Seaman And Ofw Retirement Project Official

Mahaba pero worth it na maintindihan.

May dalawang nagtanong kung VUL ba ang Kaiser Ultimate Health Builder.

Medyo nakakatawa ang tanong, pero baka nalito lang ang nagtatanong, kasi ang comparable lang ay ang rough description:

✅️ VUL is 2-in-1 life insurance + investment
✅️ Kaiser Ultimate is 3-in-1 healthcare + life insurance + investment
Specifically, ang Kaiser Ultimate ay 3-in-1 solution na:
✅️ Healthcare "if you get sick"
✅️ Life Insurance "if you die too soon"
✅️ Investment "if you live long"

Hindi comparable ang healthcare solution sa insurance solution.

Sa karamihan ng details, magkaiba sila:

1. Ang Kaiser Ultimate ay long term health care solution, na offered ng HMO company. Ang VUL ay life insurance solution na offered ng life insurance company.

2. Sa Kaiser, kapag sinabi na pay 7 years, ang ibig sabihin magbayad ng 7 years at SIGURADO fully paid na. Sa VUL pag sinabi na pay 10 years, ang ibig sabihin, magbayad ng 10 years, at SIGURO bayad na - Maaring kailangan magbayad ng dagdag.

3. Ang Kaiser Ultimate ay may fixed contract price, at dahil maaaring maging fully-paid, nag-i-issue ng certificate of full payment. Ang VUL ay never napu-fully paid, kaya walang certificate of full payment.

4. Ang Kaiser after ma-fully pay, ay may SIGURADONG cash value hanggang hindi terminated. Ang VUL ay hindi napu-fully pay, at walang guaranteed cash value. SIGURO may cash value at maaaring maubos dahil sa insurance charges.

5. Ang Kaiser health fund ay may SIGURADONG growth na 3% to 10%, pero usually 10%. Ang VUL, walang guaranteed growth, minsan negative.

6. Sa Kaiser, SIGURADO WALA nang fees at charges after 7 years. Ang VUL, SIGURADONG MAYROON insurance charges habambuhay.

7. At mas marami pang advantage sa Kaiser.

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PLEASE READ!!!DAHIL KELANGAN NATIN LAHAT ITO.

MARAMI ang nagtatanong, ANO daw ang pinaka-RECOMMENDED na healthcare provider sa Philippines?

We actually recommend LONG-TERM HEALTHCARE that does not only stand as healthcare, rather a COMPLETE RETIREMENT PACKAGE or that supports a COMPLETE FINANCIAL PLAN.

Sa PILIPINAS,
NAG-IISA lang ang ganito sa market:
“KAISER LONG TERM HEALTHCARE”
It's a 3 in 1 plan, composed of
(1) Lifetime Healthcare,
(2) Lifetime Investment and
(3) Life Insurance.

HOW Does Kaiser Long Term Healthcare Work?
It’s a 3-in-1 product that solves the 3 major financial needs of Filipinos:
(1) Healthcare
(2) Investment
(3) Insurance

⚠️ This long-term care product is called the Kaiser Ultimate Health Builder.

How does it work?
⚠️ The long-term care program has 3 phases:
the accumulation period,
extended period, and
the start of long-term care period (maturity).
1. ACCUMMULATION Period (7years)
This is the part where the plan holder is made to save for 7 years. - paying period
At this period, the plan holder gets to have the following AMAZING BENEFITS:
✔️- Free Annual Physical Exam
✔️- Free Dental Benefits
✔️- Waiver of Installment due to death
✔️- Waiver of Installment due to disability
✔️- Basic Medical Benefits
✔️- Member’s choice of room and board
✔️- Free Hospitalizaton with Annual Benefit Limit (starting at 50,000 per year depending on the plan, or higher)

