Bpm (short version)

BPM
MATERIAL
S

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 JR TRULY RICH Charts....
5/12/2011 RVCS your Flip MAKER 1

BPM
MATERIAL
S

Welcome to being Truly Rich!

More than 25 Years in USA/Canada &
14 Years in the Philippines ...
5/12/2011 RVCS JR TRULY RICH MAKER 2

BPM
MATERIAL
S

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

BPM
MATERIAL
S

WHO WE ARE

http://www.img-corp.com
Is an independent marketing company
whose associates, through its affiliated
companies, offer a broad array of
financial services and products

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

We need to Increase our Income …

Or, Reduce our Expenses
We cannot afford to miss
Most people are indebted.
any of these 6 Steps…
We must work out elimination of debts
Next step is to create emergency Funds & we have to know how
This will help us avoid debt traps to plan for it…. Agree?
Before we build our wealth…
We need protection for assets and life
Get out of debt first before you invest Investments
Invest safely and correctly should….
Finally, we need to prepare how to …
transfer inheritance to our children


Senior Citizen Survey
(Philippine Statistics)

2
23 Children

Charity
45
Still Working

Financially
Independent
30
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
imguae.support@gmail.com

BPM How Do We
MATERIAL
S
Create Our Plan?
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
The X-Curve Big Savings
Big RESP.
Concept (Financial
Goals)
 Food REALITY CHECK:  Food
 Shelter
What is actually happening when we grow old?
 Clothing
 Shelter
 Clothing
 Education Does Money Line go up or down? Health
 Health 
Does Responsibility Line go down or  Debt-Free
 Debt/Loan up?
We really need to know how to increase our Money Line…
INCOME (ACTIVE)
We the money know how fast money doubles… (PASSIVE)You
You work hard for
need to INCOME
Money Working Hard for
Just like going to Baguio, there are many vehicles to ride…
No Savings LIFE
In investing , it’s the same… No RESP.

YOUNG DIE TOO SOON So how fast does money double? . OLDER
LIVE TOO LONG
PROTECT your family Protect Yourself
(Instant Money/Insurance) (Investments)
Income replacement Living on Interests

HOW DO WE MAKE MONEY WORK FOR US?
RULE OF 72 (LXXII)
Dividing the number 72 by the interest rate of your savings or investments
will give the estimated number of years it will take for your money to double
72 ÷ 4 = 18 72 ÷ 8 = 9 72 ÷ 12 = 6
Money doubles every 18 years Money doubles every 9 years Money doubles every 6 years

Age 4% Age 8% Age 12%

But where do most people save and invest100,000
29 Php 100,000 29 Php 100,000 29 Php
their Php 400,000 38 often200,000not, people
47
65 money? More Php 400,000 41
Php 200,000
47 Php than 35 Php 200,000
Php 400,000
invest in less than 1% Php 800,000 47 Phpat
56 and borrow money 800,000
more than 12%. 65 Php 1,600,000 53 Php 1,600,000
Worst , most people don't
59 Php 3,200,000
have money to invest at all. We needPhp 6,400,000
4X 65 to learn
how to Pay Yourself First!… and then harness
the power of Compounding Interest to Grow
16X
our Money Line ….

BPM Where do we SQUEEZE OUT the
MATERIAL
Money to INVEST?
S

New Formula: Pay Yourself First
• Problem:
Life
Most people want to save but ExpensesBudget
INCOME style Debts

don’t know how…most people
know only how to spend… Income – Expenses = Savings
Poverty Formula
 Change the living formula
 Pay God and yourself first!
At the beginning of the God Expenses+
Savings
Life
month, before you pay anyone else INCOME Budget
(10%) (20%)
(70%) style
Give your 10% tithes, then write a
check to yourself for 20% of your
income. Income–Tithes-Savings = Expenses
 Discipline yourself to live below Prosperity Formula
your budget
With this, we can fund our Complete Financial Plans….

