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21/11/2025

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Don't wait for tomorrow if you can secure your HMO right now .Your excuses will not pay your hospital bills in the futu...
30/09/2025

Don't wait for tomorrow if you can secure your HMO right now .Your excuses will not pay your hospital bills in the future.Life is unpredictable.
✔️HEALTHCARE IS NOT A RIGHT BUT ITS A PRIVILEGE.

Cel, is IMG an insurance company? 🤔IMG is not an insurance or investment company. It is a brokerage company that has est...
08/08/2025

Cel, is IMG an insurance company? 🤔

IMG is not an insurance or investment company. It is a brokerage company that has established partnership with many financial services companies including insurance and investment companies.

While many have misunderstood IMG as selling insurances and investment products, IMG only educates people the importance of understanding financial concepts and products. When a person decides to apply what he has learned through IMG's trainings and lectures, IMG recommends financial products to where one can invest in through its affiliated product partners. Technically, IMG educates and only recommends just like a doctor who diagnoses and recommends medicines not necessarily selling medicines.

Traditionally, when a person wants to invest or avail a financial product, he goes to different agents to different companies of different financial products. It is a very tedious task and that's why a lot of people dont want to understand or learn financial matters.

IMG has solved this dilemma by becoming a one-stop shop of financial services and products. Personally, IMG became my wake-up call that I should take charge of my finances.

While we have heard a lot of horror stories of agents that got fired or ran away from their companies leaving clients clueless of what to do, IMG helps people to become their own financial experts. Being a part of IMG, you remove the middle man or agents and you take charge of your financial future. There is a difference between Financial Agents and Financial Educators. The former are after the money they will get from you, while the latter are after the learning and concepts they could share to you.

If you want to know more about IMG and its 60+ Benefits as a member, lets talk Maricel Cruz https://125613sg.imgcorp.com/linkbio

This is how we changed life and the impact that we do for families.IMG TEACHES‼️ 👇👇👇PITONG PARAAN UPAN...
31/07/2025

This is how we changed life and the impact that we do for families.

IMG TEACHES‼️
👇👇👇
PITONG PARAAN UPANG DI MABITIN SA PERA..

1. SAVE. Pay yourself first, bawasan ang kita bago gumastos at magbayad ng mga bills para may madukot ka in case of emergency..

2. GIVE. Honor the Lord and give back with the heart.

3. GET OUT OF DEBT. Hindi masama mangutang kung gagamitin mo sa tamang paraan at binabayaran mo ayon sa iyong pangako. Pero kung gamitin mo yong utang mo para sa luho, yan ang pinakamalaking mali.

4. LIVE SIMPLY. Be frugal. Keep your expenses less than your income. Huwag gumastos ng malaki pa sa kinikita mo.

5. INCREASE YOUR CASH FLOW. Magsipag. Maghanap ng sideline, maging enterprising, magnegosyo.

6. MAG-INVEST FOR THE LONG TERM like insurance and retirement funds.Tatanda ka rin, magreretire, magkakasakit at lilisan sa mundo kaya dapat paghandaan mo rin ito para hindi ka magiging panic at sa mga anak o Mahayana. But investigate first before you invest, para hindi maloko sa mga scams.

7. EDUCATE YOURSELF. Mag-aral, magbasa ng libro at mag attend ng mga Financial Literacy Class para madagdagan ang iyong knowledge at skills.

Usap tyo🥰 gusto kong matututunan mo lahat ng ito‼️
In IMG WINNER ang BUHAY 👍👍👍
Ur Financial Literacy Partner Maricel Cruz

𝗧𝗮𝗸𝗲 𝗬𝗼𝘂𝗿 𝗠𝗼𝗻𝗲𝘆 𝗦𝗲𝗿𝗶𝗼𝘂𝘀𝗹𝘆. Trust me!Dati, ang mindset ko sa pera simple lang:“Pag may extra, enjoy natin.”Travel. Starbu...
24/07/2025

𝗧𝗮𝗸𝗲 𝗬𝗼𝘂𝗿 𝗠𝗼𝗻𝗲𝘆 𝗦𝗲𝗿𝗶𝗼𝘂𝘀𝗹𝘆.

Trust me!

Dati, ang mindset ko sa pera simple lang:
“Pag may extra, enjoy natin.”
Travel. Starbucks. Shopee sale. Deserve ko naman, ’di ba?

Pero isang emergency ang bumago ng lahat.

We had a hospital bill worth over ₱200,000.

