Financial literacy by shella Gutierrez calabia

Hurry‼
Invest now in stock market before the prices totally go up‼️ 📈

✅Want to learn how to invest in stock market?
✅Want to diversify your investments?
✅Want to know how to properly allocate your cash flow?

I got you! ✨
There are two types of investing:
⭕ DIRECT INVESTMENT - Ikaw yung bumibili mismo ng stocks from companies. Ikaw ung mismo magse-set-up ng account mo and magmo-monitor ng stock market almost everyday.

⭕ INDIRECT INVESTMENT - Meron tayong tinatawag na Fund Manager. Siya ang nagdedecide and nag-aasikaso ng lahat ng investment natin para mag-grow and to minimize the risk.
If you want to invest to Stock Market pero:
1.) Walang time mag-monitor
2.) Walang time mag-aral ng kung paano
3.) Walang malaking kapital
Then indirect investment would be perfect for you! ✨

If you become an IMG member, for as low as 20 pesos, you can now become a Shareholder through Mutual Funds!

Click here👇👇👇
https://bit.ly/FreefinancialClass

Ma realize mo nlang to kapag tumanda at wala kang work.

Akala mo nung malakas ka ok at ngbbgay lang lagi tapos di mo iniisip ang sarili mo.

Darating ang time na yung binibgyan mo ay iba din priority nila at hndi IKAW. Kaya matutong mgtabi para sa sarili, sa panahon ngayon dapat wise na. Para di kawawa balang araw.

TANDAAN WALA KA IBANG KAKAMPI KUNDI SARILI MO AT IPON KAPAG WALA KA NG WORK AT MAHINA NA.




📌Upgrade your financial life and become your own Financial Educator.

MESSAGE me to attend our free financial literacy class via Zoom.👇👇
https://m.me/Shellacalabia1995

https://376732PH.imgcorp.com

SAVE and INVEST right way❤️

Sa panahon ngayon. Hindi Lahat ng makakausap mo maiintindihan kung ano ginagawa mo, ang karaniwan ma-eencounter mo:

1. Wala pa akong Pera
2. Pag ipunan ko pa
3. Ayaw ng Asawa ko
4. Scam Yan
5. Di ko Yan Linya
6. Balikan mo ko pag kumita ka na
7. Busy ako, wala akong TIME
8. Pag iisipan ko pa
9.Pag aaralan ko pa
10. SEEN mode!

Pero may mga tao naman na....

1. Gusto ko yan, turuan mo ko...

2. Gagawan ko ng paraan para makapag umpisa...

3. Turuan mo ko kasi pagod na pagod na ako mag TRABAHO wala pa akong ipon...

4. Lumalaki na mga anak wala pa ring naiipon, resibo lng ang naipon. Magandang matuto ako nyan..

5. Gusto ko ng EXTRA INCOME...

❤️Always Be a BLESSING to others❤

Sharing the Mission ❤
Iba ang saya sa Puso pag sinabihan kami ng "SALAMAT namulat at NATUTO AKO when it comes to my Finances, DAHIL SA PAG SHARE MO ng Financial Education nabago takbo ng buhay ko."

Attend our free financial literacy class webinar.Pm me for details.
https://m.me/Shellacalabia1995

💞HOW KAISER LONGTERM Healthcare is very important? 😃

✔Kapag hindi ka na employed, hindi ka magwoworry kung maospital ka.

✔Kapag hindi mo nagamit ang annual health care coverage mo hindi sya naeexpire unlike short-term health care.
Marereceive mo ang guaranteed Long-term care bonus sa maturity.

✔May kasama na syang insurance for income protection sa family just in case may nangyari sa policy holder.

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

✔Waived na ang payment kung may nangyari sa policy holder, mapapasa pa ang health coverage sa beneficiary.

✔Good as cash sya pagdating ng maturity,
So pede ka magwithdraw gamit ang visa card. Hanggat may fund ang card, patuloy lang ang pag-earn ng interest.

✔Covered ka kahit beyond 60 ka na, as long as you live!

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

✔Pede ka magkaroon nito sa halagang P88.00 pesos saving a day.

Kung kaya mo.mag ipon ng 88 / day
usap tayo.

