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2. Page 2Karis Alexei PearlA. Intong (speaking) 3. Page 3Do you wantto becometruly rich? 4. Page 4 5. Page 5 6. Page 6 7. Page 7 8. Page 8Welcome to being Truly Rich!!!IMG (International Marketing Group) - is an independentmarketing company whose associates, through its affiliatedcompanies, offer a broad array of financial services andproducts.WE ARE IN A MULTI-TRILLION DOLLAR INDUSTRY, BACKEDBY MULTI BILLION DOLLAR COMPANIES 9. Page 9Welcome to being Truly Rich!!!More than 25 Years in USA and Canadaand 14 Years in the Philippines 10. Page 10Welcome to being Truly Rich!!!We are one of biggest and fastest growingfinancial services marketing companies withassociates and offices in Europe, USA,Canada, Middle East, and Asia: In almost allthe States in USA, Italy (Milan, Rome), Dubai,UAE, Singapore, Taiwan, Hong Kong, Macau,Thailand, Vietnam, Cambodia, and all overthe Philippines (Luzon, Visayas andMindanao)We have been able to help thousands ofassociates take advantage of flexible time,commitment and schedule.We have been changing peoples lives allover the world!! 11. Page 11What do we offer?A Total FinancialSolution 12. Page 12WHAT ARE THESE SOLUTIONS?Financial Literacy - be your own FinancialAdviser...-Learn how to manage your money...-Get OUT of DEBTs...Make MONEYWORK FOR YOU!!!Disciplined Approach to Investing - developthe habit...- Proper and Solid Financial Foundation 13. Page 13WHAT ARE THESE SOLUTIONS?Direct Access to Financial ServicesCompanies- Be your Own Broker...- Earn from your own needsInvestment and Business Opportunitiestowards PASSIVE INCOME (retirementpreparations) 14. Page 14 15. Page 151. INCREASE CASH FLOW Earn additional income Manage expensesWe need to increase our income Reduce our expenses 16. Page 162. MANAGE DEBT Consolidate Debt Eliminate Debt 17. Page 173. EMERGENCY FUNDS Save three(3) months income Prepare for medical emergencies 18. Page 184. ENSURE PROPER PROTECTION Protect against loss of income Protect family assetsWe need protection for assets and life!!! 19. Page 195. BUILD LONG-TERM SAVING Get out of debts first before you invest! Invest safely and correctly Invest on assetsINVESTMENTS shouldgenerate PASSIVE INCOME 20. Page 206. PRESERVE YOUR ESTATE Help limit probate costs Maintain PrivacyWe cannot afford to miss any of these 6 Steps& we have to know how to plan for it. Agree?We cannot afford to miss any of these 6 Steps& we have to know how to plan for it. Agree? 21. Page 21 This is a simple but very powerfulplanning tool to achieve FinancialSecurity It tells us that we must take care of ourresponsibilities while building ourwealth.HOW DO WE CREATE OUR PLAN? 22. Page 22No SavingsBig Savings(FinancialGoals)Big RESP.No RESP.DIE TOO SOON LIVE TOO LONGINCOME (ACTIVE)You work hard for the money Food Shelter Clothing Education Healthcare Debt/Loan Food Shelter Clothing Health Debt-FreeTHE X-CURVE CONCEPTINCOME (PASSIVE)YOUNG OLDERPROTECT your family(Instant Money/Insurance)Income replacementProtect Yourself(Investments)Living on InterestsMoney working hard for youAge Line 23. Page 23WHERE DO WE SQUEEZE OUT THE MONEY TO INVEST?New Formula: Pay Yourself First Problem:Most people want to save butdont know howmost people know only how tospendINCOME BudgetExpensesLifestyleDebtsIncome Expenses = SavingsPoverty Formula Change the living formula Pay God and yourself first!At the beginning of the month, beforeyou pay anyone else Give your 10%tithes, then write a check to yourself for20% of your income. Discipline yourself to live belowyour budgetIncomeTithes-Savings =ExpensesProsperity FormulaINCOME BudgetGod(10%)Savings(20%)With this, we can fund our Complete Financial Plans. 24. Page 24With Consistent & Disciplined Approach Youcan Create Your MillionsWith Consistent & Disciplined Approach Youcan Create Your Millions 25. Page 25HOW DO WE MAKE MONEY WORK FOR US?RULE OF 72 (LXXII)Dividing the number 72 by the interest rate of your savings or investmentswill give the estimated number of years it will take for your money to double72 4 = 18Money doubles every 18 yearsAge 4%29 100,00048 200,00065 400,00072 8 = 6 72 12 = 6Money doubles every 9 years Money doubles every 6 yearsAge 8% Age12%29 100,00053 1,600,00047 800,00041 400,00035 200,00029 100,00038 200,00047 400,00056 800,00065 1,600,00059 3,200,00065 6,400,0004X16XBut where do most people save and investtheir money? More often