What Businesses are In Danger of Closing Down...

It is TIME to Reconsider your Career Path. 

You need to know and make a shift to what can make you survive and thrive beyond 2020!

Maraming hirap na nga sa trabaho nila, maliit pa ang sweldo. At dahil sa COVID 19  wala ng income tagilid pa na mawala ng tuluyan ang trabaho at mag sarado ang kumpanya. Kawawa naman talaga. Umaasa sa gobyerno, sa kamaganak, at sa mga ibang taong may mabuting kalooban. 

Check if your current Job is in peril. In other words, tagilid ba ang trabaho mo?

Check mo yang video sa ibaba nito to know what businesses are heavily affected by what is happening today.

VIDEO OF BUSINESS IN PERIL

Paano na? Dapat talaga magkaroon ng Multiple Sources of Income. Dapat meron kang sariling Negosyo na hindi maapektuhan ng LOCKDOWN. 

Pwede...Dahil ON LINE ang Tools and Systems ng IMG, we can do it even mayroong Pandemic. And we continue to conduct our Financial Literacy Mission all over the World! Walang LIMIT ang kayang abutin ng IMG. Kami po sa Truly Rich Makers team ay nasa 30 Countries na all over the World!

Kami sa IMG, we continue to thrive. We are Happy with what we do. We wake up every morning and jump out of our bed to do the IMG Mission. A Mission of Love and Care for families. To help them create wealth for their future. To give them hope for a better life. To ensure they build a Solid Financial Foundation and Secure their Future. Gumigising araw araw puno ng ligaya at pag asa. Masayang buhay sa gitna ng isang malagim na PANDEMYA. Tara, aralin po ninyo. Para kasama namin kayong tumulong sa mga kababayan natin harapin ang hirap ng kasalukuyan at bumangon patungo sa isang maunlad na buhay!

Check din po ninyo ito : BE AN IMG MEMBER

Why is Kaiser Level 1 INVESTMENT

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I. What is Kaiser Long Term Health Care?

It is our prime product in providing a long term healthcare beyond our senior years. It provides the needed security and protection for our healthcare needs on our retirement years. This will ensure we  retire with peace of mind as we will be assured that we have money for our healthcare needs.

However, Kaiser is not a pre-need for you can use it as soon as you pay your first investment. It is also accredited by major hospitals such as Makati Medical, St. Lukes, Asian Medical among many others. It is registered and controlled by  Government regulating bodies: SEC-Securities and Exchange Commission, DoH- Department of Health.

When we get our  Kaiser Long Term Healthcare, we actually get not just a Healthcare but also , Life Insurance, and Investment rolled into one. A portion of our funds goes to Mutual Fund  Investment and the funds are managed by no less than the best fund manager in the Philippines. In essence it is a complete financial plan. 

When I was employed, I was given a short term healthcare. It is my protection in case I get hospitalized. I am covered with an insurance that in case I get sick or hospitalized, I have a card I can use to get into a hospital and pay for my bills. It is short term for the company pays it to cover me just for one year and for as long as I am with the company. It is paid every year whether I use it or not. Nothing is retrieved back. It is popularly called HMO.

As differentiated from this short term health care, Kaiser is only paid for 7 Years , and you do not have to pay afterwards. Unlike the Short Term Healthcare, Kaiser Long Term covers you beyond 60 years of age. In fact, for as long as there is fund in your Kaiser Long Term Health Care, you  can continually use it. Not just for hospitalization but for anything, for anyone, anywhere in the world after the  20th year for Kaiser Ultimate . Kaiser also gives you the advantage to retrieve back what you pay if you do not get sick. When it matures, you gain back more than what you have paid. 

II. Why is Kaiser Level 1 Investing

In investing, we learned that there are 3 major factors we have to consider. These are: Amount of money you invest, the Rate of Return , and the Time you allow your money to grow.

