Financial Literacy Campaign for Filipinos - IMG International Marketing Group

negative on the loose a of epoxy my buddies [Music] yes of course sake I need some of a non-metal then this is the right channel for you I'm a comedian and I ran from the dirt to your channel [Music] [Applause] [Music] hi welcome to building your future orientation seminar so in this video I will be sharing with you the very same seminar that I've attended seven years ago that have changed my financial life it was a seminar NATO attitude on to the basics of how I'll be handling my finances and since then marami akong concept financial concept and tuna now plays a Boyko that actually changed everything about my finances so I'll be discussing more about this book the secret to saving and building your future book that will help you build a solid financial foundation and help you become your own financial educator so let's begin let me introduce myself first I am really you are I'll be doing this video and most of our financial coaching is with my husband Andrew familiar Twitter we are Co marketing director of international marketing group we are also licensed as shaped financial planner I've been part of the companies in September 2012 so seven years now also an intrapreneur and investor on your left-hand side I'll be sharing our slides so that you could follow so who we are I am G stands for International Marketing Group so we are one of the biggest and fastest growing financial service company in the Philippines and abandonado an immense IMG so basically we SS people who want to help themselves achieve financial security through financial education and building a proper financial foundation so our priority actually needs to educate people about their finances what is a proper way of building a solid financial foundation so we also have established partnership with the biggest companies in the financial industry we will talk more about this later on on this video but just to give you the basic we believe in financial education but we also believe in financial execution okay under national company the mission of the company is to help create wealth for families we believe no family should be left behind baka Kia basically know whom multitude and more how to handle your finances or if you become financially well I'm priority the Patna aim is to teach our family the passing lane oh nana Tengu stomatopod named about family of nominee few if we are financially ok very unfamiliar taking even attend so I'm beneath na mean many people today are financially struggling due to lack of financial information so it's not the lack of money most of us microbiome on my income the man peril in the Elanco Onondaga business apparently Nikita so lack of financial information ok so this is the campaign of the company you can see as you can see it on my shirt we are actually targeting to educate 10,000,000 financial educated families by year 2025 hence we are doing such videos like this farah naaz mohammad coming buddy ciao all throughout Indonesia Filipinos but all over the world so like what I've mention we have financial centers and you have trainers all over the Philippines who's educating our fellow Filipinos parameter to how to handle their finances but not only in the Philippines Meredith tyoma financial educators and campaigners all over the world so right now we are based in Dubai so that's what we do to educate Filipinos here in UAE so we believe knowledge is power ok so I'll be introducing to you two very influential people that have contributed for this book one could be mr. Xiang nian is the executive vice chairman of WSB and whe in the USA wf3 stands for World Financial Group according to him we need to change that we need understanding first minute of nano man to embrace change parent in attaining intend a handlebar so this book is help or partly helpful for people who want to move from financial insecurity to financial security not know my security Lindon to synaptic massively but to be financially secure so it is super step over the better financial future and possibly becoming financially independent another is brother bo Sanchez he's very influential in terms of mine finances because I am a regular attendee of the VSP ICC before they join international marketing group and it is bad ending the feast and opened mine Co about investment and according to him this book will upgrade your financial life so for you to him friend this book is your ticket to upgrading your financial life read it devour it the stolen module eliminating devoured I think what he wanted to say is numb the meaning every word Monica's gonna be possible and share it with people who need financial revolution in their life ok reality monetary or reality number one when it comes to securing and saving their future many good people fail McClelland Ababu Tina mentioned our parable here abscissa para hey ba many hard-working people fail napa pacific naman yung Buchan sbrick nomura passion other business maybe Papa Schadt vinacapital taro here a potential financially smart people people fail macademian immense inertia pero but the things are discarded about finances mezzo lacking young people fail bata preparedness Alta Indian elephants and agility Nikita all people failed to man Dan Akaka trabajo pero he'd apparent financially teachers fail engineers and doctors fail supposedly de Padma contains audit Omaha professional Canada the buffer back Akira Peninsula financially so many end up retiring without enough savings these people don't set out to fail they do because they fail to plan and manage their personal finance so it's just a lack of planning well animal saguru apparently nominal the London retirement the helix ELISA paradise so most of us if not all the moment not committed I'll embed our planet an eternity is to have a better future there are because of lack of planning ahead or a retirement for a future so is still a lot of us end up retiring poor so they lack financial education reality number too many people believe that financial education is only for the wealthy when you invite someone to attend seminars about investment about how to handle their finances most people would say in a deeper Indian Affairs opinion I think it's only for the wealthy cuppa gusoff on investment or suffer about finances Valentin's Imam a young man so that is not true many people think that the only solution to financial challenge is to borrow money this is the sad truth about financially struggling a woman in accepting of a operating money remember ah reality number