Gabay para sa Pinoy

13/12/2023

Repost!
Tip sa mga may LOAN sa Pag Ibig para maka tipid sa ating mga binabayaran. Lahat ng LOAN malaki ang interest kaya be smart yan tinuturo sa IMG.

PAG-IBIG HOUSING LOAN TIPS‼️
If kumuha ka ng house sa subdivision through PAG-IBIG, take note of these tips:

📌Always pay your monthly amortization and monitor it online via virtual pag-ibig website. They don't send monthly bills so pay your monthly amortization diligently para di lumobo utang mo.

📌Yung binabayaran mo na monthly amortization, naku ang liit lang ng napupunta nyan sa principal. I asked the staff sa pagibig and they told me about the breakdown of my P9,555.34 Monthly Amortization:

P7,166.67 interest
P235.80 Fire
P360 insurance
P1,792.87 Principal 😭
= P9,555.34 total monthly Amortization

Diba ang liit ng kaltas sa principal. Ang laki ng bayad sa interest. 😭

📌This is how you compute your monthly interest. Bigay ko na example yung amin.

1.6M = principal (total amount ng utang namin)
5.375% = annual interest
divided by 12 months

1.6M x 5.375% ÷ 12 = P7,166.67

📌That's why, it is highly recommended to pay in advance sa principal mismo if you have extra money para lumiit din ang interest na binabayaran mo. For example, after 5 years, 1M na lang principal mo so 1M x 5.375% ÷ 12 = P4,479.17

📌Di bababa ang monthly amortization mo BUT because smaller na ang interest, BIGGER na ang kaltas sa principal mo.

📌If you have extra money and you want to pay in advance, go directly to pag-ibig office and sabihin EXCESS TO PRINCIPAL yung payment mo.

---For example, magbabayad ka ng 50k and
10k ang monthly amortization,
the excess which is 40k will be deducted directly sa principal amount mo. So nakabayad ka na ng monthly Amortization, nabawasan pa principal mo.

📌Iwasan mag advance payment sa monthly amortization sa bayad centers. Mababa lang nababawas nyan sa principal mo. Bayad ka na lang sa principal.

---For example, if nag bayad ka sa payment centers ng 50k for your monthly amortization, meaning you don't need to pay for 5 months kasi nag advance ka na sa monthly amortization mo. Pero ang liit lang ng kaltas nyan sa principal mo.

📌You can pay the principal ONLY IN PAG-IBIG OFFICE not in bayad centers.

📌For example, nakabayad ka na ng monthly mo sa bayad center last April 1 tapos may extra money ka pala before your due date and you want to pay in advance, pwede pa yan. Punta ka ng pagibig office and say you'll pay DIRECT TO PRINCIPAL. Para whole amount na mabayad sa principal.

This is based on clients experience and based sa sabi ng staff sa pagibig. I hope this can help you guys. We need to be financially literate para di tayo mabaon sa utang 🙂

19/08/2023

Just want to share the new feature of our Multiple Option Super Term 18 from Manila Bankers Life Insurance Corporation.

Maraming namamahalan sa insurance at hindi narerealize ang importance nito. Pero alam mo ba? mas mahal pa ang insurance ng kotse mo kesa sa life insurance na ito.

For age 32, for as low as 7,670 pesos PER YEAR eto na mga included benefits.

1 Million Life Insurance
1 Million Accidental Death Benefit
500k Terminal Illness
300k Critical Illness

Meron din etong nakabukod na feature para sa investment(Premium Deposit Fund) na nag-eearn ng interest every year that never go negative kahit bagsak ang stock market. Pwede ka ding magwithdraw in case of emergency sa iyong investment na walang loan charge.

Super Affordable with maximum coverage.

Thanks to IMG for educating us in this kind of investment. You need to understand how it works and how it is being priced because the cost will be charged to you! And it might be not suitable to your financial needs.

P. S.

Hawak mo pa ang account mo dahil may OPMS ito.
DIY ito na ikaw mismo may access sa OPMS mo.

Cto

Message me for more details

19/08/2023

Magkakampi sa serbisyo publiko! Magkakampi sa pagtaguyod ng IMG mission!

