Ma. Cristina Aguilar - Finance and Investment Consultant

04/10/2020

OFW Journey is not forever. We should take advantage of it by preparing for our future and retirement. Kung umalis kang puno ng utang, dapat uuwi kang puno ng ipon. Know how to handle your money properly. Pinaghirapan mo yan. Pati oras at panahon para sa pamilya mo sinakripisyo mo. Wag kang pumayag na walang mangyari sa buhay mo after 20-30 years of working abroad. Kung di mo mapapalago ang pinaghirapan mo, sinayang mo lng pagod at panahon. At di mo na maibabalik ang mga un.

Be educated. Avoid scams. Save and invest. How? Attend our free webinars on financial education! Message me for schedule and registration.

WHILE THE MARKET IS DOWN! ITS THE PERFECT TIME TO INVEST! 💰

The start of the GCQ will be the start of the STOCKS going up again!!! 💹

Stock Market Investment Webinar + Short Financial Planning📈📊

📌October 9, 2020; Friday; 7 pm via Zoom

Limited Slots Only. Message me immediately to avail your FREE SLOTS!

29/09/2020

25/09/2020

INCOME - SAVINGS = EXPENSES

Credits to the owner 😊

23/09/2020

Relate ka ba dito?
Kapatid, kailangan mo ng Financial Literacy class😊

22/09/2020

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."

Ctto.

19/09/2020

𝟓 𝐭𝐢𝐩𝐬 pano mag prepare for 𝐌𝐞𝐝𝐢𝐜𝐚𝐥 𝐇𝐞𝐚𝐥𝐭𝐡 𝐂𝐫𝐢𝐬𝐢𝐬?? 💉 🏥 👨‍⚕️

Bakit ba kailangan mag prepare? Simple lang ang sagot jan, kasi pag nag kataong mag kasakit ka, lalo na ung mga "Critical I'llness" siguradong mahihirapan ka financially.

Gaya ng iba, lahat ng mga naipon mo, mga naipundar mo at ari-arian mo ay UBOS YAN! FORE SURE!! 😱 😱 😱.

It can happen to me, it can happen to others and it can happen to you! At ang malupit jan hindi natin alam kung kelan at paano.

So bibigyan kita ng 5 TIPS pano tayo makaka pag prepare financially!

𝟏. 𝐏𝐫𝐞𝐯𝐞𝐧𝐭𝐢𝐨𝐧 𝐢𝐬 𝐛𝐞𝐭𝐭𝐞𝐫 𝐭𝐡𝐚𝐧 𝐜𝐮𝐫𝐞 - para maiwasan ang sakit eh mag exercise, kumain ng healthy, iwasan ang stress at mag take ng vitamins.

𝟐. 𝐆𝐞𝐭 𝐏𝐡𝐢𝐥𝐇𝐞𝐚𝐥𝐭𝐡 - well this is a start, it will pay 5-10% of your bills but not all. Well sana lang di ma bangkarote ang philhealth dahil sa corruption.

𝟑. 𝐏𝐫𝐞𝐩𝐚𝐫𝐞 𝐌𝐞𝐝𝐢𝐜𝐚𝐥 𝐂𝐚𝐬𝐡 𝐅𝐮𝐧𝐝- mag tabi ng 5-10% ng income mo para sa mga emergencies, lalo na if wala kang insurance.

𝟒. 𝐆𝐞𝐭 𝐇𝐌𝐎 - eto ung mga health card na will cover at least 100K of your medical expenses per illness. Mahal to kung kukunin mo individually pero if your employer has this, mag avail kana.

𝟓. 𝐆𝐞𝐭 𝐂𝐫𝐢𝐭𝐢𝐜𝐚𝐥 𝐈'𝐥𝐥𝐧𝐞𝐬𝐬 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 - sobrang importante neto kasi mga sakit ngayon mag miminimum kana ng Php 500,000.00 eh pano kung wala kang insurance? San mo to kukunin? Ang hirap mag maka awa sa mga kapitbahay at kapamilya mo. You will be a burden to them! 😢

Pero ang tanong dito, "Ej eh wala akong budget jan." Well, masuwerte ka coz will give your more TISP kung paano makaka pag simula kahit kulang ang budget or kahit ng uumpisa kapa.

We'll do FREE WORKSHOP with a Medical Doctor and Professional Planners kung pano moto magagawa.

Just Comment below "HOW". 👇👇👇

18/09/2020

𝙎𝙏𝙊𝘾𝙆 𝙈𝘼𝙍𝙆𝙀𝙏 HAS EXTREMELY DROP!! 😱😱😱

This is the "BEST TIME" to invest in the stock market!!
Investing now when the market is extremely low is like buying stocks at the price from 5-10 years ago! 😱

HURRY! Because you might miss this opportunity!!!

No idea on how to invest?!

NO WORRIES!! I got your back

Investing has 2 types.

Direct and Indirect.
Active investing - is when ikaw yung bumibili mismo ng stocks from companies. Ikaw ung mismong magse-set up ng account mo, magmo-monitor ng stock market almost every day.
On the other hand.

Passive Investing - meron tayong tinatawag na Fund Manager. Siya ang magma-manage ng funds mo and siya din ang magde-decide saan pinakamagandang companies ilagay ang pera mo para mag-grow siya.

