Category Archives: International Marketing Group

‘The Secret on How to Let Money Work For You’ by Joen De Las Peñas and Noel Arandilla

Joen De Las Peñas and Noel Arandilla, Certified Financial Educators and co-founders of International Marketing Group (IMG) will speak on ‘The Secret on How to Let Money Work For You‘ at Bo SanchezKerygma Conference 2016Forward.

Class: The Secret on How to Let Money Work For You
Thursday, November 17, 2016
Learn the simple but comprehensive approach to financial planning and investment; how to build a solid financial foundation and secure your financial future.

Joen De Las Peñas & Noel Arandilla will speak on 'The Secret on How to Let Money Work For You' at the Kerygma Conference 2016

Joen De Las Peñas & Noel Arandilla will speak on ‘The Secret on How to Let Money Work For You’ at the Kerygma Conference 2016

Dr. Jose Enrique “Joen” R. De Las Peñas is a Certified Financial Educator (CFEd) in the USA, a Registered Financial Planner, and the President and Chairman of the Board of International Marketing Group (IMG) Insurance Brokers Corp., a Philippine corporation offering financial services and products through international partner providers. Joen‘s advocacy of teaching people how to become financially independent is backed by almost 20 years of financial management experience.

Noel Arandilla is Co-Founder and CEO of the International Marketing Group. He is a Chemical Engineer, a Registered Financial Planner, and a Certified Financial Educator with Heartland Institute of Colorado, USA. He has made it his personal mission to change people’s lives through financial education.


Join us at the Kerygma Conference 2016 on November 17 – 20, 2016 at the SMX Mall of Asia.

Kerygma Conference has been a source of hope and inspiration to people so they become more blessed and empowered in the different aspects of their lives. It has been gathering thousands of people from all walks of life for powerful talks and learning tracks straight from well-known speakers and industry experts. Throughout those years, Kerygma Conference has been – an instrument of change for so many lives, and a way for lost souls to discover the path towards the love of God. Check out http://KerygmaConference.com

International Marketing Group, TrulyRichMakers and Kaiser International HealthGroup are proud Conference Sponsors of Bo Sanchez’ Kerygma Conference 2016 – Forward.It is our mission to enable Filipinos to attain financial freedom, through financial education. NO FAMILY LEFT BEHIND

Attend our FREE seminars in

 

11 Reasons to be an IMG Member

by Coach Bobet Prudente

Two years ago, I “retired” from my corporate job, and planned to start my own business intelligence company. But something happened along the way.

I became an IMG member, and a happy warrior in the fight against poverty.

IMG started its mission to help Filipino families become financially free more than 18 years ago. Through the years, we helped Filipinos learn about money, provided access to hundreds of financial products, and helped many save money through discounts and rebates.

Here are eleven reasons to be among the more than one hundred thousand (100,000+) IMG members worldwide.

1. Financial education workshop

IMG has been giving free financial seminars for many years.

IMG recently launched its Global Campaign for Financial Literacy, and the target is one million financially literate families by 2020.There are now five new two-hour workshops on (1) increasing cash flow and debt management; (2) building a solid financial foundation and getting proper protection; (3) asset accumulation and growth; (4) asset and wealth preservation, and retirement planning; and (5) entrepreneurship.

IMG members get a FREE workbook to use in the workshops.

2. Free financial check-up

When you have questions/concerns about your health, you get a medical check-up. When you have car problems, you go get a car check-up.And if you have questions about your wealth and finances?

IMG members get FREE financial check-up from their trainers and mentors. Members sit beside their trainers to prepare personal financial needs analysis and create personal financial plan/blueprint.

Top 5 Reasons to be an IMG Member

1. Financial Workshops.
2. Financial Checkup
3. Asset Preservation Services.
4. Access and discounts to car, home and other non-life insurance.
5. Discount on real estate from SMDC, Ayala Land,DMCI and Vista Land.

3. Access to asset preservation services

We all strive to accumulate assets in our lifetime to pass to our family and next generation. And when God calls us home (unfortunately, sometimes a little sooner than expected), everybody tells our family they are sorry for the loss, but the government will first freeze your assets until your heirs pay up to 20% of the estate value in taxes.

Asset preservation is about an orderly transition of your assets to your heirs, according to your plans and wishes, and possibly about paying less taxes.IMG members have access to tools and services to setup corporations for asset preservation or other purposes through its corporate services partner company.

