Rem Arroyo De Guzman, Financial Advisor

Reinvesting my passive income from my other side hustle being a financial educator.

"Kapag may isinuksok, may madudukot"
Sabi nga, your will not harvest the fruit on the day you planted the tree...Tanim ng tanim darating ang time may aanihin

Very applicable in our everyday lives, kaya tuloy lang huwag mapagod, huwag magsawa, huwag tumigil. Lahat may mgandang kapalit sa huli sa mga nagtitiyaga.

KAISER ULTIMATE HEALTHCARE BUILDERS PLAN

GOOD NEWS for OFWs.
Mag-ipon lang ng 7yrs in one plan. May HEALTHCARE, LIFE INSURANCE at INVESTMENT ka na. The best ipon na walang tapon.

𝑯𝒐𝒘 𝑫𝒐𝒆𝒔 𝑲𝒂𝒊𝒔𝒆𝒓 𝑳𝒐𝒏𝒈-𝑻𝒆𝒓𝒎 𝑯𝒆𝒂𝒍𝒕𝒉𝒄𝒂𝒓𝒆 𝑾𝒐𝒓𝒌?
👉It’s a 3-in-1 product that solves the 3 major financial needs of Filipinos:
❤️LONG TERM HEALTHCARE
❤️ DEATH AND ACCIDENT INSURANCE
❤️INVESTMENT

3 PHASES OF LONG-TERM CARE PERIOD:

1️⃣. 𝑨𝒄𝒄𝒖𝒎𝒖𝒍𝒂𝒕𝒊𝒐𝒏 𝑷𝒆𝒓𝒊𝒐𝒅 (7 𝒚𝒆𝒂𝒓𝒔)
You start saving for 7 years while getting the following benefits:
✔️- Free Annual Physical Exam
✔️- Free Dental Benefits
✔️- Waiver of Installment due to death
✔️- Transfer of investment to beneficiary if planholder dies
✔️- Waiver of Installment due to disability
✔️- Basic Medical Benefits
✔️- Member’s choice of room and board
✔️- with Annual Benefit Limit (starting at 50,000/year depending on the plan)
✔️- Life insurance equivalent to contract price
✔️- Accidental Death and Dismemberment for 20 years
✔️- Lifetime network access to over 500 major hospitals and pool of doctors.

2️⃣. 𝑬𝒙𝒕𝒆𝒏𝒅𝒆𝒅 𝑷𝒆𝒓𝒊𝒐𝒅 (13 𝒚𝒆𝒂𝒓𝒔)
As a health savings product, the funds are invested and allowed to grow at an average rate of 10% yearly. You stop paying and wait for the money to grow thru compounding interest. Kaiser invests in mutual funds handled by Soldivo and Rampver Financials. Benefits include:
✔- Same as the accumulation period but all health/hospital benefits will be deducted from your Kaiser fund.
✔- Additional Health Bonus when the market is at top performance
✔- All diseases covered including pre-existing conditions, critical illnesses, dreaded diseases, and maternity/childbirth.

3️⃣. 𝑳𝒐𝒏𝒈-𝒕𝒆𝒓𝒎 𝑪𝒂𝒓𝒆 𝑷𝒆𝒓𝒊𝒐𝒅 (𝒃𝒆𝒚𝒐𝒏𝒅 20 𝒚𝒆𝒂𝒓𝒔)
Upon maturity, the plan holder will receive the following benefits:
✔- Total accumulation of un-used health funds
✔- Guaranteed longterm care benefit or the plan coverage
✔- Long term care bonus (up to 85% RETURN of premiums/moneyback when no claims are made during the accumulation period or within the first 7yrs.
✔Additional health benefits when the market is at top performance
✔ Receives visa card where the funds are deposited

Options upon maturity:
☝🏻Withdraw all the money.
☝🏻Withdraw a portion/interest only and growth continues.
☝🏻Retain all and let it grow at an average of 10% Yearly.

📌Kaiser covers your medical bills when you're sick. But when you're healthy, Kaiser saves and invests your money for future use.

❎ This is NOT your traditional healthcare where you pay every year, but has no returns/savings when you don't get sick.

📌The Kaiser long term plan covers beyond 60yrs old & above based on the health funds accumulated.