Money Takes Time To Grow

Target Required Required Yearly
Retirement Age Age Now Saving Period
Retirement Monthly Savings 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
Interest 5 Years 10 Years 20 Years 30 Years
Savings
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


Four MAJOR NEEDS to COMPLETE Your Financial Plans :
OPTION KAISER 4:1

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? 13
KAISER PREMIUM HEALTH BUILDER
For as low as 2081 /month will provide Total Solution.. A Four in One Product!

BPM
MATERIAL FEEDBACK...
S

• 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?....


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
Would you rather buy these needs
Companies to or get it as your ownto
as a CLIENT Execute Our 6 Steps
Financial and earn the commission
BROKER Freedom & Complete our
5/12/2011 Four Major JR TRULY RICH MAKER
RVCS Financial Needs…
yourself ? 16

BPM
MATERIAL
S

WHAT ARE YOUR OPTIONS?

 Be a CLIENT
 Be Broker Dealer of all Your
Financial Needs & Start your own
Business
Learn and Share More


BPM
MATERIAL
S
 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…
5/12/2011 Isn’t this exciting MAKERpursue?
RVCS JR TRULY RICH to 18

Where can you see yourself
5-10 years from now?

YOU HAVE TWO OPTIONS :
1. Shrink your dream to fit the size of your income
2. 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!

VISION without ACTION is DAYDREAMING
ACTION without VISION is a NIGHTMARE

BPM
MATERIAL
Senior Citizen Survey
S (Philippine Statistics)
2
23 Children

Charity
45
Still Working

Financially
Independent
30
Only 2% of Senior Citizens
surveyed achieved
NOW…Let’s Put to ACTION our
Financial Independence.
Knowledge & CREATE our PLAN We are sure that we belong
towards FINANCIAL FREEDOM… to the 2% when we retire…
Be 5/12/2011 of the 2%
part RVCS JR TRULY RICH MAKER
How about YOU?... 20

BPM
MATERIAL
S
It’s about DOING what YOU LEARNED!

Fill Up Business Review Card. Tell
us what you want to DO.
…..This should take less than 2 Minutes…


Business Review Card
DATE: ____|____|____

NAME: SPOUSE:

ADDRESS: WORK PHONE:
Pls Print Legibly
Your Entries
EMAIL: CELLPHONE:

I AM INTERESTED IN…(PLEASE CHECK ONE)
STARTING A BUSINESS/CAREER IN IMG
LEARNING MORE ABOUT FINANCIAL SOLUTION Tell Me
Please
FOR MY FAMILY What You WANT?

BOTH 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____
5/12/2011 22

BPM
MATERIAL
S

WHAT’S NEXT?

Whether you want to Learn More or Do
the Business our First Step is to Define
your Personal Financial Strategies…


BPM
MATERIAL
S

Let’s DEFINE Your Personal Financial Strategy

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!!!

BPM Your Financial
MATERIAL
S Blueprint….
10xAnnual
NAME:_______________________
Benj Santiago INCOME
May 27,2011
DATE: ______________ Note: This is for your Income Replacement &
Healthcare only. Add also Investment Strategy 10x15Kx12x4
176K
Level 1 Kaiser @15 Yrs _______
for Protection, and Other Needs (HIDEE) = 7.2M
350K
@22 Yrs _______
Big Savings
Level 2 MF @10 Yrs _______ (Financial
PhP @15 Yrs _______ Goals)
@20 Yrs _______ 980K
1K/mo = Target Doubles
Every 10 years
Plus addl If the funds paid
due to
for Kaiser L1 will be
Inflation
continued to L2. (7% ave.)
@10 Yrs _______ 1026K
2k/mo =
Total Projected Savings @ 20 Yrs = 2.3M Extra Income on L2 ** - Mutual Funds
LEVEL 2 INVEST EXTRA INCOME ON
(PAMI- 10K, PhilEquity- 5K, FAMI- 5K Initial
LEVEL 2..HIGHER RISK & Plus 1K min investment@ 10, 15 and 20 yrs
NEEDS LITERACY
Investing… Higher Risk..Higher Returns

