Melanie C. Maravillosa, Advisor

Melanie C. Maravillosa, Advisor Part of Financial Freedom is having your heart & mind free from worry about the what-ifs of life. Silver Medallion Awardee President's Month

๐ŸŒฑ ๐“๐ก๐ž ๐๐ž๐ฌ๐ญ ๐“๐ข๐ฆ๐ž ๐ญ๐จ ๐’๐ญ๐š๐ซ๐ญ? ๐ˆ๐ญโ€™๐ฌ ๐„๐ฑ๐š๐œ๐ญ๐ฅ๐ฒ ๐–๐ก๐ž๐ซ๐ž ๐˜๐จ๐ฎ ๐€๐ซ๐ž.They say the best time to plant a tree was 20 years ago. The second...
27/04/2026

๐ŸŒฑ ๐“๐ก๐ž ๐๐ž๐ฌ๐ญ ๐“๐ข๐ฆ๐ž ๐ญ๐จ ๐’๐ญ๐š๐ซ๐ญ? ๐ˆ๐ญโ€™๐ฌ ๐„๐ฑ๐š๐œ๐ญ๐ฅ๐ฒ ๐–๐ก๐ž๐ซ๐ž ๐˜๐จ๐ฎ ๐€๐ซ๐ž.

They say the best time to plant a tree was 20 years ago. The second best time is ๐ง๐จ๐ฐ.

Insurance works exactly the same way. We often think, "๐˜'๐˜ญ๐˜ญ ๐˜ญ๐˜ฐ๐˜ฐ๐˜ฌ ๐˜ช๐˜ฏ๐˜ต๐˜ฐ ๐˜ช๐˜ต ๐˜ธ๐˜ฉ๐˜ฆ๐˜ฏ ๐˜'๐˜ฎ ๐˜ฐ๐˜ญ๐˜ฅ๐˜ฆ๐˜ณ," or "๐˜โ€™๐˜ญ๐˜ญ ๐˜ธ๐˜ข๐˜ช๐˜ต ๐˜ถ๐˜ฏ๐˜ต๐˜ช๐˜ญ ๐˜ ๐˜ฉ๐˜ข๐˜ท๐˜ฆ ๐˜ฎ๐˜ฐ๐˜ณ๐˜ฆ ๐˜ด๐˜ข๐˜ท๐˜ฆ๐˜ฅ ๐˜ถ๐˜ฑ." But just like a seedling, protection needs time to grow.

Starting todayโ€”even with something smallโ€”means:

โœ…๐‹๐จ๐ฐ๐ž๐ซ ๐๐ซ๐ž๐ฆ๐ข๐ฎ๐ฆ๐ฌ: Your "younger self" always gets the best rates.
โœ… ๐๐ž๐š๐œ๐ž ๐จ๐Ÿ ๐Œ๐ข๐ง๐: You aren't just buying a policy; you're planting a canopy of safety for your family.
โœ… ๐†๐ซ๐จ๐ฐ๐ญ๐ก: Your benefits have more time to mature and support your future goals.

Donโ€™t wait for the "perfect" moment. The perfect moment is the one where you decide to take control.

๐‹๐ž๐ญโ€™๐ฌ ๐ฉ๐ฅ๐š๐ง๐ญ ๐ญ๐ก๐š๐ญ ๐ฌ๐ž๐ž๐ ๐ญ๐จ๐ ๐ž๐ญ๐ก๐ž๐ซ ๐ญ๐จ๐๐š๐ฒ. Message me for a casual chat about a plan that fits your current season of life! โ˜•โœจ

As an entrepreneur, many people depend on you-your family, your business partners, your employees. Critical illness coul...
28/10/2024

As an entrepreneur, many people depend on you-your family, your business partners, your employees. Critical illness could put a lot of strain on finances both for your family and your business.

As your partner in health, Sun Life can help you prepare for the cost of critical illness including hospitalization, post hospitalization and home recovery with the SUN Fit and Well Advantage plan . Get cash for health emergencies due to critical illness so you wonโ€™t need to get it from your savings or funds intended for your business.

Invest in your health. Itโ€™s worth it!

Visit https://sunlife.co/BIP HealthProtection or send me a DM for more details.




Bright Monday Morning
28/10/2024

Bright Monday Morning

๐˜ ๐˜ถ๐˜ด๐˜ฆ๐˜ฅ ๐˜ต๐˜ฐ ๐˜ธ๐˜ฐ๐˜ณ๐˜ฌ ๐˜ช๐˜ฏ ๐˜ข ๐˜ค๐˜ฐ๐˜ณ๐˜ฑ๐˜ฐ๐˜ณ๐˜ข๐˜ต๐˜ฆ ๐˜ธ๐˜ฐ๐˜ณ๐˜ญ๐˜ฅ 12 ๐˜ฉ๐˜ฐ๐˜ถ๐˜ณ๐˜ด ๐˜ข ๐˜ฅ๐˜ข๐˜บ, 6 ๐˜ฅ๐˜ข๐˜บ๐˜ด ๐˜ข ๐˜ธ๐˜ฆ๐˜ฆ๐˜ฌ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ด๐˜ฐ๐˜ฎ๐˜ฆ๐˜ต๐˜ช๐˜ฎ๐˜ฆ๐˜ด ๐˜ฆ๐˜ท๐˜ฆ๐˜ฏ ๐˜ฐ๐˜ฏ ๐˜ณ๐˜ฆ๐˜ด๐˜ต ๐˜ฅ๐˜ข๐˜บ๐˜ด. ๐˜โ€™๐˜ฎ ๐˜ง๐˜ฐ๐˜ณ๐˜ฆ๐˜ท๐˜ฆ๐˜ณ ๐˜จ๐˜ณ๐˜ข๐˜ต๐˜ฆ๐˜ง๐˜ถ๐˜ญ ...
14/10/2024

