Category Archives: General Interest

Matin and Malvin Leano – In IMG, Dreams Do Come True!

Mary Christinne B. Leaño, fondly called “Matin” by friends, grew up in an underprivileged family in Bacoor, Cavite during the 80s. She knows exactly how to paint a complete picture of poverty. It would mean long days of hunger, she says, that eventually lead her and her siblings to sicknesses and, if unlucky even culminate in despair.

Matin met and married Malvin while working in a semiconductor manufacturing firm. Both Matin and Malvin finished high school and never had college education. They both began their adult lives as a machine operators.

Who would have thought that these high school graduates and machine operators in a factory would one day take leadership roles in one of the fastest growing financial distribution companies in the world? In four short years, Matin and Malvin became CEO Marketing Directors with more than 3,400 members at the International Marketing Group.

Matin and Malvin Leaño - real life champions

Matin and Malvin’s favorite quote is from Bill Gates: ‘If you are born poor, it’s not your mistake. But if you are born poor and do nothing about it, that’s your mistake.
Matin and Malvin regularly conduct financial seminars in Makati and in Dasmariñas, Cavite

Armed with a soldier’s heart and a powerfully-built support system that she draws from her family, Matin knew there would come one fateful day when everything would eventually fall into place. And true indeed, the day came.

It came in a package Matin least expected. “I’d usually go melodramatic everytime I remember my childhood days,” recalls Matin before finally shedding the first teardrop. “You know how hard that feeling is when you see your childhood friends growing up well-fed, well-clothed, having fancy stuffs and it just makes you think life is unfair.

Mind you, I know all the nooks and crannies of an impoverished life. It’s hard, simply hard,” she recalls.

My father was a jeepney driver, my mother a plain housewife. Seeing the hard life, my mother one day decided to work in Kuwait, to the chagrin of my father. Mother went overseas anyway, and it was a hostile life since then. Our father did not care for us; the family broke. We had to do sacrifices. At 16, I felt the need to work after graduating high school. One year later, our father’s passing sent mother home, and we’re back to the hard life.

So what then keeps Matin going in life, aside from the normal cheering she gets from close friends and relatives? Well, apart from the energy she receives from Malvin, who is the love of her life, she takes inspiration from her most favorite quote from Bill Gates: “If you are born poor, it’s not your mistake. But if you are born poor and do nothing about it, that’s your mistake.

Matin, of course, is the unrelenting kind and did not intend to die poor nor want to be held responsible for some kind of mistake she could have largely veered away from in the first place. Moreover, coming from a life that bit the dust, she never wanted to let her children experience the same hardships she went through on account of financial deficiency.

Time was good, Matin and Malvin one day found themselves working as manufacturing operators in a leading semicon company in the Philippines. But due to the global financial crisis in 2009, the company had to move to Vietnam, forcing them to retire early. The company gave them a good retirement package which they used to pay off their housing loan and invested the rest in a special time deposit that gave them 2.5 percent per annum. Insert some sense of frugality somewhere, and the young couple were left with some decent amount enough to start off a little internet café business later.

Even as they had the reserves upon retirement, Matin shares how the middle class mindset swallowed them up whole while they worked. “We were literally living payday to payday. You find yourself squandering your money because you know there’s another payday coming. There are even times when you will end up in a deficit after payday, owing to your payables.

The biggest blessing came in 2010 when they attended the “Marriage Encounter” in La Salette, Silang, Cavite where they met Bro Benj and Sis Fely Santiago, now their mentors, who first invited them to IMG’s financial literacy seminar in Dasmariñas. From managing finances to increasing income, and from getting out of debts to investing safely and correctly, the seminar gave them the knowledge on how to be more financially steady.

They signed up for International Marketing Group on March 10,2010 and everything they have in life today-the tangibles and the intangibles brought about by those tangibles-came springing as a result of that big moment that led them to their new found fortune.


Better start early. Have the entrepreneurial spirit; nobody gets rich by being employed.” Matin, the self-confessed risk-taker then defines success as “achieving your dream of being truly rich, but also helping other people become rich themselves.


We never had any reservation to join IMG because why would you turn down an offer that would help you learn how to handle your money and investments more wisely, right? I mean, that’s just absurd,” Matin quips. “Honestly, as partners, we knew how to set aside at least a little savings, but we didn’t know we could get this much more financial freedom until we entered the IMG family.

