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Bpm (short version) Bpm (short version) Presentation Transcript

  • BPMMATERIAL S BPM GUIDELINES … Start on Page 2… Start with Introduction of the speaker/trainer To the prospect/s by the Trainee. Trainer to request attendees to HOLD their Questions at the end of presentation Show excitement and Enthusiasm …. Trainee to be attentive and take notes. Do not ask questions nor answer questions. Just listen. Let the Trainer do the talking… Read through the pages and pause sometimes for SHARING… Or Use JR TRULY RICH Charts.... 5/12/2011 RVCS your Flip MAKER 1
  • BPMMATERIAL S Welcome to being Truly Rich! More than 25 Years in USA/Canada & 14 Years in the Philippines ... 5/12/2011 RVCS JR TRULY RICH MAKER 2
  • BPMMATERIAL S Our Company Offers a Total Financial Solution…•Financial Literacy... Be your own Financial Adviser•Disciplined Approach to Investing… develop thehabit•Direct Access to Financial Services Companies- Be Your Own Broker•Investment and Business Opportunity towards PASSIVE INCOME 5/12/2011 RVCS JR TRULY RICH MAKER 3
  • BPMMATERIAL S WHO WE ARE http://www.img-corp.com Is an independent marketing company whose associates, through its affiliated companies, offer a broad array of financial services and products 5/12/2011 RVCS JR TRULY RICH MAKER 4
  • This is IMG’s Mission…To make families achieve Financial Security…. We need to Increase our Income … Or, Reduce our Expenses We cannot afford to miss Most people are indebted. any of these 6 Steps… We must work out elimination of debts Next step is to create emergency Funds & we have to know how This will help us avoid debt traps to plan for it…. Agree? Before we build our wealth… We need protection for assets and life Get out of debt first before you invest Investments Invest safely and correctly should…. Finally, we need to prepare how to … transfer inheritance to our children 5/12/2011 RVCS JR TRULY RICH MAKER 5
  • Senior Citizen Survey (Philippine Statistics) 2 23 Children Charity 45 Still Working Financially Independent 30WHICH do you want? Be part of the 2% or the 98%?Obviously, the reason why you are here is becauseyou want to learn how to achieve Financial Independence imguae.support@gmail.com
  • BPM How Do WeMATERIAL S Create Our Plan?This is simple but very powerful planning tool to achieve Financial Security.. ItTells us that we must take care of our responsibilities while building our wealth The X-Curve Big SavingsBig RESP. Concept (Financial Goals)  Food REALITY CHECK:  Food  Shelter What is actually happening when we grow old?  Clothing  Shelter  Clothing  Education Does Money Line go up or down? Health  Health  Does Responsibility Line go down or  Debt-Free  Debt/Loan up? We really need to know how to increase our Money Line… INCOME (ACTIVE) We the money know how fast money doubles… (PASSIVE)You You work hard for need to INCOME Money Working Hard for Just like going to Baguio, there are many vehicles to ride…No Savings LIFE In investing , it’s the same… No RESP. YOUNG DIE TOO SOON So how fast does money double? . OLDER LIVE TOO LONG PROTECT your family Protect Yourself (Instant Money/Insurance) (Investments) Income replacement Living on Interests 5/12/2011 RVCS JR TRULY RICH MAKER 7
  • HOW 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 double 72 ÷ 4 = 18 72 ÷ 8 = 9 72 ÷ 12 = 6 Money doubles every 18 years Money doubles every 9 years Money doubles every 6 years Age 4% Age 8% Age 12% But where do most people save and invest100,000 29 Php 100,000 29 Php 100,000 29 Php their Php 400,000 38 often200,000not, people 47 65 money? More Php 400,000 41 Php 200,000 47 Php than 35 Php 200,000 Php 400,000 invest in less than 1% Php 800,000 47 Phpat 56 and borrow money 800,000 more than 12%. 65 Php 1,600,000 53 Php 1,600,000 Worst , most people dont 59 Php 3,200,000 have money to invest at all. We needPhp 6,400,000 4X 65 to learn how to Pay Yourself First!… and then harness the power of Compounding Interest to Grow 16X our Money Line …. 5/12/2011 RVCS JR TRULY RICH MAKER 8
  • BPM Where do we SQUEEZE OUT the MATERIAL Money to INVEST? S New Formula: Pay Yourself First • Problem: Life Most people want to save but ExpensesBudget INCOME style Debts don’t know how…most people know only how to spend… Income – Expenses = Savings Poverty Formula  Change the living formula  Pay God and yourself first! At the beginning of the God Expenses+ Savings Life month, before you pay anyone else INCOME Budget (10%) (20%) (70%) style Give your 10% tithes, then write a check to yourself for 20% of your income. Income–Tithes-Savings = Expenses  Discipline yourself to live below Prosperity Formula your budget With this, we can fund our Complete Financial Plans…. 5/12/2011 RVCS JR TRULY RICH MAKER 9imguae.support@gmail.com
  • Money Takes Time To Grow Target Required Required Yearly Retirement Age Age Now Saving Period Retirement Monthly Savings Savings5 Million 60 55 5 68,249 818,9875 Million 60 50 10 26,145 313,7355 Million 60 45 15 13,114 157,3715 Million 60 40 20 7,274 87,2985 Million 60 35 25 4,236 50,8405 Million 60 30 30 2,533 30,3965 Million 60 25 35 1,537 18,488 imguae.support@gmail.com
  • Monthly Interest 5 Years 10 Years 20 Years 30 Years SavingsP2,000 4% 132,600 294,500 733,550 1,827,460 8% 145,890 360,250 1,138,000 4,285,140 10% 153,120 290,730 1,436,520 6,797,580 12% 160,680 443,860 1,822,420 10,918,060P5,000 4% 331,490 736,250 1,833,870 4,568,650 8% 364,720 900,620 2,845,000 10,712,840 10% 383,810 999,320 3,591,300 16,993,960 12% 401,710 1,109,650 4,556,060 27,295,160P20,000 4% 1,325,960 2,945,000 7,335,500 18,274,620 8% 1,458,880 3,602,480 11,379,980 42,851,360 10% 1,531,240 3,997,280 14,365,180 67,975,820 12% 1,606,840 4,438,600 18,224,220 109,180,640 imguae.support@gmail.com
  • imguae.support@gmail.com
  • Four MAJOR NEEDS to COMPLETE Your Financial Plans :OPTION KAISER 4:11. INVESTMENT – to generate continuing income for you when you retire (letting Money Work For You)2. HEALTHCARE - to provide you healthcare when you retire or when you stop working (someone to take care of you when you get old). How comfortable is your health care situation after age 60, depends on a decision you make today.3. INCOME PROTECTION/LIFE INSURANCE- to protect your family if you die to soon--- life insurance protection can help you replace your income, help finance your children’s education, pay estate tax, pay debts, etc. instantly (life insurance is instant money)4. EMERGENCY FUNDS- money you can use for any emergency once the policy matures What if I could tell you about a product that provides complete solution to your 4 major financial needs? 13 KAISER PREMIUM HEALTH BUILDER For as low as 2081 /month will provide Total Solution.. A Four in One Product!
