Ralph Financial Educator

21/10/2020

Planning and Setting a Goal For Retirement is Important because it determines how your lifestyle would be when you finally Retire and Stop Working.

You Have a Choice, you can either be a Blessing to your Children when you grow old or you can be a Burden

Remember Whenever you ask Money from your Children, you're getting Money from your Grand kids.

Be sure to Plan for your future Before its Too Late

18/08/2020

" Busy ako eh, saka na lang.May dapat tapusin para sa trabaho eh".

People refuse your help because they are too busy with their life's struggles. What they don't realize is you are giving them the solution to their hardship. Sometimes pride makes us work harder. When a friend is offering you something new try to listen, learn and apply it.

Who knows, the Lord might sending you the person who could bring the answer to your prayers and yet your ignoring it because you're too busy. Don't let the opportunity slips away.

ctto

17/08/2020

Nowadays.. Not everyone you talk to will understand what you are doing, what you usually encounter:

1. I still have no money
2. I will save more
3. My husband doesn't like it
That's 4. scams
5. That's not my line
6. Come back to me when you earn already
7. I'm busy, I don't have TIME
8. I'll think about it
9. SEEN mode!!

But there are people who are.

1. I like that, teach me
2. I will make a way to start.
3. Teach me because I'm so tired of working, I don't have savings..
Every day going to school early, going home at night, you spent your whole life at work, then your BOSS will ask you.. then when OT, there is no PAYMENT!
Every day you're stressed...
Going to school every day even if it's stormy and flooding, THEN THE SALARY IS LOW, It's not worth it to your tiredness.
4. My kids are growing up, nothing
I can still save.. receipt only many.
5. I want extra income.

🔴 People think differently, not all of you can say yes, but I'm sure someone will say YES there. ✅ ✅

🔴 I will talk to anyone there, it's okay for me. The important thing is that I can reach the BLESSINGS that I am experiencing right now and I have been a blessing to other people. 😍 😍

❤️...Always Be a BLESSING to others.

Ctto

05/08/2020

Diskarteng CHITO, Diskarteng PAROKYA
At the age of 20 i decided to get my own insurance policy.
At the age of 22, i got my own healthcare insurance.
At the age of 23, i started investing in mutual fund and stock market.
At the age of 25, i also started my st peter plan.
At the age of 26, i got another investment thru PAG-IBIG.
At the age of 27, i joined another way to increase my source of income.

📌Upgrade your financial life and become your own Financial Educator
📌Join our community
📌Join our 30M2030 Campaign

ctto

05/07/2020

Bakit ang kulit kulit namin? Paulit ulit nalang.
Yes po hindi kami hihinto kasi we believed na hindi namin kayo ipapahamak kundi gusto lang namin kayo gisingin sa katotohanan. Para daw kaming "alarm clock" 😛😊😊

Isipin po natin working abroad is not Forever 🤔
5,10,15,20 years from now sigurado hindi na kasinlakas katawan mo compared today. 😔

Sa ayaw at gusto mo tatanda ka next year. Dadating ang araw na magreretiro ka sa trabaho mo. Kung di ka maghahanda ngayon kelan?

May ipon ka na... Pwede!
May mga solid investment din.. Maganda! Sa palagay mo kasya talaga yan pagtanda mo? In case nagkasakit ka ng grabe kaya ba suportahan ng ipon mo?

Ipon is not just enough!! Learn how to accumulate ang ipon mo... Let money work for you para pagtanda mo pera mo na magtatrabaho para sa iyo.

Ito pa... Marahil iba iniisip mo sa ginagawa namin... Every day meron po kaming Free training para mabago pananaw mo at para matotonan mo din kung ano natutunan namin at bakit kami hindi masiyado naapektuhan ng Pandemic na nag daan.
http://163867ph.imgcorp.com/https://163867ph.30m2030.com/

02/07/2020

𝗜𝗻 𝗤𝗨𝗔𝗥𝗔𝗡𝗧𝗜𝗡𝗘: 𝘢 𝘛𝘢𝘴𝘵𝘦 𝘰𝘧 𝘙𝘦𝘵𝘪𝘳𝘦𝘮𝘦𝘯𝘵 𝘠𝘦𝘢𝘳𝘴

⚠️ 𝗡𝗼 𝗪𝗼𝗿𝗸. 𝗡𝗼 𝗣𝗮𝘆.
⚠️ 𝗬𝗼𝘂𝗿 𝗶𝗻𝗰𝗼𝗺𝗲 𝘀𝘁𝗼𝗽𝘀 𝗯𝘂𝘁 𝘆𝗼𝘂𝗿 𝗲𝘅𝗽𝗲𝗻𝘀𝗲𝘀 𝗰𝗼𝗻𝘁𝗶𝗻𝘂𝗲

How comfortable are you and your family during the quarantine?

