Common Money Mistakes Impulsive Spending  o Shopping when you’re bored/stressed/upset will make   you buy things you will...
Common Money Mistakes Being Swayed by Sale Strategies  o Sale, Discounts, Promotions, & 0% Installments Not Tracking You...
Common Money Mistakes Credit Mismanagement  o Credit Cards, Personal Loans, Mortgages  o Borrowing money to buy things th...
Common Money Mistakes• Overly conservative in Investing Money      Philippine Daily Inquirer 2008: Only 3% of OFWs invest...
6 Steps to Financial Security1. Increase Cashflow Cashflow is the movement ofmoney into or out of an account.
Cashflow Quadrant                                                   • Time• Full Time                                     ...
6 Steps to Financial Security1. Increase CashflowHow do we increase our Cash Inflow? Earn additional income  passive Ma...
Pay Yourself Firsto Problem:   Most people want to save but                           Expenses                            ...
6 Steps to Financial Security2. Manage Debt   •   Consolidate Debt   •   Eliminate Debt
Debt Management Types of debt:  • Bad Debt – cash flows out of     your pocket  •   Good Debt – cash flows into      your...
6 Steps to Financial Security3. Create Emergency Fund   •   To avoid debt traps, save 3-6 months of       your monthly inc...
6 Steps to Financial Security4. Ensure Proper Protection   •   Ensure that your family will not       struggle to survive ...
Protection:1. Get the maximum benefit   * Healthcare   * Insurance   * Investment link (passive income)2. Go for term insu...
6 Steps to Financial Security5. Build Long-Term Savings /   Investments  •   Acquire ASSETS (cash inflow)      •   Mutual ...
The X-Curve Concept                           2 Stages of Financial Life    Food      Education                      Fo...
The Rule of 72 (LXXII)Dividing the number 72 by the interest rate of your savings or investmentswill give the estimated nu...
oINFLATION is a rise in the general level of prices of goods and services in an economy. When the general price level rise...
o Projection of a P10,000 expense
INFLATION RATE, PHILIPPINES                                                      2005 – 2011 Month 2011 2010 2009 2008 200...
Best Interest Rates on a 1 Year / 12 month              Time Deposit in the Philippines                         as of Jun ...
Best Interest Rates on a 1 Year / 12 month              Time Deposit in the Philippines                        as of Jun 2...
10 YRS @ 4%P   132,520         P 1,787,211.29
6 Steps to Financial Security6. Preserve Your Estate  •   Ensure that everything you’ve worked for in      your entire lif...
Building a Solid Financial Foundation            INVESTMENT          EMERGENCY FUND         DEBT MANAGEMENT       PROTECTI...
« BUILD IT RIGHT. BUILD IT STRONG»
Is an independent Years in USA/Canadawhose       More than 25 marketing company &associates, through its affiliated compan...
OUR MISSION      Make a Difference for Families At IMG, we can help make a differencefor families by showing them a new pa...
OUR VISION                To Build and Provide     the Best Business Opportunity in the WorldOur plan is to revolutionize ...
OUR CRUSADEChange people from:                                ENTREPRENEURSSPENDERS        SAVERS                         ...
Joen has a mission: towhat he’s talking about."theis a registered financial     certainly knows change the adage that He r...
IMG Offers Total Financial Solution• Financial Literacy     Learn the fundamentals of Protection, Debt Management,      &...
IMG Offers Total Financial Solution• Direct Access to Financial Services Companies     Be informed of the latest updates ...
What IMG Can Provide1. ONE STOP SHOP of all Financial Services2. By-Pass The Middle Man (earn the commission yourself)3. C...
What IMG Can Provide1. ONE STOP SHOP of Financial Services2. By-Pass the Middle Man (earn the commission yourself)3. Creat...
YOUYOU (BROKER)  BROKERINVESTMENT
What IMG Can Provide1. ONE STOP SHOP of Financial Services2. By-Pass the Middle Man (earn the commission yourself)3. Creat...
Proverbs 6: This chapter advises release from foolishindebtedness (vv:1–5), admonishes avoiding laziness(vv:6–11), warns o...
“ To be born rich or poor is not achoice, but to become rich or poor,thats a choice that GOD leaves up tous.”             ...
Most people are indebted.Live simply.This will help us avoid debt trapsBefore we build our wealth--We need protection for ...
Always inform your relatives of your insurance.
DO YOU KNOW THAT:1. Near 90% of Filipinos are not saving for long-term medicalneeds2. Medical Inflation is 3 to 4 times th...
