Online Discussion - " Who We Are, What We Do and What We Provide "

IMG Official site is www.img-corp.com

Almost all information found on this blog were taken from the official site. I just compiled everything to make it easier for the readers. But if you want to verify everything just visit the site.

Additional information that could answer some of your questions and doubts with our company:

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source: http://www.img-corp.com/view_article.php?id=10

• Manila Bulletin - February 8, 2009 (Sunday)

Financial education for OFWs urged

CEBU CITY - Financial education is deemed necessary for overseas Filipino workers (OFWs) nowadays in the wake of the looming global economic meltdown, officials from a marketing group said. Jose Enrique de las Peñas, Interna-tional Marketing Group (IMG) president, said he believes that financial education, especially among OFWs that are lucky to still have jobs abroad, helps them offset the fears brought about by the ongoing financial crisis.

"What OFWs and Filipinos, in general, need right now is financial education. They have to increase their knowledge on the right way of savings and on how to take care of their finances and reduce the risk of losing what they have," he said. De las Peñas underscored the huge significance of financial education for Filipinos, "where everyone seems to be in fear of the negative prospects of the future."

IMG, a marketing company dedi-cated to serving the financial needs of individuals, has close to 20,000 OFW members nationwide who have availed themselves of their free financial educa-tion seminars. Majority of these OFWs are working in Taiwan, Hong Kong, Middle East and Europe. IMG Chief Executive Officer Noel Arandilla said the common miscon-ception of financial education is that it should only be limited to the elite or the well-educated.

"Everyone has their equal rights to be wealthy but the masses are afraid to go out of their comfort zones and be edu-cated on how to increase their finances. The lack of education is keeping some of us unequipped to the possible effects of the crisis," Arandilla said. IMG seminars, facilitated by their own financial advisers, are now starting to at-tract people from different professions including doctors, engineers, teachers, factory and office workers, among oth-ers, Arandilla noted.

"A lot of businesses are already facing fears and signs that their companies might not survive the crisis. They ask our help to educate them and help them build their financial foundation," said De Las Peñas, adding a significant interest among cor-porations seeking their advice. He said that at the height of today's financial turmoil, many companies from industries such as information technolo-gy, electronics and education have sought their financial guidance as these sectors have been hit hard by the crisis.

"Fear of the uncertainty of the econ-omy could be battled through financial education. With this, you can take posi-tive, proactive and informative actions and will not be in a panic mode wherein you cannot do right decisions," De las Peñas said.

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source:http://www.img-corp.com/view_article.php?id=2

• Kerygma - June 2008

Save The Right Way, Not The Wrong Way

We met at a most unlikely place – inside an airplane. I was bumped up to business class and he was seated right beside me. Since then, Jose Enrique (Joen) de las Peñas became my mentor in investing.

Joen has a mission: to change the adage that "the rich get richer and the poor get poorer." He believes that "the average person, even the poor, has an equal chance to become wealthy if given the right information."

Joen certainly knows what he's talking about. He is a registered financial planner and has more than 12 years of financial management experience. He sits as the president and chairman of the board of International Marketing Group (IMG) Insurance Brokers Corporation.

Joen is certainly one guy I learn so much from every time I talk to him.

Bo: I still remember your dialogue. You said, "I like your book." I think you read Simplify and Create Abundance. And then you said, "Can I share some more to you?" In other words, you were trying to say, "You still lack some knowledge." But I truly appreciate all the financial knowledge that you have shared with me all these years.

Joen: That's true. I read a lot of your books. It's always been my dream to meet you so I could tell you a bit more about financial services, about the mission that we do. I know that you can help spread what we know, so it was a good chance to let you know all the things that we know.

Bo: Can you share with us this mission, this crusade in your heart that's been driving you for the past 10 years?

Joen: It's about the statement "the rich get richer and the poor get poorer." Our mission is to change that. The rich get richer, it's good. But the average person also has the right to become wealthy and I know that with the right information, he will have the same opportunity as the wealthy people.

Bo: That's wonderful. So the rich, yeah, they can get richer, so long as they share their riches. But you're saying now that the average person can become rich as well.

Joen: Yes, if the average person understands what the wealthy people are doing, if he understands the right financial vehicles, then there is no reason to be poor. Sadly, the average person focuses on different things while the wealthy people focus on how to become wealthy and successful.

Bo: Can you give some specifics?

Joen: If I ask the average person, "What is the rate of return on your savings?" most of the time he does not know. But ask him about the rate of return on his debt, he'd know. It's always at the back of his mind. But the wealthy people – they know the rate of return on their savings, when it will double, how much their money will be in so-and-so years.

Bo: You know, just yesterday I went to my bank and they gave me this leaflet on new interest rate. I was so shocked – it was 0.75% for a year! I thought it was at least 1%.

