Leilanie Talks

08/22/2026

1. Maaaring ma-restrict o ma-freeze ng bank ang individual account kapag naabisuhan sila tungkol sa death. Kadalasan, hihingi ang bank ng death certificate at dokumentong nagpapatunay kung sino ang legal representative/executor.
2. Ang pera ay magiging bahagi ng estate kung ang account ay nasa pangalan lamang ng namatay. Ang executor/legal representative ang mangangasiwa sa estate, kabilang ang pagbabayad ng valid debts at taxes bago ipamahagi ang natitirang assets.
3. Hindi automatic na mapupunta sa pamilya ang pera. Depende ito sa ownership ng account, will, beneficiaries, at provincial estate laws. Sa Ontario, halimbawa, ang assets ay ipinapamahagi depende kung paano ito pag-aari at kung may will.
4. Iba ang rules kapag joint bank account. Sa maraming joint accounts, maaaring magkaroon ng right of survivorship kung saan ang surviving joint holder ang maaaring maging owner ng funds. Pero may exceptions at maaaring magkaroon ng legal dispute, lalo na kung hindi malinaw kung gift ba talaga ang pera.
5. Kailangang ayusin muna ang taxes at obligations ng estate. Maaaring kailanganin ang final tax return, at bago ipamahagi ang estate, maaaring kailanganin ng executor ang CRA clearance certificate para mabawasan ang risk na personal siyang managot sa outstanding tax liabilities.

Hindi natin alam kung kailan darating ang ‘what if.’ Pero habang may panahon pa, puwede nating siguraduhin na kapag dumating ang araw na iyon, hindi maiiwan ang pamilya natin na walang financial protection.

Don’t wait until it’s too late. 💙
Let’s talk about your family’s financial protection and find an insurance solution that fits your needs.

Protect today. Prepare tomorrow. Give your family peace of mind.

02/11/2025

Personal insurance VS. Group life insurance

02/11/2025

10/23/2024

Jack Ma once said,
'When Selling to close friends and family, no matter how much you're selling to them, they will always feel you're earning their money, no matter how cheap you sell to them, they still wouldn't appreciate it.'
There will always be people who do not care about your Costs, Time, Effort, they rather let other people cheat them, allowing others to earn, then supporting someone they know. Cause in their heart, they will always be thinking, 'How much did he earn from me?' instead of "How much did he SAVE/MAKE for me?"
This is a classic example of a poor person's mentality!

How did the rich people become rich? One of the main reason is because they are willing to SUPPORT their associates business, taking care of one another's interests thus naturally they get back more.

Your Friends will in turn support you, thus the circle of wealth continues to grow and grow!
Simple Logic, you will start to get rich once you understand it.

Jack Ma on Sales: 'When doing Sales, the first people who will trust you will be Strangers, Friends will be shielding against you, fair-weather friends will distance from you. Family will look down upon you.'

The day you finally succeed, paying the bill for every get-together dinner, entertainment, you will realised: Everyone else is present except the Strangers.