Lloyd's Insurance Agency Management Corporation

. Yung imbes pera ang maipon mo, taba ang naipon mo, if not, utang. Anyare? 🤣 Okay nga eh kasi feeling mo advance ka mag-isip dahil matagal mo na plano mag-ipon. Actually, hanggang ngayon plano mo pa rin siya 📆. Paano ba ang tamang pag-iipon? Yung tataba ang wallet mo imbes yung mukha mo? 😭

1). Find the Culprit. Knowing what your SPENDING TRIGGERS are and how to deal with them is a key component of good spending habits. It can be any places, situation or person kung saan hindi mo maiwasan gumastos. Keep things in moderation. Baka naman kasi kakatapos mo pa lang mag add-to-cart kahapon eh mag add-to-cart ka ulit today?

2). Stay True to Your Goals: Setting some ATTAINABLE, short-term financial goals is a great way to keep the good momentum. Baka naman kasi gusto mo kagad magka kotse eh hindi ka pa nga marunong mag-drive? Remember, great things always come small. Rather than taking shortcuts, put all your effort into doing it.

3). Track Your Spending: Yung iniwasan mo na lahat ng SPENDING TRIGGERS mo pero hindi pa din sapat ang ipon mo? Perhaps you don’t know where your money goes. By tracking your expenses daily, you can also control costs and find ways to make more money. Imagine spending most of your income on your debt and the remaining half on your needs? Good luck naman kung maka-ipon ka.

If you know how to SPEND money, dapat mo rin paano mag-SAVE. Whether you're saving money or cutting your expenses, hindi mo ito magagawa kung nasa maling kamay ka. The best option would be if you actually do it instead of just talking about it. Double Your Income. Minimum of 100K ONLY! Borrow up to 2 MILLION. Pay 0.88% ONLY. Message us~!

May kilala ka bang kumikita kahit nasa bahay lang? Eh yung kumikita kahit tulog? 😱 Ang mga tao nagtatrabaho para kumita ng pera, but given the chance gusto rin nilang magkaroon ng TIME para gawin ang gusto nila. In theory, that is possible with the power of leverage. Leveraging works kapag mas malaki ang kinikita mo kesa sa ininvest mong ORAS.

The Law of Leverage involves duplicating yourself using other people’s time, and resources. Once you’ve mastered the concept of leverage, magkakaroon ka ng maraming oras, better fitness, and financial freedom.

Ang tanong. PAANO? Do I have to work 24/7? Need ko ba mag-hire ng sangkaterbang empleyado? Definitely NOT. If you aren't using leverage then you are working harder, but you don’t always get what you deserve.

1). Duplicate Yourself in Business. Do you insist on doing everything yourself? I totally get it. However, you can’t physically do it all on your own. If you want to succeed in business you should share your knowledge and capabilities with others para magawa nila kung ano ang ginagawa mo. Actually, any company with employees does this principle. Few other examples of businesses that entail law of leverage are restaurants, retail stores, salons, and different types of franchising. Kung mababa naman ang babayarang mong monthly interest, bakit hindi ka mag-branch out?

2). Make Your Money Work for You. Law of leverage is also applicable to any career-oriented individuals. Kumikita ang pera nila from something they are NOT materially involved. It’s more like working smart to save precious energy for things that are most critical to their success.

The idea behind this principle is to improve productivity, whether it be business or investment. In this case the best deal is right in front of you. Borrow up to 2 MILLION. Pay 0.88% ONLY. Double Your Income. Minimum of 100K ONLY! Message us~!

Many of us are creatures of habits. Kung gumastos eh parang wala ng bukas. Walwal now, nga nga later. Unfortunately, that also means we tend to avoid thinking about the future. Remember, hindi araw araw pasko. Whether natanggal ka sa trabaho, or may nangailangan sa family mo, now more than ever, mahalaga na may emergency fund ka para sa mga hindi inaasahang pangyayari.

1). Job Loss: Many are currently at risk of losing their job. In fact, they are all just ONE PAYCHECK AWAY from being poor if not HOMELESS. Imagine if nawalan ka ng trabaho for some/whatever reason. Ideally, your emergency fund should cover at least three months' worth of your living expenses.