4. Discount on car, home, property, and other non-life insurance products

Do you need insurance for your home? Car? Equipment? Many people need insurance for many reasons, and sometimes it is a pain to get hold of the proper insurance agent, and pay sometimes expensive premiums.IMG members have access to a multitude of non-life insurance products from respected providers such as MAPFRE Insurance, QBE Insurance, Malayan Insurance, UCPB Gen, Prudential Guarantee, and many more.

IMG members also get discounts in the form of rebates on their own insurance requirements.If you own a business with non-life insurance requirements, the discounts on insurance alone is reason enough to be a member!

5. Discount from real estate companies

Many Filipinos eventually buy real estate, maybe a house and lot, or a condo, through a middleman such as a real estate agent or broker.IMG members buy directly from real estate giants like SM Development Company (SMDC), Ayala Land (ALI), Vistaland (VLL), and DMCI Homes, effectively bypassing the middlemen.

IMG members usually get another 2 to 3% discount on real estate purchases.On a P3M property, that is about 2% x P3,000,000 or P60,000.

Another reason to be an IMG member!

6. Access to affordable life insurance products and services

IMG members can enroll in its IMG group yearly renewable term plan with Philam Life, the biggest life insurance company in the Philippines. This plan is the most inexpensive in the market. For members below 36 years old, it costs about P3,600 ANNUAL premium to get a P1,000,000 life insurance coverage, with riders for accidental death, dismemberment and disablement (ADDD), including a P500,000 terminal illness benefit (TIB). That means a P1,000,000 coverage for as little as P10 a day.This is another benefit available to IMG members (with additional requirements).<

7. Access to short-term and long-term healthcare products and services

Most Philippine HMOs offer short term health care products to big companies for the benefit of their employees. This provides excellent healthcare to the generally young and healthy corporate employees while they are employed.Long term healthcare is like “pre-paid” healthcare.

Individuals pay for healthcare while they are relatively young and healthy and productive, planning to use the healthcare when they are old, sickly, unemployed or retired.Kaiser International Healthgroup Inc, a duly-accredited HMO in the Philippines (I think the third biggest HMO) registered as a Healthcare Provider and Accredited Broker for Other Health Care Companies, offers both short-term and long-term healthcare products, numerous corporate, schoool and government accounts ( House of Representatives, Court of Appeals, Public Attorney’s Office, Department of Agrarian Reform, Technological University of the Philippines, Honda Motor World, Makati Finance Corporation, Royal Oaks International School, Seminario de San Agustin, etc).

IMG members have access to innovative healthcare products from Kaiser International, Inc, including long term healthcare with investment component, and senior healthcare for age 61 – 100.

8. Enjoy zero load benefits to various mutual funds

Mutual funds are among the least understood secrets of the wealthy, mainly because mutual fund companies do not advertise or do much marketing. Yet, mutual funds are among the safest and easiest way to steadily grow your money.

The normal way to invest in these companies is to do your own research, choose, then go to each mutual fund company office, and pay up to 3.5% sales load (or commission) for those who handled the transaction.

IMG members can go to free mutual fund training and briefing sessions every month and discuss concerns with certified investment solicitors. Members consult other members, investment solicitors, even respected leaders in the mutual fund industry such as Rex Mendoza, found chairman of Rampver Financials to decide on which mutual funds to invest in.

Members can open mutual fund accounts for any of the 40+ mutual funds from Soldivo Funds, PhilEquity Management Inc (PEMO), PhilAm Asset management Inc(PAMI), First Metro Asset Management (FAMI), SunLife Financials, and ATRAM, from the IMG Financial Center in Makati, Cebu and Davao.AND the best part is….

IMG members enjoy ZERO load benefits when investing in any of these funds.

  • If you invest P100,000 directly in mutual fund through traditional channels, you may pay up to P3,500 in sales loads, effectively investing only P96,500.
  • If you invest P100,000 as an IMG members, through IMG, there is zero load and you invest the entire P100,000.

9. Business ownership program opportunity in the financial industry.

IMG members who want to increase their cashflow can earn extra income by helping other people save and invest, while keeping their job or business.Access to all of IMG’s partner companies is an optional business opportunity for members who could use it to build a career or big business in the financial industry.

