Bright Lives Matter

𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗔𝗗𝗩𝗜𝗖𝗘 𝗧𝗢 𝗬𝗢𝗨𝗡𝗚 𝗔𝗗𝗨𝗟𝗧𝗦

This advice can help you achieve financial independence and early retirement. Apply it for a year, and you'll learn a lot. 😎

From 2.3M hospital bill down to 39,000 pesos ! ! ! ❤️❤️

Receiving “Get well soon” when sick is good, but I think receiving a “Million cheque” is the best.

𝗦𝘁𝗮𝗿𝘁 𝘆𝗼𝘂𝗿 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗮𝗻𝗱 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗡𝗢𝗪 𝗯𝗲𝗳𝗼𝗿𝗲 𝗶𝘁 𝗯𝗲𝗰𝗼𝗺𝗲𝘀 𝘁𝗼𝗼 𝗹𝗮𝘁𝗲. 𝗔𝘀 𝘆𝗼𝘂𝗿 𝗳𝘂𝘁𝘂𝗿𝗲 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗯𝗮𝘀𝗲 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻 𝘁𝗼𝗱𝗮𝘆.

Send me a PM so I can give you a free quote. 💬

Do you know that the average "out-of-pocket" share for hospitalization in the Philippines is 60%?

Meaning if si Juan ay na-ospital at nagkaroon sya ng medical bill na 100k, 60k ang amount na kanyang babayaran sa ospital at yung natitirang 40k ay isshoulder ng kanyang health insurance, may it be from Philhealth, SSS or personal health insurance.

But, do you know also that there's only 2% ng mga Pilipino ang merong private/personal health insurance?

68% of the total population naman ay umaasa lamang sa health insurance na maibibigay ng Philhealth & SSS, which I believe, and I know that you will agree with this, that is NOT ENOUGH.

There are almost 1.5M Filipino families that are being pushed to poverty because of health-care expenditures yearly.

HMO plans and government-initiated programs and benefits MAY STILL NOT BE ENOUGH to support one's medical needs as hospitals may charge even more.

The purpose of this post is not to scare anyone, but to INFORM. If you feel like you need to reinforce your health insurance plan, take action and talk to your trusted Financial Advisor today!

(c) The Wealth Work Out

Kamustang mga itlog mo?🥚🍳
Nasa iisang basket din ba?

Same goes to your money/savings.
How do you save?
Do you put all your savings in the bank? OR
Do you diversify your savings into Emergency fund, Retirement fund, Investments (stocks, real estate etc), Insurance, HMO, Short term/Long term savings?

"Its always best and wise not to put all your hopes and resources(be it in investing or in life as a whole) to a single option." 🌞

Many of us wish to step back and enjoy the good life in our senior years. This is why retirement planning is important.

𝗧𝗢𝗣 𝟭𝟬 𝗥𝗘𝗧𝗜𝗥𝗘𝗘 𝗠𝗜𝗦𝗧𝗔𝗞𝗘𝗦 𝗧𝗢 𝗔𝗩𝗢𝗜𝗗

When you’re young, you have a lot of time but little money. In your working years, you have money but little time. Such conundrum is the reason why retirement is something that a lot of people are really looking forward to because it enables us to finally enjoy both our time and our money all at the same time.

But it’s not all rainbows and butterflies upon retirement - there are still many things that can go wrong financially. It’s best to be informed so that you’ll know what to anticipate and avoid when you retire. Here are the top 10 mistakes of retirees:


1. 𝗦𝗵𝗼𝗿𝘁 𝘁𝗲𝗿𝗺 𝗼𝗿𝗶𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻. The fact is, you will probably live about 15 to 20 years more upon retirement (even longer hopefully). As such, you will still need to grow some of your money and invest a portion on some 𝙜𝙧𝙤𝙬𝙩𝙝-𝙤𝙧𝙞𝙚𝙣𝙩𝙚𝙙 𝙞𝙣𝙫𝙚𝙨𝙩𝙢𝙚𝙣𝙩𝙨 like equity funds. While it is advisable to reduce the percentage of your portfolio in more 𝙧𝙞𝙨𝙠-𝙤𝙧𝙞𝙚𝙣𝙩𝙚𝙙 𝙞𝙣𝙫𝙚𝙨𝙩𝙢𝙚𝙣𝙩𝙨, don’t totally remove them.


