Wise Pinoy

Early preparation is the key.

Work hard, save now and relax later!

'DON'T JUST FOCUS ON EARNINGS. LEARN TO MANAGE YOUR FINANCES PROPERLY and LEARN TO BUILD PASSIVE INCOME AS WELL.

Wag lang tayo umasa sa sahod ng pagiging OFW natin, kailangan maghanap ka talaga ng extrang income, para makaipon at makapaginvest ka ng tuloy2, ang day off mo or ung extrang oras gamitin mo para kumita online or offline, para kahit umuwi at maisipan mo na mag for good may sahud at income ka pa din kahit nasa Pinas ka na.

Pero dapat maging Financially literate ka muna..Kasi mga kapwa ko OFW kahit tumagal pa tayo sa abroad at magtriple kayod ka pa sa trabaho, if you fail to build your finances in the right way, yung sabi mong susubukan mo lng ng 2years sa abroad, inabot na pala ng 10years or more and you're still stuck in the same financial situation, hindi makauwi uwi dahil walang IPON, walang INVESTMENT, walang FINANCIAL FOUNDATION at BAON PA SA UTANG.

This is a very Sad story of most OFW's na nag for good na dahil either matanda na or may sakit na tapos wala man lang naipon, walang Healthcare funds na pampagamot sa sakit. Pamilya ang lalong nahihirapan. Ang masakit pa ung ibang OFW'S umuwi na naghihirap na at pinababayaan na ng pamilya.😔

Kaya wag kang pumayag na uuwi kang OFW pa rin ang tatak mo, dapat uuwi kang isa nang OFI (OVERSEAS FILIPINO INVESTOR)

Learn more here 👇

👉

Credit to Coach Meriann Sanchez Regulto

Kung ang edad mo ay 40 years old below
At kaya mong magsave ng 2,647 monthly mayron kanang...
HEALTHCARE
LIFE INSURANCE
INVESTMENT

Nais mo bang magkaroon ng sapat na Retirement Fund pagretire mo?
Ngayon ang magandang panahon upang makapagsimula ka.

Hindi sapat ang SSS pension pagtanda mo kaya mas maganda ngayon palang dagdagan mona ang iyong savings para sa future mo.
Maganda rin may ipon ka pamana rin yan sa iyong mga anak.

Take Note: 7 years ka lang magsacrifice, magdiscipline sa iyong sarili sa pagiipon mo, konting tiyaga lang. Isipin mo kung dika magTake Action ngayon. Habang tumatagal tumatanda ka. Paiksi ng paiksi ang time mo na makapagprepare..

DM me

𝐀𝐧𝐨 𝐛𝐚 𝐦𝐞𝐫𝐨𝐧 𝐬𝐚 𝐊𝐀𝐈𝐒𝐄𝐑 𝐧𝐚 𝐝𝐚𝐩𝐚𝐭 𝐦𝐨𝐧𝐠 𝐩𝐚𝐠 𝐢𝐬𝐢𝐩𝐚𝐧?
𝐀𝐍𝐎 𝐚𝐧𝐠 𝐩𝐚𝐠𝐤𝐚𝐤𝐚-𝐢𝐛𝐚 𝐧𝐠 𝐁𝐄𝐍𝐄𝐏𝐈𝐒𝐘𝐎 𝐍𝐆 𝐊𝐀𝐈𝐒𝐄𝐑, 𝐬𝐚 𝐢𝐛𝐚𝐧𝐠 𝐇𝐌𝐎?

