Investing Made Easy for Seafarers

You Can't Be A Seafarer For Life! How Should You Prepare?

Click this to Learn How

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.

For more information, you can opt to register here too: https://bit.ly/retirehappilynow

Coach Benj Santiago

Head Coach and Founder

Truly Rich Makers

Author of Debt Destroyers

How Millennials Need to Invest?

Do You Want to Retire Young and Wealthy!

Our Investing Millennials Event

Message me to get Connected with a Millennial Coach.

Millennials referred here are those that have ages between 21-35 years old. They comprise more than 50% of the total population of the Philippines as of 2017. If you belong to this group, you have a totally different situation, and needs a different approach into investing. Actually, you are the luckiest bunch of investors. You have the luxury of time. Time is your greatest asset.

Millennials are highly connected in the internet. They are on-line most of their time. They are exposed to interesting travel spots, updated gadgets, and places to eat. Search engines in the net exposes them to many spending opportunities. They would normally hop from one job to another. Most of them, plan to marry in their early 30’s. 

Most millennials go by the by-line “YOLO- You Only Live Once”. Thus, they enjoy their freedom and spend most of their income on food, travels, and gadgets. Investing for them takes the back seat. They simply want to enjoy life.

However, these millennials are gifted with time. They do not have to invest a lot of money to prepare for their future. 20-30 years of investment period is an advantage they have. They don’t have to invest so much to accumulate their millions. They just have to start early.

Do you know that if you are a millennial at 21 years old, you only need to invest 3000Php for 20 years, and you can achieve more than 2M. Then you can leave your investments to compound to 15M Php investment accumulation, when you retire at 60 years of age. You invest in your Level 1 for 7 years and move your Level 1 Investments to Level 2 on the 8th to 20 year. The balance of your investible funds can simultaneously be invested into either Level 2 or Level 3.

At 31 years of age, and up, they normally start to plan for their marriage and have their own family. This is their new challenge. How to accumulate money for their wedding day. If they start to save at 21 at least 50Php/Day or 1500Php/Month, they will have 346,069 Php for their wedding (assuming a compounded rate of return of 12%)!

A complete retirement plan for a 31 Year Old can be as low s 4000Php/Month. With this, they can achieve about 7.7M investment accumulation at age 60.

Based on the above examples of two guys investing at the same time,  one is 21 years old (let's give him a name: John) who invested 3K and the 31 year old (say his name is James) invested 4000 per month, John can accumulate 2M, and James  can achieve 3M in 20 years , James  can accumulate 1M more versus John after 20 years. However, when they both reach 60 years old, the total accumulation of James is less than half of John who invested only 3000Php. This is because  John has 20 more years to let his 2M grow while James only has 10 more years to grow his 3M after 20 years. So do you see the importance of starting young?

Time is really of essence. The earlier you start, the more you can accumulate through the Power of Compounding Interest. This is practically in the range of 100-150 Php per day of savings only which most of Millenials working with even just 500Php/day income can save. “Agree ka ba bes”?

Now, if you are a Millennial and want to secure a bright and prosperous future, don't delay. Contact us NOW at 0920-902-1217 or eMail me at richbenj.santiago@gmail.com.

I also encourage you to attend our FREE ON LINE FINANCIAL COACHING to learn how to do it.

For more information, you can opt to register here too: https://bit.ly/retirehappilynow

You are the hope of this nation! Be rich before your life begins at 40!

God bless you all!

Coach Benj Santiago

Head Coach and Founder

Truly RIch Makers

Author of Debt Destroyers

How DO We Invest? What Challenges do we face?

Are You Investing Correctly? Do You Know The Right Strategy?

The other challenge of investing is finding the appropriate, and safe investments. A lot of people fall prey to scammers. People never learn. Because most of us wants instant gratification, instant coffee, instant return on our money! In investing, we need to have a solid, and complete plan. We need to have a coach to increase your success rate. 

There are given rules of investing, dictated by the Term of Investment (tenure), and Risk Rate of Return Trade Off. The Longer Term gives Higher Returns. The Lower the Risk, the Lower the Return. The Higher the Risk, the Higher the Return. And, Longer Term of Investment usually negates the Risks.

So you need to know How Long will you invest, and what risk can you take. What is your risk appetite? Do you go for higher risk? Can you take the risk for the money you invest? Do you need the money within a year? Or you intend to use it after 10 years? Your answer to this will lead you to the right investment vehicle.

Define your Investment Purpose. Determine your investment goals. Then you match your goals with the different investment vehicles suited for your term of investing as well as your capability to risk our money.