2. EXTENDED Period (13years)
Since it is also an investment product, the fund has an extended period or what we call growing and waiting period as the funds are allowed to be invested and grow at an average rate of 10% yearly.
The plan holder no longer needs to contribute in his account but just have to wait for its maturity. The funds inside Kaiser are invested in mutual funds handled by one of the top investment companies in the Philippines.
The BENEFITS under EXTENDED period includes:
☝🏻- The same as the accumulation period but the payments are already deducted from the funds inside Kaiser.
☝🏻- Term Life Insurance for 20 years (starting at the accumulation period up to the end of extended period)
☝🏻- Accidental Death and Dismemberment for 20 years (starting at the accumulation period up to the end of extended period)
☝🏻- Lifetime Network access to over 500 major hospitals
☝🏻- Additional Health Bonus when the market is at top performance
☝🏻- Receives the VISA card after full contribution from the accumulation period

3. LONG TERM CARE Period (beyond 20 years)
Upon MARURITY, the plan holder will receive the following BENEFITS:
☝🏻- Total accumulation of unused health benefits
☝🏻- Long term care benefit or the plan coverage
☝🏻- Long term care bonus (up to 85% of return on premium contributed when there are no claims e.g. hospitalization during the accumulation period rendering the plan almost cost-free)
☝🏻Additional health benefits when the market is at top performance
💰 All the above benefits will be GOOD AS CASH.
The plan holder now has the option to withdraw all the money, or take half of it or, let it accumulate until retirement years continuing to grow at an average rate of 10% per year.
💰 Upon age 60 or 65, the person can then decide to convert it as pension type example getting the annual interest only per year, or withdraw it all as lump sum retirement fund.
💡The beauty of Kaiser long-term care program is that when a person gets sick, it is a HEALTH fund, but if not, it becomes your SAVINGS/INVESTMENT.
💡Unlike the traditional (short term or HMO) healthcare where the person contributes per year, and when he doesn’t get sick, no return of premium is available.
💡The Kaiser long term plan covers beyond age 60 and above basing on the health fund accumulated in your account until age 100.

PM me for other details! 😊
For your free quotation 👇👇👇👇

https://197398ph.imgcorp.com/quote/kaiser

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KAHIT GAANO KADAMI NG PERA MO HINDI MO SYA MABIBILI PAG MAY SAKIT KANA!😳

Kaya sabi ng mga Expert na Financial Educator protect yourSelf WHILE you're Still HEALTHY! SAVE and INVEST! Dapat may Protection ka bago ang lahat, HEALTHCARE PLAN and INSURANCE Plan ang foundation ng Lahat.

Kung baga sa Bahay HEALTHCARE ang Poste... INSURANCE ang Dingding at INVESTMENT ang Bubong.. Darating man ang bagyo Protektado ang buhay mo at ang Pamilya mo

Secure yourself with a healthcare plan.

Merong product na 3 in 1 Long Term Care na nagbibigay ng Lifetime healthcare, Investment and Insurance, 88 per day lang ay magkakaronon na nito. Ito ang Ultimate Kaiser Health Builder..

Stay with me while you can and I got you covered when you need me most, especially when you get old even through out your life time including your love ones.

I am an HMO (Health Maintenance Organization) with the following services that you need in life:

1. Healthcare - you will be given the perfect amount of KAISER care wherever you are in the Philippines through our network.

2. Term Insurance - you will have legacy to your love ones easing the PAIN of your absence when you're gone.

3. Investment - when you stay healthy through out the years, you are being rewarded with cash bonuses, aside from annual interest of your money, dividends and many more...as the years passes by until it reach its maturity. You will have the freedom to choose and enjoy your rewards!!

By then, you will realize and super grateful to your younger self for believing and doing the right thing.

Truly Yours with 💙

KAISER Saving Plan/ KAISER ULTIMATE HEALTH BUILDER💙

Age 10 to 60 can get a Kaiser Plan
If interested just message me how to assist you.