LEVEL 1 INVEST HARD EARNED MONEY ON L1.. L1 is Kaiser 4:1 for 5 Years =20%@15K = 3K,
NO RISK..BUILD DISCIPLINE @20% of Monthly Income Allocate 2081 L1 & 1K L2

AGE
How Long Will You Save?
10-20-30 Yrs? _____ Age at Retirement
Your age Now 25 20 45
* Use Kaiser Pre-Computed for Guidance
45, 50, 60, 65? _____
25-30-40-50? _____ ** Use Wealth Calculator..LET’S CALCULATE…
5/12/2011 25
RVCS JR TRULY RICH MAKER

BPM How Much Do
MATERIAL You Need at Age 65?
S

Which of these is affordable &
appropriate for your future?
YOU decide....


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? 27
5/12/2011 RVCS JR TRULY RICH MAKER imguae.support@gmail.com

BPM What Do You Do If Your
MATERIAL Investable Funds Aren’t Just
S Enough….
10xAnnual
PhP INCREASE CASH FLOW… INCOME
DO IMG BUSINESS…
Big Savings
JOIN- 3700* Lifetime Membership (Financial
OWN- Decide Kaiser or Cocolife Goals)
SHARE- 5FTS be Trainee Associate Target Doubles
Every 10 years
T.A. = 10% due to
Assoc. = 20% Inflation
(7% ave.)
F.L. = 30%
AMD = 40%
MD = 50%
Extra Income on L2 ** - Mutual Funds
No Savings (PAMI- 10K, PhilEquity- 5K, FAMI- 5K Higher Risk

20% of M.I. on L1 *- Kaiser 4:1 (Fixed Income Investments)
AGE
How Long Will You Save?
Your age Now 10-20-30 Yrs? Age at Retirement
22-30-40 Yrs? * Use Kaiser Pre-Computed for Guidance 50- 60-65?
** Use Wealth Calculator..LET’S CALCULATE…
5/12/2011 28
RVCS JR TRULY RICH MAKER

Form 01 Statement of INCOME and EXPENSES KNOW WHAT MONEY TIME KNOW HOW TO GET
Record & review monthly income & expenses. Discipline yourself to live within your budget plan
MONTHLY EXPENSES BUDGET ACTUAL EXPENSES
YOU WANT YOU FRAME WHAT YOU WANT
MONEY YOU NEED TO
MONTHLY INCOME NEED SAVE EACH MONTH
Income from job, business, etc. Top 10 Reasons
Other income @12% @4%
Be Specific
TOTAL MONTHLY INCOME P per month P per month
Tithes (10%)
1. Long-term Healthcare
SAVINGS/INVESTMENTS
Long-term Healthcare, Pension Plans, etc.
Mutual Funds, UITF, Stocks, etc. 2. Retirement Savings
Others
TOTAL SAVINGS
3. College Education
BASIC EXPENSES
Household - food, groceries, etc. Child 1: Age_______
Job-Related Expenses: meals, snacks, etc.
Electricity, Water, Cable TV Child 2: Age_______
Landline & Mobile Phone, Internet Child 3: Age_______

We’ll send you these forms via email….
Transportation, car repair, gas, E-pass, etc
Medicine, food supplement, etc Child 4: Age_______
Shoes, clothes, personal care, etc 4. Retire Wife
Salaries for househelper, driver, etc Replace Wife's income
Others
EDUCATION 5. Support Parent's
Tuition, books, allowance, projects, etc Healthcare
School Service
Others
6. Pay Off Debts
DEBT/LOAN PAYMENTS
Housing Loan
Car Loan
SSS/GSIS/PAG-IBIG Loans
7. Travels
Others
INSURANCE PAYMENTS 8. House & Lot
Life Insurance, Healthcare, etc
Fire & Car Insurance, Business Insurance
Others 9. Car
OPTIONAL EXPENSES
Travels, dining out, movies, etc
Magazines, books, gifts, etc.
10. Others -
Others

TOTAL MONTHLY EXPENSES MONEY YOU NEED TO SAVE PER MONTH
TOTAL CASH FLOW EXISTING CASH FLOW
INCREASE CASH FLOW! DELTA (+/-)
PROSPERITY FORMULA (PAY YOURSELF FIRST) = INCOME - TITHES (10%) - SAVINGS (20%) = EXPENSES (70%)
Live within the 70% of your income.. Can you achieve what you want with what you have now?
If you are not able to save/invest 20% of your income, then you need to seek additional income stream
Is your present income enough? Do you need to increase your cash flow?
to increase your CASHFLOW!
Vision without action is daydreaming. Action without vision is a nighmare!

