Visionary Savers - Coach Mel, Cebu City (2026)

13/03/2026

Do you know that for as low ₱1,000, you can INVEST and GROW your MONEY with the BIGGEST COMPANIES in the PHILIPPINES?
You too can enjoy the earnings potential of these big companies and brands. This is possible through investing in mutual funds.
Mutual funds are affordable, convenient, and beginner-friendly investment for Filipinos.
Mga Benepisyo ng Mutual Funds:
🔹 Professionally Managed: Mga eksperto ang humahawak sa investments mo.
🔹 Very Liquid: Madali mong ma-access ang iyong pera.
🔹 Diversified: Ibinabahagi ang investments sa iba't-ibang kumpanya.
🔹 Low Minimum Investment: Magsimula sa mababang halaga.
🔹 Transparent: Makakaasa ka sa klarong impormasyon.
🔹 Strong Track Records: Patunay na kumikita.
🔹 Safe & Secured: Protektado ang iyong investment ng SEC.
🔹 Zero Load Fees: Walang hidden fees.
🔹 Tax-Exempt Gains: Walang buwis sa iyong kita.
Mag-invest na sa Mutual Funds! i-message mo ako ngayon. 📩

𝘋𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳:
𝘐𝘔𝘎 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘴𝘦𝘭𝘭 𝘮𝘶𝘵𝘶𝘢𝘭 𝘧𝘶𝘯𝘥𝘴. 𝘈𝘭𝘭 𝘮𝘶𝘵𝘶𝘢𝘭 𝘧𝘶𝘯𝘥 𝘱𝘳𝘰𝘥𝘶𝘤𝘵𝘴 𝘢𝘳𝘦 𝘴𝘰𝘭𝘥 𝘢𝘯𝘥 𝘥𝘪𝘴𝘵𝘳𝘪𝘣𝘶𝘵𝘦𝘥 𝘣𝘺 𝘙𝘢𝘮𝘱𝘷𝘦𝘳 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭𝘴, 𝘢 𝘥𝘶𝘭𝘺 𝘭𝘪𝘤𝘦𝘯𝘴𝘦𝘥 𝘮𝘶𝘵𝘶𝘢𝘭 𝘧𝘶𝘯𝘥 𝘥𝘪𝘴𝘵𝘳𝘪𝘣𝘶𝘵𝘰𝘳 𝘪𝘯 𝘵𝘩𝘦 𝘗𝘩𝘪𝘭𝘪𝘱𝘱𝘪𝘯𝘦𝘴.

09/03/2026

Alam mo ba?

Sa halagang ₱1,000 lang, pwede ka nang maging shareholder ng Jollibee 🍔 at iba pang malalaking kumpanya — thru MUTUAL FUNDS?

✅ Yes, pwedeng-pwede po talaga!

🤯 Grabe ang difference!

📌 Dati: ₱100,000 ang kailangan
📌 Naging: ₱5,000
📌 Ngayon: ₱1,000 na lang! 🤩

🎯 Perfect para sa:
🎓 College Education Fund
👴 Retirement Fund
💼 at iba pang long-term financial goals

📚 Financial literacy is the key!

👉 Aral muna bago mag-invest.

✨ Don’t miss this chance to become an investor and let your money grow over time.

🔥 Start investing NOW!

📩MESSAGE ME for more details.

𝘋𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳:
𝘐𝘔𝘎 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘴𝘦𝘭𝘭 𝘮𝘶𝘵𝘶𝘢𝘭 𝘧𝘶𝘯𝘥𝘴. 𝘈𝘭𝘭 𝘮𝘶𝘵𝘶𝘢𝘭 𝘧𝘶𝘯𝘥 𝘱𝘳𝘰𝘥𝘶𝘤𝘵𝘴 𝘢𝘳𝘦 𝘴𝘰𝘭𝘥 𝘢𝘯𝘥 𝘥𝘪𝘴𝘵𝘳𝘪𝘣𝘶𝘵𝘦𝘥 𝘣𝘺 𝘙𝘢𝘮𝘱𝘷𝘦𝘳 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭𝘴, 𝘢 𝘥𝘶𝘭𝘺 𝘭𝘪𝘤𝘦𝘯𝘴𝘦𝘥 𝘮𝘶𝘵𝘶𝘢𝘭 𝘧𝘶𝘯𝘥 𝘥𝘪𝘴𝘵𝘳𝘪𝘣𝘶𝘵𝘰𝘳 𝘪𝘯 𝘵𝘩𝘦 𝘗𝘩𝘪𝘭𝘪𝘱𝘱𝘪𝘯𝘦𝘴.