On the Rate of Return, we also know that the higher the Risk we take, the higher the rate of return we can have. Since Kaiser is guaranteed to yield no less than 8% interest annually after it matures, then it offers the least risk versus direct investments in the Stock Market. So it qualifies under Level 1 investment alongside Savings Deposits, Time Deposits, Corporate and Government Securities/Bonds. But,  definitely, Kaiser offers the distinct advantage of a relatively higher return than most of these Level-1 Investment vehicles you can ride on. 

Kaiser offers also the advantage of disciplined approach in investing for all our major financial needs: Healthcare for Old age, Insurance Protection, Money for Retirement Needs, Emergency Funds. All Four in One needs which you can start up to invest on with very little amount of money as low as 88 Php per day.

I consider it also as level 1 not just because of the guaranteed growth but also because it also develops the habit of investing. For first time investors, the real challenge is not how to pick the investment vehicle that gives the highest return. The challenge is really how to make sure we keep on investing. In other words, the challenge of a new investor is really to develop the habit of investing.

Finally, I consider Kaiser as the first level of investing for it answers the basic investment goals and it guarantees success no matter what happens to us. If we live long and do not get sick we win. If we get sick while investing, we win. If even on the worst case, that someone who has Kaiser dies or is disabled, he still wins. Why? Because in any of these aforementioned circumstances, you or your beneficiary will have benefits or gains from what you invested in. 

III. Why Do We Start with Level 1

IMG Members who opt to pursue the Business Ownership Program needs to get into Level 1 Investing for we want to do our own investing the proper way. We want  to make sure we follow the Solid Financial Foundation. We want to be financially secured and succeed in our own investing. We do not worry whether the market goes down or up for we are assured that our money will grow no matter how the market moves. We need to Walk the Talk. We have to Model the way of Building a Solid Financial Foundation.

Once we have our Level 1 Investing and we still have extra money for Level 2, then we can proceed with our Level 2 Investing.

What is Mutual Fund? Why is it LEVEL 2?  Read more about it on this Blog Site.

If you want to JOIN IMG, or get your LEVEL 1 Protection, just give us a call or text at 0920-902-1217 or email us at richbenj.santiago@gmail.com.

Be blessed!

Benj Santiago
Senior Executive Vice Chairman IMG
Truly Rich Makers Founder

3 Levels of Investing

Investing is always tied up with a Goal...and therefore there are different vehicles appropriate for each goal. 

In my investment experience I did three levels of investing. The Level 1 investing is Kaiser LTC, to develop my discipline or habit of investing. Our very first task really in investing is to develop the habit of investing. Then, the next step is to master the fundamental and technical analysis and find the best investment vehicle to achieve high returns. To hasten this, we simply need to find a coach and develop the habit of investing. Invest therefore on what will make sure you succeed.

The Level 2 I have is the Indirect way of Investing in Stocks. This is through Mutual Funds. We allow our money to be pooled "bakas bakas" with many other investors and we allow an expert (Fund Manager) to manage our investments. This will allow us to be diversified with even just minimal amount of investment. Moreso, it allows us play it like the "big boys" through our fund manager. Because we no longer represent just the small amount that we personally invested but we are represented by the total pooled investment which is more significant and really would have impact on total investment in a company the fund manager choose to invest in. 

The 3rd Level is Direct Stocks Investing which I consider is the highest risk and thus requires a closer coaching and monitoring. My favorite broker for this is Abacus Securities with their MyTrade Apps. They come out with daily push notification on our stock picks. We also get  regular training, and coaching so we can achieve the best returns for our hard earned money that we invest. 

As in our own experience, it is exciting to jump into level 3. But, I strongly suggest we do it the proper way... Check out financial planning books on how to do Solid Financial Planning... If you want I can also show you how.... check out MyTradePH.

If you want to Learn and Invest in all 3 Levels of Investments, feel free to contact us NOW at 0920-902-1217 or eMail  richbenj.santiago@gmail.com. We will be happy to guide you and get you started!

God bless us all...

Benj and Fel

PS: Get Educated Before You Invest. Read the details and comparison of each Level of Investment.

How did we Do it?

Fely and Benj Sharing their Mission