INVESTMENT          EMERGENCY FUND         DEBT MANAGEMENT       PROTECTION: INSURANCE            HEALTHCARE     INCREASE ...
Major Advantages of Kaiser Pre-existing illness:  • excluded from healthcare claims during payment period only  • exclude...
http://www.kaiserhealthgroup.com/
MUTUAL     FUNDS
Mutual Funds vs Bank Deposits• Bank Deposits      Your money is actually invested in financial instruments with higher   ...
TYPES OF MUTUAL FUNDS  STOCK/EQUITY FUNDP8+$1                         BALANCED FUNDP9+$4BOND/FIXED-INCOMEP11+$8+€2http://w...
TYPES OF MUTUAL FUNDS      TYPE           COMPOSITION             OBJECTIVE          AVERAGE RETURN* MONEY MARKET         ...
PRIMARY REASONS TO INVEST IN MUTUAL FUNDS1. Professional management: One of the main attractions of mutual funds isthat it...
PRIMARY REASONS TO INVEST IN MUTUAL FUNDS3. Potential Higher Returns: Very few individual investors can match theexperienc...
PRIMARY REASONS TO INVEST IN MUTUAL FUNDS5. Diversification: investing in variety of assets; here is a saying thatgoes, “D...
WHAT IS DIVERSIFICATION?                  Stocks
PRIMARY REASONS TO INVEST IN MUTUAL FUNDS5. Diversification: investing in variety of assets; here is a saying that goes,“D...
How safe is it to invest in mutual funds?o Mutual Fund operations are governed by the Investment Company  Act (RA 2629) wh...
PRIMARY REASONS TO INVEST IN MUTUAL FUNDS7. Convenience: The popularity of mutual funds in the Philippines is fastcatching...
Are gains in mutual funds taxable?o NO. Mutual fund “gains” are exempted from  taxes based on the Comprehensive Tax  Refor...
Why invest in MUTUAL FUNDS         and not in INDIVIDUAL STOCKS?o If you’re not a good stock picker.o If you don’t have ti...
COST - AVERAGINGhttp://www.investmentphilippines.com/         Investment Scenario          Buy P100 worth of    mutual fun...
TOP 3 MUTUAL FUNDS IN 20111: FAMI Fixed Income Fund          12.34%     2: EkklesiaBPI Mutual Fund               10.35%   ...
REAL ESTATE
18341954       2007
2 BASIC TYPES OF REAL ESTATE PROJECTSHORIZONTAL DEVELOPMENTS     Socialized Housing     Affordable Housing     Middle ...
2 BASIC TYPES OF REAL ESTATE PROJECTSVERTICAL DEVELOPMENTS   According to Market   According to Height    • Low-rise, M...
As per BIRs Revenue Regulations No. 16-2011dated Oct. 27, 2011, starting January 1, 2012,sales on real properties exempt f...
WHY INVEST IN REAL ESTATE PERSONAL USE   Family residence SAVINGS   Has the potential to offer higher return than bank...
Options for acquiring products/services:1. CLIENT - you don’t join as an IMG member but you get            timely updates ...
Commission Rates                             Kaiser  Mutual Funds        Real EstateMembership Level           (premium) (...
“ You can’t cross the sea merely bystanding and staring at the water.”                   Rabindranath Tagore
Financial Independence isnot a dream. It’s a decision!
END   OFSESSION
Review Card                                                                              DATE: ____|____|____NAME:        ...
FLP Version 8
FLP Version 8
FLP Version 8
FLP Version 8
FLP Version 8
FLP Version 8
FLP Version 8
FLP Version 8
FLP Version 8
FLP Version 8
FLP Version 8
FLP Version 8
FLP Version 8
FLP Version 8
FLP Version 8
FLP Version 8
FLP Version 8
FLP Version 8
FLP Version 8
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FLP Version 8

  1. 1. Common Money Mistakes Impulsive Spending o Shopping when you’re bored/stressed/upset will make you buy things you will rarely use or never use at all o Never checking for cheaper deals “Brand only” Mentality o A lot of items we buy just because of the famous brand labels are not cost-effective
  2. 2. Common Money Mistakes Being Swayed by Sale Strategies o Sale, Discounts, Promotions, & 0% Installments Not Tracking Your Finances o People have no idea on how much was spent since the last pay day or how much debt still needs to be paid Wants Become Needs o Wants = Needs, or worse, Wants > Needs
  3. 3. Common Money Mistakes Credit Mismanagement o Credit Cards, Personal Loans, Mortgages o Borrowing money to buy things that lose value
  4. 4. Common Money Mistakes• Overly conservative in Investing Money  Philippine Daily Inquirer 2008: Only 3% of OFWs invest and less than 35% of OFWs save in “banks” ($15.9B 2008 OFWs’ total remittances)  Consumer Expectation Survey 2010: 5.8% of OFWs invest and 43.7% save in banks ($18.76B 2010 OFWs’ total remittances)  BSP: P3.7 Trillion total “bank deposits” in April 2011• Lack of Financial Education  Citibank Survey June 2011: Filipinos’ Financial IQ = 48.9 %  Citibank Survey June 2011: Filipinos’ average savings in reserve = 9 weeks
  5. 5. 6 Steps to Financial Security1. Increase Cashflow Cashflow is the movement ofmoney into or out of an account.
