FAITH, FUNDS & Regrets

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FAITH, FUNDS & Regrets We help people move from Dreaming to Doing. Develop your good money habits - comprehensive and practical approach to financial planning and investing.

Financial regrets are normal. The key is learning from them.

02/10/2026

Cheryl Cosim - Kaiser Healthcare Ambassador

14/09/2026

Your future matters, so does the future of the people you love! ๐Ÿ’™

Tomorrow may be uncertain, but preparing for it can start today. With the Kaiser Long-Term Care Plan, you can build long-term health security and give yourself and your loved ones peace of mind for the years ahead.

Prepare today. Secure tomorrow. Choose Kaiser. ๐Ÿ’™






Disclaimer:
The appropriation of the official posts of the company outside of the official accounts of Kaiser International Healthgroup Inc. is strictly prohibited. The sharing and/or otherwise unauthorized dissemination of the official posts of the Kaiser International Healthgroup Inc. are considered violations of the intellectual property rights of the company.

The Kaiser International Healthgroup Inc. reserves the right to take legal action against those who violate our intellectual property rights, including seeking redress for damages in the proper courts of the Philippines.

  PhilHealth and SSS are like that partner who promises you the world but can only afford the food court.They provide a ...
13/08/2026

PhilHealth and SSS are like that partner who promises you the world but can only afford the food court.

They provide a safety net, but when a major crisis hits, they leave you exposed. Relying solely on government benefits for your health and family's future is the financial version of "hoping for the best."

The Bitter Truth About PhilHealth & SSS


PhilHealth is a case rate system. It only subtracts a fixed, basic amount from your total bill.

SSS sickness benefit has a cap. It only replaces a small fraction of your daily income for a limited time.

Critical illness will wipe you out. A major stroke, cancer diagnosis, or heart attack can easily cost millions.

Government funeral benefits are just a token. The cash assistance barely covers the cost of a modern casket or memorial service.

I can help you map out the exact policies to look for without overspending.
bit.ly/CoachBeyKAISER

Every mission begins with people who are committed to making a difference. Behind every government employee is a dedicat...
05/08/2026

Every mission begins with people who are committed to making a difference. Behind every government employee is a dedication to serve communities, respond to public needs, and help move the nation forward.

That's why protecting their health is just as important as the work they do. With the National Healthcare Shield, government personnel can count on dependable healthcare support that helps them stay focused, prepared, and ready for every responsibility. ๐Ÿ’™๐Ÿ‡ต๐Ÿ‡ญ



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05/08/2026

Back-to-Back Product Training of Kaiser International Healthgroup and Manila Bankers Assurance in the new Financial Center at IMG - Manila Bankers Prosperity Tower!

This meaningful collaboration reflects our shared commitment to empowering more Filipinos through financial education, health protection, and life insurance solutions.

More learning opportunities are coming to the Manila Bankers Prosperity Tower! Stay tuned for more updates!



05/08/2026
  SHARE THIS IF YOU HAVE YOUNGER BROTHERS and SISTERS na nasa 20s-30sReshare as a reminder this July 2026.MAGULANG: "ANA...
11/07/2026

SHARE THIS IF YOU HAVE YOUNGER BROTHERS and SISTERS na nasa 20s-30s
Reshare as a reminder this July 2026.

MAGULANG: "ANAK, galingan mo sa pag-aaral mo para magkaroon ka ng magandang trabaho ha"

Pagkatapos ng 4 na taon, boom, ito na ang sahod.
Pagtingin sa savings after all deductions SINGKWENTA PESOS!

Pero, this is the reality naman. Kahit nga ako, Magna Cum Laude graduate, I started P9,800 per month wayback 2003..

Unless anak ka ng CEO (CHILD OF OWNER) COO level, that is the reality for many pinoys.
Tinanggap ko yan, pero may goal ako back then. Feeling ko, exciting, kasi dami kong energy. 19 years old fresh grad eh.

Now, ano ba ang gagawin para umangat?

Ito ang mga tips ni Coach Miranda Miner na nagsimula sa P9,800 a month to P600,00 a month in 15 years.

Pwedeng magwork sayo to o hindi, Kanya kanya tayo ng libro, pero basahin mo muna, lalo na kapag early 20's ka ngayon.

THIS CAN BE FOR YOU, read below. tyagain mo.

NB: may mga expletives dito. If sensitive ka, don't read. Pero get ready, the real world challenges can brainfu*k you kung dito pa lang mahina ka na.

