Coach Kate Cedeño

Your 13th month pay can make a big difference😊

If you invest your 13th month pay for just 6 years, then based on the power of compound interest, you could already have close to 10 million pesos in investment in the next 40 years. If you sacrifice for 6 years, you could already change your life.

-SSBYF p.12

tara aralin natin sa IMG kung papaano.

“Kapag hindi ko ba nagamit ang
HMO ko may ibabalik na pera sa akin?”

Sa regular HMO, wala. Short term healthcare kasi yun. Magamit mo o hindi, expense na. Kung gusto mong may babalik sayo, meron kaming longterm healthcare. Ito yung Kaiser 3-in-1 na kapag hindi mo nagagamit, lumalaki nang lumalaki ang healthcare fund. At kapag nagmature, good as cash. Pwede mo hayaan lang para mas lalong lumaki. Pwede mo rin iwithdraw at gamitin mo kung saan mo gusto gamitin.

These 2 Layers of Healthcare Plan that most of us (Ph) ignore or don't know much about.

Bakit layers? Kasi it's about protection.

Protection for our finances.
Protection for our peace of mind.
We need both.

Learn about Short Term and Long Term Healthcare plans today.

There are more than 2 types of health insurance plans and Healthcare packages available.

Message us for details. 😊

Your 20s are for learning, growing, and getting your finances right. 💰

Avoid the common money traps and start investing in your future today!

Begin your investing journey here: rampver.com/invest-fb

“Hindi mo kailangan magkasakit para magising sa kahalagahan ng healthcare.” 💚

Alam kong lahat tayo may pangarap para sa pamilya — pero paano kung isang emergency ang biglang gumastos ng lahat ng pinaghirapan mo? 😢

Diyan ko na-realize ang halaga ng Kaiser Healthcare.. ❣️

Hindi lang ito HMO — ito ay 3-in-1 plan na nagbibigay ng:
💚 Healthcare protection
💚 Investment growth
💚 Long-term security

Ang maganda pa, habang healthy ka, lumalago rin ang pera mo.

Hindi mo man mapigilan ang sakit, pwede mo naman mapigilan ang financial stress.

👉 Protect your health. Grow your wealth. Choose Kaiser today.

Thinking of investing but not sure if you're ready? Here are key signs to check first to help you invest with confidence!

🌱 Here are the steps on how to start investing:

1. Sign up for a FREE Rampver online account - Register at go.rampver.com/signup and verify your email address.

2. Complete customer application - Fill out the KYC form in less than 15 minutes and upload 1 valid ID and a selfie.

3. Start investing! - Once approved, you can now choose your preferred fund, proceed to payment, and monitor your investments. You can start with ₱1,000!

Sign up here to get started: go.rampver.com/signup

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Please visit rampver.com/invest-fb for more info.

Mahirap magkasakit, pero mas mahirap magkasakit kung wala kang pera.

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

𝟯-𝗶𝗻-𝟭 𝗦𝗮𝘃𝗶𝗻𝗴𝘀 𝗣𝗹𝗮𝗻. May 𝗛𝗘𝗔𝗟𝗧𝗛𝗖𝗔𝗥𝗘 + 𝗧𝗘𝗥𝗠 𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 + 𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝐓 ka na.

Kumpleto na at may peace of mind ka!
𝐀𝐍𝐎 𝐏𝐀 𝐁𝐀 𝐀𝐍𝐆 𝐌𝐆𝐀 𝐁𝐄𝐍𝐄𝐏𝐈𝐒𝐘𝐎 𝐍𝐆 𝐊𝐀𝐈𝐒𝐄𝐑 𝐋𝐎𝐍𝐆 𝐓𝐄𝐑𝐌 𝐇𝐄𝐀𝐋𝐓𝐇𝐂𝐀𝐑𝐄?

✅𝗩𝗘𝗥𝗬 𝗔𝗙𝗙𝗢𝗥𝗗𝗔𝗕𝗟𝗘. 7 years mo lang huhulugan at covered ka na kahit nasa paying period ka palang.
✅𝗗𝗜𝗥𝗘𝗖𝗧 𝗙𝗥𝗢𝗠 𝗧𝗛𝗘 𝗖𝗢𝗠𝗣𝗔𝗡𝗬. Mura kasi DIY na! Pwede ikaw ang mag process sa sarili mong application, kahit nasa ibang bansa kapa. Direct to Company din ang payment mo!
✅𝗙𝗥𝗘𝗘 𝗔𝗡𝗡𝗨𝗔𝗟 𝗣𝗛𝗬𝗦𝗜𝗖𝗔𝗟 𝗔𝗡𝗗 𝗗𝗘𝗡𝗧𝗔𝗟 𝗖𝗛𝗘𝗖𝗞 𝗨𝗣. After ng 1 year na pagbabayad entitled ka na sa LIBRENG Annual check-up.
✅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 ONLINE kahit cellphone lang ang gamit mo.
✅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.
Maganda diba? Kumpleto! 😍

𝗞𝗔𝗜𝗦𝗘𝗥 𝗜𝗡𝗧𝗘𝗥𝗡𝗔𝗧𝗜𝗢𝗡𝗔𝗟 𝗛𝗘𝗔𝗟𝗧𝗛𝗚𝗥𝗢𝗨𝗣 𝗜𝗡𝗖. 𝖳𝗁𝖾 𝖥𝗂𝗋𝗌𝗍 𝖭𝖺𝗆𝖾 𝗂𝗇 𝖧𝖾𝖺𝗅𝗍𝗁𝖼𝖺𝗋𝖾.

Message us to get your quotation 👍😊

Stress Sa Utang? Ganito Yung Pakiramdam! #StressSaUtang #PinoyStruggles #MentalHealthPH #UtangProblems #KuyaAdiFinancialEducator

💡 Healthcare is a privilege, not a right.
While you’re young and healthy, secure it.
Because when sickness comes, it doesn’t ask if you’re ready — it just comes.

Invest in your health before it becomes too expensive to ignore.

Umpisahan mo na agad! Tara usap tayo. 🩵

💡 What You Value, Shows Where Your Money Goes 💡

Kung ano ang mahalaga sa’yo, dapat may nakalaan na pondo para doon.
✔️ Kung education ng anak, dapat may ipon ka para sa tuition.
✔️ Kung healthcare fund, dapat nagsimula ka na.
✔️ Kung mataas ang responsibility mo, dapat may insurance ka.
✔️ At higit sa lahat, wag puro insurance — dapat may investments ka rin na unti-unti mong binubuo.

Dati, lagi kong excuse: “Saka na muna, may binabayaran pa ako, baka hindi ko kayanin.” Pero narealize ko sa journey ko:
👉 Kapag nasimulan mo, gagawa ka ng paraan para ipagpatuloy mo — kasi mahalaga sa’yo.

Kung kaya natin magsakripisyo para magbayad ng bills, bakit hindi para magbayad sa sarili natin?

Nung nagsimula ako mag-invest, mas lalo akong nagsipag para i-fund lahat ng yun. ✨
Kaya wag kang matakot magsimula.

💭 Risking is better than regretting. The deepest regret is not failing, but never giving yourself the chance to try.

If willing kang ayusin and finances mo excited ako ishare yung natutunan ko sa IMG, send me a message😊