The Advisor On Call

🎉 Una mong Sahod? Congrats! Eto ang mga tips para ’di ka maging “one-day millionaire”! 💸

1. Mag-ipon muna bago gumastos.
Hindi baliktad ha! I-set aside agad kahit 20% for savings. Future mo ’yan!

2. Magbayad ng utang kung meron.
Kung may utang ka sa nanay mo o sa kaibigan mo — time to settle! Start your journey debt-free.

3. Gumawa ng budget.
Alamin kung magkano sa sahod mo ang para sa needs (rent, food, bills), wants (Starbs, Shopee), at savings.

4. Treat yourself (konti lang 😅).
Okay lang mag-reward, basta within budget. Huwag ubos-biya ya!

5. Mag-invest sa sarili.
Enroll in a class, attend a seminar, or buy a book. Skills > gastos.

6. Think long-term.
Hindi habangbuhay may lakas kang magtrabaho. Magtabi na para sa emergency fund o retirement mo.

7. Consider getting insurance or investment plan.
Mas okay nang may safety net ka habang bata ka pa at mura pa ang premium.

💬 Ikaw, anong ginawa mo sa una mong sahod?

ingredients 101

MAGANDANG HAPON MGA KA-TALK! ☕️

2day, 2morrow, and 4Ever!!!

Nilinaw ni Ms. Andi Eigenmann na, hindi naman daw nag cheat, pero nagpa couple tattoo with a friend without communicating with her. Marami na daw syang nakitang RED FLAGS before na pinalampas nya. English yung post nya pero tinagalog ko na dahil chismosa tayo. Kaya ang masasabi ko lang sa halagang ₱100/day, insured ka. Sa panahon ngayon, mahalaga talaga ang may "peace of mind" and buti nalang sa Sunlife na inooffer ko, makukuha mo yun 🥰

Ang meaning pala ng 224 ay 2DAY 2MORROW 4EVER pero sa totoo lang, meron din kaming 224 per day na insurance , covered ka na agad 2Day, 2Morrow and 4ever! 🤣

Kung nabasa moto at nasiyahan kana nmn, it’s a sign na kumuha kana ng insurance ✨🤙🏼

Saddest story I read today.

Koo once lost Barbie. 20 years later, he reached out after hearing about her divorce. They rekindled their old flame and got married, relieved to be together again.

3 years later, Koo lost her again, and this time, she won’t be coming back.

Life gives second chances, but it doesn’t promise forever. Appreciate the people you love while you still can.

Rest in Paradise, Barbie Hsu (Shan Cai)

(filmsbyroe/X)

𝗕𝗔𝗞𝗜𝗧 𝗠𝗔𝗛𝗔𝗟𝗔𝗚𝗔 𝗡𝗔 𝗔𝗡𝗚 𝗠𝗔𝗞𝗨𝗛𝗔 𝗠𝗢𝗡𝗚 𝗙𝗔 𝗔𝗬 𝗖𝗢𝗠𝗠𝗜𝗧𝗧𝗘𝗗 𝗦𝗔 𝗝𝗢𝗕 𝗡𝗜𝗬𝗔?

𝗞𝗔𝗦𝗜 𝗞𝗔𝗛𝗜𝗧 𝗗𝗨𝗠𝗔𝗔𝗡 𝗦𝗔 𝗠𝗚𝗔 𝗣𝗔𝗚𝗦𝗨𝗕𝗢𝗞 𝗔𝗧 𝗠𝗔𝗬 𝗧𝗜𝗠𝗘 𝗡𝗔 𝗚𝗨𝗦𝗧𝗢 𝗡𝗔𝗡𝗚 𝗦𝗨𝗠𝗨𝗞𝗢, 𝗗𝗜 𝗬𝗔𝗡 𝗠𝗔𝗚𝗥𝗘𝗥𝗘𝗦𝗜𝗚𝗡 𝗣𝗔𝗥𝗔 𝗦𝗔𝗬𝗢.

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Eto na mga nararapat na sagot para mas lubos niong maintindihan po 🥰😍

PWEDE BA eREFUND yung mga NAIHULOG sa INSURANCE COMPANY❓

One of the most common concerns ng clients ay ang usaping REFUND.

Pwede nga ba mag-refund?
Paano kung tumigil na sa pagbabayad?
Mawiwithdraw ko ba ang mga premiums ko?

⭕ Simulan natin ito sa Term Insurance.
Prepaid po ang mga insurance.
Meaning, parang renta. Babayaran mo agad yung term or period na sakop ng insurance.

If ang term insurance mo ay yearly ang term, you pay now. Then covered ka.

If di ka na magbayad next year, di ka na covered. Ganun kasimple.

So may mawiwithdraw ka ba? Wala.

⭕ Paano naman kung VUL or Variable Unit-linked ang nakuha ko? Insurance with investment.

Kapag ba tumigil ka na (surrender), mawiwithdraw mo ba exactly lahat ng PREMIUMS na binayad mo? Hindi.