  • BPMMATERIAL FEEDBACK... S• Are these Concepts (X-Curve, Rule of 72 & Pay Yourself First ) needed by many others?• Will we be able to help many others by these concepts?• If there are many who needs these, and these can help many people, isn’t it a good business? What Do You Think about this BUSINESS?.... 5/12/2011 RVCS JR TRULY RICH MAKER 14
  • BUSINESS WE OFFER…1. One STOP SHOP of Financial Services- we have everything we need2. By-Pass The Middle Man- earn the commission yourself3. Create Your Multiple Passive Income Stream4. Have Your Own Business Franchise- create your own business outlets5. Earn Interest Income from Investments6. Earn By Helping Others Save and Invest 5/12/2011 RVCS JR TRULY RICH MAKER 15
  • ONE STOP SHOP OF ALL OUR FINANCIAL SERVICE NEEDS PHILEQUITY We need these FINANCIAL SERVICE Would you rather buy these needs Companies to or get it as your ownto as a CLIENT Execute Our 6 Steps Financial and earn the commission BROKER Freedom & Complete our5/12/2011 Four Major JR TRULY RICH MAKER RVCS Financial Needs… yourself ? 16
  • BPMMATERIAL S WHAT ARE YOUR OPTIONS?  Be a CLIENT  Be Broker Dealer of all Your Financial Needs & Start your own Business Learn and Share More 5/12/2011 RVCS JR TRULY RICH MAKER 17
  • BPMMATERIAL S As a CLIENT. Apply the concepts and learn more financial concepts for your family. Get your Financial Check Up for Free and define your Financial Strategies.As a BROKER of financial services for your family and friends. Be a business partner by JOINing & OWNing. Joining Fee of 3700PHP* and OWN your Kaiser or Insurance Protection. Then Learn and Earn by SHARING . Will do your Financial Check Up and Financial Plan. Will coach you to become successful in your Business & Investing. Will train you to be your own Financial Adviser. SHARE: Spread The Mission and Earn Your Commissions as a Broker. Be part of the Mission starting with yourself and your family… 5/12/2011 Isn’t this exciting MAKERpursue? RVCS JR TRULY RICH to 18
  • Where can you see yourself5-10 years from now?YOU HAVE TWO OPTIONS : 1. Shrink your dream to fit the size of your income 2. Increase your income to fit the size of your dream! – Challenge yourself to grow and make a change – We can help you get started into Mutual Fund Investments – We can help you earn additional income (using your spare time) – Define and Execute into Reality your Financial Plans to Achieve your Goals!VISION without ACTION is DAYDREAMINGACTION without VISION is a NIGHTMARE imguae.support@gmail.com
  • BPMMATERIAL Senior Citizen Survey S (Philippine Statistics) 2 23 Children Charity 45 Still Working Financially Independent 30 Only 2% of Senior Citizens surveyed achievedNOW…Let’s Put to ACTION our Financial Independence.Knowledge & CREATE our PLAN We are sure that we belongtowards FINANCIAL FREEDOM… to the 2% when we retire…Be 5/12/2011 of the 2% part RVCS JR TRULY RICH MAKER How about YOU?... 20 imguae.support@gmail.com
  • BPMMATERIAL S It’s about DOING what YOU LEARNED! Fill Up Business Review Card. Tell us what you want to DO. …..This should take less than 2 Minutes… 5/12/2011 RVCS JR TRULY RICH MAKER 21
  • Business Review Card DATE: ____|____|____ NAME: SPOUSE: ADDRESS: WORK PHONE: Pls Print Legibly Your Entries EMAIL: CELLPHONE: I AM INTERESTED IN…(PLEASE CHECK ONE) STARTING A BUSINESS/CAREER IN IMG LEARNING MORE ABOUT FINANCIAL SOLUTION Tell Me Please FOR MY FAMILY What You WANT? BOTH OF THE ABOVE APPOINTMENT: __|HOME __|IMG OFFICE (INDICATE AVAILABILITY) NUMBER __|MON __|TUE __|WED __|THU __|FRI __|SAT __|SUN DATE: ____________________ INVITED BY: ________________________________ TIME: ___________________ TRAINER: _________________________________ BPM____ S1-S2____ PPL____ FTS____ JOIN____ OWN____5/12/2011 22
  • BPMMATERIAL S WHAT’S NEXT? Whether you want to Learn More or Do the Business our First Step is to Define your Personal Financial Strategies… 5/12/2011 RVCS JR TRULY RICH MAKER 23
  • BPMMATERIAL S Let’s DEFINE Your Personal Financial Strategy Personal Financial Strategy …. This should take less than 10 Minutes..We will prioritize CASH FLOW ANALYSIS and FINANCIAL GOALS SETTING. I will Illustrate to you How to Achieve your Financial Goals. …. Will send through email other Financial Planning Forms so you can do it with your family/spouse…. Schedule Your FREE Financial Coaching Schedule NOW!!! 5/12/2011 RVCS JR TRULY RICH MAKER 24