BPM
MATERIAL
S
Lets START UP Your BUSINESS NOW!!!
 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
5/12/2011 RVCS JR TBD)
for Outside Philippines TRULY RICH MAKER 30

MY TOP 5 REFERRALS
(People Whom I’d Like to be My Business Partners)

(PLEASE PRINT LEGIBLY)
NAME CELLPHONE # EMAIL FTS SCHED

Do FTS in 7 Days and Achieve 3:3:7!!!

5/12/2011 31

BPM
MATERIAL
S

END OF
PRESENTATION

BPM
MATERIAL
S

Back Up Materials
For ASSOCIATES
USE ONLY

INVEST in Mutual Funds

Professional management
Accessible and Affordable
Diversification
Asset Allocation
Liquidity
Money Cost Averaging
Net of tax
Transparency

Corporate & Government

35
5/12/2011 RVCS JR TRULY RICH MAKER

*Past performance is not indicative of future results.
Types of Mutual Funds Note: This is not guaranteed by PDIC

1. BOND FUND 2. EQUITY/STOCK FUND
A capital reservation-oriented mutual fund, which A long-term, growth-oriented mutual fund invested in
invest solely in treasury bills & notes, high- blue-chip & growth companies (90%) and fixed-
grade commercial papers, and other interest income securities (10%)
bearing instruments.
Fixed Income Securities
Commercial Papers & Cash accounts
10%
10%
90%
Stocks
Government Securities
90%

14% 70%

12% 60%

10% 50%

8% 40%

6% 30%
4% 20%
2% 10%
0% 0%
-10%
94

96

98

00

02

04
94

96

98

00

02

04

19

19

19

20

20

20
19

19

19

20

20

20


Types of Mutual Funds *Past performance is not indicative of future results.
Note: This is not guaranteed by PDIC

3. BALANCED FUND
A mutual fund invested in a basket of blue-chip and Unit Investment
growth stocks (50%) and government securities & Mutual Funds Trust Fund
other fixed income securities (50%) (UITF)

Fixed Income Securities Registered
50% Banks
corporations

Issues common Issues units of
shares participation
50% Stocks Managed by Managed by the
investment trust department of
30%
companies banks
25%
20% Corporate & Government Subject to full Not subject to full
15%
disclosures disclosures
10%
Regulated by
5% Regulated by SEC
Bangko Sentral
0%

OWNERSHIP vs LOANERSHIP
94

96

98

00

02

04
19

19

19

20

20

20


BPM ACTUAL MUTUAL
MATERIAL
FUND
S
PERFORMANCE
25
PHILEQUITY # 1 in 2010
1995
59% ROR 1996
25
1997 20

1998
20 1999
2000
15 Start
2001
15
2002 Record High
2003
10 10 Record Low
2004
2010
2007 2005
End
2004 2006
5
2001 2007 5
1998 2008
0
1995 2009
2010
0
2011
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011

BPM ACTUAL MUTUAL
MATERIAL
FUND
S
PERFORMANCE
600
PAMI

600
500 1998
1999
500 2000
400 2001
400 2002
Start 2003
300
Record High 300 2004
Record Low 2005
End 200 2010 2006
200
2008 2007
2006
100 2004 2008
2002 2009
100
2000
0 2010
1998
2011

0
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011


BPM ACTUAL MUTUAL
MATERIAL
FUND
S
PERFORMANCE
YEAR END NAVPS
FAMI # 1 in 2010 YEAR PEMI PAMI FAMI
63.3% ROR 1.3402
1995
2.1213
2.5 1996
2.0109
1997
2.6144
2 1998 122.627
3.5512
1999 140.53
3.7927
1.5 2000 119.31
NAVPS

