Financial Planning

Lagi nating tandaan

1. Don't buy an expensive phone. A new version will come out even before you've finished paying for it.

2. Don't buy an expensive bag. Replicas are scattered everywhere. Only a trained eye will see that it's genuine.

3. Don't buy expensive shoes. You can't walk like a duck trying to keep it from deforming with every use.

4. Don't buy expensive clothing. You can't walk around showing the small tag behind your nape.

5. Don't buy an expensive watch. A 100-peso vintage watch online looks good too, and all kinds will tell the same time.

6. Don't buy expensive undergarments. It's not allowed to walk in public wearing only a Victoria's Secret bra and panties.

7. Don't buy expensive cars. It depreciates with every kilometer it runs. Your 1.2 Million-Peso SUV will sell for only 500K.

8. Don't buy a huge house. Too much space creates distance between family members. They'll grow old and leave anyway.

9. Always settle for the justified price. You can do more with two for the price of one.

10. Remember that it's not the brand that carries you. It's how you carry the brand.

Grow old wise. Grow old happy.

CCTO

OLD BUT GOLD

VICE GANDA:

Tama na may insurance, yung maganda may insurance na may investment ka pa.

Si Ogie Diaz nung nandun kami sa lamay ni Chokie magaling mag compute ng insurance benefits yan nakakatuwa. Dapat kasi meron.

At 20 to 30 years old ka dapat productive ka. Yan kasi yung crucial.

Bago mag 40 dapat unti unti kana nag babawas ng trabaho para pag dating mo ng 50 to 60 years old nag rerelax ka nalang.

Secured kana sa sarili mo kasi nakapag ipon kana. Yung iba pag dating ng 40 years old saka pa lang sila ng sisimula kaya pinapatay nila sarili nila dahil hinahabol nila yung nawalang panahon.

Kaya yung bata sinasabi lage, “YOLO muna tayo bata pa naman tayo eh.” Hanggnag magising nalang sila isang araw, " AY ANG TANDA KO NA PALA WALA PA AKO NA IIPON."

"Make a living but don't forget to make Life".

𝟏𝟎 𝐁𝐞𝐬𝐭 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐀𝐝𝐯𝐢𝐬𝐞

••• Lagi nating tandaan •••

1. Don't buy an expensive phone. A new version will come out even before you've finished paying for it. 📱

2. Don't buy an expensive bag. Replicas are scattered everywhere. Only a trained eye will see that it's genuine. 💼

3. Don't buy expensive shoes. You can't walk like a duck trying to keep it from deforming with every use. 👞👞

4. Don't buy expensive clothing. You can't walk around showing the small tag behind your nape. 👔

5. Don't buy an expensive watch. A 100-peso vintage watch online looks good too, and all kinds will tell the same time. ⌚

6. Don't buy expensive undergarments.
It's not allowed to walk in public wearing only a Victoria's Secret bra and panties. 👙

7. Don't buy expensive cars. It depreciates with every kilometer it runs. Your 1.2 Million-Peso SUV will sell for only 500K. 🚗

8. Don't buy a huge house. Too much space creates distance between family members. They'll grow old and leave anyway. 🏫

9. Always settle for the justified price. You can do more with two for the price of one. 💸

10. Remember that it's not the brand that carries you. It's how you carry the brand. 🗂️

𝑮𝒓𝒐𝒘 𝒐𝒍𝒅 𝒂𝒏𝒅 𝒘𝒊𝒔𝒆. 𝑳𝒆𝒂𝒓𝒏 𝑯𝒐𝒘 𝒕𝒐 𝑺𝒂𝒗𝒆 𝒂𝒏𝒅 𝑰𝒏𝒗𝒆𝒔𝒕.

Still don't know where or how to start?

Book a FREE appointment today and let us help you start your Financial Journey 📩

✔️Buhay OFW

"Uy pasalubong ko haaa?"
"Kailan ka magpapadala?"
"Uy yaman mo na dyan sa abroad, pautang naman."
"Bilhan mo naman ako bagong phone."
"Uy wag mo kalimutan size 8 ako ha."
Ang buhay OFW, bow.