Membership benefits.

6. Access to Life Insurance products.
7. Access to Healthcare products and services.
8. Access to mutual funds at ZERO load. Exclusive to IMG members.
9. Business Ownership program.
10. Opportunity to travel the world thru IMG business program.

10. Opportunities to travel the world for free through the IMG business program

IMG members who do the IMG business program and meet performance targets get subsidies to attend and enjoy the IMG local and international conventions, and free packages for international cruises.

11. Community of Savers and Investors

Enrolling in IMG means joining a community of savers and investors, enabling members to consult mentors, share experience and compare notes with other community members with similar values.
Truly Rich Maker

In IMG, you become friends with awesome people who will selflessly guide and encourage you to practice financial discipline in your journey to financial freedom.Enrolling in IMG means joining a community of savers and investors, enabling members to consult mentors.

If you want to lean more about IMG, you can start by attending our free seminar.

Fill out the form below to reserve your spot. Register early, there are limited slots available!

IMPORTANT:

If there is no form above, please refresh this page

A few minutes after you submit your registration, you will receive, in the email address you provided, a confirmation email asking you if you submitted the information to this form. This is to ensure that you (and not just someone who used your email address) knowingly registered your name.

YOU MUST CLICK on the confirmation link to complete your registration.

After you have confirmed, we will send you E-Ticket mail. If you do not receive the confirmation mail, or e-ticket, please check your spam mail in case it got over-enthusiastic and discarded our mails.

Usual Schedules in Makati

  • Every (Tuesday) at 9:30am and 2:00pm and 7:00pm
  • Every (Thursday) at 9:30am and 2:00pm and 7:00pm
  • Every (Saturday) at 9:30am and 2:00pm and 7:00pm

Venue:
World Centre Bldg
Gil Puyat Ave (formerly Buendia)
Makati
(in front of Mapua)

Click here to register for the seminar in



Are You Ready To DOMINATE?

Something big is going to happen, the biggest IMG event of 2016 – The Convention of Champions 2016 at the SMX Mall of Asia Convention Center, on September 10-11!

Are you ready to change your financial life?
Are you ready to start saving and investing?
Are you ready to grow your income and build a big business in the financial industry?

Get ready to learn, be inspired and have fun!

Let us DOMINATE!

Convention Of Champions 2016

IMG’s biggest annual event is its Convention of Champions for IMG members worldwide. It is packed with dynamic training sessions and business building workshops, designed for both the new associates and established financial services professionals alike. The Convention of Champions is an opportunity to learn from some of the top motivational speakers in the financial industry. Past guest speakers have included championship coaches and business gurus.

This year’s convention features a gala night, dinner, entertainment and an awards night/dinner show on Saturday, September 10, plus an inspiring day-long seminar on Sunday, September 11.

Prominent preacher Bo Sanchez (also an IMG Senior Marketing Director), financial guru Rex Mendoza, and giant builders from the US and Canada (possibly including our master builder Xuan Nguyen himself!) will teach and motivate members during the Sunday session. They will share their journey to financial freedom, and how they built their business by helping other people learn about money.

We remember last year’s inspiring messages from our biggest builders!

“Whenever you go out to the field, you give hope to other people.”
– Bart Borja, Master Builder, IMG

“When you build with a builder’s mindset, sky is the limit!”
– Noel Arandilla, Master Builder, IMG

“I know, deep in my heart, my own advocacy to make Filipinos achieve financial security and prosperity always takes a step further whenever I am with IMG.”
– Rex Mendoza, Rampver Financials

“The more you dream, the further you get.
If you want to be the best, you have to be willing to do what other people are unwilling to do.”
– JB Nguyen, Master Builder World Financial Group

“At the end of the day, it all boils down to what you believe, and what you want to do in life.
That made me stronger in this business because our mission, our crusade, is really helping people, and when we help people, we help them from the heart.”
– Joen delas Penas, President, IMG

“Look at everything as TRAINING.”
– Bo Sanchez, preacher, IMG Senior Marketing Director

Witness another life-changing event.
Are you ready to make history?

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

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:

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

Meet Joen dela Peñas (an Interview by Bo Sanchez)

This article was originally published in Kerygma June 2008 | An interview By Bo Sanchez.
International Marketing Group’s mission to spread literary is most visible via the numerous FREE financial literacy seminars in Makati and major cities in the Philippines.

