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save and invest correctly

02/04/2026

Walang ibang mag aalaga sa matandang ikaw , kung hindi ang batang ikaw . Kaya habang kumikita ka pa MAG PON KA

30/05/2023

30/05/2023
19/01/2023

๐—ฌ๐—ผ๐˜‚ ๐˜€๐—ต๐—ผ๐˜‚๐—น๐—ฑ ๐—ฐ๐—ผ๐—ป๐˜€๐—ถ๐—ฑ๐—ฒ๐—ฟ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ต๐—ฒ๐—ฎ๐—น๐˜๐—ต๐—ฐ๐—ฎ๐—ฟ๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐—ฝ๐—ฟ๐—ผ๐˜๐—ฒ๐—ฐ๐˜๐—ถ๐—ผ๐—ป ๐—ฎ๐˜€ ๐—ฎ ๐—ฝ๐—ฟ๐—ถ๐—ผ๐—ฟ๐—ถ๐˜๐˜†,.
Why? Even if you save a few hundred pesos a month, but have no ๐—ต๐—ฒ๐—ฎ๐—น๐˜๐—ต๐—ฐ๐—ฎ๐—ฟ๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐—น๐—ถ๐—ณ๐—ฒ ๐—ถ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ, it will not take you far. When you get sick, disabled, or die suddenly, your savings wonโ€™t last very long.
๐—š๐—ฒ๐˜๐˜๐—ถ๐—ป๐—ด ๐—น๐—ผ๐—ป๐—ด-๐˜๐—ฒ๐—ฟ๐—บ ๐—ต๐—ฒ๐—ฎ๐—น๐˜๐—ต๐—ฐ๐—ฎ๐—ฟ๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐—น๐—ถ๐—ณ๐—ฒ ๐—ถ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ฎ๐—ฟ๐—ฒ ๐˜๐—ต๐—ฒ ๐—ฏ๐—ฒ๐˜€๐˜ ๐—ถ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜๐—บ๐—ฒ๐—ป๐˜๐˜€.

Start your Kaiser now
๐Ÿ‘‡๐Ÿ‘‡๐Ÿ‘‡


27/05/2022

7 ๐™”๐™€๐˜ผ๐™๐™Ž ๐™Š๐™ ๐™Ž๐˜ผ๐™‘๐™„๐™‰๐™‚ & ๐™„๐™‰๐™‘๐™€๐™Ž๐™๐™„๐™‰๐™‚ ๐™’๐™„๐™‡๐™‡ ๐™‚๐™„๐™‘๐™€ ๐™”๐™Š๐™ ๐˜พ๐™Š๐™ˆ๐™๐™Š๐™๐™ ๐™Š๐™ ๐˜ผ ๐™‡๐™„๐™๐™€๐™๐™„๐™ˆ๐™€.

๐Ÿฏ-๐—ถ๐—ป-๐Ÿญ ๐—ฆ๐—ฎ๐˜ƒ๐—ถ๐—ป๐—ด๐˜€ ๐—ฃ๐—น๐—ฎ๐—ป kaya may peace of mind ka. May ๐—›๐—˜๐—”๐—Ÿ๐—ง๐—›๐—–๐—”๐—ฅ๐—˜ + ๐—ง๐—˜๐—ฅ๐—  ๐—Ÿ๐—œ๐—™๐—˜ ๐—œ๐—ก๐—ฆ๐—จ๐—ฅ๐—”๐—ก๐—–๐—˜ + ๐—œ๐—ก๐—ฉ๐—˜๐—ฆ๐—ง๐— ๐—˜๐—ก๐“ ka na.

๐Ÿ‘‰๐—›๐—˜๐—”๐—Ÿ๐—ง๐—›๐—–๐—”๐—ฅ๐—˜ - 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.

๐Ÿ‘‰๐—ง๐—˜๐—ฅ๐—  ๐—Ÿ๐—œ๐—™๐—˜ ๐—œ๐—ก๐—ฆ๐—จ๐—ฅ๐—”๐—ก๐—–๐—˜ - 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.

