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𝗧𝗛𝗘 𝗦𝗧𝗢𝗥𝗬 𝗢𝗙 𝗔 𝗦𝗨𝗡 𝗦𝗠𝗔𝗥𝗧 𝗘𝗟𝗜𝗧𝗘 𝗕𝗔𝗕𝗬
Taong 1939, nagkaanak si Juan at Maria at pinangalanan nilang Marian. Mahal na mahal nila si Marian. Nagdecide ang magasawa na kuhanan din ang kanilang anak ng insurance. Lumapit sila sa kanilang Financial Advisor na si Heidi. Heidi offered them 𝗦𝗨𝗡 𝗦𝗠𝗔𝗥𝗧 𝗘𝗟𝗜𝗧𝗘. Babayaran ito ng magasawa ng sampung taon. Anim Ina taon ang nakalipas, 1945, simula na makareceive ang magasawa ng 𝗚𝗨𝗔𝗥𝗔𝗡𝗧𝗘𝗘𝗗 𝗘𝗡𝗗𝗢𝗪𝗠𝗘𝗡𝗧 mula sa Insurance na kinuha nila para sa kanilang anak (40,000 every year, kada dalawang taon). Nagdecide ang magasawa na iwanan ang pera sa Company para kumita. Tuloy tuloy lang din ang pagbabayad ng magasawa hanggang matapos sila taong 1949. Pero ang GUARANTEED ENDOWMENT nila para sa kanilang anak ay tuloy tuloy lang.
𝗚𝗨𝗔𝗥𝗔𝗡𝗧𝗘𝗘𝗗 𝗘𝗡𝗗𝗢𝗪𝗠𝗘𝗡𝗧: (every other year, habambuhay, hanggang age 100)
𝟭𝟵𝟰𝟱: 𝟰𝟬,𝟬𝟬𝟬
𝟭𝟵𝟰𝟳: 𝟰𝟬,𝟬𝟬𝟬
𝟭𝟵𝟰𝟵: 𝟰𝟬,𝟬𝟬𝟬
𝟭𝟵𝟱𝟭: 𝟰𝟬,𝟬𝟬𝟬
𝟭𝟵𝟱𝟯: 𝟰𝟬,𝟬𝟬𝟬
𝟭𝟵𝟱𝟱: 𝟰𝟬,𝟬𝟬𝟬
1955: 16 years old na si Marian. Ready na sya kunin ang kurso na gusto nya sa kolehiyo. At dahil inipon ng kanyang mga magulang ang perang nakukuha sa insurance nya every two years, meron syang pangtuition.
𝟭𝟵𝟱𝟳: 𝟰𝟬,𝟬𝟬𝟬
𝟭𝟵𝟱𝟵: 𝟰𝟬,𝟬𝟬𝟬
𝟭𝟵𝟲𝟭: 𝟰𝟬,𝟬𝟬𝟬
𝟭𝟵𝟲𝟯: 𝟰𝟬,𝟬𝟬𝟬
𝟭𝟵𝟲𝟱: 𝟰𝟬,𝟬𝟬𝟬
1965: Nagttrabaho na si Marian, pero naisip nya, mas gusto na lang nyang magnegosyo. At dahil inipon pa rin nila ang perang nakukuha sa insurance nya every two years, meron syang pangbusiness.
Fast forward, 65 years old na si Marian. Ready na sya magretire. May mga anak na rin syang namamahala sa business nya. At dahil inipon pa rin nila ang perang nakukuha sa insurance nya every two years, meron syang pangretirement.
Sa edad na 80 years old (2019), namayapa na si Marian pero masaya sya dahil alam nya na may maiiwan sya para sa mga anak nya na galing pa sa mga magulang nya. Yung insurance na kinuha nila para sa kanya ay nagkakahalagang 1,000,000. Malungkot pero alam ng mga anak nya na ang pagmamahal sa kanya ng mga magulang nya, umabot hanggang sa mga minamahal nilang apo.
Sino ka sa kwentong ito? Ikaw ba si Juan? o Maria?
Gusto mo bang maranasan ng anak mo ang naranasan ni Marian at ng mga anak nya?
This can really happen.
Let me introduce you to 𝗦𝗨𝗡 𝗦𝗠𝗔𝗥𝗧 𝗘𝗟𝗜𝗧𝗘.
Message me now 🙋

ctto

The possibility of prolonged disability can wipe out years of accumulation.