  6. 6. Cashflow Quadrant • Time• Full Time • Establishment• Employer• Income• Tax (huge) E Employee B Business • System • Money • Tax (low to zero) Financial Literacy  Financial IQ• Full Time • Time• Consumer• Income• Tax (huge) S Self-employed I Investment • Money • More money • Tax (low to zero)
  7. 7. 6 Steps to Financial Security1. Increase CashflowHow do we increase our Cash Inflow? Earn additional income  passive Manage your expenses o Prioritize your needs, lessen your wants
  8. 8. Pay Yourself Firsto Problem: Most people want to save but Expenses INCOME Debts don’t know how. They know only Income – Expenses = Savings how to spend… Change your living formula Poverty Formula  Pay God and yourself first! God Savings Expenses At the beginning of the (20%) INCOME (10%) (70%) month, before you pay anyone else, reserve 10% for tithes, then Income – Tithes – Savings = Expenses save 20% of your income. Prosperity Formula  Discipline yourself to live within your means With this, we can surely fund our “financial plans”
  9. 9. 6 Steps to Financial Security2. Manage Debt • Consolidate Debt • Eliminate Debt
  10. 10. Debt Management Types of debt: • Bad Debt – cash flows out of your pocket • Good Debt – cash flows into your pocket
  11. 11. 6 Steps to Financial Security3. Create Emergency Fund • To avoid debt traps, save 3-6 months of your monthly income for: • Sudden/Frequent Medical Needs of family • Loss of Income Source
  12. 12. 6 Steps to Financial Security4. Ensure Proper Protection • Ensure that your family will not struggle to survive in case of: • Sudden Death • Total/Permanent Disability
  13. 13. Protection:1. Get the maximum benefit * Healthcare * Insurance * Investment link (passive income)2. Go for term insurance * Short payment period
  14. 14. 6 Steps to Financial Security5. Build Long-Term Savings / Investments • Acquire ASSETS (cash inflow) • Mutual Funds • Real Estate • Avoid LIABILITIES (cash outflow) • No return of investment: Consumables, Gadgets, Expensive furnitures
  15. 15. The X-Curve Concept 2 Stages of Financial Life  Food  Education  Food STAGE 1  Shelter  Healthcare  Clothing  Debts/Loans STAGE 2  Shelter  Healthcare  Clothing  Debts/Loans  Retirement Active Income Passive IncomeYOU WORK hard for the money MONEY WORKS for you Protection YOUNGER Investment OLDER What if… I die to soon? What if… I live too long? Who will take care of my family? Who will take care of me?
