How To Break The Debt Cycle

Many People are struggling Because of DEBTS! Maraming Tambak sa Utang! It has been worsened by the current PANDEMIC! Nawalan pa ng Kita...

But there is HOPE. For me and Fely , Our Resurrection from DEBT Started With Bro Bo Sanchez Truly Rich Coaching Seminar where we were introduced to IMG! We Learned How to Managed our Debts by Managing Our Cash Flow and Eliminating our Dead Assets. Now we are mentoring people all over the world! We had been transformed by IMG as the DEBT DESTROYERS!

We Need Mentoring :

How To Get Out of Our Debt Trap?

How Do We Prepare for Retirement?

How Do we Invest Correctly?

Are you also looking for Mentoring? Naghahanap ba kayo ng Solusyon? It's your LUCKY Day! You can have it for FREE! 

Check here to see the many benefits of becoming an IMG Member. 
https://6020hf.imgcorp.com

Just Click REGISTER HERE FOR THE FREE ON LINE WEBINAR OF THE DEBT DESTROYER BENJ SANTIAGO 

richbenj.santiago@gmail.com

Let me know if you need assistance

in getting into your Webinar Room.

EMAIL ACCOUNT: richbenj.santiago@gmail.com

FINANCIAL EDUCATION

There are many smart, good, hardworking people of different Profession, who retires with a mountain of debts. They still struggle in their senior years without proper healthcare and income. I had met many teachers, seafarers, OFWs who had worked for more than 20 years and still struggle after retirement. The main problem is FINANCIAL EDUCATION!

That is why, I am so blessed to have met IMG (International Marketing Group) in Bro Bo's Truly Rich Coaching Seminar which I attended in 2007! Not only did I LEARNED How to Manage My Debts, and Invest Correctly! I also enjoyed perks, and privileges of IMG. 

MEMBERSHIP

https://6020hf.imgcorp.com/

I had been transformed by IMG. And there are many others who had been able to get out of debts, invest correctly, and even have a Business Opportunity that generates more than 1M every seven weeks for us today!

I really am so grateful to Bro Bo Sanchez, as I was able to get out of our 7-Figure Credit Card Debts, Invest Correctly and enable us to create success and significance to our own family and other families and friends! 

NOW, it is your TURN! 

http://8874hf.trulyrichmakers.com/investingcorrectly/

REGISTER NOW

Be Financially FREE!

PS: You may want to contact me at 0920-902-1217 or Email me your queries at richbenj.santiago@gmail.com

 I will be very happy to Mentor you How to Manage Your Debts and Invest Correctly!

How To Face Up With Financial Adversities

Most People Are Financially Struggling!
Baon sa UTANG.

But

I Can Teach You

How To Face Up With Adversities.

FREE ON LINE FINANCIAL COACHING
CLICK THIS

http://8874hf.trulyrichmakers.com/investingcorrectly/

Let me know if you need assistance 
in getting into your Webinar Room.

EMAIL ACCOUNT: richbenj.santiago@gmail.com

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

Bo Sanchez Introduction of Fely and Benj Santiago

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

I want you to always be prepared for any adversity. We have the solutions. I want you to build the SOLID FINANCIAL FOUNDATION. With the right information and discipline, you can really rise from debts like we did. It is also our PURPOSE … our MISSION to HELP you get out of DEBTS.

What Can I Offer You? …

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

You can experience this too... You can retire and have lots 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.

Imagine your children and grand children so happy to see you all the time. You have interest income coming from your very profitable investments that can fund all your retirement needs. You have money for your favourite social and civil organizations and you can continually support your church with your tithes and offerings. You had been a wise investor that you can leave inheritance to your children’s children

Let Me Tell You My Story…

Benj and Fely Santiago: Engineers turned Investors and Entrepreneurs

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

Fely and I lost a lot of opportunity due to our lack of know-how in investing in the tune of more than 100M Php! Yes, you read it right…we lost a 100 Million Peso Opportunity in investing. Because 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. 

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

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

Benj and Fely Santiago with Rex Mendoza (Leftmost)

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

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

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

KEY BENEFITS YOU WILL GAIN

* You will receive a total guide and personal coaching on the “How To Face Up With Financial Adversities. You will learn How to Increase Your Cash Flow, Manage Your Debts, and Build a Solid Financial Foundation.

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

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

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

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

    WHAT PEOPLE SAY ABOUT OUR PROGRAM

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

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

SO HOW MUCH WILL IT COST YOU?