Ang dalawang tinitingalang mamamahayag at kakampi ng bawat Pilipino, Ms. Korina Sanchez-Roxas at Senator Raffy Tulfo, ay magkasangga at kasama natin sa pagpapalaganap ng ating Financial Literacy Campaign!

19/08/2023

19/08/2023

Super Saturday: Financial Literacy Tour with the Big 3 in Dubai!

Prepare yourself and mark your calendar for the new opportunities that you will have at this much-awaited event on Saturday, September 23, 2023 from 1 PM to 7 PM.

As we work toward our goal of achieving financial freedom for 30 million Filipino families, our very own financial experts will continue on their mission to spread financial literacy worldwide! As they travel to Dubai to give valuable knowledge that you can use to transform your life and the lives of many, all you have to do is show how passionate you are to be part of this noble mission.

Don't miss out on the exciting opportunities this event holds! See you all there, IMG Campaigners!

17/08/2023

Fidelity Life Mutual Benefit Association Inc. has awarded to Mr. Michael Balleta's death from life insurance coverage to his principal beneficiary, Ms. Joy Balleta.

This is Fidelity Life. True to your needs, true to your dreams.

Disclaimer:
The appropriation of the official posts of the Company outside of the official accounts of Fidelity Life Mutual Benefit Association Inc. is strictly prohibited. The sharing and/or otherwise unauthorized dissemination of the official posts of Fidelity Life Mutual Benefit Association Inc. are considered violations of the intellectual property rights of the company. Fidelity Life Mutual Benefit Association Inc. reserves the right to take legal action against those who violate our intellectual property rights including seeking redress for damages in the proper courts of the Philippines.

01/06/2023

Construction worker NOON
Executive Marketing Director -
Green Jacket NGAYON.

Sya si Dennis Lopez Loñosa, Dating construction worker, below minimum wage kada araw ang kinikita ngunit hindi nagdalawang isip mag MEMBER sa IMG.
Nang nakatatanggap ng AYUDA mula sa Gobyerno ng dahil sa pandemic, agad syang nagpa member sa halagang P5,500 dahil NANINIWALA sya na malaki ang maitutulong sa kanya ng pagiging kasapi sa IMG.

Nagbunga ang kanyang paniniwala, isinabuhay nya ang lahat ng kanyang natutunan, nagbago ang kanyang buhay at sya'y isa na sa mga nagtuturo at nagbibigay ng pag-asa sa ating mga kababayan dito sa Pilipinas at may mga team sa ibang bansa. 🌏

Nagpapatunay na anuman ang estado mo sa buhay;
✅ -hindi man tayo or ikaw nakatapos ng pag-aaral, ituturo ng kumpanyang IMG kung paano maging Financially Educated at matupad ang mga pangarap;
✅-kung sapat lang ang iyong kinikita? ituturo ng kumpanyang IMG kung paano magkaron ng dagdag kita
✅-maganda ang iyong trabaho at kinikita? ituturo ng kumpanyang IMG kung paano mapangalagaan ang iyong perang pinaghirapan
✅-kung baon ka sa utang? ituturo ng kumpanyang IMG kung paano makakaahon dito.
At marami pang pwedeng matutunan pagdating sa kaperahan dahil sa FREE Financial seminars na pwedeng atenan.

Katulad ni Bro. Dennis, na nagawang umasenso sa buhay at naging pagpapala sa pamilya at sa marami, propesyonal ka man or walang natapos, kaya nating lumipad!
Pag gusto, may paraan! Only here in IMG! Kudos to you Executive Marketing Director Dennis Loñosa!

To God be the glory!

Click this link to join IMG

https://82960hk.imgcorp.com/
Ctto

02/04/2023

While still young and productive, save and invest for your retirement.

Don"t allow yourself to be liabilities but instead an asset and being their Last priority in the family.

Build your future and prepare for your retirement.

Knowledge is power.
Financial Education is for everybody.

31/03/2023

From Ordinary SeaMan to ExtraOrdinary Financial Success with IMG.

Some of us are building FROM SCRATCH.
- No rich parents
- No inheritance
- No connections
- No assistance
- No excuses

JUST pure hard work, consistency, desire, focus and finding the right Company & System so you will finally harvest all the Success You Dreamed about.

