Tuesday, April 23, 2013

Matin and Malvin Leano: First TRM CEO SMD







From: bo sanchez
Date: Wed, Apr 24, 2013 at 2:11 AM
Subject: Re: Fw: LET US ALL CONGRATULATE THE NEWEST CEO- MARKETING DIRECTOR OF IMG
To: Fely Santiago



Congratulations to Matin and Malvin!
Congratulations to Benj and Fely!
Wow, this is a great blessing from God.
I share in your joy!
Keep blessing the world...


Fely Santiago

 to bo, bcc: me


Dear Bro Bo,

Would like to share this GREAT NEWS to you! We have a new CEO-SMD in our team -- Malvin & Matin Leano..They are also the Sub-Ministry Head of the Feast PICC Financial Mentoring Ministry!

GOD IS SUPER GREAT!! Indeed Bro Alvin is correct with what he said last Sunday at the Feast "When you achieve your dreams, it will help others achieve their dreams, too.." Matin & Matin is following our footsteps in IMG...We have a DUPLICATE.

As you know Malvin & Matin are just high school graduates working as Production Operators before IMG earning less than 20K per month! We never imagined they can be GREAT TRAINERS and Financial Educators! Now they are CEO!! And earning 6-figure income already..

We owe this a lot to you -- our financial and spiritual MENTOR! You are indeed heaven-sent.

Thank you so much for being our inspiration to serve others. Thank you for helping us dream BIG DREAMS and believing we can achieve it! GOD IS AMAZING! TO HIM BE THE GLORY!!

God bless you MORE Bro Bo!!!

Benj*Fely




From: IMG Corp
Subject: LET US ALL CONGRATULATE THE NEWEST CEO- MARKETING DIRECTOR OF IMG
To: "FELY SANTIAGO"
Date: Tuesday, 23 April, 2013, 4:40 AM

They have lived to their commitment at the Singapore Convention....


CONGRATULATIONS 
TO THE NEWLY PROMOTED 
CEO-SENIOR MARKETING DIRECTOR

CHRISTINNE & MALVIN LEAÑO
IMG MAKATI
UPLINE CEO : FELY & BENJIE SANTIAGO


Job well done!!! All your hard-work paid off. IMG is celebrating with you.

And If they were able to do it, you also can do it... Who will be the next??? 37 more are running and have given their words. Let us all support them so they will also achieve their goals...

Go go go !!!

Monday, April 22, 2013

Discover IMG VIP Treatment Challenge!!!


Attn: MDs and Above 


To be recognized as one of IMG's best of the best at the gala night celebration, you have to get promoted to or be an MD or higher during the contest period. Then you and your guest can receive the very exclusive VIP PASS. With this challenge you can commit to taking your business to the next level as you strive to accomplish your run for the most important positions in IMG - MD and up position

Contest Dates: 
The contest kicked off on February 18 and runs through June 8, 2013.

Qualifications: 
To qualify you must be in one of these promotions listed below and be registered to attend Convention by June 8, 2013.

Newly Promoted MD
Newly Promoted SMD
Newly Promoted EMD
Newly Promoted CEO
Newly Promoted EVC
New Dollar Ring Earner


Or

Have 30/30 in 90 days (baseshop points)

REWARDS

VIP Pass for the qualifier and a registered guest and experience these exclusive privileges:

Car pick up service from Makati or Manila area to the Gala venue or if you're not from this area you will receive budget of P400 cash


Red carpet reception exclusive for the qualifiers

Early access to the venue (both at the gala and conference) you get the chance to choose your seat in the designated area for VIPs


Enjoy exclusive cocktails


Chance to meet and greet with the stars - you will have your convenient moment for photo op with the stars and to mingle with US leadership while celebrating success at this most memorable Gala awards night


Let this be your Starting Point to Greater Success. Go. Go. Go!!!