Saan ko kinuha?

UMUTANG sa mga pwedeng utangan.

Doon ko narealize:

Hindi pala pera ang problema ko.
Kundi yung mindset ko sa pera.

Wala akong safety net. No Health Card
Wala akong “pang laban” sa biglaang bagyo.
Wala akong depensa...kahit ilang taon na akong nagtatrabaho.

⸻
Ngayon, iba na.
May health fund kami kahit papano
May emergency savings kahit maliit
May insurance kahit maliit pa ang coverage ngayon.
At kahit simple lang ang lifestyle namin ngayon…
Tahimik ang loob ko. PAYAPA!

Kasi kung may dumating man ulit na hindi inaasahan
May panangga na kami.

⸻
So if you’re earning right now… please, take your money seriously.

Hindi mo kailangang maging milyonaryo para maging handa.

Ang kailangan mo? Disiplina.

Konting sakripisyo ngayon, para you and your family are protected. They are safe..

Don’t just earn to spend.
Earn to stand strong.

Para sa sarili mo.
Para sa pamilya mo.
Para sa peace of mind

Financial peace is not about having everything.
It’s about knowing you’re ready... kahit anong mangyari.

⸻
Kung nakarelate ka dito… baka ito na yung sign.

Start today.

Kahit maliit, kahit mabagal, basta magsimula.

LIFE UPDATE: Hindi na puro resibo laman ng wallet ko ngayon. ☺️

Learn to diversify your money with another vehicle that will help you increase your wealth.In IMG you will learn and be ...
20/07/2025

Learn to diversify your money with another vehicle that will help you increase your wealth.In IMG you will learn and be educated where to put your money that will help you SAVE, INVEST and GROW.
FINANCIAL EDUCATION is a must.



For more details, just message me 😊🙏
01/04/2025

For more details, just message me 😊🙏

Introducing the new launch of IMG, Marketplace! With the collaboration of Rampver. Woosssh!
02/06/2024

Introducing the new launch of IMG, Marketplace! With the collaboration of Rampver. Woosssh!

BAKIT BA MAGANDA ANG KAISER 3-IN-1 INVESTMENT?Meron itong Long-term Healthcare + Life Insurance + Mutual Funds Investmen...
10/02/2024

BAKIT BA MAGANDA ANG KAISER 3-IN-1 INVESTMENT?

Meron itong Long-term Healthcare + Life Insurance + Mutual Funds Investment.

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

✔Kapag hindi mo nagamit ang annual health care coverage mo hindi sya naeexpire unlike short-term health care (HMO) na no refund ang premiums magamit mo man or hindi. Sa Kaiser marereceive mo ang guaranteed Long-term care bonus (cash) sa maturity.

✔May kasama na syang life insurance for income replacement or protection para sa family just in case may nangyari 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 healthcare coverage sa beneficiary.

✔Nakainvest sa mutual funds 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.

Sinu ang pwedeng maka avail nito?

Lahat ng nasa 10-60 years old mayaman man o mahirap.

Send us a message for more details. Thank you!

Noong may nagsabi sa akin ng healthcare ayaw ko kasi sabi ko may healthcare naman ako sa employer ko.. Pero nong huli n...
20/01/2024

Noong may nagsabi sa akin ng healthcare ayaw ko kasi sabi ko may healthcare naman ako sa employer ko.. Pero nong huli naisip ko pala na hindi habang buhay nasa abroad ako kaya kumuha na ako ng "LONGTERM HEALTHCARE PLAN" para pag dating ng araw maggagamit ko ito at ng pamilya ko..

The Filipino Investment Guide
is actually recommending
LONG-TERM HEALTHCARE
that does not only stand as healthcare, rather a
"COMPLETE RETIREMENT PACKAGE"
Or that supports a
"COMPLETE FINANCIAL PLAN."
Sa PILIPINAS,
NAG-IISA lang ang ganito sa market:
"KAISER LONGTERM HEALTHCARE"
It's a 3 in 1 plan, composed of:
(1) Lifetime Healthcare,
(2) Lifetime Investment and
(3) Life Insurance.

HOW Does
Kaiser Long Term Healthcare Work?

Gusto moba malaman ang full details ng Kaiser LTC.
Usap tayo☺️
Pm.me
Virginia Jala

Huwag mahiya magmessage sa akin para GUIDE kita.
ctto

“Dreams Demand DECISIONS.” Share ko lang, akala ko noong 2014 noong kinuha akong Event’s writer ng IMG, recruit-recruit ...
20/01/2024

“Dreams Demand DECISIONS.”