  • BPM Your FinancialMATERIAL S Blueprint…. 10xAnnual NAME:_______________________ Benj Santiago INCOME May 27,2011 DATE: ______________ Note: This is for your Income Replacement & Healthcare only. Add also Investment Strategy 10x15Kx12x4 176K Level 1 Kaiser @15 Yrs _______ for Protection, and Other Needs (HIDEE) = 7.2M 350K @22 Yrs _______ Big Savings Level 2 MF @10 Yrs _______ (Financial PhP @15 Yrs _______ Goals) @20 Yrs _______ 980K 1K/mo = Target Doubles Every 10 years Plus addl If the funds paid due to for Kaiser L1 will be Inflation continued to L2. (7% ave.) @10 Yrs _______ 1026K 2k/mo = Total Projected Savings @ 20 Yrs = 2.3M Extra Income on L2 ** - Mutual FundsLEVEL 2 INVEST EXTRA INCOME ON (PAMI- 10K, PhilEquity- 5K, FAMI- 5K Initial LEVEL 2..HIGHER RISK & Plus 1K min investment@ 10, 15 and 20 yrs NEEDS LITERACY Investing… Higher Risk..Higher ReturnsLEVEL 1 INVEST HARD EARNED MONEY ON L1.. L1 is Kaiser 4:1 for 5 Years =20%@15K = 3K, NO RISK..BUILD DISCIPLINE @20% of Monthly Income Allocate 2081 L1 & 1K L2 AGE How Long Will You Save? 10-20-30 Yrs? _____ Age at Retirement Your age Now 25 20 45 * Use Kaiser Pre-Computed for Guidance 45, 50, 60, 65? _____ 25-30-40-50? _____ ** Use Wealth Calculator..LET’S CALCULATE… 5/12/2011 25 RVCS JR TRULY RICH MAKER
  • BPM How Much DoMATERIAL You Need at Age 65? S Which of these is affordable & appropriate for your future? YOU decide.... 5/12/2011 RVCS JR TRULY RICH MAKER 26
  • With Consistent & Disciplined Approach You canCreate Your Millions How much do you want to achieve for your future retirement?.... It depends on what you save NOW… Most people FAIL to start saving, because they lack LITERACY & DISCIPLINE… and worse.. They PROCRASTINATE…”Saka na lang”…. HOW ABOUT YOU? 27 5/12/2011 RVCS JR TRULY RICH MAKER imguae.support@gmail.com
  • BPM What Do You Do If YourMATERIAL Investable Funds Aren’t Just S Enough…. 10xAnnual PhP INCREASE CASH FLOW… INCOME DO IMG BUSINESS… Big Savings JOIN- 3700* Lifetime Membership (Financial OWN- Decide Kaiser or Cocolife Goals) SHARE- 5FTS be Trainee Associate Target Doubles Every 10 years T.A. = 10% due to Assoc. = 20% Inflation (7% ave.) F.L. = 30% AMD = 40% MD = 50% Extra Income on L2 ** - Mutual Funds No Savings (PAMI- 10K, PhilEquity- 5K, FAMI- 5K Higher Risk 20% of M.I. on L1 *- Kaiser 4:1 (Fixed Income Investments) AGE How Long Will You Save? Your age Now 10-20-30 Yrs? Age at Retirement 22-30-40 Yrs? * Use Kaiser Pre-Computed for Guidance 50- 60-65? ** Use Wealth Calculator..LET’S CALCULATE… 5/12/2011 28 RVCS JR TRULY RICH MAKER
  • Form 01 Statement of INCOME and EXPENSES KNOW WHAT MONEY TIME KNOW HOW TO GET Record & review monthly income & expenses. Discipline yourself to live within your budget plan MONTHLY EXPENSES BUDGET ACTUAL EXPENSES YOU WANT YOU FRAME WHAT YOU WANT MONEY YOU NEED TOMONTHLY INCOME NEED SAVE EACH MONTH Income from job, business, etc. Top 10 Reasons Other income @12% @4% Be SpecificTOTAL MONTHLY INCOME P per month P per monthTithes (10%) 1. Long-term HealthcareSAVINGS/INVESTMENTS Long-term Healthcare, Pension Plans, etc. Mutual Funds, UITF, Stocks, etc. 2. Retirement Savings OthersTOTAL SAVINGS 3. College EducationBASIC EXPENSES Household - food, groceries, etc. Child 1: Age_______ Job-Related Expenses: meals, snacks, etc. Electricity, Water, Cable TV Child 2: Age_______ Landline & Mobile Phone, Internet Child 3: Age_______ We’ll send you these forms via email…. Transportation, car repair, gas, E-pass, etc Medicine, food supplement, etc Child 4: Age_______ Shoes, clothes, personal care, etc 4. Retire Wife Salaries for househelper, driver, etc Replace Wifes income OthersEDUCATION 5. Support Parents Tuition, books, allowance, projects, etc Healthcare School Service Others 6. Pay Off DebtsDEBT/LOAN PAYMENTS Housing Loan Car Loan SSS/GSIS/PAG-IBIG Loans 7. Travels OthersINSURANCE PAYMENTS 8. House & Lot Life Insurance, Healthcare, etc Fire & Car Insurance, Business Insurance Others 9. CarOPTIONAL EXPENSES Travels, dining out, movies, etc Magazines, books, gifts, etc. 10. Others - OthersTOTAL MONTHLY EXPENSES MONEY YOU NEED TO SAVE PER MONTHTOTAL CASH FLOW EXISTING CASH FLOW INCREASE CASH FLOW! DELTA (+/-)PROSPERITY FORMULA (PAY YOURSELF FIRST) = INCOME - TITHES (10%) - SAVINGS (20%) = EXPENSES (70%)Live within the 70% of your income.. Can you achieve what you want with what you have now?If you are not able to save/invest 20% of your income, then you need to seek additional income stream Is your present income enough? Do you need to increase your cash flow? to increase your CASHFLOW! Vision without action is daydreaming. Action without vision is a nighmare! 5/12/2011 RVCS JR TRULY RICH MAKER 29
  • BPMMATERIAL SLets START UP Your BUSINESS NOW!!!  Join and Own and Meet with our MD for Hiring Interview! We can do it NOW! Joining Fee is ONLY 130US$* * 3700Php (Phil.) Let’s Fill Up the Forms… ACT NOW …Do Not Procrastinate…  Define your 5 FTS Schedule in 7 Days to Run your Business. List your first 5 Prospects. Earn while you Learn…  Attend Business Upstart School immediately. (Schedules 5/12/2011 RVCS JR TBD) for Outside Philippines TRULY RICH MAKER 30
  • MY TOP 5 REFERRALS (People Whom I’d Like to be My Business Partners) (PLEASE PRINT LEGIBLY) NAME CELLPHONE # EMAIL FTS SCHED Do FTS in 7 Days and Achieve 3:3:7!!!5/12/2011 31