2). Unplanned Business Expenses: Every business needs an emergency fund to cover unexpected expenses, whether they are the result of a slow sales period or a lawsuit.

3). Medical Emergency: Many serious health problems and accidents often come when we LEAST EXPECT them.
While Health Insurance covers the expenses incurred towards treatment, having extra cash on the other hand helps pay for other expenses such as foods, essentials, transpo, etc.

4). Family Emergency: Birth of a newborn, school miscellaneous ni bunso, naputulan ang nanay ng kuryente, ilan lang ito sa mga kadalasang nararanasang problema sa pamilya, kaya kailangan mo ng savings.

5). Epidemics and Natural Disasters: No matter how cautious you are, these unprecedented events will catch you off guard. It has a major impact on mental health. Kaya bago ka pa ma-praning, mag-SAVE ka na.

Building up those emergency funds will give you so much PEACE OF MIND. Save for tomorrow! Message us~!

Yung sinusubukan mong mag-ipon kaso bigla kang may nagustuhan bilhin? Next time you find yourself buying something you want, try these 3 smart techniques to help you DISTRACT yourself from spending.

1). STOP for a moment. .
The 30 day life hacks work by killing that URGE to spend your money on the things you want. The ultimate goal is to give yourself some time to think.

2). LOOK at the positive side of things. .
Sabi nga nila, “Good things come to THOSE who wait”. Habang nag-aantay ka, chances are may nakita kang mas MURA or mas OK, or hindi kaya biglang nagbago ang isip mo. By waiting patiently, you can save yourself from disappointment.

3). LISTEN to yourself. .
Pagkaraan ng halos isang buwan at hindi mo pa rin mapigilan ang sarili mo, go for it! At least you tried.

Jim Rohn once said, “discipline is the bridge between goals and accomplishment.” Kung hindi mo alam kung PAANO maisasakatuparan ang iyong mga plano, you won't be able to accomplish much. Lloyd’s has a PLAN for your future!
Message us~!

Nag aalala ka ba sa future mo? Kailangan mo magkaroon ng DIREKSYON sa buhay.

Minsan papasok talaga sa isip mo na “Ano ba ang nasa hinaharap ko? Ganito na lang ba talaga ang buhay ko? Kayod ng kayod pero walang naiipon?”

Lahat ng nangyayari sa buhay mo ngayon ay resulta ng mga desisyon at ginawa mo. If you want to live a better life then it's your responsibility to make SMART decisions.

A BRIGHT future begins HERE.

4-in-1 Financial BUNDLED Plan:
✅ Unli Access to Finance: The more you BORROW, the more you can DO.
✅ Unli Growth. The more you SAVE, the more you EARN.
✅ Unli Earning Opportunities: The more you INVEST, the more you MAKE.
✅ Extended Protection Coverage: Bundling your personal and family insurance means big SAVINGS.

Furthermore, if you were a premium holder, you may be eligible for living benefits. .

The living benefit allows you to build up a CASH value that GROWS overtime that you can make use of habang buhay ka pa.

Fair enough? Stop complaining. Do something. Message us~!

Ilang oras na lang, Chinese New Year na! Busy na naman ang mga kababayan nating Filipino-Chinese sa paghahanda sa pagpasok ng Year of the Water Tiger. Kasabay ng pagdiriwang ang mga pamahiin mula sa tradisyon ng mga Chinese bilang pampaswerte at pag-iwas sa malas sa buong taon. Nandiyan ang pagpapagupit ng buhok sa bisperas ng bagong taon, paglilinis ng bahay, dragon and lion dancing tradition, pagpapa-feng shui, atbp na pinaniniwalaang nagdadala ng “luck”. Speaking of which, maraming Intsik na mayaman sa Pilipinas. Ano ba ang sikreto nila?

1). Hindi Sila Takot Magnegosyo. Ang mga Pinoy, kahit may puhunan, takot parin mag-negosyo. Simply because tayo po ay may doubt. Baka malugi, kaya ko ba, at kung anu-anu pang bagay na negatibo. But what if we’re wrong? Paano kung mag-click?...You never know unless you try. Isa ang mga kababayan nating Fil-Chi who started SMALL and became BIG.