𝗥𝗲𝗴𝘂𝗹𝗮𝗿 𝗛𝗠𝗢
➳ 𝑇𝑎𝑜𝑛-𝑡𝑎𝑜𝑛 𝑘𝑎 𝑚𝑎𝑔 𝑏𝑎𝑏𝑎𝑦𝑎𝑑 𝑝𝑎𝑟𝑎 𝑖𝑘𝑎𝑤 𝑎𝑦 𝑐𝑜𝑣𝑒𝑟𝑒𝑑 𝑎𝑡 𝑡𝑢𝑚𝑎𝑡𝑎𝑎𝑠 𝑎𝑛𝑔 𝑏𝑖𝑛𝑎𝑏𝑎𝑦𝑎𝑟𝑎𝑛 𝑚𝑜 𝑘𝑎𝑠𝑖 𝑛𝑎𝑑𝑎𝑑𝑎𝑔𝑑𝑎𝑔𝑎𝑛 𝑎𝑛𝑔 𝑒𝑑𝑎𝑑 𝑚𝑜.
➳ 𝐻𝑖𝑛𝑑𝑖 𝑘𝑎𝑛𝑎 𝑚𝑎𝑘𝑎𝑘𝑎𝑎𝑣𝑎𝑖𝑙 𝑘𝑢𝑛𝑔 𝑚𝑎𝑦 𝑠𝑎𝑘𝑖𝑡 𝑘𝑎 𝑠𝑎 𝑝𝑎𝑛𝑎ℎ𝑜𝑛 𝑛𝑎 𝑖𝑘𝑎𝑤 𝑎𝑦 𝑛𝑎𝑔 𝑎𝑝𝑝𝑙𝑦, 𝑘𝑎ℎ𝑖𝑡 𝑟𝑒𝑔𝑢𝑙𝑎𝑟 𝑘𝑎𝑛𝑔 𝑐𝑙𝑖𝑒𝑛𝑡.
➳ 𝑁𝑜 𝑟𝑒𝑏𝑎𝑡𝑒 𝑝𝑎𝑔 𝑑𝑖 𝑚𝑜 𝑛𝑎𝑔𝑎𝑚𝑖𝑡 𝑑𝑎ℎ𝑖𝑙 ℎ𝑒𝑎𝑙𝑡ℎ𝑦 𝑘𝑎 𝑡ℎ𝑎𝑡 𝑦𝑒𝑎𝑟.