  16. 16. The 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 = 6Money doubles every 18 years Money doubles every 9 years Money doubles every 6 yearsAge 4% Age 8% Age 12% 29 Php 100,000 29 Php 100,000 29 Php 100,000 47 Php 200,000 38 Php 200,000 35 Php 200,000 65 Php 400,000 47 Php 400,000 41 Php 400,000 56 Php 800,000 47 Php 800,000 65 Php 1,600,000 53 Php 1,600,000 59 Php 3,200,000 4X 65 Php 6,400,000 16X
  17. 17. oINFLATION is a rise in the general level of prices of goods and services in an economy. When the general price level rises, each unit of currency buys fewer goods and services. Inflation reflects an erosion in the purchasing power of money. http://en.wikipedia.org/wiki/Inflation
  18. 18. o Projection of a P10,000 expense
  19. 19. INFLATION RATE, PHILIPPINES 2005 – 2011 Month 2011 2010 2009 2008 2007 2006 2005Average 4.8 3.8 3.2 9.3 2.8 6.2 7.6 Is an Investment Interest of 5% good enough? No! As a 20% tax will still be deducted on earned interest. http://www.nscb.gov.ph/stats/http://www.nscb.gov.ph/secstat/d_price.asp [National Statistical Coordination Board]
  20. 20. Best Interest Rates on a 1 Year / 12 month Time Deposit in the Philippines as of Jun 29, 2012 Deposit Account Details AccountTOP #1 Interest Rate is determined by the amount deposited in Peso over a 12 month/1 year period. 10,000 - 99,999.99 2.000% 100,000 -299,999.99 2.125% 300,000 - 499,999.99 2.375% 500,000 - 999,999.99 2.625% 1 M - 4.99 M 3.250% 5 M - 9.99 M 3.375% 10 M and over 3.125%
  21. 21. Best Interest Rates on a 1 Year / 12 month Time Deposit in the Philippines as of Jun 29, 2012 Deposit Account Details AccountTOP #2 Interest Rate is determined by the amount deposited in Peso over a 12 month/1 year period. 50,000.00-299,999.99 2.65% 300,000.00-999,999.99 2.75% 1 M - 1,999,999.99 2.85% 2 M - 2,999,999.99 2.95% 3 M - 4,999,999.99 3.05% 5 M and over 3.00%
  22. 22. 10 YRS @ 4%P 132,520 P 1,787,211.29
  23. 23. 6 Steps to Financial Security6. Preserve Your Estate • Ensure that everything you’ve worked for in your entire life (assets / investments) will be turned over only to your beneficiaries • Limit probate cost • Every breadwinner/provider should have a will • Spouse should be co-owners of Assets / Investments
  24. 24. Building a Solid Financial Foundation INVESTMENT EMERGENCY FUND DEBT MANAGEMENT PROTECTION: INSURANCE HEALTHCARE INCREASE CASH FLOW« BUILD IT RIGHT. BUILD IT STRONG»
  25. 25. « BUILD IT RIGHT. BUILD IT STRONG»
  26. 26. Is an independent Years in USA/Canadawhose More than 25 marketing company &associates, through its affiliated companies, offer 15 Years in the Philippines a broad array of financial services and products.
  27. 27. OUR MISSION Make a Difference for Families At IMG, we can help make a differencefor families by showing them a new path towards achieving their financial goals. No Family Left Behind
  28. 28. OUR VISION To Build and Provide the Best Business Opportunity in the WorldOur plan is to revolutionize the financial services industry by bringing a fresh, new approach to empower the world on how money works.Help people who desire to help themselves. Bring life-changing financial concepts and solutions to middle income individualsand families who are overlooked by the financial services industry.
  29. 29. OUR CRUSADEChange people from: ENTREPRENEURSSPENDERS SAVERS INVESTORS Deliver the world’s financial wake-up call
  30. 30. Joen has a mission: towhat he’s talking about."theis a registered financial certainly knows change the adage that He rich get richer and the poor get poorer." He believes12 years of financial management planner and has more than that "the average person, even the experience. He sits as the president and chairmangiven the right poor, has an equal chance to become wealthy if of the board of information." International Marketing Group (IMG)
  31. 31. IMG Offers Total Financial Solution• Financial Literacy  Learn the fundamentals of Protection, Debt Management, & Investments  Learn to plan your own Financial Strategy, to achieve your financial goals• Business Solution  Learn the Financial Products & Services Industry
  32. 32. IMG Offers Total Financial Solution• Direct Access to Financial Services Companies  Be informed of the latest updates  Remove the middle man  Earn from your own needs• Investment and Business Opportunity  Towards PASSIVE INCOME for retirement
  33. 33. What IMG Can Provide1. ONE STOP SHOP of all Financial Services2. By-Pass The Middle Man (earn the commission yourself)3. Create Your Multiple Passive Income Stream4. Have Your Own Business Franchise5. Earn Interest Income from Investments (invest correctly and safely with high returns)6. Earn By Helping Others to Save and Invest
  34. 34. What IMG Can Provide1. ONE STOP SHOP of Financial Services2. By-Pass the Middle Man (earn the commission yourself)3. Create Your Multiple Passive Income Stream4. Have Your Own Business Franchise5. Earn Interest Income from Investments (invest correctly and safely with high returns)6. Earn By Helping Others to Save and Invest
  35. 35. YOUYOU (BROKER) BROKERINVESTMENT
  36. 36. What IMG Can Provide1. ONE STOP SHOP of Financial Services2. By-Pass the Middle Man (earn the commission yourself)3. Create Your Multiple Passive Income Stream4. Have Your Own Business Franchise5. Earn Interest Income from Investments (invest correctly and safely with high returns)6. Earn By Helping Others to Save and Invest
  37. 37. Proverbs 6: This chapter advises release from foolishindebtedness (vv:1–5), admonishes avoiding laziness(vv:6–11), warns of the danger of poverty (vv:9–11)6 Take a lesson from the ants... Learn from their ways and become wise!8 they labor hard all summer, gathering food for the winter. Proverbs 6:6,8
  38. 38. “ To be born rich or poor is not achoice, but to become rich or poor,thats a choice that GOD leaves up tous.” Bo Sanchez
  39. 39. Most people are indebted.Live simply.This will help us avoid debt trapsBefore we build our wealth--We need protection for assets and lifeGet out of debts before you investInvest safely and correctlyTransfer inheritance to our children
  40. 40. Always inform your relatives of your insurance.