2). Madiskarte Sila. They don’t rely on a single source of income. There are always uncertainties like job loss, pagkakasakit, this pandemic. Kaya karamihan sa mga Intsik maraming pinagkukunan ng pera. Because they practice spreading their investments around otherwise known as “diversification”.

3). Matipid Sila. People outside the Filipino-Chinese community see them as “kuripot”. People who are reluctant to spend in a good way are not “madamot”, they save because it is vital. Saving money provides financial security and freedom and secures you in a financial emergency.

“…Luck is the result of your own efforts or abilities. Ang mga pamahiin mula sa tradisyon ng mga Chinese ay nagsisilbing gabay lamang. Ngayong Year of the Water Tiger, let’s think POSITIVE and have an OPTIMISTIC outlook.

Save MORE and do MORE by making 5% savings annually. OR spend less when you loan up to 2 Million at 0.88% interest per month. Message us~!

Kung Hei Fat Choi!!

May gusto ka bang bilhin? Paano yan? Critical wallet days na at matagal pa ang sahod mo? Chances are gagalawin mo yung savings mo, or gagamitin mo yung credit card mo, or uutang ka. Malamang eto sagot mo “bahala na si Batman”. Ikr.

People usually say “Bahala na” when they act quickly with no thought to the consequences. We all engage in impulsive behavior from time to time, especially when we have MONEY. Aminin, madaling gumastos kaysa mag-save. What IF something unexpected happens? Wag mo ipagbahala yan. How?

1). . Budgeting allows you to create a spending PLAN. It ENSURES that you will always have ENOUGH money for the things you really need beforehand. Hindi yung iaasa mo lang kay Batman. That is because, unlike in the movies, reality does not conform to your fantasies.

2). Take Only Enough Money You Need. Madalas ka ba mapagastos ng wala sa oras? Swipe ka siguro ng swipe. To STOP spending more than you can afford, it is a good practice to leave your credit or debit card at home.

3). Bring A Friend when You Shop. Pansin mo, wala kang nabibili kapag kasama mo yung friend mong kontra ng kontra sa tuwing may bibilhin ka? This is certainly a good indication na makakatipid ka if you CAN’T control your spending.

Control starts with clarity. Madalas ipinagsasawalang-bahala lang ng marami ang paggastos, whether it be saving money or borrowing money, dahil wala silang mahanap na magandang options. In this case we are certain na hindi ka na magsasawalang-bahala. Borrow up to 2 MILLION. Pay 0.88% ONLY. Double Your Income. Minimum of 100K ONLY! Message us~!

The vast majority of people in the world get their primary source of income from having a job. However, many people have MORE than one source of income. . For example, having a business, receiving regular cash remittances, or having investment. They are all GOOD. But having MORE than one stream of income makes a difference. Dahil magkakaroon ka lang naman ng FINANCIAL FREEDOM. Paano mo ba masasabi na meron ka nito? When you DON’T need to work for money anymore.

Making your money work for you means taking control of your finances, then using that opportunity to achieve FINANCIAL SECURITY. But in order to do so, you have to start doing things a little DIFFERENTLY. Fortunately, if others can do it, so can YOU. Here are some TIPS on HOW to improve your financial health.

1). Spend Less Than You Earn. The first step to taking control of your finances is making a budget. A cash budget is an estimation of the cash inflows (pumapasok) and outflows (lumalabas) for a business. The more expensive your business will become, the greater the chance of failure. Wala ka kasing naiipon. Ideally, a good cash flow for a business should be fairly close to 60%. Indicating that your business has a level of profitability. Sadly, mahal ang bilihin sa panahon ngayon at mataas ang interest. Kung gusto mong maka-SAVE, kailangan mong humanap ng alternatibo.

2) Build Your Income. Don’t rely on one income. Begin to invest. Investing allows you to GROW your wealth but also leverage your income . Leveraged income is where you do the work once and you get paid repeatedly for doing the work. When you invest money, your earnings are reinvested to generate additional earnings each year. Compounding.

3) Protect Your Wealth. Life can change in a moment, with inflation on the rise, and this pandemic, everything remains UNCERTAIN. So it is good to be PREPARED para hindi MAUBOS ang yaman mo. Insurance provides a cost-effective way to protect you, your family and your business. Moreover, what you accumulate may be able to supplement your retirement income.

