SMDC and Img/keiser

21/01/2026

How do Filipinos deal with healthcare?

1) WALA. Some do not even have Philhealth because they are informal workers. So if they get sick, the solution is utang or beg.

2) PHILHEALTH. Common for the working Filipinos but KULANG because it cannot shoulder the full cost of healthcare. Healthcare is not just hospitalization. Healthcare also includes medicines.

3) FAMILY. Some Filipinos rely on their family to help them in times of need. This is not really reliable and is unfair to the people who end up paying for others. Bisan usaon nato og kanta nga family is love... kung problema na gali sa kwarta ang istoryahan, naa gyu'y masuko, naa gyu'y ma-hurt.

4) COMPANY. Some companies have good healthcare programs but it is only good while you are employed with them. As soon as you resign or get fired, you will no longer enjoy that benefit. You cannot work forever. Do you really want to work forever?

5) Prepaid health cards and coop health insurance. This is a cheaper alternative than applying for individual health insurance. But this is only short-term. If you are not able to use these health cards, the money you spent will not go back to you.

6) Long-term healthcare. Payment period is only 7 years. You just need to save for 7 years and wait for your money to grow. If you don't get sick, you will get a bonus for being healthy. Kaiser's long-term healthcare program not only has health benefits but also life protection and investment.

Consider getting a Kaiser Long-Term Healthcare program. This is a good investment.

29/07/2024

17/09/2022

Alam mo bang pwede ka mag-invest sa JOLLIBEE at ibang mga BIG Companies at maging SHAREHOLDER nito? 😃

SAFE, LEGIT & SECURED...
kahit sino ay pwede maka access.

1.) Walang time mag-monitor
2.) Walang time mag-aral ng technical analysis
3.) Hindi kalakihan ang capital

We suggest to invest INDIRECTLY sa stock market thru Mutual Funds for as low as 1,000 pesos only 😊

👉 Benefits of Investing in Mutual Funds:

☑ It is professionally managed.
☑ It is very liquid.
☑ It is diversified.
☑ It has a low minimum investment requirement.
☑ It’s very transparent.
☑ It has strong track records.
☑ It is safe and secured.
☑ Zero load fees
☑ The gains are tax-exempt.

For more details, message me directly to assist you 😁

10/09/2022

Hanggang saan aabot ang 𝟴𝟴 𝗽𝗲𝘀𝗼𝘀 mo?
Mag-ipon lang ng 𝟳 years 𝗶𝗻 𝗼𝗻𝗲 𝗽𝗹𝗮𝗻. May 𝗛𝗘𝗔𝗟𝗧𝗛𝗖𝗔𝗥𝗘, 𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 at 𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧 ka na.
The 𝗯𝗲𝘀𝘁 𝗶𝗽𝗼𝗻 na 𝘄𝗮𝗹𝗮𝗻𝗴 𝘁𝗮𝗽𝗼𝗻.

𝑯𝒐𝒘 𝑫𝒐𝒆𝒔 𝑲𝒂𝒊𝒔𝒆𝒓 𝑳𝒐𝒏𝒈-𝑻𝒆𝒓𝒎 𝑯𝒆𝒂𝒍𝒕𝒉𝒄𝒂𝒓𝒆 𝑾𝒐𝒓𝒌?

It’s a 3-in-1 product that solves the 3 major Financial Needs of Filipinos:
- LONG TERM HEALTHCARE
- DEATH AND ACCIDENT INSURANCE
- INVESTMENT

3 PHASES OF LONG-TERM CARE PERIOD:

1️⃣. 𝑨𝒄𝒄𝒖𝒎𝒖𝒍𝒂𝒕𝒊𝒐𝒏 𝑷𝒆𝒓𝒊𝒐𝒅 (7 𝒚𝒆𝒂𝒓𝒔)
You start saving for 7 years while getting the following benefits:
✔️- Free Annual Physical Exam
✔️- Free Dental Benefits
✔️- Waiver of Installment due to death
✔️- Transfer of investment to beneficiary if planholder dies
✔️- Waiver of Installment due to disability
✔️- Basic Medical Benefits
✔️- Member’s choice of room and board
✔️- Free Hospitalization with Annual Benefit Limit (starting at 50,000/year depending on the plan)
✔️- Life insurance equivalent to contract price
✔️- Accidental Death and Dismemberment for 20 years
✔️- Lifetime network access to over 500 major hospitals and pool of doctors.

2️⃣. 𝑬𝒙𝒕𝒆𝒏𝒅𝒆𝒅 𝑷𝒆𝒓𝒊𝒐𝒅 (13 𝒚𝒆𝒂𝒓𝒔)
As a health savings product, the funds are invested and allowed to grow at an average rate of 10% yearly. You stop paying and wait for the money to grow thru compounding interest. Kaiser invests in mutual funds handled by Soldivo and Rampver Financials. Benefits include:
✔- Same as the accumulation period but all health/hospital benefits will be deducted from your Kaiser fund.
✔- Additional Health Bonus when the market is at top performance
✔- All diseases covered including pre-existing conditions, critical illnesses, dreaded diseases, and maternity/childbirth.