  41. 41. DO YOU KNOW THAT:1. Near 90% of Filipinos are not saving for long-term medicalneeds2. Medical Inflation is 3 to 4 times the economic inflation3. About 45% of total Filipinos are vulnerable to poverty ifconfronted by surprise of health problems, death and naturaldisasters4. Philippine Life Insurance Association: Pinoys spend more oncigarettes than Life Insurance
  42. 42. INVESTMENT EMERGENCY FUND DEBT MANAGEMENT PROTECTION: INSURANCE HEALTHCARE INCREASE CASH FLOWhttp://www.kaiserhealthgroup.com/
  43. 43. Major Advantages of Kaiser Pre-existing illness: • excluded from healthcare claims during payment period only • excluded from insurance claim for the first 2 years only Plus Rider option – 2x insurance amount without 2x premium Healthcare coverage & investment is transferrable
  44. 44. http://www.kaiserhealthgroup.com/
  45. 45. MUTUAL FUNDS
  46. 46. Mutual Funds vs Bank Deposits• Bank Deposits  Your money is actually invested in financial instruments with higher return  Interest earned is based on account agreement, regardless of how much the bank earns on your money  You only own what was agreed to be given to you• Mutual Funds  Ownership: You’re a co-owner of the company  Number of shares is more important than the cost per share  Long-term investment: Higher gain
  47. 47. TYPES OF MUTUAL FUNDS STOCK/EQUITY FUNDP8+$1 BALANCED FUNDP9+$4BOND/FIXED-INCOMEP11+$8+€2http://www.pifa.com.ph/advantages.html MONEY MARKET FUNDP5
  48. 48. TYPES OF MUTUAL FUNDS TYPE COMPOSITION OBJECTIVE AVERAGE RETURN* MONEY MARKET SHORT-TERM FIXED- STABILITY + MINIMAL FUND INCOME INSTRUMENTS GROWTH 2%BOND/FIXED-INCOME FIXED-INCOME STABILITY + FUND INSTRUMENTS REASONABLE GROWTH 6% MEDIUM TO LONG- STOCKS & FIXED- BALANCED FUND INCOME INSTRUMENTS TERM FOR MODERATE INVESTORS 12% LONG-TERM CAPITALSTOCK/EQUITY FUND SHARES OF STOCKS GROWTH 18%
  49. 49. PRIMARY REASONS TO INVEST IN MUTUAL FUNDS1. Professional management: One of the main attractions of mutual funds isthat it affords its investors the services of full-time professional managerswhose job is to analyze the various investment products available in themarket.2. Low capital requirement: Direct investments usually require substantialcapital. In contrast, most mutual funds in the Philippines require a minimuminitial investment amount of only Php5,000.00 and minimum additionalinvestments of Php1,000.00.http://www.pifa.com.ph/advantages.html
  50. 50. PRIMARY REASONS TO INVEST IN MUTUAL FUNDS3. Potential Higher Returns: Very few individual investors can match theexperience and skill of full-time professional fund managers who can selectthose that would give the best possible returns.4. Liquidity: Liquidity is the ability to readily convert investments intocash. While the law provides that redemption proceeds must be given withinseven (7) banking days from the date of the redemption request, most fundsare able to pay the redemption proceeds within a day.http://www.pifa.com.ph/advantages.html
  51. 51. PRIMARY REASONS TO INVEST IN MUTUAL FUNDS5. Diversification: investing in variety of assets; here is a saying thatgoes, “Do not put all your eggs in one basket.” When people invest in amutual fund, they achieve instant diversification.http://www.pifa.com.ph/advantages.html
  52. 52. WHAT IS DIVERSIFICATION? Stocks
  53. 53. PRIMARY REASONS TO INVEST IN MUTUAL FUNDS5. Diversification: investing in variety of assets; here is a saying that goes,“Do not put all your eggs in one basket.” When people invest in a mutualfund, they achieve instant diversification.6. Safety: Mutual funds are highly regulated by the Securities and ExchangeCommission under the Investment Company Act and its implementing rules.http://www.pifa.com.ph/advantages.html
  54. 54. How safe is it to invest in mutual funds?o Mutual Fund operations are governed by the Investment Company Act (RA 2629) whose implementing rules and regulations specify particular limits and constraints in the investment activities of all mutual funds. The Securities and Exchange Commission (SEC) sees to it that all mutual funds comply with these statutory regulations. Mutual fund companies are regularly audited by an independent auditor. The assets of the mutual fund are held by a third-party custodian bank.
