Igo mo lang bro, buti nga ngayon may VUL na tayo na tinatawag sa investment plus life insurance na sya sa pagkakaalam ko at madaming mga institution na din ang nag ooffer nyan dati kasi sa pagkakaalam ko walang investment hihintayin mo lang mag mature yung investment mo, ngayon once na kumuha ka ng life insurance naka invest ka na din at isa sa maganda dito is maliit lang monthly mo for 5 years mas maganda kasi habang bata pa magkaroon na ng VUL kasi maliit pa ang huhulugan mo by january kukuha ako 2k per month for 5 years.
If 2k for 5 years, hanggang ilang taon coverage nun? Mura na yang 2k per month since yung iba 10 to 15 years to pay. May plan din ako this December kaso namamahalan pako. Iconsider ko siguro muna yung Term Insurance na pwede iconvert sa VUL after awhile sabi nung taga insurance company na nakausap ko. 
Topic: Cryptocurrencies at Financial Planning - page 4. (Read 1887 times)
Meron ibang mga authors ng iba't ibang finance books, ang recommend nila is up to 6 months worth of monthly expenses as emergency funds. Some paranoid people have taken this a step further and extended it to 1 year, up to 3 years.
Ibig sabihin, meron sila na itabi na cash (or at least nasa savings account) worth 3 years. Kung ano expenses nila in a month, multiplied by 36, nandun sa banko nila.
Yung mga ibang medyo mas successful nga, nabasa ko meron sila worth up to even 5 years and keep adding. That is, after other investments.
Pag ganun ka, at least wala ka na problemahin for awhile. Totoong peace of mind, at kung meron instant large emergency at wala kang insurance coverage, meron ka madudukutan.
I think start saving up to 3 months sa umpisa, then slowly build it up to 6 months worth, over the next several months.... then take it from there kung kaya pa dagdagan.
Sa finance, ganito ginagawa ko. Hindi man ako kasing yaman nila pero yung disiplina na ginagawa nila ay naa-adopt ko rin. Sa may, insurance wala pa talaga ako pero kapag mga ganito talagang all in ako. Kaya pala yung mga mayayaman wala ng pinoproblema at meron tayong makikita na hindi na masyadong hassle sa mga hanapbuhay nila kasi may mga stable business at kung hindi man stable yun, meron silang pondo at savings na kayang kaya nila asahan sa loob ng maraming buwan hanggang taon. Meron pang mga sigurista, meron ng insurance, meron pang malaking savings na pwedeng kapitan.Ibig sabihin, meron sila na itabi na cash (or at least nasa savings account) worth 3 years. Kung ano expenses nila in a month, multiplied by 36, nandun sa banko nila.
Yung mga ibang medyo mas successful nga, nabasa ko meron sila worth up to even 5 years and keep adding. That is, after other investments.
Pag ganun ka, at least wala ka na problemahin for awhile. Totoong peace of mind, at kung meron instant large emergency at wala kang insurance coverage, meron ka madudukutan.
I think start saving up to 3 months sa umpisa, then slowly build it up to 6 months worth, over the next several months.... then take it from there kung kaya pa dagdagan.
Tama ka po diyan, natuto din talaga ako ayusin yong funds ko, dahil mahirap kapag walang ipon or for emergency fund, kaya hindi talaga ako nagpapawala ng fund sa savings account ko kahit maliit, hindi ko ginagastos dahil nakalaan yon sa emergency fund, then I have another savings account for my disbursements naman, naglalagay ako ng monthly for expenses ko lang, hindi pwedeng sosobra ako dun, nililimit ko na yong expenses ko now, less muna kami kumain sa labas, tuwing may okasyon lang.
Pag ganun ka, at least wala ka na problemahin for awhile. Totoong peace of mind, at kung meron instant large emergency at wala kang insurance coverage, meron ka madudukutan.