Attend our webinar via zoom
Interested ? Leave your message here:👇👇
https://m.me/Shellacalabia1995

Pero bakit ang Long-Term Healthcare at Retirement Fund...ayaw pagipunan?
Ito mostly ang common mistakes ng karamihan, dahil ang retirement daw ay malayo pa, kaya saka na paghandaan.
Laging tandaan: "The best time to prepare is when you don't need it."
Importante ba si HEALTHCARE?
"Karamihan sa mga tao hindi pinapansin at pinag-iipunan si HEALTHCARE kasi meron na daw silang INSURANCE o di kaya ay INVESTMENTS."
Bakit ka dapat kukuha ng healthcare? Kasi, siya ang sasagot sa gastos mo in terms of your sickness. Sasagipin ang mga naipon mong pera at assets para gawing pambayad.
Benefits:
📌 Pays your hospital bills and medications.
📌 Pays your medical expenses.
📌 Pays your Doctor's visit and checkups.
📌 Pays your laboratory tests and operations.
📌 Provides care for your health.
Meron ka ngang LIFE INSURANCE at INVESTMENTS, mapu-pullout mo naman yan kung sakaling magkakaroon ka ng sakit. Hindi po tayo palaging malakas. Darating po ang panahon na manghihingi ng pera ang ating katawan lalong-lalong na kung palagi tayong stress sa ating mga negosyo or trabaho.
"Ang dami nang mga mayayaman ang bumagsak kasi nagkaroon ng sakit. Binenta lahat ng ari-arian para gawing pambayad."
KAISER is a 3-in-1 Ultimate Health Builder. Meron siya sa tatlo.
1, Short and Long Term Healthcare
2. Investments
3. Term Life Insurance
Kailan ka pa kukuha ng healthcare, pag sakitin ka na?
Get Kaiser while you are young and healthy not when you are old and sickly.
To help you build your Solid Financial Foundation:
https://376732PH.imgcorp.com

Alamin mo muna ang ibat'ibang level ng Investing na para sayo depende sa iyong kaalaman kung kaya't Financial Education ang unang dapat matutunan,
Aral muna bago maginvest ika nga.

✔️ Level 1: Long Term Care - ito ang pinaka safe, dhil no risk pero high return kaya highly recommended ito sa mga baguhan at sa meron ng nasimulang investment. Kumpleto na ito, may insurance, investment at healthcare narin.

✔️ Level 2: Mutual Funds
Medium Risk: mas safe lalo na kung long term investing, sa isang mutual fund company, naka invest ka na sa 10 multi million company, diversified kaya wala kang pangamba.

✔️ Level 3 - Direct Stocks
High Risk - High return pero kailangan ng highest financial literacy, high risk tolerance at di pa advisable sa mga baguhan.

Ikaw anong Investments Level na kaya ang bagay sayo?
know more about different levels of investing.

Message mo ko dito⬇️
https://m.me/Shellacalabia1995

at kun gusto mo na masimulan pano click mo lng ito
⬇️
♡♡♡♡♡♡♡
click here to know more at pano magsimula at ano ang benepisyo mo pag mag join ka sa IMG.👇👇👇👇
https://376732PH.imgcorp.com

Be part of our 20M2030 Campaign.

What is really?

Historically, IMG system starts in America and Canada way back 1977. It is aligned with a world financial organization called World System Builder( ).

Since 1977, it adopted a system called "System Builders" book which contains a proven system used by the WSB and IMG community. IMG was established in 2002.

IMG is not an investment company. It is NOT a Networking or an MLM. You don't invest in IMG. It is focused on Financial Literacy.

■ It's a brokerage organization of leading companies in the Financial Industry

■ A school for Financial Literacy -- under a life-long learning program with free financial coaching for life

■ Its also a community of Savers and Investors..

It offers Total Financial Solution. Meaning you learn from them not only on investing and saving but in all other aspects of personal and family financial management including financial planning.

As a school for Financial Literacy. You are encouraged to learn first before saving and investing. And because financial and investment companies are aligned with them, you can already practice what you have learned as a One-Stop-Shop in the Financial Industry

One good thing about IMG when you invest is you are developed to become your own money manager. In other words, you are given direct access to the companies aligned with them without passing through a broker or an agent -- thereby maximizing the use of your money when saving and investing.

Through IMG also, you have the right to participate in its business as Associate Broker (optional) and is assisted in building your own organization in the Financial Industry.

Be part of millions of Filipinos na binago ang buhay sa pamamagitan ng tamang pag iipon at pag e invest. Alamin at discover opportunities be one of us.👇🏻🎉
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Attend our free financial class webinar via zoom , Message me for schedule and reservation 👇🏻👇🏻
https://m.me/Shellacalabia1995