Para sa mga kababayan sa abroad, mag ipon kayo nang hindi masayang ang pinaghirapan nyo. Ok lang tumulong sa mga kamag-anak pero tulungan nyo rin po ang sarili nyo. Magplano para sa retirement at matuto mag invest habang malakas pa at kumikita sa ibang bansa.🇵🇭❤️

-ctto

START PLANNING NOW!
Get a FREE Quote NOW

You and I have similar purposes in this world.

It is your job to provide food, clothing, shelter, schooling, medicine, and other things for your love ones. You do this while I am waiting for you to have me.

I have faith and trust in you. Out of your income will come the cost to have me. At times, I may appear worthless to you - but someday (we don't know WHEN) you and I will change places.

When you need to retire or rest. I will come alive to do your job. I will provide the food, clothing, shelter, schooling, medicine, and other things that your family will continue to need - just as what you are doing now.

When your work and toil are done, mine will begin.
Through me, your hands will carry on.

Whenever you feel the price that you are about to pay for me is burdensome. remember that i will do MORE FOR YOU and YOUR FAMILY than you ever can do for me.

If you do your part, I promise to do mine.

Love,
Your Insurance Policy.

See the difference in putting your money on Bank vs VUL. Save wisely💛 To know more, you can send me a message http://m.me/livebrighterwithgen

Because of inflation, twenty pesos ngayon naging barya nlng.

Money TIPS:

■ Don’t bring your money with you.
■ Cook at home.
■ Buy your groceries in Public Market not in Malls weekly, not daily, not monthly. (Market: Ampalaya 50/kl vs Mall 147/kl)
■ Remove unimportant expenses.
■ Lower down the cost of your important expences. (Ex. Ganador 55/kl while Sinandoming 42/kl)
■ Buy your own tumbler and bring your own water. Avoid buying outside. (Natures Spring 500ml 15.00 while if you bring its FREE)
■ If you’re not in business don’t buy CAR.
COMMUTE: plete ka 8.00 x 2 x 26days = 416.00/month
WHILE:
CAR Expenses: 15k/month car + 5k/mo gas + 2k/mo parking = 22k/month
■ Always set aside 20-30% of your income to your Mandatory/Disciplined SAVINGS.

What makes us POOR is our bad spending habits.
ctto

Habang bata ka pa pag-usapan na natin yung retirement plan mo para pagdating ng araw na di ka na makapagtrabaho di ka maging burden sa anak.

Send me a message😊

It's August officially! We are in the last month before we hit the -ber months. We're so proud that you're able to lift all that load and challenges along the way, which is no small feat. Face the day with your brightest smile, champ! You are gold! ✨

📌BANK vs VUL

Meet Mario and Maria, both 25 years old.
Both of them allotted 2500/ month for their future.👨🏻👩🏻

Mario puts his money in the BANK while Maria invested on a VUL policy.🏛📊

See the difference? 🤗

Grow your money faster and better by investing to a VUL policy with 8-10% average returns per year.

VUL is an investment + protection for your health and income.💛

Be insured while investing!💛

Let's talk.

PS: Please see the other options.

📌Sun Life Assure
📌Sun First Aid Plus
📌Sun Smarter elite
📌Sun Maxilink one
📌Sun Fit and well

Or you may send me a personal message.
http://m.me/livebrighterwithgen

Pre-Need Plans (like CAP) Vs. Life Insurance

“Naku, mahirap yang insurance, baka mamaya matulad sa CAP, sayang lang ang pera mo.”

Isa sa pinaka-matingkad na dahilan kung bakit maraming Pilipino ang ayaw sa life insurance ay dahil sa nangyari sa CAP at ibang pre-need companies pagkatapos ng Asian Financial Crisis nung 2008.Hindi ko sila masisisi. Maraming tumaob. Maraming nagsara. Sa totoo nga, sa mahigit 200 na pre-need companies na meron nuon, 20 na lang ang in-operation pa rin hanggang ngayon.