I think start saving up to 3 months sa umpisa, then slowly build it up to 6 months worth, over the next several months.... then take it from there kung kaya pa dagdagan.
Tama po lahat ng sinabi nyo Sir Dabs, madami kasi nagyon na laging petsa de peligro kaya kahit one month emergency fund wala pa sila, kaya if they have no life insurance and maliit naman monthly expenses nila kayang kaya na more than 3months ang savings sa bangko as emergency fund then wag gagalawin dapat better dagdag dagdagan pa lalo na kung no other investments or non-believer ng insurance.I think start saving up to 3 months sa umpisa, then slowly build it up to 6 months worth, over the next several months.... then take it from there kung kaya pa dagdagan.
Kung sakaling magrerequest po ba ako ng quotation, may bayad po ba yun? Maguumpisa na sana akong mag-acquire ng options. Para makapili ng company habang maaga.
Meron ibang mga authors ng iba't ibang finance books, ang recommend nila is up to 6 months worth of monthly expenses as emergency funds. Some paranoid people have taken this a step further and extended it to 1 year, up to 3 years.
Ibig sabihin, meron sila na itabi na cash (or at least nasa savings account) worth 3 years. Kung ano expenses nila in a month, multiplied by 36, nandun sa banko nila.
Yung mga ibang medyo mas successful nga, nabasa ko meron sila worth up to even 5 years and keep adding. That is, after other investments.
Pag ganun ka, at least wala ka na problemahin for awhile. Totoong peace of mind, at kung meron instant large emergency at wala kang insurance coverage, meron ka madudukutan.
I think start saving up to 3 months sa umpisa, then slowly build it up to 6 months worth, over the next several months.... then take it from there kung kaya pa dagdagan.
Sa finance, ganito ginagawa ko. Hindi man ako kasing yaman nila pero yung disiplina na ginagawa nila ay naa-adopt ko rin. Sa may, insurance wala pa talaga ako pero kapag mga ganito talagang all in ako. Kaya pala yung mga mayayaman wala ng pinoproblema at meron tayong makikita na hindi na masyadong hassle sa mga hanapbuhay nila kasi may mga stable business at kung hindi man stable yun, meron silang pondo at savings na kayang kaya nila asahan sa loob ng maraming buwan hanggang taon. Meron pang mga sigurista, meron ng insurance, meron pang malaking savings na pwedeng kapitan. Ibig sabihin, meron sila na itabi na cash (or at least nasa savings account) worth 3 years. Kung ano expenses nila in a month, multiplied by 36, nandun sa banko nila.
Yung mga ibang medyo mas successful nga, nabasa ko meron sila worth up to even 5 years and keep adding. That is, after other investments.
Pag ganun ka, at least wala ka na problemahin for awhile. Totoong peace of mind, at kung meron instant large emergency at wala kang insurance coverage, meron ka madudukutan.
I think start saving up to 3 months sa umpisa, then slowly build it up to 6 months worth, over the next several months.... then take it from there kung kaya pa dagdagan.
yups mentioning our insurance company is a free advertisement unless Agent din tayo at willing mag recruit then that's another different thing
Agent po ko , pag may gusto ng product quotation willing naman ako magpresent 
Thank you for sharing this kabayan, Now I know kung ano ang mga dapat ko e secure lalo na at pamilyado narin ako. Maganda talagang pinaplano ang buhay habang medyo bata-bata pa, para pag dumating man ang anong sakuna or pagtanda wala tayong pagsisisihan.
tama kabayan dahil walang nakakasiguro ng kinabukasan,kaya kailangan talaga natin ng ibat ibang uri ng insurance para handa tayo at pamilya natin sa kung ano man ang darating.pero tingin ko ang importanteng unahin ay Life insurance at HEalth,kasunod nalang ang education plans and other thing.
parang uunahin ko ang health dahil mahirap magkasakit sa panahon natin ngaun
Thank you for sharing this kabayan, Now I know kung ano ang mga dapat ko e secure lalo na at pamilyado narin ako. Maganda talagang pinaplano ang buhay habang medyo bata-bata pa, para pag dumating man ang anong sakuna or pagtanda wala tayong pagsisisihan.