𝗞𝗮𝗶𝘀𝗲𝗿 𝟯 𝗶𝗻 𝟭
✅ 3𝑖𝑛1 𝑝𝑟𝑜𝑑𝑢𝑐𝑡. 𝑀𝑎𝑦 𝐻𝑜𝑠𝑝𝑖𝑡𝑎𝑙𝑖𝑧𝑎𝑡𝑖𝑜𝑛 𝐻𝑒𝑎𝑙𝑡ℎ𝐶𝑎𝑟𝑒 + 𝐼𝑛𝑐𝑜𝑚𝑒 𝑅𝑒𝑝𝑙𝑎𝑐𝑒𝑚𝑒𝑛𝑡 + 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝑘𝑎 𝑛𝑎𝑛𝑔 𝑚𝑎𝑔𝑎𝑔𝑎𝑚𝑖𝑡. 𝑊𝑎𝑙𝑎 𝑘𝑎𝑛𝑔 𝑒𝑥𝑡𝑟𝑎𝑛𝑔 𝑏𝑎𝑏𝑎𝑦𝑎𝑟𝑎𝑛 𝑝𝑎𝑟𝑎 𝑒-𝑎𝑣𝑎𝑖𝑙 𝑖𝑠𝑎-𝑖𝑠𝑎. 𝐾𝑎𝑦𝑎 𝑚𝑎𝑦 𝑝𝑒𝑎𝑐𝑒 𝑜𝑓 𝑚𝑖𝑛𝑑 𝑘𝑎.
✅ 𝑉𝑒𝑟𝑦 𝐴𝑓𝑓𝑜𝑟𝑑𝑎𝑏𝑙𝑒. 7𝑦𝑒𝑎𝑟𝑠 𝑘𝑎 𝑙𝑎𝑛𝑔 𝑚𝑎𝑔-𝑖𝑖𝑝𝑜𝑛. 𝑀𝑎𝑏𝑢ℎ𝑎𝑦 𝑘𝑎 𝑚𝑎𝑛 ℎ𝑎𝑛𝑔𝑔𝑎𝑛𝑔 100 𝑦𝑒𝑎𝑟𝑠 𝑚𝑎𝑦 ℎ𝑒𝑎𝑙𝑡ℎ𝑐𝑎𝑟𝑒 𝑘𝑎 𝑝𝑎 𝑟𝑖𝑛.
✅𝐶𝑜𝑣𝑒𝑟𝑒𝑑 𝑙𝑎ℎ𝑎𝑡 𝑛𝑔 𝑠𝑎𝑘𝑖𝑡, 𝑒𝑣𝑒𝑛 𝑝𝑟𝑒-𝑒𝑥𝑖𝑠𝑡𝑖𝑛𝑔 𝑖𝑙𝑙𝑛𝑒𝑠𝑠𝑒𝑠 𝑎𝑓𝑡𝑒𝑟 𝑡ℎ𝑒 𝑎𝑐𝑐𝑢𝑚𝑢𝑙𝑎𝑡𝑖𝑜𝑛 𝑝𝑒𝑟𝑖𝑜𝑑.
✅𝑆𝑎𝑔𝑜𝑡 𝑛𝑎 𝑙𝑎ℎ𝑎𝑡 𝑎𝑛𝑔 ℎ𝑜𝑠𝑝𝑖𝑡𝑎𝑙 𝑏𝑖𝑙𝑙𝑠 𝑓𝑟𝑜𝑚 𝑟𝑜𝑜𝑚 𝑎𝑐𝑐𝑜𝑚𝑚𝑜𝑑𝑎𝑡𝑖𝑜𝑛 𝑘𝑎ℎ𝑖𝑡 𝑖𝑙𝑎𝑛𝑔 𝑏𝑢𝑤𝑎𝑛 𝑘𝑎𝑝𝑎. 𝑈𝑢𝑤𝑖 𝑘𝑎𝑛𝑔 𝑚𝑎𝑦 𝑛𝑔𝑖𝑡𝑖 𝑠𝑎 𝑙𝑎𝑏𝑖 𝑎𝑡 𝑤𝑎𝑙𝑎𝑛𝑔 𝑖𝑛𝑖𝑖𝑠𝑖𝑝 𝑛𝑎 𝑢𝑡𝑎𝑛𝑔.
✅𝑈𝑛𝑙𝑖𝑚𝑖𝑡𝑒𝑑 𝐹𝑅𝐸𝐸 𝐶𝑜𝑛𝑠𝑢𝑙𝑡𝑎𝑡𝑖𝑜𝑛 𝑚𝑜. 𝐾𝑎ℎ𝑖𝑡 𝑎𝑟𝑎𝑤 𝑎𝑟𝑎𝑤 𝑘𝑎 𝑚𝑎𝑔𝑝𝑎𝑐ℎ𝑒𝑐𝑘-𝑢𝑝 𝑎𝑡 𝑘𝑎ℎ𝑖𝑡 𝑖𝑏𝑎 𝑖𝑏𝑎 𝑠𝑎𝑘𝑖𝑡 𝑚𝑜 𝑏𝑎𝑤𝑎𝑡 𝑎𝑟𝑎𝑤.
✅𝐾𝑢𝑛𝑔 𝑚𝑎𝑔𝑘𝑎𝑛𝑜 𝑎𝑛𝑔 𝑎𝑚𝑜𝑢𝑛𝑡 𝑛𝑎 𝑏𝑖𝑛𝑎𝑏𝑎𝑦𝑎𝑟𝑎𝑛 𝑚𝑜 𝑝𝑎𝑔𝑘𝑎𝑠𝑖𝑔𝑛 𝑚𝑜 𝑘𝑎𝑦 𝐾𝑎𝑖𝑠𝑒𝑟, 𝑦𝑢𝑛 𝑙𝑎𝑛𝑔 𝑎𝑛𝑔 𝑏𝑎𝑏𝑎𝑦𝑎𝑟𝑎𝑛 𝑓𝑜𝑟 7𝑦𝑒𝑎𝑟𝑠. 𝑁𝑜 𝑎𝑑𝑑𝑖𝑡𝑖𝑜𝑛𝑎𝑙 𝑓𝑒𝑒𝑠 𝑛𝑒𝑒𝑑𝑒𝑑.
✅𝐼𝑡𝑜 𝑎𝑦 𝑚𝑎𝑦 𝐹𝑎𝑚𝑖𝑙𝑦 𝐴𝑠𝑠𝑖𝑠𝑡𝑎𝑛𝑐𝑒. 𝑀𝑎𝑎𝑎𝑟𝑖 𝑚𝑜𝑛𝑔 𝑖𝑝𝑎𝑔𝑎𝑚𝑖𝑡 𝑠𝑎 𝑖𝑚𝑚𝑒𝑑𝑖𝑎𝑡𝑒 𝑓𝑎𝑚𝑖𝑙𝑦 𝑚𝑜𝑛𝑔 𝑛𝑎𝑔𝑘𝑎𝑠𝑎𝑘𝑖𝑡.
✅𝑀𝑎𝑦 𝑠𝑡𝑜𝑐𝑘𝑚𝑎𝑟𝑘𝑒𝑡 𝑖𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝑛𝑎 6 𝑡𝑜 10% 𝑛𝑎 𝑝𝑤𝑒𝑑𝑒𝑛𝑔 𝑔𝑎𝑚𝑖𝑡𝑖𝑛 𝑜 𝑖𝑝𝑎𝑚𝑎𝑛𝑎 𝑠𝑎 𝑖𝑦𝑜𝑛𝑔 𝑝𝑟𝑖𝑛𝑐𝑖𝑝𝑎𝑙 𝑏𝑒𝑛𝑒𝑓𝑖𝑐𝑖𝑎𝑟𝑦 𝑝𝑎𝑔𝑑𝑎𝑡𝑖𝑛𝑔 𝑛𝑔 𝑚𝑎𝑡𝑢𝑟𝑖𝑡𝑦.
✅𝐾𝑢𝑛𝑔 ℎ𝑒𝑎𝑙𝑡ℎ𝑦 𝑘𝑎 𝑤ℎ𝑖𝑙𝑒 𝑝𝑎𝑦𝑖𝑛𝑔 𝑦𝑜𝑢𝑟 𝑝𝑜𝑙𝑖𝑐𝑦, 85% 𝑅𝐸𝐵𝐴𝑇𝐸 𝑎𝑛𝑔 𝑚𝑎𝑏𝑎𝑏𝑎𝑙𝑖𝑘 𝑠𝑎 𝑖𝑦𝑜 𝑛𝑎 𝑝𝑎𝑙𝑎𝑙𝑎𝑔𝑢𝑖𝑛 𝑘𝑎𝑠𝑎𝑏𝑎𝑦 𝑠𝑎 𝑠𝑡𝑜𝑐𝑘𝑚𝑎𝑟𝑘𝑒𝑡 𝑖𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝑚𝑜.