We met at a most unlikely place – inside an airplane. I was bumped up to business class and he was seated right beside me. Since then, Jose Enrique (Joen) de las Peñas became my mentor in investing.

Bo Sanchez and Joen de las Peñas

Bo Sanchez interviews Joen de las Peñas, whose mission is to grow your money. Save the right way, not the wrong way.


Joen has a mission: to change the adage that “the rich get richer and the poor get poorer.” He believes that “the average person, even the poor, has an equal chance to become wealthy if given the right information.”

Joen certainly knows what he’s talking about. He is a registered financial planner and has more than 12 years of financial management experience. He sits as the president and chairman of the board of International Marketing Group (IMG) Insurance Brokers Corporation.

Joen is certainly one guy I learn so much from every time I talk to him.

Bo: I still remember your dialogue. You said, “I like your book.” I think you read Simplify and Create Abundance. And then you said, “Can I share some more to you?” In other words, you were trying to say, “You still lack some knowledge.” But I truly appreciate all the financial knowledge that you have shared with me all these years.

Joen: That’s true. I read a lot of your books. It’s always been my dream to meet you so I could tell you a bit more about financial services, about the mission that we do. I know that you can help spread what we know, so it was a good chance to let you know all the things that we know.

Bo: Can you share with us this mission, this crusade in your heart that’s been driving you for the past 10 years?

Joen: It’s about the statement “the rich get richer and the poor get poorer.” Our mission is to change that. The rich get richer, it’s good. But the average person also has the right to become wealthy and I know that with the right information, he will have the same opportunity as the wealthy people.

Bo: That’s wonderful. So the rich, yeah, they can get richer, so long as they share their riches. But you’re saying now that the average person can become rich as well.

Joen: Yes, if the average person understands what the wealthy people are doing, if he understands the right financial vehicles, then there is no reason to be poor. Sadly, the average person focuses on different things while the wealthy people focus on how to become wealthy and successful.

Bo: Can you give some specifics?

Joen: If I ask the average person, “What is the rate of return on your savings?” most of the time he does not know. But ask him about the rate of return on his debt, he’d know. It’s always at the back of his mind. But the wealthy people – they know the rate of return on their savings, when it will double, how much their money will be in so-and-so years.

Bo: You know, just yesterday I went to my bank and they gave me this leaflet on new interest rate. I was so shocked – it was 0.75% for a year! I thought it was at least 1%.

Joen: And that’s still gross. You still have to deduct 20% withholding tax. What a lot of people do not understand is this: that the bank is a good vehicle for business; but for your own personal savings, there are lots of other financial vehicles that you can use.

Most people think that by saving they’re already doing something right. But the fact is, you couldsave the right way and save the wrong way. And saving the wrong way, at the end of the day, will not change anything.

Bo: That’s a very important point. You know, Joen, my role is to give people the capacity to have a vision. I give them the capacity to dream. I remove their limiting beliefs – that I can’t do it, that I’m poor. So you’re absolutely right. People don’t have a vision of doubling their money.

Joen: A lot of people are like that – they do not understand that with a meager rate of return on their savings, they will never have a chance to become wealthy. But I can show you a way that, even if you save P20,000 for six years with a total of P120,000, over the years as it compounds, it can be P9.5 million.

Bo: Wow. So you’re saying, Joen, that if the average Filipino can save P1000 or P2000 a month, they can become a millionaire over time? But they need to know how to save, where to save.

Joen: Yes and at the same time they should have a vision where their money is going and how exactly their money can grow. All of us work hard for the money. But eventually if we know how to handle money, money can actually work for us. We can be the boss of our money and not the other way around.

Bo: OK, you’re saying, don’t put it in a bank, use the bank for business as loans, maybe business loans. But tell us, what vehicles are you talking about that can make one a millionaire over time?

Joen: One of the widely used financial vehicles right now, even is the US and Europe, is the mutual fund. In a mutual fund, your small amount of money becomes part of a very big fund. If that fund earns 12% or higher, whatever savings you have there will have an equal rate of return as the whole fund. Many people think that the mutual fund is for the wealthy. But in fact it was created for the average persons to earn equally with the wealthy people.

