Invest To Bless!

What is the Ultimate Purpose of Having Wealth?
Why Should We Invest?

Being Wealthy and Investing Correctly Starts With Right Goals. With the right Intentions. For us in Truly Rich Makers Team in IMG we abide and is guided by the Prayer taught by Bro Bo Sanchez.

Investing is different from EMERGENCY FUNDS. Do not get mixed up with these two. Emergency Funds is for the SHORT TERM Needs, while INVESTING is normally for LONG TERM NEEDS. We are very fortunate that we learned this early on before the PANDEMIC COVID 19 Struck us all! We are prepared with our EMERGENCY FUNDS. We don't need to rely on dole outs and assistance from other people.

In Investing, we definitely need  to know our WHY so we would know where to PUT our Money. There is an appropriate o "tamang sasakyan sa gusto mong patunguhan". For example, our reason to invest is for Retirement Funds, then we need to check how long before we retire and how much we need to achieve. If we are looking at more than 10 years of investing, then we can choose a higher risk type of investment.

It is not Enough To Save, We Need to Invest Correctly! Some people think that when they retire, the retirement money they will receive will be enough to support them in their remaining years beyond retirement. This is definitely a disaster in the making. You see, no matter how much your retirement pay would be, it would be just equal to the number of years you serve  times your monthly income. So if you worked for 30 years, you will receive a retirement fund of more or less 30 months worth of salary. Which is 2 1/2 years if that money is what you just have and it is not invested properly. I hope you get that. 

I have talk to many who have retired and after about 5 years and some less than 2 years "wala ng pera. Naubos na sa pag bayad sa utang at pambili ng gamot!" Their SSS Pension is not even enough to pay for their daily needs. You know, I worked for 30 years and had a salary of about P155K as an Executive. But when I finally got my SS Pension, I am surprised to get only about 9850 Pesos! Buti na lang talaga, I learned early on how to invest correctly.

And the Best Goal To Invest, is To Bless! Our end in mind is to leave the world as a blessing and even before we rest in peace, the goal is to "Create Wealth that will Bless the World" as expressed in the above True Millionaire's Prayer of Bro Bo Sanchez. We will be able to bless ourselves, our family and the people around us because we have the means, the money, the wealth to do it because we did the right investing.

Because at the end of it "The Ultimate Purpose Of Money is LOVE!"

God bless us all!

Benj and Fely Santiago

Truly Rich Makers Founder

Debt Destroyers Author

Senior Executive Vice Chairman IMG

PS: If you want to have information and know-how in the right way to INVEST Click This: TEACH ME HOW for our FREE ON LINE WEBINAR.

Investing Made Easy with IMG

Most People Really Don’t  How To

Invest Correctly…

But

I Can Teach You

How To Invest And Start It Up

In Less Than An Hour

with Just

5,500 PHP Each!

Click this to :
Learn How To Invest Correctly

PLUS: How I Increased My Cash Flow and 
Finally BROKE The Debt Chain 
That Tied Us For Decades!

I know how it is to be really working hard for the money. And it pains me to see people like you lose your opportunity to make your money work for you. It pains me to see a lot of people struggle during Emergency Situations, and Pandemic called COVID 19. You may be working for Multi-National companies as Managers, an OFW or a Seafarer. And you earn very well but that maybe is all you know! You earn from your jobs but don’t know how to really make your money work for you. You probably do not know how to invest correctly. Or, you may be investing without a coach or a guide, improperly, and not solidly founded on a purpose and plan. Thus, when emergency happens, you struggle financially. You may evn utter the words: "Ang hirap maging mahirap". 

I want you to always be prepared for any adversity. We have the solutions. I want you to achieve the highest returns for your investments. I know it is your goal to be able to increase your money line so that you can have money working for you in your retirement years... It is also our PURPOSE … our MISSION to HELP you invest successfully...

You may have a lot of FEAR about investing because of your lack of knowledge or you may have been a victim of a scam that makes you wary of anything to do with investing. Or maybe, you simply do not know how to start and do not have anyone to guide you. I know the feeling because I had been in that situation. Fears can actually make you do more mistakes or immobilize you and make you a loser.

Based on a survey, 85% of Filipinos who put their money in the stocks market incorrectly lose their money..

I Want You To Invest Successfully!

Many of my friends who retired lost their retirement money in 3 years. Sue, went into failed business and investments for she did not learn how to invest properly and did not have a chance to get coached how to do it. She lost more than P2 Million of her retirement money in a franchised restaurant business. Sue is an Engineer and she does not know anything about the restaurant business. 