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

But that’s not necessary, because it is part of our mission to help people save and invest correctly. Call  or Text me at 0920-902-1217 or email me at richbenj.santiago@gmail.com NOW!!! You may attend our LIVE ON LINE SEMINARS. Just PM me or message me.

BONUS! BONUS! BONUS!

Check here to see the many benefits of becoming an IMG Member. You may even win an iPad Mini:

https://6020h.30m2030.com

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

Call me NOW to set up your appointment! Send me an eMail NOW at richbenj.santiago@gmail.com Better yet, call me at 0920-902-1217… I would guarantee you a response within 24 hours no matter where I am… Just tell me I want to “Be Financially Free”… You may register for our our FREE ON LINE COACHING http://8874hf.trulyrichmakers.com/investingcorrectly/

See you soon!

God bless you,

Benjie and Fely Santiago

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

Benj Santiago with Bro Bo Sanchez on European Marian Pilgrimage

Benj and Fely Santiago in Sydney Hillsong Conference 2013

There is Life After Debts!

Are  You Struggling From Pay Check to Pay Check?

Does Your Salary Disappear Faster than

 How Fast You Earn?

Do You Want To Have A Life After Debts?

This is your redemption time! Your chance to be liberated from the debt chain is HERE! CLICK this to REGISTER: http://8874hf.trulyrichmakers.com/investingcorrectly/

Hi! My name is Benj , and I am the DEBT DESTROYER!

I was once wallowing in the quagmire of debts! Sa madaling salita "BAON SA UTANG!"  I look for mentoring through seminars and I was blessed to attend Bro Bo Sanchez Coaching Seminar where we encountered IMG!

In that seminar, we encountered IMG and it became the starting point of our JOURNEY to FINANCIAL FREEDOM! We Joined the company and enjoyed Amazing Benefits that allowed us to Manage Our Debts, Increase Our Cash Flow, and Gain Amazing Results in Investments. And what is more amazing is that it allowed us to EARN Additional Cash Flow! 

In just about 3 Years, we were able to Rise from Debts! Now , I am enjoying FINANCIAL FREEDOM!

If you want to be Mentored REGISTER HERE. http://8874hf.trulyrichmakers.com/investingcorrectly/ Or you can send me a message at 0920-902-1217 or email at richbenj.santiago@gmail.com  or fely.santiago@gmail.com .

Check here to see the many benefits of becoming an IMG Member. You may even win an iPad Mini:
https://6020h.30m2030.com

Let me know if you need assistance 

in getting into your Webinar Room.

EMAIL ACCOUNT: richbenj.santiago@gmail.com

How Do We Rise From DEBTS?

What We Thought as A Disaster

Turned Out To Be 

Our Turning Point!

We Became the DEBT DESTROYERS.

Do You Want To Rise From Debt Too?

Attend our FREE Financial Coaching Session.

REGISTER HERE.

http://8874hf.trulyrichmakers.com/investingcorrectly/

Let me know if you need assistance 

in getting into your Webinar Room.

EMAIL ACCOUNT: richbenj.santiago@gmail.com

Check here to see the many benefits of becoming an IMG Member. You may even win an iPad Mini:
https://6020h.30m2030.com

Let me Tell You Our Story:

Fely and I are both engineers by profession. She is an industrial engineer while I am a licensed mechanical engineer. We both worked for multinational companies as senior managers. I had spent more than 25 years of my life in the corporate world and planned to retire from the company where I was working. But despite the fact that Fely and I both earned quite well in our respective jobs,we had chronic financial problems.

We earned well but we spent even better! While we also invested in real properties as well as local and US stocks, they turned out to be liabilities because we didn’t have the proper investment guidance and were not founded on a purpose and a plan. Instead of putting money into our pockets, our investments took money away from us and further strained our cash flow.

Our finances were in shambles and we were heavily in debt. We lived from paycheck to paycheck. Worse, we didn’t take any action since we believed our income from our jobs was a steady stream. Reality hit us head-on one day when Fely was identified to be retired from her job. The monthly income that we relied on to pay for our expenses, liabilities and debts was reduced by almost half.

We were faced with seven-figure debts and our monthly cash-flow was insufficient. What made things worse was that majority of our debts were on credit cards that ballooned with interest. We were in financial and emotional distress. I had sleepless nights, while Fely developed hypertension. We were caught unprepared and uneducated in financial matters.