Disclaimer: In order to qualify for participation in contests, and to receive prizes and awards, an associate must have an active membership in and be in good standing with IMG

IMG Convention Challenge


GO GO GO TRULY RICH MAKERS!! WE ARE THE CHAMPIONS!!! BE PART OF THIS!!!

Attn : ASSOCIATES AND KEY LEADERS



Recognition of our Big achievers and IMG's Best of the Best is always one of the most anticipated part of our Annual Convention of Champions. And IMG always makes sure we celebrate the successes and outstanding performances reached in the past year of our Champions during the Gala Awards Celebration.


For the TOP PERFORMERS and MVP awards, points to be counted in this contest will be up to May 15, 2013 productions. To qualify you must be in one of the categories listed below and be registered to attend Convention by May 15, 2013. So If you are one of the FRONT RUNNERS put your efforts in overdrive, help more families so your name will be included in our lists. Bring out the best in your business and team through this friendly competition with your peers- and have something AMAZING to celebrate at the convention.
Categories


Top MDs by personal and base-shop recruits and sales
Top SMDs and EMDs by base-shop thru MD 1st productions
Top CEOs and up by base-shop thru MD 6th productions

The best of our leaders in the different parts of the Globe will also be recognized so International coded we have something for you also!


To add more excitement to our new achievers this convention, for MD Recognition and up they will also be recognized during our GALA Awards Night on June 22, 2013 !!! 

So get to be congratulated in the most glamorous way... in your best gown and suit and get photographed with the big Celebrities and guests. You surely wouldn't want to miss this opportunity!!! To be included in this recognition make sure you have finished your run after the Singapore convention (Feb 18 on-wards) or will finish by June 8, 2013. 

Plaque Requests must be in latest June 8 and awardees must have registered for the convention by June 8 also. Strictly NO EXTENSION as we are already giving you the maximum 2 weeks lead-time to be able to order the plaques.


Let's all make this celebration night the most exciting, the most amazing... 

Go! Go! Go!!!

Tuesday, April 16, 2013

Monday, April 15, 2013

How Do You Process A Car Loan or Car Insurance When Abroad?


How do we process a request for Car Insurance, and a Car Loan if you are abroad?

Car Insurance for Standard Insurance or other providers and a Car Loan from our bank Union Bank.

When you are abroad or an IMG member is abroad this is what you do: Just follow this simple instructions:

For Car Insurance: Just need to request quote for car insurance. Email copy of his OR/CR and request for quote through IMG International (international@img-corp.com)

For Union Bank Car Loan:  Fill up attached application form and submit to IMG International together with the requirements
--
...fely
Executive Vice Chairman
Truly Rich Makers - IMG
Smart: 0920 9613126
Globe: 0917 5000905
Sun: 0923 8848658

IMG Vision: To Build and Provide the Best Business Opportunity in the World
IMG Mission: To Make a Difference and Help Create Wealth for Families. No Family Left Behind
IMG: The Total Financial Solution

"Help us spread the IMG Mission and make more Filipinos TRULY RICH!!!"
UNION Bank Auto Loan Credit Application Forms.xlsUNION Bank Auto Loan Credit Application Forms.xls
91K   View   Open as a Google spreadsheet   Download  

Sunday, April 14, 2013

Mutual Funds And Or Real Estate?


This is a Repost from a Blog of MutualFundsPH that is so good I like to share with you.


This will help in your decision which investment vehicle to ride on...


Mutual funds vs Real estate

written by MutualFundsPH on March 9, 2013 in Blog with no comments
Real estate is another favorite investment vehicle for Filipinos. Rental properties such as condominium units, apartments, townhouses, office spaces, etc. are excellent investments. Raw land also offer market appreciation. But how does real estate compare to mutual funds?
There are pros and cons for both. If you think you should only invest in real estate, consider the advantages of mutual funds that might convince you diversify your investments.

