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Author Topic: Cryptocurrencies at Financial Planning  (Read 1848 times)
Eclipse26
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October 14, 2019, 11:59:05 AM
 #41

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.

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October 14, 2019, 02:48:43 PM
 #42

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.

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October 14, 2019, 03:15:31 PM
 #43

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.

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.

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October 15, 2019, 03:32:57 PM
 #44

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.

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.

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October 16, 2019, 07:51:33 AM
 #45


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.
Importante din po talga ang may emergency fund at least 3 months of monthly expenses, and ayos yan you're able to save for future, some kasi are  living paycheck to paycheck and with history sa family na nawalan ng income or resources due to uncertainties. Panget lang talaga pagkakakilala ng mga sa insurance same with agents if wala pang kakilala nakaclaim or nabenefitan nito, but I still enjoy this as my part time job since I have heard many testified claims. Depende din sa experience and kakayanan mag-ipon ito since mostly small business owners and breadwinners palang nag-aavail sa area namin.

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October 16, 2019, 03:22:47 PM
 #46

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.

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October 16, 2019, 03:47:53 PM
 #47

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.
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October 17, 2019, 12:00:22 AM
 #48

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.

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.
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October 17, 2019, 04:23:58 AM
 #49

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. Grin
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  Grin pero mas maganda madami kayong option para may comparison kayo.
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. Grin

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October 17, 2019, 04:59:29 AM
 #50

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  Grin , pag may gusto ng product quotation willing naman ako magpresent  Wink
ohh,good to hear kasi may mga tanong din ako in regards sa policy's so i think i found someone to asked .maybe sa PM ko nalang ipapadaan in case na may kailangan akong maintindihan.thanks for presenting
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

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October 17, 2019, 08:24:09 AM
 #51

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.

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October 17, 2019, 11:58:12 AM
 #52

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.


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. Grin
Feel free to PM lang po. Libre lang po proposal. If malayo naman po area nyo tapos gusto nyo na kumuha pwede naman po magpassist sa iba if ever na may ka-agent kame sa area nyo.

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October 18, 2019, 03:03:24 AM
 #53

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.

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.
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October 18, 2019, 03:40:17 AM
 #54

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.

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October 18, 2019, 02:59:34 PM
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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.
Nakadepende ang amount sa kukunin plan if may kasamang for health, accident, hospitalisation and investment. Depende sa edad ng kukuha, budget at kung ilang taon nila prefer bayadan yung plan. Iba iba po basis and needs to consider. Kaya need din po makipag-usap personally sa agents or consult financial advisors para makapili ng plan at madiscuss ang Financial Need Analysis nyo.

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November 21, 2019, 03:26:29 PM
 #56

UPDATING....

Sa panahon ng 13th month pay and bonus, saan nyo plano gastusin ang mga ito?

I have clients met for Life Insurance this month and I also introduced Bitcoin to them for some chit chats.
Since they are conservative investors hindi pa sila ganun ka interesado sa BTC. Ang tagal din nila pinag-isipan ang pagkuha ng VUL just influenced by our common friend. Now since were into crypto na, will you consider using your 13 th month for Life Insurance or add nalang sa holding especially now that the market is dropping and it's a good chance to buy at lower price.

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November 21, 2019, 11:53:26 PM
 #57

UPDATING....

Sa panahon ng 13th month pay and bonus, saan nyo plano gastusin ang mga ito?

I have clients met for Life Insurance this month and I also introduced Bitcoin to them for some chit chats.
Since they are conservative investors hindi pa sila ganun ka interesado sa BTC. Ang tagal din nila pinag-isipan ang pagkuha ng VUL just influenced by our common friend. Now since were into crypto na, will you consider using your 13 th month for Life Insurance or add nalang sa holding especially now that the market is dropping and it's a good chance to buy at lower price.
Probably will buy more bitcoin, kung titignan mo ang presyo ngayon ni bitcoin sigurado akong maeenganyo ka bumili ng bitcoin. Yes marame talaga sa atin ang takot mag take ng risk pero hinde naman dapat ganun ka nalang forever, minsan need talaga mag take ng risk. If mapupunta lang sa wala ang pinaghirapan mo at ang extra money mo, di ka makakaahon agad dapat needs vs wants.

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November 22, 2019, 01:58:08 PM
 #58

Personally, wala pa talaga akong insurance.. kahit life insurance wala but I've been planning that since meron naman tayong konteng kita sa crypto.

My priorities now is to invest but since I am not getting younger, I start to think of insurance like the follow.

1. Life Insurance
2. Funeral Insurance.
3. Health Insurance

4. House insurance,

dahil alam mo naman ngayon madalas na ang lindol,, buti sana kung pwede i "estap palagi ni pastor"...just kidding.
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November 22, 2019, 02:24:33 PM
 #59

Personally, wala pa talaga akong insurance.. kahit life insurance wala but I've been planning that since meron naman tayong konteng kita sa crypto.

My priorities now is to invest but since I am not getting younger, I start to think of insurance like the follow.

1. Life Insurance
2. Funeral Insurance.
3. Health Insurance

4. House insurance,

dahil alam mo naman ngayon madalas na ang lindol,, buti sana kung pwede i "estap palagi ni pastor"...just kidding.

Balak ko din sana kaso madami pang bayadin na nakaumang, maganda sana hanggat bata pa magkaroon na ng investment di mo din naman kasi masasabi atleast handa ka. Pagkakaalam ko bro merong VUL investment na plus insurance pa 2k per month sa inlife tanong ka na lang sa financial advisor nila.
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November 22, 2019, 03:58:41 PM
 #60

If you really need insurance, for life, the first thing you should consider is term. Sa buhay lang ng tao meron ganito na tawag term.

Kasi sa ibang bagay, halimbawa sa product insurance, o credit insurance, o house insurance, o car insurance, lahat yung equivalent nila sa life ay term insurance din.

Sa opinyon ko, kung gusto mo ng ibang riders, mas sulit kung ikaw na gagawa hiwalay sa term, at term lang kunin mo para sa buhay mo. You can invest the difference in other traditional fiat investments like exchange traded funds or index funds, and get a higher return.

Yung mga insurance products na may kasamang investment, para yun sa mga tamad. Smiley

I worked for AIG / Philamlife, and my brother in law currently sells insurance, so hindi ko minamaliit ang trabaho nila. It's just the public don't really know what they're buying, or if they do know, then tamad nga sila mag segregate para sa buhay at para sa ibang investment, o gusto lang mag sayang ng pera (o itapon sayo kung ikaw ang ahente, kasi mas malaki commission mo if you sell anything "better" than term life insurance.)

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