Business For Happy Retirees

A Simple Clear Fast Doable Business You Can Do It Too By: Benj and Fely Santiago  DEDICATION:  To International Marketing Group (IMG) who had given us a business opportunity with unlimited income possibilities, and passive income generation. A business that made us changed from being an employee to investor and entrepreneur. A business that indeed is BUSINESS FOR HAPPY RETIREMENT: SIMPLE, CLEAR, FAST, and DOABLE for non-businessmen like me. To Joen Delas Peñas, Noel Arandilla, Cathy Borja of IMG who had coached us and guided us in building our business beyond our imagination and physical borders. To Dr. Jaime and Dra Jocelyn Lorenzo who initiated us into IMG Business, and coached us in our first months in the business. To Shirley and Manny San Miguel, Ginalyn and Rey Labrado the couples who inspired us, and showed us that persistence and dedication can make us succeed in business. To Xuan Nguyen of World System Builder (WSB) who inspired us to dream beyond our dreams. He made ...

This book is a personal story of Benj and Fely Santiago. The contents of this book are intended for information purposes, and reference only. It is unique to the background and experience of the Authors. It is intended exclusively to inspire and guide you on how to set up your own IMG business but does not guarantee you of your own success. Your success depends largely on your effort and commitment. Each person has unique situation, everyone must consider all the options she or he may get into. It is the hope of the author to inspire people to get into a business that suits your competence, experience, and more importantly your passion. The author of this book, and all other people mentioned in this book made sure that the information are correct as of the date of publication. However, there is no guarantee or warranty as to the completeness and accuracy of all the information shared on this book. The author of this book expressly disclaim liability for errors or omissions in the infor...

Fely and I had long wanted to have our own business.  I know you too want to have your own business before you retire. In fact, many of our friends who got their early retirement money, put up on their own business. Unfortunately, more than half of the people we know who went into business, went bankrupt and lost their money.   Early on in our career in the Semicon Manufacturing we wanted to put up our own business. However, our education set us up for employment. Our family experience also limited us to “sari-sari store” (convenient store) business. It was the business our parents had.  It was short lived and did not even prosper.  For many years, I and Fely's had a great desire to set-up our own business, but we were not able to pursue it because of our fear of failure. Besides, our comfort zone was employment.  But in 2007, our journey to our own business started. We are so thankful that with IMG-International Marketing Group. We had been changed and our...

Fely and I were both first engineers in our respective family. We were highflyers in Elementary, High School and College. Fely graduated Valedictorian in Elementary and is consistent honor student in High School, while I am always in the Top 5 of the class. I obtained my Bachelor of Science in Mechanical Engineering on a Scholarship Grant by the National State Scholarship of the Philippine Government. My studies were motivated by a dream of making it good in school and landing a good job.  My parents wanted me to complete my engineering so I can land a good job in a company. Work on the company and retire in it. After my graduation (just a few years ago…1978 ehem...), I was taken in as an Instructor in the Mechanical Engineering Department of Adamson University.  For three years I was in the academe and as fate would have it, this university is where Fely and I would meet and fall in love (I still feel the “kilig” even after so many years… ha ha ha!) My first taste of an indus...

Looking back, it was mid of 2007 Fely was already notified by her company that her job will be eliminated and thus her position will no longer exist. She was identified for early retirement. So, before she reached her last day in office, we searched for guidance how we will be able to manage our finances. We bought and read books.  We attended seminars and studied different business options. During this time, I was still employed, and Fely was still receiving her monthly salary. There was not as much pressure to embark on a business at this time. November of that year, we decided to join a company named International Marketing Group-IMG. This is after we learned about it in Bro Bo Sanchez's Truly Rich Coaching Seminar. Our only motivation is for us to become the broker for all our financial services needs such as our investments, property insurance, and healthcare.  We did not seriously consider yet any business as I was still employed and receives my monthly income.  We ...

Our search for business was very meticulous and long. We studied our options very carefully. We considered business like a car shop with parts and services, with internet cafe, and spa set-up. We also looked at franchising a gasoline station, a convenient store, a meat shop, and fast-food.  We also toyed with the idea of converting our home to a spa styled specialty restaurant. But we believe that most successful business models are those that deal with distribution, a Business that has a system. Businesses that thrive are those that are of a One-Stop-Shop. Manufacturers are no longer the king. I studied the business model the richest men in the Philippines. They have a one-stop-shop or a distribution. Take the case of Henry Sy. He owns SMDC, BDO, SM Malls and many allied businesses.  When he needs to build more malls, he gets the services to construct the mall from his own company SMDC. The funding he borrows from his own bank BDO. When the malls are completed, the biggest re...

