Money Plan

Did you know?

Starbucks offers a generous benefits package to their employees, including providing healthcare to employees who work 20 hours a week or more. In fact, according to Howard Schultz, Ex-CEO of the company, Starbucks spends $300 million annually on healthcare, which is more than what they spend on coffee beans.

KUROT PRINCIPLE ✨

Ano ‘yung Kurot Principle? Ay, ang ganda nitong Kurot Principle na ito. To better understand this, I will tell you a story of a person na balak bumili ng cellphone worth P1,000. Nagkataong mayroon siyang P100,000 na savings. Puwede ba siyang bumili ng cellphone? Puwede, kasi yung P1,000, kurot lang ‘yon sa kanyang savings.

May pangalawang taong balak bumili ng cellphone. Ang bibilhin niya ay worth P1,000 din. Mayroon siyang savings sa bangko na P1,000. Bumili siya ng cellphone. Anong tawag dun? Dakot na ‘yun! Dinakot lahat ang pera niya!

May pangatlong tao, balak bumili ng cellphone, pero walang savings. P1,000 lang naman ‘yung bibilhin niya. Bumili siya. Anong tawag ‘dun? Utang na ‘yun!

Ang tanong: ano’ng prinsipyo ang ginagamit mo sa buhay mo? Kurot, dakot, o utang?

Magtataka pa ba tayo kung bakit tayo naghihirap o baon sa utang? Ang gagaling nating dumakot! Ang gagaling nating umutang! Gusto mong yumaman? Starting today, matutong kumurot. Kapag may bibilhin, dapat kinukurot lang! Nagkakaintindihan ba tayo? Kapag ginawa mo ito, pangako, yayaman ka.

Pag-aralan nating muli ang mga pinakamayayaman sa Pilipinas, ang Chinoy. Again, bakit sila mayayaman? Ang gagaling nilang… kumurot! Tayo ang gagaling nating… dumakot! Sasampolan kita…

Pinoy vs. Chinoy Businessman

May dalawang negosyanteng nagsimula ng kanilang negosyo, isang Pinoy at isang Chinoy. Ang capital nila pareho ay P100,000.

Sa unang buwan, si Pinoy, kumita ng P10,000. Ano ang iniisip bilhin? Cellphone. Si Chinoy, kumita rin ng P10,000. Ano ang gagawin niya? Idadagdag niya sa puhunan.

So magkano na ngayon ang puhunan ni Chinoy? P110,000! Si Pinoy, P100,000 pa rin, pero may bago siyang cellphone. Ang ganda!

Ituloy natin. After a few months, maganda ang takbo ng negosyo. Si Pinoy kumita ng P50,000. Ang Pilipinong may P50,000, ano ang balak bilhin? Bibili siya ng home theater, DVD, at LCD TV! Si Chinoy, kumita rin ng P50,000. Anong gagawin niya? Idadagdag uli sa puhunan niya. Magkano na ang puhunan niya? P160,000 na!

A few months later pa, ang Pinoy kumita ng P150,000! Ang Pilipinong mayroong P150,000, ano ang balak bilhin? Second-hand na kotse o pang-downpayment sa bagong kotse. Ang Chinoy, may P150,000. Ano’ng gagawin niya? Idadagdag sa puhunan! Magkano na ang puhunan niya? P310,000!

Buwan-buwan, si Pinoy kumikita. Dagdag siya ng dagdag ng gamit. Magkano ang puhunan niya? P100,000! Si Chinoy, buwan-buwan kumikita. Ano ang ginagawa niya? Dagdag ng dagdag sa puhunan niya. One day, Chinoy was able to save P1 million! So ginawa niya, he approached one supplier and said, “Supplier, kung bibili ako sa‘yo ng worth P1 million, bibigyan mo ba ako ng discount?” Hulaan mo kung ano ang sasabihin ng supplier. “Of course, ang dami mong bibilhin, kaya bibigyan kita ng additional 5% discount!”

Ngunit naisip ni Chinoy, “Hindi naman yata maganda na sa akin lahat ang 5%. Ang gagawin ko, bibigyan ko ang customers ko ng 3% discount at sa akin na lang ‘yung 2%.” Ibig sabihin, bababa ang presyo ng kanyang mga ibinebentang produkto.

It just so happened na magkatabi ang tindahan ni Chinoy at ni Pinoy. Pareho sila ng mga produktong ibinebenta. Given the situation, kanino kayo bibili? Kay Chinoy, because it’s cheaper. Ano ang mangyayari sa negosyo ni Pinoy? Malulugi na. Kasi mas mahal ang kaniyang produkto. Ano ang gagawin niya? Ibebenta niya ‘yung kotseng nabili niya ng P150,000. Sino ang bibili? Siyempre, ang maraming pera, si Chinoy. Tatawaran pa ni Chinoy ang kotse ng P80,000. Dahil gipit na si Pinoy, kahit palugi ay ibebenta na rin niya. Si Chinoy ngayon ay nagkaroon ng kotse na murang-mura lang!