Kung ang dahilan kung bakit ka walang life insurance ay dahil takot kang masayang ang pera mo at mauwi sa wala ang investment mo, lilinawin ko lang ulit, magkaiba ang life insurance company sa pre-need company. Hindi life insurance ang pre-need plan.

At higit sa lahat, WALA, KAHIT ISANG LIFE INSURANCE COMPANY sa Pilipinas ang nag-sara, tumaob or na-bankrupt. Mas marami pang bangko ang nag-sara na kesa sa life insurance companies.

Merong ngang mga life insurance companies na in operation na sa Pilipinas bago mag-1898. Ibig sabihin, mas matanda pa sila sa Republika ng Pilipinas at nasubok na ng rebolusyon, World War II, Martial Law at mga kudeta. Pero nandyan pa rin. Isa na dito ay ang SUN LIFE FINANCIAL proven track record at #1 Insurer in the Philippines.

Again, Wala pa pong nagsasarang life insurance companies sa pilipinas. Insurance commission, the one governing all insurance companies in the Philippines, requires an amount of money (from all insurance companies) as reserve fund. This fund is used in case of massive death in the Phillpines. Actually may mandate din ang insurance company na kapag may tendencies na mabankrupt or malugi ang isang life insurance company, it needs to be acquired by a larger insurance company. Kaya walang nagsasarang insurance companies, panay acquisitions lang.

Magkaiba po ang Life Insurance sa pre-need plans.

Kung gusto mong malaman ang pagkaka-iba ng Life Insurance at Pre-Need, eto ang table sa ibaba na nagkukumpara sa kanila:





ctto

Insurance is the only bill that can pay other Bills🌞💛

Life Insurance is a big help to you and to your family💛 Try to educate yourself what's the important of having this by talking a Financial Advisor.

When the time comes that you are no longer able to work because of sickness, accident, disablement or may not be able to take care of your family because of untimely death.

REMEMBER that Life Insurance is there to continuously provide for your family as if you are still there.

Your role in the family today is the same role Life Insurance will fill in, if in case something happens to you.

Your insurance MUST be one of your non-negotiable assets.

What is VUL?

Para sa mga nag ask ng questions like "Sa age ko ba pwede pa ko sa VUL na 1500, 2000, 2,500 - 5000/month."

and I always say yes pwede, sa Retirement benefit madalas nagkakaiba.

Here's a sample illustration for you guys.
Same Benefits and premium, Different Age.

If you're goal is for your retirement you might want to consider this 5-in-1 benefit for only 2,500/month.

📌Insurance Coverage of P1M
📌Accidental Death benefit of P500k
📌Total Disability Waiver of the Premium
📌Critical Illness benefit of P1M
📌Retirement Fund
_______________________

👉Life and Health Insurance with Investments
👉Projected benefits is not guaranteed, depende sa performance ng market.
👉DONT GET VUL if gusto mo yung pera mo money gain agad in less than 7-10 years. VUL is still Insurance Policy bonus niya ang investments. Get this one if long term goal mo like, Retirement, Educ fund, or more than 7-10 years.

Still expensive and gusto lang is pure insurance? and hindi kaya ng budget? no worries baka Term Insurance ang para sayo..

Do you want to get your own VUL Policy now? The good thing we can apply it online, message me 📩

Pag anak mo nagkasakit, takot ka ba gumastos ng malaki? 🤔

Ang sakit hindi maiiwasan! Pero kaya natin siyang agapan! 💡

Maginvest ng maaga sa Health Plan para sa anak mo! Iba ang maaga naghanda at iba ang Batang may Laban 💪

For as low as P600.00 a month, garantisado ang anak mo sa mga benepisyo na to:

✅ For as low as P600/mo
✅ Covers 114 Critical Illnesses
✅ Specific Cancer Booster Benefit
✅ Endowment and Cash Dividend Accumulation
✅ Up to Age 100