Ang negosyo o trabaho, parang buhay, minsan nasa baba, minsan nasa taas. Ang mahalaga, umuusad ka, kahit dahan-dahan lang. With the help and support of Lloyd's, it’s all within your reach. Borrow up to 2 MILLION. Pay 0.88% ONLY. Double Your Income. Minimum of 100K ONLY! Message us~!

Nakahanda ka ba sakaling isang miyembro ng pamilya ang tamaan ng Covid? So far, Covid-19 is mostly making it worse. Iba’t ibang variant ang lumalabas: Delta, Omicron, and the list goes on. Many people will test positive. Habang bumibilis ang pagkalat, maraming negosyo ang nagsasara, at maraming breadwinners and nawawalan ng trabaho.

At this time of uncertainty, kailangan READY ka. Fortunately, life insurance can provide your loved ones with necessary resources in their time of need.

1). It Brings Peace of Mind. Having life insurance can help CALM your worried mind knowing that you’re COVERED in case something unexpected happens. Remember your mental health is an important part of your well being particularly in times like this. Imbes na tayo ay mag alala bakit hindi nalang tayo gumawa nang step para mawala ang pag-aalala natin?

2). It Protects Your Savings. A life insurance policy can help ensure your family’s savings won’t get DEPLETED over a single emergency. Don't get caught off guard by unexpected expenses, you can avoid it by starting to finance these unexpected expenses.

3). It’s a Good Investment. Whether you're in your early twenties or forties, investing in insurance is a great choice. Bakit kamo? Buying life insurance at a younger age will always be CHEAPER. Moreover, If held long enough, what you accumulate may be able to supplement your future retirement income.

Sa panahong ito ng pagsubok, sikapin natin na magkaroon ng katiyakan. Ask HOW. MESSAGE US~!

Yung kaka mamaya mo inabot na ng isang taon. Yung totoo? Kung hindi ngayon, kailan pa? Mañana ka rin eh noh? Ang Mañana ay salitang espanyol na nangangahulugang "kinabukasan" o "mamaya na lang”.

This habit shows our culture's lack of sense of URGENCY which is most true especially to younger generations. Dahil dito nagiging mas tamad ang isang tao kaya naman HINDI natatapos ang isang bagay sa takdang oras. Add to the fact that modern technology promotes a more SEDENTARY lifestyle, laging nakaupo. Some people think that it is because of hot weather in the Philippines. Kahit ang bayaning si Dr.Jose Rizal yan din ang sinasabi. Na ang pangunahing sanhi ay ang mainit na singaw ng panahon.

Pero diba tayo ring mga Pinoy ang nagsasabi na “Kung gusto, maraming paraan, kung ayaw, maraming dahilan”? How to break this bad habit?

1). Stop Procrastinating. Ganito ka ba? Yung imbes nakabili ka na, nakatulog ka na, naubos lang ang oras mo kakapili ng ia-add to cart sa Shopee? Part of the reason WHY we procrastinate is because we are afraid to fail. In order to STOP procrastinating, kailangan mo muna panghawakan ang mga goals mo at matutunan how to keep small issues from negatively affecting your goals.

2). Avoid the Triggers. Minimize your triggers by avoiding certain situations and behaviors such as CHEAT DAYS and Walwal Now, Iyak Later. As the name implies, it is a day on which you are allowed to break your RULES. Something to keep in mind if you want to achieve something, there is no reason to cheat.

The mañana mentality is considered a BAD Filipino practice because this affects the mood, decision power, and most of all, the OPPORTUNITY that may only come ONCE in a lifetime. So do it NOW before it’s too late. Save MORE and do MORE by making 5% savings annually. OR spend less when you loan up to 2 Million at 0.88% interest per month. Message us~!

Uncertainty is all around us, the pandemic, increase in INFLATION, and current and future market conditions, everything remains UNCERTAIN. While many things remain outside your control, it is important to have a RIGHT MINDSET para malampasan mo ang mga pagsubok na haharapin mo. Kabilang na rito ang PAGHAWAK ng PERA. Sabi nga nila, kung ano ang itanim, siyang aanihin.

