MaLou Torres, Financial Coach,

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MaLou Torres, Financial Coach, Financial Coach at International Marketing Group
Certified Insurance Underwriting, Manila Bankers

Sa KAISER 7 years ka lang na mag iipon pero lifetime ang benefits kaya wala kang pera na masasayang dahil ito "Ang IPON ...
28/11/2024

Sa KAISER 7 years ka lang na mag iipon pero lifetime ang benefits kaya wala kang pera na masasayang dahil ito "Ang IPON na walang TAPON". 3 in 1 investment pa!

1. May HEALTHCARE or HMO ka.
👉🏻 may magagamit pag nagkasakit. It's

2. May LIFE INSURANCE ka.
👉🏻 may maiiwan na pera sa pamilya kapag kinuha ni Lord ng maaga or ma disabled.

3. May INVESTMENT ka.
👉🏻 may pera ka na magagamit sa retirement or after policy maturity dahil ang pera mo ay naka invest din sa stock market.

Kung gusto mong maintindihan ang mga basic plans at paano ka makakapag uumpisa... mag direct message lang po para ma guide ka.

Start now habang bata pa at kaya mo pang mag ipon... dahil mahirap ang walang ipon lalo na sa panahon ng pagkakasakit.
Happy Investing!

Start now for your KAISER savings.
More info just message me.

We are not in the business of convincing people rather we are in the business of educating people.You don't convince chi...
27/07/2024

We are not in the business of convincing people rather we are in the business of educating people.
You don't convince children on the benefits of saving, rather you educate them.
Same with adults, we don't need to convince them on the benefits of having more emergency funds/money versus having less/no emergency savings/money.
We just have to educated everyone on how to have savings for a specific future need or necessity like saving for old age (retirement plan), saving for medical bills (healthcare plan), saving for kids schooling (education plan) and securing family inheritance/legacy (life insurance).
The responsible people will grasp the concepts, execute an action plan because they understand the importance of financial education.
Financial education is the key.
Financial education is not selling so "no convincing skill" needed.
The IMG Community educates, mentors, coaches, and guide people on making better financial decisions.

💚

28/03/2022

Don't ever look down on your financial educator friend.
When you get seriously ill, while your friends might donate their tiny extra funds for your hospital/medical bills, the healthcare/health insurance coverage that you'll get from your financial educator friend pays most of the bills.
When you bid farewell and are laid to rest, while your family and friends cry in tears and deep sadness over your passing, your financial educator friend will deliver millions worth of insurance proceeds to your bereaved loved ones.
When you are in your senior years, while government pension gives a helpful tiny allowance, you will enjoy millions worth of lump sum or lifetime residual income from your retirement fund when it matures - and that's becoz of your financial educator friend.
You see, when you give time and hear out your financial educator friend on what he is going to offer - it's not you who gives favor to your financial educator friend, it's the other way around.
Financial education gives you a chance to understand the role of financial trainers, educators and mentors.
Did you know that you can become your family's financial educator-coach/mentor? You are the right person who can give direction and purpose on how your finances / money can work for you to build a solid financial future.
Yes, being a Financial Educator is a noble career, profession and business.
Yes, you can become a Financial COACH and get trained
Ctto

Let me leave you with an awesome advise written thousands of years ago: “Go to the ant, O sluggard; consider her ways, a...
28/03/2022

Let me leave you with an awesome advise written thousands of years ago: “Go to the ant, O sluggard; consider her ways, and be wise.”—Proverbs 6:6, ESV

Pls Visit my Linkbio https://bit.ly/maloutorres

Retirement Fund is a MUST! Imagine yourself 30-40 years from now. Maaaring senior ka na non pero handa ka na ba? Bukod s...
28/03/2022

Retirement Fund is a MUST!
Imagine yourself 30-40 years from now. Maaaring senior ka na non pero handa ka na ba? Bukod sa emergency fund, dapat mo rin paghandaan ang retirement fund mo. I-consider mo ang mga sumusunod kapag nag-retire ka na:
1. No work no pay - Wala ka na work kaya wala ka na ding regular pay at saan ka pa kukuha? Waley.
2. Pension - Hindi ito sapat bes at kailangan mo i-downgrade ang lifestyle mo kung dito ka lang nakadepende.
3. Family support- Walang kasiguraduhan kung kaya ka i-assist ng mga anak mo financially. Gugustuhin mo rin bang maging cause ng financial stress nila in the future? I'm sure hindi. Kaya save enough funds to support yourself.
4. Inflation - Ngayon pa lang ramdam na ang pagtaas ng mga bilihin so paano pa in the future? HIndi natin masabi kaya mas mainam kung maging handa ka na lang ,right?
Message me so we can do Financial Planning for you!
ctto

Finance 101! Tama o tama? Minsan narerealize natin yung mga bagay na importante kapag wala na ito sa atin. Bukod sa maha...
01/10/2021

