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BPM GUIDELINES … Start on Page 2…
Start with Introduction of the speaker/trainer To the prospect/s by the Trainee.
Trainer to request attendees to HOLD their Questions at the end of presentation
Show excitement and Enthusiasm ….
Trainee to be attentive and take notes. Do not ask questions nor answer questions. Just listen. Let the Trainer do the talking…
Read through the pages and pause sometimes for SHARING… Or Use your Flip Charts....
MATERIALS
BPM
5/12/2011 1RVCS JR TRULY RICH MAKER
Welcome to being Truly Rich!
More than 25 Years in USA/Canada &14 Years in the Philippines ...
MATERIALS
BPM
5/12/2011 2RVCS JR TRULY RICH MAKER
Our Company Offers a Total Financial Solution…
• Financial Literacy... Be your own Financial Adviser
• Disciplined Approach to Investing… develop the habit
• Direct Access to Financial Services Companies
- Be Your Own Broker
• Investment and Business Opportunity towards
PASSIVE INCOME
MATERIALS
BPM
5/12/2011 3RVCS JR TRULY RICH MAKER
WHO WE ARE
http://www.img-corp.comIs an independent marketing company whose associates, through its affiliated
companies, offer a broad array of financial services and products
MATERIALS
BPM
5/12/2011 4RVCS JR TRULY RICH MAKER
This is IMG’s Mission…To make families achieve Financial Security….
5/12/2011 5RVCS JR TRULY RICH MAKER
We need to Increase our Income …
Or, Reduce our Expenses
We must work out elimination of debts
Most people are indebted.
Next step is to create emergency Funds
This will help us avoid debt traps
Before we build our wealth…
We need protection for assets and lifeGet out of debt first before you invest
Invest safely and correctly Finally, we need to prepare how to …
transfer inheritance to our children
We cannot afford to miss any of these 6 Steps…& we have to know how to plan for it…. Agree?
Investments should….
2
30
23
45
Children
Charity
Still Working
FinanciallyIndependent
Senior Citizen Survey(Philippine Statistics)
WHICH do you want? Be part of the 2% or the 98%? Obviously, the reason why you are here is because you want to learn how to achieve Financial Independence
No Savings
Big Savings(FinancialGoals)
Big RESP.
No RESP.
DIE TOO SOON LIVE TOO LONG
INCOME (ACTIVE)You work hard for the money
Food Shelter Clothing Education Health Debt/Loan
Food Shelter Clothing
Health Debt-Free
The X-Curve Concept
INCOME (PASSIVE)Money Working Hard for You
YOUNG OLDER
LIFE
This is simple but very powerful planning tool to achieve Financial Security.. It Tells us that we must take care of our responsibilities while building our wealth
5/12/2011 7RVCS JR TRULY RICH MAKER
PROTECT your family(Instant Money/Insurance)Income replacement
Protect Yourself(Investments)Living on Interests
MATERIALS
BPM How Do WeCreate Our Plan?
REALITY CHECK: What is actually happening when we grow old?
Does Money Line go up or down? Does Responsibility Line go down or up?
We really need to know how to increase our Money Line…We need to know how fast money doubles…
Just like going to Baguio, there are many vehicles to ride…In investing , it’s the same…
So how fast does money double? .
HOW DO WE MAKE MONEY WORK FOR US?
RULE OF 72 (LXXII)
72 ÷ 4 = 18
72 ÷ 8 = 9
72 ÷ 12 = 6Money doubles every 18 years Money doubles every 9 years Money doubles every 6 years
Age 4% Age 8% Age 12%
29
6547
29 29
4747
65
65
38
565359
3541
Php 100,000Php 200,000Php 400,000Php 800,000
Php 1,600,000Php 3,200,000Php 6,400,000
Php 100,000Php 200,000Php 400,000Php 800,000
Php 1,600,000
Php 100,000Php 200,000Php 400,000
4X
16X
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
But where do most people save and invest their money? More often than not, people invest in less than 1% and borrow money at more than 12%. Worst , most people don't have money to invest at all. We need to learnhow to Pay Yourself First!… and then harness the power of Compounding Interest to Grow our Money Line ….5/12/2011 8RVCS JR TRULY RICH MAKER
New Formula: Pay Yourself First• Problem:
Most people want to save but don’t know how…most people know only how to spend…
Change the living formula Pay God and yourself
first!At the beginning of the month, before you pay anyone else Give your 10% tithes, then write a check to yourself for 20% of your income.
Discipline yourself to live below your budget
INCOME BudgetExpensesLifestyle
Debts
Income – Expenses = Savings
Income–Tithes-Savings = Expenses
INCOME BudgetSavings
(20%)
God(10%)
Expenses+ (70%)
Lifestyle
Poverty Formula
Prosperity Formula
MATERIALS
BPM
5/12/2011 9RVCS JR TRULY RICH MAKER
Where do we SQUEEZE OUT the Money to INVEST?
With this, we can fund our Complete Financial Plans….
Money Takes Time To Grow
Target Retirement
Retirement Age
Age Now Saving PeriodRequired Monthly Savings
Required Yearly Savings
5 Million 60 55 5 68,249 818,987
5 Million 60 50 10 26,145 313,735
5 Million 60 45 15 13,114 157,371
5 Million 60 40 20 7,274 87,298
5 Million 60 35 25 4,236 50,840
5 Million 60 30 30 2,533 30,396
5 Million 60 25 35 1,537 18,488
Monthly Savings Interest 5 Years 10 Years 20 Years 30 Years
P2,000 4% 132,600 294,500 733,550 1,827,460
8% 145,890 360,250 1,138,000 4,285,140
10% 153,120 290,730 1,436,520 6,797,580
12% 160,680 443,860 1,822,420 10,918,060
P5,000 4% 331,490 736,250 1,833,870 4,568,650
8% 364,720 900,620 2,845,000 10,712,840
10% 383,810 999,320 3,591,300 16,993,960
12% 401,710 1,109,650 4,556,060 27,295,160
P20,000 4% 1,325,960 2,945,000 7,335,500 18,274,620
8% 1,458,880 3,602,480 11,379,980 42,851,360
10% 1,531,240 3,997,280 14,365,180 67,975,820
12% 1,606,840 4,438,600 18,224,220 109,180,640
1. INVESTMENT – to generate continuing income for you when you retire (letting Money Work For You)
2. HEALTHCARE - to provide you healthcare when you retire or when you stop working (someone to take care of you when you get old). How comfortable is your health care situation after age 60, depends on a decision you make today.
