IPON PARA MAY HUGOT

Kung magre-retire ka ng 60 yrs old at mabubuhay ka pa ng 15 yrs, magkano ang kailangan mo? Mag-compute tayo para sa pagkain muna.

P75 × 3 meals/ day = P225
P225 × 365 days = P82,125(yearly)
P82,125 × 15 yrs = P1,231,875.00

HANDA ka na ba?
WHAT IF:
1. Dalawa kayong mag-asawa?
2. Magkasakit kayo?
3. May emergency?
4. Mas humaba pa ang buhay nyo?
5. Wala ng mabibili ang P75 by then?
6. May maintenance medicine ka pa pala?

ANO ang mga OPTIONS natin?
1. Umasa sa mga anak?
2. Magtrabaho pa din kahit 60 yrs old pataas na?
3. Paghandaan ang Future habang malakas ka pa ngayon.

MAG-IPON tayo at magkaroon ng HABIT sa tamang pag-iinvest para ang perang inipon ay makakasabay sa INFLATION o pagtaas ng presyo ng mga bilihin.

Kung hindi mo alam kung paano, matutulungan kita sa libreng paraan kung kailan, saan, at pano mag- invest na makakasabay ang pera mo sa inflation rate.

Ctto.

Did you know with just P33 per day or P1,000 per month invested consistently can become P5.8million in 35 years? Wow!

It requires discipline and commitment, but it’s feasible for all.

Hindi po ako nagbebenta. Nageeducate lang. 🙂

Hindi ka po gagastos. Magpapalago ka ng pera katulad ng ginagawa ng maraming mayayaman. 💵🔜 💰💰💰.

Di po kasi ito naituro sa school. Kahit ibang accountant ay wala silang idea tungkol dito.

Ilang multiple thousands na ang dumaan sa’yo. Milyon pa nga eh. 🙂 Ang tanong. May naitabi ka po ba?

Sa P1,000 lang pwede mo ng maging business partner ang malalaking kumpanya sa Pilipinas through Mutual Funds.

Scam ba ito? Hindi po.
Networking ba ito? Hindi po.
Tuturuan ka ba kung paano ito? Opo 🙂
May bayad po ang seminar? Wala po.
Anong catch bakit libre? Gusto namin may peace of mind ka at ang pamilya mo. At maging disiplinado ka sa pera. Mission po ito. 👍

Subukan mo lang baka ito na magpabago ng buhay mo.

PM mo lang ako or magcomment ka ng “I want to learn”. Kahit nasa abroad ka pwede.

Money + Time= Wealth 😎

KAISER is the healthcare provider of
Department of Agrarian Reform.

Bakit nga ba maganda magkaroon ng Kaiser 3 in 1 Investment Product ang bawat miyembro ng Pamilya lalo na yung mga bread winner.

✔Kapag hindi ka na employed at binawi na nung dati mong employer yung shorterm HMO mo, hindi ka magwoworry kung maospital ka.
✔Kapag hindi mo nagamit ang annual health care coverage mo hindi sya naeexpire unlike short-term health care (HMO) na no refund ang premiums magamit muman or hindi. Sa Kaiser marereceive mo ang guaranteed Long-term care bonus (cash) sa maturity.
✔May kasama na syang life insurance for income replacement or protection para sa family just in case may nangyari sa policy holder.
✔Waived na ang payment kung may nangyari sa policy holder, means wala ng babayaran ang family kahit 1 year palang nakakainvest ang policy holder, ma transfer pa ang health care coverage sa beneficiary.
✔Nakainvest sa mutual fund ang health fund kaya nag-eearn sya ng 10% rate of returns at may variable earning pa depende sa performance ng stock market.
✔Good as cash sya pagdating ng maturity, So pwede kang mag-withdraw gamit ang iyong visa card. Hanggat may fund ang account mo, patuloy lang ang pag-earn ng 10% rate of returns (compounded) annually.
✔Covered ka kahit beyond 60 years old ka na, as long as you live at may fund ang iyong acçount!
✔In case of emergency, pwede magamit as family assistance.
✔Maari kang magkaroon nito sa halagang P88.23 a day mas mahal pa ang 1pc chic N' joy na may drinks & fries bes?