Level 1 is our Kaiser Long Term HealthCare

From these different investment vehicles, we master and executed the three levels of investing. Level 1 is our KAISER 4 in 1 which satisfies our basic investment foundation that prescribes we get into short term and long term health care, and life protection. 

Level 2 is our Mutual Fund Investments

Level 3 is our direct stocks. Our level 1 investment is allotted for the H in HIDEE and we use Level 2 and Level 3 to cover for the remaining Purpose of Investing (IDEE).

Level 1 investing developed our habit of saving and investing as it is with due dates. It is also a perfect way to start for it has insurance protection that will guarantee we complete the investing even if we get disabled or worst case die. 

It also teaches us the proper way of investing which is called Money Cost Averaging. This is a strategy that is less risky. The other way of investing is “Trading”. I always hear from a financial mentor that “85% of people who trade in the stock market loses their money”. I personally just do the Money Cost Averaging. It is simply investing same amount of money at a defined frequency, continuously, on a long term basis.

You need to ride on investments that will put money into our pocket. Not all assets are real assets based on definition of Robert Kiyosaki. “Real Assets puts money into your pocket”. Make sure we Invest only on Assets. We have to stop putting money on liabilities:

Again, as Robert Kiyosaki say, Invest on Assets. “Assets are anything you buy or have that puts money into your pocket”. So, after Getting our Level 1 Investment and Protection, go for Level 2.

Our level 2 is on Mutual Funds. Why is this? For beginners of investing, after completing the basic protection Fely and I re-allocated investments we placed in direct stocks to Mutual Funds. There are many advantages of Mutual Funds. I liken Mutual Funds Investing to simply buying a cake if you don’t know how to bake it yourself.

If you want to know more, ATTEND our FREE ON LINE WEBINARS

If you want to start to invest, contact me NOW at 0920-902-1217 or email me at richbenj.santiago@gmail.com. For more information, you can opt to register here too: https://bit.ly/retirehappilynow

Happy Investing!

Coach Benj Santiago

Head Coach and Founder

Truly Rich Makers

Author of Debt Destroyers

Investing in 3 Levels Within 24 Hrs

They Really Don’t Want You
To Learn How To
Invest…

But

I Can Teach You
How To Invest And Start It Up
In Less Than 24 Hours
with Just
10,000Php!

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

Click this To LEARN HOW

I know how it is to be really working hard for the money. And it pains me to see people like you lose their opportunity to make your money work for you. You may also 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. 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. 

Nancy, one of my IMG Business Partners invested also in a failed business investment.

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 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!

You can experience this too... You can retire and have tons of money to take care of yourself, and your money doesn't get depleted. You can take your whole family, including your grand children on a yearly local tour, and once every two years on a pilgrimage to Holy Land Europe, and enjoy "gelato" in Italy where St. Francis once walked.

Enjoying Lourdes, France.

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 100Million Peso Opportunity in investing. Because I 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.

Fely and I tried to invest on what turned out to be a scam and we lost our money. Investing requires literacy. IMG gave that to us. We owe our investing know-how in Mutual Funds to IMG and Rex Mendoza. Investing became so clear and simple: It’s Like Eating Cake!

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, after two years, 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 153,678Php/month in 2012. 

After 5 1/2 Years with IMG, Fely and I have been able to change more than 5000 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. 

Holy Land Pilgrimage Side Trip in Dubai...

Time for Action… Click this to LEARN HOW

Warning: Do Not Delay Your Investing…

Do not PROCRASTINATE. I want to help you in your investing. I can guide you and hold your hand every step of the way towards your financial freedom. All you have to do is call us up or email us (details below) and we’ll discuss HOW you can achieve what we have done, and set your course straight towards your financial goals.

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 different vehicles 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 execute in less than an 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! And your MUTUAL FUNDS are FOREVER ZERO LOAD FEES that is a savings of more than 2500Php for every 100,000PHP Investments!

* 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 that will allow you to be financially free!

*You will have access to Direct Stock Investment through MyTradePH by Abacus Securities Apps and Platform. You will receive daily notification on Stocks Updates on your phone wherever you may be. You can buy and sell stock though your phone or tablet. This can easily save you no less than 10,000PHP/Year in FEES.

* 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 a multi-millionaire in less than 3 years.

* You will also have your privilege to get into a 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! A business you can start up with less than 9999Php! This is part of the offer , so you can increase cash flow, and be able to invest more money.