2009 3.9041
2001 114.69
1 2010 3.7032
2002 109.02
2011 5.0201
2003 142.97
0.5 6.4474
2004 176.39
2011 7.4299
2005 203.18
0 2010 11.3127
2009 2006 291.19 1.6758
Start
Record 13.3858
Record 2007 258.25 2.0085
High End
Low 7.937
2008 216.36 1.3983
13.0997
2009 318.9 2.1408
20.1969
2010 378.27 3.4961
21.0601
2011 385.89 3.5045


LONG TERM HEALTHCARE

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 ….

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

BPM How To Fill Up Agent’s
MATERIAL Accreditation & Membership
Form?
S
NOTE: All Forms are serialized &
can only be used for one person


BPM How To Fill Up Kaiser Form?
MATERIAL
S

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

HOW TO PAY YOUR KAISER AND MUTUAL
FUNDS
Bank Payments/Deposits
BANCO DE UNION
ORO BANK
METROBANK METROBANK BPI (Salcedo CITIBANK (Tektite (Tektit PSBank
Item Product (s/a) (Main c/a) c/a) (Makati c/a) S/A) e S/A) (s/a) Instructions
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
Kaiser, Mutual 1733-1735- KAISRR Form Serial Number
IMG Funds 10552 . See above slide
MUTUAL FUNDS
PHILAM ASSET
MANAGEMENT, PHILAM BOND
INC. (PAMI) FUND, INC. 3771-00571-2 0-110059-019
PHILAM DOLLAR
BOND FUND, INC. 3774-00343-5 0-603372-026 When making deposits for
PHILAM FUND, the Mutual Fund accounts,
INC. 3771-00163-6 0-601130-009 use the payment slip (green
PHILAM STRATEGIC colored slip). Indicate Name
GROWTH FUND, of the Fund and Investor
INC. 3771-00160-1 0-110073-003 Name/Account Number on
GSIS MUTUAL the Confirmation Receipt.
FUND, INC. 7066-30870-3 3771-00864-9 0-602323-005 Send a scanned copy of the
PHILAM MANAGED confirmation receipt to MD
INCOME FUND, (Fely Santiago).
INC. 3771-00596-8 0-756220-004
PAMI GLOBAL
BOND FUND
PHILIPPINES., INC. 3774-00862-3 0-756282-026
46

HOW TO PAY YOUR KAISER AND MUTUAL
FUNDS
Bank Payments/Deposits
METRO
Product- BANK BPI CITIBANK
Account (Main (Salced (Makati BANCO DE ORO UNIONBANK
Item Name METROBANK (s/a) c/a) o c/a) c/a) (Tektite S/A) (Tektite S/A) PSBank (s/a) Instructions

PHILEQUITY
MANAGEMENT, PHILEQUITY When making
INC. (PEMI) FUND, INC. 343-0000-151 006-030-000-101 deposits for the
FIRST METRO Mutual Fund
FIRST METRO SAVE & LEARN accounts, use the
ASSET FIXED- payment slip (green
MANAGEMENT, INCOME colored slip).
INC. (FAMI) FUND, INC. 016-3016-25146-2 025-332-000-225 Indicate Name of the
Fund and Investor
Name/Account
FIRST METRO
Number on the
SAVE & LEARN
Confirmation
EQUITY FUND,
Receipt. Send a
INC. 016-3016-25149-7 025-332-000-214
scanned copy of the
confirmation receipt
FIRST METRO to MD (Fely
SAVE & LEARN Santiago).
BALANCE
FUND, INC. 016-3016-25791-6 025-332-000-430

CONTACTS:
Email Inquiries for Kaiser: customercare@kaiserhelathgroup.com
For MUTUAL FUNDS: Eric Menor ( CP- 09083802640) or Email : ericmenor@rsa.com
47

The way you manage your TIME & CASHFLOW
can make you POOR or RICH!

Example 1: How do you Example 2: How do you
manage your spare time? manage your salary?