๐Ÿ‘‰๐—œ๐—ก๐—ฉ๐—˜๐—ฆ๐—ง๐— ๐—˜๐—ก๐“ - 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.

๐—”๐——๐—ฉ๐—”๐—ก๐—ง๐—”๐—š๐—˜๐—ฆ ๐—ก๐—š ๐—ž๐—”๐—œ๐—ฆ๐—˜๐—ฅ:

โœ…๐—ฉ๐—˜๐—ฅ๐—ฌ ๐—”๐—™๐—™๐—ข๐—ฅ๐——๐—”๐—•๐—Ÿ๐—˜. 7 years mo lang babayaran at covered ka na while paying period palang.

โœ…๐——๐—œ๐—ฅ๐—˜๐—–๐—ง ๐—™๐—ฅ๐—ข๐—  ๐—ง๐—›๐—˜ ๐—–๐—ข๐— ๐—ฃ๐—”๐—ก๐—ฌ. Mura kasi walang ahente dahil ikaw mismo ang ahente sa sarili mo kaya makakamura ka.

โœ…๐—ฅ๐—ข๐—ข๐—  ๐—”๐—–๐—–๐—ข๐— ๐— ๐—ข๐——๐—”๐—ง๐—œ๐—ข๐—ก. Sagot ang hospital bills mo including room accommodation. Uuwi kang may ngiti sa labi at walang iniisip na utang.

โœ…๐—™๐—ฅ๐—˜๐—˜ ๐—”๐—ก๐—ก๐—จ๐—”๐—Ÿ ๐—ฃ๐—›๐—ฌ๐—ฆ๐—œ๐—–๐—”๐—Ÿ ๐—”๐—ก๐—— ๐——๐—˜๐—ก๐—ง๐—”๐—Ÿ ๐—–๐—›๐—˜๐—–๐—ž ๐—จ๐—ฃ. After ng 1 year na pagbabayad entitled ka na sa LIBRENG checkup.

โœ…๐—™๐—œ๐—ซ๐—˜๐—— ๐—ฃ๐—ฅ๐—˜๐— ๐—œ๐—จ๐—  ๐—”๐— ๐—ข๐—จ๐—ก๐—ง. 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.

โœ…๐—Ÿ๐—ข๐—ก๐—š ๐—ง๐—˜๐—ฅ๐—  ๐—–๐—”๐—ฅ๐—˜ ๐—•๐—ข๐—ก๐—จ๐—ฆ. Kapag di mo nagamit ang policy mo while paying period, my cashback na ๐Ÿด๐Ÿฑ% that will be added when it reach the maturity date of your plan.

โœ…๐—ข๐—ก๐—Ÿ๐—œ๐—ก๐—˜ ๐—”๐—–๐—–๐—ข๐—จ๐—ก๐—ง. Meron kang sarili mong account kung saan mamomonitor mo ang payment mo.

๐—ž๐—”๐—œ๐—ฆ๐—˜๐—ฅ ๐—œ๐—ก๐—ง๐—˜๐—ฅ๐—ก๐—”๐—ง๐—œ๐—ข๐—ก๐—”๐—Ÿ ๐—›๐—˜๐—”๐—Ÿ๐—ง๐—›๐—š๐—ฅ๐—ข๐—จ๐—ฃ ๐—œ๐—ก๐—–.
was incorporated and register with the Securities and Exchange Commission on June 8, 2004 with an authorized capital stock of Php 160M. On July 26, 2004, Kaiser International Healthgroup, Inc. was granted a clearance to operate by the Department of Health Bureau of Health Facilities and Services. LONG-TERM HEALTHCARE - Major Benefits..

โœ… MESSAGE me to guide you ๐Ÿ˜Šโค๏ธ





https://175433ph.imgcorp.com/freeebook/?nocache=1

https://175433ph.imgcorp.com/premade/?nocache=1

https://175433ph.imgcorp.com/quote/kaiser

02/04/2022

CONSUMER -- Naglabas ka ng pera mo( kumain, nag shopping, etc.), pero walang bumalik sayo !