I look at a lot of Filipinos and they’re very focused on how to make money but that’s only 50% of the equation. The other 50% is learning how to let their money go back to them much faster.

Bo: That’s true. Is it safe to invest in a mutual fund?

Joen: A mutual fund is regulated by the government and managed by a professional person to let the money grow. It’s one of the safest vehicles to let your money grow and to have the best rate of return. They have what you call asset allocation. The fund is spread correctly and all that the fund manager does is to think how to let the fund grow. And because of regulation, it’s a very safe vehicle.

Bo: I’m sure we could go on and talking about this wonderful topic. One last thing before we end. You said that in the US, 20% of the people there put their long-term savings in the bank, but 70 or 80% put their money in mutual funds already. In the Philippines, it’s the opposite. Not even 1% of our people invest their money in mutual funds. And so you have a long way to go.

Joen: Yes, there are a lot of things to be done. But I believed that with the right information we can actually become like the US and there will be more money in mutual funds compared to the regular savings in the bank.

This article was originally published in Kerygma June 2008 | An interview By Bo Sanchez.
International Marketing Group’s mission to spread literary is most visible via the numerous FREE financial literacy seminars in Makati and major cities in the Philippines.

Should You Join IMG?

By J3 Patino

Should You Join IMG? Should you Own a Kaiser Plan?

There are THREE ways to look at IMG. You can look at it as a (1) School, (2) Investment, (3) Business Advocacy.

"I really love IMG business, because it is NOT about money, but it is about HELPING people."

“I really love IMG business, because it is NOT about money, but it is about HELPING people.”

IMG as a School

The initial training you attended was just 1 of the many available trainings in IMG about different financial instruments. Also, as a member you will have a chance to network, discuss and consult with other members who are also financially “aware”. IMG is a great community of financial literacy advocates and practitioners.

If want this, then all you have to do is to become a member of IMG. The membership costs about P3,700 (fees may change overtime). This will grant you access to the ‘higher series’, and of course the people would be more gladly help you achieve your goals.

(Insider’s Note: The person who invited you will not get compensated in any way if you do decide to become a member. The fee should cover for your starter kit, trainings and license, which will be discussed in the later section)

IMG as an Investment

Remember that IMG is a financial brokerage. And aside from the Kaiser plan, you can also purchase mutual funds, insurance, real estate and other instruments from its partners. If you plan on just investing with IMG partners like Kaiser (HMO), or PhilamLife (Insurance) or PhilEquity (Mutual Fund) or Ayala Land(real estate) or any of the financial product providers it represents , then it is going to be more convenient for you since it’s just a one-stop shop. You will be dealing with just one person for all your insurance, healthcare, mutual fund, and even for estate planning. And more important than convenience, you can also be assured that the person you’re dealing with is someone who is financially educated, and not just a product pusher of whatever his company is selling.

To get an investment from IMG, then simply approach the person who invited you and ask them what the available and recommended products are, given your specific goals.

(Insider’s Note: If you do purchase any product, then the person you buy from and the person who referred you will earn a commission. This practice is pretty standard in all sales industries.)

IMG as a Business Advocacy

IMG can also be seen as a business, wherein you would be spreading financial literacy to Filipino’s all over the world, and be financially compensated for it. (As mentioned early in the post, IMG is an education focused business). So as you spread financially literacy, you will meet 3 different people:

  1. People who would ignore you.
    You pray for these people and hope they will be more financially responsible.
  2. People who would want to apply what they learned from you.
    You teach and recommend investments here. If they buy, you earn a commission!
  3. People who would want to join you in your advocacy.
    You train them how to do the same and you will earn royalty fees.

Note: There are already existing training seminars that will teach you how to do this step-by-step. So even if you do not have a finance background, part of the IMG training is of course learning how to apply it in your own life first. Remember the quote:

“To learn, READ. 
To know, WRITE. 
To master, TEACH”. 

If you do IMG as a business, then it is part of the training wherein you will learn how to master financial literacy, because you will be teaching it to others. This is a much harder path to do, but it is also more financially rewarding.

To do IMG as a business, you will have to:

  • Become a Member (Pay the P3,700 fee and start attending trainings), THEN
  • Purchase the Kaiser Health Plan.

