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Financial Advice, Insurance, & Investments [Free Quotation for Everyone]

-A7PHA-

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Hello Symbianize matagal tagal na din akong member neto since nung Old palang sya, at puro pasasalamat lang ang na contribute ko heheh.

Now let me serve this community by providing Financial Advice via Insurance and Investment.

First of all, you can call me Kuya A, I am a Licensed Financial Advisor from PRU Life UK here in the Philippines,
("Prudential PLC" Globally, Note hindi po sya yong Prudential Plan na nagsara, iba po yon heheh).

Ang goal ko is makapag provide ng best financial product that best suits your needs.

Mag bibigay po ako ng Free Quotation Proposal and even Policy review if may existing Policy ka na, kahit sa ibang company po ^_^.

For General Info reply lang po kayo sa Thread na to, and I will answer it sa abot ng aking makakaya ^_^.

Calling out din po sa mga Insurers sa ibang company para po mabigyan naten ng suitable na product ang ating mga ka symbianize ^_^.

TOOLS​

Personal Finance Self Assessment using Financial Building Blocks



CONTEST AND PROMOS​

 
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Thread edited as per Forum Rules #10.
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Vincent Valentine

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Hello Symbianize matagal tagal na din akong member neto since nung Old palang sya, at puro pasasalamat lang ang na contribute ko heheh.

Now let me serve this community by providing Financial Advice via Insurance and Investment.

First of all, you can call me Kuya A, I am a Licensed Financial Advisor from PRU Life UK here in the Philippines ("Prudential PLC" Globally, Note hindi po sya yong Prudential Plan na nagsara, iba po yon heheh).

Ang goal ko is makapag provide ng best financial product that best suits your needs.

Mag bibigay po ako ng Free Quotation Proposal and even Policy review if may existing Policy ka na, kahit sa ibang company po ^_^.

Para po safe ang inyong info, you can send me a message sa 09613309651

For General Info reply lang po kayo sa Thread na to, and I will answer it sa abot ng aking makakaya ^_^.
Up for this sir! Laking tulong! :inlove:
 

mixgamingph

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Uy nice bukas magpa consult ako sayo sa insurance na nakuha ko
 

-A7PHA-

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Personal Finance Self Assessment

This will help you choose what kind of insurance and riders na need mo idadag sa pagkuha ng policy mo and also to know if stable nga ba ang finances naten.

1654624878920.png

Just download and Extract the RAR File on the attached files.
Hover your pointer sa mga first row ng each block para sa guide.
- Better if may estimated amount yong mga sagot mo.
- If wala kang maisagot leave it blank

pag may questions, comment lang ^_^


 

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  • Financial Building Blocks.rar
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-A7PHA-

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How to pick the right medical bills protection for you and your family.​

If you’re new to picking a plan to protect yourself from high hospital bills, these are the things you may want to consider first before buying:

HMO through your employer

HMO is short health maintenance organizations that are usually provided by employers to you upon regularization. HMO usually covers expenses on emergency room trips, doctor’s consultations, and lab tests, ranging from P20,000 to P200,000 per year. This amount depends on your company, and since HMOs are linked to your company, you can only use it as long as you’re being employed by them.

Your expected health care needs

Depending on your family’s medical history, you can prepare for what kind of care you will possibly need in the future by talking with your family doctor.

Your budget

Now that you know your possible health care needs, you can choose a plan that can cover the potential medical bills but is within your budget.

Choosing the right plan can seem daunting—but whatever you do, don’t put it off or skip protection altogether. You might end up paying more hospital bills than you would’ve on coverage.

Credit to SingleLife

Kahit na anong mangyari lalo na at may kakayahan ka naman, wag ipagwawalang bahala ang pagkakaroon ng Life at Medical Insurance. It's Either gumastos ka ng maliit na halaga ngayon or gumastos ka ng malaki sa hindi mo inaasahang pagkakataon.​
 

-A7PHA-

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Life Insurance Benefits and Features that you might not know

1. Did you know that after 3 months of issuance of your policy from PRU Life UK, you can avail or claim your Critical Illness Benefits even if it isn't fully paid?
Yes kahit 3 months mo palang nababayaran yong policy mo, let say 3k Monthly yong premium mo that's 9k for 3 months. Pero may 1 Million Critical Illness Benefit ka, pede mong iclaim yan ng full ^_^.

2. Did you know that if you avail a VUL Policy, premiums won't increase as you age? unlike traditional insurances that increases over time.
Yes kung nakakuha ka ng VUL at age 25, ang babayaran mong premium is same as nung 25 years old ka, kahit tumanda ka pa. Maari lang tumaas ang premium mo depende sa performance ng insurance company mo sa stocks and investments.
 

Arthur Leywin

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Pahingi po ng advice. May extrang pera po ako naka stay sa aking payroll atm. Wala akong bank account. Any recommendation? Plano ko po kasi na medyo kumikita ng interest ang pera ko, tho hindi mataas ang need ko kasi baka mawala ang pera pag mataas ang risk.
 