******************************************************************

1. Galingan mo sa trabaho in a way na ramdam ng boss mo.
Hindi yung tahimik ka lang na masipag.

Be the guy na kapag may problema, ikaw ang tinatawag.
Be visible. Be dependable. Make yourself hard to replace.

2. Mag-aral ng skill na may bayad sa market.
Hindi lang basta interesting.

Learn something na puwedeng pagkakitaan like leadership, sales, tech tools, AI, analytics, communication, active trading, investing.

Yung kaya mong ilagay sa resume at tataas ang value mo.
Nung panahon ko, I learned COPC, Six Sigma, Designing Adult Learning Curriculum.

Naginvest ako sa mga bigating schools. I also took MBA sa Ateneo Graduate School.

3. Pag nagawa mo na yang first 2, then GO FOR THE ASK.
The "crying baby gets the milk".
Pag ayaw nila, THEN mindfu*k them by LEAVING!

Yan ang ginawa ko. I levelled up my salary by being an external hire.

REMEMBER: Ethos ng corporate to buy talents sa labas.
They alocated budget +20-30% higher than their internal talents kasi iniisip nila that their internal talent pool doesnt posses yet the needs of their business.

So pag galing ka sa labas, immediate 20% increase ka sa salary.

**********************************************************************

Then evaluate mo kung nasaang industry ka. If you belong to the industries below, medyo delikado ka na in the next 5 years.

DELIKADO KAPAG NANDITO KA!

* Repetitive manual labor sectors (e.g., assembly line manufacturing)
* Traditional data entry and back-office processing
* Basic customer service (call centers with scripted responses)
* Trucking and courier driving (autonomous transport tech)
* Retail cashiers and checkout roles
* Routine bookkeeping and simple accounting tasks
* Low-complexity legal support (basic document review)
* Entry-level journalism/content repurposing
* Basic translation services
* Telemarketing and cold calling

Industries Facing Disruption

* Healthcare administration and billing
* Financial advisory (AI robo-advisors)
* Insurance underwriting and claims processing
* Real estate appraisal and valuations
* Education delivery (automated tutoring/assessment)
* Creative media generation (AI-assisted art/writing)
* Market research and simple analytics
* HR screening and resume filtering
* Supply chain planning
* Advertising targeting and optimization

*********************************************************************

Ang goal is to make yourself indispensable.

TANDAAN, walang tutulong sayo.
WALA! IKAW LANG. SARILI MO LANG.

Pag ginalingan mo, pwede kang magka mentor.
Yung taong i-groom ka bilang kapalit nila. "birds of the same feather, flocks together" ika-nga.

Pero mentoring is 1 hour a week, madalas, 2x a month lang.
Lahat ng tao may challenges kahit mentor mo. It is still going to be you at the end of the day.

Wag kang pa-victim mindset.

Ang GROWTH kasi pwedeng vertical or horizontal/diagonal.
You can get new skills without leaving your current job.
That is horizontal.

Ito ang ginawa ko wayback 2016.

I didn't leave corporate. Instead, nagipon ako, I made it a point na di ako aalis ng corporate to take a leap of faith unless may emergency funds ako kaya akong buhayin at pamilya ko at least 36 months.

Nag bida-bida ako.

I volunteered on projects I dont know.

Sa field na ko nag-aral. Nag tanong, Naghanap ng mentor.
I remember launching a side-project back then to create a hotline for covid affected employees to the point of hiring nurse/agents at the end of the line, designing the hotline, etc.
I gave me perspectives.

Nung meron na kong "money to burn" in trading at leadership skills to be able to manage my own table, dun na ako nag decide.

reshare.

BASAHIN: ๐—”๐—ป๐—ด ๐—ฝ๐—ฎ๐—ฝ๐—ฒ๐—น ๐—ป๐—ด ๐—ด๐—ผ๐—ฏ๐˜†๐—ฒ๐—ฟ๐—ป๐—ผ ay magpapalawak ng mga oportunidad sa hanapbuhay tulad ng trabaho at negosyo upang maging...
11/07/2026

BASAHIN: ๐—”๐—ป๐—ด ๐—ฝ๐—ฎ๐—ฝ๐—ฒ๐—น ๐—ป๐—ด ๐—ด๐—ผ๐—ฏ๐˜†๐—ฒ๐—ฟ๐—ป๐—ผ ay magpapalawak ng mga oportunidad sa hanapbuhay tulad ng trabaho at negosyo upang maging pagmulan ng pagkakitaan.