3. INCOME PROTECTION/LIFE INSURANCE- to protect your family if you die to soon--- life insurance protection can help you replace your income, help finance your children’s education, pay estate tax, pay debts, etc. instantly (life insurance is instant money)
4. EMERGENCY FUNDS- money you can use for any emergency once the policy matures
What if I could tell you about a product that provides complete solution to your 4 major financial needs?KAISER PREMIUM HEALTH BUILDER
For as low as 2081 /month will provide Total Solution.. A Four in One Product!
13
Four MAJOR NEEDS to COMPLETE Your Financial Plans : OPTION KAISER 4:1
FEEDBACK...
• Are these Concepts (X-Curve, Rule of 72 &
Pay Yourself First ) needed by many others?
• Will we be able to help many others by these concepts?
• If there are many who needs these, and these can help many people, isn’t it a good business?
What Do You Think about this BUSINESS?....
MATERIALS
BPM
5/12/2011 14RVCS JR TRULY RICH MAKER
BUSINESS WE OFFER…
1. One STOP SHOP of Financial Services- we have everything we need
2. By-Pass The Middle Man- earn the commission yourself
3. Create Your Multiple Passive Income Stream
4. Have Your Own Business Franchise- create your own business outlets
5. Earn Interest Income from Investments
6. Earn By Helping Others Save and Invest
5/12/2011 15RVCS JR TRULY RICH MAKER
ONE STOP SHOP OF ALL OUR FINANCIAL SERVICE NEEDS
PHILEQUITY
5/12/2011 16RVCS JR TRULY RICH MAKER
We need these FINANCIAL SERVICE Companies to Execute Our 6 Steps to Financial Freedom & Complete our
Four Major Financial Needs…
Would you rather buy these needs as a CLIENT or get it as your own
BROKER and earn the commission yourself ?
Be a CLIENT
Be Broker Dealer of all Your Financial Needs & Start your own Business
Learn and Share More
MATERIALS
BPM
WHAT ARE YOUR OPTIONS?
5/12/2011 17RVCS JR TRULY RICH MAKER
As a CLIENT. Apply the concepts and learn more financial concepts for your family. Get your Financial Check Up for Free and define your Financial Strategies.
As a BROKER of financial services for your family and friends. Be a business partner by JOINing & OWNing. Joining Fee of 3700PHP* and OWN your Kaiser or Insurance Protection. Then Learn and Earn by SHARING . Will do your Financial Check Up and Financial Plan. Will coach you to become successful in your Business & Investing. Will train you to be your own Financial Adviser.
SHARE: Spread The Mission and Earn Your Commissions as a Broker. Be part of the Mission starting with yourself and your family…
Isn’t this exciting to pursue?
MATERIALS
BPM
5/12/2011 18RVCS JR TRULY RICH MAKER
YOU HAVE TWO OPTIONS :1. Shrink your dream to fit the size of your income2. Increase your income to fit the size of your dream!
– Challenge yourself to grow and make a change– We can help you get started into Mutual Fund Investments– We can help you earn additional income (using your spare time)– Define and Execute into Reality your Financial Plans to Achieve your
Goals!
Where can you see yourself5-10 years from now?
VISION without ACTION is DAYDREAMINGACTION without VISION is a NIGHTMARE
2
30
23
45
Children
Charity
Still Working
FinanciallyIndependent
Senior Citizen Survey(Philippine Statistics)
NOW…Let’s Put to ACTION our Knowledge & CREATE our PLAN towards FINANCIAL FREEDOM… Be part of the 2%
MATERIALS
BPM
5/12/2011 20RVCS JR TRULY RICH MAKER
Only 2% of Senior Citizens surveyed achieved Financial Independence. We are sure that we belong to the 2% when we retire… How about YOU?...
Fill Up Business Review Card. Tell us what you want to DO.
…..This should take less than 2 Minutes…
MATERIALS
BPM
It’s about DOING what YOU LEARNED!
5/12/2011 21RVCS JR TRULY RICH MAKER
5/12/2011 22
Business Review Card
DATE: ____|____|____
I AM INTERESTED IN…(PLEASE CHECK ONE)
STARTING A BUSINESS/CAREER IN IMG
LEARNING MORE ABOUT FINANCIAL SOLUTION FOR MY FAMILYBOTH 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____
NAME: SPOUSE:
ADDRESS: WORK PHONE:
EMAIL: CELLPHONE:
Pls Print Legibly Your Entries
Please Tell Me What You WANT?
Whether you want to Learn More or Do the Business our First Step is to Define your Personal Financial Strategies…
MATERIALS
BPM
5/12/2011 23RVCS JR TRULY RICH MAKER
WHAT’S NEXT?
Personal Financial Strategy
…. This should take less than 10 Minutes..We will prioritize CASH FLOW ANALYSIS and FINANCIAL GOALS SETTING. I will Illustrate to you How to Achieve your Financial Goals.
…. Will send through email other Financial Planning Forms so you can do it with your family/spouse…. Schedule Your FREE Financial Coaching Schedule NOW!!!
