IMG "financial literacy"

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. In 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.

Wants to educate yourself? Message me😊

Once you become an IMG member your benefits here 👇
https://242653PH.imgcorp.com
E-mail [email protected]
Landline 0323443583
Contact number 09176133623
Instagram joyannaligarbes
Twitter aligarbes_an
Lyka joyan121
TikTok joyanaligarbes2020





To God be the Highest Glory 😇🙏

Talk to my LAWYER!😍

Ganyan kami kamahal ni IMG, may FREE legal consultation. Not just once but twice a year!😍🥰
Ikaw kabayan, hanggang kelan ka mag iisip na magjoin sa IMG? benefits pa lang sulit na ang membership fee mo. Matututo ka pa kung paano magkaroon ng financial freedom at magkaroon ng peace of mind 😊
Mahal pa ba ang membership na P5500? 😂
You can send me a message para maka attend ka ng financial orientation via zoom saglit lang un, kapalit life time na securities mo and more benefits for u and ur family.

-> m.me/joyanaligarbes

To learn more abt IMG 👉bit.ly/joyanaligarbes
Become an IMG Community here 👉 242653ph.imgcorp.com
E-mail [email protected]
Contact # 09176133623
WhatsApp +639063201684
Instagram joyannaligarbes
Twitter aligarbes_an
TikTok joyanaligarbes2020
Keep safe everyone,,, GOD BLESS US 🙏🙏🙏

Hindi CAPITAL ang problema sa BUSINESS📊 ang problema ay yong MINDSET💡
If okay ang MINDSET nagagawan ng paraan ang CAPITAL😁👌😉
Ang dami ng nagtiwala.
Ang dami ng gumawa.
Ang dami ng natulungan.
Ang dami ng nabago ang buhay.
Sabay ka na, tulad namin, magtiwala ka lang din, marami ka pang magagawa at marami ka ring matutulungan mabago ang buhay.
Kung pera ang problema , pera din ang solusyon.
E-mail [email protected]
Contact # 09176133623
Landline (032)3443583
Address Km.45 Purok Caballero Puente Carmen Cebu Philippines
WhatsApp +639063201684
Viber +639063201684
Instagram joyannaligarbes
Twitter aligarbes_an
Lyka joyan121
TikTok joyanaligarbes2020
Have a blessed day
GOD BLESS US 🙏🙏🙏

To know more about KAISER...

Q. How can we be sure Kaiser will still be there in the long term? Can we trust Kaiser to fulfill its commitments?

A: 1. The Kaiser Ultimate Health Builder is a product of two actuarial studies made by an American and a Filipino actuarial, respectively.

2. The company and the products offered have passed the regulatory requirements of the gov't thru the Securities and Exchange Commission and the Dept. of Health.

3. At least 51% of payments made by the plan holders automatically goes to a trust fund, as required by the government. KAISER cannot touch the trust fund. It is reserved for the future claims by the plan holders.

4. Kaiser trust fund is managed by two reputable international banks namely:

i.) ING BANK (based in the Netherlands) and
ii.) DEUTSCHE BANK (based in Europe)

Q. I just bought a K45 plan and would want to have a bigger coverage. Can I upgrade or buy another plan?

A: Yes, a plan holder or member may upgrade his plan within 30 days from the member's effectivity date. The member may buy another plan only upon full payment of his policy which is on the 6th year.

Q: I just bought a K100 plan. Can I now avail of the Annual Physical and Dental Examination?

A: The member can avail of these two outpatient benefits after paying fully paying the first year's premium. E.g. If his mode of payment is annual, then he can avail immediately after receiving his member's kit containing his ID, benefit and dental card, provider directory, guide book and your schedule of benefits with the contract provisions.

Q: I have a K50 plan which I'd like to transfer to my daughter because I'm migrating to the U.SA. How do I go about transferring it?

A: The member shall be required to sign an amendment form and the daughter signs a new application for membership form and submit it to his IMG representative/offices or to Kaiser office located at King's Court I Building along 2129 Chino Roces Avenue in Makati City.

Q: If a member dies, is his K100 plan transferable to any of his beneficiaries? How much will his beneficiary get?

A: If the plan has approved term insurance coverage, the plan is transferable to the primary beneficiary. Kaiser shall pay the principal amount of the term insurance equivalent to the member's long-term care benefit Php 100,000. If the cause of death is an accident, another Php 100,000 shall be paid.

Q: What if I invested on a K50 plan and during the paying period (first 7 years) I used my Kaiser plan for in-patient hospitalization?

A: Instead of getting the full amount of P583,084 you will only get P408,084. Still more than 100% of what you've invested.

Q: What if I just leave my funds even after the 20th year?

A: It just continues to grow at average rate of 10% compounded annually. This is exactly the reason why the earlier that you start, the more funds you can accumulate.
Q: Am I still covered with insurance beyond the 20 years?

A: YES, as long as your account is still funded. Your total fund beyond the 20th year serves as your insurance. E.g. If you invested on a K-50 plan and didn't use/withdraw any amount from your fund, your total insurance coverage on the 20th year is P583,084

Q: What if I don't get sick? Can I use my money for something else?

A: YES, because it’s an investment. Meaning you can use it for anyone, anything, and anywhere.

GET YOUR POLICY NOW!
https://242653ph.imgcorp.com

Just send me message.
E-mail [email protected]
Contact # 09176133623
Landline (032)3443583
Address Km.45 Purok Caballero Puente Carmen Cebu Philippines
Whatsapp +639063201684
Viber +639063201684
Instagram joyannaligarbes
Twitter aligarbes_an
Lyka joyan121
TikTok joyanaligarbes2020
Have a blessed evening
GOD BLESS US 🙏🙏🙏