MY PRU

18/01/2024

Pamilyar ka ba sa 28,000 days?

28,000 day is the average days na nabubuhay ang isang tao. Sa unang part nito ay ang,
🔹age 0-20 na ang ginagawa mo ay nag lalaro, nag aaral at nag e enjoy lang sa buhay walang iniisip na responsibilidad.
🔹Age 20-40- by this time maaaring naka graduate kna, meron ka ng work, kotse, bahay o negosyo at sariling pamilya.
🔹Age 40-60- by this time maaaring may bago ka ng trabaho, nakabili ng pangalawang kotse, nagkaron ng bagong negosyo, nagka anak and sa time na to pwede ding ung mga anak mo is patapos na sa unang phase ng buhay nila which is the age of 0-20.
🔹Age 60-80- eto ang last part ng average time na nabubuhay ang isang tao o nakapag retiro na at hindi na nag wowork. nag eenjoy nlng kasama ang mga mahal sa buhay.

Kung I sa summarize mo halos kalahati ng buhay mo ang walang income. which is the first and last phase.
At ung other half naman ung meron kang income para makamit mo ung mga goal mo sa buhay which is the 2nd and 3rd phase.

Now let me share this 5 common fears in life.
1. Makakapag work ka ba until age 60? Paano kung age 40 palang magkasakit kna? Anong mangyayari sa pamilya mo?
2. Sapat ba ang savings mo para mapagtapos mo ng pag aaral ang mga anak mo?
3. Aabot ka ba sa age 60?
4. Paano mo mapapalago at mapoprotektahan ang naipon mo?
5. How much is enough? Sapat ba ang ipon mo for for your financial needs pag nag retiro kna?

Sa pagkuha mo ng insurance masusulusyunan nito ang 5 fears in life. Tutulungan kitang planuhin ang financial goals mo, Kaya tara usap tayo. Remember " it's better to be ready than sorry"

Retchelle Rubi
Licensed Financial Advisor
09276556618

28/11/2023

I can give you free financial consultancy ….pm me to give you details

22/11/2023

𝐃𝐨 𝐲𝐨𝐮 𝐤𝐧𝐨𝐰 𝐰𝐡𝐲 𝐩𝐞𝐨𝐩𝐥𝐞 𝐚𝐫𝐞 𝐫𝐮𝐬𝐡𝐢𝐧𝐠 𝐭𝐨 𝐛𝐮𝐲 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐫𝐞𝐜𝐞𝐧𝐭𝐥𝐲?🔥

A few days ago, I got a call from a client telling me that he wanted to buy insurance for his family and himself right now.

I asked him, “Why? What happened?”

He said, “The recent tough situation has made me realized I have too much risks which I cannot take and I’m not willing to take. So I want to transfer it out via insurance. I also want to 𝐦𝐚𝐤𝐞 𝐬𝐮𝐫𝐞 𝐢𝐟 𝐚𝐧𝐲𝐭𝐡𝐢𝐧𝐠 𝐡𝐚𝐩𝐩𝐞𝐧𝐬 𝐭𝐨 𝐦𝐞, 𝐦𝐲 𝐟𝐚𝐦𝐢𝐥𝐲 𝐢𝐬 𝐜𝐨𝐯𝐞𝐫𝐞𝐝. Could you help me with that?”

Now if you are not in the insurance industry, you might be thinking, what just happened?

===𝐖𝐞𝐥𝐥, 𝐡𝐞𝐫𝐞’𝐬 𝐬𝐨𝐦𝐞𝐭𝐡𝐢𝐧𝐠 𝐲𝐨𝐮 𝐬𝐡𝐨𝐮𝐥𝐝 𝐤𝐧𝐨𝐰..===

😱There is actually something money can’t buy, that is an insurance policy.

😱Insurance is purchased with 2 things, health and age.

😱If at the time of buying the insurance, you’re not healthy, you won’t be allowed to buy insurance.

😱Also, as you grow older, the insurance premium you pay actually gets more expensive.

So if an advisor comes to you today and tell you, “Hey, let's see if we can get you covered?”