10/02/2026

✅ 𝙊𝙣𝙚 𝙈𝙚𝙢𝙗𝙚𝙧𝙨𝙝𝙞𝙥. 𝙊𝙫𝙚𝙧 60 𝙋𝙤𝙬𝙚𝙧𝙛𝙪𝙡 𝘽𝙚𝙣𝙚𝙛𝙞𝙩𝙨!

Secure your future, protect your family, and grow your wealth—all in one lifetime membership.

When you become a member of IMG (International Marketing Group), you gain access to a powerful financial platform that offers more than 60 benefits and privileges—designed to protect, save, and grow your money.

𝗛𝗘𝗥𝗘 𝗔𝗥𝗘 𝗝𝗨𝗦𝗧 𝗦𝗢𝗠𝗘 𝗢𝗙 𝗧𝗛𝗘 𝗠𝗔𝗝𝗢𝗥 𝗕𝗘𝗡𝗘𝗙𝗜𝗧𝗦:

🔒 Protection & Insurance Benefits
* ₱50,000 Fidelity Term Life Insurance
* ₱100K Personal Accident Insurance

📈 Investment Opportunities
* ₱1,000 PDF that you can use to start your mutual fund investment
* Start investing for as low as ₱20
* No entry fee when you invest to IMG partner's mutual fund companies
* Full access to your investments, insurance, and IMG account

🏠 Exclusive Big Savings & Discounts
* Savings in Real Estate purchases (SMDC, DMCI, Ayala Land)
* Discount on car purchases
* Discounts on car insurance, travel insurance, and business insurance

🏥 Healthcare Privileges
* FREE unlimited general check-ups at Kaiser Medical Center
* 20% discount on medical lab tests
* Access to healthcare products and services

⚖️ Legal & Memorial Services
* FREE legal consultation yearly
* FREE memorial concierge service
* Repatriation service in coordination with Everest Memorial (for International members)

📚 Entrepreneurial & Earning Potential
* Business in the financial industry
* Massive incentives: FREE Travel Abroad, FREE HMO (with qualifications), etc

And a lot more!!

Click this link to see all the IMG membership benefits: https://321781ph.imgcorp.com/

📣 This isn’t just a membership. It’s a movement to build a financially educated, protected, and empowered Filipino community.

Message us now to get started or learn more. Your future self will thank you. 💼💛

09/01/2026

PAY YOURSELF FIRST.

Sanay tayong magbigay: sa pamilya, sa trabaho, sa goals ng iba. Pero kapag ubos ka na, paano ka pa makakatulong? Kapag pagod ang isip, gipit ang pera, at drained ang katawan, mas mahirap mag-decide nang tama para sa future mo.

Self-care isn’t just rest and vacations. Kasama dito ang pag-aalaga sa health mo, pagbuo ng emergency fund, at pagplano ng long-term goals. Kapag maayos ka financially, emotionally, at mentally, mas kaya mong maging present at generous without burning out.

Tandaan: hindi mo kailangang isakripisyo ang sarili mo para masabing mabuti kang tao. Kailangan mo munang buuin ang sarili mo para mas marami kang maibigay.

01/01/2026

Resist the urge to buy unnecessary things this 2026. 💸

Many people are broke not because they do not earn enough but because they spend more than what they earn.

Save more. Your future self will thank you for every moment you chose discipline over impulse. Small consistent savings can shift your entire life.

Invest in your future. The phone you are rushing to buy will not multiply your money. The habits you build will. This is the year to choose wealth creation over wasteful spending.

Let 2026 be the year you grow stronger financially. One intentional decision at a time.

01/11/2025

IMG or International Marketing Group - IMG
located at 9F Kings Court, Bldg 1, Chino Roces Ave., Makati City.

Its partners are reputable financial companies like Ayala Land, SMDC, Kaiser International Healthcare Group, Manila Bankers, Rampver Financials and more😍

Offers Financial Literacy Program open to all Filipinos across the globe!