May point ka dyan, kabayan. Lalo na at hindi naman tayo sigurado sa mangyayari sa future, mabuti yung mayroon tayong paghahanda kahit papano. And one way to do that is a financial plan. So I'm just wondering kung aling insurance company ang dapat kong piliin? Anong mga bagay ang dapat kong iconsider in choosing an insurance company? Andami kasing choices hehe. So I thought, maybe there's a criteria.
I suggest po you request quotation from different companies. Pare parehas lang naman ang goal ng mga company in terms of protection. Nag-iiba iba lang sila sa mga additional benefits and costing. Pwede din kayong magrequest sakin pero mas maganda madami kayong option para may comparison kayo. Appropriate naman 'tong financial planning pyramid na 'to pero wala pa akong life insurance since student pa lang din naman ako. Pero I know, adults around me already mentioned na once na may income or may trabaho ka na, one of the very first thing na kailangan mo pag ipunan is life insurance. Kadalasan kasi nilang sinasabi, para may paglilibingan ka pag namatay ka 'cause you never know when is the time.
So thru reading sa thread na 'to, it enlightens me... Thanks for the fact na hindi lang pala about death ang life insurance. Now I know. While I'm still young, I would try to consider these factors.
So thru reading sa thread na 'to, it enlightens me... Thanks for the fact na hindi lang pala about death ang life insurance. Now I know. While I'm still young, I would try to consider these factors.
Igo mo lang bro, buti nga ngayon may VUL na tayo na tinatawag sa investment plus life insurance na sya sa pagkakaalam ko at madaming mga institution na din ang nag ooffer nyan dati kasi sa pagkakaalam ko walang investment hihintayin mo lang mag mature yung investment mo, ngayon once na kumuha ka ng life insurance naka invest ka na din at isa sa maganda dito is maliit lang monthly mo for 5 years mas maganda kasi habang bata pa magkaroon na ng VUL kasi maliit pa ang huhulugan mo by january kukuha ako 2k per month for 5 years.
Thank you for sharing this kabayan, Now I know kung ano ang mga dapat ko e secure lalo na at pamilyado narin ako. Maganda talagang pinaplano ang buhay habang medyo bata-bata pa, para pag dumating man ang anong sakuna or pagtanda wala tayong pagsisisihan.
Meron ibang mga authors ng iba't ibang finance books, ang recommend nila is up to 6 months worth of monthly expenses as emergency funds. Some paranoid people have taken this a step further and extended it to 1 year, up to 3 years.
Ibig sabihin, meron sila na itabi na cash (or at least nasa savings account) worth 3 years. Kung ano expenses nila in a month, multiplied by 36, nandun sa banko nila.
Yung mga ibang medyo mas successful nga, nabasa ko meron sila worth up to even 5 years and keep adding. That is, after other investments.
Pag ganun ka, at least wala ka na problemahin for awhile. Totoong peace of mind, at kung meron instant large emergency at wala kang insurance coverage, meron ka madudukutan.
I think start saving up to 3 months sa umpisa, then slowly build it up to 6 months worth, over the next several months.... then take it from there kung kaya pa dagdagan.
Ibig sabihin, meron sila na itabi na cash (or at least nasa savings account) worth 3 years. Kung ano expenses nila in a month, multiplied by 36, nandun sa banko nila.
Yung mga ibang medyo mas successful nga, nabasa ko meron sila worth up to even 5 years and keep adding. That is, after other investments.
Pag ganun ka, at least wala ka na problemahin for awhile. Totoong peace of mind, at kung meron instant large emergency at wala kang insurance coverage, meron ka madudukutan.