๐˜ ๐˜ถ๐˜ด๐˜ฆ๐˜ฅ ๐˜ต๐˜ฐ ๐˜ธ๐˜ฐ๐˜ณ๐˜ฌ ๐˜ช๐˜ฏ ๐˜ข ๐˜ค๐˜ฐ๐˜ณ๐˜ฑ๐˜ฐ๐˜ณ๐˜ข๐˜ต๐˜ฆ ๐˜ธ๐˜ฐ๐˜ณ๐˜ญ๐˜ฅ 12 ๐˜ฉ๐˜ฐ๐˜ถ๐˜ณ๐˜ด ๐˜ข ๐˜ฅ๐˜ข๐˜บ, 6 ๐˜ฅ๐˜ข๐˜บ๐˜ด ๐˜ข ๐˜ธ๐˜ฆ๐˜ฆ๐˜ฌ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ด๐˜ฐ๐˜ฎ๐˜ฆ๐˜ต๐˜ช๐˜ฎ๐˜ฆ๐˜ด ๐˜ฆ๐˜ท๐˜ฆ๐˜ฏ ๐˜ฐ๐˜ฏ ๐˜ณ๐˜ฆ๐˜ด๐˜ต ๐˜ฅ๐˜ข๐˜บ๐˜ด. ๐˜โ€™๐˜ฎ ๐˜ง๐˜ฐ๐˜ณ๐˜ฆ๐˜ท๐˜ฆ๐˜ณ ๐˜จ๐˜ณ๐˜ข๐˜ต๐˜ฆ๐˜ง๐˜ถ๐˜ญ ๐˜ต๐˜ฐ ๐˜ต๐˜ฉ๐˜ช๐˜ด ๐˜ค๐˜ฐ๐˜ฎ๐˜ฑ๐˜ข๐˜ฏ๐˜บ ๐˜ง๐˜ฐ๐˜ณ ๐˜ถ๐˜ฏ๐˜ญ๐˜ฐ๐˜ค๐˜ฌ๐˜ช๐˜ฏ๐˜จ ๐˜ต๐˜ฉ๐˜ฆ ๐˜ฑ๐˜ฐ๐˜ต๐˜ฆ๐˜ฏ๐˜ต๐˜ช๐˜ข๐˜ญ ๐˜ ๐˜ฏ๐˜ฆ๐˜ท๐˜ฆ๐˜ณ ๐˜ฌ๐˜ฏ๐˜ฆ๐˜ธ ๐˜ ๐˜ฉ๐˜ข๐˜ฅ, ๐˜ง๐˜ฐ๐˜ณ ๐˜ต๐˜ฉ๐˜ฆ ๐˜ช๐˜ฎ๐˜ฎ๐˜ฆ๐˜ฏ๐˜ด๐˜ฆ ๐˜ญ๐˜ฆ๐˜ข๐˜ณ๐˜ฏ๐˜ช๐˜ฏ๐˜จ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ฆ๐˜ฒ๐˜ถ๐˜ช๐˜ฑ๐˜ฑ๐˜ช๐˜ฏ๐˜จ ๐˜ฎ๐˜ฆ ๐˜ด๐˜ฆ๐˜ต ๐˜ฐ๐˜ถ๐˜ต ๐˜ช๐˜ฏ ๐˜ต๐˜ฉ๐˜ฆ ๐˜ณ๐˜ฆ๐˜ข๐˜ญ ๐˜ธ๐˜ฐ๐˜ณ๐˜ญ๐˜ฅ.