MATERIALS
BPM
Let’s DEFINE Your Personal Financial Strategy
5/12/2011 24RVCS JR TRULY RICH MAKER
Big Savings(FinancialGoals)
10xAnnualINCOME
Your age Now25-30-40-50? _____
How Long Will You Save?10-20-30 Yrs? _____ Age at Retirement
45, 50, 60, 65? _____
L1 is Kaiser 4:1 for 5 Years @20% of Monthly Income
Extra Income on L2 ** - Mutual Funds(PAMI- 10K, PhilEquity- 5K, FAMI- 5K Initial Plus 1K min investment@ 10, 15 and 20 yrs Investing… Higher Risk..Higher Returns
Your Financial Blueprint….
Target DoublesEvery 10 years due toInflation (7% ave.)
AGE
PhP
* Use Kaiser Pre-Computed for Guidance** Use Wealth Calculator..LET’S CALCULATE…
MATERIALS
BPM
5/12/2011 25RVCS JR TRULY RICH MAKER
Level 1 Kaiser @15 Yrs _______ @22 Yrs _______
Level 2 MF @10 Yrs _______ @15 Yrs _______ @20 Yrs _______
Plus addl If the funds paid for Kaiser L1 will be continued to L2. @10 Yrs _______
Note: This is for your Income Replacement & Healthcare only. Add also Investment Strategy for Protection, and Other Needs (HIDEE)
NAME:_______________________DATE: ______________
Benj SantiagoMay 27,2011
2520 45
10x15Kx12x4 = 7.2M
=20%@15K = 3K, Allocate 2081 L1 & 1K L2
176K
350K
1K/mo = 980K
2k/mo = 1026K
Total Projected Savings @ 20 Yrs = 2.3M
INVEST HARD EARNED MONEY ON L1..NO RISK..BUILD DISCIPLINE
INVEST EXTRA INCOME ON LEVEL 2..HIGHER RISK & NEEDS LITERACY
LEVEL 2
LEVEL 1
5/12/2011 26RVCS JR TRULY RICH MAKER
MATERIALS
BPM How Much Do You Need at Age 65?
Which of these is affordable & appropriate for your future?YOU decide....
[email protected]/12/201127
RVCS JR TRULY RICH MAKER
With Consistent & Disciplined Approach You can Create Your Millions
How much do you want to achieve for your future retirement?.... It depends on what you save NOW…
Most people FAIL to start saving, because they lack LITERACY & DISCIPLINE… and worse..They PROCRASTINATE…”Saka na lang”…. HOW ABOUT YOU?
No Savings
Big Savings(FinancialGoals)
10xAnnualINCOME
Your age Now22-30-40 Yrs?
How Long Will You Save?10-20-30 Yrs? Age at Retirement
50- 60-65?
20% of M.I. on L1 *- Kaiser 4:1 (Fixed Income Investments)
Extra Income on L2 ** - Mutual Funds(PAMI- 10K, PhilEquity- 5K, FAMI- 5K Higher Risk
What Do You Do If Your Investable Funds Aren’t Just
Enough….
INCREASE CASH FLOW…DO IMG BUSINESS…JOIN- 3700* Lifetime MembershipOWN- Decide Kaiser or CocolifeSHARE- 5FTS be Trainee Associate
T.A. = 10%Assoc. = 20%F.L. = 30%AMD = 40% MD = 50%
Target DoublesEvery 10 years due toInflation (7% ave.)
AGE
PhP
* Use Kaiser Pre-Computed for Guidance** Use Wealth Calculator..LET’S CALCULATE…
MATERIALS
BPM
5/12/2011 28RVCS JR TRULY RICH MAKER
Form 01 Statement of INCOME and EXPENSES
BUDGET ACTUAL EXPENSESMONTHLY INCOME
Income from job, business, etc.
Other income
TOTAL MONTHLY INCOME
Tithes (10%)
SAVINGS/INVESTMENTSLong-term Healthcare, Pension Plans, etc.
Mutual Funds, UITF, Stocks, etc.
Others
TOTAL SAVINGS
BASIC EXPENSESHousehold - food, groceries, etc.
Job-Related Expenses: meals, snacks, etc.
Electricity, Water, Cable TV
Landline & Mobile Phone, Internet
Transportation, car repair, gas, E-pass, etc
Medicine, food supplement, etc
Shoes, clothes, personal care, etc
Salaries for househelper, driver, etc
Others
EDUCATIONTuition, books, allowance, projects, etc
School Service
Others
DEBT/LOAN PAYMENTSHousing Loan
Car Loan
SSS/GSIS/PAG-IBIG Loans
Others
INSURANCE PAYMENTSLife Insurance, Healthcare, etc
Fire & Car Insurance, Business Insurance
Others
OPTIONAL EXPENSESTravels, dining out, movies, etc
Magazines, books, gifts, etc.
Others
TOTAL MONTHLY EXPENSES
TOTAL CASH FLOW
PROSPERITY FORMULA (PAY YOURSELF FIRST) = INCOME - TITHES (10%) - SAVINGS (20%) = EXPENSES (70%)
Live within the 70% of your income..If you are not able to save/invest 20% of your income, then you need to seek additional income stream
to increase your CASHFLOW!
MONTHLY EXPENSESRecord & review monthly income & expenses. Discipline yourself to live within your budget plan
INCREASE CASH FLOW!
@12%P per month
@4%P per month
1. Long-term Healthcare
2. Retirement Savings
3. College Education
Child 1: Age_______
Child 2: Age_______
Child 3: Age_______
Child 4: Age_______
4. Retire Wife Replace Wife's income
5. Support Parent's Healthcare
6. Pay Off Debts
7. Travels
8. House & Lot
9. Car
10. Others -
MONEY YOU NEED TO SAVE PER MONTH
Is your present income enough? Do you need to increase your cash flow?Vision without action is daydreaming. Action without vision is a nighmare!
DELTA (+/-)
KNOW HOW TO GET WHAT YOU WANTMONEY YOU NEED TO SAVE EACH MONTH
KNOW WHAT YOU WANT
Top 10 ReasonsBe Specific
MONEY YOU NEED
TIMEFRAME
EXISTING CASH FLOW
Can you achieve what you want with what you have now?