Masasayang ang ipon mo kung wala kang health insurance.
Sobrang mahal magkasakit sa Pilipinas.

Kaya sa mga nagsasabi na "kaya ko namang ipunin yan".
Oo, kaya mo.
Pero, alin mas gusto mo pag nagkasakit ka?

*Gamitin ang ipon pambayad sa hospital bills (minsan,baka di pa sapat)
*Gamitin ang health insurance para masave ang ipon?

Di mo kailangang danasin ang lahat ng bagay para ka matuto.
baka nga nasaksihan mo mismo sa mga kapamilya mo, kaibigan, kamag-anak, kung gaano kahirap magkaroon ng karamdaman.
Sana yun ang magtrigger sa'yo para magkaroon ng health insurance, maging ng life insurance.

"Healthy naman ako."

Ilan na bang healthy-ing mga tao ang kakilala mo na kamukat-mukat mo ay bigla na lang nawala?

Nag-eexercise naman daw. Kumakain ng healthy. As in healthy living. Pero, kita mo? Hindi natin hawak ang bukas.
Dun pa lang sa statement na yun, "What if", magsilbing trigger na yun para ka magpa-insure.

Tatay ka, may isa o tatlo kang anak o kung ilan pa man yan. Naisip mo na ba, "Ano ang mangyayari sa maliliit mong mga anak, kung sakali (again, di natin hawak ang bukas), na bigla kang namayapa?
Try to imagine. Tingin mo, magiging madali ang buhay nila? Hindi.
Mahihirapan sila. Pero kung may life insurance kang naiwan, mas magiging madali ng konti ang kanilang pagbangon.
Sasabihin mismo nila "Buti na lang, may insurance si tatay. malaking tulong ito sa amin."

Let's prepare.

Get life insurance.
Get health insurance.
Get HMO.

Ipagpapasalamat mo sa batang "ikaw", kung magdedesisyon ka NOW, before it's too late.

as of the moment.

𝗧𝗜𝗣𝗦 𝗣𝗔𝗥𝗔 𝗦𝗔 𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗕𝗨𝗗𝗚𝗘𝗧 𝗡𝗚 𝗠𝗔𝗚-𝗔𝗦𝗔𝗪𝗔:

1. Magtapatan kayong mag-asawa. Magsabihan kayo ng sahod, gastos, savings at pati na rin mga utang. Gawin niyo ito habang nagtititigan gaya ng una ng magtapatan kayong mahal ninyo ang isa’t isa… Mula rito ay makakagawa kayo ng isang budget spread sheet na tinukoy ko sa Budget 101.

2. Kung sino ang taong bahay, siya ang dapat na mag-budget. Kung ikaw ang nagtatrabaho, pagdating ng sahod, ibigay ang lahat ng pera sa taga-budget, At humingi lang ng allowance na sapat at aabot hanggang sa next sahod mo. So kung ikaw ang nagtatrabaho, i-o-audit ka ng nag-budget kung tama ba yung “budget proposal” mo. Kung malaki masyado yung requested budget mo compare sa actual na gastos mo, dapat bawasan ng nagba-budget ang allowance mo.

3. Magset kayo ng date kung kailan kayo magche-check at mag-o-audit sa isa’t isa. Pwedeng tuwing kinsenas din at katapusan. Basta twice a month din. Gusto niyo isabay niyo na rin sa dinner date ninyo, teka kelan ba kayo huling nag-date na mag-asawa? :)

4. Kung maiayos ninyo ang budget spreadheet, gumawa na kayo ng Joint OR na savings account sa banko na gusto ninyo. Kung wala pa kayong savings account, ipunin niyo muna sa isang alkansya o malaking garapon. Sanayin ninyo ang inyong sarili na hulugan yun araw-araw. Bawal manungkit ng alkansya okay?

5. Kung hindi maiwasan at talagang ayaw ninyong magsabihan ng sahod for whatever rea*on, gumawa pa rin kayo ng Savings Account na Joint OR ang type at lagyan niyo ito regularly ng specific or defined amounts kada sahod ninyo.

6. Kung magbubuo kayo ng Emergency Fund, make sure na mabuo ninyo yung 6 months worth of expenses ninyo sa bahay. Basahin nyo ang aking artikulong “Ang Pagbuo ng Iyong Emergency Fund“. Pero this time bubuoin ninyong 2 ito as if isang tao lang kayo. Tapos pag umabot ito sa 10k or 20k, ilipat niyo ito sa UITF-Fixed Income Fund dahil bukod sa madali itong hugutin (usually 4 banking days ang redemption), mas mataas ang tubo nito kaysa karaniwang Savings Account. Basahin ninyo yung artikulo kong “Ang Pag-i-invest sa UITF“).

