IMG Team Jov.Ann.Jess

📌MARINE FINANCIAL ADVOCATE
Malaking tulong ito sa mga seafarer na open minded at gustong maghanda para sa kanilang future

It takes only 1 to 2 years to build a big ship but it takes at least 15 years to build a Captain.
1997 - Deck Cadet (21yrs old)
1999 - Third Officer (23 yrs old)
2001 - Second Officer (25 yrs old)
2006 - Chief Officer (30 yrs old)
2009 - Captain / Master Mariner (33 yrs old)
May naipon ba before na meet si IMG?
Sadly... BIG NO...
Kasi wala kaming alam sa Financial Education...
Gusto lang namin bumili ng malaking bahay (ay hindi, utang pala hahaha) at sasakyan na utang din hahaha...
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Salamat Captain B**g Casas Arcenal for reminding us to be HUMBLE and COACHABLE always kahit anuman ang narating natin sa buhay and regardless of our income we need FINANCIAL EDUCATION.
Daming Learnings!
Thank you IMG 🥰

Kung ngayon, you are lost at tingin mo wala ng nangyayari sa buhay, struggling financially, stressed sa work o business, o happy at contented at gusto makatulong sa iba, you are welcome in our community. 🤗
You just need to get involved 👍
Cto..

Message me willing to help you build your journey in Img Community

𝑨𝒚𝒂𝒘 𝒎𝒐𝒏𝒈 𝒌𝒖𝒎𝒖𝒉𝒂 𝒏𝒈 𝑲𝑨𝑰𝑺𝑬𝑹 𝒌𝒂𝒔𝒊 𝒎𝒂𝒚 𝑺𝑺𝑺, 𝑷𝒉𝒊𝒍𝒉𝒆𝒂𝒍𝒕𝒉 𝒂𝒕 𝑺𝒂𝒗𝒊𝒏𝒈𝒔 𝒔𝒂 𝑩𝒂𝒏𝒈𝒌𝒐!
𝑨𝒏𝒐 𝒃𝒂 𝒎𝒆𝒓𝒐𝒏 𝒔𝒂 𝑲𝑨𝑰𝑺𝑬𝑹 𝒏𝒂 𝒅𝒂𝒑𝒂𝒕 𝒎𝒐𝒏𝒈 𝒑𝒂𝒈 𝒊𝒔𝒊𝒑𝒂𝒏?
𝑨𝑵𝑶 𝒂𝒏𝒈 𝒑𝒂𝒈𝒌𝒂𝒌𝒂-𝒊𝒃𝒂 𝒏𝒈 𝑩𝑬𝑵𝑬𝑷𝑰𝑺𝒀𝑶 𝑵𝑮 𝑲𝑨𝑰𝑺𝑬𝑹, 𝒔𝒂 𝒊𝒃𝒂𝒏𝒈 𝑯𝑴𝑶 𝒂𝒕 𝑷𝑯𝑰𝑳𝑯𝑬𝑨𝑳𝑻𝑯?

𝑹𝒆𝒂𝒅 𝒕𝒊𝒍𝒍 𝒕𝒉𝒆 𝑬𝒏𝒅 𝒕𝒐 𝒌𝒏𝒐𝒘 𝒃𝒆𝒕𝒕𝒆𝒓 😊
‼𝗥𝗲𝗴𝘂𝗹𝗮𝗿 𝗛𝗠𝗢
➳ 𝑻𝒂𝒐𝒏-𝒕𝒂𝒐𝒏 𝒌𝒂 𝒎𝒂𝒈 𝒃𝒂𝒃𝒂𝒚𝒂𝒅 𝒑𝒂𝒓𝒂 𝒊𝒌𝒂𝒘 𝒂𝒚 𝒄𝒐𝒗𝒆𝒓𝒆𝒅 𝒂𝒕 𝒕𝒖𝒎𝒂𝒕𝒂𝒂𝒔 𝒂𝒏𝒈 𝒃𝒊𝒏𝒂𝒃𝒂𝒚𝒂𝒓𝒂𝒏 𝒎𝒐 𝒌𝒂𝒔𝒊 𝒏𝒂𝒅𝒂𝒅𝒂𝒈𝒅𝒂𝒈𝒂𝒏 𝒂𝒏𝒈 𝒆𝒅𝒂𝒅 𝒎𝒐.
➳ 𝑯𝒊𝒏𝒅𝒊 𝒌𝒂𝒏𝒂 𝒎𝒂𝒌𝒂𝒌𝒂𝒂𝒗𝒂𝒊𝒍 𝒌𝒖𝒏𝒈 𝒎𝒂𝒚 𝒔𝒂𝒌𝒊𝒕 𝒌𝒂 𝒔𝒂 𝒑𝒂𝒏𝒂𝒉𝒐𝒏 𝒏𝒂 𝒊𝒌𝒂𝒘 𝒂𝒚 𝒏𝒂𝒈 𝒂𝒑𝒑𝒍𝒚, 𝒌𝒂𝒉𝒊𝒕 𝒓𝒆𝒈𝒖𝒍𝒂𝒓 𝒌𝒂𝒏𝒈 𝒄𝒍𝒊𝒆𝒏𝒕.
➳ 𝑵𝒐 𝒓𝒆𝒃𝒂𝒕𝒆 𝒑𝒂𝒈 𝒅𝒊 𝒎𝒐 𝒏𝒂𝒈𝒂𝒎𝒊𝒕 𝒅𝒂𝒉𝒊𝒍 𝒉𝒆𝒂𝒍𝒕𝒉𝒚 𝒌𝒂 𝒕𝒉𝒂𝒕 𝒚𝒆𝒂𝒓.