5/12/2011 29RVCS JR TRULY RICH MAKER
We’ll send you these forms via email….
Join and Own and Meet with our MD for Hiring Interview! We can do it NOW! Joining Fee is ONLY 130US$* * 3700Php (Phil.)
Let’s Fill Up the Forms… ACT NOW …Do Not Procrastinate…
Define your 5 FTS Schedule in 7 Days to Run your Business. List your first 5 Prospects. Earn while you Learn…
Attend Business Upstart School immediately. (Schedules for Outside Philippines TBD)
5/12/2011 30RVCS JR TRULY RICH MAKER
Lets START UP Your BUSINESS NOW!!!
MATERIALS
BPM
5/12/2011 31
NAME CELLPHONE # EMAIL FTS SCHED
MY TOP 5 REFERRALS(People Whom I’d Like to be My Business Partners)
Do FTS in 7 Days and Achieve 3:3:7!!!
(PLEASE PRINT LEGIBLY)
END OF PRESENTATION
MATERIALS
BPM
5/12/2011 32RVCS JR TRULY RICH MAKER
Back Up Materials
For ASSOCIATES USE ONLY
MATERIALS
BPM
5/12/2011 33RVCS JR TRULY RICH MAKER
INVEST in Mutual Funds
Corporate & [email protected]
Professional managementAccessible and AffordableDiversificationAsset AllocationLiquidityMoney Cost AveragingNet of taxTransparency
# OF SHARES
LONG-TERM
OWNERSHIP (with PhP5K min Initial Investment)
Money working hard for you . . .
5/12/201135
RVCS JR TRULY RICH MAKER
Types of Mutual Funds
1. BOND FUND A capital reservation-oriented mutual fund, which
invest solely in treasury bills & notes, high-grade commercial papers, and other interest bearing instruments.
0%
2%
4%
6%
8%
10%
12%
14%
10%
90%Government Securities
Commercial Papers & Cash accounts
*Past performance is not indicative of future results.
Note: This is not guaranteed by PDIC
2. EQUITY/STOCK FUNDA long-term, growth-oriented mutual fund invested in
blue-chip & growth companies (90%) and fixed-income securities (10%)
-10%
0%
10%
20%
30%
40%
50%
60%
70%
10%
90%Stocks
Fixed Income Securities
Types of Mutual Funds
3. BALANCED FUNDA mutual fund invested in a basket of blue-chip and
growth stocks (50%) and government securities & other fixed income securities (50%)
0%
5%
10%
15%
20%
25%
30%
50%
50% Stocks
Fixed Income Securities
*Past performance is not indicative of future results.
Note: This is not guaranteed by PDIC
Corporate & Government
Mutual FundsUnit Investment
Trust Fund (UITF)
Registered corporations Banks
Issues common shares
Issues units of participation
Managed by investment companies
Managed by the trust department of
banks
Subject to full disclosures
Not subject to full disclosures
Regulated by SEC Regulated by Bangko Sentral
OWNERSHIP vs LOANERSHIP
ACTUAL MUTUAL FUND
PERFORMANCE
5/12/2011 38RVCS JR TRULY RICH MAKER
StartRecord High
Record LowEnd
0
5
10
15
20
25
19951998
20012004
20072010
19951996199719981999200020012002200320042005200620072008200920102011
MATERIALS
BPM
PHILEQUITY
19951996
19971998
19992000
20012002
20032004
20052006
20072008
20092010
20110
5
10
15
20
25
End
# 1 in 201059% ROR
ACTUAL MUTUAL FUND
PERFORMANCE
5/12/2011 39RVCS JR TRULY RICH MAKER
MATERIALS
BPM
StartRecord High
Record LowEnd
0
100
200
300
400
500
600
19982001
20042007
2010
19981999200020012002200320042005200620072008200920102011
PAMI
19981999
20002001
20022003
20042005
20062007
20082009
20102011
0
100
200
300
400
500
600
End
ACTUAL MUTUAL FUND
PERFORMANCE
5/12/2011 40RVCS JR TRULY RICH MAKER
MATERIALS
BPM
YEAR END NAVPS
YEAR PEMI PAMI FAMI
19951.3402
19962.1213
19972.0109
19982.6144
122.627
19993.5512
140.53
20003.7927
119.31
20013.9041
114.69
20023.7032
109.02
20035.0201
142.97
20046.4474
176.39
20057.4299
203.18
200611.3127
291.19 1.6758
200713.3858
258.25 2.0085
20087.937
216.36 1.3983
200913.0997
318.9 2.1408
201020.1969
378.27 3.4961
201121.0601
385.89 3.5045
StartRecord High
Record LowEnd
0
0.5
1
1.5
2
2.5
20092010
2011
200920102011N
AVPS
FAMI # 1 in 201063.3% ROR
5/12/2011 41RVCS JR TRULY RICH MAKER
1. Long term health care that covers you beyond age 60
2. Income protection (Life insurance). Anything happens to you, the plan is considered paid
3. Investments (Mutual Funds). Nothing happens to you, you get your investment back with Interests
4. + You can use this as EMERGENCY FUND
For as LOW as 2081PhP/month You can have all these 4 needs and it can also be your entry to being Broker Dealer. Do J-O-S ….
LONG TERM HEALTHCARE
5/12/2011 42RVCS JR TRULY RICH MAKER
The surest way to develop the habit of investing for the long term…
5/12/2011 43RVCS JR TRULY RICH MAKER
5/12/2011 44RVCS JR TRULY RICH MAKER
MATERIALS
BPM How To Fill Up Agent’s Accreditation &
Membership Form?
NOTE: All Forms are serialized & can only be used for one person
5/12/2011 45RVCS JR TRULY RICH MAKER
MATERIALS
BPM How To Fill Up Kaiser Form?