Get Your Kaiser HealthCare Plan Now Before It’s too late‼️

Some says.
"𝗡𝗘𝗫𝗧 𝗧𝗜𝗠𝗘 𝗡𝗔𝗟𝗔𝗡𝗚, 𝗗𝗔𝗠𝗜 𝗣𝗔 𝗚𝗔𝗦𝗧𝗢𝗦"

While others says.
"𝗦𝗔𝗡𝗔 𝗣𝗔𝗟𝗔 𝗡𝗔 𝗣𝗥𝗜𝗢𝗥𝗜𝗧𝗜𝗭𝗘𝗗 𝗞𝗢 𝗧𝗢 𝗕𝗘𝗙𝗢𝗥𝗘! 🥹"

𝘉𝘶𝘺 𝙇𝙄𝙁𝙀 𝙄𝙉𝙎𝙐𝙍𝘼𝙉𝘾𝙀 𝘸𝘩𝘦𝘯 𝘺𝘰𝘶 𝘥𝘰𝘯'𝘵 𝘯𝘦𝘦𝘥 𝘪𝘵.
𝘊𝘰𝘻 𝘰𝘯𝘤𝘦 𝘺𝘰𝘶 𝘯𝘦𝘦𝘥 𝘪𝘵, 𝙔𝙊𝙐 𝘾𝘼𝙉'𝙏 𝙂𝙀𝙏 𝙄𝙏.

You're not dealing with 𝗠𝗘, you're dealing with your 𝗧𝗜𝗠𝗘, your 𝗛𝗘𝗔𝗟𝗧𝗛, and your 𝗠𝗢𝗡𝗘𝗬.

Start yours today with me as your lifetime financial advisor! 💯

Few hours before 2022 Ends ..let me share some financial tips

2023 FINANCIAL TIPS from Chinkee Tan

1. Huwag kang bumili nang mamahaling cellphone. Dahil laging may bagong lalabas na new model na mas higit pa sa nabili mo. 📱

2. Huwag kang mangungutang para lang may maipagyabang. Kung mangungutang ka man, gamitin mong puhunan sa negosyo para lumago 💼

3. Huwag kang masilaw sa mga naka-sale o free delivery. Kahit gaano pa kamura yan, sayang lang kung itatambak mo at hindi mo magagamit.

4. Huwag kang bumili ng bagay na hindi mo pa afford. Pag-ipunan mo ito hanggang sa kaya mo nang bayaran in cash. Sayang ang interes kung ipapangutang mo lang 👔

5. Ipunin mo ang pera kahit pabarya-barya. Kapag pinagsama-sama mo yan malaki ang maiipon mo kaysa wala. Tandaan na walang isang libo kung kulang ng piso. ⌚

6. Huwag kang mamasyal kung ipapangutang mo lang. Pag-ipunan mo muna ang travel fund. Mahirap mamasyal nang may inaalalang utang dahil hindi ka mag-eenjoy. 👙

7. Huwag ka munang bibili ng kotse kung hindi mo ito pagkakakitaan. Lalo na kung wala kang parking space. Tandaan na nagde-depreciate ang value nito pagtagal🚗

8. Huwag kang bibili nang bahay kung hindi mo pa afford bayaran. Dapat ay may budget ka pa rin sa mga appliances at iba pang expenses. Maraming bayarin bukod sa bahay 🏫

9. Needs = Mga bagay na kailangan mo para mabuhay nang maayos. Wants = Mga bagay na kahit wala ang mga ito ay mabubuhay ka naman. Kaya laging unahin ang needs over wants.

10. Tandaan na hindi masama kung ikaw ay maging Kuripot dahil ang pera mo ay hindi pinupulot 🗂️

Wrong mindset

Repost and create awareness ✍🏻

📣LIVING BENEFIT CLAIM: NOV 10, 2022‼️

Today I wanted to share something important to me. This is my living benefits check I received for $403,978.31. I bought a life insurance policy from my friend Ying Pao Lee. This was only about 2 or 3 years ago. Robert Her, who is a representative for Freedom Equity Group company, helped me with the claims process. This is my story I wanted to share.

Back in August of 2022, I was hospitalized and diagnosed with end stage kidney failure. I suffered severe fatigue and shortness of breath. I never thought anything could happen to me even at the age of 30.

I started a new job in September as an engineer and worked 2 days only to get hospitalized again. My employer let me go. Now I’m on dialysis treatment to keep me alive. The process takes 4 hours, 3 times a week. Sometimes I need help like carrying items or walking. There were even a couple of times where I passed out.

My job and income are gone. Any ambitions or dreams gone. Now I must deal with my illness every day for the rest of my life. I couldn’t believe it. Then I remembered what Robert shared with me about how living benefits can help those who become ill. I called Robert and asked him to help me with the claims process.

Despite my setback with the illness, I’m so happy I got my policies early. Without it, I wouldn’t have the options or the right state of mind to be where I am today. Thank you to Ying Pao Lee for giving me the opportunity to protect myself and thank you to Robert Her for helping me with the claims process.

