Bpm (short version)

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


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


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


http://www.img-corp.com/

This is IMG’s Mission…To make families achieve Financial Security….


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)

[email protected]

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


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

[email protected]

Poverty Formula

Prosperity Formula

MATERIALS

BPM


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

[email protected]

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

[email protected]

[email protected]

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


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


ONE STOP SHOP OF ALL OUR FINANCIAL SERVICE NEEDS

PHILEQUITY


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?


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


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

[email protected]

2

30

23

45

Children

Charity

Still Working

FinanciallyIndependent

Senior Citizen Survey(Philippine Statistics)

[email protected]

NOW…Let’s Put to ACTION our Knowledge & CREATE our PLAN towards FINANCIAL FREEDOM… Be part of the 2%

MATERIALS

BPM


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 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


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



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


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


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


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


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?


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)


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


Back Up Materials

For ASSOCIATES USE ONLY

MATERIALS

BPM


INVEST in Mutual Funds

Corporate & [email protected]

Professional managementAccessible and AffordableDiversificationAsset AllocationLiquidityMoney Cost AveragingNet of taxTransparency

[email protected]

# OF SHARES

LONG-TERM

OWNERSHIP (with PhP5K min Initial Investment)

Money working hard for you . . .

5/12/201135


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

[email protected]

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

[email protected]

OWNERSHIP vs LOANERSHIP

ACTUAL MUTUAL FUND

PERFORMANCE


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


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


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

[email protected]


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


The surest way to develop the habit of investing for the long term…



MATERIALS

BPM How To Fill Up Agent’s Accreditation &

Membership Form?

NOTE: All Forms are serialized & can only be used for one person


MATERIALS

BPM How To Fill Up Kaiser Form?

NOTE: All Forms are serialized & can only be used for one person



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



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]

mailto:[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!

[email protected]

B C B C

5/12/201148


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

[email protected]

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


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

[email protected]


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%

[email protected]


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


MATERIALS

BPM FAST-START

PROMOTE YOURSELF


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


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)


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


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”.


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


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



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



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…

05/12/2011

71

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


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


Business Review CardDATE: ____|____|____

NAME: SPOUSE:

WORK PHONE:

EMAIL: CELLPHONE:

ADDRESS:



STARTING A BUSINESS/CAREER IN IMGLEARNING MORE ABOUT FINANCIAL SOLUTION FOR MY FAMILY

BOTH OF THE ABOVE



NAME: SPOUSE:

WORK PHONE:

EMAIL: CELLPHONE:

ADDRESS:




BOTH OF THE ABOVE



NAME: SPOUSE:

WORK PHONE:

EMAIL: CELLPHONE:

ADDRESS:




BOTH OF THE ABOVE


NAME: SPOUSE:

WORK PHONE:

EMAIL: CELLPHONE:

ADDRESS:





BOTH OF THE ABOVE














Benjie Santiago(0920) 902 1217Email: [email protected] [email protected]

Fely Santiago

(0920) 961 3126

Email: [email protected]

Or [email protected]

MATERIALS

BPM





Bpm (short version)

Documents