Start Savings Now!

Helping Filipinos to achieve the Right Financial Foundation.

For free Training, Seminars and Workshop
Drop a message to guide you po 🙋🏻‍♀️

16/08/2025

Kailangan mo ba ng guide kung paano mag-handle ng money mo at tamang pag-iinvest? Si Bro. Bo Sanchez at ang International Marketing Group (IMG) ang makakatulong sa’yo! Alamin ang mga techniques para maging financially stable at successful! 💰Katulad ng kanyang katulong na naging Milyonaryo dahil sa Stock Market Investing.

Financial Literacy is the key! Aral muna bago mag-invest ma'am/sir.

Mag-save, mag-invest, at mag-plano ng maayos para sa future. Simulan mo na ngayon kasama ang IMG! 📈

Disclaimer: Rampver Financials is the Partner of IMG into Mutual Funds,
IMG is the official brokerage.
Only Rampver Financials sold stocks.

Click "Send Message" Start Planning and Investing!

01/08/2025

Your future depends on the decisions you make today. Every decision has its own outcome.

A retired employee struggles his way to find a job to sustain his way of living. Cause? Decisions when he was young. He didn't decide to save for the future. YOLO, right?

A high-income breadwinner suddenly got sick leaving his family huge bills to pay. Cause? Decisions when he was young. He didn't decide to invest in health care.

A loving father suddenly died leaving his daughter with no further financial support for her education. Cause? Still, decisions of her father while he was still young.

If you don't want these outcomes, maybe you should think more of the decisions you make today.

Oh, and let me tell you something. IMG has formulated a perfect solution to address each of these situations. If you want to make a difference in your life, come and join us.

Thank you, IMG, for giving me the chance to inspire the youngsters and the not so youngsters. 🙌

27/05/2025

Unlock Your Financial Future with Mutual Funds! 🚀

One of my Long Term Investments has grown even before the year ends! And that's just one basket in my diverse portfolio—think Soldivo, Digital Banks, Pag Ibig MP2, and more! 😁😍 📈

💡 Why Invest in Mutual Funds?

1️⃣ Low Initial Investment: Start with just P1,000 and invest anytime, as often as you like!

2️⃣ Diversification: Spread your investment across various assets, not just one. More types, more opportunities!

3️⃣ Convenience & Cost Efficiency: Let professional fund managers handle your investments while you enjoy peace of mind.

4️⃣ Compounding Growth: Watch your earnings grow as the value of your investments increases—automatically!

5️⃣ Liquidity: Easily withdraw your cash if needed. Mutual fund shares can be redeemed within seven days.

6️⃣ No Extra Taxes: Enjoy tax-free benefits on mutual funds. Regulated by the Securities & Exchange Commission for your protection!

💰 Make Your Money Work for You! Don't let it sit sleeping in the bank—start investing in mutual funds today!

DISCLAIMER:
We don't sell stocks/mutual funds,
Mutual funds are sold by Rampver Financials.

👉 Message me now for more details and start your journey to financial growth!

10/05/2025

BAKIT NATITIGIL NA MAG-IPON ANG ISANG TAO?

1. LACK OF DISCIPLINE

Walang goal sa pag-iipon
May makita lang sa ONLINE SHOPPING, bubuksan na ang alkansya
Hindi seryoso na mag-ipon

2. BIGLAAN EMERGENCIES

Walang Emergency Funk kaya ipon ang napagdidiskitahan
Pag may nagkasakit sa pamilya
Minsa pag-iipon pa ang sinisisi dahil sa pamahiin

3. EMOTIONAL SPENDING

Inggit sa iba kaya gusto niya dapat meron din siya. Nabo-bored kaya nag-aadd to cart kahit di naman need
Feeling deprived kaya, uunahin ang luho
YOLO Mentality

TIPS PARA HINDI MAGALAW ANG IPON
ISIPIN ANG GOAL KUNG BAKIT KA NAGSIMULA

Para saan ba ang ipon mo?
Seryoso ka ba sa pangarap mo?
Think long term
Ikaw din ang magsa-suffer kapag di mo tinuloy ang pag-iipon

2. ALISIN ANG YOLO MENTALITY

Dapat ay Ipon now ginhawa later
Huwag isipin na YOLO sa halip ay maging MATALINO!
Ang pagtitiis mo ngayon ay magbubunga ng masagana balang araw
Kaya ka nga nag-iipon para maging maganda ang kinabukasan mo ngayon ka pa hihinto?