Share ko lang, akala ko noong 2014 noong kinuha akong Event’s writer ng IMG, recruit-recruit ang IMG para kumita ka. PERO Hindi pala. HINDI KO KASE NAIINTINDIHAN noon. Dineadma ko. Pero noong 2015, nakita ko ang Finance Officer namin sa ABSCBN, nakapila sa Cashier ng IMG office sa Makati. Nagulat ako! Sabi ko, Sir, Bakit nandito ka? Sabi niya, ano ka ba, MEMBER ako. Then at the back of my head, sabi ko, kung ang finance manager ay Member ng IMG, bakit hindi ako? Bakit hindi ako member? samantalang, I am Financially Struggling that time. Kaya, kahit hindi ko naiintindihan noon, nag-MEMBER ako, masabi lang na member. Then, two years later, SINCE ako pa rin ang writer ng IMG sa Convention of Champions, lagi kong naririnig ang kwento ng mga dating BAON SA UTANG, PERO NAKALAYA AT NAKAAHON. Kwento ng MAFO-FORECLOSED NA BAHAY PERO UNTI-UNTI NILA ITONG NABAYARAN. KWENTO NG JANITOR, FACTORY WORKER, AT KARGADOR NA MAY IPON AT INVESTMENT. Sabi ko, buti pa sila MERON IPON AT MUTUAL FUND INVESTMENTS PERO AKO WALA.

Then i GAVE Financial Literacy a chance or rather binigyan ko po ng pagkakataon ang sarili ko na mapakinggan ang tinuturo ng IMG. At nang maunawaan ko ang tungkol sa SOLID FINANCIAL FOUNDATION, at ang very first step ay ang pagkakaroon ng HEALTHCARE… Wala nang tanong-tanong, NAGDESISYON ako, kahit may HMO kami sa ABSCBN noon, KUMUHA PA RIN AKO NG KAISER, because i understood that this is the only Healthcare na may kasamang Insurance, savings at investment. Ibig sabihin, dahil may HMO ako sa company na pinagtatrabahuhan ko, ‘Yon ang gagamitin ko sakali na magkasakit o maospital ako. at HINDI MAN NATIN MAGAMIT ANG HMO NG KAISER, (Dahil may HMO Provided ng company), mas LUMALAGO ang INVESTMENT part nito.

Naintindihan ko na MAGAMIT MO MAN O HINDI ANG KAISER LONG TERM HEALTHCARE, LUMALAGO PA RIN ANG PERA na hinuhulog ko. WALANG NASASAYANG. WALANG NATATAPON O NABABALEWALA. That is the BEAUTY of this Health Savings Plan.

Then 2 Years later, because i decided to do the MISSION of IMG, and that is to help our kababayans by sharing it’s Financial Concepts… UNTI-UNTI NAKAPAGBUILD TAYO NG SOLID FINANCIAL FOUNDATION. Nakapagipon kahit papaano, at nakakatulong.

Maraming FREE TRAVELS ang IMG.
PERO DAHIL RIN SA IMG, Nakapaghanda tayo ng Travel funds para marating natin ang destinasyon na gusto natin marating. Again, Travelling alone allows you to think and it gives you different perspective about life. And it is good for our hearts.

NagDESISYON Ako 2017 na mag-KAISER. (Fully paid na po ako). Nag-DESISYON ako na magmimisyon at magbabahagi ng FINANCIAL LITERACY noong 2019.

At Heto po ako ngayon… 2024, Patuloy na nagmimisyon at tinutupad ang mga pangarap.

Saan mang panig ng mundo po tayo makarating, Lagi natint bitbit sa puso ang PINAKAMAGANDANG MISYON na Turuan at tulungan ang ating mga kababayan na makapag-ipon ng Tama at Makakawala rin sa utang. We will help them achieve FINANCIAL INDEPENDENCE.

Thank You, IMG. 💙💚 🙏🏻


Location: San Francisco International Airport. ✈️

IMG converts people from being SPENDER to SAVER, INVESTOR and FINANCIAL EDUCATORS. 💪🏻 😁Join the biggest community of sav...
19/01/2024

IMG converts people from being SPENDER to SAVER, INVESTOR and FINANCIAL EDUCATORS. 💪🏻 😁

Join the biggest community of savers and investors 😊 Be with people who inspire you to save and invest for your future!

Address

Singapore
098450

Telephone

+6588370587

Website

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