NOTE: All Forms are serialized & can only be used for one person
[email protected]/12/201146
RVCS JR TRULY RICH MAKER
HOW TO PAY YOUR KAISER AND MUTUAL FUNDS
Item Product
Bank Payments/Deposits
Instructions METROBANK
(s/a)METROBANK
(Main c/a)BPI (Salcedo
c/a)CITIBANK
(Makati c/a)
BANCO DE ORO
(Tektite S/A)
UNIONBANK (Tektite S/A)
PSBank (s/a)
IMGKaiser, Mutual Funds
1733-1735-10552
send scanned copy of deposit slip to MD (Fely Santiago) and provide a breakdown of amount if for multiple products/items. Use reference Number the KAISRR Form Serial Number . See above slide
MUTUAL FUNDS
PHILAM ASSET MANAGEMENT, INC. (PAMI)
PHILAM BOND FUND, INC. 3771-00571-2 0-110059-019
When making deposits for the Mutual Fund accounts, use the payment slip (green colored slip). Indicate Name of the Fund and Investor Name/Account Number on the Confirmation Receipt. Send a scanned copy of the confirmation receipt to MD (Fely Santiago).
PHILAM DOLLAR BOND FUND, INC. 3774-00343-5 0-603372-026
PHILAM FUND, INC. 3771-00163-6 0-601130-009
PHILAM STRATEGIC GROWTH FUND, INC. 3771-00160-1 0-110073-003
GSIS MUTUAL FUND, INC. 7066-30870-3 3771-00864-9 0-602323-005
PHILAM MANAGED INCOME FUND, INC. 3771-00596-8 0-756220-004
PAMI GLOBAL BOND FUND PHILIPPINES., INC. 3774-00862-3 0-756282-026
[email protected]/12/201147
RVCS JR TRULY RICH MAKER
Item
Product- Account
Name
Bank Payments/Deposits
Instructions METROBANK (s/a)
METROBANK (Main c/a)
BPI (Salcedo c/a)
CITIBANK (Makati
c/a)BANCO DE ORO
(Tektite S/A)UNIONBANK (Tektite S/A) PSBank (s/a)
PHILEQUITY MANAGEMENT, INC. (PEMI)
PHILEQUITY FUND, INC. 343-0000-151 006-030-000-101 When making
deposits for the Mutual Fund accounts, use the payment slip (green colored slip). Indicate Name of the Fund and Investor Name/Account Number on the Confirmation Receipt. Send a scanned copy of the confirmation receipt to MD (Fely Santiago).
FIRST METRO ASSET MANAGEMENT, INC. (FAMI)
FIRST METRO SAVE & LEARN FIXED-INCOME FUND, INC. 016-3016-25146-2 025-332-000-225
FIRST METRO SAVE & LEARN EQUITY FUND, INC. 016-3016-25149-7 025-332-000-214
FIRST METRO SAVE & LEARN BALANCE FUND, INC. 016-3016-25791-6 025-332-000-430
HOW TO PAY YOUR KAISER AND MUTUAL FUNDS
CONTACTS:Email Inquiries for Kaiser: [email protected] MUTUAL FUNDS: Eric Menor ( CP- 09083802640) or Email : [email protected]
Example 1: How do you manage your spare time?
– a. Make more money– b. Waste money– c. Waste time
The way you manage your TIME & CASHFLOW can make you POOR or RICH!
Solution 1:
CHANGE the things you do in your spare time- Use it to EARN ADDITIONAL INCOME ! Don’t be BC
Example 2: How do you manage your salary?
a. Save some b. Spend all c. Spend before you
receive it?
Solution 2:
CHANGE your money habits… Reduce EXPENSES--- PAY YOURSELF FIRST. Don’t be BC!
B C B C
5/12/201148
RVCS JR TRULY RICH MAKER
It is not what you earn, it’s what you keep!...
What separates the rich from poor is their ability to acquire
ASSETS - generate money even you stop working
If you can not tell the difference between asset & liability, you may be setting yourself up for a life of financial trouble
INVEST on Assets Not Liabilities
How much investments do you need
in order to stop working:INCOME REPLACEMENT
FORMULA ANNUAL INCOME x 10 Monthly Income: 20,000 20,000 x 12 months =
240,000/year 240,000 x 10 = 2,400,000
MATERIALS
BPM
5/12/2011 49RVCS JR TRULY RICH MAKER
TRANSFORM Yourself to PASSIVE Income Earner…
Stage 1: Big Effort Less Income
Stage 2 Stage 3: Les Effort Big Income
BIG EFFORT
LESS EFFORTLESS INCOME
BIG INCOME
Effort = Income
DoctorOFW
Sales AgentSeamanLawyer
EngineerShowbiz
Money Working Hard for you
Interest IncomeMaturity Income
Rental PropertiesRoyalty Income
Business Franchise
ACTIVE Income 98% Passive Income 2%
Work Hard For Money
[email protected]/12/2011 50RVCS JR TRULY RICH MAKER
MATERIALS
BPM
So What Stage are you in? 1-2-3?Where Do You Want to Be?Do you Have a PLAN?
6%MD MD
MD makes 10 sales/mo= 200K/mo
200K/month x 6% (R.I.)
P12K/month x 12 months
P144K/year x 4 MDs
P576K/year
Living On Royalty Income
Royalty Income
Investment:Time & Effort
Passive Income should be greater than your monthly expense. Create Multiple Passive Income Streams through IMG . . .
