Financial Coach Nette

YOLO vs YALO!!!
You only lived once but you also grow old😅

Why Plan For Retirement When You Only Live Once (YOLO)? - The Simple Sum - Philippines YOLO also means that you should think and plan for your retirement because living your best life doesn’t stop after you retire.

Retirement planning is a journey that requires foresight, strategy, and the right tools in your financial toolkit. Life insurance, often overlooked, can play a pivotal role in shaping a perfect retirement plan. Here are 4 points on how life insurance fits into your retirement landscape:

1. Financial Security
Protects your family from loss of retirement income, ensuring your spouse's consistent standard of living.

2. Accumulation of Cash Value
Certain policies, like whole life, grow cash value over time, offering a supplementary income source during retirement.

3. Tax Benefits
The death benefit is often tax-free for beneficiaries, and premiums can grow tax-deferred, boosting their growth potential.

4. Estate Planning
Facilitates efficient wealth transfer to heirs and can help in covering potential estate taxes.

Incorporating life insurance in your retirement plan offers not only peace of mind but strategic financial advantages.

If you are wondering how life insurance can fit into your retirement plan, consider chatting with a financial advisor. They can provide a clearer picture and make a plan that suits your needs.

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Para sa pangarap natin!

Keep in mind: self-care is important for your health and mental wellness. You deserve a break! 💚 Happy Sunday!

Make Everyday Better!

WORTH READING. 💚

A father told his daughter, “Congrats on your graduation. I bought you a car a while back. I want you to have it now.”

Before I give it to you, take it to a car dealer in the city and sell it. See how much they offer.”
The girl came back to her father and said: "They offered me $10,000 dollars because it looks very old"

Father said: "Ok, now take it to the pawn shop".
The girl returns to her father and said: "The pawn shop offered $1,000 dollars because it's a very old car and a lot of work done".

The father told her to join a passionate car club with experts and show them the car. The girl drove to the passionate car club. She returned to her father after a few hours and told him, “Some people in the club offered me $100,000 dollars because its a rare car that's in good condition.”

Then the father said, "I wanted to let you know that you are not worth anything if you are not in the right place. If you are not appreciated, do not be angry, that means you are in the wrong place. "Don't stay in a place where no one sees your value ."

Know your worth and know where you are valued. A diamond doesn't shine on the bottom of a cave. 💚

Yes, you need to enjoy the fruit of your labor pero 'wag ubos biyaya.

The 𝐁𝐈𝐆𝐆𝐄𝐒𝐓 Financial Literacy Summit is back again this year with the theme "Financial Resiliency", on 𝐉𝐮𝐧𝐞 𝟏𝟕-𝟏𝟖, 𝟐𝟎𝟐𝟐. Get to know more about mastering financial resilience through an understanding of Personal Finance, Entrepreneurship, Investment, eCommerce, Real Estate, Insurance, and many more from thought leaders, practitioners, and experts.

Secure your slot and don't miss the chance to join this year's FinLit Summit. It’s not yet late! Register now for 𝐅𝐑𝐄𝐄: www.tgfiph.com/finlit2022

Bakit nga ba hindi itinuturo sa paaralan ang tungkol sa paghawak ng pera? Ang daming itinuturo pero isa sa mga kailangan talagang matutunan ay ang pag-handle ng pera.

In this blog, let me share with you the negative statements that most unsuccessful people say and how we can change these so we can’t be like them.

Bilang magulang kailangan din na tayo na mismo ang magturo kung paano alisin sa isipan ng ating mga anak ang paniniwala na mahirap maging mayaman.

First statement:

“I CAN’T DO THAT.”

Maaaring hindi tayo expert sa area na ito, pero may ibang mga tao na maaaring makatulong sa atin para magawa ang isang bagay.

Instead of saying I can’t… we ask: How? How can I do that?
Kailangan eager tayong matutunan kung paano malaman ang mga paraan para maabot natin ang gusto natin.

Hindi pwede na nag-aantay na lang tayo na ituro sa atin ang mga bagay, kailangan ay may kusa rin tayo na alamin kung paano madadagdagan ang ating kaalaman.