Send me a message

SUN LIFE POLICIES, ang kaagapay sa hirap at ginhawa. Ito ang partner na hindi nang iiwan. Gaya ng Sun Life Plan na SUN MAXILINK 100 & SUN MAXILINK PRIME, Avail for this Plan and Maging loyal ka lng kay Sunlife for atleast 10 years, Siguradong hindi ka iiwan sa oras ng pangangailangan🤩. Hindi din nya pababayaan at iiwan ang pamilya mo sa oras na may mangyari sayo or bigla kang mawala. At kung sakaling mabiyayaan ka man ng long Life, That would be Great dahil may pang RETIREMENT FUND ka din na maasahan sa iyong pagretiro.🥰

Maari mo ring gamitin ang plan na ito para sa educational fund ng mga anak mo.📚🖊 kaya with this affordable Plan, you can enjoy a bright and secure future for you and your family.👨‍👩‍👧‍👦

Message me for more info or pra sa Free sample proposal. 📩📩📩

Ps. Ang sample proposal below depends on the age and the allotted budget🙂

For only ₱60, our Personal Accident Armor provides you with year-long coverage of up to ₱50,000. 🛡️ This is the perfect D.E.A.L for the first-timers out there who want to learn about insurance!

Take these great initiatives and gear up for financial security with Personal Accident Armor here: https://bit.ly/sunlifealwaysON

The "BEST TIME" to own a "LIFE INSURANCE" is when you are YOUNG & HEALTHY coz the premiums are cheaper & you are insurable than when you are already OLD & sickly & not insurable anymore.

Getting a life insurance for your family is not an additional EXPENSE. You will get it because you LOVE your FAMILY, you want to protect & secure them in case of any uncertainties that you will encounter through out your journey.

Feel free to message me for consultation.📩

OFW ka ba?

Naisip mo ba na "hindi ka pwede maging OFW Forever?"

"Hindi habang buhay may employer na tatanggap sayo." "Pano pag nagkasakit ako, pano na pamilya ko"

Then check mo din.
Nakakapag save ka ba for yourself monthly? Kung hindi pa baka maconsider mo na mag save na.

Bakit? Some facts about OFW.

I have a client na OFW at eto ang ilan sa nashare nya saken:

1. Karamihan sa company is hindi nagbibigay ng retirement fund kahit gaano ka pa katagal nagserbisyo sa kanila.

2. May ibang OFW ang kahit nasa age 60 up hindi padin makauwi dahil wala naipon para sa retirement fund nila.

3. May ilan sa mga pinoy napapauwi sa pinas at nawawalan ng work dahil nagkaron ng health issue at ang masakit dito wala din naipon na pang simula sana ng buhay sa pinas.

Worst case is may mga OFW kahit retirement age na nila at gusto mo na umuwi hindi pwede kasi may umaasa pa sayo financially at need mo pa magwork kasi hindi nakaipon.

Sobrang homesick ang pakiramdam nila at hindi pinupulot ang pera sa ibang bansa kaya pahalaghan at magtulungan para makauwi na sila 😊

What if die soon or live too long? Life insurance will pay.

Here is a reminder that life insurance is intended to safeguard you and your family financially when unfortunate events happen.⠀
⠀
Speak to a financial advisor to understand how you can get sufficient life insurance for yourself and your family today! 😊

Love Insurance💛

"REGRET" is most painful at the end, but guess what, it is preventable if you act now.

Hindi lahat ng tao ay Insurable. Kaya habang HEALTHY ka pa, e-take ADVANTAGE mo na; magpa-INSURED ka, hindi para sa'yo, kundi para sa PAMILYA mo! PROTEKSYON para kahit wala ka na TULOY pa din ang mga PANGARAP mo para sa iyong PAMILYA.

Mahal mo ang iyong pamilya, tama Proteksyunan mo sila. Ngayun na! Dahil hindi mo alam kung bukas healthy at kaya mo pa.

Indeed, "the BEST TIME to BUY LIFE INSURANCE is when the TIME that you DON'T NEED IT!"

Talk to Financial Advisor
Ask me how.

4 Reasons Why Planning for Retirement is Important - Jhoanna E. Vorstenbosch

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 now will have a lesser value in the future.