Joen: And that's still gross. You still have to deduct 20% withholding tax. What a lot of people do not understand is this: that the bank is a good vehicle for business; but for your own personal savings, there are lots of other financial vehicles that you can use.

Most people think that by saving they're already doing something right. But the fact is, you could save the right way and save the wrong way. And saving the wrong way, at the end of the day, will not change anything.

Bo: That's a very important point. You know, Joen, my role is to give people the capacity to have a vision. I give them the capacity to dream. I remove their limiting beliefs – that I can't do it, that I'm poor. So you're absolutely right. People don't have a vision of doubling their money.

Joen: A lot of people are like that – they do not understand that with a meager rate of return on their savings, they will never have a chance to become wealthy. But I can show you a way that, even if you save P20,000 for six years with a total of P120,000, over the years as it compounds, it can be P9.5 million.

Bo: Wow. So you're saying, Joen, that if the average Filipino can save P1000 or P2000 a month, they can become a millionaire over time? But they need to know how to save, where to save.

Joen: Yes and at the same time they should have a vision where their money is going and how exactly their money can grow. All of us work hard for the money. But eventually if we know how to handle money, money can actually work for us. We can be the boss of our money and not the other way around.

Bo: OK, you're saying, don't put it in a bank, use the bank for business as loans, maybe business loans. But tell us, what vehicles are you talking about that can make one a millionaire over time?

Joen: One of the widely used financial vehicles right now, even is the US and Europe, is the mutual fund. In a mutual fund, your small amount of money becomes part of a very big fund. If that fund earns 12% or higher, whatever savings you have there will have an equal rate of return as the whole fund. Many people think that the mutual fund is for the wealthy. But in fact it was created for the average persons to earn equally with the wealthy people.

I look at a lot of Filipinos and they're very focused on how to make money but that's only 50% of the equation. The other 50% is learning how to let their money go back to them much faster.

Bo: That's true. Is it safe to invest in a mutual fund?

Joen: A mutual fund is regulated by the government and managed by a professional person to let the money grow. It's one of the safest vehicles to let your money grow and to have the best rate of return. They have what you call asset allocation. The fund is spread correctly and all that the fund manager does is to think how to let the fund grow. And because of regulation, it's a very safe vehicle.

Bo: I'm sure we could go on and talking about this wonderful topic. One last thing before we end. You said that in the US, 20% of the people there put their long-term savings in the bank, but 70 or 80% put their money in mutual funds already. In the Philippines, it's the opposite. Not even 1% of our people invest their money in mutual funds. And so you have a long way to go.

Joen: Yes, there are a lot of things to be done. But I believed that with the right information we can actually become like the US and there will be more money in mutual funds compared to the regular savings in the bank.

LICENSED TO OPERATE AS A BROKERAGE COMPANY UNDER THE PHILIPPINE GOVERNMENT (SEC):

OUR PRESIDENT IS A CERTIFIED FINANCIAL PLANNER UNDER THE PHILIPPINE GOVERNMENT AS WELL (RFP PHILIPPINES):

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ABOUT INTERNATIONAL MARKETING GROUP:

International Marketing Group is one of the few companies of its kind in the industry today - a marketing company that is dedicated to serving the financial needs of individuals and families from all walks of life.

International Marketing Group's independent associates do not just work with clients who have large amounts of discretionary income - instead they work with everyday people helping them make critical financial decisions that help move them from where they are to where they want to be.

International Marketing Group is one of the biggest and fastest growing financial distribution companies in the US, Canada, Taiwan, Hongkong, Philippines and going worldwide. IMG has established agreements with many of the world’s leading financial services companies to provide us a broad array of financial products & services. IMG will help you comply accreditation and licensing requirement of all its Product Provider Companies. Multiple companies (Multiple products) will help you get the best product...Best service ... Highest Rate Of Return.... Diversify investments, etc.

OUR MISSION:

To Make Your Family's Dream into Reality. We are committed in helping families achieve their dreams, through our business opportunity, as well as our products and concepts.

OUR VISION:

To Lead the Financial Revolution International Marketing Group is positioned to become the no.1 marketing company to deliver investment products & concepts to the average people on a grand scale.

OUR SYSTEM:

The vehicle allowing us to achieve our vision and our mission. It has effective ways to build a business with its duplicatable, turnkey marketing system. It provides a great opportunity for individuals to become entrepreneurs and build their teams.

Each IMG associate is an independent business owner that operates in the local community. So with International Marketing Group, you're never a number, but a valued neighbor your local associate is eager to help.

While many people have experienced successful careers within International Marketing Group, (IMG) each associate's success level represents individual member experiences. As each individual differs, so will his/her specific results. Work ethic patterns, activity levels and dedication all play a significant role in determining the outcome that one may achieve and in his/her ability to control his/her destiny on an ongoing basis. Any current member's individual results are not representative of what all participants achieve when following the IMG system.