2. 𝗙𝗼𝗿𝗴𝗲𝘁𝘁𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗶𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻. Inflation will not retire just because you did. 𝙔𝙤𝙪𝙧 𝙧𝙚𝙩𝙞𝙧𝙚𝙢𝙚𝙣𝙩 𝙛𝙪𝙣𝙙𝙨 𝙬𝙞𝙡𝙡 𝙨𝙩𝙞𝙡𝙡 𝙣𝙚𝙚𝙙 𝙩𝙤 𝙜𝙧𝙤𝙬 𝙩𝙤 𝙘𝙖𝙩𝙘𝙝 𝙪𝙥 𝙬𝙞𝙩𝙝 𝙞𝙣𝙛𝙡𝙖𝙩𝙞𝙤𝙣; which is why I recommended investing in some equity funds during retirement.


3. 𝗣𝘂𝘁𝘁𝗶𝗻𝗴 𝗮𝗹𝗹 𝘆𝗼𝘂𝗿 𝗲𝗴𝗴𝘀 𝗶𝗻 𝗼𝗻𝗲 𝗯𝗮𝘀𝗸𝗲𝘁. The rule on investing still applies during retirement: 𝙙𝙞𝙫𝙚𝙧𝙨𝙞𝙛𝙮. Maintain a healthy portfolio of cash, money market investments, bonds or bond funds, and a small portion on equity or equity funds.


4. 𝗦𝗽𝗲𝗻𝗱𝗶𝗻𝗴 𝘁𝗼𝗼 𝗺𝘂𝗰𝗵, 𝘁𝗼𝗼 𝘀𝗼𝗼𝗻. A common behavior among retirees is they rush into a spending spree. Retirement to others is liberating and the urge to live beyond your means is a very strong temptation. Don’t rush. You still have a lot of time, so take it slow.


5.𝗦𝗶𝗺𝗽𝗹𝗶𝗳𝘆𝗶𝗻𝗴 𝗲𝘀𝘁𝗮𝘁𝗲 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴. You probably will need more than just a will. 𝙍𝙚𝙩𝙞𝙧𝙚𝙢𝙚𝙣𝙩 𝙞𝙨 𝙖 𝙜𝙤𝙤𝙙 𝙩𝙞𝙢𝙚 𝙩𝙤 𝙘𝙤𝙣𝙨𝙞𝙙𝙚𝙧 𝙨𝙤𝙢𝙚 𝙨𝙚𝙧𝙞𝙤𝙪𝙨 𝙚𝙨𝙩𝙖𝙩𝙚 𝙥𝙡𝙖𝙣𝙣𝙞𝙣𝙜. Learn about the many ways you can plan for your estate.


6. 𝗡𝗼𝘁 𝗽𝗿𝗲𝗽𝗮𝗿𝗶𝗻𝗴 𝗳𝗼𝗿 𝗺𝗲𝗱𝗶𝗰𝗮𝗹 𝗲𝗺𝗲𝗿𝗴𝗲𝗻𝗰𝗶𝗲𝘀. 60 or 65 is still a relatively young age, so the need for medical concerns is not yet taken seriously. However, while the spirit is still willing, the body is not and it will be good to provide for a time when we will experience physical ailments.


7. 𝗡𝗼𝘁 𝗿𝗲𝘃𝗶𝗲𝘄𝗶𝗻𝗴 𝗳𝗶𝗻𝗮𝗻𝗰𝗲𝘀 𝗮𝗻𝗱 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁. The need to 𝙙𝙤 𝙖 𝙥𝙚𝙧𝙞𝙤𝙙𝙞𝙘 𝙧𝙚𝙫𝙞𝙚𝙬 𝙤𝙣 𝙛𝙞𝙣𝙖𝙣𝙘𝙚𝙨 𝙖𝙣𝙙 𝙞𝙣𝙫𝙚𝙨𝙩𝙢𝙚𝙣𝙩𝙨 should be a primary concern of any retiree. While it is not a good idea to worry too much, being too carefree is not a prudent thing to do. As I said earlier, you still have a long time to go.