63 amazing IMG membership benefits! 🤩

My top favorites are:

#1. Sa IMG, natuto ako mag-ipon at magprepare for my future! Dito na rin kami nangarap ni Husband❤️ (Same mindset, same goals) 😃

#2. Time freedom, nakaalis ako sa employment ng may emergency funds at mas marami ng time kasama ang family na may career at business 💙

#3. Travel the world ✈️ madalas FREE, or subsidized. Hays, pangarap ko lang noon sumakay ng eroplano eh. By God's grace and favor, thru IMG, na-experience ko ang mga short flights to South East Asia. At ang 16 hours long flight pa UK and almost 10 hours going to Dubai.

Experience that amazing life at IMG 💙 be a member now.

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Habang bata ka pa!

𝙎𝙖 𝙆𝘼𝙄𝙎𝙀𝙍, 𝟕 𝙮𝙚𝙖𝙧𝙨 𝙠𝙖 𝙇𝙖𝙣𝙜 𝙢𝙖𝙜-𝙞𝙞𝙥𝙤𝙣. 𝙈𝙖𝙗𝙪𝙝𝙖𝙮 𝙠𝙖 𝙢𝙖𝙣 𝙝𝙖𝙣𝙜𝙜𝙖𝙣𝙜 𝟏𝟎𝟎 𝙮𝙚𝙖𝙧𝙨 𝙤𝙡𝙙 𝙢𝙖𝙮 𝙝𝙚𝙖𝙡𝙩𝙝𝙘𝙖𝙧𝙚 𝙠𝙖 𝙥𝙖 𝙧𝙞𝙣.

3in1 = 𝐇𝐞𝐚𝐥𝐭𝐡𝐂𝐚𝐫𝐞 + 𝐈𝐧𝐜𝐨𝐦𝐞 𝐑𝐞𝐩𝐥𝐚𝐜𝐞𝐦𝐞𝐧𝐭 + 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭. kumpleto na.

𝗔𝗱𝘃𝗮𝗻𝘁𝗮𝗴𝗲𝘀 𝗻𝗴 𝗞𝗔𝗜𝗦𝗘𝗥:
📌𝐕𝐄𝐑𝐘 𝐀𝐅𝐅𝐎𝐑𝐃𝐀𝐁𝐋𝐄:7 years mo lng babayaran. sa iba 10 to 20 years. kung may 5 years man masyadong mahal, wala pang healthcare yun.
📌𝐇𝐈𝐍𝐃𝐈 𝐏𝐑𝐎𝐁𝐋𝐄𝐌𝐀 𝐀𝐍𝐆 𝐏𝐀𝐆-𝐀𝐃𝐌𝐈𝐓 𝐌𝐎 𝐒𝐀 𝐎𝐒𝐏𝐈𝐓𝐀𝐋: magagamit mo ito dahil may kaiser ka at active ang plan, provided at least 1-yr ka ng nag-iipon thru kaiser.
📌𝐁𝐀𝐒𝐈𝐂 𝐌𝐄𝐃𝐈𝐂𝐀𝐋 𝐁𝐄𝐍𝐄𝐅𝐈𝐓𝐒: free annual physical examination, free dental cleaning, etc.
📌𝐅𝐈𝐗𝐄𝐃 𝐀𝐍𝐆 𝐀𝐌𝐎𝐔𝐍𝐓: kung ano ang inumpisahan mo, fixed na sya for 7-yrs hindi mag babago kahit nagkaka-edad ka.
📌𝐌𝐀𝐘𝐑𝐎𝐎𝐍 𝐅𝐀𝐌𝐈𝐋𝐘 𝐀𝐒𝐒𝐈𝐒𝐓𝐀𝐍𝐂𝐄: maaari mong ipagamit sa immediate family mong nagkasakit. hindi mo kailangan mangutang nang pandeposit sa hospital bill. *subject for kaiser approval*
📌𝐓𝐑𝐀𝐍𝐒𝐅𝐄𝐑𝐀𝐁𝐋𝐄: maari itong ma-transfer upon death, hindi magiging mabigat financially sa family ang pag-kawala mo. at pagdating ng maturity makakakuha ang iyong beneficiary ng malaking pera galing sa investment mo.
Build for your future!!