Difference No. 1: Liquidity

  • Real estate is obviously not a liquid asset. It takes time to sell real estate properties.
  • Mutual funds are a lot more liquid. Although most have holding periods of six months, you can pull out your money prior to that for a small redemption fee.
Winner: Mutual funds

Difference No. 2: Leverage

  • You can leverage real estate, i.e. you can borrow money to acquire properties. For example you can just make a 20% down payment for a Php1,000,000 property (cash out of only Php200,000). If you sell the property after 30 days for, say Php1,100,000. How much did you earn? Php100,000. What’s your return on investment (ROI)? 10%? Wrong. It’s actually 50% (or 600% if you annualize the gain). Why? Because you only shelled out Php200,000 and made Php100,000.
  • You cannot leverage mutual funds. If you buy shares in a mutal fund for Php1,000,000 and its value increased to Php1,100,000 after 30 days, what’s your ROI if you sell your shares? 10% (or 120% if you annualize the gain).
Winner: Real estate

Difference No. 3: Management

  • Real estate requires active management. You have to get your hands dirty buying, managing, and selling real estate. It’s a lot of work.
  • Mutual funds are professionally handled by fund managers who make investment decisions on your behalf. And it’s very easy to buy and sell shares of mutual funds. If you don’t have time to manage your investments, mutual funds are ideal.
Winner: Mutual funds

Difference No. 4: Control

  • You have greater control over your real estate investment since you’re actively involved. You can fix up a property to increase its market value, raise your rent, kick out errant tenants, etc.
  • You have no control over your mutual fund investment since it’s the fund manager who makes all the investment decisions. You do have voting rights as a shareholder, but you don’t have much influence.
Winner: Real estate

Difference No. 5: Returns

  • It’s hard to find historical data on real estate price and rental appreciation, but numbers thrown around are in the 8%-10% per year range. Rental yields increase by single digits. However, if you invest in foreclosures or buy in a hot property market, you can earn much better returns. And if you earn both rental income and enjoy market appreciation, while using leverage, that’s a powerful combination.
  • Returns for mutual funds vary also, depending on the type of fund and the ability of the fund manager. But generally, bond funds generate around 8% average returns while stock funds earn 15%-20% average returns over 10 years.
Winner: Mutual funds in general, but real estate if you really know what you’re doing

Difference No. 6: Risks

  • Real estate can be risky. There are many factors like interest rates, inflation, political stability, migration, natural calamities, etc. that affect the prices and rents of real estate. You may also have to contend with fake titles, depreciation, problem tenants, squatters, corrupt government employees, and your own inexperience or incompetence.
  • Mutual funds can also be risky. Interest rates, inflation, political stability, etc. also affect the prices of the stocks and bonds that your mutual fund owns. And not all fund managers can consistently generate good returns. But there are far fewer risks than real estate.
Winner: Mutual funds

Difference No. 7: Flexibility

  • You have a lot of flexibility with real estate. You can hold it, rent it, flip it, fix it, and borrow against it. There are many ways to finance your purchase and many ways to generate income from it.
  • The only flexibility you have with mutual funds is to manage your portfolio of funds by rebalancing them such that you keep the same proportion that you want (e.g. 60% in stocks, 30% in bonds, and 10% in foreign-denominated balanced funds).
Winner: Real estate

Difference No. 8: Capital

  • You have to pay 10% to 20% down payment to buy real estate. You can borrow the down payment of course and there are ways to purchase property directly from a seller that doesn’t involve making a down payment, but generally you need more capital to get started than with mutual funds.
  • You can invest in mutual funds for as little as Php5,000 to Php10,000, and just Php1,000 for additional shares thereafter.