=== 𝐇𝐞𝐫𝐞 𝐢𝐬 𝐰𝐡𝐚𝐭 𝐲𝐨𝐮 𝐜𝐚𝐧 𝐝𝐨 ===

✅𝐀𝐬𝐤 𝐲𝐨𝐮𝐫𝐬𝐞𝐥𝐟 𝐢𝐟 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞 𝐞𝐧𝐨𝐮𝐠𝐡 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 - If you are not sure, talk to an advisor to find out about it.

✅𝐈𝐟 𝐲𝐨𝐮 𝐝𝐨𝐧’𝐭 𝐡𝐚𝐯𝐞 𝐚𝐧𝐲 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞, 𝐜𝐡𝐞𝐜𝐤 𝐰𝐢𝐭𝐡 𝐡𝐢𝐦/her 𝐢𝐟 𝐲𝐨𝐮 𝐜𝐚𝐧 𝐬𝐭𝐢𝐥𝐥 𝐩𝐮𝐫𝐜𝐡𝐚𝐬𝐞 𝐢𝐭 𝐰𝐢𝐭𝐡 𝐲𝐨𝐮𝐫 𝐜𝐮𝐫𝐫𝐞𝐧𝐭 𝐚𝐠𝐞 𝐚𝐧𝐝 𝐡𝐞𝐚𝐥𝐭𝐡 𝐜𝐨𝐧𝐝𝐢𝐭𝐢𝐨𝐧s - at least make sure you can still buy insurance.

✅𝐈𝐟 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐟𝐮𝐥𝐥𝐲 𝐜𝐨𝐯𝐞𝐫𝐞𝐝 𝐠𝐫𝐞𝐚𝐭 - spend time finding out if those people you care about are fully covered, if not advise them to and be their guide.

✅𝐈𝐟 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭 𝐭𝐨 𝐭𝐫𝐲 𝐭𝐨 𝐟𝐢𝐠𝐮𝐫𝐞 𝐨𝐮𝐭 𝐡𝐨𝐰 𝐦𝐮𝐜𝐡 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐲𝐨𝐮 𝐧𝐞𝐞𝐝 -ask your advisor to send you a copy of the “𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐏𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐁𝐨𝐨𝐤”. Read it to find out more about insurance yourself.

Remember, insurance serves to give you and your loved ones a peace of mind. Get yourself covered as early as you can, 𝐛𝐞𝐜𝐚𝐮𝐬𝐞 𝐩𝐫𝐞𝐦𝐢𝐮𝐦𝐬 𝐰𝐢𝐥𝐥 𝐨𝐧𝐥𝐲 𝐠𝐞𝐭 𝐦𝐨𝐫𝐞 𝐞𝐱𝐩𝐞𝐧𝐬𝐢𝐯𝐞 across time.

Every professional financial advisor knows that premium will ONLY get more expensive across time, that is why some are rushing to meet you during this period of time.

21/11/2023

THE TOXINS OF THE HOUSE ARE:
1. Objects You No Longer Use.
2. Clothes You Don't Like Or Haven't Used In A While. Damaged underwear.
3. Broken Things.
4. Old cards and notes.
5. Plants that are dead or sick.
6. Receipts and Old Magazines.
9. Shoes Broke.
7. Stuff of all kinds calling the past.
8. If you have children, toys that are not used, that do not work or broken.
WITH CLEANING THEM OUT:
1. Health gets better.
2. Creativity grows.
3. Relationships get better.
4. There is greater reasoning capacity.
5? Improved mood.

QUESTIONS THAT MIGHT HELP CLEANSING:
- Why am I saving that?
- Is it about me today?
- How will I feel if I release that?
Separate and classify:
1. To donate.
2. To throw.
3. To sell.
INSIDE CLEANING REFLECTED OUTSIDE.
1. Avoid extreme noises.
2. Less strong lights.
3. Less saturated colors.
4. Less chemical odors.
5. Less sad memories.
6. Finish unfinished projects.
7. Cultivate positive energy in your home.

