money Financial Planning

[gagamboi]

On 5/9/2022 at 9:59 AM, K0RN - RETIR3D said:

Curious lang ako Sir, did you consider other Insurance companies after you have flunked on one? If first time mo to get insurance at 46, medyo challenging yan given your age and conditions. and if meron man, baka sobrang laki na ng magiging Premium mo. 

Di na yan sya makakapasa sa ibang insurance company, same lang sila ng requirements whether Axa or Pacific Cross.

Ako nga lagi rejected.

[MartinDomingo]

wag maging greedy

 

8k a day x 26 days if you want a 4 day rest is 208k a month . thats  2,496,000

if 30 days

8k x 30 -= 240,000 a month. thats 2,880,000

 

start now

start today

wag swapang, you need discipline talaga. mahirap pag walang ganun. money easy comes easy goes

 

8 is lucky.start there.

[Blue Boy]

On 5/25/2022 at 11:14 PM, gagamboi said:

Di na yan sya makakapasa sa ibang insurance company, same lang sila ng requirements whether Axa or Pacific Cross.

Ako nga lagi rejected.

Yeah, di na ako sumubok sa iba kasi mare-reject din naman ako.

So anong option nating mga may pre-existing condition na hindi ma-approve for life insurance?

 

[sirheinrichcu]

wish me luck

[Boooya]

Anong insurance company ang maganda pagkukuha ng VUL?

[glc69]

On 3/31/2023 at 2:42 AM, Boooya said:

Anong insurance company ang maganda pagkukuha ng VUL?

sunlife pero mag Pagibig MP2 ka na lang 

[jamesbalingit]

Net worth ko as of now

 

Bpi

 

checking --- 1688

Main ---3367.67

Dollar ---608.25

 

Aub

 

Checking ---340

Main ---743

 

mula 11 million pesos ang net worth ko last week at 4,400 usd

 

may the universe grant me strength and guidance that I may overcome this and earn more and save big

[neville]

On 3/31/2023 at 2:42 AM, Boooya said:

Anong insurance company ang maganda pagkukuha ng VUL?

Kung financial protection ng pamilya mo ang habol mo, bata ka pa (20s to early 30s), at may extra kang pambayad ng insurance, go for Sun Life. AIA okay din naman. 

Pero kung investment habol mo, isa sa safest investment platforms ay PAG-IBIG MP2. Okay din ang Retail Treasury Bonds pero may tax, unlike MP2 na tax-free. Pero may 5 year lock in period sila kaya di ka dapat basta maglagay sa kanila kung hindi ayos ang safety net mo aka savings.

Kung cash flow investments ang gusto mo, pag-aralan mo ang dividend investing. Pero ihanda mo bulsa mo para dito kasi malaki ang puhunan sa stock market na gagamitin para malaki rin ang dividend payout mo.

[neville]

On 6/9/2022 at 6:39 AM, Blue Boy said:

Yeah, di na ako sumubok sa iba kasi mare-reject din naman ako.

So anong option nating mga may pre-existing condition na hindi ma-approve for life insurance?

 

Savings ang una kong naiisip. Kasi kailangan ay liquid cash para sa panahong may sakit ka and all.

Kung target talaga ay insurance na walang check-up? SPVUL ang naiisip ko. SPVUL is Single-Pay VUL. Pero dapat may pera kayo kasi 500k-1M ang minimum one-time payment requirement nito. Puwede raw itong magamit sa estate matters or estate tax kapag namatay na ang policy holder. At confirmed ng Insurance agent ko sa Sun Life na walang check up ang SPVUL. Cough up the money nga lang. 

[bradbro]

wala akong kaplano plano sa financials, pero kung may advice kayo sa mga magsisimula palang, ano kaya una dapat gawin? lalo na di naman kalakihan sweldo, halos paycheck to paycheck lang haha

[Boooya]

On 4/1/2023 at 12:35 PM, glc69 said:

sunlife pero mag Pagibig MP2 ka na lang 

Mas okay ba MP2 kesa sa VUL?

[MinsanLang]

15 hours ago, Boooya said:

Mas okay ba MP2 kesa sa VUL?

MP2 mas liquid. VUL you cannot liquidate without taking massive losses.

[MartinDomingo]

kaya ko gawin to if i put my mind into it

[Boooya]

On 5/24/2023 at 3:31 PM, MinsanLang said:

MP2 mas liquid. VUL you cannot liquidate without taking massive losses.

Aaah, okay2x. But in terms of growth?

[neville]

On 5/31/2023 at 6:00 AM, Boooya said:

Aaah, okay2x. But in terms of growth?

 

Insurance ang VUL. Insurance na nilagyan ng mutual fund para lang mas lumaki ang value. Don't think of it as an investment. Instead, look at it as future protection for your family should you bite the dust earlier than expected.

MP2 naman, stuck for five years. May listahan ang PAG-IBIG ng mga dahilan para tanggapin ang early withdrawal ng MP2 mo. 

Kung kailangan mo ng liquid na investments na walang masyadong losses, go for bank savings or money market funds.