three many overseas Filipino workers work hard for twenty to thirty years and still end up retiring for makélelé behind editor demand honest abroad beta panel - or beta 5 mana before humanism Filipinas for pelican Pilipinas when they retirement and a normal economic chameleon in even de la mañana para pagina Pilipinas wanna even got back Oh forgive each lagna measure of Kira before mag abroad noon an outgrowth of the financially casa camba get a pneumonia paper after mega brought back to poverty okay now so we will be discussing chapter one of the book no knowing the basic financial concepts it's very basic very simple enough only apply not a necessity of salinity in a gorilla the plane of insulting finances will make a huge difference in terms of financial life so financial independence not only a dream most of us if not all once we start earning money tomorrow the mental Agana thing is to have financial security liebe MBT sure most of us may Malala better O'Neill on your double vanity Macbeth it's something that we need to prioritize so financial independence not only a dream it is a priority that every person should be poor so they control of your future by learning how to first make money making money to do so convenient this is something natural to us something nylon nylon not a component of it but I start a pin oye de bah right now we are working in Dubai or we are based in Dubai gather a notice for Nikita oh no in my five years of being here Samana pilipino panic in being a man you knew field Nia are in the unit in a post nervous I became a final tribal name your last name for the sake of being able to earn money and provide for the family the proper union gathering everything in Italian go in para Pagar la trabajo some of which even the excelled in civilian Camino Metallica in film yeah so making money what I can probably imagine but saving money mizuiro all the more growing money and protecting your money so just for PASOK's a picture is a IMG yes marina bio how to earn money my disgust in a value of I and I think I wanna para para una compare our own Indian Indian unify nominated now in Burma Sakura finances nothing I am table teach us how to save money grow money and protect our money so no one else will do this for you unfortunately do you know someone in your life that can sincerely tell you okay la maquina katomina para las cosas melodia a combi holland home even an para para co a combi hollom at Sydenham para para ser upon b'hala madrone param bahala not to take comparable you very lucky if you have that's one person your life but most of us if not all well and in here so this is something that we have to DIY re do it ourselves okay so building blocks of a strong financial foundation like building a house gaya dominic pangborn and samba haven a son building or structure in building our finances we must build it from the ground so you build up an investment there are proper steps on building a solid financial foundation so you should consider your health care and protection as a priority if you know this the first two steps would be to have a health care front and life insurance but if they are you not for your eating let me explain to you even if you save a few hundred pesos a month but have no health care and life insurance it will not take you fart when you get sick disabled or die suddenly your savings or last very long say for example yes you have an investment hundred thousand good enough amount of money but when I come healthcare are five and well unlike insurance coverage 100,000 coming like amicus okay the question is how Dan Sanka Kali and HIPAA the most Orthodox and mauritania hundred thousand investment in terms of your medication what if he be not a sack a big long nomicon breadwinner in a family well as on life insurance coverage under the lane on suhaka Ratan hundred thousand eighty one yeah so Familia de ba so getting long-term health care and life insurance are the best investments especially cup of mini build mobile wealth more so strong foundation will resort to you having sturdier finances that can withstand any money related storms and earthquakes following this fine building blocks will help build and secure your financial future so many thought strategies of the wealthy we will be discussing now the strategies of the vehicles when you buy monotone and of course most people spend money and save what is left so what am i and oxide pain once I receive you better if spending on a most of those money quani method is the same but wealthy people Biba wealthy people save money and spend what is left I got a vimana Singapore limited is spin so most people consider health care and insurance as an expense no focus on health care insurance Gastelum Han but wealthy people consider health care insurance as an investment bucket thus it they understand the importance of having a health care and insurance coverage most people work hard for the money why wealthy people that money wait for them to Commissario and when money is already working for you so the difference between the wealthy and most people is the way they think about planning their future wealthy people need to millennium thing in LA they plan ahead of time while most people they plan for the next day off they plan for the next vacation family long term planning so the x-term concept this is the story of my life actually see this one of the concept that financial concept that we are teaching here in ing so if you notice there are two liners so the red line and I keep an odd thing is we call it the law of decreasing responsibility and the green line from the left going up we call it the law of building wealth so during a younger age and having it not then is to be able to build well my PO Box on your responsibilities so that pathetic nothing and retirement years much my personal wealth nothing papa your responsibility now okay so younger years you work hard for the money to reorder all the years uncle not in this money should be working for you now but in between there are two uncertainties Nina penal ample supply of oil so the first question is what if you died too soon what would be the solution if you're the breadwinner of the family if you die too soon but no problem aside any bad parenting so make even a thief a minion Athene big problem for them so the solution would be insurance the question is what what if we need to long this should be good news the bank owned a patent on properly better wind in a pack and are well on savings rollin deep on this is definitely a good news Sulu take care of you so the