At 0%P50K/yearx 100 yearsP5,000,000
At 10%P50K/yearx 25 yearsP5,000,000
P5,000,000 X 10%P500K/year
Living On Interest
Interest Income
Investment:Time & Money
1 unit = P2M
Rental = P12K/month x 12 months P144K/year
x 4 unitsP576K/year
Living On Rental
Rental Income
Investment:4 units x P2M = 8M
5/12/2011 52RVCS JR TRULY RICH MAKER
IMG System Builder – Outlet Building Business ModelIMG Business is FRANCHISING BUSINESS…
McDO - USA
Franchisee
RI = 5%
Outlet
31,000 + Outlets
47M customers/day
Profits = $9.7M/day
Franchise Fee = P20M–P40M
MDMD
RI = 6%
MDMD
Outlet
Marketing Share = 5%
5/12/2011 53RVCS JR TRULY RICH MAKER
54
J O S
FL30%
AMD40%
MD50%
Min 3 Associates
Min 9 Associates
F.L
3 F.L
9 F.L./3 AMD
20%Associate Field Leader
30%3 / 3 / 30
JUST RUN FAST START
3/3/30 TO BECOME MD CLUBGo for 30:30:90 to become MD
Train Trainers and Run theSystem to Build Builders
The FASTEST way to earn Royalty Income!
SCHOOL
UPSTART FAST-START SYSTEM
05/12/2011RVCS JR. TRULY RICH MAKER
MD FACTORY
5/12/2011 55RVCS JR TRULY RICH MAKER
MATERIALS
BPM FAST-START
PROMOTE YOURSELF
5/12/2011 56RVCS JR TRULY RICH MAKER
MATERIALS
BPM FAST-START
PROMOTE YOURSELF
YOU
THE IMGBUSINESS FORMAT SYSTEM
FLOW CHART
PROSPECTING
CONTACTING
BPMGroupOffice
BMP1-on-1Home
STARTUPINTERVIEW
JOIN
SALESPRESENTATION
CLIENTREFERRAL
YES
YES
YES
YES
NO
NO
NO
NO
NO
(The MONEY MACHINE)
MATERIALS
BPM
5/12/2011 57RVCS JR TRULY RICH MAKER
SCHOOL
UPSTART FAST-START SYSTEM
First Step: Prospect List+ Help person write down 50-100 names.+ This is not homework/ this is seat work, you do the prospect list book together
Second Step: Contact & Invite 3 People right away+ Chances are, the first 3 will be family members or close friends.+ If your guest can’t come to the next BPM, the trainee will go out to the field and see them right away together with the trainer.+ Use the FORM system to contact & invite. Invite without inviting.+ Remember: Telephone is only used to invite and not to present.+ A joint call with MD or trainer is recommended for the first time.
First WayLearn everything before you start.Wait for a miracle
Second WayBe coachable and follow every stepLearn- Invite- Field Training- Build
3/3/7 FAST START
2 Ways to Start…
05/12/201158RVCS JR. TRULY RICH MAKER
SCHOOL
UPSTART PROSPECTING
NATURAL MARKETCREATE A PROSPECT LIST
• Making a target market list should be a top priority of any new associate. • Make this list the start of an exciting business adventure . • From the list, you will build a business and potentially transform the lives of the people on it.
1. Add names, don’t eliminate them.2. Use the “Executive Memory Jogger”.3. Dissatisfied with job/ambitious to be wealthy.4. Use the prospect list book.5. Use the FORM & STEAM method.6. Use the MACHODA to identify the top 25 on your list.
Married/Age 25 & Up/Children/House owner/ Occupation is good/Dissatisfied with job/Ambitious
IMPORTANT KEYS TO DEVELOPING YOUR PROSPECT LIST:
05/12/2011 59RVCS JR. TRULY RICH MAKER
SCHOOL
UPSTART PROSPECTING
STEAM: A SYSTEM TO GET REFERRAL
Relationship marketing is key to your long-term success in IMG. All of the great builders inIMG have mastered the art of getting referrals from satisfied clients. Referrals will provide youwith an endless supply of prospects for recruiting and product sales.
You can also generate leads using the S.T.E.A.M. system.
Sample script for asking for referrals:Explain to your prospect that you are seeking a certain type of person. Tell them that when you say aword, they should give you names of people who pop up in their heads. You may have them giveyou names of people whom they think would be interested and for those they think would not.This is called the “STEAM” System. Each letter of “STEAM” represents one of the following words.
S = Sales. Who do you know that is a great salesperson? What did you buy lately? Who sales themselves well?T = Teacher. Who comes to your mind when I say teacher? School teachers (they often need summer jobs), Sunday school teachers or anyone who teaches well?E = Enthusiastic. Who is most enthusiastic person that you know? Someone who always seems positive and always has a great attitude about life?A = Ambitious. Who do you know that really wants to be a success, or is a success? The person who goes to bed the latest and gets up the earliest?M = Money motivated or needs more money. Has one of your friends been talking about needing extra money? Who just sent kids to college? 05/12/2011 60RVCS JR. TRULY RICH MAKER
SCHOOL
UPSTART
SCHOOL
UPSTART INVITING/CONTACTING
FRIENDSHIP FARMINGThe System on how to contact your warm & cold prospect.
There are four questions you can ask (in order) when casually talking with a strangeror visiting your friend.
This is called the FORM System. This system flows more naturallyif you prime the prospect first volunteering personal information about yourself.
For example, when waiting in a customer service lounge in an auto service center,you might say to other nearby patrons, “”I sure hope they finish my car soon.I’ve got to pick-up my son in school (name of school) in 30 minutes.Do you have kids in school too? Which school?”
F ORM
= How’s the family? How are the kids? Etc (warm market)= Stands for Family. You might ask him or her if they have kids, did they grow up here in town, etc/ (cold market)
= How is work? Got any increase of salary lately? (warm market)= Stands for Occupation. What does he or she do for a living. How long? Does he or she like his or her job? (cold market)
= What do you do on weekends? Shopping? Or any sports? (warm market)= Stands for Recreation. Perhaps you have a common recreational interest. (cold market)
= By the way, I want to show you something, can we see each other in your house 6PM? Or in my office (warm market)= Stands for Message. Tell the prospect what you do too. Get his or her name & contact number. (cold market)
05/12/2011 61RVCS JR. TRULY RICH MAKER
RVCS JR. TRULY RICH MAKER 62
SCHOOL
UPSTART
SCHOOL
UPSTART BPM
ROLE OF THE TRAINEE AT THE BPM
1. Dress properly. Let them see that this is a professional business.
2. Register guest(s). Treat them special.
3. Give guest(s) a tour of the office.
4. Introduce guest(s) to the BPM Speaker. Guest will develop a bond with speaker and speaker will have a friend during the meeting.
