nakakainggit si Aga!  Pareho lang ang aming na-invest, pero nahuli lang ako ng 6 years, tapos P5M ang diperensiya, kalahati lang ang aking investment ikumpara sa kanya?  

Pol Pahabol said “Hay naku, ang hirap naman habulin ni Aga!  Grabe! He saved and invested P24,000 a year for only 6 years, or P144,000!  And I invested P24,000 a year for 33 years or P816,000!  Tapos halos pareho lang pala kami?”

Then their fourth friend, Loi Tuloytuloy joined them. He said, that like Aga Maaga, he started saving P2,000 per month or P24,000 per year at age 21. Like Pol Pahabol, he continued saving P24,000 per year until age 60.

At age 60, he had P20,619,417, or about the same amount as Aga Maaga and Pol Pahabol combined!

Loi Tuloytuloy

Loi Tuloytuloy just kept on investing P24,000 per year for 40 years. At 12% per annum, he had more than P20M by age 60!

Who is your role model? Who would you like to copy?
Si Loi Tuloytuloy?
Si Aga Maaga?
Si Pol Pahabol?
O si Inna Sakana?

We’d all like to be like Loi Tuloytuloy, and accumulate P20,619,417, but if not we should be like Aga Maaga, who started early!

Are you ready to start saving and investing? Are you ready to grow your wealth?

Save Your Future by learning Practical Money Management Techniques in our FREE seminars. Register early, there are limited slots available!   Click below to register for the FREE Financial Seminar in

Dalawang Kwento – Si Maid at si Shopping Girl

I-Share ko lang sa inyo ang dalawang kwento.
Alam ba ninyo?

Bo's Maid and OFW Wife

Dalawang Kwento – si Gina na maid ni Bo Sanchez at si Shopping Girl (OFW Wife?)

Bo Sanchez’ Maid Loves to Save and Invest!  Nagsimula siya in Feb 2010,

  • May monthly salary: P7,000
  • May monthly savings/investment: P 2,000

Ngayon,  after six years ( maid/bookkeeper na siya! )

  • May investment na siya sa stock market na worth P862,593 ( according to Bro, Bo Sanchez last May 2016)
  • Mas malaki na ang monthly investment niya rin!

Si OFW wife (imaginary person) natuto mag-WORKSHOP.
Si husband nagwo-WORK, si wife, nagsa-SHOP!

  • May monthly salary (from husband): P100,000
  • May monthly savings: ZERO
  • May monthly personal shopping budget: P10,000
  • May ni-re-rent na condo for P20,000
  • May kotseng Fortuner ( on car-loan )
  • May Galaxy tab, iPhone, laptop at maraming pang gadgets (on installment)
  • May P200,000 na utang sa credit card
  • May utang sa SSS, PAGIBIG, company loan, financing loan, cooperative, paluwagan, kamaganak, kapitbahay, atbp.
  • Walang savings or investment.

Tutularan ba natin si Maid mag-save and invest, o si Shopping Girl na mag-shop and spend?

It’s not what you make, it is what you keep!
Do you control your money, or does money control you?

Gusto ba nating mag-Tipid?
Gusto ba nating mag-Ipon?
Gusto ba nating mag-Palago ng pera?
Gusto ba nating mag-Saya pag retire natin??

Learn how to control your money, in our FREE Build Your Future Seminars!
We teach Filipino Families how to save and invest!

Mag-attend sa FREE Practical Money Management Techniques Seminar sa

*My friend Gina, Bo Sanchez’ maid, is now Bo Sanchez’ bookkeeper. She earns more, she saves more, and she will retire a millionaire. Gina, you are an inspiration to many many people!

Bo Sanchez’ other maid and driver are also saving and investing, and expect to be millionaires too, when they retire!

Download a free copy of “My Maid Invests in the Stock Market” at http://bit.ly/WatchBoSanchez

Gusto mo bang Maging Milyonaryo pag-Retire mo?

Gusto- Kong Mag-Retire na Milyonaryo

Gusto- Kong Mag-Retire na Milyonaryo, Pero Paano

If you want to retire a millionaire, you have to start planning to do so.
Start by improving your financial IQ and attend financial literacy seminars.

Do you want to be free of debt?
Do you want to start saving?
Do you want to start investing?
Do you want to retire early?

Do you want to know how?
It starts with financial education and understanding how money works!

Bring yourself, your family and friends to a FREE Personal Financial Coaching And Financial Literacy Seminar by the IMG – Truly Rich Maker Team.

