Fatima Cuizon, Financial Educator

The most important financial product you need to have today is HEALTHCARE.

We all know that...
👉 PhilHealth is not enough.
👉 Short-term healthcare is not enough.

We all know that...
👉 VUL is not a healthcare plan.
👉 Hospital Income is not a healthcare plan.
👉 Critical Illness benefit is not a healthcare plan.

We all know that...
👉 Asking for help on Facebook is not enough.
👉 Soliciting is not enough.

You might end up selling your properties, withdrawing all your money, acquire a lot of debt just to pay the hospital bills.

That's why it's very important to start building up your long-term healthcare savings starting today.

Kaiser Long Term Care

A 3in1 savings program that has healthcare, life insurance and investment. You only need to save for 7 years and you're lifetime covered with healthcare.

✅ If you think healthcare is expensive, try getting sick without it.
✅ Iba pa rin kapag may peace of mind... And you don't want to become a burden to your family and friends, right?

Time is our greatest ally in building wealth 🙋🏻‍♀️
A lot of older people are playing catch up saying "bakit ngayon ko lang nalaman ang tungkol dito, andami ko nang pera na nasayang."

Start today, while you still can. ❤️👌🇵🇭
Ask me how😊🤗🙋‍♀️

Proof of life on my page.

If your husband is an OFW, find a tree and hug it. Why? I dunno as well. I just did.🤣 Kidding aside, long distance relationship is not for everyone. Especially if you don't have a strong foundation and if Jesus is not the center of your marriage. May God continue to bless you and your spouse. Praying you a thriving marriage even if you are not physically together always.

PS: Make a good financial plan to fund all your goals esp your retirement funds. So your spouse can go home for good. Cut the distance. Plan and act on it.👍8982jf.imgcorp.com

Our kasambahay for more than 5yrs handed me this 2,000 pesos as she bid goodbye to return to Manila para mamasukan bilang family helper.

Her: Janelle, lagi kong nakikita yung mga post mo about sa insurance. Hindi ko alam yun at hindi ko naiintindihan pero baka pwede mo ako isali may natira pa akong pera dito mula sa sweldo ko buong taon.

I was surprised with what she said cause to give you a background she was only able to finish until grade 1 and can barely read and write.

Me: Sige po auntie. Sure ka na dito? Diba ipapagawa mo pa yung mga sira sa bahay niyo?

Her: Oo, tinabi ko talaga yan para pag nagkita tayo maabot ko sayo at ma explain mo sakin.

And her next words really broke me.

“Tulungan mo naman ako na wag na matulad sakin yung mga anak ko at apo ko. Ilang henerasyon na din kaming namamasukan simula pa noon sa nanay ko at nung bata ako. Gusto ko maiba naman buhay ng mga iiwanan ko”

Grabe! 🤧 Nag goosebumps ako sa sinabi niya.
I was straight up stunned for five seconds absorbing what she said.

I hate working on holidays but at that very moment, I immediately picked up the application form as I explain to her the proposal na pinagkasya ko sa budget and told her na if kulangin, we will cover for the deficit.

Just imagine, thousands of filipinos out there na gustong mabago ang situation nila but financial illiteracy hinders them. My heart and advocacy are with these people.

Si Auntie our helper, barely making ends meet, breadwinner, slowly paying debts, worked for her lifetime, but has a really big heart for her family’s future.

Walang degree pero wais! 💯

For the record, this is my most favorite story as an advisor.

Mabuhay mga breadwinners!



Ctto.

Huwag na nating hintayin ang 10 years bago natin ma-realize ito. Sadyain po nating mag-ipon at mag-invest. Kahit 1k/month lang pag properly invested, may 5.8M ka pa rin after 35 years. Kung gusto mong mabilis maabot ang goals mo, taasan mo rin ang ipon mo at taasan mo rin ang level of discipline sa sarili.