After a few months, mauubos din ang P80,000 ni Pinoy. Ano ang susunod na gagawin ni Pinoy? Ang home entertainment niya ay ibebenta na rin. Magkano? P20,000 na lang. Sino ang bibili? Si Chinoy. Darating ang araw na pati ang cellphone ni Pinoy ay ibebenta na niya. Magkano niya ibebenta? P2,000 na lang! Isang araw, magsasara na ang negosyo ni Pinoy. Ano ang gagawin niya? Malamang, magtatrabaho na lang siya kay Chinoy. Ito ang kuwento ng bansang Pilipinas!

Naalala mo pa ba noong araw, mas mayayaman ang mga Pinoy kaysa sa mga Chinese. Bakit nagbago? Ano ba ang problema natin? Dakot kasi tayo ng dakot! Sila, kurot lang ng kurot!

Mayroon kaming naging participant before na nagsabi, “Sir, hindi naman totoo ‘yan! I know a Chinoy, he drives a BMW. That’s a P5 million car! Kurot ba ‘yun?” Malamang kurot ‘yun! Noong binili niya ‘yun, mayroon na siyang P100 million na savings! So kurot lang ‘yun! Nandiyan ka pa ba?

Isang Kahig, Isang Tuka

Saan ka makakakita ng mga taong isang kahig, isang tuka? Saan? Sa squatters area? Magtigil ka! Gusto mo’ng makakita ng mga taong isang kahig, isang-tuka? Sa Ortigas, sa Makati, may makikita ka.

What do I mean? Kapag hindi ka sumuweldo ng isang buwan, mabubuhay ba ang pamilya mo? Kung wala kang credit card, kung mawalan ka ng trabaho ngayon, ilang araw ang aabutin para mabuhay ng matino ang pamilya mo? Kapag nawalan ka ng suweldo, patay ka!

Ang mga Chinoy, kahit hindi muna kumita o magnegosyo, mabubuhay ng maganda. Bakit po? Kasi many years ago, kumahig sila ng kumahig at tumuka lang konti. Kaya marami sa kanila ngayon, tuka na lang ng tuka. Maraming Pinoy, kapag hindi tayo kumahig, wala tayong tutukain.

Ito ang masakit–sometimes, kahit matanda na tayo, kahig pa rin tayo ng kahig. Gaano karaming Pilipino ang 60 years old na ay trabaho pa rin ng trabaho? Puwede ba, simula ngayon, kumahig ka nang kumahig at iwasan munang tumuka. I-deprive ang sarili ng kaunti.

Ang pinakamasakit sa lahat ay ito–one day, you want to work, but you cannot work. You are already old. Why? Nagpakasasa ka kasi noong bata ka pa. Inubos mo na lahat ng lakas at kalusugan mo sa bisyo.

Tanong: Masama ba’ng bumili ng mahal? Sagot: Hindi! Basta kinukurot lang! Kapag nakakita ka ng kasamahan mong naka-Nike shoes, huwag mong husgahan kaagad iyong tao! Malay mo, kinurot lang niya iyon. At the end of the day, what is happening to other people is not important. What’s more important is what is happening to you.

The Bible says in 1 Thessalonians 4:11, “Make it your ambition to lead a quiet life. You should mind your own business and work with your hands, just as we told you.”

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Familiar ka ba sa INFLATION RATE?⁉️

❗️Higher inflation will raise the cost of living. Inflation raises prices, lowering your purchasing power. It also lowers the values of pensions, savings and treassury notes.

Let us beat the Inflation by Investing today!

Protect your Financial Goals!
-education for kids
-build your own business
-dream house
-dream car
-retirement
-funds for the future

✅ Talk to a Sun Life Financial Advisor now! ✨

Message me NOW.
Gieselle Asendente - Sunlife Financial Advisor

If you do not know how to care for money, money will stay away from you.
-Robert Kiyosaki

Be grateful💕

CONGRATULATIONS sa lahat ng Pi Network users! CRYPTOCURRENCY WITHOUT ANY CAPITAL!

Malapit na ang Phase 3 so it will possibly be included on crypto exchanges!! Big win para sa mga Pioneers who were able to MINE FOR FREE!! Since mag kaka value na sya, it will possibly be traded at 1USD to 10 USD.

For me, better to wait until magka value at ma launch na sya sa exchanges but if you want to use your Pi coin to buy stuffs na, some merchants are already accepting Pi as a mode of payment to buy their goods, you may check this: https://thepilifestylemarket.com/

Again and again, this is an awesome earning and mining experience in just 5 secs. log in lang everyday! Swak para sa mga taong gusto mag try to venture into mining coins and does not have enough time to do it! Eto yung maganda: FREE LANG ito for now!

Pi Price: .678 USD as of yesterday (Dec. 04, 2020)
Usd to Php today: 48.11
Iou Pi: 3,292

This is how to compute: .678 (Traded value for the day x 48.11 (Exchange rate of USD to PHP) x Iou Pi = Value

Value: 107,380,37 php

*How much more pag tapos na ang last phase?