Ang pagpalago at pangalaga sa kita ay ๐˜€๐—ฎ๐—ฟ๐—ถ๐—น๐—ถ๐—ป๐—ด ๐—ฑ๐—ถ๐˜€๐—ธ๐—ฎ๐—ฟ๐˜๐—ฒ ๐—ป๐—ด ๐—ฏ๐—ฎ๐˜„๐—ฎ๐˜ ๐—ถ๐˜€๐—ฎ kung saan nangangailangan ng pag aaral at disiplina.

Tinuturo ang pagbuo ng solid financial foundation sa lahat ng pamilya ayon sa ๐—œ๐—ป๐˜๐—ฒ๐—ฟ๐—ป๐—ฎ๐˜๐—ถ๐—ผ๐—ป๐—ฎ๐—น ๐— ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜๐—ถ๐—ป๐—ด ๐—š๐—ฟ๐—ผ๐˜‚๐—ฝ (๐—œ๐— ๐—š) ay parang pagtatayo ng bahay na dapat ๐—บ๐—ฎ๐—ด๐˜€๐—ถ๐—บ๐˜‚๐—น๐—ฎ ๐—บ๐˜‚๐—น๐—ฎ ๐˜€๐—ฎ ๐—ถ๐—ฏ๐—ฎ๐—ฏ๐—ฎ ๐—ฝ๐—ฎ๐˜๐—ฎ๐—ฎ๐˜€.

๐Ÿญ. ๐—ž๐˜‚๐—บ๐˜‚๐—ต๐—ฎ ๐—ป๐—ด ๐—ฆ๐—ฎ๐—ฝ๐—ฎ๐˜ ๐—ป๐—ฎ ๐—›๐—ฒ๐—ฎ๐—น๐˜๐—ต๐—ฐ๐—ฎ๐—ฟ๐—ฒ

๐—ฆ๐—ต๐—ผ๐—ฟ๐˜-๐—ง๐—ฒ๐—ฟ๐—บ ๐—›๐— ๐—ข:Sagot sa mga biglaang pagkakasakit ngayon.
๐—Ÿ๐—ผ๐—ป๐—ด-๐—ง๐—ฒ๐—ฟ๐—บ ๐—›๐— ๐—ข: Proteksyon sa pagtanda o pagretiro.
๐—ฃ๐˜‚๐—ป๐—ฑ๐—ฎ๐˜€๐˜†๐—ผ๐—ป: Ito ang pinaka-ilalim dahil ang isang seryosong sakit ay kayang umubos ng lahat ng ipon mo sa isang iglap.

๐Ÿฎ. ๐—ฃ๐—ฟ๐—ผ๐˜๐—ฒ๐—ธ๐˜๐—ฎ๐—ต๐—ฎ๐—ป ๐—ฎ๐—ป๐—ด ๐—ฃ๐—ฎ๐—บ๐—ถ๐—น๐˜†๐—ฎ (๐—Ÿ๐—ถ๐—ณ๐—ฒ ๐—œ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ)

๐—œ๐—ป๐—ฐ๐—ผ๐—บ๐—ฒ ๐—ฅ๐—ฒ๐—ฝ๐—น๐—ฎ๐—ฐ๐—ฒ๐—บ๐—ฒ๐—ป๐˜: Kapalit ng kita kung sakaling pumanaw ang breadwinner.
๐—œ๐—ป๐˜€๐˜๐—ฎ๐—ป๐˜ ๐— ๐—ผ๐—ป๐—ฒ๐˜†: Pera para sa pamilyang maiiwan upang hindi sila maghirap.
๐—œ๐—ป๐˜€๐˜๐—ฎ๐—ป๐˜ ๐—˜๐˜€๐˜๐—ฎ๐˜๐—ฒ: Agarang pamana para sa mga mahal sa buhay.

๐Ÿฏ. ๐—ฃ๐—ฎ๐—บ๐—ฎ๐—ต๐—ฎ๐—น๐—ฎ๐—ฎ๐—ป ๐—ฎ๐˜ ๐—•๐—ฎ๐˜†๐—ฎ๐—ฟ๐—ฎ๐—ป ๐—ฎ๐—ป๐—ด ๐—จ๐˜๐—ฎ๐—ป๐—ด (๐——๐—ฒ๐—ฏ๐˜ ๐— ๐—ฎ๐—ป๐—ฎ๐—ด๐—ฒ๐—บ๐—ฒ๐—ป๐˜)