The details of this can be discussed by the person who invited you or introduced you to IMG.  When you do IMG as a business, you become a broker for all the financial product provider-partners of IMG (yes, you become a broker for Kaiser, for Philamlife, Ayala Land, etc), and thus eligible to earn commissions on sales.  You could grow this business with no capital, guided by a team of business mentors ( but details are beyond the scope of this article ).

So that’s all for this article! I highly recommend that you get back to the person who invited you and let him or her know if you want to go with IMG as a School, Investment or a Business. (You can also say none of the options, that’s not a problem – just let them know!).

If you have any questions, I’m sure the person who invited you will be happy to discuss it with you. For now, I hope that this article has helped you understand what is IMG, Kaiser and how it can help you achieve your financial goals.

About J3 Patino

J3 PATIÑO is a personal finance consultant dedicated to teaching Filipinos around the world, how to achieve financial freedom and financial abundance by understanding the world of money, in a simple, practical and very-easy to understand way.

J3′s books, videos, seminars, and posts inspire tens of thousands of Filipino’s all over the world from different walks of life – from students, young professionals, starting families, to OFWs,  entrepreneurs and executives. J3 is also a member of the Registered Financial Planners (RFP) of the Philippines, a former faculty member of the University of the Philippines, and most importantly a lifetime student of student of personal finance.

Bridging the gap in health care

Kaiser : Bridging the Gap in Healthcare

by J3 Patino

What is Kaiser?

Kaiser HealthGroup International is the healthcare partner of the International Marketing Group (IMG). It is a lesser known Health Maintenance Organization (HMO) compared primarily because it’s focus is on the individual family clients (and not the corporate accounts). The reason why Kaiser was created was to address the LACK of long-term healthcare provided in the country.

Why Do We Need Long-Term Health Care?

Typically, an average Filipino employee would have a healthcare plan provided by his/her employer. This is certainly very beneficial and helpful to the employee and his dependents, and this covers for the person’s SHORT-TERM healthcare needs.

But what happens when the person has to leave the company? What if he is already forced to retire, or perhaps was made to be redundant? The healthcare benefits will also disappear! I honestly find it quite sad that when people get older, that is the time they will most likely need a healthcare plan, but that is also the time when they won’t have it already.

This is the BIG GAP in healthcare. Everyone has the typical short-term plans, but no one is preparing them for the future – a time when they will no longer be covered by any company, and a time where medical and hospitalization expenses would most likely be in the millions. This is the need that Kaiser is solving, one family at a time.

The Kaiser Short and Long-Term Plan

During the seminar, the Kaiser 4-in-1 plan must have been discussed to you. Depending on the skill on the speaker, there are some things that might not be really clear to you, so let me simplify it.

The Kaiser plan has 3 phases:

Phase 1: The Accumulation or Paying Phase (Year 1-7): For the first 7 years you will be paying for the plan. During this time, it works like a typical HMO wherein you have an annual benefit usable for hospitalization expenses. (There are a couple of bonuses like the Annual APE, and Dental Benefits, but honestly I think these shouldn’t even matter in your decision making).

Comparison to Other Providers: During this phase, the kaiser plan addresses the Short-Term healthcare needs. When compared to other healthcare providers, this plan is actually very sub-par. Short-term healthcare is definitely NOT this plans strong point).

Phase 2: The Growth Phase (Year 7-20): During this phase, you have completed all the payments and all you have to do is WAIT and let the plan mature. At this point your plan will have a starting cash value, that you can also use for medical expenses. The money is invested in government and corporate bonds, which are expected to yield 5-8% per year.

Comparison to Other Providers: During this phase, the Kaiser plan is still there for your short-term needs. The money is still growing at this point and it is at this phase when the Kaiser plan starts to step-up and be more competitive with the other health providers.

Phase 3: The Maturity (Year 20 and beyond): At the plans maturity at year 20, several bonuses will be awarded like the Long-term Care Benefit and Bonus. Plus about 85% of the premiums will be returned to you if you didn’t use the plan during the earlier phases. Here the cash value of your investment would also be good as cash – meaning you can use it for anything, not just hospitalization and medical expenses.

Comparison to Other Providers: At this phase, Kaiser stands out because most healthcare providers are already TOO expensive (Try this: add 20 years to your age now, and inquire how much a healthplan will cost….) Meanwhile, your money with Kaiser has already accumulated (and depending on the plan you chose, your Total Health Benefits would be upwards of P500,000 all the way to several millions).