I think start saving up to 3 months sa umpisa, then slowly build it up to 6 months worth, over the next several months.... then take it from there kung kaya pa dagdagan.
Tama ka diyan boss, when in fact, we don't need them, it will be up to our hands how we are going to manage our fund well, kasi mga pinoy, basta may pera gastos ng gastos although hindi naman lahat, pero ako I realized, bakit pa ako magiinvest sa insurance, kung kaya ko naman ipunin sa sarili ko , kaya hindi na ako kumuha, I will make sure na lang na I have fund for emergency, and savings for the future.
All agents say the say thing. Don't worry about it. Maski anong company pa naman. Kasi meron sila rules on how to present. At the same time, their base offerings are all the same, nagkakaiba lang sa ibang features or riders or added value. Lahat sila decades or centuries old companies with millions of policy holders, so they can pay. Lahat sila meron groups of accountants and actuaries and studies on how to profit best while serving your needs.
Totoo, kikita sila, but because of the industry, meron ka peace of mind. Trabaho nila to make you understand why you need it and should get it. Trabaho din nila kumita for their own.
Totoo, kikita sila, but because of the industry, meron ka peace of mind. Trabaho nila to make you understand why you need it and should get it. Trabaho din nila kumita for their own.
Tama ka diyan boss, when in fact, we don't need them, it will be up to our hands how we are going to manage our fund well, kasi mga pinoy, basta may pera gastos ng gastos although hindi naman lahat, pero ako I realized, bakit pa ako magiinvest sa insurance, kung kaya ko naman ipunin sa sarili ko , kaya hindi na ako kumuha, I will make sure na lang na I have fund for emergency, and savings for the future.
Appropriate naman 'tong financial planning pyramid na 'to pero wala pa akong life insurance since student pa lang din naman ako. Pero I know, adults around me already mentioned na once na may income or may trabaho ka na, one of the very first thing na kailangan mo pag ipunan is life insurance. Kadalasan kasi nilang sinasabi, para may paglilibingan ka pag namatay ka 'cause you never know when is the time.
So thru reading sa thread na 'to, it enlightens me... Thanks for the fact na hindi lang pala about death ang life insurance. Now I know. While I'm still young, I would try to consider these factors.
So thru reading sa thread na 'to, it enlightens me... Thanks for the fact na hindi lang pala about death ang life insurance. Now I know. While I'm still young, I would try to consider these factors.
Though you're still a student, pwede ka naman na mag-apply for a life insurance policy. You don't need to wait na maka-graduate ka or magka-trabaho bago maka-avail ng policy. May students life insurance plan na tinatawag na pwedeng makatulong hindi lamang sayo kundi pati na rin sa family or parents mo para hindi na sila mahirapan sa pagbayad ng mga school expenses mo.
Mas preferable talaga ang mag-start habang mas bata pa. Kaya seek advise from those adults around you if they know a financial advisor who can educate you further about it.
Like you, sana all youth these days will be more mindful in securing their future as well by understanding the importance of having a life insurance.
All agents say the say thing. Don't worry about it. Maski anong company pa naman. Kasi meron sila rules on how to present. At the same time, their base offerings are all the same, nagkakaiba lang sa ibang features or riders or added value. Lahat sila decades or centuries old companies with millions of policy holders, so they can pay. Lahat sila meron groups of accountants and actuaries and studies on how to profit best while serving your needs.
Totoo, kikita sila, but because of the industry, meron ka peace of mind. Trabaho nila to make you understand why you need it and should get it. Trabaho din nila kumita for their own.
Totoo, kikita sila, but because of the industry, meron ka peace of mind. Trabaho nila to make you understand why you need it and should get it. Trabaho din nila kumita for their own.
Appropriate naman 'tong financial planning pyramid na 'to pero wala pa akong life insurance since student pa lang din naman ako. Pero I know, adults around me already mentioned na once na may income or may trabaho ka na, one of the very first thing na kailangan mo pag ipunan is life insurance. Kadalasan kasi nilang sinasabi, para may paglilibingan ka pag namatay ka 'cause you never know when is the time.
