Financial Freedom

28/11/2021

“What if you were given a 2nd chance to buy insurance?”

You might not realise it, but there is actually a small group of people out there who are unable to get protected because of their health condition.

Some weren't given the chance to buy insurance from day 1, while others neglected insurance in the early part of their life and later on when they needed it the most, they were not allowed to get covered any more.

Being an advisor for the last 21 years, I’ve seen many friends who have suffered and spent hundreds of thousands in medical cost just because they said in the early days, “I’m healthy, I don’t need insurance right now, I will buy next year”

It hurts me so much, because if only I could persuade them to get covered earlier, all these could be avoided.

Insurance is neither the coolest nor the trendiest thing to buy but the most necessary expense.

✅You pass away, your loved one gets the needed source of income to tide them through the toughest period of their life.
✅You fall sick, you get covered for all unexpected expenses.
✅Your kids go to college, you get the peace of mind knowing they can study and follow their dreams whenever they want.
✅You retire, you get a stream of income coming to you without worrying about day to day expense.

This coming Christmas, if an advisor comes to you asking you if you’re covered, don’t reject them first. Sit down and listen to what they have to say.

Because… you need to know if you’re even eligible to buy insurance in the first place. At least get a professional to find out.

Remember, not everyone can buy insurance and if you can, don’t wait for a “2nd chance”, buy now while you still can.

Also, premiums get more expensive when you grow older, so don’t wait till 2022.

Ctto Dr sanjay Tolani

28/06/2021

15/08/2020

Financial freedom is available to those who learn about it and work for it..
-Robert Kiyosaki-

Save what you earn and spend what is left, instead of saving what is left after spending what you earn.

Yun ang pinaka-importanteng natutunan ko when it comes to handling money.

The 2nd was not to put all my eggs in one basket.

Dati, whenever I was asked to invest sa isang negosyo, I'd say no because wala akong time para tutukan yung business, because I felt that I needed to focus all my energy sa Parokya since it was my primary source of income, and ang plano ko lang was tumugtog at mag-ipon.

Then someone told me to diversify my investments and sources of income...para kung may mawalang isa, may iba akong mapagkukunan ng pera.

Nung nag-lockdown, biglang tumigil lahat ng gigs.

Kung umasa lang ako sa pagbabanda, wala sana akong ibang mapagkukunan to provide for my family aside sa ipon na sobrang bilis ma-ubos kung hindi nare-replenish.

Another thing I did was to "invest" in my wife...not necessarily financially, but more of yung time and support she needed for her to succeed on her own.

Tinuruan ko si Neri mag-ipon at kung paano mag-invest.

More importantly, instead of simply saying "ako na bahala sa lahat...asikasuhin mo nalang yung bahay", whenever possible, I would say, "ako muna dito sa bahay...asikasuhin mo yung mga kelangan mo gawin", which gave her the time and energy to focus on her goals.

Ngayon, mas malaki na sya kumita kesa sakin (even before mawala yung gigs!😂), at nung tumigil yung tugtugan, at least hindi ako masyado na-stress dahil aside from the fact na nakagawa ako ng mga secondary sources of income, alam ko na kaya kaming buhayin ng asawa ko sa pamamagitan ng pagbenta ng tuyo, s**a, kape, pajama, at beddings 🤟🏼😂 pam-bed and breakfast lang eh hahaha!

I'm proud to say na ako pa rin ang provider...pero mas proud ako kay Neri dahil sobrang laking tulong nya sa amin because of her online businesses.

Sya yung nagtuloy sa mga natigil kong mga plano...tulad ng lupa na 'to na balak ko bilin pero na-udlot dahil sa covid.

Binili nya para sa akin.

Eto yung bunga ng pagiging ma-ingat at wais ko sa pera, at pagiging supportive na husband.

Kumbaga sa zombie apocalypse, mas mabuti nang dalawang kayong magaling makipaglaban, kesa sa mag-isa ka lang.😎

15/08/2020

Client: Covered ba ko pag nagka Covid ako?

Me: Good news!😀 Meron po tayong plan kay Sun Life that covers you in any illness like Covid19.

Client: Game! Gusto ko yan. Kuha ako niyan! ☺️

Ctto

❤️

13/08/2020

You miss 100% of the chance you don't take.