Huwag nating hayaan na pinapag-aral lang natin ang ating mga anak para maging habang buhay na empleyado. They can go up and they can even become an entrepreneur.

Avoid saying:

“I CAN’T AFFORD THAT.”

“Eh Chinkee hindi naman talaga namin afford bumili nun eh.”

Then, ask…
How can we afford that?
Paano nga ba?

Kung tulala na lang tayo lagi at lagi na lang magtataka kung bakit lahat ng mga kakilala natin ay umuunlad ang buhay at tayo na lang ang hindi, then may mali na.

We need to learn how to plan and how to budget. Hindi pwede na laging nagtataka tayo kung saan napunta ang pera natin buwan-buwan.

We need to be consistent din. Kung gusto natin ng pagbabago at pag-unlad sa sarili, dapat alam natin kung paano ang tamang hawak sa pera.

Kung dati na 10K ang sweldo natin, patong-patong ang utang, ngayon na 20K na ang sweldo natin, puro utang pa rin? Bakit? Anyare? Hahaha..

So never say

“I DON’T HAVE TIME.”

“Wala akong time pag-aralan ‘yan.”
“Waste of time lang kung gagawin ko ‘yan.”

Usually, we make excuses din kasi kapag naiisip natin na mahabang proseso. Gusto natin easy money agad. Gusto natin sure na agad.

But we know the truth!
Walang nagiging successful ng biglaan or overnight lang. Kailangan ng persistence and dedication.

May mga pagkakataon na maaaring magkamali tayo kaya kailangan, buo ang loob natin sa ating papasukin. We should invest sa mga bagay na alam natin.

Kung magaling ka sa drawing, then invest more kung paano mo mas mapauunlad ang skills mo para mas magamit mo ito sa mas magagandang opportunities.

“Never doubt yourself and think poor because you can be a good entrepreneur.”
– Chinkee Tan, Filipino Motivational Speaker

THINK. REFLECT. APPLY.

1. Sa anong larangan ka magaling at mas hilig mong gawin?
2. Anu-ano ang mga seminars o trainings ang napuntahan mo?
3. Paano mo pa mas mapauunlad ang iyong sarili?

ADVISE from Warren Buffett:
1. STAY away from credit cards and invest in yourself.
2. LIVE your life as simple as you are.
3. DON’T do what others say, just listen to them, but do what you feel good.
4. DON’T go on brand name, just wear those things in which you feel comfortable.
5. DON’T waste your money on unneccessary things, just spend it on what you really need.
6. DON’T give others a CHANCE to RULE your LIFE, it’s yours to live after all.

Join a community na gagabay sa’yo sa iyong Financial Life
Talk to a Licensed Financial Advisor
PM me😉😍

Plan Financially Today to Reap the Benefits Later

What Should Millennials Know About Saving?
-Interest rates rack up too much debt
-The best time to save is now
-Saving should be a conscious habit

Tama ka dyan! Agree ba kayo?😁🙋

"Kahit single pa lng tayo, dapat pinaghahandaan na ntin ang ating future. Mahirap tumanda nang iaasa lang sa iba ang ating pagtanda...."

💚🌻🙏💝

Take care of yourself first. When you are at your best, then you can look after the well-being of those you love. 💚
That’s making every day better.

Stay on your goals no matter what. Just don't quit!

You can send a message directly to Financial Coach Nette.

Financial Coach Nette updated their business hours.

Plan your Future Ahead!
"No one plans to fail, they only fail to plan."

Your parents are not destined to be your EMERGENCY FUNDS.
Your children are not destined to be your RETIREMENT FUND. Start building your own WEALTH!


Pm me📲 for your Personal Financial Planning
It's free!❤

DELAYING YOUR SAVING AND INVESTING GOALS IS LOSING A LOT OF MONEY.
Common attitude kasi ng mga Filipino ang may plano nga pero kulang sa aksyon.
Ung iba “busy pa ako, next time na lang”. Pero maraming time gumala.

