Money Matters

25/02/2017

Sun Life Financial is still the Number 1 Life Insurance Company.

19/09/2016

The right time to Invest and Protect your loved ones is now...

26/07/2016

Think......

18/07/2016

A must read letter....

A client of mine allowed me to post this letter in FB before finally closing it in a sealed envelope.

As a Financial/Insurance advisor. I normally cross several clients getting insurance for different purpose.

This letter simply manifest the love of a son/daughter to his/her parents.

Happy reading..

14/07/2016

Have you ever think when the time you get old and can no longer work the way you are right now?

Below is an illustration of a simple calculation of one important expense when we retire, food.

Without considering inflation, come to think of it.

The right time to act is now, ask me how and I'll help you program it.

Engr. Lito Martinez
09175599227/09985514606

20/06/2016

Tips on how to make your money work for you.. Ask me how.

Contact: Engr. Lito Martinez
0917 5599227/0998 5514606

29/03/2016

So true.....

05/11/2015

20/10/2015

Definitely true....this is basically why we need Life Insurance

16/09/2015

Life Insurance serves as a cushion in the event uncertain thing happen to us. This is for our loved ones to continue living the way we wanted them to live.

Agree or Disagree? Share your comment….

For a free Financial Consultation, please feel free to contact:
Engr. Lito Martinez, REB,MMT,CIS,RFP, REA, CTEP Grad.
Mob. No.: 09175599227 / 09985514606

24/06/2015

Almost two months ago (am back :), sorry for keeping you waiting), my last post was regarding Inflation and how it affect us. I also mentioned that the key to fight against inflation is by investing our hard money in an instrument that will give us a better than inflation rates (as of May 2015, inflation is @ 1.6% and 2.2% Year to Date – source: www.psa.gov.ph). However the question is where should we put our money to give us the returns that can fight against it.

There are many investment instrument that we can choose from and I would like to share with you some of it.

1. Savings Deposit (Time Deposit and Special Savings Arrangements) : A deposit account held at a bank or other financial institution that provides principal security and a modest interest rate (annual rate ranges from 0.25% to 2% per annum)

2. Life Insurance: Life insurance aside from income protection can be source of cash. The cash value of a permanent life and the accumulated fund value of a variable universal life is considerably good.

3. Mutual Funds: An investment vehicle that is made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets.

4. Stock Market: stock market makes it possible to grow small initial sums of money into large ones, and to become wealthy without taking the risk of starting a business or making the sacrifices that often accompany a high-paying career.

5. Commodity Investment (Gold, Silver): Commodities are raw materials used to create the products consumers buy, from food to furniture to gasoline. Commodities include agricultural products such as wheat and cattle, energy products such as oil and gasoline, and metals such as gold, silver and aluminium.

6. Real Property: Real estate investing involves the purchase, ownership, management, rental and/or sale of real estate for profit.

7. Business: The act of committing money or capital to a business with the expectation of obtaining an additional income or profit.

So which investment will best suit you, it would be depending on your financial goals and risk appetite.I will share you additional information on how this investment can help you achieve your financial goals. Please wait for my succeeding post.

For a free Financial Consultation, please feel free to contact:
Engr. Lito Martinez, REB,MMT,CIS,RFP
Mob. No.: 0917-559-9227 / 0998-551-4606

28/04/2015

INFLATION………… Ano ba ito?

Have you ever come across with this word? If so, naintindihan mo ba kung ano ito.

In a nutshell, inflation is the price increase of commodity. Ito ay ang pagtaas ng presyo ng bilihin……... Natandaan mo ba dati kung magkano ang presyo ng paborito mong pandesal (isaisip mo na lang baka malaman ang age mo…. ), di ba dati eh Php 0.50 cents lang, sa panahon ngayon eh may Php 1.00, Php 2.00 at sa iba eh Php5.00 pa.

So what’s the effect of this inflation to us, common people. Simple, our money is losing its purchasing power. Ang perang hawak natin ay nawawalan unti unti ng halaga. Let’s go back with my example. If you have Php 20.00 you can buy 40 pcs pandesal before sa price na php 0.50 while now, with the same amount, your Php 20.00 can only buy 20 pcs of pandesal for a price of php 1.00. In this case pa lang eh 50% na ang ibinaba agad.

Now that we know about inflation and how it affect us…. what’s next?..... The key is to make your money fight against inflation by investing your money in an instrument that will give you better returns say 10%.

Want to know more…. Please send me a message and I’ll teach you how.

Happy investing!!!