But God provided us a way out. We frantically searched for financial literacy seminars and books to prepare us for the inevitable. We read books by Bo Sanchez and Robert Kiyosaki, among many others. We attended Bo’s financial coaching seminar. There we encountered IMG-International Marketing Group! It totally broke our poor mindset and financial ignorance. Finally, we made the decision to embark on our journey towards financial freedom and put into action what we had learned.

When we were retired in 2008 and 2009 , one after the other,  we thought this was our greatest Career Disaster. But, God has bigger plans for us. What we thought as our downfall became our Turning Point! With our focus and determination to succeed, we were able to pay off our Bad Debts and was able to recover our lost income!

Now ...We are doing this Mission teaching people how to be Debt Destroyers too.

Come and Join us in our Financial Coaching Seminars and get a copy of our book DEBT DESTROYERS that details How We Got Into Mountain of Debts and How We Finally Destroy Them!!

The Key Actions you will know are: How to Increase Your Cash Flow: Increase Income and Reduction of Expenses, How To Manage Your Debts, and How To Prepare For Retirement with Financial Freedom! All these and more I was able to Learn and Do in IMG.

Published by Bro Bo Sanchez Kerygma.Books

Contact us now at 0920-902-1217 (Benj) for your schedule. You can eMail me at richbenj.santiago@gmail.com to set up a one on one appointment for Debt Management Strategies. 

Investing Made Easy for Seafarers

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

They usually, have healthcare only when on-board. Some even have coverage for their extended families. Some don’t. They don’t get paid when they are not on-board or under training. In fact, 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 a seafarer 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 30, with just 3,000Php/Month which they easily can save and invest, they could accumulate 10.3M Php by the time they turn 60. They can happily retire with financial freedom with more than 1M/Year Interest Earning from their investment.

I am calling all SEAFARERS, Join me in my FREE ON LINE WEBINARS so you can Learn How to Invest Correctly and achieve your Financial Goals. Register HERE NOW: http://8874hf.trulyrichmakers.com/investingcorrectly/ 

Let me know if you need assistance 

in getting into your Webinar Room.

EMAIL ACCOUNT: richbenj.santiago@gmail.com

Check here to see the many benefits of becoming an IMG Member. You may even win an iPad Mini:

https://6020h.30m2030.com

Investing Strategy for "Retireables"

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

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

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

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

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

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

So the solution rest on properly investing the retirement pay, managing the debts, and creating a business that can generate a passive income. By simply investing a total of 9,700/Month at age 51, you can accumulate 7.2M by the time you turn 70. This can generate for you at least 30K/month in passive income from Investment Returns (assuming a 12% Annual Return). This sum, plus the retirement Fund you invested, plus the monthly pension, can definitely provide you with a financially free retirement.

I can guide you through this. Get yourself REGISTERED on FREE ON LINE COACHING: 

http://8874hf.trulyrichmakers.com/investingretirees/ 

Check here to see the many benefits of becoming an IMG Member. 
https://6020h.30m2030.com

Let me know if you need assistance in getting into your Webinar Room.

EMAIL ACCOUNT: richbenj.santiago@gmail.com

FREE Financial Education

A lot of People Are "Baon sa Utang" Because They Lack Financial Education. Nawalan pa ng kita dahil sa LOCKDOWN.

People resort to getting into debts to pay another debt. This puts them deeper into financial difficulties. And this result to deeper and wider problem in the family and the society.

This is why IMG is committed to providing FREE Financial Education to all who wants to change their situation. We, the members of IMG is on a  Worldwide Campaign to Financially Educate Filipinos on all aspects of finance to help families achieve Financial Freedom!

I invite you to JOIN me on our FREE ON LINE WEBINARS o you LEARN HOW TO FACE UP with FINANCIAL CHALLENGES.

Check here to see the many benefits of becoming an IMG Member. You may even win an iPad Mini:
https://6020h.30m2030.com

Register HERE: http://8874hf.trulyrichmakers.com/investingcorrectly/

Let me know if you need assistance in getting into your Webinar Room.

EMAIL ACCOUNT: richbenj.santiago@gmail.com

Come and Register NOW  at 0920-902-1217 or email at richbenj.santiago@gmail.com for more details.

Or Simply CLICK this LINK to REGISTER: 

http://8874hf.trulyrichmakers.com/investingcorrectly/

Merong Pag-Asa!

#DebtDestroyers