Imagine quarantine period as your retirement: No Work No Pay. Quarantine lasts for weeks. Retirement will last for years.

𝙒𝙞𝙡𝙡 𝙮𝙤𝙪 𝙡𝙞𝙫𝙚 𝙖 𝙘𝙤𝙢𝙛𝙤𝙧𝙩𝙖𝙗𝙡𝙚 𝙡𝙞𝙛𝙚 𝙙𝙪𝙧𝙞𝙣𝙜 𝙧𝙚𝙩𝙞𝙧𝙚𝙢𝙚𝙣𝙩 𝙤𝙧 𝙬𝙞𝙡𝙡 𝙮𝙤𝙪 𝙙𝙚𝙥𝙚𝙣𝙙 𝙤𝙣 𝙮𝙤𝙪𝙧 𝙧𝙚𝙡𝙖𝙩𝙞𝙫𝙚𝙨, 𝙘𝙝𝙞𝙡𝙙𝙧𝙚𝙣, 𝙤𝙧 𝙩𝙝𝙚 𝙜𝙤𝙫𝙚𝙧𝙣𝙢𝙚𝙣𝙩 𝙩𝙤 𝙨𝙪𝙧𝙫𝙞𝙫𝙚?

May the quarantine period be a time for Filipinos to reflect:

▪️Is saving for emergency fund necessary?
▪️Will you have a comfortable future if you don't prepare for it?
▪️Can your children guarantee support your needs during old age ?
▪️Can the government provide you with everything you need when you are old?

Reflect. Understand. Take action.

Your future is your responsibility. 💙💚

To learn more about proper way managing money, spare some time, inbox me😊

27/06/2020

Procrastination journey...
Disclaimer - not my personal experience...

👇👇👇

I saw a post about how to get out of poverty, manage finances and protect the family against uncertainties. These concepts made sense, but "duh, blah! blah! blah!"

After 5 years of working, I am dissatisfied, tired, no savings, lots of debts and still struggling, saw another post about learning how to manage finances but my pride was holding me back cos "why should I listen to someone like her, I am a professional with lots of titles."

After a year, she dared to message me inviting me to a financial literacy class. I seen-zoned her. But she kept on pursuing her invitation. I made up excuses because she was so annoying.

After a year, I still saw the same kinds of posts and she was still sending invitations and I realized, I am not going anywhere with my current situation, and soften a bit saying to myself "why not give this a try".

I listened to the talk and all she said was correct. I don't have any savings and I don't know where all my money went. I realized "I do need to save because I am not getting any younger."

But I couldn't give up my luxuries, my Starbucks coffee, my branded clothes, so I ignored my realization and procrastinated saving for my health and my future because I was still capable and healthy anyway. Saving for my future can wait.

After a year, I got diagnosed with kidney failure, I needed to do regular dialysis, I didn't have any money and my debts piled up like hell. I remembered her. I approached her and asked if I could get a healthcare program but she said I am not eligible anymore to get one because I am already sick.

Lesson: I declined healthcare and savings because I was healthy. Now, healthcare declined me because I am sick and I couldn't save a single cent because I have lots of debts.

"Fix the roof while the sun is still shining."

22/06/2020

Whether Mother's Day or Father's Day... as parents, have we adequately protected our family in cases of emergency?

What happens to the family when the breadwinner gets sick?

What happens to the family when the breadwinner dies too soon?

If nobody's there to support the family, what would stop the family from experiencing a difficult life?

They say hope for the best and prepare for the worst. Have we prepared for the worst or do we just keep hoping for the best?

22/06/2020

Pay off debt by developing 20 good habits.
source: developgoodhabitscom

01/06/2020

In your RETIREMENT NEST, the major cause of breakdown is MEDICAL EXPENSE.

Build a strong LONGTERM HEALTHCARE first so when we get old - it would be less of a burden for our kids..

28/05/2020

Build it STRONG 💪

✅ Protect your Investments by building it right.
Build it from ground up. Make money work for you.

✅ Build an Emergency Funds (3-6 Months of your Monthly Salary) for times like this (Lockdown).You can't predict what will happen in the future

✅ Manage your Bad Debts. It could turn into a disease, it could diminish your happiness.

✅ Love your family beyond eternity, protect yourself, get enough Insurance Coverage

✅ Get Long-term Healthcare, you will need it most when you retire. Get short Term Healthcare, Life Insurance can't be used in your Hospital Bills.

K N O W Y O U R P R I O R I T Y

25/05/2020