  • BPMMATERIAL S END OF PRESENTATION 5/12/2011 RVCS JR TRULY RICH MAKER 32
  • BPMMATERIAL S Back Up Materials For ASSOCIATES USE ONLY 5/12/2011 RVCS JR TRULY RICH MAKER 33
  • INVEST in Mutual Funds Professional management Accessible and Affordable Diversification Asset Allocation Liquidity Money Cost Averaging Net of tax Transparency Corporate & Government imguae.support@gmail.com
  • 355/12/2011 RVCS JR TRULY RICH MAKER imguae.support@gmail.com
  • *Past performance is not indicative of future results. Types of Mutual Funds Note: This is not guaranteed by PDIC 1. BOND FUND 2. EQUITY/STOCK FUND A capital reservation-oriented mutual fund, which A long-term, growth-oriented mutual fund invested in invest solely in treasury bills & notes, high- blue-chip & growth companies (90%) and fixed- grade commercial papers, and other interest income securities (10%) bearing instruments. Fixed Income Securities Commercial Papers & Cash accounts 10% 10% 90% StocksGovernment Securities90%14% 70%12% 60%10% 50% 8% 40% 6% 30% 4% 20% 2% 10% 0% 0% -10% 94 96 98 00 02 04 94 96 98 00 02 04 19 19 19 20 20 20 19 19 19 20 20 20 imguae.support@gmail.com
  • Types of Mutual Funds *Past performance is not indicative of future results. Note: This is not guaranteed by PDIC 3. BALANCED FUND A mutual fund invested in a basket of blue-chip and Unit Investment growth stocks (50%) and government securities & Mutual Funds Trust Fund other fixed income securities (50%) (UITF) Fixed Income Securities Registered 50% Banks corporations Issues common Issues units of shares participation 50% Stocks Managed by Managed by the investment trust department of30% companies banks25%20% Corporate & Government Subject to full Not subject to full15% disclosures disclosures10% Regulated by 5% Regulated by SEC Bangko Sentral 0% OWNERSHIP vs LOANERSHIP 94 96 98 00 02 04 19 19 19 20 20 20 imguae.support@gmail.com
  • BPM ACTUAL MUTUALMATERIAL FUND S PERFORMANCE 25PHILEQUITY # 1 in 2010 1995 59% ROR 1996 25 1997 20 1998 20 1999 2000 15 Start 2001 15 2002 Record High 2003 10 10 Record Low 2004 2010 2007 2005 End 2004 2006 5 2001 2007 5 1998 2008 0 1995 2009 2010 0 2011 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 5/12/2011 RVCS JR TRULY RICH MAKER 38
  • BPM ACTUAL MUTUALMATERIAL FUND S PERFORMANCE600 PAMI 600500 1998 1999 500 2000400 2001 400 2002 Start 2003300 Record High 300 2004 Record Low 2005 End 200 2010 2006200 2008 2007 2006 100 2004 2008 2002 2009100 2000 0 2010 1998 2011 0 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 5/12/2011 RVCS JR TRULY RICH MAKER 39
  • BPM ACTUAL MUTUALMATERIAL FUND S PERFORMANCE YEAR END NAVPS FAMI # 1 in 2010 YEAR PEMI PAMI FAMI 63.3% ROR 1.3402 1995 2.1213 2.5 1996 2.0109 1997 2.6144 2 1998 122.627 3.5512 1999 140.53 3.7927 1.5 2000 119.31 NAVPS 2009 3.9041 2001 114.69 1 2010 3.7032 2002 109.02 2011 5.0201 2003 142.97 0.5 6.4474 2004 176.39 2011 7.4299 2005 203.18 0 2010 11.3127 2009 2006 291.19 1.6758 Start Record 13.3858 Record 2007 258.25 2.0085 High End Low 7.937 2008 216.36 1.3983 13.0997 2009 318.9 2.1408 20.1969 2010 378.27 3.4961 21.0601 2011 385.89 3.5045 5/12/2011 RVCS JR TRULY RICH MAKER 40
  • 5/12/2011 RVCS JR TRULY RICH MAKER 41 imguae.support@gmail.com
  • LONG TERM HEALTHCARE 1. Long term health care that covers you beyond age 60 2. Income protection (Life insurance). Anything happens to you, the plan is considered paid 3. Investments (Mutual Funds). Nothing happens to you, you get your investment back with Interests 4. + You can use this as EMERGENCY FUND For as LOW as 2081PhP/month You can have all these 4 needs and it can also be your entry to being Broker Dealer. Do J-O-S ….5/12/2011 RVCS JR TRULY RICH MAKER 42
  • The surest way to develop the habit of investing for the long term…5/12/2011 RVCS JR TRULY RICH MAKER 43
  • BPM How To Fill Up Agent’sMATERIAL Accreditation & Membership Form? S NOTE: All Forms are serialized & can only be used for one person 5/12/2011 RVCS JR TRULY RICH MAKER 44
  • BPM How To Fill Up Kaiser Form?MATERIAL S NOTE: All Forms are serialized & can only be used for one person 5/12/2011 RVCS JR TRULY RICH MAKER 45
  • HOW TO PAY YOUR KAISER AND MUTUALFUNDS Bank Payments/Deposits BANCO DE UNION ORO BANK METROBANK METROBANK BPI (Salcedo CITIBANK (Tektite (Tektit PSBank Item Product (s/a) (Main c/a) c/a) (Makati c/a) S/A) e S/A) (s/a) Instructions send scanned copy of deposit slip to MD (Fely Santiago) and provide a breakdown of amount if for multiple products/items. Use reference Number the Kaiser, Mutual 1733-1735- KAISRR Form Serial NumberIMG Funds 10552 . See above slideMUTUAL FUNDSPHILAM ASSETMANAGEMENT, PHILAM BONDINC. (PAMI) FUND, INC. 3771-00571-2 0-110059-019 PHILAM DOLLAR BOND FUND, INC. 3774-00343-5 0-603372-026 When making deposits for PHILAM FUND, the Mutual Fund accounts, INC. 3771-00163-6 0-601130-009 use the payment slip (green PHILAM STRATEGIC colored slip). Indicate Name GROWTH FUND, of the Fund and Investor INC. 3771-00160-1 0-110073-003 Name/Account Number on GSIS MUTUAL the Confirmation Receipt. FUND, INC. 7066-30870-3 3771-00864-9 0-602323-005 Send a scanned copy of the PHILAM MANAGED confirmation receipt to MD INCOME FUND, (Fely Santiago). INC. 3771-00596-8 0-756220-004 PAMI GLOBAL BOND FUND PHILIPPINES., INC. 3774-00862-3 0-756282-026 46 5/12/2011 RVCS JR TRULY RICH MAKER imguae.support@gmail.com