Huwag mong antayin Tatanda ka nang walang Ipon!!

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"Give the gift of savings this Christmas! Plan ahead, budget wisely, and find joy in meaningful, thoughtful gifts without breaking the bank."

This is the Best Gift this Christmas to yourself and love ones ! 😇🎄🎄🎄





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Ang Healthcare at Life Insurance are two products na mabibili mo lamang kapag HINDI MO PA KAILANGAN! Pero kapag kailangan mo na - hindi ka na pwedeng bumili (even if you can afford it).

Buying a healthcare plan or insurance policy is a PRIVILEGE. Dahil may mga taong gusto mag avail, pero di na pwede makabili.
It’s our healthy body, NOT our money, that enables us to buy it.

So ngayong bata ka pa, malusog ka pa, o wala ka pang sakit, this is the BEST TIME to start your Healthcare and Life Insurance.Ang Healthcare at Life Insurance are two products na mabibili mo lamang kapag HINDI MO PA KAILANGAN! Pero kapag kailangan mo na - hindi ka na pwedeng bumili (even if you can afford it).

Buying a healthcare plan or insurance policy is a PRIVILEGE. Dahil may mga taong gusto mag avail, pero di na pwede makabili.
It’s our healthy body, NOT our money, that enables us to buy it.

So ngayong bata ka pa, malusog ka pa, o wala ka pang sakit, this is the BEST TIME to start your Healthcare and Life Insurance.

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Your MEMORIAL PLAN and LIFE INSURANCE is IMPORTANT but a HEALTHCARE PLAN SHOULD BE YOUR TOP PRIORITY.

KAISER LONG TERM HEALTHCARE WITH INVESTMENT AND INSURANCE is 7 years to PAY BUT WILL COVER YOU FOR THE REST OF YOUR LIFE.

🔰START WITH YOUR 88 PESOS A DAY🔰

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𝗔𝗻𝗼 𝗮𝗻𝗴 𝗸𝗮𝗴𝗮𝗻𝗱𝗮𝗵𝗮𝗻 ng KAISER SAVINGS PROGRAM??? At BAKIT KAISER???🤔

Sa KAISER seven (7) years lang mag-iipon pero lifetime ang benefits kaya walang pera na masasayang dahil ito "𝑨𝒏𝒈 𝑰𝑷𝑶𝑵 𝒏𝒂 𝒘𝒂𝒍𝒂𝒏𝒈 𝑻𝑨𝑷𝑶𝑵".
This is a 3 in 1 product:
𝟭. Long-Term 𝗛𝗘𝗔𝗟𝗧𝗛𝗖𝗔𝗥𝗘 𝗼𝗿 𝗛𝗠𝗢 - sa oras na magkasakit may magagamit na healthcare lalo na sa retirement years mo.

𝟮. 𝗠𝗮𝘆 𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 -may maiiwan na pera sa pamilya kapag kinuha ni Lord ng maaga or ma-disabled ang BREADWINNER.

𝟯. 𝗠𝗮𝘆 𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧 - may pera na magagamit sa retirement or after policy maturity.

KAYA Start now habang bata pa at kaya pang mag ipon... dahil mahirap ang walang ipon lalo na sa panahon ng pagkakasakit.

We can guide you on how to start.

Message us to book an appointment!

