Ryan Reyes, Financial Advisor - Prulife UK

Money TIPS:

■ Don’t bring your money with you.
■ Cook at home.
■ Buy your groceries in Public Market not in Malls weekly, not daily, not monthly. (Market: Ampalaya 50/kl vs Mall 147/kl)
■ Remove unimportant expenses.
■ Lower down the cost of your important expences. (Ex. Ganador 55/kl while Sinandoming 42/kl)
■ Buy your own tumbler and bring your own water. Avoid buying outside. (Natures Spring 500ml 15.00 while if you bring its FREE)
■ If you’re not in business don’t buy CAR.
COMMUTE: plete ka 8.00 x 2 x 26days = 416.00/month
WHILE:
CAR Expenses: 15k/month car + 5k/mo gas + 2k/mo parking = 22k/month
■ Always set aside 20-30% of your income to your Mandatory/Disciplined SAVINGS.

What makes us POOR is our bad spending habits.
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THE BIRDWINNER

The mother bird left the baby birds to find food for them. For some reason, she was taken out of the picture and wasn't able to get back. The babies got hungry for several days and eventually died.

Imagine, you're the mother bird. You risk your life to hustle everyday to provide food for your family. What if you'd be taken out of the picture unexpectedly? Who will provide food for them? Who will provide a quality life for them?

LESSON

Ensure a quality life for your family by having yourself, Healthcare, Life insurance, and Investment fellow breadwinners. 🙂

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FOUR STORIES TO START:
1. Nokia rejected Android.
2. Yahoo rejected Google.
3. Kodak turned down digital cameras.
4. Blockbuster rejected Netflix.
LESSONS:
1. Take risks.
2. Accept the change.
3. If you refuse to change over time, it will become obsolete.
TWO MORE STORIES:
1. Facebook takes over WhatsApp and Instagram.
2. Grab takes over Uber in Southeast Asia.
LESSONS:
1. Become so powerful that your competitors become your allies.
2. Reach top position and work smart with competition.
3. Keep innovating.
TWO MORE STORIES:
1. Colonel Sanders founded KFC at age 65..
2. Jack Ma, who couldn't get a job at KFC,
He founded Alibaba and retired at age 55
LESSONS:
1. Age is just a number.
2. Only those who keep trying will succeed.
FOR THE LAST BUT NOT LEAST IMPORTANT:
Lamborghini was founded as a result of the revenge of a tractor owner who was insulted by Enzo Ferrari, the founder of Ferrari.
LESSONS:
Never underestimate anyone, ever!
Just keep working hard.
Invest your time wisely.
Don't be afraid to fail.
CTTO

NO to "BAHALA NA" and to this misconception about Insurance!

👍 Life insurance is cheaper the younger and healthier you are.

😱 Wala namang masama mag imbak ng pera sa bangko pero ang tanong .125% per annum ang kikitain ng pera mo sa bank paano sasabay sa inflation rate or pagtaas ng mga bilihin? Kapag namatay ka the bank will charge estate tax bago makuha ng mga Mahal mo sa buhay halos hindi na kumita ang pera mo nabawasan pa.

😆 Mahal ba ang 1,000/month para sa savings and protection mo at ng pamilya mo? Kung di mo kayang magbayad ng 1k per month, paano mo kaya mababayaran ang hospital bill kapag nagkasakit ka?

❤️ Kung wala ka pang sariling pamilya aba emergency fund ba ang magulang mo kapag maaksidente o maospital ka? Protect your self and your parents too!

𝗖𝗢𝗠𝗠𝗨𝗡𝗜𝗧𝗬 𝗣𝗔𝗡𝗧𝗥𝗬 | 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗘𝗗𝗜𝗧𝗜𝗢𝗡

Ipinag-bibigay alam po sa lahat na araw-araw pong bukas ang ating tanggapan para sa mga nagnanais magpa-insure at ma-secure ang kanilang pamilya.

Simple lang po ang rules. 🌟🎯

𝗥𝘂𝗹𝗲 𝗡𝗼. 𝟭: 𝗞𝘂𝗺𝘂𝗵𝗮 𝗻𝗴 𝗮𝘆𝗼𝗻 𝘀𝗮 𝗽𝗮𝗻𝗴𝗮𝗻𝗴𝗮𝗶𝗹𝗮𝗻𝗴𝗮𝗻.

+++ As your financial advisor, we will be conducting a 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙉𝙚𝙚𝙙𝙨 𝘼𝙣𝙖𝙡𝙮𝙨𝙞𝙨 para ma-identify natin ang mga needs na kelangan mong paghandaan while you undergo different stages ng buhay mo:

🎯 Ikaw ba ay young single professional who aspires for your dream retirement?

🎯 Ikaw ba ay starting to build your own family who wants to save up for something?

🎯 Ikaw ba ay proud parents who wants to save up for education ng mga anak mo?

🎯 Ikaw ba ay breadwinner who wants to protect your income from uncertainties?

𝗥𝘂𝗹𝗲 𝗡𝗼. 𝟮: 𝗠𝗮𝗴𝗽𝗮-𝗶𝗻𝘀𝘂𝗿𝗲 𝗯𝗮𝘁𝗮𝘆 𝘀𝗮 𝗸𝗮𝗸𝗮𝘆𝗮𝗵𝗮𝗻.

+++ Yes, syempre! As your financial advisor, I would not recommend a plan na hindi mo kayang ma-sustain. Hindi tayo kukuha ng bato na ipupukol lang natin sa sarili natin. We will do assessment and make a 𝙋𝙚𝙧𝙨𝙤𝙣𝙖𝙡𝙞𝙯𝙚𝙙 𝙋𝙡𝙖𝙣 para sa'yo.
Madaming pipila dito for sure!

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📣📣📣 4 DAYS TO GO 📣📣📣

Till Debt do us Part ❤💍
May 15, 2021 | 3pm

Learn how to safeguard your marriage in the midst of financial challenges with Carmina nd Zoren Legaspi!

Tara, usap tayo.
We have wide range of insurance/investment na swak sa budget nyo

Usap tayo for you future 😊🥰🤔

Client: Hindi ako naniniwala sa Insurance.

Me: Mr. Client diba may kotse ka?

Client: Yes

Me: May spare tire kang dala?

Client: Yes

Me: Bakit ka may dala?

Client: Baka ma-flatan ako eh.

Me: Alam mo kailan ka maf-flatan?

Client: Hindi.

Me: Gusto mong ma-flatan gulong?

Client: Syempre hindi!

Me: Kapag na-flatan ka, anong mas gusto mo, may spare tire ka or wala?

Client: Syempre meron.

Me: Parang ganun lang ang insurance Mr. Client. Hindi mo pa gustong mawala. Hindi mo rin gustong magkasakit, ma-disabled, ma-aksidente at ma-confine. Pero kasi hindi natin alam kung kelan yang mga yan mangyayari eh. At kung sakaling mangyari ang isa sa mga yan anong mas gusto mo? Handa ka o hindi?

Client: Syempre yung handa ako.

Me: Oh halika pumirma ka dito ✍

Moral lesson: Dapat INDURED KA DIN tulad ng car mo 🙂

Five ?? To Ask before Buying