  • HOW TO PAY YOUR KAISER AND MUTUALFUNDS Bank Payments/Deposits METRO Product- BANK BPI CITIBANK Account (Main (Salced (Makati BANCO DE ORO UNIONBANK Item Name METROBANK (s/a) c/a) o c/a) c/a) (Tektite S/A) (Tektite S/A) PSBank (s/a) InstructionsPHILEQUITYMANAGEMENT, PHILEQUITY When makingINC. (PEMI) FUND, INC. 343-0000-151 006-030-000-101 deposits for the FIRST METRO Mutual FundFIRST METRO SAVE & LEARN accounts, use theASSET FIXED- payment slip (greenMANAGEMENT, INCOME colored slip).INC. (FAMI) FUND, INC. 016-3016-25146-2 025-332-000-225 Indicate Name of the Fund and Investor Name/Account FIRST METRO Number on the SAVE & LEARN Confirmation EQUITY FUND, Receipt. Send a INC. 016-3016-25149-7 025-332-000-214 scanned copy of the confirmation receipt FIRST METRO to MD (Fely SAVE & LEARN Santiago). BALANCE FUND, INC. 016-3016-25791-6 025-332-000-430 CONTACTS: Email Inquiries for Kaiser: customercare@kaiserhelathgroup.com For MUTUAL FUNDS: Eric Menor ( CP- 09083802640) or Email : ericmenor@rsa.com 47 5/12/2011 RVCS JR TRULY RICH MAKER imguae.support@gmail.com
  • The way you manage your TIME & CASHFLOWcan make you POOR or RICH! Example 1: How do you Example 2: How do you manage your spare time? manage your salary? – a. Make more money  a. Save some – b. Waste money  b. Spend all – c. Waste time  c. Spend before you receive it? B C B C Solution 1: Solution 2: CHANGE the things you do in your spare CHANGE your money habits… time- Use it to EARN ADDITIONAL Reduce EXPENSES--- INCOME ! Don’t be BC PAY YOURSELF FIRST. Don’t be BC!It is not what you earn, it’s what you keep!... 48 5/12/2011 RVCS JR TRULY RICH MAKER imguae.support@gmail.com
  • BPMMATERIAL S INVEST on Assets Not Liabilities What separates the rich from poor How much investments do you need  is their ability to acquire ASSETS in order to stop working: - generate money even you stop INCOME REPLACEMENT FORMULA working ANNUAL INCOME x 10  If you can not tell the difference Monthly Income: 20,000 between asset & liability, you may be setting yourself up for a 20,000 x 12 months = 240,000/year life of financial trouble 240,000 x 10 = 2,400,000 5/12/2011 RVCS JR TRULY RICH MAKER 49 imguae.support@gmail.com
  • BPM TRANSFORMMATERIAL S Yourself to PASSIVE IncomeBIG EFFORT Earner… BIG INCOME Effort = Income Work Hard Money Working For Money Hard for you Doctor OFW Interest Income Sales Agent Maturity Income Seaman Rental Properties Lawyer Royalty Income Engineer Business Franchise So What Stage are you in? Showbiz 1-2-3? Where Do You Want to Be?LESS INCOME Do you Have a PLAN? LESS EFFORTStage 1: Big Effort Less Stage 2 Stage 3: Les Effort BigIncome Income ACTIVE Income 98% Passive Income 2% 5/12/2011 RVCS JR TRULY RICH MAKER imguae.support@gmail.com 50
  • Passive Income should be greater than your monthly expense.Create Multiple Passive Income Streams through IMG . . .Interest Income Rental Income Royalty Income 6% At 0% 1 unit = P2M MD  MD P50K/year x 100 years MD makes 10 sales/mo Rental = P12K/month P5,000,000 = 200K/mo x 12 months At 10% P144K/year 200K/month P50K/year x 4 units x 6% (R.I.) x 25 years P576K/year P12K/month P5,000,000 x 12 months P144K/year P5,000,000 x 4 MDs X 10% P576K/year P500K/year Living On Interest Living On Rental Living On Royalty Income Investment: Investment: Investment: Time & Money 4 units x P2M = 8M Time & Effort 5/12/2011 52 RVCS JR TRULY RICH MAKER imguae.support@gmail.com
  • IMG System Builder – Outlet Building Business ModelIMG Business is FRANCHISING BUSINESS… Profits = $9.7M/day McDO - USA MDRI = 5% Franchise Fee = P20M–P40M Marketing Share = 5% RI = 6% 31,000 + Outlets 47M customers/day MD Franchisee Outlet Outlet 5/12/2011 RVCS JR TRULY RICH MAKER 53 imguae.support@gmail.com
  • UPSTART FAST-START SCHOOL SYSTEM MD FACTORY 9 F.L./3 AMD The FASTEST way to earn Royalty Income! 3 F.L F. L Train Trainers and Run the System to Build Builders Associate Field Leader 20% 30% J O S 3 / 3 / 30 Min 3 Associates FL AMD MD Min 9 Associates 30% 40% 50%JUST RUN FAST START MD CLUB3/3/30 TO BECOMEGo for 30:30:90 to become MD RVCS JR. TRULY RICH MAKER 05/12/2011 54
  • BPMMATERIAL FAST-START S PROMOTE YOURSELF 5/12/2011 RVCS JR TRULY RICH MAKER 55
  • BPMMATERIAL FAST-START S PROMOTE YOURSELF 5/12/2011 RVCS JR TRULY RICH MAKER 56
  • BPMMATERIAL S (The MONEY MACHINE) PROSPECTING CONTACTING YES NO BPM YES BMP Group 1-on-1 Office Home NO YES NO STARTUP NO SALES INTERVIEW PRESENTATION YES NO CLIENT JOIN REFERRAL 5/12/2011 RVCS JR TRULY RICH MAKER 57