1). Saving Can Give You FREEDOM. In public health emergencies gaya ng Omicron surge sa bansa, people are more willing to save money rather than spending it. Because when you have SAVINGS you can do what you want without stress. In fact, ayon sa ulat ng 24 Oras last January 10, 2022, “Nitong mga nakalipas na araw, kaunti na lamang ang lumalabas batay sa luwag ng traffic at foot traffic sa mga shopping malls” Takot kasi magkasakit ang mga tao dahil MAHAL maospital.

2). Saving Provides Financial Security. Hindi habang buhay kaya mong magtrabaho. Kaya dapat mag-SAVE ka habang bata pa if you want your future self to have the same GREAT lifestyle you have now. It is suggested that you put money into something like a HIGH YIELD SAVINGS account that rewards you with a HIGHERinterest rate. Dito pwede ka kumita ng 5% per annum.

3). Saving Can Open Doors of Opportunities. Part of the importance of saving money is to raise capital for your startup. Halimbawa mawalan ka ng trabaho, you can explore NEW opportunities gaya ng pagsisimula ng isang negosyo. Dipping into your personal savings is probably the easiest way to get it off the ground. Alternatively, you may need ADDITIONAL CAPITAL to expand operations so you can take advantage of a new opportunity.

Maganda mag-Save di ba? If you’re convinced as to WHY you should save money in 2022, we have the following OPTIONS for you: 1st option: Do MORE with your money by making 5% savings annually. 2nd option: spend LESS when you loan up to 2 Million at 0.88% interest per month ONLY! Message us~!

Na-sales talk ka na ba? Yung may nakita kang isang bagay na kahit wala ka namang planong bilhin, nabili mo bigla? Businessmen understand their customers. Kaya kuhang kuha nila ang kiliti mo.

There is a lot more to marketing than just advertising. Dahil bukod sa mga advertisement, nariyan rin ang iyong DAMDAMIN that TRIGGER you to buy a product or service. Pero sa huli, nasa kamay mo ang DESISYON. Narito ang LIMA na mungkahi para MAKONTROL ang iyong paggastos.

1). Calculate Your Salary. A good way to make a choice whether to buy or not is to calculate your salary. 50-30-20 rule can help you to decide well and manage your expectations. The 50-20-30 rule is a money management technique na naghahati sa sahod mo into three categories: 50% for the essentials, 20% for savings and 30% for everything else. Pagkaraan mong ma-compute ang sahod mo, malalaman mo kung KERI ba ng BULSA mo o bilhin ang gusto mo hindi?

2). Kick Your Shopping Habit. Gusto mo ba mag-SAVE kaso nahihirapan ka? Kung maka Shopping ka kasi wagas. Shopping without the ability to stop can be a form of addiction. For some people, if they're feeling sad, shopping will make them happier because it restores some control in their lives. Next time you feel the urge to shop, pause for a moment and ask yourself may SAVINGS pa ba ako? Apektado na ba nito ang future ko? It will help you identify any problems in need of addressing.

3). Say No to Negative Peer Pressure. According to Forbes, “People often feel the need to keep up with the most modern technical gadgets, and to keep up with the images that we are exposed to every day in the media. This, in turn, impacts how we spend our hard-earned dollars.” The most basic way to respond to peer pressure is to just say 'no’ like you mean it. For example, say, “I have a family to feed, not a community to impress”.

4). Choose Positive Friends. You tend to hang around people that you have something in common with. Yung mga taong mahilig mag , mahilig maki , mag -to-cart. You might be good friends with someone, but down the line, hindi ka na makasabay. Your friends should accept you for who you are. If you feel like they pressure you, make some new friends.

5). Borrow Wisely. Consumers can get a loan for just about anything they want to purchase. Buying a car and house would be the most obvious choice. But before you try to secure loans or funding, you’ll want to do your research. Avoid high-interest lenders with short-term loan options. Mamaya hindi mo pala kayang bayaran, eventually mahahatak lang ang sasakyan o maforclose yung bahay.

Aminin mo, mas nakaka ENJOY mag-shopping kung walang iniisip. Sa Lloyd’s, you can save MORE, borrow MORE, and do MORE dahil kikita ka ng 5% per annum dito at maari kang mag-loan ng up to 2 Million at 0.88% per month ONLY! Message us~!