Erlinda Fernandez
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financial education,ofw worker, inspiration,
05/09/2024
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Welcome to Karunungan Pinansyal Fb page.Don't forget to follow,like and share
When is the best time to Start? Yesterday
Second best to Start? TODAY
Worst time to start TOMORROW
Procrastination is the number 1 cause of FAILURE
16/04/2024
I have reached 100 followers! Thank you for your continued support. I could not have done it without each of you. 🙏🤗🎉
"Investing in Assets is like planting trees, Plant the trees when you are young. When you get older, the taller trees will provide shade and security".
Check my linkbio>>>>https://80640me.imgcorp.com/linkbio/
One of the proof kaiser policy plan holders claiming her maturity benefits..Congratulations Ms. Virginia Barrozo..
25/10/2023
This is the “Solid Financial Foundation”.
WARNING: This is an eye-opener and might save you from future financial crisis.
Building a solid financial foundation is just like building a house. You build it from the ground up.
FIRST, you must have proper healthcare coverage in the event of a serious health problem or sickness. Both of these can greatly affect or upset a person’s financial stability, especially during old age. Statistics show that 90% of personal bankruptcies are due to unexpected and unforeseen illnesses.
SECOND, you must have proper protection in the event of your premature death. If this happens, then you have instant money to pay off any responsibilities and liabilities left behind.
THIRD, manage and pay off all your bad debts.
FOURTH, set aside 3 to 6 months of your income to deal with sudden changes in the job or business. This is also to pay for unforeseen accidents or repairs.
FIFTH, save and make long-term investments.
You should consider your healthcare and protection as a priority. Why? Even if you save a few hundred pesos a month, but have no healthcare and life insurance, it will not take you far. When you get sick, disabled, or die suddenly, your savings won’t last very long. Getting long-term healthcare and life insurance are the best investments.
Likewise, if you experience an emergency but your money is tied up in some investments, how could you deal with sudden unexpected expenses? If your money was not tied up then it could have been used as your emergency fund. Worst, if you have an emergency and you have no savings or emergency fund, then you may have to apply for debt.
A strong foundation will result to you having sturdier and resilient finances that can withstand any money-related storms, tornadoes, and earthquakes. Following these five building blocks of a strong financial foundation will help build and secure your financial future.
Source: p.18-19 of “The Secret to Saving and Building your Future” book.
Can you start to building your solid financial foundation right now? Yes, and that’s our goal! :D
It’s not as hard as you think! Having a “long-term healthcare” is equivalent to having (1) a healthcare, (2) a good life insurance coverage, and (3) an investment!
If you want more of these financial concepts/strategies, just send me a personal message for free financial advice and reserve your spot for a free live financial coaching or webinar wherever you are. :)
To Build your Solid Financial Foundation
Attend our Free Financial Coaching↘
https://80640me.imgcorp.com/linkbio
The KAISER 3 in 1 Savings Plan.
Pinakamurang Investment na pwede kang makapagsimula sa halagang 88-190 pesos a day.
Kung nakakagastos ka ng 100-200 pesos araw araw. Ipunin mo nalang yan meron ka nang:
📌 Hospitalization 50k - 60k pesos yearly.
📌 Libreng Dental Benefit (Bunot, Check up, Cleaning)
📌 Annual Physical Exam or APE
📌Life Insurance na hanggang 900,000 pesos
📌 Retirement Fund
📌Kapag hindi ka na employed at binawi na nung dati mong employer yung shorterm HMO mo, hindi ka magwoworry kung maospital ka.
📌Kapag hindi mo nagamit ang annual health care coverage mo hindi sya naeexpire unlike short-term health care (HMO) na no refund ang premiums magamit mo man or hindi. Sa Kaiser marereceive mo ang guaranteed Long-term care bonus (cash) sa maturity.
📌May kasama na syang life insurance for income replacement or protection para sa family just in case may nangyari sa policy holder.
📌Waived na ang payment kung may nangyari sa policy holder, means wala ng babayaran ang family kahit 1 year palang nakakainvest ang policy holder, ma transfer pa ang health care coverage sa beneficiary.
📌Nakainvest sa mutual fund ang health fund kaya nag-eearn sya ng 10% rate of returns at may variable earning pa depende sa performance ng stock market.
📌Good as cash sya pagdating ng maturity, So pwede kang mag-withdraw gamit ang iyong visa card. Hanggat may fund ang account mo, patuloy lang ang pag-earn ng 10% rate of returns (compounded) annually.
📌Covered ka kahit beyond 60 years old ka na, as long as you live at may fund ang iyong account!
📌Maari kang magkaroon nito sa halagang P88 a day mas mahal pa ang C1 Chicken Joy ng Jollibee.
📌Sinu ang pwedeng maka avail nito?
Lahat ng nasa 10-60 years old mayaman man o mahirap basta healthy ay qualified po for this program?
May nagsasabi "ang mahal naman nyan", In reality mas mahal ang magkasakit, mahal ang kamatayan, at mas magastos ang pagtanda..lalo pa kung wala kang ipon, tama ba?
START SAVING NA!
Check my linkbio>>https://80640me.imgcorp.com/linkbio
Learn more IMG benifits :
Click https://80640me.imgcorp.com/
Click to Create Quote for kaiser :
https://80640me.imgcorp.com/quote/kaiser
Attend our free webinar and give yourself a chance to Learn more and be secured.
Thankyou and God bless ♥️
Feel free to message me
01/10/2023
Ito kadalasan pinaghandaan ng ibang tao, kumuha ng FUNERAL PLAN AT MEMORIAL PLAN kaysa LONG TERM CARE PLAN.
Kapag ba nagkasakit ka...
San mo gusto una pumunta?
Sa Ospital o sa sementeryo?
START SAVING NA!
Check my linkbio>>https://80640me.imgcorp.com/linkbio
Learn more IMG benifits :
Click https://80640me.imgcorp.com/
Click to Create Quote for kaiser :
https://80640me.imgcorp.com/quote/kaiser
Attend our free webinar and give yourself a chance to Learn more and be secured.
Thankyou and God bless ♥️
Feel free to message me
Ctto
26/09/2023
Saan daw pinaka-magandang mag invest ngayon?
My answer. "Sa Sarili po Muna"
FOR YOU TO LAND on the BEST OPPORTUNITIES and INVESTMENTS out there, DECIDE to be the BEST YOU, first!
Everything just follows!
DESIRE to LEARN more 'coz Investment in Knowledge always pays the BEST INTEREST!
spuodsǝɹ oɥʍ ǝǝs oʇ ƃuıɥɔʇɐʍ ǝq ןןıʍ I ˙snʇɐʇs ɹnoʎ oʇ ǝʇsɐd puɐ ʎdoɔ sıɥʇ pɐǝɹ uɐɔ noʎ ɟI ... ʇsod ı ʇɐɥʍ oʇ uoıʇuǝʇʇɐ ʎɐd spuǝıɹɟ ʎɯ ɟo ʎuɐɯ ʍoH
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