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May KAISER Long Term Care ka na ba?
Kaiser Long Term Care (also known as "Kaiser Ultimate Health Builder (3in1 Plan)" - is an HMO (Health Maintenance Organization) savings plan which is a complete Financial Solution that answers our 3 major financial needs:💥
1. - magagamit natin when we got sick, hindi na natin problema yung pampaospital. At cover tayo nito even when we retire - kung saan mas kailangan natin yung healthcare, kasi dyan na naglalabasan yung mga health conditions.💥

2. - in case something will happen to us unexpectedly - maaga tayo tinawag ni Lord, makaka-receive ang family ng life insurance money. This is crucial especially kung ikaw ay breadwinner - hindi na problem ang mga gastusin, pampaaral sa mga anak, at magagamit din na makapag-start ng business to generate continuous income. 💥

3. - kapag blessed tayo ni Lord with long life - it's good news, pero ang tanong ngayon, "enough ba ang savings natin to support our needs when we retire?" - This will generate passive income sa ating retirement years, ito yung panahon na hindi na tayo kumikita ng active income kaya kailangan natin magbuild ng passive income as early as we can para kahit na hindi na tayo nagtatrabaho ay pumapatak parin yung income.
Grow your money faster, better, and safer by investing in Kaiser Long Term Care with 10% average returns per year. 💥
"Time is precious and regret is always at the end. Take control of your future while you can."
Be Healthy and Insured while investing!💥
Act Now, secure your future!
If not now, when? kung wala ka nang oras? If not this, what else out there?💥

Message me for to know more!

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ANG INSURANCE KO AY PWEDE KAHIT NASA ABROAD KA PA!
Yes tama, explain ko sayo.

1. Kasi ang Master policy ay nasa IMG Association. Then under Master policy, meron akong individual policy dahil Member ako ng IMG.
2. Grabe sa edad ko na 41 years old, 14K lang ang annual fee sa aking life insurance. Ang mura diba?!
Eto pa mga coverage:
1. Life Insurance 1M
2. Terminal Illness 500K
3. Total and Permanent Disabilty 1M
4. AD&D 1M
5. Critical Illness 300K

Total 3.8M of Coverage sa halagang 14,816 a year. Super mura diba...

PS. 3rd Insurance ko na ito sa IMG. Yung isang tulad neto ay mas mura kasi 6 years ago ko pa yun kinuha.
And yun ang hindi pwede sa ibang bansa kasi individual policy tlga yun. Pero pwede nman yun kahit dika Member ng IMG.
Yung nasa Picture pwede sa ibang bansa basta member ka ng IMG.

I hope malinaw na kung bakit ang insurance namin ay pwede sa ibang bansa?

OFW ka? Ano pa inaantay mo?

Kumuha ka na din para ano't ano man ang mangyari, secure ang pamilya mo diba...

Mas bata mas mura... Wag mo na antaying magBirthday ka pa, tataas na presyo. 😊😊😊

Message me for details :)

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Huwag excited. 😉

Nauna St. Peter eh paano kung tatambay ka muna ke St. Lukes?🤔

Tara at matuto sa tulong ni IMG! Build your Solid Financial Foundation now! 😊

Attend our FREE Financial Coaching and Investment Class via zoom or face to face para mas matuto ka pa tungkol sa tamang pag-iipon at pag-iinvest. Bibigyan na din kita ng FREE EBOOK copy ng THE SECRET TO SAVING AND BUILDING YOUR FUTURE, natutulungan ako nito alam ko ikaw din😊

Message me now❤️





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Top Financial Mistakes

Prepare for UNEXPECTED
Get KAISER today

Sa KAISER 7 years ka lang na mag iipon pero lifetime ang benefits kaya wala kang pera na masasayang dahil ito "Ang IPON na walang TAPON". 3 in 1 investment pa!

1. May HEALTHCARE or HMO ka.
👉🏻 may magagamit pag nagkasakit.

2. May LIFE INSURANCE ka.
👉🏻 may maiiwan na pera sa pamilya kapag kinuha ni Lord ng maaga or ma disabled.

3. May INVESTMENT ka.
👉🏻 may pera ka na magagamit sa retirement or after policy maturity dahil ang pera mo ay naka invest din sa stock market.

Kung gusto mong maintindihan ang mga basic plans at paano ka makakapag uumpisa... mag direct message lang po para ma guide ka.

Start now habang bata pa at kaya mo pang mag ipon... dahil mahirap ang walang ipon lalo na sa panahon ng pagkakasakit.