All in all, I think the Kaiser plan is a great compliment for those who have existing healthcare plans (especially if its provided by your employer). This way you’re covered for both your short and long-term needs.

Where the Kaiser Plan Fits

As you learned in the seminar, there are 6 steps to financial freedom.

  1. Increase Cashflow (by increasing income and decreasing expenses)
  2. Manage Debt (by debt consolidation and eliminating it)
  3. Create Emergency Fund (Save 3 to 6 months of your expenses)
  4. Ensure Proper Protection (Portect for medical emergencies, and risks)
  5. Build Long-Term Savings (through investments)
  6. Preserve Estate (through estate planning)

Where does Kaiser Fit into the Picture?

Kaiser is in the 3rd and 4th step of achieving financial freedom. While investing in the stock market is at the 5th step already. And to build a solid financial foundation, these steps must be STRICTLY FOLLOWED.

(Imagine a child asking for dessert BEFORE even eating the main course and the vegetables. Would you, as a responsible parent, actually do this even if the child wants it so badly? Of course not! That would be very unhealthy, and it would ruin the whole point of eating (which is to make us healthier).

It’s the same thing in building a solid financial foundation. No matter, how good investing may make you feel, if not done with the right foundation it is also unhealthy. The right way is to Have a source of income first, THEN make sure you don’t have any high interest debts… THEN save and secure yourself with insurance and healthcare, THEN that’s the only time you invest.

Should You Get the Kaiser Plan?

Affiliate Disclaimer: I (along with your IMG financial coaches) will receive a commission should you decide to purchase a Kaiser plan through us. But as an independent and Registered Financial Planner, I will only recommend the plan if it suits your needs.

So let me start off with who should NOT get the plan..

PLEASE DO NOT get the plan IF:

  • You have no source of income.
    The unemployed, children and students are a big-no no. Retirees can get the plan only if someone else will cover for it, and you have savings that will last you at least 3 years.
  • You are buried in high-interest debts.
    If you cannot fully pay your credit cards, then please repay them first. Auto and Home Loans are okay since these are more acceptable interest rates.
  • You cannot save more than 10% of your salary.
    Focus on increasing your income and decreasing your expenses first. Learn how to budget and save first. Learn how to increase your income before moving on to the higher stages.

If you belong to any of the above, you can still come to IMG for coaching, but it is really not recommended that you get the health plan. Put the first things, first.

If you DO NOT belong to any of the above, then you can consider getting the plan. For this, I will simply rank it if it’s excellent, very good or good for you to get a plan:

The plan is EXCELLENT for you IF:

  • You are a young professional and you are already covered by your employers health benefits.
    This is a perfect compliment to your short and long-term healthcare needs. This is actually also very good because if you do not use the Kaiser plan in the early phases, you get the 85% return on your premium. So you current plan acts like a BUFFER to your Kaiser plan.
  • You are self-employed with no form of health/medical benefits.
    The bonuses are really valuable here like the insurance, APE, and of course the health plan. It being a 4-in-1 (savings, insurance, short and long-term healthcare) is also very convenient for your complicated and busy lifestyle.
  • You are an employee planning to transition into business.
    One of the fears that employees cling on to are the ‘benefits’ in the company. This almost always prevents them to take the leap of doing what they truly want to do. When you have your healthcare covered, at least you’ll have a safe foundation as you venture into the unknown.

The plan is VERY GOOD for you IF:

  • You are an established family man/woman in your 40’s to 55’s.
    Given that the plan takes 20 years to mature, it would just be in time for your retirement years.
  • You plan to grow old SINGLE.
    Not to assume anything about your future, but generally you will have less people to rely on in your old age. (Both socially, and financially). Having to hiring a personal caregiver is also very possible so it would be good to prepare as early as now.

The plan is GOOD for you IF:

  • You are starting or building a family.
    Healthcare is always a good thing, but the challenge in your case is the very tight budget. In this case, I would actually recommend you to focus on getting life insurance first, and really saving up for the emergency fund prior to getting additional healthcare. I would also recommend that you start saving for your child’s college tuition already if you have excess money. So invest in this Kaiser plan only when you can really afford it, and all the other necessary steps are already covered.

If you did not belong to any group above, sorry for missing out on you. But I believe with these examples, you already know the befits of the Kaiser plan.