3️⃣. 𝑳𝒐𝒏𝒈-𝒕𝒆𝒓𝒎 𝑪𝒂𝒓𝒆 𝑷𝒆𝒓𝒊𝒐𝒅 (𝒃𝒆𝒚𝒐𝒏𝒅 20 𝒚𝒆𝒂𝒓𝒔)
Upon maturity, the plan holder will receive the following benefits:
✔- Total accumulation of un-used health funds
✔- Guaranteed longterm care benefit or the plan coverage
✔- Long term care bonus (up to 85% RETURN of premiums/moneyback when no claims are made during the accumulation period or within the first 7yrs.
✔Additional health benefits when the market is at top performance.
✔ Receives visa card where the funds are deposited.

Options upon maturity:
- Withdraw all the money.
- Withdraw a portion/interest only and growth continues.

Retain all and let it grow at an average of 10% Yearly.

Kaiser covers your medical bills when you're sick. But when you're healthy, Kaiser saves and invests your money for future use.

This is NOT your traditional healthcare where you pay every year, but has no returns/savings when you don't get sick.

The Kaiser long term plan covers beyond 60yrs old & above based on the health funds accumulated.

Visit this link to Access
https://bit.ly/CreateKaiserQuote

01/09/2022

BASA❤️
Marunong ang may Alam

Huwag nyong iasa ang kinabukasan sa SSS at PAG-IBIG lang.

Kumuha kayo ng insurance!
Hindi yan gastos
Pagmamahal nyo yan na hindi dapat na natatapos kapag wala na kayo.

Mahal nyo pamilya ninyo?
Dapat tuloy ang buhay nila kahit namayapa ka na!

Para sa akin yan ang tunay na pagmamahal!!!!!

# get kaiser 3in1 may health care insurance at investment

# Manila bankers life insurance it's affordable

Pag member ka IMG easy Mona lng magaccess Ang mga insurance na Ito

Be wise po Tayo wag puro travel goals Ang mindset magiging pulubi later Lang kayo Kung ganitong mindset meron kayo.

For more details send messages directly
Https://120562hk.imgcorp.com

26/08/2022

CREDIT TO RAMPVER FINANCIALS

Personal Finance Rule of Thumb #1: 50-30-20 BUDGETING RULE

Most people save too little, and unknowingly spend too much. The 50/30/20 rule of thumb is a way to become aware of your financial habits. By spending less on the things that don’t matter that much to you, you can save more for the things that do.

The 50/30/20 rule of thumb is a guideline for allocating your budget accordingly: 50% to “needs,” 30% to “wants,” and 20% to your financial goals.

TIP: Having this rule is good for budgeting purposes, but if you want a more effective system to build wealth, we encourage you to practice the formula: Income-Savings/Investments = Expenses, wherein the priority is ensuring that you are able to set aside funds for savings/investments on a consistent basis.

---

Thinking where to put your 20% allocation for financial goals? We're here to help you!

We will guide you in the step-by-step process from selecting the right investment product for you that matches your objectives and risk appetite, setting up your account, to knowing how to maximize your earnings potential from these investments.

The good news is you can start for as low as ₱1,000! Amazing right?

Lamang ang may alam sa pang pinansyal
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22/08/2022

Kaya pala maraming teachers ang member ni IMG at ginagawa ang mission☺️🙏
TO ALL TEACHERS OUT THERE, TAKE TIME TO READ
If it is not hitting you then this message is “not” for you.👌👍

The absence of financial literacy has an adverse effect on an individual, family, and community.

"Two new laws, RA 10679 and RA 10922 mandate us to teach FINANCIAL LITERACY to students. But I think, if you want to teach financial literacy to students, you have to start with the TEACHERS.” - Sec. Leonor Briones.

Why?

1. In 2016, 26,000 teachers did not receive any retirement benefits because they needed to pay their loans.

2. Public school teachers’ loans rose to almost P320 billion (P157.4 billion from GSIS and P162 billion from private lending institutions or PLIs).

3. Department of Education Secretary Leonor Briones cited the study of the PIDS (Philippine Institute for Developmental Studies) on households showing that public school teachers are 50% more likely to borrow compared to other government employees.

Solution? Increase salary?

- In the last 19 years, public school teachers received over 100% increase in salaries, 119.25% to be exact. A teacher level 1 who used to receive a monthly salary of P9,466 in 2000 now receives P20,754. If you include benefits, the effective monthly pay is P30,873.

(Source: Philippine News Agency’s article entitled “Over 100% hike in teachers’ salaries in 10 years” published on June 9, 2019
Given the above facts, ang problema ay hindi sa sahod o ang solution ay increase salary, at lalong hindi rin pagbibigay sa kanila ng maraming loans. (Though our teachers deserve increase in their salaries.)

There’s a lot of stories we’ve heard, watched on tv, on news about some teachers and some Principals who became poor after their retirement. And I’m sure you’ve heard about the story of a former principal who is now a janitor. Ang dahilan? Hindi nila napagplanuhan paghandaan ang kanilang retirement fund. Nakakalungkot di ba?
This is just one of the reasons why.