Do a general cleaning and use boxes for organization. Start with drawers and cabinets and conclude each piece, do everything at your pace...
a) Trash.
b) Arrangements.
c) Recycling.
d) In doubt.
e) Gifts.
(f) Donation.
g) Sell.

As you CLEANSE, watch what changes in you.
As we clean our physical house, we also place order to our mind and heart.
Practice detachment with material things that just fill your space and you'll see how you'll slowly be able to do the same with more momentous situations.
Blessed be for you always

ctto

🙏❤️

21/11/2023

"Minsan nga hesitant pa ko mag pm sau."

Pero, iniisip ko na lang ...

"𝐏𝐚𝐚𝐧𝐨 𝐤𝐮𝐧𝐠 𝐰𝐚𝐥𝐚 𝐬𝐢𝐲𝐚𝐧𝐠 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞?"

Kaya ayun... Nag chat chat na ko kagad sayo.

I've seen a lot before na nag pass the hat para lang may maabot sa kasama sa trabaho na may malalang sakit....🥺
Ang hirap nun. mabigat.

Kaya if ever mag pm man ako sau,
Concerned lang ako.

Kaya if I ever pmed you and asked if
" Can I share you about Financial Planning?"...

Please do, spare some time.
Malay mo, this might help you in the future.

19/11/2023

🌟 𝐏𝐫𝐨𝐭𝐞𝐤𝐬𝐲𝐨𝐧 𝐬𝐚 𝐏𝐚𝐦𝐢𝐥𝐲𝐚: Peace of mind para sa'yo at sa mahal mo sa buhay. 💖 Walang worry sa gastusin kahit biglaan ang pangyayari.

💰 𝐌𝐚𝐬 𝐌𝐚𝐛𝐚𝐛𝐚𝐧𝐠 𝐏𝐫𝐞𝐦𝐢𝐮𝐦: Mag-save habang bata pa! 🚀 Mas affordable ang life insurance sa murang edad, kaya't huwag nang magdalawang-isip.

📈 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐎𝐩𝐩𝐨𝐫𝐭𝐮𝐧𝐢𝐭𝐲: Hindi lang basta proteksyon, investment pa! 💹 Ang life insurance ay pwede ring maging paraan para mag-grow ang pera mo.

🛡️ 𝐒𝐞𝐜𝐮𝐫𝐢𝐭𝐲 𝐬𝐚 𝐏𝐚𝐧𝐠𝐚𝐫𝐚𝐩: I-secure ang future goals! 🎓💼 Ang life insurance ay hindi lang pang unexpected moments, kundi pang pangarap mo rin.

💪 𝐇𝐞𝐚𝐥𝐭𝐡 𝐂𝐨𝐯𝐞𝐫𝐚𝐠𝐞: Dagdag na seguridad sa kalusugan. 🌡️ Kapag may sakit o aksidente, may dagdag na tulong ka!

Let's talk about securing your future! 🗣️📲





ctto😊

19/11/2023

Need mu ba ng extra income,refer a friend and earn incentive 💰💰💰

12/11/2023

02/11/2023

𝟰 𝗥𝗲𝗮𝘀𝗼𝗻𝘀 𝗪𝗵𝘆 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗳𝗼𝗿 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗶𝘀 𝗜𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁

1. SSS and GSIS are NOT enough - It will not sustain your medical bills and you will need to downgrade your lifestyle if you will depend on SSS and GSIS alone.

2. INFLATION - Your 1 peso right now will have lesser value in the future.

3. YOUR KIDS are not your retirement fund - part of pagtanaw ng utang na loob culture. We need to break this culture of dependency. Let us not be a burden to our kids in the future.

4. WE LIVE LONGER - Imagine retiring at the age of 60 with no income then living until the age of 80, that's 20 years worth of expenses, 60 years old too far to imagine right? How about taking a vacation for a month with no SALARY?

Do not depend on your company's retirement benefit. What if you lose your job or your company goes bankrupt?

There’s nothing secure in employment. Have your own retirement plan.

Send me a message for a FREE financial consultation and quotation. 📩

Retchelle Rubi
Licensed financial advisor
09276556618