  • UPSTART FAST-START SCHOOL SYSTEMFirst Step: Prospect List + Help person write down 50-100 names. + This is not homework/ this is seat work, you do the prospect list book togetherSecond Step: Contact & Invite 3 People right away + Chances are, the first 3 will be family members or close friends. + If your guest can’t come to the next BPM, the trainee will go out to the field and see them right away together with the trainer. + Use the FORM system to contact & invite. Invite without inviting. + Remember: Telephone is only used to invite and not to present. + A joint call with MD or trainer is recommended for the first time. 2 Ways to Start… First Way Second Way Learn everything before you start. Be coachable and follow every step Wait for a miracle Learn- Invite- Field Training- Build 05/12/2011 3/3/7 FAST START RVCS JR. TRULY RICH MAKER 58
  • UPSTART SCHOOL PROSPECTING NATURAL MARKET CREATE A PROSPECT LIST • Making a target market list should be a top priority of any new associate. • Make this list the start of an exciting business adventure . • From the list, you will build a business and potentially transform the lives of the people on it.IMPORTANT KEYS TO DEVELOPING YOUR PROSPECT LIST: 1. Add names, don’t eliminate them. 2. Use the “Executive Memory Jogger”. 3. Dissatisfied with job/ambitious to be wealthy. 4. Use the prospect list book. 5. Use the FORM & STEAM method. 6. Use the MACHODA to identify the top 25 on your list. Married/Age 25 & Up/Children/House owner/ Occupation is good/Dissatisfied with job/Ambitious 05/12/2011 RVCS JR. TRULY RICH MAKER 59
  • UPSTART SCHOOL PROSPECTING STEAM: A SYSTEM TO GET REFERRAL Relationship marketing is key to your long-term success in IMG. All of the great builders in IMG have mastered the art of getting referrals from satisfied clients. Referrals will provide you with an endless supply of prospects for recruiting and product sales. You can also generate leads using the S.T.E.A.M. system. Sample script for asking for referrals: Explain to your prospect that you are seeking a certain type of person. Tell them that when you say a word, they should give you names of people who pop up in their heads. You may have them give you names of people whom they think would be interested and for those they think would not. This is called the “STEAM” System. Each letter of “STEAM” represents one of the following words. S = Sales. Who do you know that is a great salesperson? What did you buy lately? Who sales themselves well? T = Teacher. Who comes to your mind when I say teacher? School teachers (they often need summer jobs), Sunday school teachers or anyone who teaches well? E = Enthusiastic. Who is most enthusiastic person that you know? Someone who always seems positive and always has a great attitude about life? A = Ambitious. Who do you know that really wants to be a success, or is a success? The person who goes to bed the latest and gets up the earliest? M = Money motivated or needs more money. Has one of your friends been talking about needing extra money? Who just sent kids to college? 05/12/2011RVCS JR. TRULY RICH MAKER 60
  • UPSTART INVITING/ SCHOOL CONTACTING FRIENDSHIP FARMING The System on how to contact your warm & cold prospect. There are four questions you can ask (in order) when casually talking with a stranger or visiting your friend. This is called the FORM System. This system flows more naturally if you prime the prospect first volunteering personal information about yourself. For example, when waiting in a customer service lounge in an auto service center, you might say to other nearby patrons, “”I sure hope they finish my car soon. I’ve got to pick-up my son in school (name of school) in 30 minutes. Do you have kids in school too? Which school?”F = How’s the family? You mightthe kids? Etcher if they have kids, did they grow up here in town, etc/ (cold market) = Stands for Family. How are ask him or (warm market)O = How is for Occupation.increase of salary lately? (warm market) long? Does he or she like his or her job? (cold market) = Stands work? Got any What does he or she do for a living. How = What do you do on weekends? Shopping? Or any sports? (warm market)R = Stands for Recreation. Perhaps you have a common recreational interest. (cold market) = By the way, I want to show you something, can we see each other in your house 6PM? Or in my office (warm market)M= Stands for Message. Tell the prospect what you do too. Get his or her name & contact number. (cold market) 05/12/2011 RVCS JR. TRULY RICH MAKER 61