8. 𝗥𝗲𝗹𝘆𝗶𝗻𝗴 𝗼𝗻 𝘀𝗼𝗰𝗶𝗮𝗹 𝘀𝗲𝗰𝘂𝗿𝗶𝘁𝘆 𝗮𝗹𝗼𝗻𝗲. Seriously? SSS is meant for a retiree to survive, not for a retiree to enjoy his retirement. Do the math - 𝙣𝙤 𝙤𝙣𝙚 𝙘𝙖𝙣 𝙡𝙞𝙫𝙚 𝙖 𝙙𝙚𝙘𝙚𝙣𝙩 𝙡𝙞𝙛𝙚 𝙬𝙞𝙩𝙝 𝙟𝙪𝙨𝙩 𝙎𝙎𝙎 𝙗𝙚𝙣𝙚𝙛𝙞𝙩𝙨.


9. 𝗠𝗮𝗸𝗶𝗻𝗴 𝗿𝗶𝘀𝗸𝘆 𝗺𝗼𝘃𝗲𝘀 𝘄𝗶𝘁𝗵 𝗺𝗼𝗻𝗲𝘆. While I recommend that a retiree should still be investing, going into high risk or speculative endeavors might not be a really good idea.


10. 𝗪𝗼𝗿𝗿𝘆𝗶𝗻𝗴 𝘁𝗼𝗼 𝗺𝘂𝗰𝗵. Alas, while prudence is key during retirement, fear is a very crippling mindset. So long as you follow common sense and have done your best in preparing for retirement, try to relax as this is what retirement is all about. If you are always fearful that your wealth will not be sufficient during your retirement, you may not live long enough to actually enjoy that wealth.



In anything about life, balance is key. You have to prepare properly for retirement but you need to enjoy it as well. 𝙉𝙤 𝙢𝙖𝙩𝙩𝙚𝙧 𝙬𝙝𝙖𝙩 𝙝𝙖𝙥𝙥𝙚𝙣𝙨, 𝙞𝙩 𝙞𝙨 𝙞𝙢𝙥𝙤𝙧𝙩𝙖𝙣𝙩 𝙩𝙝𝙖𝙩 𝙗𝙮 𝙩𝙝𝙚 𝙩𝙞𝙢𝙚 𝙩𝙝𝙚 𝙚𝙢𝙥𝙡𝙤𝙮𝙢𝙚𝙣𝙩 𝙞𝙣𝙘𝙤𝙢𝙚 𝙝𝙖𝙨 𝙨𝙩𝙤𝙥𝙥𝙚𝙙, 𝙮𝙤𝙪 𝙨𝙩𝙞𝙡𝙡 𝙝𝙖𝙫𝙚 𝙖 𝙢𝙤𝙣𝙚𝙮 𝙨𝙤𝙪𝙧𝙘𝙚 𝙩𝙤 𝙩𝙖𝙠𝙚 𝙘𝙖𝙧𝙚 𝙤𝙛 𝙗𝙞𝙡𝙡𝙨 𝙖𝙣𝙙 𝙚𝙭𝙥𝙚𝙣𝙨𝙚𝙨 𝙩𝙝𝙖𝙩 𝙙𝙤 𝙣𝙤𝙩 𝙚𝙣𝙙. Ultimately, it is best to secure an insurance that can cover for your 𝙧𝙚𝙩𝙞𝙧𝙚𝙢𝙚𝙣𝙩 𝙣𝙚𝙚𝙙𝙨.


CTTO:
By: Randell Tiongson-RFP

𝗔𝗦𝗞 𝗠𝗘 𝗛𝗢𝗪!

PREPARE FOR YOUR IFs & FUTURE NOW! 💛

GET 𝐏𝐑𝐎𝐓𝐄𝐂𝐓𝐄𝐃 AND YOU WILL GET 𝗦𝗔𝗩𝗜𝗡𝗚𝗦 TOO! 🛡️💰

✔️𝟭,𝟱𝟬𝟬 𝘁𝗼 𝟯,𝟬𝟬𝟬/𝗺𝗼𝗻𝘁𝗵𝗹𝘆

Enjoy these benefits:

✅ 𝗟𝗜𝗙𝗘 𝗖𝗢𝗩𝗘𝗥𝗔𝗚𝗘: When something happens to the insured, his/her beneficiary (family) will get the proceeds (death benefit) of the plan. (May pamana kana sa family mo asside sa assets mo)

✅𝗧𝗢𝗧𝗔𝗟 𝗗𝗜𝗦𝗔𝗕𝗜𝗟𝗜𝗧𝗬 𝗕𝗘𝗡𝗘𝗙𝗜𝗧: If the insured will be disabled (maybe due to accident or sickness) the premium will be waived.