answer would be investment and long-term health care so mathematically an investment a long-term health care people putting investment belong okay even say for example you have huge investment during retirement what if big lack of Motta's ahead so your best option would be pull out your investment public about what they consider on that investment so you no longer have investment boom a link a pair of a lock on savings and although what about your basic needs so that's why it should be separate investment for your basic needs long-term health care for your health care needs during the retirement chapter 2 of the book will discuss about choosing the right health care for you so in the Philippines this is a sad truth a lot of sick people die not because there is no medicine or treatment available but because they don't have money to pay with this course but mainly Kazakh Marin Amundson and Ahmad Burundi mahapanthaka more than in Whelan Papa Hamad that's what it means neba so say for example piglet I'm Mikasa head right now seguro because we're still working we can afford now magnets executive you made so comfortable I even pay words so metallic bang boom Alan Lima has a comfortably but the question is during your retirement years from Kalin both Eastern Nevada Illuminatus names appear favor by not being or a four-carbon I think if Adam Eaton studied Anatomy for Humanity Caribana Deepak I'm sorry nothing on a comfortable way the back so the final test of a good health care so we develop a Sebastopol alumni health care coverage so to help you identify what would be a good health care for you so this would be for questions that you could ask yourself so press does it have both short term and long term health care coverage next does it have guaranteed renewal does it have guaranteed savings and investment and the last does it have life insurance or protection coverage chapter 3 of the book will discuss about understanding the purpose of insurance P purpose of insurance insurance is for protection should anything happen to you when insurance is not a fun topic which is true and you know when I was growing up when I was younger this is topic 19 I made Machado pinochle supports a family forever in Visalia but internship in a gusoff and my parents even my co-anchor began Amina Gustav and Cara most of the answer would be like insurance like Yoho we introduced a fanfare and vinegar had done to implement I enjoyed but right now what I notice people are more open to it but still due to lack of financial information and education people falling into buying wrong life insurance so in this chapter we'll be discussing with you first the importance of life insurance and pana bomb identify home attending to internal so when insurance is not a fun topic it is a critical part of your financial strategy most people have good protection on their houses and car but you have enough freedom you know what this is true pepper cumin in and luxury car mahadeva so definitely Miriam coverage comprehensive fell apart Nakata unum bhai leather nakka nakka housing load by a for-sure whole group but the person paying for the house and paying for the car or the person riding the car and living in that house but personal insurance name Ossipon an informant alone said you'd be Nakamura Chang something's wrong about that because Cinnabon in her important thing except more among the three in the house occurred and you will see no bug in comparing the back so that party nahama link over it should be you to see you are your most important asset okay chapter four we'll discuss about managing dance effectively it's one of the topic natal economy then you began a min a priority because unfortunate there's a lot of Filipinos maybe not only Filipinos but a lot of people due to lack of financial information and education they fall into death and then at a such time then indeed until I learn how to get out of it so why should we manage our debts if you don't know how to manage it that eventually if your that will manage to and even your social life so that can turn into a disease it could control your life diminish your happiness and limit your freedom you can never be truly free until you are dead free okay so I'll be sharing with you a few tips how you'll be able to manage your debt so first so control your debt or death will control you first would be festive with we pay off your credit card debts in full and on time common mistake but the things a credit card would be just to pay the minimum that is wrong the balcony on the hajdu accommodation a Hydra pay it in full second don't get into more debt link below your command to American an existing the Multan now Europe and Canada mind mister simple strategy would be our simple tip would be open and octagon Reba and in below your means quantonium kya etosha heavy number 3 use cash or net debit cards this one of the strategy other what I have an existing out and right now this one of the strategy Nutella Ghana we maximize as much as possible we pay in cash or in epic cards the Samaritan psychological effective when you pay something because from the monomer on was more CEO so volatile if I suit you think twice unlike if you're feeling through credit card if you're not mindful about it you pay you get something you paper credit card may not work I'm proud of in Ritter in parallel on the Bauer stereo so intendancy is you just keep on using your credit card so who can use equal show a much better use cash in Allah or use debit cards number four spend on this asset is not unlocks reduce before you buy something in twice or more okay no no but alligator no is it something that we believe more better Matecumbe elements above anymore or support or more so it's just even if naka Celia it's still a waste of money look if you buy something during the minimum falafel on number five make a list of all your debts and pay them off one at the time so this is very important for me existing the debt must maganda a la matanza so maritime this time we know specifically for mechanic while insisting the automobile an occupier and and if you can put a date container nothing target the mob a are very much better tip number six of course increase your cash flow the bigger your cash flow the faster you can pay off your debt consider liquidating your savings and I'm income producing assets say for example you have assets or properties many na manja income generating also I they'll only be namaha página comic right now why not consider liquidating the asset so that you feel of your death number eight Shane Sherman in mind