𝑆𝑜 𝑎𝑙𝑖𝑛 𝑛𝑔𝑎 𝑏𝑎 𝑎𝑛𝑔 𝑚𝑎𝑠 𝑚𝑎𝑔𝑎𝑛𝑑𝑎?
𝑆ℎ𝑜𝑟𝑡 𝑇𝑒𝑟𝑚 𝑜𝑟 𝐿𝑜𝑛𝑔-𝑡𝑒𝑟𝑚 𝐻𝑒𝑎𝑙𝑡ℎ𝑐𝑎𝑟𝑒 (𝐾𝐴𝐼𝑆𝐸𝑅 3𝑖𝑛1)?
𝐾𝑢𝑛𝑔 𝑎𝑘𝑜 𝑎𝑛𝑔 𝑡𝑎𝑡𝑎𝑛𝑢𝑛𝑔𝑖𝑛, 𝑑𝑎𝑝𝑎𝑡 𝑚𝑒𝑟𝑜𝑛 𝑘𝑎 𝑝𝑎𝑟𝑒ℎ𝑜.
𝐶𝑙𝑖𝑐𝑘 "𝑺𝒆𝒏𝒅 𝑴𝒆𝒔𝒔𝒂𝒈𝒆" 𝑖𝑓 𝑦𝑜𝑢 𝑎𝑟𝑒 𝑖𝑛𝑡𝑒𝑟𝑒𝑠𝑡𝑒𝑑 𝑡𝑜 𝑘𝑛𝑜𝑤 𝑚𝑜𝑟𝑒 𝑎𝑏𝑜𝑢𝑡 𝐾𝑎𝑖𝑠𝑒𝑟 𝐻𝑒𝑎𝑙𝑡ℎ𝑐𝑎𝑟e.