๐˜ž๐˜ฉ๐˜ฆ๐˜ฏ ๐˜ฎ๐˜บ ๐˜ฑ๐˜ณ๐˜ช๐˜ฐ๐˜ณ๐˜ช๐˜ต๐˜ช๐˜ฆ๐˜ด ๐˜ค๐˜ฉ๐˜ข๐˜ฏ๐˜จ๐˜ฆ๐˜ฅ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ฑ๐˜ฉ๐˜บ๐˜ด๐˜ช๐˜ค๐˜ข๐˜ญ/๐˜ฎ๐˜ฆ๐˜ฏ๐˜ต๐˜ข๐˜ญ ๐˜ฉ๐˜ฆ๐˜ข๐˜ญ๐˜ต๐˜ฉ ๐˜ฃ๐˜ฆ๐˜ค๐˜ข๐˜ฎ๐˜ฆ ๐˜ฎ๐˜ฐ๐˜ณ๐˜ฆ ๐˜ฐ๐˜ง ๐˜ฎ๐˜บ ๐˜ค๐˜ฐ๐˜ฏ๐˜ค๐˜ฆ๐˜ณ๐˜ฏ, ๐˜ ๐˜ฑ๐˜ณ๐˜ข๐˜บ๐˜ฆ๐˜ฅ ๐˜ต๐˜ฐ ๐˜ง๐˜ช๐˜ฏ๐˜ฅ ๐˜ข ๐˜ซ๐˜ฐ๐˜ฃ ๐˜ต๐˜ฉ๐˜ข๐˜ต ๐˜ธ๐˜ฐ๐˜ถ๐˜ญ๐˜ฅ ๐˜จ๐˜ช๐˜ท๐˜ฆ ๐˜ฎ๐˜ฆ ๐˜ต๐˜ช๐˜ฎ๐˜ฆ ๐˜ง๐˜ณ๐˜ฆ๐˜ฆ๐˜ฅ๐˜ฐ๐˜ฎ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ข ๐˜ด๐˜ฆ๐˜ฏ๐˜ด๐˜ฆ ๐˜ฐ๐˜ง ๐˜ฑ๐˜ถ๐˜ณ๐˜ฑ๐˜ฐ๐˜ด๐˜ฆ. ๐˜ˆ๐˜ฏ๐˜ฅ ๐˜ด๐˜ฐ ๐˜ข๐˜ง๐˜ต๐˜ฆ๐˜ณ ๐˜ฅ๐˜ช๐˜ด๐˜ค๐˜ฆ๐˜ณ๐˜ฏ๐˜ฎ๐˜ฆ๐˜ฏ๐˜ต, ๐˜ ๐˜ฅ๐˜ฆ๐˜ค๐˜ช๐˜ฅ๐˜ฆ๐˜ฅ ๐˜ต๐˜ฐ ๐˜ฒ๐˜ถ๐˜ช๐˜ต ๐˜ฎ๐˜บ ๐˜ซ๐˜ฐ๐˜ฃ ๐˜ข๐˜ฏ๐˜ฅ ๐˜Ž๐˜ฐ๐˜ฅ ๐˜ฐ๐˜ณ๐˜ค๐˜ฉ๐˜ฆ๐˜ด๐˜ต๐˜ณ๐˜ข๐˜ต๐˜ฆ๐˜ฅ ๐˜ต๐˜ฉ๐˜ฆ ๐˜ณ๐˜ฆ๐˜ด๐˜ต.

๐˜›๐˜ฉ๐˜ข๐˜ฏ๐˜ฌ ๐˜บ๐˜ฐ๐˜ถ ๐™Ž๐™ช๐™ฃ ๐™‡๐™ž๐™›๐™š ๐˜ง๐˜ฐ๐˜ณ ๐˜ต๐˜ฉ๐˜ฆ ๐˜ด๐˜ญ๐˜ฐ๐˜ธ ๐˜ฎ๐˜ฐ๐˜ณ๐˜ฏ๐˜ช๐˜ฏ๐˜จ๐˜ด, ๐˜ง๐˜ฐ๐˜ณ ๐˜ญ๐˜ฆ๐˜ต๐˜ต๐˜ช๐˜ฏ๐˜จ ๐˜ฎ๐˜ฆ ๐˜ฆ๐˜น๐˜ฑ๐˜ฆ๐˜ณ๐˜ช๐˜ฆ๐˜ฏ๐˜ค๐˜ฆ ๐˜ต๐˜ฉ๐˜ฆ ๐˜ด๐˜ช๐˜ฎ๐˜ฑ๐˜ญ๐˜ฆ ๐˜ซ๐˜ฐ๐˜บ๐˜ด ๐˜ฐ๐˜ง ๐˜ฆ๐˜ท๐˜ฆ๐˜ณ๐˜บ๐˜ฅ๐˜ข๐˜บ ๐˜ญ๐˜ช๐˜ง๐˜ฆ, ๐˜ง๐˜ฐ๐˜ณ ๐˜ต๐˜ฉ๐˜ฆ ๐˜ฆ๐˜น๐˜ต๐˜ณ๐˜ข ๐˜ต๐˜ช๐˜ฎ๐˜ฆ ๐˜ธ๐˜ช๐˜ต๐˜ฉ ๐˜ฎ๐˜บ ๐˜ญ๐˜ฐ๐˜ท๐˜ฆ๐˜ฅ ๐˜ฐ๐˜ฏ๐˜ฆ๐˜ด, ๐˜ง๐˜ฐ๐˜ณ ๐˜ต๐˜ฉ๐˜ฆ ๐˜จ๐˜ช๐˜ง๐˜ต ๐˜ฐ๐˜ง ๐˜ต๐˜ช๐˜ฎ๐˜ฆ ๐˜ต๐˜ฐ ๐˜ฅ๐˜ฐ ๐˜ต๐˜ฉ๐˜ช๐˜ฏ๐˜จ๐˜ด ๐˜ฐ๐˜ฏ ๐˜ฎ๐˜บ ๐˜ฐ๐˜ธ๐˜ฏ ๐˜ต๐˜ฆ๐˜ณ๐˜ฎ๐˜ด, ๐˜ง๐˜ฐ๐˜ณ ๐˜ฎ๐˜ข๐˜ฌ๐˜ช๐˜ฏ๐˜จ ๐˜ข ๐˜ฅ๐˜ช๐˜ง๐˜ง๐˜ฆ๐˜ณ๐˜ฆ๐˜ฏ๐˜ค๐˜ฆ ๐˜ต๐˜ฐ ๐˜ฐ๐˜ต๐˜ฉ๐˜ฆ๐˜ณ ๐˜ฑ๐˜ฆ๐˜ฐ๐˜ฑ๐˜ญ๐˜ฆโ€™๐˜ด ๐˜ญ๐˜ช๐˜ท๐˜ฆ๐˜ด ๐˜ข๐˜ฏ๐˜ฅ ๐˜ง๐˜ฐ๐˜ณ ๐˜ฎ๐˜ข๐˜ฌ๐˜ช๐˜ฏ๐˜จ ๐˜ฎ๐˜ฆ ๐˜ข๐˜ฏ ๐˜ช๐˜ฏ๐˜ด๐˜ต๐˜ณ๐˜ถ๐˜ฎ๐˜ฆ๐˜ฏ๐˜ต ๐˜ต๐˜ฐ ๐˜ด๐˜ข๐˜ท๐˜ฆ ๐˜ฐ๐˜ฏ๐˜ฆ ๐˜ญ๐˜ช๐˜ง๐˜ฆ, ๐˜ฐ๐˜ฏ๐˜ฆ ๐˜ง๐˜ข๐˜ฎ๐˜ช๐˜ญ๐˜บ ๐˜ข๐˜ต ๐˜ข ๐˜ต๐˜ช๐˜ฎ๐˜ฆ.