So thru reading sa thread na 'to, it enlightens me... Thanks for the fact na hindi lang pala about death ang life insurance. Now I know. While I'm still young, I would try to consider these factors.
So thru reading sa thread na 'to, it enlightens me... Thanks for the fact na hindi lang pala about death ang life insurance. Now I know. While I'm still young, I would try to consider these factors.
^ I agree na hindi na kailangan mag-mention ng kumpanya kaya hindi ko na din binanggit sa akin but there's nothing wrong kung sabihin mong insurance agent ka. You can educate many here and who knows kung magustuhan nila at magpa-assist sa'yo in the future.
yups mentioning our insurance company is a free advertisement unless Agent din tayo at willing mag recruit then that's another different thingbut i totally agree sa topic na to dahil walang kahit sino man sa atin nakakaalam ng kinabukasan ,walang pwede magsabi na mananatili syang matatag at matibay sa lahat ng panahon, at mas lalong walang makakapagsabi na meron syang masasandalan sa mga oras ng pangangailangan dahil lahat tayo ay merong Ups and DOwns so better have securities than nothing at all
Ahhh bale parang savings na din pala yan and at the same time may insurance pa. Mukhang ok pala yang VUL narinig ko na din yan kaso hindi ko lang talaga lubusang maunawaan yung nilalaman niya. Mabuti nalang meron tayo ditong financial advisor tulad mo. Ilang taon yung pinamatagal na pwedeng ipunin sa VUL? may mga charges din ba yan?
May mga charges din po like management fee, policy fee etc pero kasama na yun sa plan , if kukuha ngayon, the amount will be pay in entire 10 or 15 years will be the same amount depende sa plan nyo na depende till 80 or 100 yung coverage pero till 75 lang for other riders. Since di po sya term plans, mas pricey siya since you will pay in limited time pero insured ka till x years. Hindi lang guarantee is yung investment side kung magkano talaga makukuha since nakadepende sya sa market. May ibang insurance na hati ang ginagawa ihuhulog sa insurance half then investment half yung premium, while yung iba naman is may specific years for insurance and the rest is sa investment and charges till x years. Depende po talaga sa plan na kukunin. 
Financial Planning Pyramid. Ano ito?
Makikita natin sa pyramid na pinaka basic na dapat meron ang isang tao is wealth protection. Ano ba ang wealth protection? bakit kailangan natin yan? Parang pundasyon ng bahay, hindi naman magiging matibay ang bahay kung nag start ka sa bubong agad kailangan muna ng matibay na pundasyon.
"Hindi ko kailangan ng Life/Health Insurance,Hindi ako magkaka sakit, bata pa ako hindi ko kailangan ng critical illness benefit.Gusto ko sa Stock Market na or kung sa atin ay Cryptocurrencies (considered alternatives investment in the pyramid)" Ilan lang yan sa mga excuse ng karamihang Pinoy.
Scenario
Kung inuna ang wealth accumulation compare kay wealth protection. Nag invest sa crypto pero in time na need ng money na detect namay critical illness, that time the market is not in good condition, max out na ang hmo, kulang nadin ang philhealth. tendency nun withdraw mo yung investment mo kahit hindi pa naggain or worse is at loss pa. Pero kung meron ka sana wealth protection, may maclaclaim ka sa insurance company na kinuhanan mo ng policy dahil may coverage ka due to critical illness or accidents.
Kayo rin ba sumasang-ayon sa financial Planning Pyramid? I already have VUL (Life Insurance with Investment) since I find it important nung bumaba market last year and hindi nako masyado nakakapag trade. Im paying using Coins.ph Pay bills method.
Now, Im just thinking if many crypto traders also invest or consider having Life Insurance? Sa mga meron na kelan kayo kumuha before o after you enter cryptocurrency investing?