5. Introduce to everyone. Let your guest hear from other people.
6. After BPM, feed positive thoughts. “Did you learn something?” “ Do you want to know more?”
7. Have your guest fill out Business Review Card (BRC). This is seat work – not home work.
8. Set up an appointment within 24 to 48 hours with them. Don’t let them go home unless they fill up the BRC & set appointment with your MD (never leave without setting up the appointment).
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SCHOOL
UPSTART
SCHOOL
UPSTART
ROLE OF THE TRAINEE AT THE FIELD TRAINING (BMP)
1. Trainee gives a background of the prospect to the Trainer before going to the prospect’s place.
2. Introduce the presenter properly- ex. “This is Benj (Trainer) he is a very good friend, I brought him with me because I want him to share to you how he helped me and my family”.
3 Suggest the dining table for the presentation. It’s more comfortable & relaxing.
4. Minimize distraction – control the situation. If you have to baby sit the kids then baby sit the kids.
5. Keep quiet and learn. Take notes too, and observe the techniques & emphasis of Trainer.
6. Help give push at the end to close the sale.Trainee closes by asking him/her to join and recommending the product he/she already bought.
Trainer opens the pre-computed book.Trainer asks for information to fill up both IMG & Product application form (name, beneficiary).Trainer does the applicationTrainee continues the casual conversation.Trainer asks check or cash payment, or goes with client to the ATM machine.
05/12/2011 RVCS JR. TRULY RICH MAKER
RVCS JR. TRULY RICH MAKER 64
SCHOOL
UPSTART
BUILDING 2.0
New Business Model for the Financial Industry
As you look at the current industry, it is as outdated as dinosaurs. Their system did not change for almost 100 years. With managers and agents, bosses and employees, they can’t compete with the business-driven, independent entrepreneur.
The new builders are entrepreneurs, not employees. They wake up every day thinking how to grow their business while agents in the old system worry about fulfilling their quotas for their managers.
Builders also always look out for the best products in the marketplace for the clients. They don’t have to be captive to their employer’s company products.05/12/2011
SCHOOL
UPSTART BUILDING 2.0
The Integrity of Our System
1. We don’t make money recruiting people.
2. You don’t have to recruit to make money.
3. Everybody gets and equal opportunity. No qualification, no prejudgment.
4. We practice what we preach. JOIN: We believe
OWN: We Understand and DoSHARE: We recommend
Most of our markets are warm markets, that s our family, friends, acquaintances, people we work with, people we care about. This ensures that we have to do it right and do it with pride because we will continue to see them for the rest of our lives. We got what the industry doesn’t have, our “trusted relationship”.
05/12/2011 65RVCS JR. TRULY RICH MAKER
SCHOOL
UPSTART
BUILDING 2.0
Building is Simple…THE SYSTEM FLOW
MD TRAINEE
MD CLUB
MDFACTORYMD
1. MD TRAINEE: JOIN-OWN-SHAREPPL- > FTS-> Up Start Program-> BPM-BMP
2. MD Club: Do 3-3-30 Days to become MD Club3 Associates in 30 Days5 PFS/Field Training Sales in 7-30 Days
3. MD (Marketing Director): Build 3 MD Club Legs1M Production or 30:30:90 Days
4. MD Factory: Build MDs towards CEO and On-wards.
Build a Big OrganizationBuild TeamworkWeekly Office TrainingDaily Field Training
YOU
A B C
05/12/2011 66RVCS JR. TRULY RICH MAKER
SCHOOL
UPSTART
BUILDING 2.0
Work the System
First we Train the Trainer, and then Build the Builder
TRAIN THE TRAINER:
BMP: Bring the Meeting to the People. Follow the trainer to go out to observe and learn how to do the business.
BPM: Bring People to the Meeting. Get training a the office.
BUILD THE BUILDER:
Local Event: Weekly Team Meetings , Meetings in the locality. Continuing education.
Big Event: Seasonal big event attended by thousand all over the world. Expand our dream! Grow and explode your organization.
BMP BPM BIG EVENT
LOCALEVENT
Daily Field Training Weekly Office Training Build Teamwork Build a Big Organization
05/12/2011 67RVCS JR. TRULY RICH MAKER
RVCS JR. TRULY RICH MAKER 68
SCHOOL
UPSTART
BUILDING 2.0
Work the System
Gone are the days of the lonely salesperson. The future belongs to the trainer who can duplicate and builder who can build a large organization through teaching, training, and coaching. A system whereby recruiting never stops, field training never stops, promotion never stop, and cash flow never stops. You are in the business for yourself but not by yourself.
05/12/2011
SCHOOL
UPSTART
THE SIMPLE FOCUS
Ultimately, you must focus on 10-10-30 if you want to build it big.
This is the engine that will carry the base.
By doing 10-10, you normally help fast start 3-5 New Trainees as well as taproot and put your organization on the move
3-3-30 NEW RECRUIT /SLOW START
5-5-30 PART TIMERS/ MEDIUM SPEED
10-10-30 FULL TIMERS/ FAST STARTERS
05/12/2011 69RVCS JR. TRULY RICH MAKER
RVCS JR. TRULY RICH MAKER 70
SCHOOL
UPSTART
THE SIMPLE FOCUS 1. Set Goals. Write down your goals. Define your Top 10 Reasons why you want to Win in this Business.