Happy Investing!

Start now for your KAISER savings.

More info just message me.







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The 𝗯𝗲𝘀𝘁 𝗶𝗽𝗼n na 𝘄𝗮𝗹𝗮𝗻𝗴 𝘁𝗮𝗽𝗼𝗻.
𝑯𝒐𝒘 𝑫𝒐𝒆𝒔 𝑲𝒂𝒊𝒔𝒆𝒓 𝑳𝒐𝒏𝒈-𝑻𝒆𝒓𝒎 𝑯𝒆𝒂𝒍𝒕𝒉𝒄𝒂𝒓𝒆 𝑾𝒐𝒓𝒌?
It’s a 3-in-1 product that solves the 3 major Financial Needs of Filipinos:
- LONG TERM HEALTHCARE
- DEATH AND ACCIDENT INSURANCE
- INVESTMENT
3 PHASES OF LONG-TERM CARE PERIOD: 𝑨𝒄𝒄𝒖𝒎𝒖𝒍𝒂𝒕𝒊𝒐𝒏 𝑷𝒆𝒓𝒊𝒐𝒅 (7 𝒚𝒆𝒂𝒓𝒔)
You start saving for 7 years while getting the following benefits:
- Free Annual Physical Exam
- Free Dental Benefits
- Waiver of Installment due to death
- Transfer of investment to beneficiary if planholder dies
- Waiver of Installment due to disability
- Basic Medical Benefits
- Member’s choice of room and board
- Free Hospitalization with Annual Benefit Limit (starting at 50,000/year depending on the plan)
- Life insurance equivalent to contract price
- Accidental Death and Dismemberment for 20 years
- Lifetime network access to over 500 major hospitals and pool of doctors. 𝑬𝒙𝒕𝒆𝒏𝒅𝒆𝒅 𝑷𝒆𝒓𝒊𝒐𝒅 (13 𝒚𝒆𝒂𝒓𝒔)
As a health savings product, the funds are invested and allowed to grow at an average rate of 10% yearly. You stop paying and wait for the money to grow thru compounding interest. Kaiser invests in mutual funds handled by Soldivo and Rampver Financials. Benefits include:
- Same as the accumulation period but all health/hospital benefits will be deducted from your Kaiser fund.
- Additional Health Bonus when the market is at top performance
- All diseases covered including pre-existing conditions, critical illnesses, dreaded diseases, and maternity/childbirth. 𝑳𝒐𝒏𝒈-𝒕𝒆𝒓𝒎 𝑪𝒂𝒓𝒆 𝑷𝒆𝒓𝒊𝒐𝒅 (𝒃𝒆𝒚𝒐𝒏𝒅 20 𝒚𝒆𝒂𝒓𝒔)
Upon maturity, the plan holder will receive the following benefits:
- Total accumulation of un-used health funds
- Guaranteed longterm care benefit or the plan coverage
- Long term care bonus (up to 85% RETURN of premiums/moneyback when no claims are made during the accumulation period or within the first 7yrs.
Additional health benefits when the market is at top performance.
Receives visa card where the funds are deposited.
Options upon maturity:
- Withdraw all the money.
- Withdraw a portion/interest only and growth continues.
Retain all and let it grow at an average of 10% Yearly.
Kaiser covers your medical bills when you're sick. But when you're healthy, Kaiser saves and invests your money for future use.
This is NOT your traditional healthcare where you pay every year, but has no returns/savings when you don't get sick.
The Kaiser long term plan covers beyond 60yrs old & above based on the health funds accumulated.
𝙉𝙤𝙩𝙚: 𝙏𝙝𝙞𝙨 𝙞𝙨 𝙣𝙤𝙩 𝙖 𝙡𝙞𝙛𝙚 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙥𝙧𝙤𝙙𝙪𝙘𝙩, 𝙨𝙤 𝙖𝙡𝙡 𝙁𝙞𝙡𝙞𝙥𝙞𝙣𝙤𝙨 𝙗𝙖𝙨𝙚𝙙 𝙖𝙣𝙙 𝙤𝙧 𝙬𝙤𝙧𝙠𝙞𝙣𝙜 𝙞𝙣 𝙖𝙗𝙧𝙤𝙖𝙙 𝙘𝙖𝙣 𝙖𝙫𝙖𝙞𝙡 𝙖𝙣𝙙 𝙖𝙥𝙥𝙡𝙮 𝙛𝙤𝙧 𝙩𝙝𝙞𝙨 𝙤𝙣𝙡𝙞𝙣𝙚.
============================
Avail your Online policy account now! Habang ikaw ay bata at malakas pa at most importantly kumikita pa!
Just message me for details