WHAT PEOPLE SAY ABOUT OUR PROGRAM

EVC Matin Leano

"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 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” – Malvin Matin Leano

CEO Nancy Martin

“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 create my own business, and how to invest. Now, I have a very profitable business helping people 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 “tons of money" to learn how to invest and start it up immediately. It’s true that this COULD cost you more than P50,000 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 you’ll enjoy a FREE 1-hour investment consultation if you call me within the next 24 hours upon reading this note 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 my  monthly updates, and a Quarterly Market Updates from the best Fund Manager with a combined total value of more than P20, 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”…

For our ONLINE TRAINING, you can opt to register here too: https://bit.ly/retirehappilynow

See you soon! God bless you,

Benjie and Fely Santiago

Head Coaches and Founders

Truly Rich Makers

Authors of Debt Destroyers

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!

PS2. In the past we failed in our investments too. Today, we’re enjoying our life because of our investments. YOU can experience this too. Call me at 0920-902-1217 or email me at richbenj.santiago@gmail.com and tell I want to “invest like eating cake”.

Investing In Mutual Funds: ZERO LOAD

A Lot of People  Now Wants to Invest.

However, Some Think That Investing is Only for The Rich.
Some People Don't Even Know What Mutual Funds are?

Click this NOW to LEARN HOW TO INVEST. 

One of the Major Benefits of being an IMG Member is  Access to Mutual Fund Investments.

And the best part of it is that we have ZERO LOAD which means there are NO Entry Fee 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  richbenj.santiago@gmail.com . 

Go Register NOW  here : https://bit.ly/retirehappilynow to have the OPPORTUNITY to RECEIVE our FREEBIES!

Coach Benj Santiago

Founder and Head Coach

Truly Rich Makers

Author of Debt Destroyers

Children's Education and Estate Planning

A lot Of People Fail to Plan for Their Children's Education More-so on their Estate Plan

Click this to REGISTER to Our FREE FINANCIAL COACHING SESSION

Education of our children MUST take priority seat in our investment goals. We have invested in pre-needs that we were able to use and some that went to drain. But it did not stop us from learning and investing in the right vehicle for this goal. We want to give our children the best education that they can avail of. We want to give them the choice of what school to get into and not just settle for what we can afford.

For more information, you can opt to register here too: https://bit.ly/retirehappilynow

I remember when I was about to finish my High School some few years back (ehem… in the 70’s). I really am worried on whether I can go to college or not. I thought I would have to stop studying and work for a while to have money for education. I studied hard, and prepared myself for getting scholarships.

First thing that crossed my mind was to get into the Philippine Military Academy. But because I was short (I was only 4 ft. 11 inches) when I finished High School, I crossed out that option. I took scholarship examinations and passed both the City of Manila, and the National State Scholarship. While this feat made me who I am now, I would want to spare my children the agony I went through, the sleepless nights of wondering if I can get into college. So I invested for my children’s education.

By 2017, Rjay my first born son, Chai my eldest daughter, and Rocky are all done with their college education in their school of choice. Chiara, the youngest also completed Business Management in DLSU and is now employed. All of them had the needed funds to complete their college studies.

We need to invest also for Estate Preservation. This is a very important part in financial planning and this deserves a wider and deeper discussions. And, we really need to have an Estate Plan to ensure we are prepared to transfer inheritance that we built to our children.

If you want to learn more how to Invest  for Education of Your Children and Estate Planning contact me at 0920-902-1217 or register eMail me at richbenj.santiago@gmail.com.  Attend our ON LINE WEBINARS to learn more.

God bless us all!

Coach Benj Santiago

Head Coach and Founder

Truly Rich Makers

Author of Debt Destroyers

First Step in Having Peace of Mind in Retirement

 

Who and How You will be Taken Cared At Your Old Age! You Cannot Depend On Your Company, Your Children, nor the Government for Your Long Term Healthcare!

Click this to Learn HOW TO BE PREPARED 

The topmost priority in our Investment Goal to have Peace of Mind in Retirement is Health Care. Employees normally have a short term healthcare benefit. However, like many people when the company retire us the company gets the benefit back. We need to have a Long Term Healthcare. By long term, it means a healthcare coverage beyond retirement. This is very basic and the first priority in building your financial foundation. Why is this so?