7. Pagkabuo ninyo ng Emergency Fund, pag-usapan niyong mabuti ang inyong mga long term investments (e.g. Retirement fund, educational fund, etc.) at short term investments. Para madalian kayo, basahin ninyong mag-asawa ang artikulo kong “Ang Pagpa-plano ng Iyong Financial Life Goals“. Dapat nasa same page at same focus kayo na mag-asawa. For long term investments, go for Mutual Fund investments or Stocks investments. Make sure na naka JOINT OR din kayo sa mga investments na ito. Para kung sakaling may mangyari sa isa (ma-coma o ma-tsugi, example lang naman…), makakakilos pa rin yung isa. At mas okay naman na Joint OR, explain ko sa inyo ang sikreto pag mag-i-invest na kayo sa Mutual Fund. In case na mag-iinvest kayo, basahin niyo rin uung artikulo kong “Paano Mag-open ng Mutual Fund account?“

8. Pag-usapan at pag-isipan niyo ring mag-asawa kung paano kayo magkakaroon ng other source of income. Mas okay kung passive income ito. Baka maisipan niyo magtayo ng sariling negosyo, basahin niyo ang aking artikulong: “Ang Pagtatayo ng Sariling Negosyo“

9. Ipagtipon ninyong mabuti ang inyong mga anak. Think of their future. At huwag kayong umasa na sila ang “ticket” ninyo para makaahon kayo sa hirap. Walang obligasyon ang anak na ipagtipon ang kanilang mga magulang, kundi ang mga magulang ang may obligasyon na ipagtipon ang kanilang mga anak. Bonus at swerte niyo na lang na mag-asawa kung mabait at marunong na tumanaw ng utang na loob ang inyong mga anak pag lumaki at nagka-isip na siya. Kaya ngayon pa lang, taniman mo sila ng pag-ibig at kabutihang asal.

10. Bilang mag-asawa, magpa-alalahanan kayo sa isa’t isa. Kung gastador ka, dapat matipid naman siya and vice-versa. Hindi okay na oo lang ng oo yung asawa mo pag may gusto kang bilhin na mga items lalu na kung medyo mahal ito. Basahin ninyo yung mga tips na binigay ko sa aking artikulong “Matutong Mamaluktot Kahit Mahaba ang Kumot”

11. Kung wala kayong idea tungkol sa tamang paghawak ng inyong mga pera, mas mabuti na maghanap kayo ng 𝑭𝒊𝒏𝒂𝒏𝒄𝒊𝒂𝒍 𝑨𝒅𝒗𝒊𝒔𝒆𝒓 𝒐 𝑭𝒊𝒏𝒂𝒏𝒄𝒊𝒂𝒍 𝑷𝒍𝒂𝒏𝒏𝒆𝒓 ninyo na pwedeng tumulong sa inyo sa pagde-desisyon kung paano ang gagawin ninyo sa inyong pera at upang maayos na mabuti ang inyong financial plans.Mas mabuti kung kakilala na mapagkakatiwalaan mo.

12. Makakatulong din sa inyong pagsasama bilang mag-asawa ang palagi ninyong pagbabasa ng mga financial literacy books at articles tungkol sa personal finance gaya ng mga akda ni Green Stickman, Chinkee Tan, Bo Sanchez...atbp.

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𝑻𝒐𝒕𝒐𝒐 𝒃𝒂 𝒂𝒏𝒈 𝒊𝒏𝒔𝒖𝒓𝒂𝒏𝒄𝒆 𝒘𝒊𝒕𝒉 𝒊𝒏𝒗𝒆𝒔𝒕𝒎𝒆𝒏𝒕? 𝑩𝒂𝒌𝒂 𝒏𝒂𝒎𝒂𝒏 𝒔𝒄𝒂𝒎 𝒚𝒂𝒏.

Most Filipinos gusto nila easy money kaya mas marami ang naiiscam.Agree? Yun 10K mo gagawin 60K in just 24-48 hours😱 The more na mas madali ang kitaan the more na red flag yan. Believe me.

𝐀𝐧𝐨 𝐛𝐚 𝐚𝐧𝐠 𝐕𝐔𝐋?
VUL is a variable universal life insurance that offers insurance with investment. May guaranteed life insurance for your beneficiaries plus may investment ka pa that accumulates overtime.