Dahil busy ako my best choice is the Passive investment!

COMMENT below ng "HOW" para malaman eto at pano👇👇👇

12/09/2020

IN REALITY SAVING MONEY IS MORE IMPORTANT THAN EARNING MORE: WHY???
Ano ba ang ginagawa at itinuturo sa Financial Literacy Program at bakit sobra kaming passionate na eshare ito sa inyo😍

💭To SAVE : Kahit gaano kalaki ang kita mo bale wala kung hindi rin nakakaipon

💭TO INVEST: Bale wala ang ipon mo kung hindi mo naman mapapalago sa tamang investment

💭TO GROW: Bale wala naman ang investment mo kung hindi sa correct, safe at legal na investment na mas malaki amg interest kumpara sa bangko.

💭TO PROTECT: Bale wala din ang investment mo kung hindi protektado sa Inflation, tax at lalo na sa scam, at ito ay pinagaaralan paanong paraan, kaya dapat talaga ay continues education dahil ang pagpapayaman ay isang proseso at hindi madalian

💭TO TRANSFER: Bale wala ang yaman mo kung hindi mo rin maipapasa o maipapamana ng Tama, kaya dapat alam mo ang Estate Planning at wealth preservation dahil baka mawala lang ang pinaghirapan mo dahil sa estate tax at maaring maging sanhi pa ng pagkakagulo ng iyong pamamanahan.

Alam mo na ba ang lahat na ito? Kung hindi pa, pwede pang magsimula para makaipon, makapaginvest, makapagpalago at protektahan ang iyong yaman para sa kinabukasan ng iyong pamilya...

😀Some of OFW earn more money but when they come back home, everything is Lost.✌️

😀I am here to teach you how to build up a strong financial foundation.

A) Understand how money works... and how money works for you...

😎 A lot of people they know how to work with the money But a lot of people don't let money work for them
If you want to learn more about this just send me a message , I will surely guide you:

For more details visit us www.fwd.com.ph

12/09/2020

What is VUL? 🤔
🍁VUL stands for Variable Universal Life. It is a life insurance plan that offers both protection with investment (known as fund value) which is directly related to the performance of the investment needs chosen by the client.
🍁As a life insurance, it gives you and your family a guaranteed amount in case of unfortunate events. At the same time, it also offers an investment where a portion of premium payments is invested in your chosen investment funds.
🍁It is a combination of death and living benefits - meaning it’s not only your loved ones who can enjoy its benefits, but also YOU 🙂

🔥Wanna know more of it? Feel free to send a MESSAGE and i'll be happy to help you. 😍

11/09/2020

𝐒𝐓𝐎𝐂𝐊 𝐌𝐀𝐑𝐊𝐄𝐓 𝐈𝐒 STILL 𝐎𝐍 𝐒𝐀𝐋𝐄!!! 🤬😱

“In the midst of every crisis, lies a great opportunity.”

Investing now when the market performance is low is like buying stocks at the price from 5-10 years ago!

After this pandemic, there is no way but ⬆️ at minsan lang magiging ganito kababa ang presyo!

Babangon muli ang ekonomiya at mapag-iiwanan ka naman. You don't want to miss this opportunity again, right?

Investing has 2 types:

𝐃𝐢𝐫𝐞𝐜𝐭 𝐚𝐧𝐝 𝐈𝐧𝐝𝐢𝐫𝐞𝐜𝐭.

Direct investment ay ikaw 'yung bumibili mismo ng stock shares from companies. Ikaw mismo ang magse-set-up ng account mo sa isang stock broker, magmo-monitor ng stock market almost week day at kailangan din aralin ang iba't ibang strategy. Kaya mo ba ito?

Sa Indirect o Passive Investment naman, meron tayong tinatawag na Fund Manager. Siya ay eksperto at nag aasikaso ng lahat ng BUY and SELL transactions. Siya na din ang nagdedesisyon kung saang business sector ilalagay ang pera mo para lumago ito lalo.

I used the Indirect Investment strategy for a long time. Ibig sabihin, meron nang nagma-manage ng money ko and hindi ko na rin need mag-monitor every day. I can now focus what really matters to me at this moment.

𝐂𝐨𝐦𝐦𝐞𝐧𝐭 "𝐇𝐎𝐖" 𝐛𝐞𝐥𝐨𝐰. 👇👇👇

10/09/2020

Your health is your greatest asset. You need energy and strength to carry out your life’s greatest purpose—secure the future of your family. Financially protect yourself from health risks with pan-Asian insurer FWD Insurance’s Set for Health, a critical illness life insurance plan that covers you against 42 major and 15 minor illnesses, with up to three unrelated critical illness claims!
Plus, if you stay healthy until age 75, you get all your money back! Check out Cali, bit.ly/CaliForSetForHealth, FWD’s online calculator, to know how much you need to invest to secure your health and your family’s future today!

Cristina Aguilar
FWD Financial Planner

Attend our zoom session on SEPTEMBER 13 sunday 7PM, FREE SLOT FINANCIAL planning
To know more about stock market / invesment
Credits to mr chinkeetan 😊