It's a pity that so many ordinary folks, retirees, government workers were duped by an investment scam called Aman Futures.

I had also been scammed for 250,000Php in a dubious investment scheme in “cell cards” in 1998.

What Can I Offer You? …

You do not have to go through Financial Crisis during emergencies such as the Pandemic COVID 19.  You do not have to go through the same painful experience I had and my friends had. I had learned to fail in the past and I’m using those past experiences as a lesson to show you how I started up correct  investing at age 51 and achieve financial freedom in 4 ½ Years! I will guide you how to Invest Successfully like we did on Three Levels of Investments that will give you Total Peace of Mind. We will guide you and help you execute your safe and secured investing within 24 Hours. Will provide you with a continuing guidance in investing. So that in the face of emergencies that we are experiencing, we are financially prepared.

Let Me Tell You My Story…

Fely and I are both Engineers by profession. Fely an Industrial Engineer and I am a Licensed Mechanical Engineer. We both worked for Multi-national companies as Managers. And we earn very well but that is all we know! We earned from our jobs but did not know how to really make our income earn for us. In simple terms, we did not know how to invest correctly. Yes, Fely and I tried investing in real properties, in local and US Stocks but it was all unguided, improper, and not solidly founded on a purpose and plan. What we thought as investing turned out to be accumulating liabilities. Instead of putting money into our pocket, our investments took more money from our pocket and further strained our cash flow. 

Fely and I lost a lot of opportunity due to our lack of know-how in investing in the tune of more than 100M PHP! Yes, you read it right…we lost a 100 Million Peso Opportunity in investing. Because we did not give investing any serious focus. Fely and I never sought help, nor study investing seriously. We were so comfortable earning money from employment. 

Investing requires literacy. IMG gave that to us. We owe our investing know-how in Mutual Funds to IMG and Rex Mendoza. The link to them is Bro Bo Sanchez through his Truly Rich Coaching Seminar. Investing became so clear and simple: It’s Like Eating Cake!

Our journey towards the correct and purposeful investing happened this way .. We bought and read books by Bro Bo and Robert Kiyosaki, and many other books. In fact we have all the books of Bro Bo Sanchez about money and investing. We started with the “8 Secrets of the Truly Rich”, “Choose to be Wealthy”, and I love this book “ My Maid Invest in Stocks”. Fely and I attended the Financial Coaching seminar by Bro Bo in July of 2007.We executed what we learned and get ourselves updated and educated on a continuing basis.

Benj and Fely Santiago with Rex Mendoza (Leftmost)

Fely and I put to action what we learned from Bro Bo's Truly Rich Coaching Seminar and got into a company called IMG-International Marketing Group. Fely and I were coached how to manage our finances, how to get out of debts, and how to invest properly. We did not just learn…we started to do what we learned. And with discipline and consistency, we continued to do it since then till now.

Then, in 2009, we started to share our experience with our family and friends, encouraging them to follow our example. In about 3 years after my retirement, we were able to get out of our bad debts, had profitable investments, and were able to start to generate passive income, which reached 153,678 Php/month in 2012. Read our full story how we got out of debt on this book:

After more than 12 Years with IMG, Fely and I have been able to change more than 40,000 people's lives all over the world. We also touch people’s lives in our mission as Financial Counselling Ministry Head of Bro Bo Sanchez PICC Feast. We also help out people build a solid financial foundation for their future through the Wealth Circle of Bro Bo Sanchez. Fely and I are now, debt free, happily retired business owner with profitable investments travelling the world coaching people how to achieve the same. We were able to help more than 28 people become Multi Millionaires.

KEY BENEFITS YOU WILL GAIN

* You will receive a total guide and personal coaching on the “why and how” of correct investing. You will learn the 3 different levels  of investments that is right for your purpose and financial goals.. Personal coaching will assure your success.

It will really feel like you are just

“Eating cake”.

* You will be able to ACCESS in less than 24 hour the various, safe and profitable ways of investing in the first level Investment called Kaiser, second level Mutual Funds and third level Direct Stocks with a minimum Membership Fee with 1000 PHP Mutual Fund Investment for a Total Fee of only 5500Php each!

* You will be able to define the proper way and the most effective way to allocate your investments. You will be able to define for yourself and your family your short term and long term financial strategies, as well as financial preparedness in times of Emergencies, that will allow you to be financially free!