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

4. We live longer – Imagine retiring at the age of 65 with NO INCOME, then living until the age of 80, that’s 15 years worth of expenses. 65 years old is 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 will go bankrupt?

Build your retirement fund today!

PWEDENG PWEDE TAYO MAGSIPAG.....
PERO.....

A. Wala pa rin ipon 🙁
B. May ipon pero walang napuntahang solido ang ipon 😩
C. May ipon pero wala parin security and peace of mind. 😢

Paano ito maiiwasan?

1. Tamang financial planning with a "trusted" licensed financial advisor na may puso at malasakit sayo at sa pamilya mo.
2. Desisyunan at disiplina

"It's not how much money you make, but how much money you keep, how hard it works for you, and how many generation you keep it for." -Robert Kiyosaki

Yung pagkasabi pa lang sa'yo na mag-IPON ka eh hirap na hirap ka na agad.

Minsan ikaw lang din ang naglilimita sa kung ano ang kaya mo at kung ano ang kakayanin mo!

Subukan mo muna bago ka umayaw. Siguro mahirap magsimula at madaming isasakripisyo pero sa huli naman eh para din ito sa ikakaginhawa mo.

Parang pag-iipon. Pagkuha ng life insurance. at pag invest.

Di naman sila talaga mahirap gawin pero alam mo bat nahihirapan ka na magsimula?

Kasi nga imbes na ang isipin mo kung paano mo gagawin eh ang iniisip mo ay di mo kaya kesyo ganito kesyo ganyan. Sa makatuwid, puro ka DAHILAN.

SIMULAN mo na kasi at wag mag DAHILAN! 🤔

Alin sa dalawa ang gusto mong mangyari sa iyo sa retirement mo?

(SCENARIO 1)

ANAK: Hello Ate/Kuya baka pwedeng sa'yo naman si sila mama'at papa kasi kinakapos na talaga kami sa budget.

(SCENARIO 2)

ANAK: Hello Ate/Kuya baka pwedeng samin naman sila mama'at papa namimiss na ng mga apo nila e.

--------------------
Magpaka-totoo tayo, ito ang madalas na nagaganap sa sitwasyon natin sa pagtanda.

Kaya kung may pagkakataon ka pa makapag-ipon, sana ay sulitin mo ito
at magsimula ka ng mag plano para sa retirement mo habang bata, malakas at kumikita kapa.

⚠️If you don’t want to see your loved ones take a huge financial hit when something bad happens or when you’re not there for them anymore… then you should transfer that risk by getting insured, so you and your loved ones have peace of mind.

Ask yourself, how much can you AFFORD to pay every month to guarantee that your family will have enough CASH to live the life you want them to? I want you to think about this…

Let me help you plan what is best suitable to your NEEDS and ofcourse to your BUDGET.

Message me and get Quoted today! 💛

Genelou Canete
Licensed Financial Advisor
09350040573

Sa TAGAL mo nang nagwowork ganeto pa din ba ang scenario mo?

Let’s talk about Budgeting.

This must be the right allocation of your Salary the 50/30/20 BUDGET RULE.

50 % - NEEDS
This amount must be spent on Housing, Food, Utilities, Health Care and Insurance

30 % - WANTS
This amount can be used for your Personal Care, Hobbies, Entertainment and Subscription

20 % SAVINGS
This fund will be used for building your Emergencies, Savings and Investments

After building your E-fund, this fund can be used for buying Cars, House, and other long term Goals. (Note: if your goal is more than 5 yrs, this must be invested to maximize the growth of your money.)

Your investments interest must be greater than the average 4% INFLATION. Meaning, the interest must be more than 8% to be safe.

(Note: You will ONLY withdraw this fund until Age 60, remember, Discipline is the Key)

Oh yan Kapatid, tinuruan na kita 😎. Kung gusto mo pa matuto, Feel free to message me for a Personal Financial Coaching. FREE lang naman to, so wag ka na mahiya 😅

Thanks for reading. Happy Sweldo! 🎉