Let me share with you my 28-year old client na may VUL plan with Sun Life.

Eto na ang fund value niya after almost 5 years na paghuhulog monthly. Imagine may income protection siya na 800,000 for his family if something happens to him(Kasi 200% ng face amount) plus meron pa siyang living benefit na investment na pwede niyang gamitin for his retirement or future milestones.🫶

Sa investment, the more you start early, the more your funds will grow. Investments are not guaranteed pero if you have long term goal this plan is for you.

𝗔𝗻𝗼 𝗯𝗮 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗻𝗴 𝗩𝗨𝗟?

1. 𝑭𝒍𝒆𝒙𝒊𝒃𝒍𝒆 𝒑𝒓𝒆𝒎𝒊𝒖𝒎𝒔 -meaning pwede mong dagdagan ang regular premium mo para madagdagan ang investment. With this, your fund accumulates faster. This is also great for those who are looking for investment options for their bonuses or windfalls.
2. 𝑷𝒐𝒕𝒆𝒏𝒕𝒊𝒂𝒍 𝒉𝒊𝒈𝒉𝒆𝒓 𝒓𝒆𝒕𝒖𝒓𝒏𝒔- since the underlying assets are linked to stocks and bonds, the returns of VUL plan may exceed the other types of insurance policies. On the average return equity funds performance range to 8-10% annual return depends on the actual performance of the stock market. While bonds has low risk , the average performance has low returns that range to 4%-5% . Though this plan has a risk, dapat alam mo kung kelan at magkano ang kailangan mo sa specific goal. For example, how much do I need for my retirement fund? Educational Fund?...etc.
3. 𝑳𝒊𝒒𝒖𝒊𝒅𝒊𝒕𝒚- etong fund na ito ay accessible in case of emergencies or financial needs. Like temporary loss of job, additional fund for your business and whatever goals you might have. Pwedeng pwede ka mag withdraw sa fund mo by cancelling of units in the amount invested in your fund value.

This VUL helps Filipino to save and invest. Kailangan lang natin ng tamang disiplina sa pagbabudget.

Ikaw? Gusto mo rin ba magipon pero di mo alam kung paano?

I'm Trish from Sun Life. I am here to help my fellow Filipinos to save and invest for their future.🤗
To know more about this plan, message me.
https://m.me/patricia.bunanig

Whether we like it or not, there will come a time that we realize things we used to say like "SOMEDAY" will be replaced by "FINALLY". Don't stop. Focus on the goal.🎯

Sa mga nghahanap ng low risk, medium returns. One option is digital banks.. Never deposit anything more than P 500k para covered ng pdic.. Yung mga unknown FI mg research muna kayo.
diskartech(rcbc), tonik, maya, sea bank, gotyme & cimb marami nang gumagamit..
One way to earn interest income from the money you saved.💛

Family Bundle Insurance? 😍
YES, this exist at pa*ok sa budget mo.
Afford na afford mong i-secure ang future mo at ng family mo!

You may consider this 𝗮𝗹𝗹-𝗶𝗻 𝗙𝗮𝗺𝗶𝗹𝘆 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗕𝘂𝗻𝗱𝗹𝗲, for as low as P4,500/month INSURED na ang buong pamilya!!! 🥳

You can use this all-in Bundle for:
✅Life Insurance Coverage
✅Retirement Fund
✅Education Fund
✅Saving for Milestones

Wow! This is the best gift for your loved ones’ future.

𝐖𝐚𝐧𝐭 𝐭𝐨 𝐥𝐞𝐚𝐫𝐧 𝐦𝐨𝐫𝐞?
Message us and let's meet online! 👩‍💻 Insurance application is now processed online. No hassle to meet face to face.

Are you still having a second thought of getting your own policy?🥺

If you want to secure the future of your family, life insurance is the simplest way to be financially ready. Time is unpredictable. Prepare ahead.🫶🏻

‼️𝐊𝐰𝐞𝐧𝐭𝐨 𝐟𝐫𝐨𝐦 𝐤𝐚𝐩𝐰𝐚 𝐊𝐚𝐩𝐢𝐭𝐛𝐚𝐡𝐚𝐲‼️

Yung benefit na nakuha from Insurance plan naging paraan para mabayaran yung hulugang bahay ng Buo. Naparenovate niya rin yung house at age 22.