– a. Make more money  a. Save some
– b. Waste money  b. Spend all
– c. Waste time  c. Spend before you
receive it?

B C B C
Solution 1: Solution 2:

CHANGE the things you do in your spare CHANGE your money habits…
time- Use it to EARN ADDITIONAL Reduce EXPENSES---
INCOME ! Don’t be BC PAY YOURSELF FIRST. Don’t be
BC!

It is not what you earn, it’s what you keep!...
48

BPM
MATERIAL
S

INVEST on Assets Not Liabilities

What separates the rich from poor How much investments do you need
 is their ability to acquire ASSETS in order to stop working:
- generate money even you stop INCOME REPLACEMENT FORMULA
working ANNUAL INCOME x 10
 If you can not tell the difference Monthly Income: 20,000
between asset & liability, you
may be setting yourself up for a 20,000 x 12 months = 240,000/year
life of financial trouble 240,000 x 10 = 2,400,000

BPM TRANSFORM
MATERIAL
S Yourself to
PASSIVE Income
BIG EFFORT Earner… BIG INCOME

Effort = Income
Work Hard Money Working
For Money Hard for you
Doctor
OFW Interest Income
Sales Agent Maturity Income
Seaman Rental Properties
Lawyer Royalty Income
Engineer Business Franchise
So What Stage are you in?
Showbiz
1-2-3?
Where Do You Want to Be?
LESS INCOME Do you Have a PLAN? LESS EFFORT

Stage 1: Big Effort Less Stage 2 Stage 3: Les Effort Big
Income Income
ACTIVE Income 98% Passive Income 2%
50

Passive Income should be greater than your monthly expense.
Create Multiple Passive Income Streams through IMG . . .

Interest Income Rental Income Royalty Income
6%
At 0% 1 unit = P2M MD  MD
P50K/year
x 100 years MD makes 10 sales/mo
Rental = P12K/month
P5,000,000 = 200K/mo
x 12 months
At 10% P144K/year
200K/month
P50K/year x 4 units
x 6% (R.I.)
x 25 years P576K/year
P12K/month
P5,000,000 x 12 months
P144K/year
P5,000,000 x 4 MDs
X 10% P576K/year
P500K/year

Living On Interest Living On Rental Living On Royalty Income

Investment: Investment: Investment:
Time & Money 4 units x P2M = 8M Time & Effort
5/12/2011 52
RVCS JR TRULY RICH MAKER imguae.support@gmail.com

IMG System Builder – Outlet Building Business Model
IMG Business is FRANCHISING BUSINESS…

Profits = $9.7M/day

McDO - USA
MD

RI = 5% Franchise Fee = P20M–P40M
Marketing Share = 5% RI = 6%

31,000 + Outlets
47M customers/day
MD
Franchisee Outlet
Outlet

UPSTART
FAST-START
SCHOOL
SYSTEM
MD FACTORY
9 F.L./3 AMD The FASTEST way to earn Royalty Income!
3 F.L
F.
L Train Trainers and Run the
System to Build Builders
Associate Field Leader
20% 30%
J O S 3 / 3 / 30

Min 3 Associates
FL AMD MD
Min 9 Associates
30% 40% 50%
JUST RUN FAST START
MD CLUB
3/3/30 TO BECOME
Go for 30:30:90 to become MD RVCS JR. TRULY RICH MAKER
05/12/2011
54

BPM
MATERIAL FAST-START
S PROMOTE YOURSELF


BPM
MATERIAL
S (The MONEY MACHINE)

PROSPECTING

CONTACTING
YES NO

BPM YES
BMP
Group 1-on-1
Office Home
NO
YES NO
STARTUP NO SALES
INTERVIEW PRESENTATION

YES NO

CLIENT
JOIN REFERRAL

UPSTART FAST-START
SCHOOL
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.

2 Ways to Start…
First Way Second Way
Learn everything before you start. Be coachable and follow every step
Wait for a miracle Learn- Invite- Field Training- Build
05/12/2011
3/3/7 FAST START
RVCS JR. TRULY RICH MAKER 58

UPSTART
SCHOOL PROSPECTING
NATURAL MARKET
CREATE 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.