The first fruit of their labor came in December 2011 when they got promoted as marketing directors, officially receiving the award at the Hong Kong convention a month after. God is so good: her dream that time was to travel only to Baguio, but for some unexpected twist of events, the venue changed to Hong Kong. And then she went to Singapore. And then Macau. And then Taiwan. Then Las Vegas and many more.

Fast forward to April 4, 2013, one day before the couple’s 10th wedding anniversary, and just when they thought they had all the good things in life already, little did they know the best was yet coming. Matin was elevated to the position of chief executive officer (CEO)- marketing director on that day, rising into that platform in a span of what-only three years. Yet Matin and Malvin willfully confess that they did not reach their positions alone but with the help of what they call the “Truly Rich Makers” team: Doc Jaime, Doc Dada, Raymund, Sir Noel, Sir Joen, especially Ma’am Shirley and many more unmentioned heroes. Now they have 49  first through 4th generation senior marketing directors and four builder-trainers ( called “Green Jackets” in IMG lingo ).

Finally, their greatest rewards at IMG was to travel thrice in all-expense paid trips , together with other great leaders in the world in their Master Classes aboard first class cruise ships (Southeast Asia in 2014, Europe and Northern Asia in 2015). Having traveled to other parts of the globe enabled Matin and Malvin to appreciate the bigness of the IMG universe. Plus, sometime along those travels, they received their double promotion as senior marketing director and national marketing director and the couple couldn’t say a word except that God is amazing.

In IMG, they learned to dream big dreams; from nobody, they became somebody and each of them really wants to be a servant and a humble leader. In a matter of three short years, Matin’s income dramatically increased from four digits to six digits. They now earns more than P150,000 a month, several times higher than how much they used to earn while working. And not only are they grossing a six-digit income, they are also able to keep faithful to their promise not to let their kids experience the same hard life like they had back in childhood. One may call it “luck” and others may call it “once in a blue moon”, but Matin and Malvin call it “passion.”

My husband and I are very passionate to share the mission of IMG. We love what we do and if you love what you’re doing, everything else follows,” she enlightens. She then shares one particular experience when they had to travel seven hours to conduct a financial literacy seminar in Lopez, Quezon Province. They arrived at the venue feeling cold as wet chicks only to find out the seminar was canceled because of heavy rains. “We felt frustrated,” says Matin, “we sacrificed our money, effort and time that could’ve been more meaningfully spent with our kids, but because we love what we’re doing, then we continue to share our mission.

In another instance in Cabanatuan City, Nueva Ecija, everything had already been arranged for another seminar, yet only three guests came. Still, the seminar pushed through with no holds barred on their part.

Honestly, as partners, we knew how to set aside at least a little savings, but we didn’t know we could get this much more financial freedom until we entered the IMG family.

Aside from being passionate, Matin says it’s likewise imperative to maintain the attitude of perseverance, humility and “being coachable“. She says the more people you talk to and share the concept, the more chances it will be to meet the next superstar. All it takes, she assures, is not to quit. When you’re already on top, you should keep your feet on the ground. And most of all, she believes learning shouldn’t end at promotion.

We are students of life, of the system and of the business; we need a mentor to follow while there’s so much to learn.” After going through months and years with IMG, Matin and Malvin have learned a lot of new things. They run the system, enjoy the system and focus on the mission to serve more people. “Before you become a teacher, you must be a good student.

Matin says. “Attend meetings. The most important meeting is the meeting you missed. Also attend big events; we are the product of conventions and we did not miss any IMG convention.

We do monitor our business. We set a goal and act on it, check our daily, weekly and monthly activities. The most important thing is we don’t compare ourselves with others. Work as a team and fight to win- teamwork gives you more strength and courage to win. When the team wins, you also win. You need to open up and work with others because an isolated team will be suffocated with boredom and have no momentum,” Matin explains.