  • UPSTART SCHOOL BPM ROLE OF THE TRAINEE AT THE BPM1. Dress properly. Let them see that this is a professional business.2. Register guest(s). Treat them special.3. Give guest(s) a tour of the office.4. Introduce guest(s) to the BPM Speaker. Guest will develop a bond with speaker and speaker will have a friend during the meeting.5. Introduce to everyone. Let your guest hear from other people.6. After BPM, feed positive thoughts. “Did you learn something?” “ Do you want to know more?”7. Have your guest fill out Business Review Card (BRC). This is seat work – not home work.8. Set up an appointment within 24 to 48 hours with them. Don’t let them go home unless they fill up the BRC & set appointment with your MD (never leave without setting up the appointment). 05/12/2011 RVCS JR. TRULY RICH MAKER 62
  • UPSTART SCHOOL ROLE OF THE TRAINEE AT THE FIELD TRAINING (BMP) 1. Trainee gives a background of the prospect to the Trainer before going to the prospect’s place. 2. Introduce the presenter properly- ex. “This is Benj (Trainer) he is a very good friend, I brought him with me because I want him to share to you how he helped me and my family”. 3 Suggest the dining table for the presentation. It’s more comfortable & relaxing. 4. Minimize distraction – control the situation. If you have to baby sit the kids then baby sit the kids. 5. Keep quiet and learn. Take notes too, and observe the techniques & emphasis of Trainer. 6. Help give push at the end to close the sale. Trainee closes by asking him/her to join and recommending the product he/she already bought. Trainer opens the pre-computed book. Trainer asks for information to fill up both IMG & Product application form (name, beneficiary). Trainer does the application Trainee continues the casual conversation. 05/12/2011 RVCS JR. TRULY RICH MAKER63 Trainer asks check or cash payment, or goes with client to the ATM machine.
  • UPSTART SCHOOL BUILDING 2.0 New Business Model for the Financial Industry As you look at the current industry, it is as outdated as dinosaurs. Their system did not change for almost 100 years. With managers and agents, bosses and employees, they can’t compete with the business-driven, independent entrepreneur. The new builders are entrepreneurs, not employees. They wake up every day thinking how to grow their business while agents in the old system worry about fulfilling their quotas for their managers. Builders also always look out for the best products in the marketplace for the clients. They don’t have to be captive to their employer’s company products. 05/12/2011 RVCS JR. TRULY RICH MAKER 64
  • UPSTART SCHOOL BUILDING 2.0The Integrity of Our System1. We don’t make money recruiting people.2. You don’t have to recruit to make money.3. Everybody gets and equal opportunity. No qualification, no prejudgment.4. We practice what we preach. JOIN: We believe OWN: We Understand and Do SHARE: We recommendMost of our markets are warm markets, that s ourfamily, friends, acquaintances, people we work with, people we careabout. This ensures that we have to do it right and do it with pridebecause we will continue to see them for the rest of our lives. We gotwhat the industry doesn’t have, our “trusted relationship”. 05/12/2011 RVCS JR. TRULY RICH MAKER 65
  • UPSTART SCHOOL BUILDING 2.0 Building is Simple… THE SYSTEM FLOW MD MD MD MD TRAINEE CLUB FACTORYDaily Field Training Weekly Office Training Build Teamwork Build a Big Organization1. MD TRAINEE: JOIN-OWN-SHARE PPL- > FTS-> Up Start Program-> BPM-BMP YOU2. MD Club: Do 3-3-30 Days to become MD Club 3 Associates in 30 Days A B C 5 PFS/Field Training Sales in 7-30 Days3. MD (Marketing Director): Build 3 MD Club Legs 1M Production or 30:30:90 Days4. MD Factory: Build MDs towards CEO and On-wards.
  • UPSTART SCHOOL BUILDING 2.0 Work the System First we Train the Trainer, and then Build the Builder LOCAL BIG BMP BPM EVENT EVENTDaily Field Training Weekly Office Training Build Teamwork Build a Big OrganizationTRAIN THE TRAINER:BMP: Bring the Meeting to the People. Follow the trainer to go outto observe and learn how to do the business.BPM: Bring People to the Meeting. Get training a the office.BUILD THE BUILDER:Local Event: Weekly Team Meetings , Meetings in the locality. Continuing education.Big Event: Seasonal big event attended by thousand all over the world. Expand our dream! Grow and explode your organization. 05/12/2011 RVCS JR. TRULY RICH MAKER 67
  • UPSTART SCHOOL BUILDING 2.0 Work the System Gone are the days of the lonely salesperson. Thefuture belongs to the trainer who can duplicateand builder who can build a large organizationthrough teaching, training, and coaching.A system whereby recruiting never stops, field trainingnever stops, promotion never stop, and cash flownever stops. You are in the business for yourselfbut not by yourself. 05/12/2011 RVCS JR. TRULY RICH MAKER 68
  • UPSTART SCHOOL THE SIMPLE FOCUS 3-3-30 NEW RECRUIT /SLOW START 5-5-30 PART TIMERS/ MEDIUM SPEED 10-10-30 FULL TIMERS/ FAST STARTERS Ultimately, you must focus on 10-10-30 if you want to build it big. This is the engine that will carry the base. By doing 10-10, you normally help fast start 3-5 New Trainees as well as taproot and put your organization on the move 05/12/2011 RVCS JR. TRULY RICH MAKER 69