INVESTOR/ SHAREHOLDER -- Naglabas ka ng pera mo, pero pwede kang mging Part-Owner o Shareholder ng Jollibee at ng iba pang Top Corporation sa Pilipinas.

Alam mo ba na sa halagang- P 20 or P- 1,000 pesos pwede ka na maging bahagi ng Jolibbee at naglalakihang kumpanya na yan through Mutual Funds Investment?

Tara na at mag aral kung paano ang tamang pag i-invest at pagpapalago ng iyong pera.

Message ka lang I will guide you ..
Ctto

14/03/2022

We always tend to say "PAG NAKALUWAG LUWAG NA SAKA NA AKO MAGSA-SAVE OR MAG I-INVEST."

I totally agree. Mahirap talaga magbudget lalo pa kung di ganun kalaki ang sahod.

But I've heard and read a lot of business icons and articles that "YOUR SALARY DOESNT MATTER" in terms of investing/saving. Kahit gaano pa kalaki ang sahod mo "IF YOU DONT KNOW HOW TO USE IT WISELY", wala rin.

Isa pang fact ng buhay ay habang lumalaki sahod mo, lumalaki din gastos mo. Dati hindi ka nagtatravel, ngayon mahigit tatlong beses kang magtravel sa loob ng isang taon.

Kung noon padownload download lang tayo sa youtube to mp3, ngayon nakapremium na sa spotify.

Dati pahingi hingi lang ng downloaded movies and series, ngayon netflix na din.

As we work harder, madami na din tayong responsibilities.

If you can SPEND a portion of your money sa mga bagay na nagpapasaya sayo bakit hindi din sa bagay na tutulong sayo at sa family mo sa future lalo na kung malaki mga pangarap mo. ๐Ÿ™‚

Ikaw, kailan ka magsaSAVE and INVEST?



Ctto

Photos from Mag-ipon ka nga's post 20/02/2022

!DAHIL KELANGAN NATIN LAHAT TOH.

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:
โ€œKAISER LONG TERM HEALTHCAREโ€
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?
Itโ€™s a 3-in-1 product that solves the 3 major financial needs of Filipinos:
(1) Healthcare
(2) Investment
(3) Insurance

โš ๏ธ This long-term care product is called the Kaiser Ultimate Health Builder.

How does it work?
โš ๏ธ 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:
โœ”๏ธ- Free Annual Physical Exam
โœ”๏ธ- Free Dental Benefits
โœ”๏ธ- Waiver of Installment due to death
โœ”๏ธ- Waiver of Installment due to disability
โœ”๏ธ- Basic Medical Benefits
โœ”๏ธ- Memberโ€™s choice of room and board
โœ”๏ธ- 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:
โ˜๐Ÿป- The same as the accumulation period but the payments are already deducted from the funds inside Kaiser.
โ˜๐Ÿป- Term Life Insurance for 20 years (starting at the accumulation period up to the end of extended period)
โ˜๐Ÿป- Accidental Death and Dismemberment for 20 years (starting at the accumulation period up to the end of extended period)
โ˜๐Ÿป- Lifetime Network access to over 500 major hospitals
โ˜๐Ÿป- Additional Health Bonus when the market is at top performance
โ˜๐Ÿป- 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:
โ˜๐Ÿป- Total accumulation of unused health benefits
โ˜๐Ÿป- Long term care benefit or the plan coverage
โ˜๐Ÿป- 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)
โ˜๐ŸปAdditional health benefits when the market is at top performance
๐Ÿ’ฐ 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.
๐Ÿ’ฐ 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.
๐Ÿ’กThe 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.
๐Ÿ’กUnlike the traditional (short term or HMO) healthcare where the person contributes per year, and when he doesnโ€™t get sick, no return of premium is available.
๐Ÿ’กThe 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! ๐Ÿ˜Š
For your free quotation ๐Ÿ‘‡๐Ÿ‘‡๐Ÿ‘‡๐Ÿ‘‡
ctto IMG International Marketing Group
(Financial Literacy)

https://bit.ly/Coach-Arlene

CTTO

04/10/2021

Saan aabot ang Bente pesos mo??