said that is not a solution but an abstraction like what I've mentioned really year it's not it's not correct or in DePalma known a half a marathon financial struggle I want another night is it is simple may become hit of an affair okay so that is not the right strategy number nine we pay your mortgage the faster you pay your mortgage that must mean late or in a big decrease of interest so chapter number five building an emergency fund so this is a sub this one of the an important financial concept metaluna cosa energy and it has saved me in many situations why do we need if I'm because in the life of a person emergency happens Biba since now it's an emergency we don't know when it couldn't happen get back so the question is are you prepared for this emergency Santa battle when emergency comes are we ready neva what are some samples of an emergency very basic emergency would be loss of job or income emergency Talladega I do not wanna come late winner in our family more Villa Hana Elenin work obviously because of that money can a source of inta emergency and for the whole family hospitalized for extended time tragic death in the family catastrophes typhoon flood earthquake so no no matter how much planning life leaves unexpected things still happen say three to six months equivalent of your total expenses hey what does it mean say for example Dometic on another phrase example loss of job or income if you're the breadwinner of the family American as a partner at least three to six months of your theta6 mass equivalent of your total expenses well a common award it's like giving yourself an allowance for three to six months now firemen mocked by a young man died a million on food Marin compromise ah - Heineken Newark and the such time I replace Mona yo Robin oh no nahi demo file on one here on Anna Faris a fight said no okay Marissa pan is something separate for your investment Paragon for emergency lunch and you'll be using it for emergency purposes okay so chapter number six saving the very quickly noticed I'd like to emphasize over it right Dillon ethics in have been a saving what we mentioned is saving the right way so medical a proper way of saving okay so this chapter is all about that now Anna Munakata so sorry demo can you read with me one two three I've been working hard all my life but I wasn't able to save anything worried did my money go in Tagalog pero antic Hakuna Matata bajo well I'm putting on the eboard whatsoever sign up content better I don't wanna babysit anymore if yes this could be the possible or insult it's because we're using the wrong formula and saving so on obeying formula name it opposite on assigning support million a todos so the Red Rock saving formula once you receive your income you - your expense after the expense come economy materially be saved the question is mean a picutre bar there's after your expense we're gonna be there well I'm gonna take that away I would like to see so once you receive your salary or her of course you have to pay your bills utilities you want to find some way from permanent salimos you go to the mall if you have you have credit cards you have to pay your creditors nice black coffee shops die now designer clothes and gadgets if you will look at this expenses most of these expenses are medina mansion is a city neva and if you look at the companies behind this expenses is already rich companies but look at you working hard for the salary in effect ornament hahaha go perihepatic to Bethlehem so back at once you receive designer in a pinnacle app a nothing una nothing denied a no need to summon a company state though the bath so you have to pay yourself first how do you pay yourself first by using the rabbit saving formula so pain yourself press is using this formula for exiting Purnima once you receive your income you - your savings and then receipt their expenses in your lifestyle the back compared is a formula Hanina a priority veto is in savings you formula Hanina the priorities expense the back Safa canina financial independence not only a dream it's a priority that everyone should aim for if you're using this formula it's only shows that your priority is saving and investing neba not spending your money so according to Warren Buffett do not save what is left after spending but spend what is left after saving we will also suggest a better saving for me this is regardless of religion but this is what we suggest and this is what we practice in IMT we call it the prosperity prosperity formula so once you receive your income you minus 10% by typing you give back to the Lord 20% per saving and out of the 70 percent remaining polarizer expenses and appointing matira to sit through your lifestyle if you can lessen by on your pump above 70% you can add more to your tithing into your saving percentage way beyond okay so how are you doing so far follow with me with this formula I'll give you the formula very definitely matahari bottle and Sagat veto because I'll be needing the number of years have been working meaning in total from the first day that you work up until now in town tonight Oh tonight a trabajo and then multiply that with your average annual income average annual income because in the year Mitaka a nominal annual income not a neighbor so put it on average so number of years you've been working into multiplied by the average and your average annual income you will know how much in total 19 otama supposedly and comparison to how much lincolni Tommo Makana do not know Sigma you follow the formula simple right so say for example you've been working for 10 years now your average annual income is 300 thousand so that partner fennekin even 3 million out of the 3 million McCamey inaudible so it's not what your net counts is what we did Garnica Gannavaram you can eat inaudible Caetano falaka yogini eternity no or salary or income phenomena source of income what a tonight vally well again so I would repeat it's not what you're in the towns it's what you keep okay understand how many works proceed mathias i investment so mr. Albert Einstein discovered this formula the rule of 72 the this formula is very simple so 72 that is constant divided by the interest rate so you didn't do not abide by depending on someone elegant a Romano so this can be use in investment also can be used in calculating nets but in this video I will be using it calculating investments so 72 divided by the interest rate meaningful Salmonella galleon paramo illinichna restoration if you pick a cell in this formula you will know how many years it will take for your