than not, peopleinvest in less than 1% and borrow moneyat more than 12%.Worst, most people dont have money toinvest at all. We need to learn how to PayYourself First! and then harness thepower of Compounding Interest to Growour Money Line and Make Money Work!!! 26. Page 26IMGs 3 LEVELS of INVESTMENTIMGs 3 LEVELS of INVESTMENT1. KAISER INTERNATIONALHEALTHGROUP, INC.2. MUTUAL FUNDS3. STOCK MARKET 27. Page 27A COMPLETE FINANCIAL PLAN ITS 4 IN 1!!!1. HEALTHCARE2. LIFE INSURANCE3. EMERGENCY FUND4. INVESTMENT 28. Page 28 29. Page 29THINK ABOUT THIS Medical costs doubles every 5-7 years A lot of sick people die not because there is no medicinebut because of no money A majority of Filipinos dont save money for futurehealthcare needs You cannot bring with you the healthcare benefits providedby your company when you retire or resign No traditional healthcare company covers ages 61 and up. Most people rely on their children, or sell properties, orborrow money for their medical needs during retirement. Majority of Personal Bankruptcy is due to Medical Crisis. 30. Page 301. Will build your DISCIPLINE2. Will help you ensure you build WEALTH no matterwhat happens to you (Death or Accident)3. You have quick access to hospitals in case ofemergencies4. You can use it for anything, for anyone, anywherein the world when it matures. Not just HealthcareNeeds.5. Your beneficiary can inherit it!!! 31. Page 31Frequently Asked Questions:What is the financial viability of Kaiser?Answer:Kaiser is registered with SEC and has an authorized capitalization of Php 160M. It hasfully complied with all the SEC regulations. It is also approved by Department of Healthto operate as an HMO. The Investment and funds are managed by the top leadingfinancial Institutions in the Industry.How can we be sure KAISER will still be there in the long term? And, can wetrust KAISER to fulfill its commitments?1. The Kaiser Premium Health Builder is a product of two actuarial studies made by anAmerican and a Filipino actuarian, respectively.2. The company and the products offered have passed the regulatory requirements ofthe govt 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, can not touch the trust fund. It is reserved forthe future claims by the plan holders.4. Kaiser trust fund is managed by two reputable international banks namely: 1. INGBANK(based in the Netherlands) 2. DEUTSCHE BANK (based in Europe).Frequently Asked Questions:What is the financial viability of Kaiser?Answer:Kaiser is registered with SEC and has an authorized capitalization of Php 160M. It hasfully complied with all the SEC regulations. It is also approved by Department of Healthto operate as an HMO. The Investment and funds are managed by the top leadingfinancial Institutions in the Industry.How can we be sure KAISER will still be there in the long term? And, can wetrust KAISER to fulfill its commitments?1. The Kaiser Premium Health Builder is a product of two actuarial studies made by anAmerican and a Filipino actuarian, respectively.2. The company and the products offered have passed the regulatory requirements ofthe govt 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, can not touch the trust fund. It is reserved forthe future claims by the plan holders.4. Kaiser trust fund is managed by two reputable international banks namely: 1. INGBANK(based in the Netherlands) 2. DEUTSCHE BANK (based in Europe). 32. Page 32INVESTEARLY 33. Page 33Mr. Early Saver Mr. Late SaverTHE HIGH COST OFWAITINGAGE PAYMENTACCUMULATIONEND OF YEAR222324252627282930313233343540506061622223242526272829303132333435405060616220,00020,00020,00020,00020,00020,000000000000000000000020,00020,00020,00020,00020,00020,000000000022,40047,49075,590107,060142,300181,780203,590228.030255,390286,030320,360358,800401,860450,080793,2002,463,5507,651,4108,569,5809,597,93000000022,40047,49075,590107,060142,300181,780203,590228.030401,8601,248,1103,876,4404,341,6104,862,610PAYMENTAGEACCUMULATIONEND OF YEAROPTION 1:SACRIFICENOW...AND ENJOYLATER...OPTION 2:ENJOYNOW... ANDSUFFERLATER... 34. Page 34LEVEL 2MUTUAL FUNDS 35. Page 35WHAT IS MUTUAL FUND?A Mutual Fund is a pool of funds of manyindividuals and institutional investors in aninvestment company to form a massive assetbase. The assets are then entrusted to a fulltime professional fund manager who developsand maintains a diversified portfolio of securityinvestments. People who buy shares of amutual fund are its owners or shareholders. 