Difference No. 9: Price

  • In real estate, you make real money when you buy a property below its market value, like a foreclosure or a pre-selling project. You have a lot more room to negotiate when you buy and sell.
  • You buy shares in a mutual funds for the same net asset value (NAV) per share, which is what would be left if the fund sells off all its assets and pays off all its liabilities. So you can’t get a discount when you buy or sell at premium when you sell.
Winner: Real estate

Difference No. 10: Diversification

  • If you have Php100,000, you can use that as down payment for a property or buy raw land. But you need to raise more capital to buy another property…and another. And by sticking to just real estate, your risk exposure is highly concentrated in the property sector.
  • If you have Php100,000, you can buy a single mutual fund, and you’re well-diversified with dozens of bonds and/or stocks, including property stocks. You can invest in bonds and funds of other countries as well. In fact, Php5,000 already gives you instant diversification.
Winner: Mutual funds

Difference No. 11: Taxes

  • You pay capital gains tax when you sell real estate. You pay VAT, documentary stamps tax, transfer tax, and registration fee when you buy real estate. You pay realty tax while you own real estate. You pay either a percentage tax or VAT for rental income.
  • When you sell your mutual fund shares, your income is exempt from capital gains tax so they’re tax-free.
Winner: Mutual funds

Difference No. 12: Time

  • Investing in real estate is time consuming. You have to do research, site visits, appraisals, negotiations, documents processing, etc. And that’s just when you buy. It takes a lot of time as well to manage a property and to sell it.
  • Investing in mutual funds is quick and easy. Just figure out your investment objectives and risk appetite, and then pick a mutual fund or two that can match what you want. Just fill out a few forms and give out a check or make a deposit. That’s it. When you sell, just fill out another form and you can get your money usually on the same day.
Winner: Mutual funds
So which is better — real estate or mutual funds? The answer is it should not be an either-or choice. It’s good if you have both mutual funds and real estate in your portfolio.
But if you’re a beginning investor with limited funds or limited time, or both, it’s best to start with mutual funds.

Wednesday, April 10, 2013

Passion Driven IMG Missionary


Last week we have shared the need to have clarity in our VISION and MISSION in IMG. The MISSION is the WHY: PURPOSE, or Calling or Vocation. The VISION is WHAT: Destination or End Result. Today I would like to focus on PASSION , or a compelling feeling ... the DRIVE, the FUEL! The Compelling Reason for you to do your best to become successful in your IMG Mission.

Here is what Wikipedia defines  Passion:

Passion
Emotion
Passion is a term applied to a very strong feeling about a person or thing. Passion is an intense emotion compelling feeling, enthusiasm, or desire for something. Wikipedia
Passion (from the Latin verb patī meaning to suffer)
That is why when we are clear to what our Purpose, and we are Driven  to do what our purpose is, we can be successful in whatever endeavor we will do. Pastor Rick Warren has written a best selling book entitled "Purpose Driven Life". In summary EVC Fely say that the lesson she got from that book is that "we need to find the purpose for which God has created us. Each one of us is created for a purpose and we need to live by that purpose so we can be happy." 

When anyone joins our company, I always explain the content of the Kit. One very important part if the kit is our Trainers Manual. In the very first page of that Manual I make sure I give the new recruit the assignment to define why they would want to be successful in our business. In our Team Meetings, we ask the first time attendees to share what they see as their vision of the company, and or how big a business they see with IMG. Anyway we do it, it goes back to the basic question of what is our PURPOSE of Joining IMG and what will be our compelling reason to do it. 

In IMG business we cannot be big if we do not recruit and make a sale. We do not accomplish our mission if we have not helped any family save and invest and give them opportunity of a lifetime. We therefore need to make a sale and should be able to recruit. The problem is most of have FEAR of Selling and Recruiting. Instead of the positive feeling of enthusiasm and desire we cower in fear. 

Yesterday I chanced upon a meeting of a group of people involved in "network marketing". The guy that sat next to us did not lose any time to introduce his product and what he does. He is so fired up to make a recruit and make a sale. He so believed in his products and what he does.  He has no fear, he has a great desire and feels good of what he does. I just told myself , "sayang ang galing niya, sana sa IMG na lang siya" ...but Fely said, let him be, for that is where he found his passion. Everyone must find his passion. And removing fear  that blocks us to see our mission and be passionate about it hinders us.