1️⃣ INTERNATIONAL MARKETING GROUP (IMG) is very dedicated in teaching FINANCIAL LITERACY to everyone since 1998 until now with a massive campaign to educate 30M Filipino Families to be financially educated by 2030. IMG wants every Filipino family to have a better future. IMG wants you to fight and cut the cycle of Poverty through financial education.

2️⃣ In IMG, we educate people on how to build their solid financial foundation. IMG is about changing people from SPENDER to SAVER....from SAVER to INVESTOR....from INVESTOR to ENTREPRENEUR.

“It’s not about having a high salary. It’s knowing how to manage it.

Want to educate yourself?
https://120562hk.30m2030.com
https://120562hk.imgcorp.com

01/08/2022

Planning for a worry-free retirement?

KAISER is the provider of the long term healthcare in IMG Partners, of which 99% of the people I talk to does not have.
I have mine already, while others still contemplate whether to have it or not.

Filipinos hardly prepare for this major expense - long term healthcare. That is why, isang sakit wiped out ang finances ng family.

Bakit nga ba maganda magkaroon ng Kaiser 3 in 1 Investment Product ang bawat miyembro ng Pamilya lalo na yung mga bread winner.

✔Kapag hindi ka na employed at binawi na nung dati mong employer yung short term HMO mo, hindi ka magwoworry kung maospital ka.

✔Kapag hindi mo nagamit ang annual health care coverage mo hindi sya nae-expire unlike short-term health care (HMO) na no refund ang premiums magamit mo man or hindi. Sa Kaiser marereceive mo ang Long-term care bonus (cash) sa maturity, if there are no consumption during payment period.

✔May kasama na syang life insurance for income replacement or protection para sa family just in case may mangyari sa policy holder.

✔Waived na ang payment kung may nangyari sa policy holder, means wala ng babayaran ang family kahit 1 year palang nakakainvest ang policy holder, ma transfer pa ang health care coverage sa beneficiary.

✔Nakainvest sa mutual fund ang health fund kaya nag-eearn sya ng 10% rate of returns at may variable earning pa depende sa performance ng stock market.

✔Good as cash sya pagdating ng maturity, So pwede kang mag-withdraw gamit ang iyong visa card. Hanggat may fund ang account mo, patuloy lang ang pag-earn ng 10% rate of returns (compounded) annually.

✔Covered ka kahit beyond 60 years old ka na, as long as you live at may fund ang iyong acçount!

✔In case of emergency, pwede magamit as family assistance.

✔Maari kang magkaroon nito sa halagang P88.23 a day mas mahal pa ang 1pc chickenjoy na may drinks & fries bes?

• Sino ang pwedeng maka avail nito?
Lahat ng nasa 10-60 years old mayaman man o mahirap
basta healthy ay qualified po
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Or please send directy message
Photos not mine

16/07/2022

Lagi nating tandaan

1. Don't buy an expensive phone. A new version will come out even before you've finished paying for it.

2. Don't buy an expensive bag. Replicas are scattered everywhere. Only a trained eye will see that it's genuine.

3. Don't buy expensive shoes. You can't walk like a duck trying to keep it from deforming with every use.

4. Don't buy expensive clothing. You can't walk around showing the small tag behind your nape.

5. Don't buy an expensive watch. A 100-peso vintage watch online looks good too, and all kinds will tell the same time.

6. Don't buy expensive undergarments. It's not allowed to walk in public wearing only a Victoria's Secret bra and panties.

7. Don't buy expensive cars. It depreciates with every kilometer it runs. Your 1.2 Million-Peso SUV will sell for only 500K.

8. Don't buy a huge house. Too much space creates distance between family members. They'll grow old and leave anyway.

9. Always settle for the justified price. You can do more with two for the price of one.

10. Remember that it's not the brand that carries you. It's how you carry the brand.

Grow old wise. Grow old happy.

13/07/2022

👩‍👩‍👨‍👩‍👧 Bawat magulang ay nag iisip para sa kinabukasan ng mga anak tama?

Pero ang karamihan ay nahihirapang mag budget.
Hinde makapag ipon para sa panahon ng pangangalingan lalo na para sa KOLEHIYO, PAG PAPAOSPITAL, PAMBILI ng GAMOT.

NOW, meron easy way na kahit sino ay pwedeng magawa.

Pag ikaw ay naging isang IMG FAMILY ay pwede kang maging STOCKHOLDER or SHAREHOLDER ni Jollibee.

At sa pag register mo ng membership mo ay may 1000 php na MATIC na naka SAVE sa FUND mo at makapag ta-top up ka ng 20 pesos.

HOW?

👉MESSAGE us NOW.
For your meeting ID👈

⚡️NOTE : PARA SA IYO ITONG ADS NA ITO KUNG SERYOSO KA NA MAKAPAG SAVE SA FUTURE NG PAMILYA MO. 😍