Ang ma-wiwithdraw mo lang ay 'yung current value ng Investment mo. (Fund value)

⭕ Bakit ganun?
Mas mainam pala ang bank. Pag nagdeposit ako, mawiwithdraw ko exactly the same.

Opo, yan ang purpose ng bank.

Iba ang purpose ng insurance. Iba rin ang investment.

⭕ Tatandaan, binibili mo ang service ng insurance contract. Kung 3 million death benefit yan, yan ang binibili mo.

⭕ So bakit nga walang REFUND?

Kapag ba bumili ka ng isang bagay o service, tuwing kelan lang may refund? Ano ang refund policy?

- kapag may DEFECT.

E kung wala namang defect ang policy, walang marerefund.

⭕ Wala naman akong naging sakit, sayang lang binayad ko.

- Bigyan kita ng analogy. Naghire ka ng bodyguard to protect you from harm. Pinasahod mo ng 5k a month.

After 2 years, nakapasahod ka na ng 120k. Wala namang umatake sayo.

Can you tell your bodyguard na, "Kukunin ko na lahat ng 120k na pinasahod ko sayo kasi di naman ako napahamak, wala namang umatake sakin."

Anong response ng bodyguard?
"Ay babalik ko sayo, may patago ka teh?"

Same concept.
You buy insurance to get the service of protection.
Kada oras na dumadaan na IN FORCE ang insurance contract mo, liable ang insurance company to fulfill the contract's obligations. 😉

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✨ Introducing Our Newest Plan ! ✨
This plan has 𝑮𝒖𝒂𝒓𝒂𝒏𝒕𝒆𝒆𝒅 6% 𝒐𝒇 𝒕𝒉𝒆 𝑭𝒂𝒄𝒆 𝑨𝒎𝒐𝒖𝒏𝒕 CASH BENEFIT PAYOUT 𝒔𝒕𝒂𝒓𝒕𝒊𝒏𝒈 𝒂𝒕 𝒕𝒉𝒆 𝒆𝒏𝒅 𝒐𝒇 6𝒕𝒉 𝒚𝒆𝒂𝒓 until the insured reaches the 𝒂𝒈𝒆 𝒐𝒇 100.

If you live too long naman, pwede mo ng advance ng 25% of the face amount when you reach 80, 85, 90, and 95. 🙌

Pili ka if you want a shorter paying period of 3 or 5 years or a longer period of 10 or 15 years to match your financial preferences.

What’s more? May kasama din itong non-guaranteed dividends na pwede mong iwan sa company and use for your future goals—whether for a travel fund or starting your own business! 🏖️💼

Secure your future while achieving your dreams. Let’s chat and see how this plan can fit your needs.

Gawan kita ng sample illustration, anong age mo na ba? Para sa iyo? or ( Kapatid/ Parents/anak/apo/ empleyado mo?)

BE KIND TO AGENTS

by Citto Beltran (The Philippine Star)
October 09, 2024

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“What many of us who are not in the industry don’t know is that it is a hard job, nonetheless. You will be rejected countless times. Some won’t even give you the time of day and worst of all, some might even call you “commissioners” or “na-ngo-ngo mission lang.” I personally find that hurtful.

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I am sharing this with our readers in the hope that they would have a better understanding and kindness towards people offering pre-need plans or insurance. They are not selling you junk; in fact, they are giving you instruments or opportunities for investment that you can pick based on your financial capacity.

- - - - - -

They will give you something in return for your money, something better for tomorrow. Try to learn more by giving them a chance to teach you because they are willing to make time just for you and your loved ones. Maybe after that you will appreciate the hard work they do for all of us.”

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Thank you for reading!

https://www.philstar.com/opinion/2024/10/09/2391113/be-kind-agents

Original Post: BMV Cuaki

WHEN YOU'RE 25, You had your first job and lived the life you want. Gimmicks and everything.... Someone approached you and convinced you to start a business and save for yourself. You said (Maybe Next Time, I want to enjoy life!)

WHEN YOU'RE 35, You had your family, your wife and two kids. Someone approached you and convinced you to start a business and save for yourself. You said (Maybe Next Time, My budget is not enough for my family and myself)

WHEN YOU'RE 45, You are now a manager or having a top position in your company. Someone approached you and convinced you to start a business and save for yourself. You said (Maybe Next Time, My children are going to college)

WHEN YOU'RE 55, You are retired. Someone approached you and convinced you to start a business and save for yourself. You said (Maybe Next Time, My retirement fund is enough for me)

WHEN YOU'RE 65, You are broke and you're sick. You approached someone and said "Is there something that i can do to start a business? I also need a savings for my family. That someone said "I'm sorry my friend but i think you're no longer qualified. You should have started sooner....

NOTE: "You have to do what others won't. By moving out of accepted norms, you have an opportunity to investigate. What life really has in store for you. Making a BIG life change is pretty scary. But, know what's even scarier? REGRET."



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