How do we remove the fear and be passionate in our mission? We got to learn How To Make A Sale Without Selling: "It' not about making a sale. It's all about how you feel about what you do."- Xuan Nguyen p. 257-260 System Builder Book.



This is really amazing. If we get this lesson today, we will be unstoppable and we can really be big and great in our IMG mission. We have to overhaul first how we feel about what we do. Passion is all about feelings. An intense feeling.  

Let me tell you my story... I had been recruited in this mission and business by my wife. Husbands, I believe you will agree me that the best recruiter for the husbands are the wife, but the husband will find difficulty recruiting their wives. Right? I see some heads nodding... Well when I was recruited in the business, I had all the fears, and the shame that goes with it. I cannot even say the three letters IMG if some people ask me what I do. I am afraid to introduce our company, and what I do. I don't feel good and comfortable selling and recruiting. I know there is nothing wrong about recruiting and selling for that is really what big business is all about, but I just did not had that fire and passion. However, due to the meetings, training  conventions, I have gone through I find myself slowly but surely erasing the feeling of fear and shame which is being replaced with pride and great feeling of doing something good for others. The more I feel great about what I do, the more successful I become in the mission. The more I become successful in the mission the more I become successful in my IMG business. I believe I have mastered my feelings and beliefs that I do have same if not even more passion than the guy that sat beside us yesterday! I learned and applied the Four Elements in Making A Sale (Even without Trying...)

There are Four Elements in Making A Sale: 

1. Feel Good about Yourself. This is the very first element. I know that now everyone will believe you or trust you when you begin your career in this business. Not everyone will give you their approval. The family and friends we thought would believe us instead rejects us. That is really devastating and kills a lot of those who have just started up. 

Xuan's own story in p258 : "Many times I secretly wished that I failed. There was a part of me that thought that it would just be easier to take a No than go on. I hoped that when I got to people's homes, they would tell me that. "I'm busy. I can't see you." I would feel good if they told me that. " I can go home now," I'd say to myself. "They're busy. It's not my fault." No wonder many people didn't buy from me."

And he continued: "But once in a while, when I felt strongly about what I did, when I was fired up after attending a great meeting, people bought from me and joined me." Xuan realized that what held him back has nothing to do with the product or the people he talked to but he was worrying too much about what the other people will tell o thought about him. 

Xuan finished his point by saying: "I woke up to the fact that I don't just make a sale. I change people's lives. I help people take care of their families. I vowed to myself never to sell to people unless I felt strongly about my contribution". He added at the end "From then on I went out in the field with pride. I knew that I was going to affect every family I talked to. Selling became less painful and less fearful. In fact. I began to like it. Now, I love to talk to people. I love to share with them what I know. And that has made all the difference."


I, and I believe all of us experienced same. Let me tell you my own story: I almost gave up due to rejections.  But as I look back, it is not because  of what others think or feel . I got their rejection because of what I feel within me. It is how I feel about what I do. Deep within me, I had fears and already anticipated rejection. So that is what I got. But the more I feel good of what I do, the more I am there not for me but for the people I talk to, the more I close the sale and recruit people to the business. And guess what became my secret weapon? I feel good on what I do because I do what I do for God! I find this post in my email today which put it into one liner:



April 10, 2013

Dear Benj,
Quit trying to please people. Live to win my approval because that’s what really matters.
Shine,


God

P.S. Benj, believe me, you won’t die if others don’t approve of you.
(Bro Bo Sanchez's GodWhispers)



2. Feel Good About Your Company And Your Product: Feeling good about yourself in what you do is also anchored in believing in your company and your product. Your confidence and your pride about your company and your product will show on how you make your presentations and sharing to people you meet. 