"Maraming salamat IMG for teaching us Financial Education. Madami pang mga Pilipino ang mababago ang buhay. More Blessings and Opportunities to us.❤️ "
Pm for details.
Ctto. -

08/02/2023

Financial literacy is for everybody
No matter you are poor or reply rich
You are old or young

CONGRATULATION Welcome to IMG.
76yrs old,Retired District Supervisor of Dep Ed.

congratulations to Deped sec.BRIONES
pushing financial is a MUST..

Sila Naniniwala sa importance of Financial literacy.
Na cucurious kaba kung ano tinuturo sa financial literacy?
Dapat inaalam mo din.Libre lang ang seminar pra dito.
Pm mo ko pra maguide kita.

sa img walang pinipili
sa dami ng members benefits 1,2,3..4..5+++63 and counting ,KAIBIGAN . .kailangan mo ito.🥰
click and read ang link 👇
https://82960hk.imgcorp.com

12/12/2022

Reasons Why Filipinos Don't Go Into Business:
1. - ′′ I'll save first. My money is lacking."
2. - ′′ I'm still dealing with a lot "..
3. - ′′ I don't know how to do business, I might just lose."
4. - ′′ It's not for me."
5. - ′′ I don't know much."
What's the point?
1. (MONEY) until when will you save?
2. (TIME) if you pay 20 k, then you are offered 100 k, will you grab it? I thought you don't have time?
3. (SKILLS) are you learning everything right away? Everyone has a learning process. The study you worked hard for more than ten years, right?
4. (Opportunity) Haven't tried yet, not already for him? Just negative right away?
5. (Connection) Why did you still use FB? 5,000 friends capacity of Facebook, right?

OPPORTUNITY IS HERE. YOU JUST NEED TO GIVE IT SOME TIME IF YOU WANT TO CHANGE YOUR LIFE

"Change your MINDSET if you want to be successfull
Ctto

21/11/2022

May nagtanong sakin bakit kailangan Kaiser Healthcare ang dapat unahin sa INVESTments?

Simple lang po ang dahilan Bakit Kailangan Natin Lahat Ng Longterm Healthcare:

▪️ PRODUCTIVE YEARS (21 to 60 Years old)
- Malakas ka at hindi gaano nagkakasakit
- Binibigyan ka ng HMO ng Kumpanya dahil pinakikinabangan ka nila, kaya dapat lang din gamitin mo ito kung sakaling magkasakit ka. ang tanong, "madalas mo ba magamit?"
- Kung wala kang HMO mula sa Kumpanya, pwede kang bumili kaya lang kapag hindi ka nagkasakit sa loob ng 1 taon, tapon na ito at bibili ka na ulit para sa susunod na taon.

▪️RETIREMENT YEARS (61 and beyond)
- Isa isa nang pumapasok ang iba't ibang sakit
- Madalas ka nang nahohospital
- Wala ka nang HMO dahil retiro ka na
- Gustuhin mo mang bumili hindi na pwede dahil hanggang 60 years old lang ang age limit at marami ka ng sakit di ka na rin maAaprove.

Simple lang intindihin diba? Habang malakas ka ngayon, magipon ka sa pagkakasakit mo dahil siguradong darating yon pagdating ng panahon.
Kung ngayon maarte ka dahil meron kang HMO sa kumpanya, sanay ka sa private hospitals, sa malamig at malaking kwarto.

Paano na kaya sa pagtanda mo? Dala mo pa rin ba ang HMO na libreng binibigay ng kumpanya?

Simpleng sagot..Hindi mo yan madadala. Iiwan mo lahat ng benepisyo ng kumpanya mo kapag ikaw ay retired na.
Paano ka na kung hindi ka nagipon ng Long term HEALTHCARE?, At saka ka aasa sa gobyerno? Paano kung ang gobyerno hindi ka mabigyan ng pansin dahil sa dami ng tao na kailangan tulongan? Aasa ka Sa mga anak, pamilya, kamag-anak paano, kung may mga sari-sarili na rin silang pamilya? Priority ka pa kaya?

Baka isa ka nlang pabigat sa kanila. 😔

Build your future retirement now. Habang bata ka pa at habang kumikita ka pa.

Just pm me usap tayo.🙋