  • UPSTART SCHOOL THE SIMPLE FOCUS1. Set Goals. Write down your goals. Define your Top 10 Reasons why you want to Win in this Business.2. Be emotionally disciplined and prepared. Be positive. Avoid negative people, the bench sitters and the naysayers.3. Be determined to win.“How do you get about changing the world?”First, you need to believe in yourself. Don’t waver.There will be people who will belittle and insult you andeven hurt you… but just hang on the Mission of Business… 05/12/2011 RVCS JR. TRULY RICH MAKER 70
  • UPSTART SCHOOL THE PRINCIPLE OF GIVINGIMG SYSTEM PROMOTES THE PRINCIPLE OF GIVING…1. When we Join the company, we give up the commission to our first product to the person who introduced us to the company.2. When we start as Trainee Associate, we give up one half of our commission to our Trainer. We Learn and Earn as a Trainee Associate and we Match-Up with the Trainer.3. When we refer our friends to other Trainers, we give up ½ of our commission. But ½ is better than nothing.4. When we get promoted to Marketing Director, we give up to our Up-line MD our Strongest Leg. This is our way of saying “Thank You” to our MD. “When you give, you open yourself up for an outpouring of blessings into your life…” 05/12/2011 RVCS JR. TRULY RICH MAKER 71
  • BPMMATERIAL S IMG—3/F, King’s Court Bldg 1, Chino Roces Ave., corner Dela Rosa St., Makati. Mcdo Isuzu X To Don Bosco Jollibee Mercury Caltex To Taft Ave./ LRT 5/12/2011 RVCS JR TRULY RICH MAKER 72
  • BPMMATERIAL S IMG—3/F, Veluz Frances Plaza, Gen. Aguinaldo Highway, cor Guevarra St., Dasma,Cavite. To Dasma Bayan BDO X Mercury 7-11 To Imus To Tagaytay To La Salle Dasma Petron David’s Waltermart BPI Tea House Dasma 5/12/2011 RVCS JR TRULY RICH MAKER 73
  • Business Review Card Business Review Card DATE: ____|____|____ DATE: ____|____|____NAME: SPOUSE: NAME: SPOUSE:ADDRESS: WORK PHONE: ADDRESS: WORK PHONE:EMAIL: CELLPHONE: EMAIL: CELLPHONE: I AM INTERESTED IN…(PLEASE CHECK ONE) I AM INTERESTED IN…(PLEASE CHECK ONE) STARTING A BUSINESS/CAREER IN IMG STARTING A BUSINESS/CAREER IN IMG LEARNING MORE ABOUT FINANCIAL SOLUTION FOR MY LEARNING MORE ABOUT FINANCIAL SOLUTION FOR MY FAMILY FAMILY BOTH OF THE ABOVE BOTH OF THE ABOVE APPOINTMENT: __|HOME __|IMG OFFICE (INDICATE AVAILABILITY) APPOINTMENT: __|HOME __|IMG OFFICE (INDICATE AVAILABILITY) NUMBER __|MON __|TUE __|WED __|THU __|FRI __|SAT __|SUN NUMBER __|MON __|TUE __|WED __|THU __|FRI __|SAT __|SUN DATE: ____________________ INVITED BY: ________________________________ DATE: ____________________ INVITED BY: ________________________________ TIME: ___________________ TRAINER: _________________________________ TIME: ___________________ TRAINER: _________________________________ BPM____ S1-S2____ PPL____ FTS____ JOIN____ OWN____ BPM____ S1-S2____ PPL____ FTS____ JOIN____ OWN____ Business Review Card Business Review Card DATE: ____|____|____ DATE: ____|____|____NAME: SPOUSE: NAME: SPOUSE:ADDRESS: WORK PHONE: ADDRESS: WORK PHONE:EMAIL: CELLPHONE: EMAIL: CELLPHONE: I AM INTERESTED IN…(PLEASE CHECK ONE) I AM INTERESTED IN…(PLEASE CHECK ONE) STARTING A BUSINESS/CAREER IN IMG STARTING A BUSINESS/CAREER IN IMG LEARNING MORE ABOUT FINANCIAL SOLUTION FOR MY LEARNING MORE ABOUT FINANCIAL SOLUTION FOR MY FAMILY FAMILY BOTH OF THE ABOVE BOTH OF THE ABOVE APPOINTMENT: __|HOME __|IMG OFFICE (INDICATE AVAILABILITY) APPOINTMENT: __|HOME __|IMG OFFICE (INDICATE AVAILABILITY) NUMBER __|MON __|TUE __|WED __|THU __|FRI __|SAT __|SUN NUMBER __|MON __|TUE __|WED __|THU __|FRI __|SAT __|SUN DATE: ____________________ INVITED BY: ________________________________ DATE: ____________________ INVITED BY: ________________________________ TIME: ___________________ TRAINER: _________________________________ TIME: ___________________ TRAINER: _________________________________ BPM____ S1-S2____ PPL____ FTS____ JOIN____ OWN____ BPM____ S1-S2____ PPL____ FTS____ JOIN____ OWN____
  • MY TOP 5 REFERRALS MY TOP 5 REFERRALS (People Whom I’d Like to be My Business Partners) (People Whom I’d Like to be My Business Partners)NAME CELLPHONE # EMAIL FTS SCHED NAME CELLPHONE # EMAIL FTS SCHEDDo FTS in 7 Days and Achieve 3:3:7!!! Do FTS in 7 Days and Achieve 3:3:7!!! MY TOP 5 REFERRALS MY TOP 5 REFERRALS (People Whom I’d Like to be My Business Partners) (People Whom I’d Like to be My Business Partners)NAME CELLPHONE # EMAIL FTS SCHED NAME CELLPHONE # EMAIL FTS SCHED Do FTS in 7 Days and Achieve 3:3:7!!! Do FTS in 7 Days and Achieve 3:3:7!!!
  • BPMMATERIAL S Benjie Santiago (0920) 902 1217 Email: benj5_santiago@yahoo.com Or richbenj.santiago@gmail.com Fely Santiago (0920) 961 3126 Email: fcs3483@yahoo.com Or fely.santiago@gmail.com 76 5/12/2011 RVCS JR TRULY RICH MAKER
  • 5/12/2011 RVCS JR TRULY RICH MAKER 77