money to topple elonka oven bugger the Mobley Ampera in in decimal so but I was mean Indian and he'll decide in some examples let's do a little computation say for example no rule of 72 you open a saving account in the bank 10,000 pesos man from extra 10,000 faces whose sumo finally Maha pocket Fontana so vanilla gain which is a backhoe the bath will give you say for example our 1% interest rate annual interest rate so let's use the formula 72 which is constant divided by the interest rate in this sample it's 1 percent so 72 divided by what is 73 years meaning it will take 72 years for your 10,000 to become 20,000 for your money to topple are you happy you 10,000 after 72 years will become 20,000 at 1% interest rate so phenomenally that my own mechanic element 72 years of the street value and also moment in 20,000 let's say for example he'll empower you invest on a higher interest rate let's say time deposit Hindi regular savings account so at age 29 negligee can 100,000 into a time deposit that will give you 4 percent interest rate much mapa us let's just the formula again 72 / the interest rate which is 4 so 72 divided by 4 is 18 meaning every 18 years the table impera so if by the time you only you are only 29 years old and 80 minutes so 29 plus 18 at the age of 47 your hundred thousand of us become 200 thousand let's say for example in England belong impediment on packing allowance at the same interest rate which is 4 percent so after 18 years again two hundred thousand dollars so forty seven thousand plus 18 the age of 65 year 200,000 becomes four hundred thousand simple computation valuable but my question to you is this if the math will give you four percent interest rate what will the bank do to your van with NASA of course they will invest and higher interest rate hey ba so let's say they invested it had the opposite as Matassa four percent so the meeting ethically do for Villa 72 divided by the percent so 72 divided by 26 faster liebe so if a third person must mobility to move Liam Paris on hitting a nothing is a computation by the age of 65 your hundred thousand becomes six point four million but in this equation six point four million you comedian on hundred thousand but since Indy communicate best about receive four hundred thousand goes to you six million will go to the back a Sicilian invest because they reckon even in classical preset okay now invested only at four percent okay so six million is equivalent to 30 years salary of someone earning two hundred thousand per year okay chapter seven robbing wealth through investments build long term investments a say for example this is you when you put your money in the bank because you deposit or so be nothing for example the bank will give you five percent a point five percent interest rate the back will reinvest your money into the federal government securities commercial paper stocks of equities with the lows and real estate if the path earns Prison it can't be long a deposit or they will give you in return point my point five percent belong that is a contract to them having a regular savings account what if you learn how to invest in new topics like we do niba so beautiful sand out satin our shareholders do you know similar naman personal and a guy amoeba and mutual funds sandal and a very invest you better know they reinvested in government securities commercial paper stocks and equities except for retailers and real estate because you don't find is a liquid investment the major difference here though is the persimmon tough ultimate animal preserve you being a shareholder will also same person things don't press it the only thing we need to know is how to invest into the parks so melatonin and again here in the mg the question is do you know how many fell fans were so I wish in this light are we solving with you two scenarios common very common scenarios in stock market or in even amid of an investment or so now you're a would be you state laugh at us you are galuna market so it started at ten past appreciate to master at the edge of the twenty first fresh a visa being multiplied focus on investments any scenario be it started in ten peso per share not drop middle of papaya market no Mumma buy into one peso per share not above a parabola up to four pence per share so in a midwife and streaming Machado tuning happen how we can maximize our earnings in the middle of an investment regardless cognizance in our office in our you a Dios mío okay so in this night I'll be showing with you one of the performance or historical performance of our mutual funds so what started in 1985 so one point one peso per se connect started but in July 12 2009 teen it's already thirty nine point nine one five eight per share amita impaired say for example I shall return is in twenty four and a half years is three thousand four hundred ninety-eight percent or 140 mm actual return for a year Salim Baba at the year 1995 making the scanner five thousand pesos at the time is only one point one passes fresh air began at in Mecca no name value in an investment all by now it's already one hundred seventy nine thousand eight hundred people that is money working for you what I've an ahmadi buggy no attorney you just put your five thousand pesos you bought shares in the mutual funds he needs a milonga mcafee market macro you pyramid from five thousand nine ninety ninety-five it now 2009 in your five thousand becomes one hundred seventy nine thousand eight hundred people so that's how many tokens with chapter eight understanding retirement and estate planning if you'll be applying in chapters 1 to 7 of this book definitely you'll be able to build a solid financial foundation but our main goal here is to reduce poverty in the family so Homa be built I am well very minute in Amana pass onions a big family subhana Allah damn so part of the training or on the discussion would be how to be able to prepare for retirement at the same time plan your estate ok so protect your future do you know without proper planning your assets and family may not be protected so who gets your home in peace for example mayor of an existing a property know something happens to you who get that home who gets that home second who inherits all your back accounts not forget the end of an opinion so this should be part of the plan though can you avoid family arguments over will owe your belongings and keepsakes this sad truth in the Philippines man a minute I'm not even 10 yet very tight in relationship my family nan boy if I am fearless para soon seen be properly allocated new assets no no what