-------------INSTRUCTIONS TO REGISTER BELOW-------------
Let’s watch and participate where Pi will go.

1. To join, download the Pi Network App
https://minepi.com/Gesfernandez

2. My invite code: Gesfernandez
You have to be invited to be able to join. Use my code then. 🙂

Notes:
1. Make sure you use your real name and that you verify your account. 🙂

2. Click the lightning button every 24 hours to mine

5 Ways to Save Money

Before you go on a shopping spree for 11.11 sale, ask yourself have you bought all these 4 PRODUCTS yet? 🤔

These few months at home, many of us are doing a lot of online shopping. But how many of us really spend our hard earn money on financial products that can give us a peace of mind?

Well… maybe 5%? Maybe not at all?

You see nobody likes to talk about death… nobody likes to talk about illnesses… nobody likes to discuss about what happens if an accident occurs and you’re unable to work… and nobody would IMAGINE the amount of people who lost their jobs this year. 😢😢

But! We are seeing incidents like this happening around us every day and we probably try to convince ourselves saying “This will not happen to me!”

There is also a group of people who actually tried to research a little about insurance and got confused when they try to buy insurance because it seems like there are thousands of products, am I right?

Let me share with you:

=== The 4 TYPES Of Insurance Products ===

You see, at the end of the day there are effectively only 4 TYPES of insurance products you can buy and the best time to buy it is TODAY. ✅

YOU die, I pay → This relates to life coverage products
YOU fall sick, I pay → This relates to income protection products.
YOU retire, I pay → This relates to retirement planning products
YOUR kids go to college, I pay → This relates to kids education products.

📌 Ask yourself, which is most important for you right now?

Which one requires your immediate attention?

=== What to do next? ===

To sum it up, don’t roll the dice and say “this will not happen to me” so make sure you are fully covered.

Before you spend it on something like the 11.11 sale, take some time to think should you spend that money on better financial coverage for you and your family?

Take the initiative to text your advisor and check with them if you are fully covered or if you have the products mention above. If no, find time to find out more about them.

Every professional advisor in the financial planning industry will know that their clients’ priorities changes drastically during the year end due to them planning for 2021. That is why they are being responsible and checking if you’re fully covered and financially ready to kick start 2021!

Remember, the best time to buy insurance is yesterday because you never know what will happen today! 🙌🏻

📌 This is so worth the long read.

TOP 1️⃣0️⃣ REASONS you need life insurance.

1️⃣ You never know.

Dying suddenly — in an accident, by unexpected illness or even of natural causes — can happen at any time. Life insurance helps your loved ones pay the bills and college costs, after you’re gone. It also provides cash to pay estate and death duties. Nothing can replace you in their hearts, but planning ahead with life insurance can make things easier for those you leave behind.

2️⃣ Funerals are expensive.

In some cases, funeral and burial expenses reach 250,000 pesos. At an already difficult and emotional time, your life insurance can cover these expenses without financial hardship or further stress.

3️⃣ Protect those you love.

In your life, you work hard to make sure those you love — spouse, partner, children, family members — are taken care of. It’s just as important to consider providing financial support for the future living costs of surviving dependents. After all, they will have to go on without you. Make sure they’re protected, too.

4️⃣ Death shouldn’t mean debt.

Life Insurance can help your dependents cover any financial responsibilities that are left after your death. Debt can be a tremendous burden, on top of the already emotional toll your absence creates in their lives.

5️⃣ Anything can happen.

If you develop a serious illness, you may not be able to get life insurance to the extent you need it — or at all. If you have a terminal illness, life insurance can provide you with financial support with critical illness benefit riders.

6️⃣ Take care of business.

Life Insurance isn’t just for individuals. It can protect a business from financial loss, liabilities or instability in the case of the death of a business owner/partner. Whether providing necessary short-term cash or keeping operations going until things settle, life insurance can be invaluable in maintaining the business you’ve worked so hard to build.

7️⃣ Supplement your retirement.

You can use life insurance to make sure your retirement savings lasts as long as you do. Withdraw a portion of your fund value to suffice for your expenses.

8️⃣ It makes financial sense.

Life insurance is considered a financial asset, which can help increase your credit and help you to get a loan or health insurance. Many policies have cash value, which even in case of bankruptcy cannot be touched by creditors.

9️⃣ Give to charity.

Life Insurance can enable you to leaving a lasting gift to a favorite cause or charity that is much larger than you would otherwise set aside for donation.

🔟 Peace of mind, plain and simple.

No amount of money can ever replace a person. But more than anything, life insurance can help provide protection for the uncertainties in life.

Message me to know more.




ctto

It pains me to read this conversation with my client, but as an advisor I can't do anything anymore.
Talagang nasa huli ang pagsisisi at panghihinayang. 🥺

-My client Mrs. Q approved and even INSISTED that our conversation be posted on social media to serve as an inspiration and lesson to be learned.-

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