I did not even treat this as a serious business. In the onset I also did not see the immense size of this business! Fely and I finally saw the immensity of this business in 2011, when we attended our company’s convention in San Jose California, USA.  More than 20 thousand people attended from all over US and Canada, and from Asia. In that convention, we have met people who are ordinary people who shared their success stories in the business. It inspired us and opened our minds to do more or this business. But what really is this IMG business? IMG is a financial distribution company. As a business owner using the IMG System Fely and I are independent representative of a One-Stop-Shop of Financial Services. We represent various companies in different fields of service:  the top 5 Mutual Fund Companies (Soldivo, PhilEquity, SunLife Financial, ATRAM, PAMI), top 5 Real Estate Development companies (Ayala, SMDC, DMCI, VistaLand, MegaWorld), and many other refutable and solid compani...

I am so in love with this business for it is a Win-Win Business. We started with this business with our family as the first set of clients. All our investment needs, our healthcare and life protection, and our non-life insurance we bought from ourselves as agent or broker. We were getting our insurance for our house and our cars as clients of an insurance company. For so many years and not a single centavo goes back to us. When we became business owner within the IMG system in 2007, we earned commissions from what we paid for our home and car insurance. At that time, we pay 30K PHP per year for our non-life insurance needs and as broker for our own needs, we pay the same amount. But this time as broker for our own needs we got back more than 2000 PHP! We got ourselves all the needs we have as our own broker and thus, with just our own needs we earn. On top of this, IMG coached us to do our proper and solid investing. We were also coached on how to do our business. So, we were able to ...

What is IMG Business? Is it Networking? Are you an Agent/Broker if you Join IMG? This is the question I had when I joined IMG. It is the same question that most people ask me as well. I found out that IMG is not a Networking or Multi-Level Marketing. Instead, IMG is the Most Powerful Distribution System for Financial Services. It is a company that is in a Membership Platform. The System of IMG allows everyone to become a member and enjoy the benefits. Among the benefits is to have your own business opportunity, which give everyone, the same earning capability. Even those who joined the company later can earn as much or even more than those who joined earlier. It totally depends on you how much you want to earn. Earning is unlimited and has no cap. IMG is a Franchised Business that you can Pass-On. In IMG, you OWN the Business as you don't have QUOTA, TIME-CARD, and BOSS. You are your own boss. And you can Pass-On the same capability to your family and friends. They can act as the b...

What fuels us to do our business every day? Why do we do what we do? We defined together with our children the answers to these questions.  We made our vision board to visualize the dreams we want to achieve doing our IMG Business. This was the very first step we did before we seriously embarked on our business. This was the starting point of our IMG Business.   We clearly defined Specific, Measurable, Aggressive, but realistic and time bounded (SMART-CY) goals, and our Compelling Y (why) or reasons why we would pursue this business.  We were more than equip on HOW we would do the business. But Fely and I believed that what would keep us in the business is our deeper WHY. The deeper the WHY, the deeper is our DRIVE and COMMITMENT. We believe that what we conceived in our mind, pray for deep in our heart, and declare to the universe will materialize all for the Glory of God! Our Top Ten  Compelling Reasons We have been doing our Dream Board as a family since 2009...

There are lots of families struggling to make both ends meet. A lot of people caught in the daily grind of JOB. I met people from different levels of the job ladder, and they all are good only in what they are doing but almost all of them are financially ignorant and is totally dependent on their job.  That was me in my past financial life and it pains me to see people suffer financial crisis which I went through myself.  That is why Fely, and I wrote this book to challenge everyone to pursue your own business regardless of whether you are in the early stage of your career or in your retirement year. Our current generation cannot survive with just a JOB. We all need to get into a business that can fully utilize our God given talents, passion and competencies.  We (Fely and I and you who is now reading this) are in the era of a fast-changing world that the financial solutions our parents did no longer apply. In the past, even just one of our parents working we were able to...

They Thought I Was Joking When I Told Them That I Have An International Financial Services Distribution Business  That  I Start-up Within 24 Hours  For Less Than 9999 Php... Until I Showed Them My Monthly Income of P253,340… PLUS: I Was Able To Generate PASSIVE INCOME! I want to help you increase your cash flow so you can provide for your family's needs today and for their future. I know how it is to be an employee practically shackled and totally dependent   on the 15th and 30th temporary income I received. I know how it feels to be financially struggling and wallow in debts. I have been in that very frustrating and desperate situation, and it is not pleasurable. I want you to be empowered to transform yourself to an entrepreneur, I want you to free yourself from the bondage of employment and be a business owner yourself and achieve financial independence and enjoy your retirement. I know it is also your goal to be a business owner and be financially free wheth...