I am very dense pack away away name of the capital so we should try to avoid that and then do your fans for estate tax we have to understand when given a burst of a Senate for passing a state fat and to our kids and their spouse mayor fighting about me estate tax the topic Finnegan and Athena that Parma secured on Athena you family Pelican not any muffin abundance of alien activity okay so this is just a samurai's or to review Pauline Denise that's not them to be on a solid financial foundation so these are the simple steps first is to increase your cash flow so that you can fund your solid financial condition and then protect yourself first with a proper health care and life insurance but I haven't been building financial foundation oh you're well protected and then eliminate dead sea route that platinum initial McCaslin integration and create emergency fire to protect you from borrowing money and from pulling out your investment and of course invest in long term okay so sitting in Yosemite nice custom Hawking missus canina more financial concepts and you doing proper steps on how to build a solid financial foundation so let me show to you in the you difference now traditional industries a IMG platform okay so as you can see you make my two options tire in the sky okay some option a is the traditional industry and option B which is the IMG benefits okay so let me show to you Kanha binary is a traditional industry you should begin it upon any other cue if you want to invest your money and to to avail a middle fund account and to have a health care health care plan and to get life insurance so usually Department is Emma tenet out nothing agents or vamps divided impacts not offered a certain amount of it on financial products okay so America access to this companies like investment along doom anima broker or agents to go to fill on sunlight fill equity so the boat and if you want insurance or health care give me two also agent okay same thing with general insurance and with real estate okay so the new pony is a traditional industry okay so BAM agent broker will earn commissions from the product you buy so the new pony Yaron or so since Mariposa tonight assists and are inserting the moolah to get access to these companies chambray compensated the number 40 lat okay so the opponent is a option a okay let me show to you the option B which is that I am cheap benefits or IMG platform okay so in IMG we bypass the middleman unknown Ibiza bikini top so let me show to you okay so you have the access to financial companies and enjoyed the scouts from the financial products you buy and because you can become your own money manager okay so you as an IM and remember you can maximize and avail all the benefits that IMG can offer to you yeah and so if you want to invest in mutual funds you have the direct access and if you want to get insurance or health care we have partner companies and same thing with with general insurances and real estate face so annex a bohemian if number by percent and you made that man were an autonomy agent or bath mega access satin so it was a billion we earn from the financial products we buy through IMG okay so that's good news for us know because champ Ramos maganda small financial products a benefit in attain Tahoe the new home is showing divided so that is another source of income for us to build us to have a in to increase our cash flow okay so yeah so I recommend of course is to is for you to become an IMG member okay so let me discuss to you one by you more benefits in emergency I am okay so one by one point is in the discuss policy oh okay so first is financial education okay so if you become a member benefit number one you will get the free financial seminar financial workshop honey bring books okay so we will provide you the financial books that you need and exclusive benefit number two the free financial check-up okay so some financial checkup for after you become a member data properly guided Ohio so we will conduct a financial checkup with you okay one on one but uh alumni mean how to give you the proper financial advice that you need okay so it depends on your current situation okay and of course if logical next a seminar outside IMG logic Anika Bahia divided three thousand five thousand for one day of the seminar okay exclusive members price for associate financial planner certification program in partnership with RFP okay so Perico semana local members and IMG you just need to pay 1500 vs. regular price of five thousand five five thousand pesos so Nevada is 3500 no for local man for abroad members naman like paths by the conduct or non certification program founders of IMG dito so I'm gonna pop a random Nami is two thousand five hundred pesos for K versus sixteen thousand pesos so I pulled on my teat opinion no I member talena IMG okay so next is Kaiser okay so Mirko tayo membership benefit for this particular product so you can put on health care products and services nothing Marin pooyan long-term care shorter air and senior care okay so maritime an upcoming a training for this specific for Kaiser and so next is the NP life which is the most eighteen multiple options super drill hey so that is four members okay so most eighteen is the most affordable 18 year trend insurance with PDF or premium deposit fund PDF offers a very competitive rate of return with zero negative and zero charges PDF can be withdrawn any time a premium that will fold you may be deducted from PDF Ibiza be a rugged emotional buyer on the set next understand next year you premium automatic on McCollum on no mechanic not eat a ramen on PDF mode it ended up in a dog sir Guillermo okay so for example for each 30 okay so you just need to pay five thousand seven hundred ten pesos and one or maybe seven per app per per year for each oh okay so in the put two monthly quarterly or semi-annually this is for a year so 5710 pesos sample okay and next is the fifty thousand life insurance okay this is given behind done fidelity face America will tell you 50 thousand life insurance alone up in the way nice man at Dino 500 500 pesos para to sati kasama don't sautéing membership fee okay one life one time not for yet okay so next is the 50000 life insurance provided by fidelity life a so this is a with 24/7 memorial code search service tied up with Everest okay so Kalama long domain is to add 500 pairs the membership opinion okay so in suburbia and you one time lifetime membership P ok so next is the free investment seminar and mutual funds at zero entropy so we have put him on a partner company staff and