There was a time where I was a life insurance agent myself. I wanted to share this so people can be aware and protect themselves. A lot of times we take things for granted. We delay what’s important. We don’t believe it until something happens to us or someone we know. No one is certain of what the future holds. Don’t wait until it’s too late. I am the living proof that what I have been saying was correct.
———

➡️ INVEST IN YOUR HEALTH NOW

Message me if want to start now.

Many Pinoys are made to believed that gov't programs like GSIS and SSS are already enough to sustain their retirement.

Comfortable retirement goal amount should be: Annual Income X 20

Hindi pa kasali ang inflation at tax nyan..
Inflation doubles every 5-7 years.

Let's do the math ..
so ilang 5-7 years pa ang aantayin mo bago ka mag reretire at pagdating ng retirement mo, tingin mo ang P17K na pension mo ay kasya na sayo? pang maintenance lang yan ng gamot.. diba kakain ka pa.. saan ka kukuha pambayad ng pang medical check up mo at saklap kung magkakasakit ka?

Ang sarap cguro na hindi na natin iaasa sa ating kapatid, anak o kamag-anak kung ano man ang kulang.

Peace of mind ika nga ang napakagandang regalo na mabibigay natin sa ating sarili at sa kanila.

Kaya, responsibilidad po nating planohin ng mabuti ang ating retirement kasi di talaga natin mapipigilan na tatanda at tatanda tayo.
Kung may SSS at GSIS ka na, mas mabuting dagdagan mo eto ng ibang programa para ma achieve mo ang iyong financial goals ng hindi kinukulang.

Learn from this post😔😔😔

True story,,Edit ko name niya for her privacy, Freind ko siya noon sa fb,kaso block niya ako now unblock ulit ako dahil sa matinding pangangailangan niya😢😢😢

MINSAN bawat post ko mag react ng tawa,Kasi siguro natamaan ang ego nila kasi totooo,para hindi nila naintindihan kung anong nais iparating ko sa kanila,,
Nagulat ako sa natanggap kung balita,masabi kung 1 of my fans ko sa bawat post ko siya lagi mag react at mag comments tinatawanan paako, naalala ko pa noon,sagut niya saakin nako ate, may philhealth na ako, at SSS, may bahay na at Lupain na ako, Ok na yun kuntinto na ako, Minsan inis na siya saakin kasi ang kulit ko sa kanya😁😁pero di lang kasi nya naiintindihan ano ang gusto kong iparating sa kanya, at di lang para sa kanya para sa pamilya niya, at ito na nga,gusto ko siya matulungan, pero huli na, kasi,Ang kaiser3&1 dapat kumuha na habang may trabaho kapa at malakas kapa , kasi balang araw, Kapag huli na ang lahat kaiser3&1 na ang aayaw sayo😢
Walang any companies in the market ang papayagan ka mag bayad ngayon ng 88 pesos at gastosan ka nila bukas ng 800k dahil may sakit ka na.
Kaya dapat save as early as you can, get your health care when you are healthy bot when you are sick and already in bed.
Hindi po para sa akin kung ano man ang itinuturo ko sa inyo, ito ay para sayo at sa pamilya mo.
Be financially educated
Start saving now

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Imagine, ang hulog mo lang sa life insurance mo ay Php 2,000.00
Suddenly, nagkasakit ka, nadisable o nawala. Your loved one gets Php 1,000,000.00 and uses it to continue chasing his dreams as if you never stopped supporting him.

Gustong matuto how to invest and receive dividend from investment.

Lets talk🙂

How To Be Jollibee's Partner?

Buy a Franchise:

About 20-30 Million pesos is needed. But only few of us have this big money.

Buy a share of stocks:

Look for a broker so you can access the Philippine stock market. 5 k to 20 Thousand is the initial when opening the account, need to fill up the form, submit the requirements and wait for approval. It has charges for broker on your initial and every time you buy shares.

𝗠𝗮𝗴𝗶𝗻𝘃𝗲𝘀𝘁 𝘀𝗮 𝗠𝘂𝘁𝘂𝗮𝗹 𝗙𝘂𝗻𝗱 𝗩𝗶𝗮 𝗜𝗠𝗚 𝗠𝗲𝗺𝗯𝗲𝗿𝘀𝗵𝗶𝗽 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀:

This is the cheapest and simplest way for Newbies who want to start investing in the stock market, Be a member and enjoy the benefits including the Mutual fund investment, for only 1 pesos in your entry, there are 10 companies already shares of stock you have already bought and including Jollibee. There is FREE training and support to guide you, Zero-entry fee every time you buy shares and this is the bonus with 100 K personal accident insurance and unlimited medical check up.

Do you want to know more about How to have IMG Mutual Fund account portal?

Join our online free webinar thru zoom👍😊
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