• Sinu ang pwedeng maka avail nito?
Lahat ng nasa 10-60 years old mayaman man o mahirap
basta healthy ay qualified po for this program?
• If you really love your family at ayaw mong maging burden sa kanila either you die too soon or you live too long.
Get Kaiser 3 in 1 ,(Longterm Healthcare, Life Insurance +
Investment) as early as you can, "mas daig ng maagap ang
masipag"

Para sa klaro at kumpletong detalye, pm lang o comment sa post na ito about your inquiry. 🙂

PS: Maari din makakakuha ng Kaiser Senior Care ang isang Senior Citizen na age 61-100 years old gaya ng nakikita po natin sa picture.



CTO

Having a Kaiser Long-term healthcare Investment is better than having Life Insurance(that has health insurance feature) product alone. Though having both is best.

Here are the top 5 reasons why:

1. IT COVERS YOU WAY BEYOND RETIREMENT YEARS - Most HMOs & Life insurance products limit their health coverage between 65-80 years old, some cover up to 100 years old. Kaiser Long-Term Care can cover even beyond 100 years old.

2. IT WORKS JUST LIKE YOUR COMPANY HEALTHCARE - Life Insurance is a reimbursement type program, you can never present your Life Insurance policy during admission or when settling your hospitalization bill. You have to pay the hospital first then file necessary documents for reimbursement. With Kaiser Long-Term care it is just like the usual company HMOs. It settles everything (other than personal miscellaneous) after deducting the PhilHealth benefits. It uses its Kaiser rates that was agreed upon by Kaiser International Healthgroup Inc. and the accredited hospital, making you spend less than paying in cash.

3. PEACE OF MIND - Every Filipino fears about getting hospitalized because having less/no cash available on hand. Most of us borrow money somewhere else expecting to pay interests in the future. If you only have Life Insurance, though you can get reimbursement to pay back your lender you will still shell out money out from your pocket. Remember the insurance provider will only reimburse what the hospital billed to you and it does not include the interests you incur from borrowing it. Since Kaiser long-term care is like a company HMO you no longer need to borrow money from somewhere else. It is really a peace of mind.

4. PROGRESSIVE COVERAGE OVER TIME - In Life Insurance its health benefits are fix and limited. The program's health benefits now may not be enough to cover hospitalization expenses 30 years or 40 years from now, forcing us to shell more money out from our pocket again. The Kaiser long term care program makes your contributions and unused healthcare benefits grow over the period of time(ave. 10%) giving you more hospitalization coverage when we need it in the future.

5. WELL MANAGED FUND - To ensure sustainability and security of all Kaiser Long Term care plan holders' contributions, its fund are invested in a long term investment vehicle. Kaiser International Healthgroup Inc. owns 80% of the youngest Mutual Fund company in Philippines financial market which is Soldivo Funds. Rampver Financials owns the remaining 20% and also the sole fund manager for Soldivo Funds. Soldivo Funds was able to grow their assets to more than 200% in 2015, one year after it was launched.

Possessing both programs give you more secure financial future for you and your love ones. Just always make sure that they are both active to avoid problems in the future.

Kaiser International Healthgroup Inc. is the 1st in Philippines that provides the best comprehensive long term healthcare coverage to take care your future health expenses.

Invest now for as low as P88 per day or P2,647 a month for 7 years ONLY.

• 49% is invested in a reserve trust fund
• 51% is invested in Shares of Stocks 📈📊
• With Life Insurance Coverage.
• With Long-Term Healthcare that covers your hospitalization even beyond age 65.

Guaranteed!

