Juvie Aballe, Financial Coach

Sa KAISER 7 years ka lang na mag iipon pero lifetime ang benefits kaya wala kang pera na masasayang dahil ito "Ang IPON na walang TAPON". 3 in 1 investment pa!

1. May HEALTHCARE or HMO ka.
👉🏻 may magagamit pag nagkasakit.

2. May LIFE INSURANCE ka.
👉🏻 may maiiwan na pera sa pamilya kapag kinuha ni Lord ng maaga or ma disabled.

3. May INVESTMENT ka.
👉🏻 may pera ka na magagamit sa retirement or after policy maturity dahil ang pera mo ay naka invest din sa stock market.

Kung gusto mong maintindihan ang mga basic plans at paano ka makakapag uumpisa... mag direct message lang po para ma guide ka.
Start now habang bata pa at kaya mo pang mag ipon... dahil mahirap ang walang ipon lalo na sa panahon ng pagkakasakit.

Happy Investing!

Start now for your KAISER savings plan.
Message me 💌 now.

💡 Short Story: “Ang Bonus na Hindi Nauubos”

Si Marco, isang masipag na company worker, ay sobrang tuwa nang matanggap niya ang bonus mula sa company.
Dati, lagi niya itong ginagastos sa gadgets, kainan, at pasalubong.
Pero pagkatapos ng ilang linggo — ubos na naman. Walang natira, walang napala.

Hanggang sa isang araw, napaisip siya:

“Puro saya ngayon, pero paano kung magkasakit ako? Paano pag tumanda na ako?”

Doon niya nakilala ang Kaiser Long Term Healthcare Program — isang plan na hindi lang ipon, kundi proteksyon, investment, at healthcare sa iisang programa.

Na-realize ni Marco na hindi siya habang buhay malakas,
hindi habang buhay may sweldo,
at hindi habang buhay may bonus.

Kaya ngayong taon, imbes na mauubos lang ang bonus niya, nilagay niya ito sa Kaiser — at alam niyang bawat ipon ay may balik para sa kinabukasan niya.

✨ Ang bonus ay pansamantala, pero ang security at peace of mind ay pangmatagalan.

👉 Ikaw, saan mo ilalagay ang bonus mo?
Baka ito na ang sign para ilagay mo rin ang bonus mo sa Kaiser Long Term Healthcare Program —
para sa sarili mo, at para sa kinabukasan mo at ng pamilya mo. ❤️
ctto.

💸 How to Start Saving and GROWING MONEY?
Using IMG Platform and Kaiser 3-in-1 Savings Program
✅ 1. Make up your mind now!
The first step is a decision — that you want to get your financial future in order. It just takes commitment to start saving and learning.
✅ 2. Join IMG (International Marketing Group)
IMG is a financial education platform that gives you access to:
📘 Financial literacy classes
🏦 Access to trusted financial products
💼 Business opportunity for extra income
✅ 3. Start with Kaiser 3-in-1 Savings Program
This is your starter pack in the investment world!
✔️ May health insurance
✔️ May life insurance
✔️ May long-term investment
This is perfect for those who:
🔹OFWs
🔹 Breadwinners
🔹 Young professionals
🔹 Parents who want a secured future for their family
✅ 4. Attend free webinars and coaching sessions
You are not alone in your journey. You have a community of mentors and co-IMGs willing to help.
---
🌱 "You don't have to be rich to start investing. You just have to get started to get rich. "
📩 Message me to know how you can start even if you have a small budget. Let me help you build your solid financial foundation!

Bakit Kaiser Long Term Care ang the best healthcare para sa yo at pamilya mo?
Dahil ito ay 3 in 1 plan:
1. Healthcare - magagamit pag nagkasakit kaya walang pangamba sa hospital bills.
2. Insurance - may maiiwang pera sa pamilya ng kaiser member sakaling may mangyari sa kanya.
3. Investment - perang pwedeng maasahan sa pagtanda galing interest ng investment kaya hindi kailangang umasa kahit kanino.
Sa Kaiser Long Term Care may Peace of Mind tayo!
- Affordable premium depende sa edad
- Flexible payment terms (Annual, Semi-Annual, Quarterly, Monthly, Spot Cash)
- 7 years lang mag iipon pero protected ka hanggang pag tanda.
- Mas lumalaki ang ipon kung hindi magamit for hospitalization habang may HMO benefit pa sa company.
- Kahit saang panig tayo ng mundo pwedeng kumuha ng Kaiser Long Term Care!
Note: Edad 10 hanggang 60 ang pwedeng kumuha ng Kaiser Long Term Care.
Recommended Plan: K100 and Up.

Juvie Aballe, Financial Coach financial education isn't for the wealthy it's for everyone

Common Question: "Pwede bang kumuha ng Healthcare kung may sakit na? Yung magagamit agad pampa-ospital?”

Unfortunately, hindi po. It is best to get your own HMO plan during your productive years and being healthy is one of the requirements.