Your life insurance policy can be used as:

𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐑𝐞𝐝𝐞𝐦𝐩𝐭𝐢𝐨𝐧 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞?

Basically, ito yung paraan para protectahan yung properties na pinupundar mo pa lamang like lupa, bahay, etc. na naka loan at binabayaran sa bangko. Pag may nangyari sayo, Insurance can pay FULL amount ng loan sa bangko.

That way:

📍Hindi 𝙝𝙖𝙝𝙖𝙗𝙪𝙡𝙞𝙣 ng bank yung family mo kung sakaling mawala ka or madisable ka.
📍Hindi 𝙗𝙖𝙗𝙖𝙬𝙞𝙞𝙣 ng bangko yung property mo at hindi mapapaalis yung family mo.
📍Hindi 𝙢𝙖𝙨𝙖𝙨𝙖𝙮𝙖𝙣𝙜 yung pinagpaguran mong ipundar for how many years.
📍Your family can focus in grieving for your loss and in moving on to their lives and at the same time they can be able to sustain their standard of living.

“𝙔𝙤𝙪 𝙙𝙤𝙣’𝙩 𝙗𝙪𝙮 𝙡𝙞𝙛𝙚 𝙄𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙗𝙚𝙘𝙖𝙪𝙨𝙚 𝙔𝙊𝙐 𝙖𝙧𝙚 𝙜𝙤𝙞𝙣𝙜 𝙩𝙤 𝙙𝙞𝙚, 𝙗𝙪𝙩 𝙗𝙚𝙘𝙖𝙪𝙨𝙚 𝙩𝙝𝙤𝙨𝙚 𝙮𝙤𝙪 𝙡𝙤𝙫𝙚 𝙖𝙧𝙚 𝙜𝙤𝙞𝙣𝙜 𝙩𝙤 𝙇𝙄𝙑𝙀”

Pictures and story credits to the owner

LONG POST AHEAD BUT WORTH TO READ!

My friend from college became successful when she got promoted three times in a multinational company she is currently employed.

During the stint of her success, she managed to get a condominium and a brand new car as a reward for herself. Her properties are expensive that she needs to back those up with insurance. Since she managed to secure her properties with insurance, I asked her "IKAW? Kailan mo ikukuha ang sarili mo ng personal insurance? Ikaw nagbabayad ng lahat ng yan...." She goes, "Sige, pagusapan natin yan pag may time ako. Busy pa. Di ko pa yan mahaharap." I was silenced.

During free days, we would usually explore the restaurants and coffeeshops around the metro. In one of our weekend shopping sprees, she once jokingly told me "diba ang mga mayayaman may mga imported na a*o?" - she got herself a chihuahua.

She loves to travel. She is indeed a wanderlust. She would reward herself an out of the country or out of town trips during long weekends. Batanes. Coron. Siargao. El Nido. Amanpulo. UK. USA. Japan. Korea. Canada. Australia. She has been to almost all the places one can dream of.

Her life was blissful until...

One day, she felt a sudden pain gushing through her stomach down to her pelvis. The pain became unbearable in less than an hour that she needs to ask her neighbor to drive her to the hospital.

She was rushed to the ER.

Sedated. Confined.

The test went back with the result: COLON CANCER. Stage 3.

Her age? 31.

She called me up soon as she was able to gather her self from shock. I rushed to the hospital and comforted her. She's afraid to die but she was more concerned about the expenses she will face from that day forward.

She then said helplessly "Sis, baka pwede nating gawan ng paraan yung insurance na inooffer mo? Okay lang kahit doblehin ko na lang yung premium..."

I hugged her so tight that I cannot help my tears from falling down my cheeks in deep regret. I whispered, "Sis, I am sorry. Wala na akong magagawa sa insurance na kailangan mo..."

We cried.

She eventually resigned. Sold her condominium and her car to finance her treatments. Her puppy was adopted by another friend. She drained all her savings and owed some banks and friends some money. Her then co-workers passed the hats to help. She was broke.

She battled for two years but she was not able to make it. Leaving her family grieving and in debt. Leaving me with great regret.

She made me learn one thing: If you love your friends and if you are truly concerned with the people around you, insist to help them before it is too late.

So if I come around bugging you about insurance, do not shy away. Because if you are concerned about your family, you will be more than willing to sit down with me and talk: HOW MUCH DO YOU LOVE YOUR FAMILY?

*Credits to Cams Dela Cruz Morales

Sinong wala pang retirement fund?
Tulungan kita☺️ Message me 💌