๐—œ๐˜„๐—ฎ๐˜€๐—ฎ๐—ป ๐—ฎ๐—ป๐—ด ๐—จ๐˜๐—ฎ๐—ป๐—ด: Huwag nang mangutang ng bago (bad debt).
๐—•๐—ฎ๐˜„๐—ฎ๐˜€๐—ฎ๐—ป ๐—ฎ๐—ป๐—ด ๐—š๐—ฎ๐˜€๐˜๐—ผ๐˜€: Magtipid upang may pambayad.
๐—ž๐—ฎ๐—ป๐˜€๐—ฒ๐—ฟ ๐˜€๐—ฎ ๐—ฃ๐—ถ๐—ป๐—ฎ๐—ป๐˜€๐˜†๐—ฎ๐—น: Ang utang ay parang anay na sumisira sa iyong pinansyal na pundasyon.

๐Ÿฐ. ๐— ๐—ฎ๐—ด-๐—ถ๐—ฝ๐—ผ๐—ป ๐—ป๐—ด ๐—˜๐—บ๐—ฒ๐—ฟ๐—ด๐—ฒ๐—ป๐—ฐ๐˜† ๐—™๐˜‚๐—ป๐—ฑ

๐—›๐—ฎ๐—น๐—ฎ๐—ด๐—ฎ: Katumbas ng 3 hanggang 6 na buwang gastusin.
๐—ฆ๐—ฎ๐—ฎ๐—ป ๐—š๐—ฎ๐—ด๐—ฎ๐—บ๐—ถ๐˜๐—ถ๐—ป: Sa mga hindi inaasahang pangyayari tulad ng pagkawala ng trabaho.
๐—ž๐—ฎ๐—ฝ๐—ฎ๐˜†๐—ฎ๐—ฝ๐—ฎ๐—ฎ๐—ป ๐—ป๐—ด ๐—œ๐˜€๐—ถ๐—ฝ: Panangga upang hindi mapilitang mangutang muli.

๐Ÿฑ. ๐—š๐˜‚๐—บ๐—ฎ๐˜„๐—ฎ ๐—ป๐—ด ๐—ฃ๐—ฎ๐—บ๐˜‚๐—บ๐˜‚๐—ต๐˜‚๐—ป๐—ฎ๐—ป (๐—œ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜๐—บ๐—ฒ๐—ป๐˜๐˜€)

๐— ๐˜‚๐˜๐˜‚๐—ฎ๐—น ๐—™๐˜‚๐—ป๐—ฑ๐˜€: Para sa pangmatagalang layunin tulad ng pagreretiro.
๐—ฆ๐˜๐—ผ๐—ฐ๐—ธ๐˜€ ๐—ฎ๐˜ ๐—ฅ๐—ฒ๐—ฎ๐—น ๐—˜๐˜€๐˜๐—ฎ๐˜๐—ฒ: Iba pang paraan para mapalago ang pera.
๐—ง๐˜‚๐—ธ๐˜๐—ผ๐—ธ ๐—ป๐—ด ๐—•๐—ฎ๐—ต๐—ฎ๐˜†: Ito ang huling ginagawa kapag matatag na ang mga naunang antas.

Sa puntong ito ay malaki ang papel ng mga nasa propesyon na pagiging ๐—œ๐— ๐—š ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—˜๐—ฑ๐˜‚๐—ฐ๐—ฎ๐˜๐—ผ๐—ฟ/๐—ฃ๐—น๐—ฎ๐—ป๐—ป๐—ฒ๐—ฟ.
https://123821uae.imgcorp.com/

Para matulungan kitang magplano, sabihin mo sa akin:
Alin sa mga antas na ito ang ๐—บ๐—ฒ๐—ฟ๐—ผ๐—ป ๐—ธ๐—ฎ ๐—ป๐—ฎ ngayon?
Ano ang iyong ๐—ฝ๐—ฎ๐—ป๐—ด๐˜‚๐—ป๐—ฎ๐—ต๐—ถ๐—ป๐—ด ๐—ฝ๐—ถ๐—ป๐—ฎ๐—ป๐˜€๐˜†๐—ฎ๐—น ๐—ป๐—ฎ ๐—น๐—ฎ๐˜†๐˜‚๐—ป๐—ถ๐—ป sa kasalukuyan?Magkano ang tinatantya mong ๐—ฏ๐˜‚๐˜„๐—ฎ๐—ป๐—ฎ๐—ป๐—ด ๐—ด๐—ฎ๐˜€๐˜๐˜‚๐˜€๐—ถ๐—ป mo ngayon?


Bigyan mo ako ng oras at hindi pa huli ang lahat para simulan:

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United Arab Emirates
Dubai

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