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Mutual funds Investment, very affordable investment para sa lahat lalo na sa mga baguhang mag invest!

Hindi mo siya kailangan bantayan, kasi may Fund Manager na nag ma manage ng investment mo, money working for us very liquid.

Message me para matulungan kita..

Sa KAISER 7 years ka lang na mag iipon pero lifetime ang benefits kaya wala kang pera na masasayang dahil ito "Ang IPON na walang TAPON". 3 in 1 investment pa!

1. May HEALTHCARE or HMO ka.
👉🏻 may magagamit pag nagkasakit.

2. May LIFE INSURANCE ka.
👉🏻 may maiiwan na pera sa pamilya kapag kinuha ni Lord ng maaga or ma disabled.

3. May INVESTMENT ka.
👉🏻 may pera ka na magagamit sa retirement or after policy maturity dahil ang pera mo ay naka invest din sa stock market.

Kung gusto mong maintindihan ang mga basic plans at paano ka makakapag uumpisa... mag direct message lang po para ma guide ka.
Start now habang bata pa at kaya mo pang mag ipon... dahil mahirap ang walang ipon lalo na sa panahon ng pagkakasakit.

Happy Investing!

Start now for your KAISER savings plan.
Message me 💌 now.

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If you want to improve your money management, try these rules:

1. Create a Budget — track your income and expenses.

2. Limit Dining Out — cook at home to save money.

3. Use Cash Instead — it helps you stick to your budget.

4. Compare Prices — always look for the best deals.

5. Review Subscriptions — cancel what you don’t use regularly.

Poverty is not lack of money but mismanage money.

We need to learn how and this is the sign na kailangan mo ng Financial Education

if pagod ka na sa cycle na Trabaho ➡️ Income ➡️ Bayad sa bills/ Responsibilities ➡️ di pa dumadating ang sweldo naghihingalo na ang wallet ➡️ Utang dahil wala ng budget ➡️ Trabaho para may pambayad ma naman sa bills.

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Bakit hindi ka makapagdecide..?
Kasi ganito.....🤔

—“Wala akong Pera”
—“Ayaw ng Asawa ko”
—“Scam Yan”
—“Di ko Yan Linya”
—“Busy ako, wala akong TIME”
—“May trabaho na ako”

Puro negative agad pumapasok sa isip mo...pero in reality, never nawawala sa tao mga ganyang problema..

NEVER..

UNLESS you CHANGE your MINDSET and make your LIFE BETTER!😀😊😍

Paano kung ganito..?

—“Turuan mo ko”
—“Gagawan ko ng Paraan”
—“Turuan mo ko Kasi pagod na pagod na Ako mag TRABAHO Wala akong ipon”
—“Gusto ko talaga ng EXTRA INCOME”
—“Ayoko na mastress sa BOSS ko..gusto ko na maging BOSS”

Ako gusto kong mabago buhay ko...at ng pamilya ko...kaya kahit saan POSITIVE ako..Sana ikaw din..!💪💪

Swerte ko lang talaga dahil there’s somebody who offered me an AMAZING OPPORTUNITY..Malaking Blessing to sa akin..

And I want to share this BLESSING with you..





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