‼𝗣𝗵𝗶𝗹𝗛𝗲𝗮𝗹𝘁𝗵
➳ 𝑺𝒂 𝑷𝒉𝒊𝒍𝑯𝒆𝒂𝒍𝒕𝒉 𝒖𝒑 𝒕𝒐 60 𝒚𝒆𝒂𝒓𝒔 𝒐𝒍𝒅 𝒕𝒂𝒚𝒐 𝒎𝒂𝒈𝒓𝒊𝒓𝒆𝒏𝒆𝒘. 𝑯𝒊𝒏𝒅𝒊 𝒎𝒂𝒈𝒂𝒈𝒂𝒎𝒊𝒕 𝒌𝒖𝒏𝒈 𝒉𝒊𝒏𝒅𝒊 𝒅𝒊𝒏 𝒕𝒖𝒍𝒐𝒚-𝒕𝒖𝒍𝒐𝒚 𝒂𝒏𝒈 𝒑𝒂𝒈 𝒉𝒖𝒍𝒐𝒈.
➳ 15% 𝒕𝒐 20% 𝒍𝒂𝒏𝒈 𝒂𝒏𝒈 𝒅𝒊𝒔𝒄𝒐𝒖𝒏𝒕 𝒔𝒂 𝒉𝒐𝒔𝒑𝒊𝒕𝒂𝒍 𝒃𝒊𝒍𝒍𝒔 𝒎𝒐 𝒂𝒕 𝒉𝒊𝒏𝒅𝒊 𝒍𝒂𝒉𝒂𝒕 𝒏𝒈 𝒔𝒂𝒌𝒊𝒕 𝒂𝒚 𝒄𝒐𝒗𝒆𝒓𝒆𝒅.
➳ 𝑵𝒐 𝒂𝒔𝒔𝒊𝒔𝒕𝒂𝒏𝒄𝒆 𝒇𝒐𝒓 𝒃𝒆𝒏𝒆𝒇𝒊𝒄𝒊𝒂𝒓𝒊𝒆𝒔 𝒃𝒆𝒚𝒐𝒏𝒅 𝒕𝒉𝒆 𝒂𝒈𝒆 𝒐𝒇 19 𝒚.𝒐.