Tag someone who needs to know about this program before it's too late. This is open to ages 10 to 60 years old only. OFWs are very much welcome to save/invest.

Show that you care.

Don't hesitate to send me a personal message to know more about the program.

Ito ang tinatawag na Rule of 72.

Simple lang ang paggamit nito. Kunin mo ang annual interest rate ng investment. So kunware naglagay ka ng pera sa time deposit na nagbibigay ng 3% interest.

Gaano katagal bago dumoble ang pera mo?

So ayon sa Rule of 72, ito ang kumputasyon.

Idivide lang ang 72 sa interest rate at makukuha mo kung ilang taon ang kailangang hintayin bago dumoble ang pera mo.

72 / 3 = 24 years.

Galing diba?

So sa savings accounts sa bangko na 0.25%

72 / 0.25 = 288 years.

Abay apo sa tuhod mo na ang makikinabang sa lagay na iyan. Pero kapag makahanap ka ng investment na magbibigay ng...

8% return
72/8 = 9 years

12% return
72/12 - 6 years

Higit na mas mainam hindi ba?

Ngunit ang tanong...

.. saan ba makakakuha ng ganyang return sa investment?

Ang sagot diyan at ang mga hakbang na kailangan mo gawin BAGO maglagay ng pera sa mga investment na malalaki ang return ang ituturo sa darating na financial coaching Prerecorded Webinar mamaya.

Huwag kaligtaan.

WANTS TO REGISTER NOW for FREE FINANCIAL LITERACY CLASS

Kita kits!

Sa mga Natatakot at nagdadalawang isip basahin mo ito...
Somebody asked:
"Upon maturity 85% of the total premium ang maibabalik po sa atin. Paano yung 15%, saan daw napunta?"

Let us take the example of K100. The annual premium for K100 is P58,821, so the 7 year total is P411,747.

If no hospitalization claims were made during the first 7 years, then on the 20th year, 85% of P411,747 or P350,000 will be given to the planholder as "Long Term Care Bonus."

This P350,000 is just one of the components of the projected maximum value on maturity. What are these components?

Total accumulated unused health benefits: P269,750
Long Term Care Benefit: P100,000
Long Term Care Bonus: P350,000
Total Accumulated Additional Health Benefits: 446,419.
Total: P1,116,169

P1,116,169 is roughly 283% of total premiums.
P350,000 is 85% of total premiums.
Saan nagpunta ang 15%?

I do not know exactly how the computations go, but this 85% (P350k) return of premiums is only 30% of the total maximum projected value (P1,116,69)

Maybe the 15% is returned as the Long Term Care Benefit, which is about 24% of total premiums, so 85% + 24% = 109%.

Meaning bumalik na lahat ng premiums, may extra 9% pa, ddon pa lang sa Long term care benefit at long term care bonus, kaya all other benefits are effectively FREE.

Kaya after 20 years
-- the total accumulated unused health benefits (with interest) totalling P269,740 is FREE
-- the total accumulated additional health benefits (with interest) totalling P446,419 is FREE.

And if the Lord takes you home early within 20 years?
Your family gets P450k (or P900k if accidental), or about 109% (or 218%) of all premiums paid, and still get the maturity value on the 20th year!

So how do we explain this?
The 85% just complicates the explanation, and gives rise to strange questions like where did the 15% go?

Maybe we should explain it like this:
-- we will pay Kaiser a maximum of 7 years of premiums.
-- the insurance coverage is about 109% of 7 years of annual premiums, double if by accidental death.
-- on maturity, we get 236% to 286% of all premiums paid, depending on mode of payment.
-- if the Lord takes us home within 20 years, our beneficiary gets the proceeds of insurance (109%) PLUS the plan (less insurance, or 263-283%)

Maski anong mangyari panalo!

Is this better or more confusing?