๐˜›๐˜ฉ๐˜ข๐˜ฏ๐˜ฌ ๐˜บ๐˜ฐ๐˜ถ ๐˜ฅ๐˜ฆ๐˜ข๐˜ณ ๐˜ค๐˜ญ๐˜ช๐˜ฆ๐˜ฏ๐˜ต๐˜ด ๐˜ง๐˜ฐ๐˜ณ ๐˜ค๐˜ฉ๐˜ฐ๐˜ฐ๐˜ด๐˜ช๐˜ฏ๐˜จ ๐˜ฎ๐˜ฆ ๐˜ข๐˜ด ๐˜บ๐˜ฐ๐˜ถ๐˜ณ ๐™Ž๐™ช๐™ฃ๐™‡๐™ž๐™›๐™š๐™‹๐™–๐™ง๐™ฉ๐™ฃ๐™š๐™ง๐™๐™ค๐™ง๐™‡๐™ž๐™›๐™š.

#8๐™ฉ๐™๐™Ž๐™ช๐™ฃ๐™ฃ๐™ž๐™ซ๐™š๐™ง๐™จ๐™–๐™ง๐™ฎ
#๐™Ž๐™ช๐™ฃ๐™‡๐™ž๐™›๐™š๐™‹๐™–๐™ง๐™ฉ๐™ฃ๐™š๐™ง๐™๐™ค๐™ง๐™‡๐™ž๐™›๐™š

๐๐ซ๐ข๐ ๐ก๐ญ ๐“๐ข๐ฉ๐ฌ ๐ฐ๐ก๐ž๐ง ๐๐’๐„๐ข ๐“๐ฎ๐ซ๐ง๐ฌ ๐๐ฎ๐ฅ๐ฅ๐ข๐ฌ๐ก๐˜›๐˜ฉ๐˜ฆ ๐˜ฃ๐˜ฆ๐˜ฏ๐˜ค๐˜ฉ๐˜ฎ๐˜ข๐˜ณ๐˜ฌ ๐˜ช๐˜ฏ๐˜ฅ๐˜ฆ๐˜น (๐˜—๐˜š๐˜Œ๐˜ช) ๐˜ค๐˜ฐ๐˜ฏ๐˜ต๐˜ช๐˜ฏ๐˜ถ๐˜ฆ๐˜ฅ ๐˜ช๐˜ต๐˜ด ๐˜ฃ๐˜ถ๐˜ญ๐˜ญ๐˜ช๐˜ด๐˜ฉ ๐˜ณ๐˜ถ๐˜ฏ ๐˜ต๐˜ฐ ๐˜ค๐˜ญ๐˜ฐ๐˜ด๐˜ฆ ๐˜ข๐˜ต ๐˜ช๐˜ต๐˜ด ๐˜ฉ๐˜ช๐˜จ๐˜ฉ๐˜ฆ๐˜ด๐˜ต ๐˜ญ๐˜ฆ๐˜ท๐˜ฆ๐˜ญ ๐˜ด๐˜ช...
11/10/2024