✅ 𝗔𝗖𝗖𝗜𝗗𝗘𝗡𝗧 𝗗𝗘𝗔𝗧𝗛 𝗕𝗘𝗡𝗘𝗙𝗜𝗧: When the insured demised due to accident, additional payment will be given to his/her beneficiary aside from the death benefit.

✅ 𝗔𝗖𝗖𝗜𝗗𝗘𝗡𝗧 𝗗𝗘𝗔𝗧𝗛, 𝗗𝗜𝗦𝗠𝗘𝗠𝗕𝗘𝗥𝗠𝗘𝗡𝗧 & 𝗗𝗜𝗦𝗔𝗕𝗟𝗘𝗠𝗘𝗡𝗧 𝗕𝗘𝗡𝗘𝗙𝗜𝗧: If the insured get into an accident and some parts of his/her body will get amputated (mawalan ng parts of the body like kamay, fingers, paa), he/she will receive additional payment.

✅ 𝗖𝗥𝗜𝗧𝗜𝗖𝗔𝗟 𝗜𝗟𝗟𝗡𝗘𝗦𝗦 𝗕𝗘𝗡𝗘𝗙𝗜𝗧: When the insured get diagnosed with critical illness or undergo surgery that is on the lists (ex. Cancer, Coma, Stroke), he/she will received additional payment. He/She can use this benefit for his medication and treatment.

✅ 𝗛𝗢𝗦𝗣𝗜𝗧𝗔𝗟 𝗜𝗡𝗖𝗢𝗠𝗘 𝗕𝗘𝗡𝗘𝗙𝗜𝗧: If the insured will be hospitalized (maybe due to sickness or injury), he/she will receive a daily cash. If get admitted to ICU, the daily cash will be doubled.

PLUS
✅ 𝗙𝗨𝗡𝗗 𝗩𝗔𝗟𝗨𝗘/𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧: Portion of the insured's money will be invested in stock market. Overtime it will grow and returns are higher than the banks if the performance of the market is good. The proceeds of this maybe used as your Retirement fund, Business fund or Educational fund for your children etc. (This is NOT GUARANTEED since the market is volatile.)

WHO CAN AVAIL THIS PLAN?
✅ 𝗔𝗚𝗘 : 𝟬 𝗧𝗢 𝟲𝟱 𝗬𝗘𝗔𝗥𝗦 𝗢𝗟𝗗

Hospital Bills are way much scarier than ghosts if you get sick. 👻☠️

Your hard earned money, savings and even assets could get drained in a blink of an eye to cover your hospital bill.

But if you're wise enough to prevent these from happening, YOU'LL GET YOUR HEALTH PROTECTION NOW to cover up your future uncertainties! Better prepare now than sorry.

With some of the Sun Life's Health Protection products, you'll get the following benefits:

✅Preventive Wellness Benefit
✅Critical Illness Benefit
✅Hospital Income Benefit
✅Specific Cancer Booster Benefit
✅Treatment and Rehabilitation Booster
✅Life Insurance Benefit
✅Paid-up Bonus and Dividend Earnings
✅Guaranteed Cash Benefits

For Inquiries: Talk to Advisor CJ Now!📞
Drop Your Queries Now!

SINGLE? NOT YET A BREADWINNER?
Eventually if you have your own family soon you will be a breadwinner. Wag mong sabihin pati pambuhay ng pamilya mo, iaasa mo pa sa parents mo? 🤔

Protect yourself and your family's future by getting insured now.

Talk to ADVISOR CJ NOW 📞

Get Insured Now! 🌞

Talk to Advisor CJ! 📞

For your peace of mind whenever life uncertainties come.

10 SIGNS NA FINANCIAL STABLE KANA! 👌

ITS NOT ABOUT HOW BIG OR SMALL YOUR INCOME IS, ITS ALL ABOUT PRIORITIES, DISCIPLINE AND HABIT ON MANAGING YOUR MONEY. 💵💸💰