If you want to know what is right for you contact me now at 0920-902-1217. or eMail at richbenj.santiago@gmail.com

For more information, you can opt to register here too: https://bit.ly/retirehappilynow

When Fely and I were both employed, the company we worked with really provided very well for our healthcare. However, when the company opted to give us early retirement, our healthcare also ceased. Thus, it gave us a very big lesson that we must make sure that while we are working and the company provides for our short term healthcare, we must invest on our own long term healthcare too. We do not want to experience the stories of Jose and Juan and many others who have struggled and still is struggling financially because of a medical crisis in their life.

So this is the first investment that we took care. We acted on it. We got ourselves and our children, long term healthcare. Our entire family are secured that any medical crisis we might encounter, we have money that we can use. Fely and I do not need to sell off properties; we do not have to incur debts. We have a solid financial foundation. We calculated how much we would need in case of a medical crisis, as well as for the basic medical needs. By basic, this includes maintenance medicines, and vitamins, and supplements. We calculated the future value of what we spend today to the year we project we actually will need it. We used an inflation rate of 7%.

I had seen many families that went bankrupt because of a medical crisis. One of them is June; a retiree from a prestigious local company. In his retirement years, he had cancer. All their lifetime savings and properties were wiped out in just a matter of months. He even had to ask financial support from family and friends. He had to even resort to borrowing money. Finally he succumbed to the disease not because there is no cure but because he has exhausted all his resources and his family could no longer support him. He died penniless and in debt.

Jose a seafarer, with very high pay had lots of money. Whenever he arrives from months of sailing as captain of a chemical tanker, the whole “barangay” celebrates days of feasting and drinking for his many friends. He lived a life of a multi-millionaire. But one day, he was diagnosed with heart ailment. For the first year, his company and his savings enabled him to survive. 

However, his resources to pay off for his medical needs and daily expenses did not last long. Worst, since he no longer can ably steer the ship, he was retired by his company. Since he is retired, he no longer is covered by the healthcare the company previously provided him. Even if he is still is below 60. Because of his heart condition, he is not taken in even on a lower post. Thus, he no longer had income, and along with that, his drinking buddies abandoned him. Worst, his wife left him alone. Now, on his late 50's, he is lonely, penniless, jobless, and cannot afford to care for his health.

Another guy we met was Juan, a very young Training Manager of one of the fast-food chain in the Philippines. Even before he reached 30, he had a stroke rendering half of his body paralysed. Like the experience of Jose, the company only took care of him on a very limited number of months. Eventually he was also asked to resign. So the short term health care he enjoyed as employee is no longer in effect. Since he did not invest on his own short and long term healthcare, he had to pay for his physical rehabilitation from his own savings, and from the help of his family. This definitely put a terrible stress in the family's finances.

Peter is another example of those who had very successful career in the past, had high position, and well covered short term health care. He is almost always on travel and had assignments overseas as a Manager in a Semiconductor Manufacturing. However, he had contracted kidney problem that necessitated medical attention. 

Initially, he was covered by the company he worked with. But, of course as usually what happens, the company would only cover medical needs of an employee on a limited basis. This left him to fend for his own needs. Since he did not invest on his long term healthcare while he was gainfully employed, he did not have any back up plan. In his early 50's, he is unemployed and survives by the income of his small business, and by asking help from his former co- employees and friends for his regular Dialysis that already had cost him millions. After 4 years, he eventually died leaving the family with a mountain of debt.

We met many June, Jose, Juan and Peter of different ages, who went through the pain and difficulties in their finances due to medical crisis. People really go bankrupt if they do not have the basic short term and long-term healthcare. It does not matter whether you are in the early part of your career or in the last quarter of your work life. The lesson we learned from these people we met is clear, we have to make sure that in building our solid financial foundation, we must indeed start it by securing our own long term health care. And if we do not have a short term healthcare, we must secure it too!

We have completed our 5 year investment on this Long term healthcare. With just the interest earnings of our long term healthcare coverage, we can sustain our daily basic maintenance or even a medical crisis, which we pray won’t happen. But just in case it does, we have more than a million pesos to cover for that. We won’t have to sell any property nor borrow money. Better yet, we expect and claim that we will be healthy, and thus, would use the interest of this invested money to help other people like Juan, Peter, and Jose who are in desperate need. After completing our Kaiser HealthBuilder Premium , we took another Plan. A bigger plan which is a 7-Year Kaiser Ultimate HealthBuilder! We do what we preach!

Contact me NOW at 0920-902-1217 or eMail me at richbenj.santiago@gmail.com so you can have Peace of Mind!

Click this to REGISTER to Our FREE FINANCIAL COACHING

God bless us all!

Coach Benj Santiago

Head Coach and Founder

Truly Rich Makers

Author of debt Destroyers