๐๐ซ๐ข๐ ๐ก๐ญ ๐“๐ข๐ฉ๐ฌ ๐ฐ๐ก๐ž๐ง ๐๐’๐„๐ข ๐“๐ฎ๐ซ๐ง๐ฌ ๐๐ฎ๐ฅ๐ฅ๐ข๐ฌ๐ก

๐˜›๐˜ฉ๐˜ฆ ๐˜ฃ๐˜ฆ๐˜ฏ๐˜ค๐˜ฉ๐˜ฎ๐˜ข๐˜ณ๐˜ฌ ๐˜ช๐˜ฏ๐˜ฅ๐˜ฆ๐˜น (๐˜—๐˜š๐˜Œ๐˜ช) ๐˜ค๐˜ฐ๐˜ฏ๐˜ต๐˜ช๐˜ฏ๐˜ถ๐˜ฆ๐˜ฅ ๐˜ช๐˜ต๐˜ด ๐˜ฃ๐˜ถ๐˜ญ๐˜ญ๐˜ช๐˜ด๐˜ฉ ๐˜ณ๐˜ถ๐˜ฏ ๐˜ต๐˜ฐ ๐˜ค๐˜ญ๐˜ฐ๐˜ด๐˜ฆ ๐˜ข๐˜ต ๐˜ช๐˜ต๐˜ด ๐˜ฉ๐˜ช๐˜จ๐˜ฉ๐˜ฆ๐˜ด๐˜ต ๐˜ญ๐˜ฆ๐˜ท๐˜ฆ๐˜ญ ๐˜ด๐˜ช๐˜ฏ๐˜ค๐˜ฆ ๐˜๐˜ฆ๐˜ฃ๐˜ณ๐˜ถ๐˜ข๐˜ณ๐˜บ 2022 ๐˜ฐ๐˜ฏ ๐˜ต๐˜ฉ๐˜ฆ ๐˜ฃ๐˜ข๐˜ค๐˜ฌ ๐˜ฐ๐˜ง ๐˜ข๐˜ฏ ๐˜ข๐˜จ๐˜จ๐˜ณ๐˜ฆ๐˜ด๐˜ด๐˜ช๐˜ท๐˜ฆ ๐˜ณ๐˜ข๐˜ต๐˜ฆ ๐˜ค๐˜ถ๐˜ต ๐˜ฃ๐˜บ ๐˜ต๐˜ฉ๐˜ฆ ๐˜๐˜ฆ๐˜ฅ๐˜ฆ๐˜ณ๐˜ข๐˜ญ ๐˜™๐˜ฆ๐˜ด๐˜ฆ๐˜ณ๐˜ท๐˜ฆ (0.5%), ๐˜ณ๐˜ข๐˜ต๐˜ฆ ๐˜ค๐˜ถ๐˜ต ๐˜ฃ๐˜บ ๐˜ต๐˜ฉ๐˜ฆ ๐˜‰๐˜ข๐˜ฏ๐˜จ๐˜ฌ๐˜ฐ ๐˜š๐˜ฆ๐˜ฏ๐˜ต๐˜ณ๐˜ข๐˜ญ ๐˜ฏ๐˜จ ๐˜—๐˜ช๐˜ญ๐˜ช๐˜ฑ๐˜ช๐˜ฏ๐˜ข๐˜ด ๐˜ฐ๐˜ณ ๐˜‰๐˜š๐˜— (0.25%), ๐˜ต๐˜ฉ๐˜ฆ ๐˜ญ๐˜ฐ๐˜ธ๐˜ฆ๐˜ณ๐˜ช๐˜ฏ๐˜จ ๐˜ฐ๐˜ง ๐˜ต๐˜ฉ๐˜ฆ ๐˜™๐˜ฆ๐˜ด๐˜ฆ๐˜ณ๐˜ท๐˜ฆ ๐˜™๐˜ฆ๐˜ฒ๐˜ถ๐˜ช๐˜ณ๐˜ฆ๐˜ฎ๐˜ฆ๐˜ฏ๐˜ต ๐˜™๐˜ข๐˜ต๐˜ช๐˜ฐ (2.5%), ๐˜ข๐˜ฏ๐˜ฅ ๐˜ด๐˜ต๐˜ณ๐˜ฐ๐˜ฏ๐˜จ ๐˜ง๐˜ฐ๐˜ณ๐˜ฆ๐˜ช๐˜จ๐˜ฏ ๐˜ง๐˜ถ๐˜ฏ๐˜ฅ ๐˜ช๐˜ฏ๐˜ง๐˜ญ๐˜ฐ๐˜ธ๐˜ด ๐˜ณ๐˜ฆ๐˜ค๐˜ฆ๐˜ฏ๐˜ต๐˜ญ๐˜บ.