  55. 55. PRIMARY REASONS TO INVEST IN MUTUAL FUNDS7. Convenience: The popularity of mutual funds in the Philippines is fastcatching up. Investment application can now do online and additionalinvestment/s can now deposit thru banks’ online banking fund transferfacilities.http://www.pifa.com.ph/advantages.html
  56. 56. Are gains in mutual funds taxable?o NO. Mutual fund “gains” are exempted from taxes based on the Comprehensive Tax Reform Program (CTRP), Section 32 (B) (7) (h). This was done to promote long-term savings in the country.
  57. 57. Why invest in MUTUAL FUNDS and not in INDIVIDUAL STOCKS?o If you’re not a good stock picker.o If you don’t have time to follow and track your investments actively.o If you can potentially become an emotional investor if you handle your investments too actively.
  58. 58. COST - AVERAGINGhttp://www.investmentphilippines.com/ Investment Scenario Buy P100 worth of mutual fund shares for 6 months
  59. 59. TOP 3 MUTUAL FUNDS IN 20111: FAMI Fixed Income Fund 12.34% 2: EkklesiaBPI Mutual Fund 10.35% 3: Philequity Peso Bond Fund 9.02%
  60. 60. REAL ESTATE
  61. 61. 18341954 2007
  62. 62. 2 BASIC TYPES OF REAL ESTATE PROJECTSHORIZONTAL DEVELOPMENTS  Socialized Housing  Affordable Housing  Middle / Upper Middle  High End
  63. 63. 2 BASIC TYPES OF REAL ESTATE PROJECTSVERTICAL DEVELOPMENTS  According to Market  According to Height • Low-rise, Mid-rise, High-rise
  64. 64. As per BIRs Revenue Regulations No. 16-2011dated Oct. 27, 2011, starting January 1, 2012,sales on real properties exempt from VAT:For lots below P 1,919,500 (prev P1.5M) and onHouse & Lot below P3,199,200 (prev 2.5M). LOCATION
  65. 65. WHY INVEST IN REAL ESTATE PERSONAL USE  Family residence SAVINGS  Has the potential to offer higher return than bank BUSINESS  Place of business  Can be resold at a higher price  Can be used as a collateral for loan  Can generate rental income
  66. 66. Options for acquiring products/services:1. CLIENT - you don’t join as an IMG member but you get timely updates from the companies (i.e. pricing, offerings, regulations)2. AGENT - you join as an IMG member and reduce the cost of products/services using the commission - earn overrides
  67. 67. Commission Rates Kaiser Mutual Funds Real EstateMembership Level (premium) (Sales Load) (i.e. Vista Residences)Associate 20% 20% 2.25%Field Leader 30% 30% 2.35%Asst. Marketing Director 40% 40% 2.45%Marketing Director 50% 50% 2.75%
  68. 68. “ You can’t cross the sea merely bystanding and staring at the water.” Rabindranath Tagore
  69. 69. Financial Independence isnot a dream. It’s a decision!
  70. 70. END OFSESSION
  71. 71. Review Card DATE: ____|____|____NAME: SPOUSE:ADDRESS: WORK PHONE:EMAIL: CELLPHONE: I AM INTERESTED IN…(PLEASE CHECK ONE) STARTING A BUSINESS/CAREER IN IMG LEARNING MORE ABOUT FINANCIAL SOLUTION FOR MY FAMILY 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____

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