Matin goes to say that IMG is the sort of business that has no excuses-whether there’s a guest or not, whether the appointment materializes or gets canceled, they need to report to the office. Asked what kind of management style she employs, she responds “consultative”, saying in every decision they make, they check with the team, ask for suggestions and discuss them with the members. “I talk to them directly when I feel they have concerns and issues,” she speaks about dealing with conflicts within her team, “but I always make sure that the conversation remains friendly and casual, not intimidating.” But more than just constantly communicating with the team, Matin motivates her people to focus on the mission and face their fears. She reminds them to stay optimistic and persistent in achieving their target. They go to the meeting at least two times a week and make sure that they hit their 4S-schedule, system, structure and strategy. And what if there was an emergency and Matin had to be away from the company for, say 30 days, do they have strong leaders who could guide the ship in her absence? “Definitely,” she says, “that’s what we also do – train our people to be leaders.

Today, IMG Makati occupies  the 9th floor of Kings Court Building 1 in Chino Roces Ave(formerly Pasong Tamo St), and the 10th floor of the World Centre Building along Sen. Gil Puyat Ave(formerly Buendia). IMG has official offices in Cebu, Singapore, Hongkong, Davao and Cagayan de Oro, plus numerous independent training centers in Quezon City, Calamba, Dasmarinas, and other major cities in the Philippines and abroad.

Matin, based at IMG Makati in World Centre Building, also takes pride in saying that additional big companies in financial services industry are joining as IMG as financial industry providers. In her capacity as a CEO, Matin eyes to coach and produce hundreds of marketing directors in the Philippines and the world over.

Some people will like you, some won’t. Always remember that you do it for love and with purpose,” she says. She asserts she couldn’t have reached the position without the help of her supportive husband Malvin, attributing him as her best partner at IMG and sharing her success with him because they have the same goal, the same mindset. Malvin’s perseverance is in itself a key strength, his “never give up” attitude fires up the entire team. She also thanks God for the opportunity to be part of IMG and her mentors, Bro Benj and Sis Fely, for their guidance in her journey towards being a CEO.

For a woman who only wished her future family wouldn’t experience the same fate as her, Matin has indeed walked a thousand miles. And to all those who want to follow in her footsteps, she has one thing to say: “Better start early. Have the entrepreneurial spirit; nobody gets rich by being employed.” The 37-year-old self-confessed risk-taker then defines success as “achieving your dream of being truly rich, but also helping other people become rich themselves.

And should you fail? No worries, she has a pick-up line as a saving grace: “Don’t quit!” [“Bakit?“] “Mahulog na silang lahat, ‘wag lang ikaw ang mahuhulog.


To learn more about IMG, simply attend our FREE Saving Your Future Seminars on building a solid financial foundation and practical money management techniques in

Or if you are ready , you can join now!


This article is slightly rewritten and updated; the original article is found in IMG Champions Magazine 2013 edition, and reprinted in the IMG Official Blog

How to Spend Your 13th Month Pay

Merry Christmas!

It’s that time of the year when Filipinos are happiest.  Many are eager to receive their 13th month pay to buy presents for family and friends, and to splurge a little on gadgets.  For some, there are extras, perhaps even a 14th and 15th month pay.

How do I spend my 13th month pay?

How do I spend my 13th month pay?

How do you use it?  I strongly suggest you think a little beyond the holiday season, Christmas presents and merry making.  Why don’t you….

  1. Plan

Close to 70% of people who get large amounts of money go broke within 5 to 7 years.  This is because many people are so unfamiliar with having a large amount of money.  Plan how to use your money, and budget how much you want to spend for Christmas and how much you want to allot for more productive use.A good rule of thumb is 10% for your spiritual community, 20% for your future, and 70% for your expenses and lifestyle:

  • 10% for your eternity
  • 20% for your maturity
  • 70% for your family

And then you plan further.  How do you spend your 70%?

  1. Protect Your Family

Have you considered what would happen if the Lord decides to call you home early?  What would happen to your family?  You can be healthy today, but what if tomorrow, you meet an accident?  Will your family go hungry?Buy SUFFICIENT life insurance coverage.  There are inexpensive options available, such as term life insurance.  P6,000 annual premium at age 25 can buy you P1M coverage.Combined with some mutual fund investments, P3,000 per month for 10 years can  buy P1.2M of life insurance at age 25, slowly growing to more than P4.8M coverage ( or P3.8M cash benefit) by age 60.

Learn about protection, savings and investment in free seminars,  like the SAVING YOUR FUTURE seminars on Practical Money Management from IMG.