a crown with shitbox sodapoppin spell equity filum asset management family and sunlight asset management ok so if open over unum we'll put fund accounts on this company's zero interface bowtie or if it's a billion every time Nana doesn't apply starting investment accounts well our facility needed up any charges so the Bahamas Melinda Jana cool for example five thousand currently in Antarctica you withhold funds so well upon deduction you knew boom five thousand a pupunta ha ha oh okay so uncle Ned and bonito lahat now top hadna papaya not a petty Maha Park open a metal fan Devon but hey they say at one one thousand per system Pentagon I'm a couple of in a metal fund account moiety bath so now kaha norlaminian okay next is access to start online trading platform with free in-person guidance analysis analysis and updates ok so partner Pune mention is my trade by abajo securities a Peruvian Samara members not in advance no no no madam Rama trading so you can enjoy this kind of benefit and IMG dominate tool ok and digital marketing so maritime benefited us I am gene Parma to Tokyo how to maximize the digital marketing okay Merc maravatio Monica mentors now she nationally own expertise nearsightedness and IMG member a next is the Everest memorial service okay so this is a 24/7 memorial concert service in the Philippines okay hitting a buoy number nine in the poor fella Towada just in case something happens no to to our loved ones no panic only pedometer to say in your images family members hey uncle on Yolanda will is the Everest on any new Kalani canta none other than the bond companies will have a bond company siddhappa Kanta but only Epirus pre-owned services are poor ing members Hey and next is the asset preservation service so protect your assets by creating your own corporation through IMG at members exclusive primer and a bow tie on higher series of training for this no young estate planning at and you can also learn more about this by attending our workshop number four as asset preservation and estate planning okay so you can say like 100 thousand pesos for this kind of benefit belong a and Veronica time free means and I am G auto program Nepal and the Panetta review time and personal I am Jean and I can enjoy for this benefit known telegin Meramec poem multiple discount and who vanilla okay and exclusive products and services global demand for okay and save money on your non life insurances premier Putin in Safari - Randy national life no marriage no general insurances and travel insurance fire insurance personal accident man and Maracaibo next is the human of infinity memorial garden maritime special discounts are memorial lots and interment packages Hey and so implementation casino canadianmom anthers no and posting a Joe Marini Larry O'Shaughnessy no next is we have IMG vision care okay so maritime free I am Jane Towser frame the low Appa in a year she was a billion every year Valentine in the lava free frames are nothing billion is you learn stamp oh okay a new frame debris Naboo yeah okay and next is the unlimited free consultation and discounted medical services for members and their immediate families okay so this is provided by Kaiser Medical Center a and half-sister ozone therapy at members price okay important up pretty Natalie enjoying 10% discount or vacant is memo Papa but Papa therapy Erica marathon your friends none IMG member nagster McDowell zone we can get it Assad the farad next is the most beautiful benefit in IMG be in the financial industry okay you can have a business and become a financial educator like us own your time online system help families the Bombers morandini believe life with purpose and live legacy to others and achieve the income you are and become debt-free okay so Mariah Peduto testimonies it was a team effort IMG telegin looking successful and taking from poverty and lack of challenges but because of maximizing this benefit the Hatala possible later our Lizarraga you can build your your business world by the Islamist Romero Internet now but the poor nothing the we new business the IMG and we can earn additional income and we don't have quota okay and we don't said if we just educate people we just share the mission of IMG okay and you can start this as your part-time Pauline yay energy business creating wealth there are 12 powerful ways to make money in IMG first is the personal Commission and so and so forth okay so it only discuss kenapa Sonia is your personal to me Shawn okay customer on-demand full-time separate training for this but I was meeting Dahanu how IMG can help you to increase your cash flow oma exciting who your training they own okay so we call it jumps to school okay at a podium business ownership program okay so let me show to you on the income projections according by Iraq okay so if you're an associate you have the 20% contra Commission okay so for example pericana total human familia it's an Familia father-son lingo so it was a big hit in one month Aparna Familia Hunico I associate so an income of Burma is NASA twenty four thousand pesos from Yama total Moya in a yearly basis that is 280,000 so so Milan to Luna did pooja Oedipa setting a papal Hannity asked lunatic and next that is promote yourself to become a marketing director so what we call is a marketing the nectar from 20% Nevada Commission Maggie 37% ultra Commission okay so from 6000 I don't suffer the familiar to Luhan more marijuana eleven thousand one hundred pesos so you income of Burma that the Ghana twenty thousand pesos No so looking 44th thousand four hundred okay so income per year is by one hundred thirty two thousand eight hundred who economy a senior marketing director so American Contract Commissioner forty seven percent not so intestine oh no contra commission so from eleven thousand since to Quadra Commission more from 11,000 again 14100 Nicosia so an income of per month is fifty-six thousand four hundred pesos so in a yearly basis that is six hundred seventy six thousand eight hundred pesos so Milan tool important Agra business and I am chief Adama bah ba-ba-bah dough or metallo entire no empowerment iota to neo Humes a good know who kind of to loosen up in mass map ability I think but we built a solid financial foundation or your young part of nothing early retirement so you need to have an additional source of income all right Merida Potter honey words mean so first V part is the travel the world okay so the mana pass a and equity no mundo especially combat ahaha okay and my smoke and I only wish I know so this is a IMG you can get this travel incentives