Tinanong ko yung mother ko tungkol dito at wala din silang insurance at yan yung mindset niya na pangpatay lang yan. At madami na din akong natanong na ganito yung mindset kaya parang nahawa na din ako na ayaw kong pag ipunan yung kamatayan ko. Sa retirement fund, paano magiging retirement fund, vacation fund at educational fund ang isang insurance?
Thru VUL po, may mga insurance na may partner na mga investment company na nagmamanage ng Funds nila thru Investing sa Bonds or Stocks like Eastspring Investments. Yung Fund po dun if nag mature na or medyo malaki na pwede withdrawhin dipende Kung san nyo gagamitin, retirement, education or pang vacation though the amount na makukuha is not guarantee since nakadepende sa market. If marunong naman tayo magtrade then pwede for additional retirement yung makukuha dito since pag tumagal lang mas tumataas value nung fund mo. Tinanong ko yung mother ko tungkol dito at wala din silang insurance at yan yung mindset niya na pangpatay lang yan. At madami na din akong natanong na ganito yung mindset kaya parang nahawa na din ako na ayaw kong pag ipunan yung kamatayan ko. Sa retirement fund, paano magiging retirement fund, vacation fund at educational fund ang isang insurance?
Thru VUL po, may mga insurance na may partner na mga investment company na nagmamanage ng Funds nila thru Investing sa Bonds or Stocks like Eastspring Investments. Yung Fund po dun if nag mature na or medyo malaki na pwede withdrawhin dipende Kung san nyo gagamitin, retirement, education or pang vacation though the amount na makukuha is not guarantee since nakadepende sa market. If marunong naman tayo magtrade then pwede for additional retirement yung makukuha dito since pag tumagal lang mas tumataas value nung fund mo. Para pagdating ng panahon na matanda na kayo ng asawa mo hindi kayo pabigat sa mga anak nyo, meron kayong sariling pera na maeenjoy nyo galing sa naipon nyo.
Meron bang insurance na isang buuan na yung bayad sa isang taon o di kaya one time payment? may ganun ba? yung mga nakausap ko kasi mga monthly payment yung inooffer para namang mabigat sa side ko kapag ganun kasi dami kong bills.
Meron po annually, depende naman po Kung kaya nyo nang Bayadan annually mas maganda para wala ng isipin monthly. Monthly lang kadalasan gamit for proposal para makita pong hindi sya ganun ka mahal since ang iniisip po ng agent isasama sya sa budgeting na usually monthly tayo Kung magbudget.Actually hindi naman po pang patay lang ang insurance see picture below. Madame po itong benefits depend Kung lalagyan nyo ng coverage. Hindi naman natin masasabi na hindi tayo magkakasakit kahit kelan or aksidente, atleast if ever mangyari man yun handa tayo. Hindi yung iba pa ang papaproblemahin natin sa na ngyari satin. Consider BTID, Buy Term Invest the Difference like what sir Dabs do. If tingin nyo naman di magkakaproblema sa inyo pamilya nyo at may enough kayong saving for yourself in the future and if maiwan nyo family nyo then do not get one since madami na kayong savings na willing nyo bawasan for critical illness or uncertainties.
Death benefit is just a small portion of the many benefits that a life insurance can give.in fact, it's just the tip of the iceberg.
Tinanong ko yung mother ko tungkol dito at wala din silang insurance at yan yung mindset niya na pangpatay lang yan. At madami na din akong natanong na ganito yung mindset kaya parang nahawa na din ako na ayaw kong pag ipunan yung kamatayan ko. Sa retirement fund, paano magiging retirement fund, vacation fund at educational fund ang isang insurance? [ img width=400 height=400]https://i.imgur.com/oGZLzVW.jpg[/img]
Death benefit is just a small portion of the many benefits that a life insurance can give.in fact, it's just the tip of the iceberg.
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