Genius Peso

“Sa halagang ₱88/day… may future ka na bang binubuo?”

Akala mo maliit lang ang ₱2,647/month?
Pero yan ang difference ng umaasa vs handa.

Maraming OFW…
👉 kayang gumastos ng ₱150 sa milktea
👉 ₱300 sa pagkain kapag stressed
👉 ₱1,000 sa biglaang luho

Pero pagdating sa future?
“Next time na lang…”
Ito ang problema:
Hindi ka walang pera.
Wala ka lang sistema.

At eto ang katotohanan:
Kung wala kang sinisimulan ngayon…
mas magiging mahal ang future mo—emotionally, financially, pati mentally.

Hindi mo kailangan magsimula ng malaki.
Kailangan mo lang magsimula ng tuloy-tuloy.

Kasi ang pinaka-underrated na asset mo?
👉 Oras.

Sa halagang ₱2,647/month (₱88/day),
pwede ka nang magsimula ng plan na may:

✔️ Protection
✔️ Health coverage
✔️ Long-term investment

Hindi ito tungkol sa laki ng pera.
👉 Ito ay tungkol sa consistency.

Hindi ka mahirap…
wala ka lang sistema.

Simulan mo na po habang maaga pa.
Dahil darating ang araw—
either prepared ka… o magsisisi ka.

📩 Learn Financial Literacy pagtulungan natin yan Img ernalyn Silverio

When you become a member of IMG (International Marketing Group), you gain access to a powerful financial platform that offers more than 60+ benefits, discounts and privileges—designed to protect, save, and grow your money.

HERE ARE JUST SOME OF THE MAJOR BENEFITS:

🔒 Protection & Insurance Benefits
* ₱50,000 Fidelity Term Life Insurance (PH & Int'l Member)
* ₱100K - ₱300K Personal Accident Insurance (PH Member)
* ₱500K - Accident Death Benefit (International Member)
* ₱100K - Burial Benefit (International Member)
* ₱100K - Accident & Medical Reimbursement Benefit (International Member)
* ₱600K - Act of Terrorism (International Member)
* ₱600K - Unprovoked Murder & Assaults (International Member)
* Accidental Disablement Benefit (International Member)
* Repatriation Services (International Member)

📈 Investment Opportunities
* ₱1,000 PDF that you can use to start your mutual fund investment
* Start investing for as low as ₱20
* No entry fee when you invest to IMG partner's mutual fund companies
* Full access to your investments, insurance, and IMG account

🏠 Exclusive Big Savings & Discounts
* Savings in Real Estate purchases (SMDC, DMCI, Ayala Land)
* Discount on car purchases
* Discounts on car insurance, travel insurance, and business insurance

🏥 Healthcare Privileges
* FREE unlimited general check-ups at Kaiser Medical Center
* 20% discount on medical lab tests
* Access to healthcare products and services

⚖️ Legal & Memorial Services
* FREE legal consultation yearly
* FREE memorial concierge service
* Repatriation service in coordination with Everest Memorial (for International members)

📚 Entrepreneurial & Earning Potential
* Business in the financial industry
* Massive incentives: FREE Travel Abroad, FREE HMO (with qualifications), etc

This isn’t just a membership. It’s a movement to build a financially educated, protected, and empowered Filipino community.

Message me now to get started or learn more.
Your future self will surely thank you. 💙

We build a community.
A community of savers, investors and entrepreneurs.
Be part of our Community.

The Department of Budget and Management (DBM)'s Budget Circular No. 2024-6 grants qualified civilian government personnel an annual Medical Allowance of up to P7,000, starting Fiscal Year 2025, to help cover Health Maintenance Organization (HMO) or medical expenses.

Purpose: It serves as a subsidy for HMO benefits and to reduce the financial burden of medical treatments.

Don’t compromise your safety. Sabi nga po subsidy, kaya wag tipirin ang ang binigay na allowance. Gamitin natin sa wasto. Wag tipirin ang sarili. Tipirin mo na ang lahat, wag lang sa medical dahil mas malaki ang gastos pag tinipid ntin yan.

Kaiser , your first name in healthcare created a plan that is tailored to what you need. Complete package na, may bonus feature pa..

Trusted by the biggest government firms in the country like Senate, DOJ, House of Representative, Court of Appeals and many more.

5 Points Healthcare Coverage:
✅ Preventive Care
✅ In-Patient Services
✅ Outpatient Services
✅ Emergency Care
✅ Dental Care
💳 ₱7,000 annual premium per year
🏥 ₱75,000 coverage PER ILLNESS per year
🏨 Access to major hospitals (no additional payment)
🩺 Pre-existing & dreaded illnesses COVERED
👥 Eligible Age: 18–65 years old (most HMOs cover only up to 60)
💡 Bonus Feature: Financial Care Assistance

Message me. 😊

🏠💡 Did you know?

Even if your house gets damaged or destroyed by a typhoon, earthquake, or flood…
👉 You STILL owe the bank or Pag-IBIG.
Yes — even if your home is gone, your housing loan doesn’t disappear.

You borrowed money, and that loan remains your responsibility until it’s fully paid.

That’s why when you buy a house through Bank Financing or Pag-IBIG, having the right insurance coverage is a must!

Here’s what every homeowner should understand 👇

🏦 1️⃣ MRI (Mortgage Redemption Insurance)
This protects your family if something happens to you (the borrower).

If you pass away before the loan is paid off, the MRI settles the remaining balance — so your loved ones won’t inherit the debt or risk losing the home. 🙏

🌪️ 2️⃣ Fire and Acts of Nature (AON) Coverage
This protects your property itself — in case it’s damaged or destroyed by fire, earthquake, flood, or typhoon.

Without this, the bank or Pag-IBIG will still collect loan payments even if your house is unlivable. 😢

📋 Here’s how it works:
✅ You file a claim for the damage.
✅ The insurance company pays the bank or Pag-IBIG directly (since your property is the collateral).
✅ If the claim amount covers your remaining loan — good news, your loan is settled!
✅ But if it’s less, you’ll have to pay the difference.

💡 Real talk:
Insurance pays for the damage, but your loan stays until the lender is fully paid.
MRI protects your family, and AON protects your home. Both are essential for your peace of mind and financial security. ❤️

✨ Tip:
Whether your home is under Bank or Pag-IBIG financing, review your insurance today.
Make sure you’re protected with MRI + Acts of Nature coverage.

Photo credits to the owner.