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NOTE: ALL ILLUSTRATIONS ARE JUST OVERVIEWS BECAUSE IT WOULD TAKE US DAYS IF I WERE TO INCLUDE EVERYTHING HERE and ALSO TO ENCOURAGE THOSE WHO ARE INTERESTED TO SCHEDULE AN APPOINTMENT FOR A BETTER DISCUSSION.

THESE ARE THE THINGS YOU CAN LEARN FROM IMG AND ALL METHODS ARE DONE IN ACCORDANCE TO THE LAW. (LEGITIMATE WAYS, LEGITIMATE ADVISES and LEGITIMATE PROGRAMS):

ANOTHER LESSON THAT YOU CAN LEARN IS THE X-CURVE:

Legends:

Blue Line - Wealth Line

Red Line - Responsibility Line

The illustration is showing us that as we grow old our responsibilities should be lesser and our savings should be higher. That means being able to retire comfortably or luxuriously depending on how we build our financial foundation during our younger days.

But as we all know that is not what is happening to most of us Filipinos. Do you agree or not?

During our younger days we work hard for money in order for us to be able to take care of our family or to those whom we love and important to our lives. That is our responsibility to them and to ourselves.

In reality by the time we enter the stage of productivity (be able to provide for ourselves) our default RESPONSIBILITY is already set to HIGH.

WHY?

Simply because our income is temporary but our needs are permanent. Agree or not?

WHEN CAN WE SAY OUR INCOME IS TEMPORARY?

There are a lot of factors but I will be sharing to you the major ones;

1. What if we do not like our job and we decide to leave and look for a better one.

2. What if the company do not like how we perform our job and kicks our asses out?

3. What if we get sick too long?

These are what I consider major factors why I agree that our INCOME is just TEMPORARY.

Try to imagine 3 months no job, no source of income and drained savings. Can you say that for 3 months you are not going to eat and feed your family? NO right?

No matter what we do our NEEDS will always be permanent and our INCOME will always be temporary even if we have our own business.

I know even those who have their own business can relate to this especially if there are sudden problems or emergencies that is going to happen.

AND THIS IS WHERE IMG TEACHINGS CAN BE APPLIED!

IMG is going to teach those people who are not familiar or do not know how powerful INTEREST RATES can be. With this additional knowledge, you can eventually start increasing your savings and lowering your responsibilities as we grow old. Then we can go to the stage wherein MONEY is working for us and not the other way around.

THINGS TO REMEMBER:

There are two types of problems that most people will encounter:

1. Shortage of our budget. Normally as a Filipino tradition if we are short on our budget we rely on debts. Loans, Lending, Credits and etc etc. (ALWAYS REMEMBER THE VALUE OF INTEREST RATES, IF THE INTEREST RATE IS AGAINST YOU THEN YOU ARE MOST LIKELY END UP BROKE OR STRUGGLING TO MAINTAIN YOUR NEEDS.)

2. Over budget - People without proper financial education having a lot of money can also be a problem to them. I can very much relate to this since I too wasted a lot of money to the point I started back to zero. Simply because I lack financial education. A single information could give us a very big difference on our desired results and this is true to most of the time.

NOW THAT WE WERE ABLE TO TALK ABOUT INTEREST RATES, IT'S TIME FOR US TO KNOW THE REASON WHY THOSE WHO ARE RICH ARE GETTING RICHER AS DAYS, MONTHS OR YEARS GOES BY.

It's not because they have higher educational attainment than most of us. It's because they know how to give importance to INTEREST RATES.

And here is the formula that Einstein was able to formulate/discover:

As what can you see on the illustration, 3 different person, same age, same amount of money but different on interest rates. By just simply looking at the numbers you could right away identify the difference between the 3 choices considering they have the same age and money. 

4%, 8% and 12% <--- each of them has only 4% gap but the long-term result is even more than 4% difference. That's why the rich are getting richer because of this knowledge. And that is why there will be no big time banks will ever close because of this discovery by Einstein.

Here in IMG we are going to be your guide on where you can get those 8-12% annual increase on your investments the safest and easiest way of increasing our WEALTH LINE OR MONEY LINE.

I HOPE THAT YOU ARE STILL READING MY BLOG BECAUSE WE ARE ALMOST DONE!

AFTER ADDING THESE INFORMATION TO YOUR BRAINS FOR SURE OR IF NOT ATLEAST IT CHANGED YOUR WAY OF UNDERSTANDING ON HOW IMPORTANT IT IS TO BE FINANCIALLY LITERATE.

NOW I WILL BE SHOWING YOU HOW YOUR FINANCIAL FOUNDATION SHOULD LOOK LIKE.