‼𝗞𝗮𝗶𝘀𝗲𝗿 𝟯 𝗶𝗻 𝟭
✅ 3𝒊𝒏1 𝒑𝒓𝒐𝒅𝒖𝒄𝒕. 𝑴𝒂𝒚 𝑯𝒐𝒔𝒑𝒊𝒕𝒂𝒍𝒊𝒛𝒂𝒕𝒊𝒐𝒏 𝑯𝒆𝒂𝒍𝒕𝒉𝑪𝒂𝒓𝒆 + 𝑰𝒏𝒄𝒐𝒎𝒆 𝑹𝒆𝒑𝒍𝒂𝒄𝒆𝒎𝒆𝒏𝒕 + 𝑰𝒏𝒗𝒆𝒔𝒕𝒎𝒆𝒏𝒕 𝒌𝒂 𝒏𝒂𝒏𝒈 𝒎𝒂𝒈𝒂𝒈𝒂𝒎𝒊𝒕. 𝑾𝒂𝒍𝒂 𝒌𝒂𝒏𝒈 𝒆𝒙𝒕𝒓𝒂𝒏𝒈 𝒃𝒂𝒃𝒂𝒚𝒂𝒓𝒂𝒏 𝒑𝒂𝒓𝒂 𝒆-𝒂𝒗𝒂𝒊𝒍 𝒊𝒔𝒂-𝒊𝒔𝒂. 𝑲𝒂𝒚𝒂 𝒎𝒂𝒚 𝒑𝒆𝒂𝒄𝒆 𝒐𝒇 𝒎𝒊𝒏𝒅 𝒌𝒂.
✅ 𝑽𝒆𝒓𝒚 𝑨𝒇𝒇𝒐𝒓𝒅𝒂𝒃𝒍𝒆. 7𝒚𝒆𝒂𝒓𝒔 𝒌𝒂 𝒍𝒂𝒏𝒈 𝒎𝒂𝒈-𝒊𝒊𝒑𝒐𝒏. 𝑴𝒂𝒃𝒖𝒉𝒂𝒚 𝒌𝒂 𝒎𝒂𝒏 𝒉𝒂𝒏𝒈𝒈𝒂𝒏𝒈 100 𝒚𝒆𝒂𝒓𝒔 𝒎𝒂𝒚 𝒉𝒆𝒂𝒍𝒕𝒉𝒄𝒂𝒓𝒆 𝒌𝒂 𝒑𝒂 𝒓𝒊𝒏.
✅𝑪𝒐𝒗𝒆𝒓𝒆𝒅 𝒍𝒂𝒉𝒂𝒕 𝒏𝒈 𝒔𝒂𝒌𝒊𝒕, 𝒆𝒗𝒆𝒏 𝒑𝒓𝒆-𝒆𝒙𝒊𝒔𝒕𝒊𝒏𝒈 𝒊𝒍𝒍𝒏𝒆𝒔𝒔𝒆𝒔 𝒂𝒇𝒕𝒆𝒓 𝒕𝒉𝒆 𝒂𝒄𝒄𝒖𝒎𝒖𝒍𝒂𝒕𝒊𝒐𝒏 𝒑𝒆𝒓𝒊𝒐𝒅.
✅𝑺𝒂𝒈𝒐𝒕 𝒏𝒂 𝒍𝒂𝒉𝒂𝒕 𝒂𝒏𝒈 𝒉𝒐𝒔𝒑𝒊𝒕𝒂𝒍 𝒃𝒊𝒍𝒍𝒔 𝒇𝒓𝒐𝒎 𝒓𝒐𝒐𝒎 𝒂𝒄𝒄𝒐𝒎𝒎𝒐𝒅𝒂𝒕𝒊𝒐𝒏 𝒌𝒂𝒉𝒊𝒕 𝒊𝒍𝒂𝒏𝒈 𝒃𝒖𝒘𝒂𝒏 𝒌𝒂𝒑𝒂. 𝑼𝒖𝒘𝒊 𝒌𝒂𝒏𝒈 𝒎𝒂𝒚 𝒏𝒈𝒊𝒕𝒊 𝒔𝒂 𝒍𝒂𝒃𝒊 𝒂𝒕 𝒘𝒂𝒍𝒂𝒏𝒈 𝒊𝒏𝒊𝒊𝒔𝒊𝒑 𝒏𝒂 𝒖𝒕𝒂𝒏𝒈.
✅𝑼𝒏𝒍𝒊𝒎𝒊𝒕𝒆𝒅 𝑭𝑹𝑬𝑬 𝑪𝒐𝒏𝒔𝒖𝒍𝒕𝒂𝒕𝒊𝒐𝒏 𝒎𝒐. 𝑲𝒂𝒉𝒊𝒕 𝒂𝒓𝒂𝒘 𝒂𝒓𝒂𝒘 𝒌𝒂 𝒎𝒂𝒈𝒑𝒂𝒄𝒉𝒆𝒄𝒌-𝒖𝒑 𝒂𝒕 𝒌𝒂𝒉𝒊𝒕 𝒊𝒃𝒂 𝒊𝒃𝒂 𝒔𝒂𝒌𝒊𝒕 𝒎𝒐 𝒃𝒂𝒘𝒂𝒕 𝒂𝒓𝒂𝒘.
✅𝑲𝒖𝒏𝒈 𝒎𝒂𝒈𝒌𝒂𝒏𝒐 𝒂𝒏𝒈 𝒂𝒎𝒐𝒖𝒏𝒕 𝒏𝒂 𝒃𝒊𝒏𝒂𝒃𝒂𝒚𝒂𝒓𝒂𝒏 𝒎𝒐 𝒑𝒂𝒈𝒌𝒂𝒔𝒊𝒈𝒏 𝒎𝒐 𝒌𝒂𝒚 𝑲𝒂𝒊𝒔𝒆𝒓, 𝒚𝒖𝒏 𝒍𝒂𝒏𝒈 𝒂𝒏𝒈 𝒃𝒂𝒃𝒂𝒚𝒂𝒓𝒂𝒏 𝒇𝒐𝒓 7𝒚𝒆𝒂𝒓𝒔. 𝑵𝒐 𝒂𝒅𝒅𝒊𝒕𝒊𝒐𝒏𝒂𝒍 𝒇𝒆𝒆𝒔 𝒏𝒆𝒆𝒅𝒆𝒅.
✅𝑰𝒕𝒐 𝒂𝒚 𝒎𝒂𝒚 𝑭𝒂𝒎𝒊𝒍𝒚 𝑨𝒔𝒔𝒊𝒔𝒕𝒂𝒏𝒄𝒆. 𝑴𝒂𝒂𝒂𝒓𝒊 𝒎𝒐𝒏𝒈 𝒊𝒑𝒂𝒈𝒂𝒎𝒊𝒕 𝒔𝒂 𝒊𝒎𝒎𝒆𝒅𝒊𝒂𝒕𝒆 𝒇𝒂𝒎𝒊𝒍𝒚 𝒎𝒐𝒏𝒈 𝒏𝒂𝒈𝒌𝒂𝒔𝒂𝒌𝒊𝒕.
✅𝑴𝒂𝒚 𝒔𝒕𝒐𝒄𝒌𝒎𝒂𝒓𝒌𝒆𝒕 𝒊𝒏𝒗𝒆𝒔𝒕𝒎𝒆𝒏𝒕 𝒏𝒂 6 𝒕𝒐 10% 𝒏𝒂 𝒑𝒘𝒆𝒅𝒆𝒏𝒈 𝒈𝒂𝒎𝒊𝒕𝒊𝒏 𝒐 𝒊𝒑𝒂𝒎𝒂𝒏𝒂 𝒔𝒂 𝒊𝒚𝒐𝒏𝒈 𝒑𝒓𝒊𝒏𝒄𝒊𝒑𝒂𝒍 𝒃𝒆𝒏𝒆𝒇𝒊𝒄𝒊𝒂𝒓𝒚 𝒑𝒂𝒈𝒅𝒂𝒕𝒊𝒏𝒈 𝒏𝒈 𝒎𝒂𝒕𝒖𝒓𝒊𝒕𝒚.
✅𝑲𝒖𝒏𝒈 𝒉𝒆𝒂𝒍𝒕𝒉𝒚 𝒌𝒂 𝒘𝒉𝒊𝒍𝒆 𝒑𝒂𝒚𝒊𝒏𝒈 𝒚𝒐𝒖𝒓 𝒑𝒐𝒍𝒊𝒄𝒚, 85% 𝑹𝑬𝑩𝑨𝑻𝑬 𝒂𝒏𝒈 𝒎𝒂𝒃𝒂𝒃𝒂𝒍𝒊𝒌 𝒔𝒂 𝒊𝒚𝒐 𝒏𝒂 𝒑𝒂𝒍𝒂𝒍𝒂𝒈𝒖𝒊𝒏 𝒌𝒂𝒔𝒂𝒃𝒂𝒚 𝒔𝒂 𝒔𝒕𝒐𝒄𝒌𝒎𝒂𝒓𝒌𝒆𝒕 𝒊𝒏𝒗𝒆𝒔𝒕𝒎𝒆𝒏𝒕 𝒎𝒐.