* Sorry to disappoint you, I do not give guarantee that your investment will have no risk and earn immediately. It is not going to be a get rich quick scheme or a risk free investment... But I guarantee, if you follow my system which I personally experienced you can be financially free in less than 3 years.

* You will also have your privilege to get into an amazing Business Opportunity of helping people Save and Invest properly. A Business that you define your own quota, your own time, and YOU are your own BOSS! You own the business! 

    WHAT PEOPLE SAY ABOUT OUR PROGRAM

 "I am a High School Graduate and never finished college. My family is poor, and I know the hardship of being poor. I do not want my children to have limited education like me. I want them to finish college. I want them to have a better life. And I am so happy I learned how to manage my finances and invest properly with a solid financial plan and strategy through Bro Benj and Sis Fely. It really works. I invest now in Mutual Funds and I earn passive income from my own business by simply sharing and helping other people how to properly save and invest” –Matin Leano

“I worked as engineer for Intel. After an early retirement from Intel, I put up a business (franchised outlet of meat products) together with my friends from Intel who were also given their early retirement package. After two years, I have not recovered my investments. I am glad I learned from Bro Benj and Sis Fely how to invest on safe and solid investment vehicles (Kaiser Ultimate and Mutual Funds). I even got a bonus of being able to create my own business. Now, I have a very profitable business helping people save and invest and earn extra money I can save and invest. It really is amazing for I only invested insignificantly low amount against the investment I made in our failed franchise business.”- Nancy Martin

SO HOW MUCH WILL IT COST YOU?

You probably would think this would cost you “lots of money" to learn how to invest and start it up immediately. It’s true that this COULD cost you more than P25,000 just for the seminars and investment planning.

But that’s not necessary, because it is part of our mission to help people save and invest correctly. Call  or Text me at 0920-902-1217 or email me at richbenj.santiago@gmail.com NOW!!!

BONUS! BONUS! BONUS!

As an added BONUS, if you decide to join of our program, you will receive Monthly  Market Updates from the best Fund Manager with a combined total value of more than P30,000... All for FREE!

Call me NOW to set up your appointment! Send me an eMail NOW at richbenj.santiago@gmail.com Better yet, call me at 0920-902-1217… I would guarantee you a response within 24 hours no matter where I am… Just tell me I want to “invest like eating cake”…

See you soon!

God bless you,

Benjie and Fely Santiago

PS: Don’t procrastinate. Learn how to profitably invest NOW! Call me at 0920-902-1217 or email me at richbenj.santiago@gmail.com and we’ll sit down together and help you define your investment strategies for your future!Click this to :Learn How To Invest Correctly

Benj Santiago with Bro Bo Sanchez on European Marian Pilgrimage

Benj and Fely Santiago in Sydney Hillsong Conference 2013

How IMG Helped me Invest?

I am sure everyone wants to secure their future by INVESTING Correctly. Kaya nga maraming nag lipana na mga seminars and libro tungkol sa mga investments.

Pero bukod tangi ang IMG! Hindi lang ako natuto mag save and invest. I am guided kung anong companies ang safe pag investan, Updated pa ako continually kung ano ang dapat kong maging behavior habang nag iinvest. Tsaka, updated din ako sa nangyayari sa investments ko at least every two weeks! At ang maganda pa, when you become an IMG Member, automatically meron ka na agad P1000 Initial Investments sa Mutual Funds!

Katunayan nga, noong 2008 bumagsak ang stock market dahil sa problema sa America. Yung tinatawag na "Sub Prime" crisis. That was the year nakuha ni Fely ang retirement pay niya. Kung hindi kami properly guided, dahil pabagsak ang stock market, sa palagay ninyo mag iinvest pa rin kami? Noon 2009 ako naman ang na terminate sa aking trabaho. Bagsak pa rin ang stock market beginning 2009, sa palagay ninyo dapat ba iwithdraw na ang mga investments?

Dahil sa IMG Training, we know not only kung saan mag iinvest. We were also guided how to behave in the different cycles of the stock market. Kaya ayun, 2009 year end, we got the best returns in our investments. And we traveled the World!

And by the way, did you know that when you invest in the stock market through MUTUAL FUNDS and IMG Member ka, you don't have to pay ENTRY FEE!!! IMG Members invest in MUTUAL FUNDS with ZERO CHARGE on Entry Fees!