Be financially educated and have mentors para well-guided tayo.
God bless you!💚
Visit this link to know more: https://8982jf.imgcorp.com

December is a season of giving. Remember to also give yourself the gift of financial security by saving and investing.

Hindi po tayo forever makakapag-work. Kaya mag-ipon at invest.😊

Start planning now to turn your finances around while you're still young! Watch the 36th episode of Your Money Matters tonight, October 20 at 8:00 PM! And join Ms. Rissa Singson-Kawpeng as she give insightful conversation with the IMG Top Financial Experts, EMD Felise Charmaine Santiago, SMD Fatima Cuizon, and EMD Jaymark Balabis. These millenials will talk about Money Sense for the Millenials that help them achieve financial freedom at a young age.

Influence your mind with the right attitude towards finances by watching Your Money Matters Episode 36: Don't Wait Til It's Too Late: Money Sense for the Millenial!

WATCH IT HERE: https://youtu.be/Vmn9LuAwGrk 👈

This payday Friday, remember that... 👇👇👇

Make your salary count by budgeting it well, saving and investing some portion.
8982jf.imgcorp.com

Questions I always get asked...
Do you sell mutual fund investments?
Do you sell stocks?
Do you sell life insurance?
Do you sell Kaiser Longterm HMO?
Do you sell non-life insurance?

My answer.
No. I sell peace of mind. If you build your finances with strong foundation (having income protection, short and long term HMO, growing investments and life changing business), will you feel secured? Will you have peace of mind?

It doesn't matter where you start. What matters is where you want to go and the price you are willing to pay toget there.
-Mr. Rex Mendoza, CEO of Rampver Financials , IMG's Mutual Fund Partner

Kailangan lang consistent ka sa saving at investment goals mo para maabot mo ito on time. Stay financially disciplined while enjoying the present.💕

Money vs Happiness.

I've read this beautiful life lesson from Steven Jacobs...

An old man meets a young man who asks:

“Do you remember me?”

And the old man says no. Then the young man tells him he was his student, And the teacher asks:

“What do you do, what do you do in life?”

The young man answers:

“Well, I became a teacher.”

“ah, how good, like me?” Asks the old man.

“Well, yes. In fact, I became a teacher because you inspired me to be like you.”

The old man, curious, asks the young man at what time he decided to become a teacher. And the young man tells him the following story:

“One day, a friend of mine, also a student, came in with a nice new watch, and I decided I wanted it.

I stole it, I took it out of his pocket.

Shortly after, my friend noticed the his watch was missing and immediately complained to our teacher, who was you.

Then you addressed the class saying, ‘This student's watch was stolen during classes today. Whoever stole it, please return it.’

I didn't give it back because I didn't want to.

You closed the door and told us all to stand up and form a circle.

You were going to search our pockets one by one until the watch was found.

However, you told us to close our eyes, because you would only look for his watch if we all had our eyes closed.

We did as instructed.

You went from pocket to pocket, and when you went through my pocket, you found the watch and took it. You kept searching everyone's pockets, and when you were done you said ‘open your eyes. We have the watch.’

You didn't tell on me and you never mentioned the episode. You never said who stole the watch either. That day you saved my dignity forever. It was the most shameful day of my life.

But this is also the day I decided not to become a thief, a bad person, etc. You never said anything, nor did you even scold me or take me aside to give me a moral lesson.

I received your message clearly.

Thanks to you, I understood what a real educator needs to do.

Do you remember this episode, professor?

The old professor answered, ‘Yes, I remember the situation with the stolen watch, which I was looking for in everyone’s pocket. I didn't remember you, because I also closed my eyes while looking.’

This is the essence of teaching:

If to correct you must humiliate; you don't know how to teach.”

A lot of people wanted success. But they often forget that success needs change from within - change in mindset, in habits, in words and in desires. They wanted success but are so afraid to get out of their comfort zones.

In short, they sabotage their own success. Don't be one of them. It's not yet too late to start having the right mindset. Save and invest for a better future.