๐˜›๐˜ฉ๐˜ฆ ๐˜—๐˜ฉ๐˜ช๐˜ญ๐˜ช๐˜ฑ๐˜ฑ๐˜ช๐˜ฏ๐˜ฆ ๐˜š๐˜ต๐˜ฐ๐˜ค๐˜ฌ ๐˜Œ๐˜น๐˜ค๐˜ฉ๐˜ข๐˜ฏ๐˜จ๐˜ฆ ๐˜ช๐˜ฏ๐˜ฅ๐˜ฆ๐˜น (๐˜—๐˜š๐˜Œ๐˜ช) ๐˜ณ๐˜ฐ๐˜ด๐˜ฆ ๐˜ฃ๐˜บ 1.16% ๐˜ฐ๐˜ณ 86.76 ๐˜ฑ๐˜ฐ๐˜ช๐˜ฏ๐˜ต๐˜ด ๐˜ต๐˜ฐ ๐˜ฆ๐˜ฏ๐˜ฅ ๐˜ข๐˜ต 7,554.68 ๐˜ฐ๐˜ฏ ๐˜–๐˜ค๐˜ต๐˜ฐ๐˜ฃ๐˜ฆ๐˜ณ 7, 2024. ๐˜›๐˜ฉ๐˜ฆ ๐˜ฎ๐˜ข๐˜ณ๐˜ฌ๐˜ฆ๐˜ต ๐˜ช๐˜ด ๐˜ฏ๐˜ฐ๐˜ธ ๐˜ค๐˜ฐ๐˜ฏ๐˜ด๐˜ช๐˜ฅ๐˜ฆ๐˜ณ๐˜ฆ๐˜ฅ ๐˜ต๐˜ฐ ๐˜ฃ๐˜ฆ ๐˜ช๐˜ฏ ๐˜ต๐˜ฆ๐˜ค๐˜ฉ๐˜ฏ๐˜ช๐˜ค๐˜ข๐˜ญ ๐˜ฃ๐˜ถ๐˜ญ๐˜ญ ๐˜ฎ๐˜ข๐˜ณ๐˜ฌ๐˜ฆ๐˜ต ๐˜ต๐˜ฆ๐˜ณ๐˜ณ๐˜ช๐˜ต๐˜ฐ๐˜ณ๐˜บ ๐˜ข๐˜ด ๐˜ช๐˜ต ๐˜ช๐˜ด ๐˜ฏ๐˜ฐ๐˜ธ ๐˜ถ๐˜ฑ ๐˜ฃ๐˜บ ๐˜ฎ๐˜ฐ๐˜ณ๐˜ฆ ๐˜ต๐˜ฉ๐˜ข๐˜ฏ 20% ๐˜ง๐˜ณ๐˜ฐ๐˜ฎ ๐˜ต๐˜ฉ๐˜ฆ 52-๐˜ธ๐˜ฆ๐˜ฆ๐˜ฌ ๐˜ญ๐˜ฐ๐˜ธ ๐˜ฐ๐˜ง 6,159.48 ๐˜ญ๐˜ฐ๐˜จ๐˜จ๐˜ฆ๐˜ฅ ๐˜ฐ๐˜ฏ ๐˜‘๐˜ถ๐˜ฏ๐˜ฆ 21, 2024.

๐˜‹๐˜ช๐˜ท๐˜ฆ๐˜ณ๐˜ด๐˜ช๐˜ง๐˜บ๐˜ช๐˜ฏ๐˜จ ๐˜ช๐˜ฏ ๐˜ฅ๐˜ช๐˜ง๐˜ง๐˜ฆ๐˜ณ๐˜ฆ๐˜ฏ๐˜ต ๐˜ข๐˜ด๐˜ด๐˜ฆ๐˜ต ๐˜ค๐˜ญ๐˜ข๐˜ด๐˜ด๐˜ฆ๐˜ด ๐˜ฃ๐˜ฐ๐˜ต๐˜ฉ ๐˜ญ๐˜ฐ๐˜ค๐˜ข๐˜ญ๐˜ญ๐˜บ ๐˜ข๐˜ฏ๐˜ฅ ๐˜จ๐˜ญ๐˜ฐ๐˜ฃ๐˜ข๐˜ญ๐˜ญ๐˜บ ๐˜ณ๐˜ฆ๐˜ฅ๐˜ถ๐˜ค๐˜ฆ๐˜ด ๐˜ฎ๐˜ข๐˜ณ๐˜ฌ๐˜ฆ๐˜ต ๐˜ณ๐˜ช๐˜ด๐˜ฌ ๐˜ช๐˜ฏ ๐˜ฑ๐˜ฐ๐˜ณ๐˜ต๐˜ง๐˜ฐ๐˜ญ๐˜ช๐˜ฐ๐˜ด.

To my existing VUL and MF clients, send me a DM so we can review your risk tolerance and choose the appropriate fund/s for you.

Sun Lifeโ€™s Health & Accident (H&A) Team in collaboration with Roche (Philippines), Inc., invites you to our Health Webin...
03/10/2024

Sun Lifeโ€™s Health & Accident (H&A) Team in collaboration with Roche (Philippines), Inc., invites you to our Health Webinar
on October 4, 2024 (Friday) 10:00AM-12:00NN via Zoom.