If you want to know more about the other IMG Benefits, watch this IMG Membership Benefits

If you want to know more about correct and proper way of Building A Solid Financial Foundation click this to attend our FREE ON LINE WEBINAR

Join us NOW!

God bless us all!

Benj and Fely Santiago

Truly Rich Makers Founder

Debt Destroyers Author

Senior Executive Vice Chairman IMG

Investing In Mutual Funds Made Easy!

A Lot of People Now Wants to Invest in the Stock Market.However, Some Think That Investing is Only for The Rich.Some People Don't Even Know What Mutual Funds are?

 "Do you Want to Know How to Invest in MUTUAL FUNDS?"

Register Here for a FREE Financial Coaching!

One of the Major Benefits of being an IMG Member is Access to Mutual Fund Investments with ZERO Load or Zero Entry Fee.

ZERO LOAD  or NO Entry Fee means, there are NO charges when we Purchase our Shares in Mutual Funds through IMG. On Top of that, we are given the privilege to get educated and updated on Mutual Funds so that we clearly understand what we are getting into.

We have Domestic Helpers, Construction Workers, Janitors, Drivers, Engineers, Doctors, Retirees who learned the right way of investing and they are now empowered to know what is the right investment vehicle for their needs.

If you want to avail of this Membership Benefit of IMG, contact me NOW at 0920-902-1217 or email me at richbenj.santiago@gmail.com for more details.

If you want to 

Start INVESTING in MUTUAL FUNDS,

Click Here: BE A MEMBER.

BONUS BONUS BONUS!

If you JOIN IMG NOW, You will receive from me a GIFT! I will send you an eBook that details How To Invest Easy and Correctly! Email me at richbenj.santiago@gmail.com and tell me you want to JOIN IMG and Start Investing in MUTUAL FUNDS.

How "Retireables" Need to Invest?

Retirement Planning ideally starts when you start with your career or business. However, in most cases, like we had, planning for retirement takes the back seat. It emerges back when we are actually about to retire, or forced to retire in our 50’s.

Government workers have better retirement pay. They enjoy above average pensions. On the other-hand, Employees from private companies is mandated by law to receive 1 month per year of service as lump sum and about 10-15K per month of pension. More often than not, these are less than what retirees need for maintaining their lifestyle.

When people retire, their challenge is how to manage their retirement money. They do not invest their money but spend it in fixing their homes, replacing their old cars and travelling the world which they were not able to do before they retire. Their situation is much like a “Lotto Winner” with so much cash in their hands that they get so excited to spend it on things they have not enjoyed in life prior retirement. 

In their 50’s and on their 60’s, they find it difficult to land another job. So, they do not have other source of money other than what they receive in their retirement. I met retirees who incurred a lot of loans and credit card debts. They don’t know how to manage their debts. Debts and Loans payments, eats up a majority share of their “Lump Sum” retirement pay. They are left with very minimal amount that last them for a year to 5 years. That is the challenge for “Retireables”.

But again, there is hope. I know. I was forced to retire at age 52 by the company I worked for. The solution is a combination of right investment for passive income generation, proper debt management strategy, and a business to fund my retirement. In short, retirees should still be net earners in retirement. Their total income should still be higher than their expenses. They should have positive cash-flow. 

The Retirement Replacement Fund we need to accumulate to be able to retire with Financial Freedom is 20X Annual Income. So if we were earning about 30K/month, this is 360K/Year. Multiply this by 20, the Retirement Fund you need to have is 7.2M PHP. In all probability, you don’t get this from your retirement pay. You need to work for at least 240 Years to get to this. Even if the company gives a 4X of the government mandated retirement pay, you would have to work for 60 years to achieve this. 

So the solution rest on properly investing the retirement pay, managing the debts, and creating a business that can generate a passive income. By simply investing a total of 9,700/Month at age 51, you can accumulate 7.2M by the time you turn 70. This can generate for you at least 30K/month in passive income from Investment Returns (assuming a 12% Annual Return). This sum, plus the retirement Fund you invested, plus the monthly pension, can definitely provide you with a financially free retirement. The earlier you start the easier for you to achieve your Retirement Fund Goals. Imagine, with just 20 Pesos per day of Investment for 30 years, you can accumulate 2M Pesos! Make it 100 Pesos per day, you can accumulate more than 5M pesos!

I invite you to take action NOW! Call or text me at 0920-902-1217 for your  FREE Retirement Planning Session. Or eMail me at richbenj.santiago@gmail.com

I also encourage you to REGISTER on our ON LINE FINANCIAL COACHING  to learn more.