𝑺𝒐 𝒂𝒍𝒊𝒏 𝒏𝒈𝒂 𝒃𝒂 𝒂𝒏𝒈 𝒎𝒂𝒔 𝒎𝒂𝒈𝒂𝒏𝒅𝒂?
𝑺𝒉𝒐𝒓𝒕 𝑻𝒆𝒓𝒎 (𝑷𝑯𝑰𝑳𝑯𝑬𝑨𝑳𝑻𝑯), 𝑺𝑺𝑺, 𝑺𝑨𝑽𝑰𝑵𝑮 𝒔𝒂 𝑩𝑨𝑵𝑲 𝒐𝒓 𝑳𝒐𝒏𝒈-𝒕𝒆𝒓𝒎 𝑯𝒆𝒂𝒍𝒕𝒉𝒄𝒂𝒓𝒆 (𝑲𝑨𝑰𝑺𝑬𝑹 3𝒊𝒏1)?
𝑲𝒖𝒏𝒈 𝒂𝒌𝒐 𝒂𝒏𝒈 𝒕𝒂𝒕𝒂𝒏𝒖𝒏𝒈𝒊𝒏, 𝒅𝒂𝒑𝒂𝒕 𝒎𝒆𝒓𝒐𝒏 𝒌𝒂 𝒑𝒂𝒓𝒆𝒉𝒐.

𝑱𝒖𝒔𝒕 𝑺𝑬𝑵𝑫 𝑴𝑬𝑺𝑺𝑨𝑮𝑬 𝒇𝒐𝒓 𝒎𝒐𝒓𝒆 𝒊𝒏𝒇𝒐𝒓𝒎𝒂𝒕𝒊𝒐𝒏..☺️