Register for FREE: https://sunlife.co/BreastCA_10042024

Weโ€™ve made it easier for you. File your hospitalization (HIB) claim in a few clicks! ๐Ÿ‘‡
11/09/2024

Weโ€™ve made it easier for you.

File your hospitalization (HIB) claim in a few clicks! ๐Ÿ‘‡



Sun Lifeโ€™s Health & Accident (H&A) Team in collaboration with Boehringer Ingelheim (Philippines), Inc. invites you to In...
20/08/2024

Sun Lifeโ€™s Health & Accident (H&A) Team in collaboration with Boehringer Ingelheim (Philippines), Inc. invites you to Interstitial Lung Disease Webinar, our Client Health Webinar on September 6, 2024 (Friday) 10:00AM-12:00NN via Zoom. Register now for FREE ๐Ÿ‘‡
https://sunlife.co/ILD_09062024

Have a great monday everyone Keep going
29/07/2024

Have a great monday everyone

Keep going

๐˜๐˜ง ๐˜บ๐˜ฐ๐˜ถ ๐˜ข๐˜ณ๐˜ฆ ๐˜ต๐˜ข๐˜ฌ๐˜ฆ๐˜ฏ ๐˜ฐ๐˜ถ๐˜ต ๐˜ฐ๐˜ง ๐˜ฑ๐˜ช๐˜ค๐˜ต๐˜ถ๐˜ณ๐˜ฆ ๐˜ต๐˜ฐ๐˜ฅ๐˜ข๐˜บ, ๐˜ฅ๐˜ฐ ๐˜บ๐˜ฐ๐˜ถ ๐˜ต๐˜ฉ๐˜ช๐˜ฏ๐˜ฌ ๐˜บ๐˜ฐ๐˜ถ๐˜ณ ๐˜ง๐˜ข๐˜ฎ๐˜ช๐˜ญ๐˜บ ๐˜ธ๐˜ช๐˜ญ๐˜ญ ๐˜ฎ๐˜ข๐˜ฌ๐˜ฆ ๐˜ช๐˜ต ๐˜ต๐˜ฉ๐˜ณ๐˜ฐ๐˜ถ๐˜จ๐˜ฉ? ๐™‡๐™š๐™–๐™ซ๐™š ๐™ฉ๐™๐™š๐™ข ๐™– ๐™จ๐™–๐™›๐™š๐™ฉ๐™ฎ ๐™ฃ๐™š๐™ฉ. ๐˜ผ ๐™ก๐™ž๐™›๐™š ๐™ž๐™ฃ...
08/07/2024

๐˜๐˜ง ๐˜บ๐˜ฐ๐˜ถ ๐˜ข๐˜ณ๐˜ฆ ๐˜ต๐˜ข๐˜ฌ๐˜ฆ๐˜ฏ ๐˜ฐ๐˜ถ๐˜ต ๐˜ฐ๐˜ง ๐˜ฑ๐˜ช๐˜ค๐˜ต๐˜ถ๐˜ณ๐˜ฆ ๐˜ต๐˜ฐ๐˜ฅ๐˜ข๐˜บ, ๐˜ฅ๐˜ฐ ๐˜บ๐˜ฐ๐˜ถ ๐˜ต๐˜ฉ๐˜ช๐˜ฏ๐˜ฌ ๐˜บ๐˜ฐ๐˜ถ๐˜ณ ๐˜ง๐˜ข๐˜ฎ๐˜ช๐˜ญ๐˜บ ๐˜ธ๐˜ช๐˜ญ๐˜ญ ๐˜ฎ๐˜ข๐˜ฌ๐˜ฆ ๐˜ช๐˜ต ๐˜ต๐˜ฉ๐˜ณ๐˜ฐ๐˜ถ๐˜จ๐˜ฉ? ๐™‡๐™š๐™–๐™ซ๐™š ๐™ฉ๐™๐™š๐™ข ๐™– ๐™จ๐™–๐™›๐™š๐™ฉ๐™ฎ ๐™ฃ๐™š๐™ฉ. ๐˜ผ ๐™ก๐™ž๐™›๐™š ๐™ž๐™ฃ๐™จ๐™ช๐™ง๐™–๐™ฃ๐™˜๐™š ๐™ž๐™จ ๐™– ๐™œ๐™ง๐™š๐™–๐™ฉ ๐™จ๐™–๐™›๐™š๐™ฉ๐™ฎ ๐™ฃ๐™š๐™ฉ ๐™›๐™ค๐™ง ๐™ฉ๐™๐™š๐™ข.