Meron din “Bata pa ako, hindi ko pa kailangan yan”. Hindi ba mas okay nga habang bata may nasisimulan ka na?
Karamihan “ang dami ko pa gastos, sa susunod na lang”. Pero hindi ka naman nauubusan ng gastos at sigurado madadagdagan pa yan.

Ang daming dahilan,pero pag huli na ang lahat, “Bakit hindi ako nagsimula agad?”. Wala naman sa umpisa ang pagsisisi.
I know you are very busy. I know it’s a hassle. But it’s only a one-time hassle.

SAVE AND INVEST AS EARLY AS YOU CAN SO YOU WILL NOT END UP BROKE IN YOUR RETIREMENT YEARS! LET ME HELP YOU ON A TAILOR FIT PLAN FOR YOUR FUTURE 😊

YOUR BEST LIFE ALWAYS BEGINS WITH A PLAN ❤

Plan ahead!

WHAT IS VUL INSURANCE?
Variable universal life insurance, more commonly known as VUL, is a permanent life insurance policy which combines insurance and investments into one. With a VUL, a portion of your premium for the first few years (1/2/3) pays for your insurance, while the rest goes to your investment fund which is handled by professional fund managers. It is "variable" because the returns vary, depending on the rise and fall of your chosen investment fund. It is "universal" because you are given the freedom to customize your premium payments, death benefits, and investment components of your policy.

BENEFITS OF VUL INSURANCE
1. Income Protection
Like traditional insurance products, VUL insurance can be used to protect your family's income and future in the event of an accident, critical illness, disability, and death. It can also give you peace of mind knowing that your family will be alright if something bad happens to you.

2. Forced Savings
Millennials and those who find it hard to stick to their savings and investment plan can benefit from VUL because it forces them to set aside a portion of their income for premium payments. Getting a VUL could help develop the habit of saving regularly and discipline in handling personal finances.

3. Additional Coverage through Riders
VUL insurance products come with optional benefits, also called riders, that aren't available in other types of life insurance. These riders include insurance coverage for critical illnesses, accidents, and income protection for hospitalization. Having these additional riders will shield your savings if you do encounter an emergency or get critically sick.

4. Customizable
Most VUL's can be customized to fit your needs and financial capacity. It can be made in a way that would focus more on investment returns for your retirement, education fund, and fund accumulation. It can also be modified to focus more on insurance coverage for income protection. Premium options can be as low as 1000 pesos per month.

5. Tax-Free Death Benefit Payout
Unlike pure investment products like stocks, mutual funds, and UITF's, the death benefit from VUL insurance is exempt from estate taxes. If the insured's beneficiaries are designated irrevocable, they will receive the death benefit without having to pay estate taxes. On the other hand, earnings from pure investment assets form part of the estate, and will be subject to estate taxes.

WHO SHOULD GET A VUL POLICY?
👉🏻First-time investors who are just starting to learn about insurance and investments
👉🏻Those who lack time, patience, or discipline for saving and investing
👉🏻People who want to be protected and want to start planning for their children's college education or retirement at the same time
👉🏻Those who want to get insured but want to preserve their premium payments by only "setting it aside for the future"
👉🏻Those who want their investments bundled with life insurance to protect their assets

We'd be happy to set up a meeting to help you.
📲ASK me HOW
📲ASK me NOW
📲ASK Nenette

Gusto mo ba i-secure ang future mo at ng family mo for as low as Php1,500 to Php3,000 a month?

Be protected with GUARANTEED life insurance until age 100 while letting your money GROW in the stock market!

Get an affordable INSURANCE with INVESTMENT plan perfect for budget-conscious, but goal-oriented Filipinos.

You get the combined benefit of lifetime insurance protection, financial security and peace of mind while you grow your money overtime.

This plan comes with EVERYTHING you and your family needs:
✅Life goals
✅Retirement
✅Education
BENEFITS:
✅Lifetime insurance coverage
✅suitable investment options
✅Professional fund management
✅Funds for future needs
✅manageable premium payments
✅medical and health benefits

Application done in comfort of your home. Get insured quick and online NOW!
Get in touch with us to get your Free Quotation and online consultation
ALL-IN-ONE
INSURANCE PLAN