Financial Coach Nette

19/07/2024

YOLO vs YALO!!!
You only lived once but you also grow old😅

YOLO also means that you should think and plan for your retirement because living your best life doesn’t stop after you retire.

23/10/2023

Retirement planning is a journey that requires foresight, strategy, and the right tools in your financial toolkit. Life insurance, often overlooked, can play a pivotal role in shaping a perfect retirement plan. Here are 4 points on how life insurance fits into your retirement landscape:

1. Financial Security
Protects your family from loss of retirement income, ensuring your spouse's consistent standard of living.

2. Accumulation of Cash Value
Certain policies, like whole life, grow cash value over time, offering a supplementary income source during retirement.

3. Tax Benefits
The death benefit is often tax-free for beneficiaries, and premiums can grow tax-deferred, boosting their growth potential.

4. Estate Planning
Facilitates efficient wealth transfer to heirs and can help in covering potential estate taxes.

Incorporating life insurance in your retirement plan offers not only peace of mind but strategic financial advantages.

If you are wondering how life insurance can fit into your retirement plan, consider chatting with a financial advisor. They can provide a clearer picture and make a plan that suits your needs.

20/01/2023

I've just reached 100 followers! Thank you for continuing support. I could never have made it without each one of you. 🙏🤗🎉

05/11/2022

Para sa pangarap natin!

18/09/2022

Keep in mind: self-care is important for your health and mental wellness. You deserve a break! 💚 Happy Sunday!

18/08/2022

Make Everyday Better!

10/06/2022

WORTH READING. 💚

A father told his daughter, “Congrats on your graduation. I bought you a car a while back. I want you to have it now.”

Before I give it to you, take it to a car dealer in the city and sell it. See how much they offer.”
The girl came back to her father and said: "They offered me $10,000 dollars because it looks very old"

Father said: "Ok, now take it to the pawn shop".
The girl returns to her father and said: "The pawn shop offered $1,000 dollars because it's a very old car and a lot of work done".

The father told her to join a passionate car club with experts and show them the car. The girl drove to the passionate car club. She returned to her father after a few hours and told him, “Some people in the club offered me $100,000 dollars because its a rare car that's in good condition.”

Then the father said, "I wanted to let you know that you are not worth anything if you are not in the right place. If you are not appreciated, do not be angry, that means you are in the wrong place. "Don't stay in a place where no one sees your value ."

Know your worth and know where you are valued. A diamond doesn't shine on the bottom of a cave. 💚

08/06/2022

Yes, you need to enjoy the fruit of your labor pero 'wag ubos biyaya.

The 𝐁𝐈𝐆𝐆𝐄𝐒𝐓 Financial Literacy Summit is back again this year with the theme "Financial Resiliency", on 𝐉𝐮𝐧𝐞 𝟏𝟕-𝟏𝟖, 𝟐𝟎𝟐𝟐. Get to know more about mastering financial resilience through an understanding of Personal Finance, Entrepreneurship, Investment, eCommerce, Real Estate, Insurance, and many more from thought leaders, practitioners, and experts.

Secure your slot and don't miss the chance to join this year's FinLit Summit. It’s not yet late! Register now for 𝐅𝐑𝐄𝐄: www.tgfiph.com/finlit2022

08/06/2022

Bakit nga ba hindi itinuturo sa paaralan ang tungkol sa paghawak ng pera? Ang daming itinuturo pero isa sa mga kailangan talagang matutunan ay ang pag-handle ng pera.

In this blog, let me share with you the negative statements that most unsuccessful people say and how we can change these so we can’t be like them.

Bilang magulang kailangan din na tayo na mismo ang magturo kung paano alisin sa isipan ng ating mga anak ang paniniwala na mahirap maging mayaman.

First statement:

“I CAN’T DO THAT.”

Maaaring hindi tayo expert sa area na ito, pero may ibang mga tao na maaaring makatulong sa atin para magawa ang isang bagay.

Instead of saying I can’t… we ask: How? How can I do that?
Kailangan eager tayong matutunan kung paano malaman ang mga paraan para maabot natin ang gusto natin.

Hindi pwede na nag-aantay na lang tayo na ituro sa atin ang mga bagay, kailangan ay may kusa rin tayo na alamin kung paano madadagdagan ang ating kaalaman.

Huwag nating hayaan na pinapag-aral lang natin ang ating mga anak para maging habang buhay na empleyado. They can go up and they can even become an entrepreneur.

Avoid saying:

“I CAN’T AFFORD THAT.”

“Eh Chinkee hindi naman talaga namin afford bumili nun eh.”

Then, ask…
How can we afford that?
Paano nga ba?

Kung tulala na lang tayo lagi at lagi na lang magtataka kung bakit lahat ng mga kakilala natin ay umuunlad ang buhay at tayo na lang ang hindi, then may mali na.

We need to learn how to plan and how to budget. Hindi pwede na laging nagtataka tayo kung saan napunta ang pera natin buwan-buwan.

We need to be consistent din. Kung gusto natin ng pagbabago at pag-unlad sa sarili, dapat alam natin kung paano ang tamang hawak sa pera.

Kung dati na 10K ang sweldo natin, patong-patong ang utang, ngayon na 20K na ang sweldo natin, puro utang pa rin? Bakit? Anyare? Hahaha..

So never say

“I DON’T HAVE TIME.”

“Wala akong time pag-aralan ‘yan.”
“Waste of time lang kung gagawin ko ‘yan.”

Usually, we make excuses din kasi kapag naiisip natin na mahabang proseso. Gusto natin easy money agad. Gusto natin sure na agad.

But we know the truth!
Walang nagiging successful ng biglaan or overnight lang. Kailangan ng persistence and dedication.

May mga pagkakataon na maaaring magkamali tayo kaya kailangan, buo ang loob natin sa ating papasukin. We should invest sa mga bagay na alam natin.

Kung magaling ka sa drawing, then invest more kung paano mo mas mapauunlad ang skills mo para mas magamit mo ito sa mas magagandang opportunities.

“Never doubt yourself and think poor because you can be a good entrepreneur.”
– Chinkee Tan, Filipino Motivational Speaker

THINK. REFLECT. APPLY.

1. Sa anong larangan ka magaling at mas hilig mong gawin?
2. Anu-ano ang mga seminars o trainings ang napuntahan mo?
3. Paano mo pa mas mapauunlad ang iyong sarili?