Ang KAISER Long Term Health Care ay 3 Plus 1 na Savings Product
May Lifetime Health Care Ka Na...
May Free Life Insurance Benefit Ka Pa...
May Savings Ka Pa Na Lumalago...
Na Pwede Gamitin Kahit Sa Anumang Klase Ng Emergency Pag Nag-Mature... (Health Card Na Cash Card at Maturity)

Health Care Plan for Retirement Period, Bakit Mo ito Kailangan?
1. Medical Cost Doubles Every 5-7 Years
2. Maraming Tao ang Namamatay hindi Dahil sa Sakit Kundi Walang Pera
Pang Hospital. Umaasa sa Kamag-anak. Benta Ari-arian. May Utang Pa.
3. Mahal Na Ang Health Card after 20 years at Mahirap Mag-apply Kung
Sakitin Ka na.
4. Pag tumanda tayo lalabas ang sakit, hindi pa ngayon.
5. Hindi Natin Mabibitbit ang Health Care Benefit Natin Sa Trabaho Pag
Nagretire na Tayo
6. Pwede Kang Maubos ang lahat ng kayamanan mo sa isang sakit lang.

So, kumpletuhin ang inyong Financial Strategy. Huwag Kalimutang Mag-tabi para ating Kalusugan.

I-message mo lang iyong fullname/age/email/cp # para makakuha ng libreng Kaiser Proposal

Upang matuto ka naman sa financial literacy:

Contact Us at:09752350917 / 09376512356

Free Financial Literacy Seminar Registration Please click the link to complete this form.

REPOST : PARA SA HINDI PA NAKAKABASA!
Walang ipon ang karamihan sa mga pilipino dahil...
1. Wala silang Goal. May mga pangarap pero wala silang Goal.
Madami ang gusto lumaki ang sahod pero sila pa tong reklamador sa trabaho. Sila yung kpag byernes ang sigla, pero kpag sunday night parang mamatay na dahil lunes na naman...
2. Napapaligiran sila ng mgagastaos at mabibisyong tao. Kailangan mo ng right environment para ka mkaipon. Ikaw ay average ng limang tao na madalas mong kasama. Gusto mo maging lasenggero? sumama ka sa lasenggero. Gusto mo maging magastos? sumama ka sa mga taong mgagastos. Pero kung gusto mo makaipon, sumama ka sa mga taong nagiipon at nagiinvest.
3. Mas madami silang excuses. Maliit daw kasi sahod at madaming gastusin kaya di makaipon. Sino po magaadjust? Alam ng maliit ang income dapat gumawa ng way para lumaki ito. INCREASE YOUR CASH FLOW. Hindi na pwede ang single income ngayon. Mas ok kung may sideline pa din or nagagamit mo ang spare time mo sa mas mkabuluhang bagay.
4. Kulang sa Financial Education. Ang tao kahit malaki ang pera basta wala syang disiplina at kaalaman sa tamang paghawak ng pera, hindi tlga mkakaipon. Kahit pa ang mga taong malalaki ang sweldo, nagkakautang pa din kasi Financially Illeterate sila. Gusto mo ba magtrabaho habang buhay? kung ayaw mo, pagaralan mo na magipon at maginvest.
5. Kasi hindi nya naging habit. Kung di mo maitabi ang 1k ng 10k, maniwala ka hindi mo din maitatabi ang 10k ng 100k. Kasi ang pag-iipon ay habit. Kaya dapat inuumpisahan mo na ito. ngayon na!
Madami pang dahilan yan. At bawat isa may kanya-kanyang dahilan. Alam ko yan kasi ganyan ako dati. Pero nabago ang pananaw at habit ko sa mga seminar na inatenan ko at tinuloy tuloy ko ang pagaaral tungkol sa pera hanggang sa nagawa kong palakihin ang income at ipon ko. Ikaw anong aksyon ang gagawin mo para matupad mo ang mga pangarap mo?
Start planning for your future. Iba na ang handa.
For more details, just pm