-A7PHA-

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Pahingi po ng advice. May extrang pera po ako naka stay sa aking payroll atm. Wala akong bank account. Any recommendation? Plano ko po kasi na medyo kumikita ng interest ang pera ko, tho hindi mataas ang need ko kasi baka mawala ang pera pag mataas ang risk.

Magandang suggestion po ito, but before investing consider this.

Okay na ba ang iyong financial foundation? May mga backup ka ba sa mga what ifs mo?

For example, na build mo na ba ang emergency fund mo? If incase ma accident, magkasakit, ma disable or mawala sa mundong ito, saan ka or family mo kkuha ng pera for this?

To simplify ganito dapat yonf structure ng finances naten bago tayo mag invest.

Financial Pyramid.png

Kasi what if mangyari sayo yong mga di inaasahan, saan mo kukunin yong pondo? sa investment mo? what if di pa kumikita or worse nasa bear market?

Kaya eto po ang suggestion ko.

1. Ipon ka po for emergency fund, maganda kung ilalagay mo eto sa banks or wallets na kumikita ng 4%-5% Annually, Examples po nyan is Maya Savings, Gsave, Seabank.
At nakahiwalay sya sa ginagamit mong card or wallet para sa mga necessities mo.

Kasi eto ay gagamitin mo lang for emergency. Example nawalann ka ng trabaho, medical emergencies na di covered ng HMO or Insurance mo and etc.

Q: How much naman need mo na nasa emergency fund or wallet mo?
A: At least 6 months to 1 year ng iyong monthly income. So Monthly income x 6 or 12

If may na ipon ka na good, if wala pa, pede mo ipunin yan ng paunti unti.

Pede mo gamitin ang 60-20-20 Rule sa pag sasave. 60% for your Necessities, 20% Savings, 20% Wants.
Syempre pede mo laruin yan, kung aggressive kang mag ipon pede mong ilaan ang ibang % sa savings.

2. Apply ka for Income Protection, madaming klase yan ang pinaka popular ngayon is VUL or Insurance with investment.
Mas bata, Mas Healthy ka, mas mura at mas malaki ang coverage na makukuha mo.

Eto yong mga importante na dapat covered ka or laman ng VUL mo,
-Life Insurance
-Health Insurance/Critical Illness Insurance
-Disability Insurance
-Accident Insurance
-Hospital income benefit.

If enough yong coverage mo, di mo magagalaw yong savings or investments mo, si insurance na ang bahala sayo, incase of uncertainties.
Ang kagandahan sa VUL may sariling investment yan, so may naiipon ka kahit paano na masmalaki ang earning kesa sa bank, pede mo yang gamitin for your retirement.

Q: How much coverage ang kelangan ko?
A: General Rule of Thumb, dapat
- 10 x ng iyong annual income ang life insurance
- 5 X ng iyong annual income ang health insurance.

But in case di kaya ng budget pede naman magpagawa ka sa iyong trusted financial advisor ng pasok sa budget mo. Then pag lumalaki ng ang income mo pede ka ulit magdagdag ng policy.

Pede mong hatiin yong savings mo dito, kalahati sa emergency fund, kalahati sa VUL. Remember 60-20-20 Rule? Pede mo gawin 10% sa Emergency Fund at 10% sa VUL.

Para sa akin, mas okay na pagsabayin ang dalawang to, kasi hindi mo naman alam kung kelan ka tatamaan ng, Critical Illness, Disability or Accident.



3. Apply for HMO card, usually meron ka nyan if employed ka, in case wala, pede ka din mag apply may mga gastos padin kasi na di sakop ng life/health insurance na meron sa HMO.

4. Bayad utang, simulan mo sa pinakamaliit papunta sa pinakamalaki mong utang, Mas madali makabayad pag alam mo nakaka usad ka kesa sa minimum lang binabayaran mo.

5. If okay na lahat, at pakiramdam mo may extra money ka na, saka ka mag invest sa mga high risk investments. or kung gusto mo naman low risk, gaya ng pagibig MP2. Wag ka mag iinvest sa bagay na wala kang alam. Mag research at magtanong.

Sana po nakatulong ^_^.
 

Arthur Leywin

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-A7PHA- Grabe sa information boss. Nabasa ko sya and somehow medyo nauunawaan ko. Siguro kakailanganin ko magresearch nang maigi. Salamat.
 

-A7PHA-

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-A7PHA- Grabe sa information boss. Nabasa ko sya and somehow medyo nauunawaan ko. Siguro kakailanganin ko magresearch nang maigi. Salamat.
Yes lods, or if may trusted kang financial advisor, pede ka mag pa discuss sa kanila, then weight mo na lang kung saan mas babagay sayo,

Mas okay may sa bawat company meron ka, free lang naman mag pa advice 😉
 

-A7PHA-

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Gusto mo bang itrack ang income, expenses, debts, savings at investment mo?
Download this Personal Finance Tracker for Free!

Just put at least $0 to download the file for Free, but if you liked it, you can also donate ^_^
https://ko-fi.com/s/8b00ff7701

Here's how it looks like

If may na encounter kayong errors, or may suggestions kayo to improve this tracker please let me know ^_^

Personal Finance Tracker.png
Personal Finance Tracker 1.png
Personal Finance Tracker 2.png
 
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