๐˜๐˜ง ๐˜บ๐˜ฐ๐˜ถ ๐˜ฏ๐˜ฆ๐˜ฆ๐˜ฅ ๐˜ฐ๐˜ฑ๐˜ต๐˜ช๐˜ฐ๐˜ฏ๐˜ด ๐˜ธ๐˜ฉ๐˜ฆ๐˜ฏ ๐˜ฃ๐˜ถ๐˜บ๐˜ช๐˜ฏ๐˜จ ๐˜ช๐˜ฏ๐˜ด๐˜ถ๐˜ณ๐˜ข๐˜ฏ๐˜ค๐˜ฆ, ๐˜ด๐˜ฆ๐˜ฏ๐˜ฅ ๐˜ฎ๐˜ฆ ๐˜ข ๐˜ฎ๐˜ฆ๐˜ด๐˜ด๐˜ข๐˜จ๐˜ฆ ๐˜ง๐˜ฐ๐˜ณ ๐˜ข ๐˜ง๐˜ณ๐˜ฆ๐˜ฆ ๐˜ฒ๐˜ถ๐˜ฐ๐˜ต๐˜ฆ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ง๐˜ณ๐˜ฆ๐˜ฆ ๐˜ค๐˜ฐ๐˜ฏ๐˜ด๐˜ถ๐˜ญ๐˜ต๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ.

๐™ƒ๐™–๐™ซ๐™š ๐™– ๐™จ๐™ช๐™˜๐™˜๐™š๐™จ๐™จ๐™›๐™ช๐™ก ๐™ˆ๐™ค๐™ฃ๐™™๐™–๐™ฎ ๐™š๐™ซ๐™š๐™ง๐™ฎ๐™ค๐™ฃ๐™š!

#๐™Ž๐™ช๐™ฃ๐™‡๐™ž๐™›๐™š๐˜ผ๐™™๐™ซ๐™ž๐™จ๐™ค๐™ง
#๐™‡๐™ž๐™›๐™š๐™„๐™ฃ๐™จ๐™ช๐™ง๐™–๐™ฃ๐™˜๐™š
#๐™Ž๐™ช๐™ฃ๐™‡๐™ž๐™›๐™š๐™‹๐™–๐™ง๐™ฉ๐™ฃ๐™š๐™ง๐™๐™ค๐™ง๐™‡๐™ž๐™›๐™š

How to be ๐…๐ˆ๐๐€๐๐‚๐ˆ๐€๐‹๐‹๐˜ ๐‡๐„๐€๐‹๐“๐‡๐˜โœ… ๐๐ซ๐ž๐ฉ๐š๐ซ๐ž ๐Ÿ๐จ๐ซ ๐„๐Œ๐„๐‘๐†๐„๐๐‚๐ˆ๐„๐’Be always โ€œ๐ซ๐ž๐š๐๐ฒ ๐Ÿ๐จ๐ซ ๐ญ๐ก๐ž ๐ซ๐š๐ข๐ง๐ฒ ๐๐š๐ฒ๐ฌโ€ like sudden illness, natural ...
13/06/2024

How to be ๐…๐ˆ๐๐€๐๐‚๐ˆ๐€๐‹๐‹๐˜ ๐‡๐„๐€๐‹๐“๐‡๐˜

โœ… ๐๐ซ๐ž๐ฉ๐š๐ซ๐ž ๐Ÿ๐จ๐ซ ๐„๐Œ๐„๐‘๐†๐„๐๐‚๐ˆ๐„๐’
Be always โ€œ๐ซ๐ž๐š๐๐ฒ ๐Ÿ๐จ๐ซ ๐ญ๐ก๐ž ๐ซ๐š๐ข๐ง๐ฒ ๐๐š๐ฒ๐ฌโ€ like sudden illness, natural calamities, in between jobs/job loss, pandemic / ECQ and even home/car repairs. An emergency fund (3x to 6x your monthly expenses) acts as a ๐’๐€๐…๐„๐“๐˜ ๐๐„๐“ to help finance expenses in the event of emergencies so that you don't have to tap into savings or investments set aside for other purposes.

โœ… ๐†๐ž๐ญ ๐ˆ๐๐’๐”๐‘๐„๐ƒ
While some events can be handled by our emergency fund, there are 2 major events that will need a different kind of financial solution. When ๐ƒ๐„๐€๐“๐‡ or ๐‚๐‘๐ˆ๐“๐ˆ๐‚๐€๐‹ ๐ˆ๐‹๐‹๐๐„๐’๐’ strikes, it is inevitable that our lives, and that of our loved ones, will be disrupted financially. For this reason, we must secure an insurance coverage so that there will be funds available to cushion the financial impact caused by these unexpected events.

โœ… ๐ˆ๐๐•๐„๐’๐“
Make money earn more. When saving is done consistently, then there will be excess savings that need to be invested elsewhere so that you can make your money earn more than the bank deposits. Have a ๐ฐ๐ž๐ฅ๐ฅ-๐›๐š๐ฅ๐š๐ง๐œ๐ž๐ ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐ฆ๐ž๐ง๐ญ ๐ฉ๐จ๐ซ๐ญ๐Ÿ๐จ๐ฅ๐ข๐จ so you can be financially ready for all the milestones (e.g. getting married, children's education, travel to dream destination, own a vehicle/property, start a business, pursue a passion, retirement) throughout your lifetime.

Need help to jumpstart your ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐‡๐ž๐š๐ฅ๐ญ๐ก? ? PM me for ๐…๐‘๐„๐„ ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐๐ฅ๐š๐ง๐ง๐ข๐ง๐ .

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Cagayan De Oro

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