God bless our plans!

How Should Gen X Invest?

Generation X are those people who are sandwiched between the needs of their parents, and the needs of their own children. They still support their parents, and they support their own family. I know a lot of them who are OFWs who try their luck abroad as DH-Domestic Helpers, Caregivers, Nannies, Teachers, and Professionals. They work abroad to earn more so that they can provide more to the needs of those whom they leave behind in the Philippines. They are in Saudi Arabia, Dubai, Israel, Japan, Vietnam, Malaysia, Singapore, and Hong Kong. They normally don’t have retirement pay, and most don’t intend to stay long abroad. They simply plan to work for 5 to 10 years and then go back for good. They are our heroes. They sacrifice a lot by staying away from their families, so they can provide for them.

Most of them earn more than double of what they can earn in the Philippines. A DH can earn as much as 25,000Php in Hong Kong while they can only earn about 8K/month in the Philippines. The families they leave behind depends on them so much. They are most often times used as source of emergency funds. Their families thought that their income is unlimited. Most of these Gen X who are abroad sets up a business they let their families take care of. However, due to lack of Financial Education, they normally do not know how to handle their finances. They plan to work for no more than 10 years, go for good in the Philippines with the business they set up, but they end up working all their lives, with failed business, and with no savings in their retirement. That is their challenge.

Those that opt to stay and battle it out in the Philippines face the same challenge of supporting their own families, and their parents, on a daily basis. They would normally live in separate houses, as most married couples wouldn’t want to live with in-laws. Income normally isn’t enough for their own family’s needs. They fall prey to loan sharks, credit cards, and all kinds of loans. I know this first hand. I’ve been through it too.

They earn but their expenses; on both ends, more often than not exceeds their income. They pay other first before they pay themselves. Warren Buffet put’s it accurately.

But, there is hope. FINANCIAL EDUCATION is the Key that will enable the Gen X to start investing, wherever they are. The most important Concept Gen X needs to know is the “Pay God, and Yourself First”. This is the “Prosperity Formula” that Bro Bo Sanchez teaches us. We just simply save and invest 20% of what we earn. And we do this by making sure we spend less than what we earn, and earn additional income by engaging in a business. A business, they can do in their part time. More importantly, they also need to get their families financially educated so they appreciate the value of money and how to save and invest.

Bottomline here is that those who Gen X work hard for, need to Invest on Financial Education. Those that rely on us have to know the proper way of handling our finances. Then, we need to make sure we do our best to Invest for our future as no one else will do it for us. Not the government, not our children, nor our parents who depends on us.

If you are Between 35-50 years old and you have a family that you support, including your parents, this guide is for you. You are the Gen-X I am talking about. You need to act on your Financial Strategy NOW. Contact me at 0920-902-1217 or eMail me at richbenj.santiago@gmail.com.

God bless us all!

Register NOW on our FREE ON LINE WEBINAR

Investing Made Easy for Seafarers

Seafarers are highly paid. They have a yearly renewal of contract that last as short as 4 months to as long as one year. Most usual, high ranking officers get on board for 4 months, while low rank seafarers go on board for about 8 months every year. They have to go through training and certification each year to get promoted to the next level to increase their rank and pay.

They usually, have healthcare only when on-board. Some even have coverage for their extended families. Some don’t. They don’t get paid when they are not on-board or under training. They have to pay for their own Training and Certification. They don’t have 13th month pay. They also don’t have retirement pay. They usually invest on properties, cars, and huge houses. These are what makes them different from most profession. These are the reasons why, they need a different approach into investment and protection.

The advantage of seafarers is their income. They just have to learn how to budget, and how to invest correctly with their spouse, and children. They have to invest the retirement pay they already receive in advance. They need to make sure they divide the total income they receive per year by 12 so they can budget it correctly. Unless they save and invest, they don’t have retirement funds to rely on for they already spent it.

You see, even if they start at age 41, with 20% of 125,000Php/Month which they normally earn, they could accumulate 23.6M Php by the time they turn 61. They can happily retire with financial freedom with more than 190K/month earning from their investment. What if they start as early as 21! If they do when they turn 41 they can retire also with 23.6M if they start to invest 25K/month properly.

If you are a seafarer, and want to know the complete and solid financial strategy for you, contact me NOW at 0920-902-1217 or eMail me at richbenj.santiago@gmail.com for your Complete and Solid Financial Strategy.