Mai-Financial Advisor

02/09/2023

Gulatin Mo Yung Mga Taong Walang Bilib Sayo! start na BER MONTHS bukas pa- INSURED ka na 😉😉😉👌

Tara usap tayo habang humihigop ng kape sa maulan na umaga ☕️🤗

19/06/2023

Retirement is the longest holiday in our lives. If you survive and pass age 60, the only thing you can do is - RETIRE. ⏳
(Please read until bottom)
I met with a client today. Made him realized his retirement fund by age 55. Current age is 38. His monthly expense today @38 is 50k. He has only 17yrs to go before nesting. The value of his money today year 2019 is no longer 50k at 2036. From 50k to 97k per month is the value of his lifestyle expense. Inorder for him to live the whole yr, he needs 1.1m. But ofcourse he will not only survive for a yr, right? Assuming he lives from 55-65. He will be needing 11m to live off interest and pay his basic necessities - food, utilities and gas. Note: Maintenance meds and healthcare are not part of the computation yet.

**Sad reality, government has limited support to none for elderlies in PH. Relatives nor children can only support the basic. Friends can only pray for you.

Ctto

05/06/2023

I heard this story from one of our speakers.

His friend, who was not a believer of insurance, got sick. More than half a million ang hospital bill. 😔

Then one day he texted him, “bakit hindi mo ako pinilit kumuha ng insurance?”

Simple lang naman ang sagot dyan.

"kasi nga di mo pa priority"

Kidding aside..𝗮𝗻𝗴 𝗽𝗮𝗴𝗸𝘂𝗵𝗮 𝗻𝗴 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗮𝘆 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗰𝗵𝗼𝗶𝗰𝗲!

Kahit gano kaganda ang insurance plan na ipakita ko sayo, kung hindi ka interesado… lalabas lang sa kabilang tenga ang pinaliwanag ko. Kung hindi kasama sa priority mo ang pagkuha ng insurance, kahit mura lang ang premium payment parang ang expensive nun para sa'yo. Kung hindi ka pa ready pag handaan ang future mo, hindi ka rin magkakaron ng time para makinig sa financial planning na offer ko.

Sa totoo lang, gusto ko lahat ng friends ko ay kumuha rin ng insurance. Pero hindi kita pwedeng pilitin.
Hindi kita pwedeng i-guilt trip.
Hindi kita pwedeng takutin sa negative effects ng SADD (sickness, accident, disability, and death) events sa buhay.

At the end of the day, 𝗜𝗞𝗔𝗪 𝗔𝗡𝗚 𝗠𝗔𝗚𝗗𝗘𝗗𝗘𝗖𝗜𝗗𝗘 𝗞𝗨𝗠𝗨𝗛𝗔 𝗡𝗚 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗣𝗔𝗥𝗔 𝗦𝗔'𝗬𝗢 𝗔𝗧 𝗦𝗔 𝗟𝗢𝗩𝗘𝗗 𝗢𝗡𝗘𝗦 𝗠𝗢

Message ka lang 💛📩

CTTO

23/05/2023

Mas madali mag-ipon ng 3,000 kada buwan for 10 yrs kaysa maghanap ng 500,000 na biglaan.

Have enough Life and Health Insurance coverage for you and your loved ones.

Message me for appointment.

14/05/2023

Happy mother's day 💚

Not all superheroes wear capes. Some wear aprons or don suits and heels all day. Whether at home or in the office, all mothers deserve our TLC today. 💚💚💚
Happy Mother's Day!

25/04/2023

Retirement

"Plan ahead while you have the strength and capability to do it, when you are near this stage it might be too late for you."

Fact check.

✔ The maximum pension given by SSS is at P 10k/month and the average is at around P 3k-5k
✔ Only 1% of the retirees population lives in luxury, 9% lives comfortably, 15% lives just enough to survive and 75% lives poorly
✔ Most employee would tell that their SSS benefit would be enough for retirement, or their children would provide for them
✔ A huge number of people is not aware of inflation, where the purchasing power of our money will not be able to buy the same goods that we buy now. Let's take for example our staple food, rice. Way back 2000's a kilo of rice is more or less ranging from P 27-35/kg, now it costs at around P 50-75/kg

Let's create an example.

Today is your retirement (age 60) and will live for 20 more years. You are eating 3 times a day at P 100/meal. Now, let's do the Math.

P 100/meal x 3 meals/day = P 300/meal a day
365 days in a year x P 300/meal a day = P 109,500 cost of meal for a year
20 years to live x P 109,500 cost of meal a year = P 2,190,000

Inflation has not been included, this is just a basic assumption, and is based on the numbers. This is just for a meal, we did not discussed here other basic neeeds of a retiree, like medicine, utilities and toiletries. What if you are a person who wants to travel? A person who wants to enjoy retirement?

The questions are:
✔ Have you prepared for it?
✔ Who would support you during your retirement years?
✔ Have you alloted a portion of your income for it?
✔ Now that you know the data, what are the actions that you would take?

It is never too late. The ant does not look for food during the rainy days, they do it while the sun is strong.





Ctto

17/04/2023

To My Dead Husband Tom,

Why were you so against insurance? You always chuckled and laughed that you would never die and I would just remarry. Well guess what? You died one year later! It’s now two years later, all our money is gone and I have some real physical and mental challenges.

I am left with our daughter Susan, NO HOME, working two jobs, and bills coming out my $ # #, and the damn collectors will not stop calling. They are even calling our friends and my work. The doctor bills for your heart attack alone were in excess of $90,000.

The fun and laughter is now gone and we are really hurting! When I really think about it, I believe I am as much to blame as you are. I should have opened my mind and imagined the alternative picture the life guy was painting. Instead I chose to laugh about it and assumed it would never happen to us.

The joke is on me! I am not remarried and most likely will not get married ever again. When someone dies it is amazing the sorrow and pain that comes to the surface.

I want to let you know that I now have a policy on myself, and I make sure it is the first bill paid. If something ever happens to me, I want Susan to be protected. You know what kills me the most? For only $30 month, we could have been protected.

Tina

24/03/2023

Talk to a financial advisor today💚

07/03/2023

💯

13/02/2023

Attention : Dear Clients!!!

We’re giving away GrabFood and GrabMart vouchers as Valentine’s Day treat to customers who are Manulife Online users! 💚💚

Qualified customers will receive Grab code vouchers through their registered email address or Manulife’s official Viber community.

———

*THIS PROMO APPLIES TO MANULIFE ONLINE USERS ONLY. Limited number of redemptions and for one-time use only. Promo runs from today until February 28, 2023, or until supplies last.*

07/02/2023

23/01/2023

Businessmen will insure their companies and businesses. Car owners will insure their vehicles. House owners will insure their homes. Yet many of them do not or forget to insure their most valuable assets that created the assets in the first place. Themselves! Life insurance advisers, its your mission to protect them. Go out and do it today.

Ralph Liew