36. Page 36How it works? 37. Page 371. Professional management: One of the main attractions of mutual funds is that itaffords its investors, particularly the small ones, the services of full-time professionalmanagers whose job is to analyze the various investment products available in the marketand select those that would give the best possible returns to the fund and itsshareholders.-work and make investment decisions on your behalf.2. Low capital requirement: Direct investments usually require substantial capital.The minimum investment amounts for Treasury Bills and commercial paper, for instance,range from Php100,000 to Php1 million depending on the bank or investment house youare dealing with. This also holds true for stocks because while an investor may be able tobuy one lot (shares are sold in board lots of 10 to 1 million shares depending on theprice at which these shares are traded) for as low as Php1,000 to Php5,000, he may notfind a stockbroker who will service his account because they prefer to deal with high networth individuals (rich people in laymans terms) or at least with people who havesubstantially more than just Php5,000.00 to invest. In contrast, most mutual funds in thePhilippines require a minimum initial investment amount of only Php5,000.00 andminimum additional investments of Php1,000.00. 38. Page 383. Diversification: here is a saying that goes, Do not put all your eggs in onebasket. This adage is especially true in the world of investments which is full ofuncertainties. There is no such thing as a sure thing. An important investmentprinciple that requires holding several securities to reduce the risks associatedwith investing in individual securities is called diversification. When people investin a mutual fund, they achieve instant diversification because the fund is usuallyinvested in a wide array of securities.4. Liquidity: Liquidity is the ability to readily convert investments into cash.Other investment products require investors to find a buyer so that he canliquidate his investment. That is not the case with mutual fund shares becausethe fund itself stands ready to buy back these shares at the prevailing Net AssetValue Per Share. While the law provides that redemption proceeds must begiven within seven (7) banking days from the date of the redemption request,most funds are able to pay the redemption proceeds within a day. Mutual fundsare, therefore, considered very liquid investments. our wish. 39. Page 395. Safety: Safety is a very important consideration for most investors. Sometimes even moreimportant than potential returns (well on second thought, maybe not). Nevertheless, mutualfunds are highly regulated by the Securities and Exchange Commission under the InvestmentCompany Act and its implementing rules. They are prohibited from investing in particularinvestment products and engaging in certain transactions (this is discussed in greater detail in alatter section). They also have to submit regular reports to the SEC as well as to theirshareholders. All of the funds assets must be held by a custodian bank for safekeeping.6. Potential Higher Returns: Because a mutual fund is managed as a single portfolio, it isable to take advantage of certain economies of scale. For instance, with its millions undermanagement, it can negotiate for lower stockbrokerage fees or command higher interest rateson fixed-income investments. In the end, however, it is still the investment adviser who reallymakes the big difference between making direct investments and investing in mutual fundsbecause very few individual investors can match the experience and skill of full-timeprofessional fund managers. 40. Page 407. Convenience: In other countries, mutual funds can be purchaseddirectly from a funds or through a broker, financial planner, bank orinsurance agent, by mail, over the phone and increasingly over theinternet. The popularity of mutual funds in the Philippines is fastcatching up. It may be a matter of time for this level ofconvenience to be a reality in the country. Funds also offer avariety of other services, including monthly or quarterly accountstatements, tax information, and 24-hour phone and computeraccess to fund and account information. 41. Page 41LEVEL 3 STOCK MARKET 42. Page 42Who are the companies behindIMG? 43. Page 43WWW.TRULY-WEALTHY.COMKARIS ALEXEI PEARL INTONGVALENCIA CITY, BUKIDNON+639173100568