Abouit J3 Patino

This review was written by J3 Patino – the founder of Pinoy Money Academy and an independent Registered Financial Planner. J3 helps Filipinos understand investments and other financial instruments so that they can make the right investment decisions and achieve their financial goals.

 

What is the International Marketing Group?

by J3 Patino

IMG’s Mission

The International Marketing Group’s (IMG) mission is simple,   No family left behind.

IMG seeks to make each and every Filipino family financially literate, financially stable and of course help them achieve their financial goals. And this mission is seen in their education focused marketing.

When you were invited to the seminar, it was a FREE Financial Literacy seminar. Whether or not you buy the products, you learned about:

  • the X-Curve Concept of Responsibility
  • The Rule of 72 in Investing,
  • the 6 Steps to Financial Freedom and
  • many others.

After that, you also probably received the personal coaching – depending on the skill of your coach and your willingness to participate then you could get a lot of financial insights out of this session. Again, you get all of these regardless if you choose to buy any product or not.

This is one unique aspect I’ve observed with IMG as a broker – IMG’s priority is focused on education, not sales. I think it has this luxury because most of its agents DO NOT HAVE QUOTAS. And when agents do not have quota’s they can really take their time in teaching the customer.

For instance, there was a case wherein during the coaching, the participant said that she was still buried in personal debt amounting to about P300,000. Now here’s what a typical sales agent would try to do, try to sell the person insurance or investment to cover for the debt payment in case of death… Then when the person can’t buy, then the typical agent would already move on to the next customer.

In IMG, the person was told NOT to buy anything. Instead, she was taught to focus on repaying her debts FIRST! She was also educated on tools on how to budget and coached over the long-run. (All for FREE!) It took the person 3 years to become debt-free. And all this time, the IMG coach was helping her and giving her motivation that she could do it. When she was already debt free and had an emergency fund, that was the only time when she was given advice to buy insurance and start investing. This is just one in many instances wherein it is clear that IMG is focused on helping families build a solid financial foundation, rather than making a sale.

IMG as a Brokerage

IMG is a financial brokerage. It is a distributor of financial instruments from healthcare plans, insurance, mutual funds to real estate and many others. So as a broker, take note that IMG is not the manager of any of the products, rather they act as distributors.

Meaning, if you decide to invest in IMG, you’re not really investing in IMG but with it’s product partners. If you bought PhilamLife life insurance, then you technically invested in PhilamLife, not IMG. If you bought real estate at Ayala Land or Vista Land, then you technically invested in Ayala or perhaps Vista Land, it is not IMG.

Why is this distinction important? It’s because we frequently ask, the question:

Is my investment money safe with <where you placed the investment>?

So we have to realize that in all this, you should not be asking “Is my money safe with IMG?” IMG is just the broker, it just gets a commission from the sale. It is not where your majority of your money is going to. Rather you should ask… “Is my money safe with the <product provider>?“:

Ask instead: “Is it safe with PhilamLife?”  Or perhaps Ayala? Or maybe First Metro? Or PhilEquity?

Half of being a good investor is knowing the right questions to ask. Because if you ask the wrong question, then the answer is actually quite irrelevant. With that cleared up, let’s move forward.

IMG’s Stability and Credibility

It is because of this focus on education that IMG has gained several reputable endorsements. For instance, Bo Sanchez, an international motivational speaker and preacher has repeatedly endorsed IMG publicly in his seminars. Rex Mendoza, the former CEO of PhilamLife is one of IMG’s solid partners. Fitz Villafuerte, a very prominent financial blogger, is a financial advocate of IMG. There are countless many others that will gladly and proudly say that they are partnered with IMG.

We will discuss Kaiser and the Kaiser Ultimate Health Plan  in the next articles.

About J3 Patino

J3 PATIÑO is a personal finance consultant dedicated to teaching Filipinos around the world, how to achieve financial freedom and financial abundance by understanding the world of money, in a simple, practical and very-easy to understand way.

J3 is the founder of StockMarketforPinoys.com, the remarkable online website that teaches Filipino’s how to invest in the stock market in the fastest and simplest way possible. His E-book, “The Stock Market Jumpstarter” has been shared all over the world because it has made the complicated stock market world, very easy to understand, even a grade-schooler would get it.