  1. Eliminate debt

The typical Filipino makes strange financial decisions.  Most save in banks where their money earns 0.20% per year (that simply means if you put P100,000 in the bank on Jan 1, then by December 31, the bank will give you P200 interest after withholding tax), but borrow from the “friendly Bumbay” at 5-6, or from the “sosyal” credit card company at 3.5% PER MONTH.

Pay your credit card debt. By paying  credit card debt you effectively invest your money at a rate at least equal to the 3.5% they charge you.

Read more about How to Invest by Paying Your Credit Card, and earn an equivalent compounded annual growth rate of approximately 51%

  1. Invest

Investing is increasing the value of your assets using your existing resources, like time and money.  While some consider investing a science, there are enough elements of creativity involved, I prefer to think of it as an art.Investing in your greatest asset – you – is probably your best investment.  You probably invested hundreds of thousands of pesos in your formal education (elementary, high school, college) so you can get a good job, and work for money.

Invest in your financial education, to learn how make money work for you, and to gain financial wealth and spiritual abundance at the same time.  Join the TrulyRichClub.

Start by taking a crash course in stock market investing.Invest in safe investment vehicles to build your retirement fund and your children’s college funds. Equity mutual funds and UITFs are good starting points.

  1. Setup Your Emergency fund

Setup your emergency fund, normally three to six months of your living expenses.  Emergencies are for emergencies or unexpected large expenses such as medical emergencies or temporary unemployment.  Sale in malls are not emergencies, even if your dream shoes are on sale at 70% off.

Keep your emergency funds in savings or time deposits.

  1. Indulge

Spend a little on yourself.  Save specifically on little pleasures for yourself, maybe an occasional vacation or adventure.  Save for your future, but  treat your present self every now and then.

A note on the 10% for Eternity

Share your blessings  to your spiritual community and to the less fortunate.  Remember we are merely managers of of God’s wealth.  Giving actually makes you feel more blessed, and appreciate the abundance of God’s universe.  Giving makes you win in all areas of your life.  In other words, TrulyRich.


Bobet Prudente is a financial coach and Senior Marketing Director at IMG TrulyRichMakers.  He is a member of Bo Sanchez’ TrulyRichClub .  He conducts regular FREE Saving Your Future seminars on Practical Money Management Techniques in Quezon City.

 

The Pope’s Itinerary Jan 15 to 19, 2014

The Pope’s Itinerary

Pope Francis

File photo by Luca Zennaro/EPA/Pool

Thursday 15 January 2015
17:45 Arrival at Villamor Air Base in Manila
OFFICIAL WELCOME
Friday 16 January 2015
09:15 WELCOME CEREMONY at the Malacañang Palace
COURTESY VISIT TO THE PRESIDENT
10:15 MEETING WITH THE AUTHORITIES and the DIPLOMATIC CORPS at the Rizal Ceremonial Hall of the Presidential Palace
11:15 HOLY MASS with the bishops, priests, women and men religious at the Manila Cathedral – Basilica of the Immaculate Conception in Manila
17:30 MEETING with the FAMILIES at the Mall of Asia Arena in Manila
Saturday 17 January 2015
08:15 Departure by plane from Manila for Tacloban
09:30 Arrival at the airport of Tacloban
10:00 HOLY MASS near Tacloban International Airport
12:45 Lunch with some of the survivors of typhoon Yolanda at the Archbishop’s Residence in Palo
15:00 Blessing of the Pope Francis Center for the Poor
15:30 MEETING with the Priests, Women and Men Religious, Seminarians and Families of the Survivors at the Cathedral of Palo
17:00 Departure by plane for Manila
18:15 Arrival at Villamor Air Base in Manila
Sunday 18 January 2015
09:45 Brief Meeting with the Religious Leaders of the Philippines at the Pontifical University of Sto. Tomas in Manila
10:30 MEETING WITH THE YOUTH at the Sports Field of the University of Sto. Tomas (UST)
15:30 HOLY MASS at Rizal Park in Manila
Monday 19 January 2015
09:45 Leave Taking Ceremony at the Presidential Pavilion of Villamor Air Base in Manila
10:00 Departure by plane from Manila for Rome
17:40 Arrival at the airport of Rome/Ciampino

 

Source: www.papalvisit.ph


Malacanang on December 23, 2014 issued Proclamation 936 declaring January 15 , 16 and 19, 2015 as special non-working holidays for the National Capital Region.

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