Kung provided ka ng HMO with your current company, that is good. However, you have to remember, you don’t own the policy, you cannot bring that when you resign/retire from your employer.
It is best to have your own personal HMO.

Gusto mo ng lifetime coverage? na kahit aabot ka ng age 100 ay may HMO kapa rin? Sagot ka ni Kaiser.

Message me for more details.
Juv Aballe/09660039788

Juvie Aballe, Financial Coach financial education isn't for the wealthy it's for everyone

𝟰 𝗥𝗲𝗮𝘀𝗼𝗻𝘀 𝗪𝗵𝘆 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗳𝗼𝗿 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗶𝘀 𝗜𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁

1. SSS is NOT enough - it will not sustain your medical bills and you will need to downgrade your lifestyle if you will depend on SSS alone.

2. INFLATION - Your 1 peso right now will have lesser value in the future.

3. YOUR KIDS are not your retirement fund - part of pagtanaw ng utang na loob culture. We need to break this culture of dependency. Let us not be a burden to our kids in the future.

4. WE LIVE LONGER - Imagine retiring at the age of 60 with no income then living until the age of 80, that's 20 years worth of expenses, 60 years old too far to imagine right? How about taking a vacation for a month with no SALARY?

Let us not depend on our Company's retirement benefit. What if you lose your job or your company go bankrupt?

There’s nothing secure in employment. Have your own retirement plan.

Let me help you always at your service. 💛

Ito ang dahilan kung bakit di ka nakakapag-ipon.

Tigilan na natin ang pagsasabi ng

"𝗔𝗻𝗴 𝘆𝗮𝗺𝗮𝗻 𝗮𝘆 𝗱𝗶 𝗺𝗮𝗱𝗮𝗱𝗮𝗹𝗮 𝘀𝗮 𝗹𝗮𝗻𝗴𝗶𝘁"

𝗨𝗻𝗮: Bakit? Pinapadala ba ito? Hindi naman diba?

𝗣𝗮𝗻𝗴𝗮𝗹𝗮𝘄𝗮: Di talaga yan dinadala, kasi iniiwan yan sa pamilya para di sila mag hirap.

𝗣𝗮𝗻𝗴𝗮𝘁𝗹𝗼: Di nadadala ang yaman pero maaari mo itong ipamana. Yung kahit alam mong wala kana pero di sila (pamilya mo) mahihirapan.

𝗣𝗮𝗻𝗴𝗮𝗽𝗮𝘁: Mabuti nang yaman ang meron ka bago ka umakyat sa langit, kesa naman utang.

Maraming tao, mamamatay nalang, pera parin ang problema.
Stop thinking na pag mayaman masama at pag mahirap mabuti.
Hindi tayo nagpapayaman para lang sa sariling kapakanan lang natin.
Nagpapayaman tayo para sa pamilya natin.
To give them the best life, the best future!
To give them the life that they deserve!

𝗕𝗲𝗶𝗻𝗴 𝘄𝗲𝗮𝗹𝘁𝗵𝘆 𝗶𝘀 𝗮 𝗰𝗵𝗼𝗶𝗰𝗲.
𝗦𝘁𝗮𝘆𝗶𝗻𝗴 𝗽𝗼𝗼𝗿 𝗶𝘀 a choice.
ctto♥️

Kaya kilos kilos and work harder po tayo 🔥

"Coach ano ba dapat ko unahin? Insurance plan? heathcare? investment? Gusto ko sana lahat eh pero limited ang budget ko."

For someone na walang idea, mahirap talaga kung saan magsisimula. Ang tip ko dito? WORK WITH WHAT YOU HAVE.

Hatiin mo ang budget na ilalaan mo para sa parehas. Habang bini-build mo ang Emergency fund mo, kumuha ka ng term plan. Mas mura ito at mas sustainable. Pag kaya mo na, doon ka magdagdag.

ito ung sitwasyon ko 6 years ago hindi ko alam ano uunahin specially maliit lang ang budget ko.

kaya nagstart muna ako sa Longterm healthcare ng kaiser kasi nasagot niya ung tatlo na pinoproblema ko.

✅What if die too soon? Solution - Insurance para may makukuha yung family. hindi ko man naipon nung buhay may naiwan man lng sa family incase maaga nawala ☺️

✅ What if live too long? Solution - Investment
as long as healthy ako at di ko naman ginagamit siya as healthcare pwede ko siya maging investment pagtanda.

✅ What if get sick? Solution - Healthcare
habang nagiipon ako sa heathcare pwede ako mag pa Annual physical Exam / Dental Benefits. (sabi nga Prevention is better than cure) pero in case may may emergency may magagamit sa hospital

ngayon tapos na ako magipon sa longterm healthcare mas nakakafocus na ako sa iba pang financial vehicle na gusto ko pang pag lagyan 🙂

Kaya importante ang Financial Education para aware tayo sa purpose ng ibat ibang financial instrument.

I hope this tip helped you guys! ☺️

if you want to learn more about personal finance
send me a message
👉 Juvie Aballe

Aballe @highlight