3. ELIMINATE ANG MGA TUKSO

Ano ba ang reason kung bakit mo gustong gastusin ang ipon mo?
Shopping App ba? Then uninstall it
SALE ba sa mall - Then wag magpunta ng mall
Mga kaibigan na Bad Influence ba? - Iwasan muna sila
May CHOICE ka kung gusto mo talagang makaipon!

CONCLUSION:

Kung gustong mag-ipon, marami kang paraan
Kung ayaw mag-ipon marami kang pagkakagastusan
IPON NOW para MAGINHAWANG BUHAY LATER
Huwag gastos now then pulubi later

CCTO

10/05/2025

ARE YOU DROWNING IN DEBT? HERE’S THE BLUNT TRUTH.
✔️ You owe the bank.
✔️ You owe a microfinance company.
✔️ You owe workmates.

Your pockets are empty 2 days after getting paid.
At home, you're struggling to buy food.
You’re emotionally exhausted, and mentally stuck.
This is the life of debt and it’s real.
Here’s the hard truth:
You won’t borrow your way out of debt.
But here’s the good news:
You can get out one decision at a time.

PRACTICAL STEPS TO ESCAPE A LIFE OF LOANS:

1. Face the numbers. Write down every single debt who, how much, and at what interest. Running from it won’t make it go away.
2. Stop borrowing. Completely. Even when it feels like the only option ,pause. Borrowing to feed today only deepens tomorrow's crisis.
3. Talk to your lenders. Renegotiate repayment terms. Many institutions would rather get something consistently than nothing at all.
4. Cut your lifestyle drastically. This is not the time for soft life. Cancel TV subscriptions. Cook at home. Buy in bulk. Delay wants.
5. Find a side income. Sell something. Offer a service. Even an extra K500 consistently can change your situation over time.
6. Create a simple plan. Pay off one debt at a time, starting with the smallest or the one with the highest interest. The momentum helps.
7. Seek counseling or financial literacy. Most people aren’t lazy, they just weren’t taught how money works. Learn.

Being trapped in debt is painful. But staying there forever is a choice. If you’re in this hole, stop digging. It’s not easy, but it’s possible. You don’t need a miracle, just discipline, consistency, and a serious mindset shift. Enough is enough. Decide to break free.

-E. Makula
CCTO

01/05/2025

20 Financial Mistakes That 30-Year-Olds Regret The Most 😊

Saving and Spending Mistakes
#1 I regret not learning how to budget my money early.
#2 I wish I didn’t procrastinate on building an emergency fund.
#3 I regret spending more than I earn

Debt Mistakes
#4 I regret going into credit card debt.
#5 I wish I didn’t borrow money and not paying it

Lifestyle Mistakes
#6 I now realize that keeping up with trends was pointless.
#7 I regret upgrading my lifestyle early
#8 I wish I didn’t ignore inflation.

Income and Career Mistakes
#9 I wish I didn’t became complacent with having my salary as my only source of income.
#10 I regret not starting a business when I had the chance.
#11 I wish I hadn’t stopped learning and give time to attend Financial Seminars

Financial Planning Mistakes
#12 I wish I got into the habit of organizing my finances early.
#13 I regret not learning about investments early.
#14 I wish I didn’t ignore the future financial needs of my parents.
#15 I wish I had set long-term financial goals when I was in my 20s.

Other Mistakes
#16 I regret going into big debt for a wedding.
#17 I wish I didn’t buy things impulsively just to impress others
#18 I wish I didn’t rush into buying a car.
#19 I wish I didn’t ignore my health.
#20 I wish I put more time on my self development than entertainment

It is wiser to learn from other people's mistake than to commit the same mistake. 💪🏻

Visionary Savers - Coach Mel

13/03/2026

09/03/2026

10/02/2026

09/01/2026

01/01/2026

01/11/2025

16/08/2025

01/08/2025

27/05/2025

10/05/2025

10/05/2025

01/05/2025

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