LUGAR KUNG SAAN PAPASOK KANG MAY PERA AT LALABAS KANG MAY UTANG - Hospital
ALAM MO BA na ang Healthcare at Life Insurance are two products na mabibili mo lamang kapag HINDI MO PA KAILANGAN? Pero kapag kailangan mo na - nasa ICU or “boarding gate” ka na papuntang langit – hindi ka na pwedeng bumili (even if you can afford it).
AWARE KA BA SA MGA HOSPITAL HUGOT LINES NA TO?
✅ Bakit ako? bakit ako ang tinamaan ng sakit na ito?
mabuti naman akong tao, bakit ako tinamaan ng malubhang sakit na ito?
✅ Paano ang pamilya ko?
✅ Paano ang gastos ko nito sa pag pagamot.?
Ito ang madalas nangyayari sa atin kapag tinamaan tayo ng hindi inaasahang sakit, lalo na kapag malubha.
Dito natin marealize na dapat pala pinag-ipunan natin ang Healthcare at Life Insurance.
Dapat pala hindi pinag sabay sabay ang kuha ng sasakyan, bahay at bagong gadget.
Dapat pala may ipon.
Dapat pala may Healthcare at Life Insurance
Kung alam mo ang hirap ng ganitong sitwasyon at kung ayaw mong maranasan ito, huwag ka ng mag dalawang isip kumuha ng Healthcare at Life Insurance.
Buying a healthcare plan or insurance policy is a PRIVILEGE. It’s our healthy body, NOT our money, that enables us to buy it. So ngayong bata ka pa, malusog ka pa, o wala ka pang sakit, this is the BEST TIME to start your Healthcare and Life Insurance.
To help you build your Health Fund and Solid Financial Foundation:
Send me a message so I can guide you. 🤓

Reality Talk:

Ok lng na nagpapaganda at nagpapagwapo ka basta sabayan mong mg invest at mag ipon para sa future.

Mahirap kasi na puro ka lang pagpapaganda at pag papagwapo kaso wala ka namang iniipon sige waldas ka ... cge ka 10 yrs from now di ka na maganda at gwapo wala ka png makain masakit un diba 😂 ....

Hindi habang buhay marami pumupuri sau at naghahabol na mahalin ka. Pero tandaan mo kukulubot din ang iyong balat at kung wala kang ipon instead amoy safeguard ka maging amoy panghi pa kanalang. 🤔

When mo simulan mag save pag matanda knb o ngayong kaya mo pa mag trabaho.

Isip isip din hwag puro LIBOG, WALWAL, YABANG.

Tara sabayan mo nalang yan ng pag aaral pinansiyal message me lang para m assosts kita.
https://m.me/Shellacalabia1995

Be part of our 20M2030 Campaign

WHEN YOU GET SICK..
Friends/Relatives: Get well soon.
Kaiser: I will take care of your medical bills.

WHEN YOU DIE TOO SOON...
Friends/Relatives: Condolence.
Kaiser/MB Life: I will take care of your family.

WHEN YOU LIVE TOO LONG...
Friends/Relatives: Kaya mo yan!
Kaiser/Mutual Funds: I will take care of you.

If you don't save for your medical bills, life insurance and investments today, do you think your friends and relatives will save you in the future? If your answer is YES, then, SANA ALL.
..
..
..
Your medical bills cannot be paid by "get well soon". Your family will not be taken care of by "condolences". The moral support from your friends/relatives will not give you a worry-free retirement.
..
..
..
Yes! Wishing you well is good, receiving condolences is relieving and moral support from friends/relatives is heart-warming, but you still need cash. And there is no way to guarantee that you'll get it from them. This is your life, your responsibility, take good care of it.




Attend our free financial literacy class webinar via Zoom.Pm me for the access.
https://m.me/Shellacalabia1995

Be part ot our 20M2030 Campaign.

ATM: At Kaiser Medical Center, Galleria.
Ang ganda At ang linis ng Clinic. Very accommodating pa si Doc Charmaine, the nurses and staff. Thank you.

Availed IMG Member benefit #13 - unlimited medical consult

Plus the Kaiser Free APE Benefit with chest X-ray and ECG

And for my blood chemistry with H-Pylori tests ay ang free HMO ko naman na benefit ko as qualified IMG Member ang nagamit ko.

All for FREE! Dahil without the benefits, I would be paying around P14,000.

That’s how IMG and Kaiser take care of us, their members. Bawing-bawi Ang IMG Membership fee na binayaran ko.

And with my Kaiser Long Term Health Care Plan, me life Insurance benefit na for my family in case I die too soon, Pag nag live too long naman ako, Meron naman akong long term health care benefit when the plan matures, 3-in-1 protection na 7 years to pay Lang for long term health care protection.

With me are Siss Victoria Arcilla Perena and Caroline Salido who also availed the free medical services for IMG and Kaiser members.

Gusto nyo din ba ng Free Benefits from IMG and Kaiser? Hindi Lang yan ang free, more pa when you join IMG. Ang dali lang mag join dito sa link na ito - https://376732PH.imgcorp.com

At kung gusto mo magkaroon din ng Kaiser Long Term Health Care Plan, gawa ka ng Proposal mo dito
And Kung me katanungan ka, mag Zoom tayo.

Thank you, IMG!

Thank you, Kaiser!

Proud IMG and Kaiser Member here!