Fill out the form below to reserve your spot in our seminars. Register early, there are limited slots available!   To register for the seminar in

This is your path to financial freedom! We’re empowering people on money matters!
Become an expert in personal financial management. Budget, save and invest wisely.
Be Financially Fit! Get out of the rat race and start your journey to being Truly Rich!

*Bro. Bo Sanchez’ IMG-Truly Rich Maker Team will be presenting the seminar, NOT Bro. Bo 

The Topics may include but not limited to the following:

Financial Blueprint Strategies

  • The Six (6) Steps to Financial Security/Freedom
  • Rule of 72 in Investing
  • The X-Curve Concept: The Blueprint of Financial Planning
  • 4 major needs to complete Financial plan
  • Wealth Calculator
  • How Money Works and How it can Work for You
  • How to Build a Solid Financial Foundation
  • How to Create Millions with P1,000/month investment

Creating Multiple Passive Income Streams

  • The Different Sources of Incomes (Active, Portfolio, Passive and Royalty Income
  • How to Create Multiple Passive Income Streams
  • Different Investment Levels/Vehicles and Strategies
  • How to Become Your Own Financial Expert/ Adviser / Coach

Free Financial Seminar

Are you financially illiterate?
Are you living paycheck to paycheck to support your family?

Click here for Free Financial seminars in
Makati ,
Quezon City
Calamba, Laguna or
Dasmarinas Cavite

Should I Invest in the Stock Market?

Investing in the Philippine stock market is one of the most exciting ways to invest today, as the Philippine Stock Market heads to new highs.  Nowadays, in what is called a bull market (rising market), it is very easy to  make money.

PhilEquity Fund performance as of February 2015. chart compares PhilEquity Fund Inc (PEFI) versus Philippine Stock Exchange Index (PSEi)

PhilEquity Fund performance as of February 2015. chart compares PhilEquity Fund Inc (PEFI) versus Philippine Stock Exchange Index (PSEi)

What is the stock market and how do people earn from it? Learn from Aya Laraya as he talks about how easy it is to invest in the stock market.

But 85% of people who invest in the stock market eventually lose money. Every now and then, the market crashes, and those who are not very knowledgeable are usually among the first of the 85% to lose money.

Directly investing in the stock market is very exciting, and actually very easy, but if you do not understand it yet, it is also very easy to lose money.

You could indirectly invest in the stock market through mutual funds, by having a fund manager do the stock investing for you.  Equity funds are mutual funds that are invested mainly in the stock market.

In this YouTube video, Aya Laraya of Pesos and Sense teaches us about mutual funds. What are mutual funds and how can we benefit from them?

Basically, directly investing in the stock market is like driving your own car or jeep to a distant destination you are not very familiar with. It is much more difficult if you are not yet an experienced driver.

Investing in mutual funds is like riding a jeep or a bus with an experienced driver. You basically just pay the fare, and sleep, knowing that you have a professional driver who will bring you to your destination.

Driving your own car might be cheaper, and might be faster, but it is also possible get can get lost, take longer, or you never arrive at your destination!

Most people want to invest in the stock market only because their money is earning very little interest in their bank savings account. If you want to make money work for you, attend our FREE Practical Money Management Techniques Seminar, in Makati, Quezon City, Calamba, Dasmarinas or at a venue near you.

How to Become a Young Millionaire

Join the TrulyRichKids’ HOW TO BECOME A YOUNG MILLIONAIRE Camp on March 28, 2015, 9:00am to 5pm, to be held in Pasig City (near ULTRA).

This Camp has two classes: One class is designed for kids ages 9 to 12 years old and the second class is designed for teens ages 13 to 19.

Robbie Cabrillas

Robbie Cabrillas is a Grade 5 student at Marian School of Quezon City. He’s probably one of the youngest entrepreneurs at the age of 10.

Your kids will

  • learn how to simplify; They’ll save money on a consistent basis, knowing the difference between needs and wants; they shall acquire the very important skill of delaying gratification.
  • learn how the Stock Market works; They’ll learn how to invest regularly, buy the right companies, and multiply their money over many years.
  • will learn the importance of tithing; They’ll grow in the habit of generosity and the spirit of compassion.
  • “befriend” money in the right way, removing their wrong biases that it’s evil; they shall acquire a spiritually correct understanding that money is a servant, not a master, and thus must be used for God’s purposes.
  • be introduced to the world of Entrepreneurship, opening their minds to creating a product or service, selling the product, and making the business profitable.

For more details visit TrulyRichClub.com/youngmillionaire/