for free okay so maritime in about conventions cruises and vacations wait yeah alright see the world okay so let me show you you pop on the poem on the Ponte hammock but saw because of IMG so last 2017 or we go to Singapore to attend the sink for convention and last year for 2018 we go to Barcelona Spain okay and this year for October we go to maja to attend the Maha Convention and this year did Paul recently done multiple homonym Milan Rome and Florence Italy okay so topo gnomes Messiah and akka travel NASA Meramec and Posada and Peter homicide though is deeply divided la Matteo must bestow Lin reservoir okay so impugn the Ponte hanami next that is world class the cognition case own me report I'm on a millionaire string tava pins ascending watch and free car okay and so will classic ignition yeah we both of us are million earning earners and CEO of IMG and some ha ha convent big conventions for Linda yeah some big conventions for Binney beginning IMG oh ma awards nah notch is not and it was a IMG okay so with champagne my MA big personalities in in the Philippines so last year poor community to see what Abunda to give to celebrate us no no ten year anniversary none Dubai okay and yeah you wanna team members namah namah namah namah bhagwate I okay and yeah married in Pattaya free HMO coverage for marketing directors senior marketing directors and executives so the Bombers maganda marrow marathon short-term health care from you company right now and Merck upon short-term health care from ilg so most modern Dona Mirana car and no allies in building wealth okay free Booya and Toronto have a lunch laminate on free coverage of 100,000 as a personal accident insurance no you man enjoin porn IMG starting October 21 onwards okay so you can enjoy this benefit a baby but then join one find me to silence you but you have this kind of benefits now Peleg on may enjoy more maximize and of course master securio in your financial future and of course Mort Obama I say I know no joint committee to say I am g-unit join me cuz it and Mort Obama I said Internet join a whole ethos I am genome 2014 I remember NASA 10 benefits them for your meronym IMG but as of now so you can see NASA 29 benefits Nepal membership benefits the IMG so we can enjoy it so in short if you become a member of IMG you become a one stop shop solution no saladna financial needs more okay so if you need health care or life insurance investment real estate general insurance and allied financial services in Dimona file an animal bus also IMG saying eternal aha no we got it all for you okay and action steps and be Matalan young going after hearing this orientation so all you need to do is to become a lifetime member of IMG okay so membership people is it will depend on the country which are attending the base okay so Erica mallamma you know whoo McCallum membership fee new on kunisada monkian comment lemkova screen below okay and give your comment let's discuss about it a paper properly panama a system in cairo properly okay and of course by by maximizing the membership benefits in Parvati pita Mahadeva positive an impure benefits not then and number two financial checkup is a become ahan inna sitting on that pad afternoon but muggy membrane and IMG properly guided over your participle building a solid financial foundation hey LM not a Iranian current situation Yaya but opponent Kayla are nothing you said by Ohio McDonough savings and investments new and after we do the financial checker okay Lana thing given is to start building a solid financial foundation in finality marina coach Riley Lincoln inna okay 3.1 invest in long-term care in having a recommendation alumni ba maja retirees spend sixty to eighty percent of their savings on health care LeBron usually know Magna Carta is a power during a voltage so but Humana upon divine in hip on a para you shouldn't open to lhasa haha cummin it was nothing i anomaly area so availed Kaiser so that is the genuine denominator commendation but I protected to your bag volume of interest and so on as you can see time sir answers the three major financial needs first is the health care protection life insurance protection and of course the investments it is the three-in-one investment three point to protect your family also who on average of course you can be like mostly in not then the Binaca achieved no pressure high empire affordable okay and of course Mary didn't put I open in a new benefit nuttiness Cusco vanina's 100,000 pesos personal accident insurance 3.3 invest in Whittle fun if the governor for your basic foundation things all finish a foundation okay so I suggest to start immediately your little fund investment okay and enjoy the zero load forever okay and the IMG advantage an imported Vantage nothing because a with this powerful membership benefits you can build your financial foundation faster boom remember can hi mg instant access consumer companies you get the Commission's you get this comes from me so must mother live who you but we did nothing huh finish your foundation let them be back and of course the best time to do it is right now take action now okay right control your future so the future is in your hands if you want to be wealthy don't let other people do it for you do it your self and be your own money manager and understand how many works and make money work for you the and so according to Bill Gates if you're born poor it's not your mistake but if you die poor it's already your mistake so by a that bad take action now multiply membrane in an IMG and start building your solid financial foundation so so in I am you can build your future faster no so okay now nothing government is take action okay so when I mention I'm a close-up of a unique Paris a new market a new one of Pauline are my Anupam even among it was a comment section o me Perico was a good not mean properly and paramaatma similar not in you but we will not in solid financial foundation

Channel: Andrew Jr. & Realyn Fabillar

Views: 30,933

Rating: 4.9300876 out of 5

Keywords: img, financial literacy, financial education, ofw, kaiser, mutual funds, international marketing group, img benefits, healthcare, insurance, kaiser img, img kaiser, kaiser ultimate, kaiser insurance, kaiser healthcare, kaiser medical, kaiser dubai, kaiser uae, kaiser saudi, kaiser kuwait, kaiser qatar, kaiser philippines, img dubai, img uae, img saudi, img qatar, img kuwait, img oman, kaiser oman, img europe, img italy, img philippines, investments, stock market

Id: RfiAS10T1pU

Length: 67min 16sec (4036 seconds)

Published: Wed Nov 27 2019