In the beginning of my IMG career, I cannot say the word Recruit, and Sell. Because this is almost saying "Networking". Networking has been given a very negative connotation by the many scams that had happened in the past created a bad image about it. Networking for most people are synonymous to Pyramiding. That is why I did not feel good about our company in the beginning for I too believed that I am in the business of "pyramiding". But all these has changed as I understand the concepts and the business model we have. How great the companies we represent and how wonderful our compensation scheme is. Moreover, I really fell in love and feel so proud about our company when I hear the stories of our great leaders and members who believed in the company. One such guy who believed in our company is Bro Bo Sanchez. He is the one who introduced us to IMG but only after many months did it really sunk in to my brain and heart that IMG is really a great company. Bro Bo mentioned in one of his blog, that he took exception of our company among Multi Level Marketing-MLM companies. He emphasized that IMG has a semblance of MLM in its structure, but he believed in what IMG do.

3. Make A Simple Presentation: Our goal is to keep our presentation simple that people would understand the concepts, services and products that we have. In my presentation, I use story telling, much like sharing in simple terms what the concepts has done to my financial life and what the benefits and goodness the products and services I had received. "What matters is how much they understand." - Xuan Nguyen p. 259.


4. Let Them Make the Decision: " A few years into the business, one night, all of a sudden, I got enlightened. I figured out the secret of closing a sale. The real secret of making a sale; there is no secret."



"People Make up their own minds.
> Those people who want to buy--they will buy
> Those people who don't want to buy--no matter what-- they won't buy.

After that realization, every night when I went out in the field and talked to people, I knew whether or not a client wanted to buy. My sixth sense told me that the person who wants to buy will give me a check and the person who doesn't won't.

So if you want to have a great closing ratio, sell only to the person who wants to buy. And if the person doesn't want to buy, don't sell to him.

"You don't make a sale. 
You share important information that 
may help change people's lives."

Action Required:

1. Do a self reflection. What feelings does accompany you when you go out to the field? Fear or Pride? Do you feel good about yourself, your company and your services? 

 If you still have fears, you need to attend more training and meetings and convention to mold your mind set. Get coaching from your mentors.

2. Review your BPM Materials and how you do the presentation. Make it simple enough that a 10 year old could grasp what you are sharing. Do you convey feelings and emoitions in your sharing?

Is your Personal Financial Strategy well understood and gives hope and dreams to people you talk to? 

3. Review with your MD/Trainers your closing techniques. Is the presentation more for your benefit or the person you are talking to? 

4. Read System Builder Book p257-260

Tuesday, April 2, 2013

BoClubs Post on 3 Levels of Investing....




Investing is always tied up with a Goal...and therefore there are different vehicles appropriate for each goal. 

In my investment experience I did three levels of investing.
The Level 1 investing is to develop my discipline or habit of investing. Our very first task really in investing is not to master the fundamental and technical analysis and find the best investment vehicle to achieve high returns. What we simply need to do is find a coach and develop the habit of investing. Invest therefore on what will make sure you succeed.







The Level 2 I have is the Indirect way of Investing in Stocks. This is through Mutual Funds. We allow our money to be pooled "bakas bakas" with many other investors and we allow an expert (Fund Manager) to manage our investments. This will allow us to be diversified with even just minimal amount of investment. Moreso, it allows us play it like the "big boys" through our fund manager. Because we no longer represent just the small amount that we personally invested but we are represented by the total pooled investment which is more significant and really would have impact on total investment in a company the fund manager choose to invest in. 

The 3rd Level is Direct Stocks Investing which I consider is the highest risk and thus requires a closer coaching and monitoring. My favorite broker for this is COLFinancials as they really do come out with guides and newsletters and training and coaching so we can achieve the best returns for our hard earned money that we invest.


As in our own experience, it is exciting to jump into level 3. But, I strongly suggest we do it the proper way... Check out financial planning books on how to do Solid Financial Planning... If you want I can also show you how.... check out www.mentorfely.trulyrichclub.com

God bless us all...


Benj and Fel


PS: This is my blog posted on BoCLubs.com


Fely and Benj Sharing their Mission