I think the word SOLID and FOUNDATION is not new to you guys right? That means in order for us to have a SOLID FINANCIAL FOUNDATION we must know where to start, what we should focus on first. Just like a building if your BASE or STARTING point is weak the entire building will fall.

You must focus on your health first, which means having a long-term health care plan together with your company's short-term health care would be your best combination in securing your future. 

There's a saying with us Filipinos that goes " KATAWAN LANG ANG PUHONAN NATING MAHIHIRAP (our health is the only investment that poor people have) which is not true because even the richest person once their health goes down and they are not well funded or prepared everything they worked on will fall together with them. That is why foreign countries have a lot of health care programs because they know how important it is to have a health care program in times they get sick. Something that most Filipinos ignore. Saving 1 million for 10 years once you get sick your 1 million will only last atleast a week. Again I can attest to this during the time my mom got sick with leukemia.

The next in line will be protection of life a.k.a life insurance. Most Filipinos are allergic to the word INSURANCE. I don't know why and I don't understand that if we have a house worth 5 million we immediately get a fire insurance just incase something will happen to the house and when we have a car worth 2 million we right away pay for the car's insurance but when it comes to our own life its either we don't purchase for ourselves or if there is we only spend a little for it. How much do you value your life? Is it lesser than a 5 million or a 2 million car? The answer will be yours to keep.

Third on the line is to eliminate or minimize debt if ever situation requires you to do so.

Fourth is prepare an emergency fund. The real reason why there are ATM machines now is for you to be able to produce money in case of emergency and the amount that your ATM must have is just 3-6 months worth savings. The amount would depend on how much you can spare within 3-6months.

After you are able to build the rest of the requirements in having a solid financial foundation, the last part wherein all your remaining income or should I say extra cash must be placed here your INVESTMENTS. If you can still remember the RULE of 72, there are legit and big companies in the Philippines that can provide you 8-12% annual increase safe and secure!

And that's through:

And that's one of the many benefits you can get if you are going to be a Financial Broker under IMG. You can learn a lot for free. You just need to go to your Marketing Directors, Trainers, even our C.E.Os are willing to sit down with you 1 on 1 and answer all your question if possible. 

Mind you all known Financial Advisers in the Philippines cost around 1k - 10k per session or even per hour depending on their preferences. Bo Sanchez is one of IMGs SMDs.

THE LAST PART THAT I WILL BE SHARING TO YOU GUYS IS WHAT WE OFFER TO OUR CLIENTS IF EVER THEY DO NOT HAVE THE LUXURY OF TIME TO ATTEND TRAININGS OR TO BE A FINANCIAL BROKER DUE TO PERSONAL BUSINESSES.

OR SHOULD I SAY OUR PARTNERS IN THIS BUSINESS. PLEASE HAVE A CAREFUL LOOK AT THE NAMES AND CHECK IF THEY ARE FAMILIAR TO YOU OR ARE THEY BIG AND KNOWN ONES.

NOW AFTER LOOKING AT OUR PARTNERS, TRY TO ASK YOURSELVES IF IMG IS JUST A FLY-BY NIGHT COMPANY DO YOU THINK THESE NAMES WILL WASTE THEIR TIME ON A UNSTABLE COMPANY?

IMG IS ALREADY 15 YEARS IN THE PHILIPPINES AND WE HAVE OTHER BRANCHES ON OTHER COUNTRIES AS WELL.

THIS IS THE FARTHEST I CAN SHARE TO YOU ABOUT OUR COMPANY. IT'S NOW UP TO YOU IF YOU ARE GOING TO MISS YOUR OPPORTUNITY TO HAVE A SECURED FINANCIAL STATUS. 

IT'S NOT ME WHO IS GOING TO LOSE IF YOU ARE NOT GOING TO TAKE ADVANTAGE OF THIS. 

I AM SHARING THIS TO YOU BECAUSE OF THE CHANGES THAT HAPPENED TO ME AFTER I TOOK THE OPPORTUNITY.

PLEASE STAY TUNED FOR THE NEXT PART AND FOR UPDATES REGARDING MY ACHIEVEMENTS SINCE I BECAME PART OF THE COMPANY. AS A FILIPINO HABIT, WE WANT TO SEE RESULTS FIRST BEFORE DOING ANYTHING.

JUST PUT INTO YOUR MIND, THE TIME THAT YOU WASTED BY JUST WATCHING FOR MY RESULTS IS ALREADY WASTED INSTEAD FOR YOU TO LEARN ALONG WITH ME.

GOD BLESS and HOPE TO HEAR FROM YOU GUYS!

To those who are interested feel free to email me at kentrina6@gmail.com or text me at 09232079721 and indicate that it's about IMG and I can set an appointment to those who are in Cebu and Ormoc.

PLEASE DO CORRECT ME IF THERE ARE SPELLING AND GRAMMATICAL ERRORS :)