IMPORTANT KEYS TO DEVELOPING YOUR PROSPECT LIST:
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
05/12/2011 RVCS JR. TRULY RICH MAKER 59

UPSTART
SCHOOL PROSPECTING
STEAM: A SYSTEM TO GET REFERRAL
Relationship marketing is key to your long-term success in IMG. All of the great builders in
IMG have mastered the art of getting referrals from satisfied clients. Referrals will provide you
with 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 a
word, they should give you names of people who pop up in their heads. You may have them give
you 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? 05/12/2011RVCS JR. TRULY RICH MAKER 60

UPSTART INVITING/
SCHOOL
CONTACTING
FRIENDSHIP FARMING
The System on how to contact your warm & cold prospect.
There are four questions you can ask (in order) when casually talking with a stranger
or visiting your friend.

This is called the FORM System. This system flows more naturally
if 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 = How’s the family? You mightthe kids? Etcher if they have kids, did they grow up here in town, etc/ (cold market)
= Stands for Family.
How are
ask him or
(warm market)

O = How is for Occupation.increase of salary lately? (warm market) long? Does he or she like his or her job? (cold market)
= Stands
work? Got any
What does he or she do for a living. How
= What do you do on weekends? Shopping? Or any sports? (warm market)
R = 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)
M= Stands for Message. Tell the prospect what you do too. Get his or her name & contact number. (cold market)

UPSTART
SCHOOL 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).

UPSTART
SCHOOL

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 application
Trainee continues the casual conversation. 05/12/2011 RVCS JR. TRULY RICH MAKER63
Trainer asks check or cash payment, or goes with client to the ATM machine.

UPSTART
SCHOOL 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.

UPSTART
SCHOOL 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 Do
SHARE: 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”.

UPSTART
SCHOOL BUILDING 2.0
Building is Simple…
THE SYSTEM FLOW

MD MD MD
MD
TRAINEE CLUB FACTORY
Daily Field Training Weekly Office Training Build Teamwork Build a Big Organization
1. MD TRAINEE: JOIN-OWN-SHARE
PPL- > FTS-> Up Start Program-> BPM-BMP
YOU
2. MD Club: Do 3-3-30 Days to become MD Club
3 Associates in 30 Days
A B C 5 PFS/Field Training Sales in 7-30 Days

3. MD (Marketing Director): Build 3 MD Club Legs
1M Production or 30:30:90 Days

4. MD Factory: Build MDs towards CEO and On-wards.

UPSTART
SCHOOL BUILDING 2.0
Work the System
First we Train the Trainer, and then Build the Builder

LOCAL BIG
BMP BPM
EVENT EVENT

Daily Field Training Weekly Office Training Build Teamwork Build a Big Organization

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.

UPSTART
SCHOOL 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.


UPSTART
SCHOOL

THE SIMPLE FOCUS
3-3-30 NEW RECRUIT /SLOW START

5-5-30 PART TIMERS/ MEDIUM SPEED

10-10-30 FULL TIMERS/ FAST STARTERS

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

UPSTART
SCHOOL

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…

UPSTART
SCHOOL

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…”

BPM
MATERIAL
S
IMG—3/F, King’s
Court Bldg
1, Chino Roces
Ave., corner Dela
Rosa St., Makati.

Mcdo Isuzu X

To Don Bosco

Jollibee Mercury Caltex

To Taft Ave./ LRT


BPM
MATERIAL
S IMG—3/F, Veluz
Frances Plaza, Gen.
Aguinaldo
Highway, cor
Guevarra
St., Dasma,Cavite.