Finance 101! Tama o tama? Minsan narerealize natin yung mga bagay na importante kapag wala na ito sa atin. Bukod sa mahal sa buhay, materyal na bagay at pera.
Kadalasan ang problema ng marami ay pera. Pinagdarasal natin lagi ang biyaya pero kapag nandyan na ang biyaya di natin binibigyan halaga. Kung gusto mo makaipon dapat mayroon kang perang itatabi, paano kung kulang don papasok yung magdagdag ka ng pagkakakitaan. Mahirap kung iaasa mo lang ito sa iyong trabaho. Dapat maghanap ng side line. Disiplina at tamang edukasyon ang isa din sa dapat mong alamin. Maraming tao ang malaki ang kita pero 1 day millionaire naman ang mindset. Maraming tao ang malaki ang kita pero sa scam naman nilalagay ang pera.
Dito sa IMG we provide the Financial education, discipline, environment and the right solution to your financial needs. Wala ka ng hahanpin pang iba. Join ka sa aming financial literacy campaign be part of the 30M families na maeeducate thru Financial Education. Register sa aming free link to receive more trainings and updates Finance 101! Tama o tama? Minsan narerealize natin yung mga bagay na importante kapag wala na ito sa atin. Bukod sa mahal sa buhay, materyal na bagay at pera.
Kadalasan ang problema ng marami ay pera. Pinagdarasal natin lagi ang biyaya pero kapag nandyan na ang biyaya di natin binibigyan halaga. Kung gusto mo makaipon dapat mayroon kang perang itatabi, paano kung kulang don papasok yung magdagdag ka ng pagkakakitaan. Mahirap kung iaasa mo lang ito sa iyong trabaho. Dapat maghanap ng side line. Disiplina at tamang edukasyon ang isa din sa dapat mong alamin. Maraming tao ang malaki ang kita pero 1 day millionaire naman ang mindset. Maraming tao ang malaki ang kita pero sa scam naman nilalagay ang pera.
Dito sa IMG we provide the Financial education, discipline, environment and the right solution to your financial needs. Wala ka ng hahanpin pang iba. Join ka sa aming financial literacy campaign be part of the 30M families na maeeducate thru Financial Education.
Register sa aming free link to receive more trainings and updates https://2610if.30m2030.com
msg. https://m.me/malou.f.torres
ctto for the photo

12/03/2021

"Hindi kayang tulungan ang iba
pag hindi kayang matulungan ang sarili."
Napa graduate mo lahat ng anak mo,
pero ikaw walang savings - you still fail.
A lot of good parents fail with their finances.
Binigay Mo lahat Ng tulong at supporting
pang financial sa pamilya mo pero nakalimutan
mong bigyan ng "savings" ang sarili mo - you still fail.
You failed to "pay yourself first" before paying others.
A lot of good people fail with money.
Let's correct the wrong belief and wrong practice of most Filipinos starting today!
Attend our Free Financial Literacy Class and learn how you can start paying yourself first or better yet let us have a webinar.

May KAISER Long Term Care ka na ba? Kaiser Long Term Care (also known as "Kaiser Ultimate Health Builder (3in1 Plan)" -...
18/02/2021

May KAISER Long Term Care ka na ba?
Kaiser Long Term Care (also known as "Kaiser Ultimate Health Builder (3in1 Plan)" - is an HMO (Health Maintenance Organization) savings plan which is a complete Financial Solution that answers our 3 major financial needs:💥
1. - magagamit natin when we got sick, hindi na natin problema yung pampaospital. At cover tayo nito even when we retire - kung saan mas kailangan natin yung healthcare, kasi dyan na naglalabasan yung mga health conditions.💥
2. - in case something will happen to us unexpectedly - maaga tayo tinawag ni Lord, makaka-receive ang family ng life insurance money. This is crucial especially kung ikaw ay breadwinner - hindi na problem ang mga gastusin, pampaaral sa mga anak, at magagamit din na makapag-start ng business to generate continuous income. 💥
3. - kapag blessed tayo ni Lord with long life - it's good news, pero ang tanong ngayon, "enough ba ang savings natin to support our needs when we retire?" - This will generate passive income sa ating retirement years, ito yung panahon na hindi na tayo kumikita ng active income kaya kailangan natin magbuild ng passive income as early as we can para kahit na hindi na tayo nagtatrabaho ay pumapatak parin yung income.
Grow your money faster, better, and safer by investing in Kaiser Long Term Care with 10% average returns per year. 💥
"Time is precious and regret is always at the end. Take control of your future while you can."
Be Healthy and Insured while investing!💥
Act Now, secure your future!
If not now, when? kung wala ka nang oras? If not this, what else out there?💥
Message me for further details.

Mad respect for OFWs.Sad reality is, a lot of them spend their entire life being away from their family and loved ones, ...
27/01/2021

Mad respect for OFWs.
Sad reality is, a lot of them spend their entire life being away from their family and loved ones, only to return without anything for themselves as retirement plan.
If you are an OFW or have family who is one, please consider starting a disciplined savings plan today.

60% of our OFWs remain financially challenged upon returning home, because only 40% of them have savings. And 8 out 10 can not return home because they are not financially ready to support their family.
To our NEW GENERATION HEROES, pay yourself first. Save a portion of your income for your retirement, medium-to-long term savings and protection.
https://2610if.imgcorp.com/
cto

IN IMG WE EDUCATE WE CARE!
26/01/2021

IN IMG WE EDUCATE WE CARE!

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