❤️ SMART people THINK

❤️BRAVE people TALK

❤️GREAT people ACT

06/08/2020

In this time of uncertainty, people need an institution that they can trust. As the leading life insurer in the Philippines, we promise to be accountable in helping Filipinos brave this crisis by taking care of their health, wealth, and the future of their loved ones. See this bright message from Charo Santos-Concio about what she saw in Sun Life as a company. 🌞

26/04/2020

You should be preparing these as much as you can.. Planning takes time and of course EffORT.

26/04/2020

Financial planning is the key.
Message me and I will show you how to prepare for it.
Licensed financial advisor at your service. ❤️

24/03/2020

Paano mo masasabi na ikaw ay financially stable? Basahin. ❤️

1. Build your emergency fund. Emergency fund should be atleast 3-6 months worth. Magagamit mo ito kapag ikaw ay nawalan ng trabaho, at para hindi karin mahirapan kung saan ka kukuha ng pang araw-araw mo. At huwag kalimutan na bigyan ang Panginoon ng ating mga biyaya. 🙏🙏

2. Get a short/long term health care. Hindi ibig sabihin kahit wala kapang sakit ay hindi ka kukuha nito, ito ay pag hahanda para ang emergency fund na binuo ay hindi mauubos kapag dumating na ang araw na magkasakit ka.

3. Get a life insurance. This coverage will be your income replacement, if the breadwinner will be taken out of the picture ang insurance ang papalit sa nawalang income.10 years is enough para maka adjust sa buhay. The earlier the better. Kasi kung late kana kumuha nito at hindi kana insurable (kapag ikaw ay na diagnose na ng anumang sakit) sayang naman.

4. Clear your debts. Utang. Ito yung hindi talaga mawawala satin, bakit? Kasi meron tayong mga home loan, car loan, credit cards etc. So pano ka makakapunta sa ika-limang step kung hindi mo ito tatapusin?

5. Your INVESTMENT. Again, kung ayaw mo malubog sa utang clear your debts first before investing to something. BUT if you think na kaya mo pagsabayin ang pag invest, like stock markets, mutual funds etc. Pag-aralan muna ang mga ito bago pasukin. Real estate is good too, but if installment it's up to you on how to handle your financial. About business, if you're knowledgeable about what business to put up then you can try it.

6. Don't forget your RETIREMENT, yes! We only live once, but we also grow old. Para hindi tayo maging pabigat sa ating mga anak pag dumating ang araw na tayo'y tumanda na. Masaya na tayong napatapos na natin ang ating mga anak, DON'T MAKE YOUR CHILDREN as your retirement plan. They also have a family to build. As a parent it's our obligation to raise them. In return, bonus nalang ang pagbibigay nila satin. :)

Sana makatulong sa lahat. ❤️

18/02/2020

How much does it cost when you get sick?

Unfortunately, a LOT. One critical Illness can wipe out a lifetime worth of savings. It can make you pull out your investments for your medical expenses.

Live a worry-free life with Sun Fit and Well, one of the most comprehensive health insurance available today. It covers you for 114 Major and Minor critical illnesses,ensuring that you'll have a health fund whenever you'll need it.

For more details,feel free to leave me a message ☺




Ctto

11/01/2020

The Importance of Life Insurance to OFW's

Do you currently work abroad? Or do you have a family member, a relative or friends working overseas? Let's discuss about how vital for you/them to have a life insurance policy.

Working abroad, in its own sense, is already a risky decision. Aside from the fact that you or they sacrifice a lot just to make sure that you/they provide a comfortable life and brighter future for their families, the danger of any unfortunate events may happen, especially if it happens in other place than the Philippines.

See the most likely dangers our modern heroes face when they are working overseas:

1. Seaman / Seafarers / Flight Crews - They risk their lives from pirates, sea storms, possible sea collisions and other sea accidents. They have one of the most dangerous jobs in the world, hence they deserved to be insured.

2. OFW / OCW / Housekeeper - The risk of accident, maltreatment (leading to hospitalization) or even death by the hands of your/their 'amo' (we've heard a lot of these).

3. Healthcare Professionals/Doctors/Nurses - Aside from accident, there is a danger of getting infected with disease.

4. Office Jobs / Clerk / Other Jobs - Accident, danger of losing job, danger of being illegally recruited, among others.

Along with buying a new house and car, an OFW, seafarer, a nurse, etc. should have availed a life insurance or educational plan so that in the event that something happens to him, his family’s future is SECURED. You don't want all your sacrifices be in vain. 💛

CTTO