The NEWEST and one of the best updatesโ—Kahit mga anak below 18 y/o pwede na rin makapag-INVEST sa sub accountโ—Ano pang hinihintay mo? Tara! ๐Ÿ™‹๐Ÿปโ€โ™‚๏ธ INVEST NAโ—

Message me --
https://m.me/arlene.decastro1

17/09/2021

Mag-ipon at Magpalago sa Mutual Funds.

Hindi tayo habambuhay magtatrabaho. Hindi kayo habang buhay nasa abroad. We can start preparing a good retirement, NOW!

Sa halagang Php 1,000. pwede mo nang maging partner ang mga malalaking kumpanya sa Pinas, by investing in Mutual Funds.






Register for Free Financial Class here:

Message me for more info.

17/09/2021

MEMORIAL PLAN for P500 ONLYโ“๐Ÿ˜ฒ๐Ÿ˜ฑ๐Ÿ˜ณ

โ€ผ๏ธPractical talk๐Ÿ‘จโ€๐Ÿซ
โ˜‘๏ธLahat naman tayo ay lilisan din sa mundong ito.
๐Ÿ‘Kaya Mas maiging nakahanda tayo.
โ˜‘๏ธMarami naman dyan ang nag oofer ng final expense mo
๐Ÿ‘Pero kadalasan nasa 900 ang buwanang hulog dito.
๐Ÿ˜ณAt aabutin pa ng 5 years ang pagbabayad nito.
โ˜‘๏ธSuma total nasa 54k ang babayaran mo.
โ˜๏ธKaya maging practical tayo.
โ˜‘๏ธKung IMG member ka mura lang ang equivalent service nito.
โ˜‘๏ธP500 ONE TIME FEE lang ang ilalabas mo!
๐Ÿ‘YES, OO Tama ang pagka basa mo!
โ˜‘๏ธIsang beses mo lang na huhulugan to
๐Ÿ‘ŒGanon ka laki ang Value ng 500 mo๐Ÿ‘จโ€๐Ÿซ
โ˜๏ธKasi may 50k worth of life insurance ka kay Fidelity LIFE at convertible sa memorial na to.
๐Ÿ‘Anyway Libre din naman via EVEREST ang memorial concierge mo.

๐Ÿค”Kung ayaw mo to Para sa sarili mo, sigurado akong mas gusto mo to para sa parents or elderly relatives mo.
๐Ÿ˜”Hindi naman masama kung sakaling mangyari man ang hindi natin inaasahan ay mabawasan man lng ang problema ninyo.

โ€ผ๏ธPaanoโ“
Tara, USAP tayo... Message mo'ko๐Ÿ‘
Teacher Kuripot po service๐Ÿ˜‰

โ˜๏ธSyanga Pala, may kasama pang 100K accident insurance from Manila Bankers to!
๐Ÿ‘Unli consultation kapa sa lahat ng IMG - KAISER CLINICS at Libre din pati ang Eye Care mo
โ€ผ๏ธIto ang malupit!
๐Ÿ‘ŒMay automatic P1000 starting Mutual Fund Investment ka pa via SOLDIVO.
๐Ÿ˜Kaya stockholder ka agad2x sa mga kumpanya gaya nito:
โ˜‘๏ธSM, JOLLIBEE, CHINA BANK, MERALCO
๐Ÿ˜ŠNaku, hindi ko na iisa-isahin sa dami po baka aabutin tayo ng syam syam neto.
๐Ÿ˜Hindi ko pa binanggit ang napakarami pang benepisyo kasi Alam Kong pagod ka nang basahin ang message na to.

๐Ÿ‘จโ€๐ŸซO ano? Hindi mo pa rin ba naiintindihan na KAILANGAN mo ito?
๐Ÿ‘Halika ka nga at mag avail ka na nito.
๐Ÿ˜†Hay naku nanggigigil ako sa 'yo!
๐Ÿ˜Š' wag kasing maniwala sa sabi2x lang ng ibang Tao
๐Ÿ™ƒNa hindi naman talaga sinuri ang IMG ng buo.

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