To Dasma Bayan
BDO X
Mercury 7-11

To Imus
 To Tagaytay
To La Salle Dasma

Petron David’s
Waltermart BPI Tea House
Dasma


Business Review Card Business Review Card
DATE: ____|____|____ DATE: ____|____|____
NAME: SPOUSE: NAME: SPOUSE:

ADDRESS: WORK PHONE: ADDRESS: WORK PHONE:

EMAIL: CELLPHONE: EMAIL: CELLPHONE:

I AM INTERESTED IN…(PLEASE CHECK ONE) I AM INTERESTED IN…(PLEASE CHECK ONE)
STARTING A BUSINESS/CAREER IN IMG STARTING A BUSINESS/CAREER IN IMG
LEARNING MORE ABOUT FINANCIAL SOLUTION FOR MY LEARNING MORE ABOUT FINANCIAL SOLUTION FOR MY
FAMILY FAMILY
BOTH OF THE ABOVE BOTH OF THE ABOVE
APPOINTMENT: __|HOME __|IMG OFFICE (INDICATE AVAILABILITY) APPOINTMENT: __|HOME __|IMG OFFICE (INDICATE AVAILABILITY)
NUMBER __|MON __|TUE __|WED __|THU __|FRI __|SAT __|SUN NUMBER __|MON __|TUE __|WED __|THU __|FRI __|SAT __|SUN

DATE: ____________________ INVITED BY: ________________________________ DATE: ____________________ INVITED BY: ________________________________
TIME: ___________________ TRAINER: _________________________________ TIME: ___________________ TRAINER: _________________________________

BPM____ S1-S2____ PPL____ FTS____ JOIN____ OWN____ BPM____ S1-S2____ PPL____ FTS____ JOIN____ OWN____

Business Review Card Business Review Card
DATE: ____|____|____ DATE: ____|____|____
NAME: SPOUSE: NAME: SPOUSE:

ADDRESS: WORK PHONE: ADDRESS: WORK PHONE:

EMAIL: CELLPHONE: EMAIL: CELLPHONE:

I AM INTERESTED IN…(PLEASE CHECK ONE) I AM INTERESTED IN…(PLEASE CHECK ONE)
STARTING A BUSINESS/CAREER IN IMG STARTING A BUSINESS/CAREER IN IMG
LEARNING MORE ABOUT FINANCIAL SOLUTION FOR MY LEARNING MORE ABOUT FINANCIAL SOLUTION FOR MY
FAMILY FAMILY
BOTH OF THE ABOVE BOTH OF THE ABOVE
APPOINTMENT: __|HOME __|IMG OFFICE (INDICATE AVAILABILITY) APPOINTMENT: __|HOME __|IMG OFFICE (INDICATE AVAILABILITY)
NUMBER __|MON __|TUE __|WED __|THU __|FRI __|SAT __|SUN NUMBER __|MON __|TUE __|WED __|THU __|FRI __|SAT __|SUN

DATE: ____________________ INVITED BY: ________________________________ DATE: ____________________ INVITED BY: ________________________________
TIME: ___________________ TRAINER: _________________________________ TIME: ___________________ TRAINER: _________________________________

BPM____ S1-S2____ PPL____ FTS____ JOIN____ OWN____ BPM____ S1-S2____ PPL____ FTS____ JOIN____ OWN____

MY TOP 5 REFERRALS MY TOP 5 REFERRALS
(People Whom I’d Like to be My Business Partners) (People Whom I’d Like to be My Business Partners)

NAME CELLPHONE # EMAIL FTS SCHED NAME CELLPHONE # EMAIL FTS SCHED

Do FTS in 7 Days and Achieve 3:3:7!!! Do FTS in 7 Days and Achieve 3:3:7!!!

MY TOP 5 REFERRALS MY TOP 5 REFERRALS
(People Whom I’d Like to be My Business Partners) (People Whom I’d Like to be My Business Partners)

NAME CELLPHONE # EMAIL FTS SCHED NAME CELLPHONE # EMAIL FTS SCHED

Do FTS in 7 Days and Achieve 3:3:7!!! Do FTS in 7 Days and Achieve 3:3:7!!!

BPM
MATERIAL
S

Benjie Santiago
(0920) 902 1217
Email: benj5_santiago@yahoo.com
Or richbenj.santiago@gmail.com

Fely Santiago
(0920) 961 3126
Email: fcs3483@yahoo.com
Or fely.santiago@gmail.com
76
5/12/2011 RVCS JR TRULY RICH MAKER

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