Why get a longterm healthcare when you already have HMO in your company?

● You can't bring your company's HMO when you resign
● No more coverage when you're 65 and above
● No life insurance to cover your family
● Your Company's HMO can't be transferred to your beneficiary

Then why it's best to integrate longterm healthcare with your company's HMO
👉 You can maximize the health fund side of your longterm healthcare by using your company's hmo when hospitalized - short term
👉 When you retire you have fund for your medical needs
👉 Life Insurance

It's best to start early while working. We can't work all our lives.

Save for your LONGTERM HEALTHCARE.

Tara usap tayo 🤗

Si IMG po ay nakipag partner sa mga reputable companies sa Pilipinas para maging kapareha natin sa pagtatayo ng ating Financial House.

SOLUTION talaga sa lahat ng Financial Product na kailangan natin.

Ikaw n lang ang kulang.
Mag desisyon ka, aralin natin.

CTTO.

Again, Pitong Taon ka lang mag-iipon. Parang binabayaran mo lang ang sarili mo. At habang nagbabayad ka, may HMO ka for 7 Years.

May Term
Insurance sa loob ng 20 years at Retirement money kapag nagmature na ang Plano mo.

Ang ganda di ba? KAISER is like no other. HMO po ito ha, hindi Insurance. Magkaiba kase ‘yon. Pero Maganda na may Insurance Policy ka din.

Scenario 1: Nagkasakit ka at naospital. Hindi mo pwede sabihin sa Ospital o Doctor na meron po ako “Life Insurance Brand”, kase po hindi iyon i-ho-honor o tatanggapin sa Ospital. Pag na-ospital ka, maglalabas ka pa rin ng pera.

Scenario 2: Nagkasakit ka at Naospital (Not Pre existing), then may KAISER HMO ka. Pwede mo sabihin sa Ospital o Doctor na, meron po akong KAISER. Tatanggapin yon at itatanong lang sa’yo ano po ang policy number niyo?

That is the difference. Hindi ka mangangamba kase may HMO o Healthcard ka. Healthcard na may Term Insurance at Investment.

Ganda ba? 🥰💙

𝗖𝗢𝗩𝗘𝗥𝗘𝗗 𝗡𝗔 𝗡𝗚 𝗞𝗔𝗜𝗦𝗘𝗥 𝗟𝗢𝗡𝗚-𝗧𝗘𝗥𝗠 𝗛𝗘𝗔𝗟𝗧𝗛𝗖𝗔𝗥𝗘 𝗔𝗡𝗚 𝗖𝗢𝗩𝗜𝗗-𝟭𝟵!

𝐀𝐍𝐎 𝐏𝐀 𝐁𝐀 𝐀𝐍𝐆 𝐌𝐆𝐀 𝐁𝐄𝐍𝐄𝐏𝐈𝐒𝐘𝐎 𝐍𝐆 𝐊𝐀𝐈𝐒𝐄𝐑 𝐋𝐎𝐍𝐆 𝐓𝐄𝐑𝐌 𝐇𝐄𝐀𝐋𝐓𝐇𝐂𝐀𝐑𝐄?

Sa 𝗣𝗵𝗶𝗹𝗵𝗲𝗮𝗹𝘁𝗵 hanggang 60 years old tayo magrerenew pero sa 𝗞𝗔𝗜𝗦𝗘𝗥, 7years ka lang mag-iipon. Mabuhay ka man hanggang 100 years old may healthcare ka pa rin.