2. Be emotionally disciplined and prepared.Be positive.Avoid negative people,the bench sitters and the naysayers.
3. Be determined to win.
“How do you get about changing the world?” First, you need to believe in yourself. Don’t waver. There will be people who will belittle and insult you and even hurt you… but just hang on the Mission of Business…
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SCHOOL
UPSTART
THE PRINCIPLE OF GIVING IMG SYSTEM PROMOTES THE PRINCIPLE OF GIVING…
1. When we Join the company, we give up the commission to our first product to the person who introduced us to the company.
2. When we start as Trainee Associate, we give up one half of our commission to our Trainer. We Learn and Earn as a Trainee Associate and we Match-Up with the Trainer.
3. When we refer our friends to other Trainers, we give up ½ of our commission. But ½ is better than nothing.
4. When we get promoted to Marketing Director, we give up to our Up-line MD our Strongest Leg. This is our way of saying “Thank You” to our MD.
“When you give, you open yourself up for an outpouring of blessings into your
life…”05/12/2011 RVCS JR. TRULY RICH MAKER
X
Caltex
IsuzuMcdo
Jollibee Mercury
IMG—3/F, King’s Court Bldg 1, Chino Roces Ave., corner Dela Rosa St., Makati.
To Don Bosco
To Taft Ave./ LRT
MATERIALS
BPM
5/12/2011 72RVCS JR TRULY RICH MAKER
X
David’s Tea House
BDOMercury
Waltermart BPI Dasma
IMG—3/F, Veluz Frances Plaza, Gen. Aguinaldo Highway, cor Guevarra St., Dasma,Cavite.
Petron
To La Salle Dasm
a
To D
asm
a Ba
yan
To Imus To Tagaytay
7-11
MATERIALS
BPM
5/12/2011 73RVCS JR TRULY RICH MAKER
Business Review CardDATE: ____|____|____
NAME: SPOUSE:
WORK PHONE:
EMAIL: CELLPHONE:
ADDRESS:
APPOINTMENT: __|HOME __|IMG OFFICE (INDICATE AVAILABILITY)NUMBER __|MON __|TUE __|WED __|THU __|FRI __|SAT __|SUN DATE: ____________________ INVITED BY: ________________________________ TIME: ___________________ TRAINER: _________________________________
I AM INTERESTED IN…(PLEASE CHECK ONE)
STARTING A BUSINESS/CAREER IN IMGLEARNING MORE ABOUT FINANCIAL SOLUTION FOR MY FAMILY
BOTH OF THE ABOVE
BPM____ S1-S2____ PPL____ FTS____ JOIN____ OWN____
Business Review CardDATE: ____|____|____
NAME: SPOUSE:
WORK PHONE:
EMAIL: CELLPHONE:
ADDRESS:
APPOINTMENT: __|HOME __|IMG OFFICE (INDICATE AVAILABILITY)NUMBER __|MON __|TUE __|WED __|THU __|FRI __|SAT __|SUN DATE: ____________________ INVITED BY: ________________________________ TIME: ___________________ TRAINER: _________________________________
I AM INTERESTED IN…(PLEASE CHECK ONE)
STARTING A BUSINESS/CAREER IN IMGLEARNING MORE ABOUT FINANCIAL SOLUTION FOR MY FAMILY
BOTH OF THE ABOVE
BPM____ S1-S2____ PPL____ FTS____ JOIN____ OWN____
Business Review CardDATE: ____|____|____
NAME: SPOUSE:
WORK PHONE:
EMAIL: CELLPHONE:
ADDRESS:
APPOINTMENT: __|HOME __|IMG OFFICE (INDICATE AVAILABILITY)NUMBER __|MON __|TUE __|WED __|THU __|FRI __|SAT __|SUN DATE: ____________________ INVITED BY: ________________________________ TIME: ___________________ TRAINER: _________________________________
I AM INTERESTED IN…(PLEASE CHECK ONE)
STARTING A BUSINESS/CAREER IN IMGLEARNING MORE ABOUT FINANCIAL SOLUTION FOR MY FAMILY
BOTH OF THE ABOVE
BPM____ S1-S2____ PPL____ FTS____ JOIN____ OWN____
NAME: SPOUSE:
WORK PHONE:
EMAIL: CELLPHONE:
ADDRESS:
APPOINTMENT: __|HOME __|IMG OFFICE (INDICATE AVAILABILITY)NUMBER __|MON __|TUE __|WED __|THU __|FRI __|SAT __|SUN DATE: ____________________ INVITED BY: ________________________________ TIME: ___________________ TRAINER: _________________________________
Business Review CardDATE: ____|____|____
I AM INTERESTED IN…(PLEASE CHECK ONE)
STARTING A BUSINESS/CAREER IN IMGLEARNING MORE ABOUT FINANCIAL SOLUTION FOR MY FAMILY
BOTH OF THE ABOVE
BPM____ S1-S2____ PPL____ FTS____ JOIN____ OWN____
NAME CELLPHONE # EMAIL FTS SCHED
MY TOP 5 REFERRALS(People Whom I’d Like to be My Business Partners)
NAME CELLPHONE # EMAIL FTS SCHED
MY TOP 5 REFERRALS(People Whom I’d Like to be My Business Partners)
NAME CELLPHONE # EMAIL FTS SCHED
MY TOP 5 REFERRALS(People Whom I’d Like to be My Business Partners)
NAME CELLPHONE # EMAIL FTS SCHED
MY TOP 5 REFERRALS(People Whom I’d Like to be My Business Partners)
Do FTS in 7 Days and Achieve 3:3:7!!!
Do FTS in 7 Days and Achieve 3:3:7!!!
Do FTS in 7 Days and Achieve 3:3:7!!!
Do FTS in 7 Days and Achieve 3:3:7!!!
Benjie Santiago(0920) 902 1217Email: [email protected] [email protected]
Fely Santiago
(0920) 961 3126
Email: [email protected]
MATERIALS
BPM
5/12/2011 76RVCS JR TRULY RICH MAKER
5/12/2011 77RVCS JR TRULY RICH MAKER