𝟯-𝗶𝗻-𝟭 𝗦𝗮𝘃𝗶𝗻𝗴𝘀 𝗣𝗹𝗮𝗻 kaya may peace of mind ka. May 𝗛𝗘𝗔𝗟𝗧𝗛𝗖𝗔𝗥𝗘 + 𝗧𝗘𝗥𝗠 𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 + 𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝐓 ka na.

𝗔𝗗𝗩𝗔𝗡𝗧𝗔𝗚𝗘𝗦 𝗡𝗚 𝗞𝗔𝗜𝗦𝗘𝗥:

✅𝗩𝗘𝗥𝗬 𝗔𝗙𝗙𝗢𝗥𝗗𝗔𝗕𝗟𝗘. 7 years mo lang babayaran at covered ka na while paying period palang.

✅𝗗𝗜𝗥𝗘𝗖𝗧 𝗙𝗥𝗢𝗠 𝗧𝗛𝗘 𝗖𝗢𝗠𝗣𝗔𝗡𝗬. Mura kasi walang ahente dahil ikaw mismo ang ahente sa sarili mo kaya makakamura ka.

✅𝗥𝗢𝗢𝗠 𝗔𝗖𝗖𝗢𝗠𝗠𝗢𝗗𝗔𝗧𝗜𝗢𝗡. Sagot ang hospital bills mo including room accommodation kahit ilang buwan kapa. Uuwi kang may ngiti sa labi at walang iniisip na utang.

✅𝗙𝗥𝗘𝗘 𝗔𝗡𝗡𝗨𝗔𝗟 𝗣𝗛𝗬𝗦𝗜𝗖𝗔𝗟 𝗔𝗡𝗗 𝗗𝗘𝗡𝗧𝗔𝗟 𝗖𝗛𝗘𝗖𝗞 𝗨𝗣. After ng 1 year na pagbabayad entitled ka na sa LIBRENG checkup.

✅𝗙𝗜𝗫𝗘𝗗 𝗣𝗥𝗘𝗠𝗜𝗨𝗠 𝗔𝗠𝗢𝗨𝗡𝗧. The day na pag-sign mo ng policy mo sa KAISER, kung ilan ang amount na nakalagay, yun lang din ang babayaran hanggang 7 years. Hindi na siya madadagdagan.

✅𝗟𝗢𝗡𝗚 𝗧𝗘𝗥𝗠 𝗖𝗔𝗥𝗘 𝗕𝗢𝗡𝗨𝗦. Kapag di mo nagamit ang policy mo while paying period, ibabalik sayo ang 𝟴𝟱% na binayad mo on your maturity date. So making it like 𝗖𝗢𝗦𝗧 𝗙𝗥𝗘𝗘.

✅𝗢𝗡𝗟𝗜𝗡𝗘 𝗔𝗖𝗖𝗢𝗨𝗡𝗧. Meron kang sarili mong account kung saan mamomonitor mo ang payment mo.

𝗞𝗔𝗜𝗦𝗘𝗥 𝗜𝗡𝗧𝗘𝗥𝗡𝗔𝗧𝗜𝗢𝗡𝗔𝗟 𝗛𝗘𝗔𝗟𝗧𝗛𝗚𝗥𝗢𝗨𝗣 𝗜𝗡𝗖. 𝖳𝗁𝖾 𝖥𝗂𝗋𝗌𝗍 𝖭𝖺𝗆𝖾 𝗂𝗇 𝖧𝖾𝖺𝗅𝗍𝗁𝖼𝖺𝗋𝖾.

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Para kanino ka kumikita?

Some of us want to increase our income to achieve financial independence. Madami sa atin ay gustong yumaman para sa pamilya, para mabili ang gusto, makapag-travel, etc.

Meron din dyan, gustong kumita para pag medyo maluwag na ang finances, makatulong naman sa iba..

Let's increase our income streams so we can invest more, save more, give more, and especially, have the freedom to enjoy life to the fullest 💙



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