Ano ang VUL o VARIABLE UNIVERSAL LIFE INSURANCE?

Ang Variable universal life (VUL) ay isang 2-in-1 product na may insurance at investment. Ito ay isang uri ng WHOLE LIFE INSURANCE (up to age 100) na may built-in savings component na pwedeng i-invest ang account value na inaasahang magbibigay ng mas mataas na return, at pwede din magwithdraw in case of need for cash.

Ang MUTUAL FUND

Ano ang ibig sabihin ng MF o Mutual Fund ? – ay pinagsama-samang pondo ng mga indibidwal na investors para makalikom ng malaking pondo. Ito ay imamanage ng professional fund manager at e-invest ito sa iba't ibang security investments kasama ang stock market.

source: http://www.pifa.com.ph/mf_101.html

Top 5 REASONS TO INVEST in MUTUAL FUNDS

by: Edmund Yao Lao, RFP

Mutual fund has been one of the better alternatives to just saving money in the bank.  Gone were the days when time deposits were as high as 22% per annum. Nowadays, banks are good only for safekeeping your hard-earned money. Growing your money through the bank to reach your goals is next to impossible.

WHY JOIN COINS.PH?

Coins.ph is a digital wallet that Filipinos can use to make payments or buy bitcoin. With Coins.ph, you can do the following - even if you don’t have a bank account!

SIMPLE STEPS ON HOW TO SAVE

Isa sa mga pinakamahirap gawin pagdating sa PERA ay ang pag-iipon. Let us look on these simple steps on How we can save up for our future.

6 THINGS THAT ARE QUIETLY POISONING YOUR ABUNDANCE THINKING

source: mindmovies.com

Science has long proven that our childhood brains are like sponges; absorbing and storing everything we hear, see, feel and experience.

THE STORY BEHIND THE SCARLET LETTER

ENCOURAGEMENT

Some of the greatest success stories of history have followed a word of encouragement or an act of confidence by a loved one or a trusted friend. Had it not been for a confident wife, Sophia, we might not have listed among the great names of literature then name of Nathaniel Hawthorne. When Nathaniel, a heartbroken man, went home to tell his wife that he was a failure and had been fired from his job n a customhouse, she surprised him with an exclamation of joy.

INSTAGRAM: 3 STEPS TO ONE BILLION DOLLARS

18 months & 3 simple, not-so-simple steps to $1 billion...






Today, Instagram sold to Facebook for $1 billion. A week ago, when TIME asked Instagram founder, Kevin Systrom, if he would sell the company, he said “It’s not really on the top of our minds right now.” 

THE STORY OF A TWEET AND UBER

Here’s a tweet Travis Kalanick sent in January 2010. The reply from Ryan Graves happened 3 minutes later. That tweet was worth over a billion dollars.

Source:  https://www.facebook.com/rogerjameshamilton?pnref=story

January 2010 was the month Travis was doing a test run with 3 cars in New York for a mobile app that he and his friend, Garrett Camp, had just created.

SETTING SMART GOAL

Karamihan sa atin, walang goal o layunin.

Ito rin ang dahilan kung bakit walang nararating ang karamihan sa atin.

THE MILLIONAIRE'S MANIFESTATION

While having a break, a thought of re-reading "One Minute Millionaire" came to mind.


Then a bookmark brought me to a page where I have been trying to print so I can post it on my wall to read everyday.


This one is a powerful manifestation that will teach your mind subconsciously.


This will make your mind think like a millionaire.


Your body, act like a millionaire.


And bring a lot of money to your pocket.

I AM A MILLIONAIRE!

How About When Bad Things Happen?

One day, a king placed a boulder in the middle of the road. He then hid a pouch behind the bounder, and waited in the bushes to see what people will do.

Many noble men, knights, priests, and soldiers saw the boulder and complained why it was blocking the path. That was all they did—complained, complained, and complained some more.

MY STORY COULD BE YOUR STORY "A FARMER'S SON"

May trending na video sa Facebook ngayon tungkol sa isang Pinoy na nakalikha ng microchip na nasa loob ng lahat ng Computers ngayon at sinasabi pang ito ang siyang nagpayaman kay Bill Gates dahil kung hindi dahil sa microchip na naimbento ng Pinoy na ito ay hindi uuso ang Portable Computers.

Eto ang nakasaad sa Facebook Page ng PhilDev Foundation:

THE LEGO STORY (INSPIRATIONAL)

Nawawalan ka na ba ng pag-asa dahil sa dami ng failures mo?

HOW TO RAISE A SUCCESSFUL KID

Sa bidyong ito, hindi lang bata ang matututo dito. Kahit tayong mas nakakatanda ay maraming mapupulot na aral.


Lalo na't para sa mga magulang naman talaga nakasentro ang patalastas na ito.

PAANO MAG-INVEST SA UITF

Isa sa mga magagandang investment product ay ang UITF.

ANO ang UNIT INVESTMENT TRUST FUND (UITF)

Sa dami ng nagtatanong kung ano at paano mag-invest sa UITF, naisipan kong isulat na para mas madali nang ipaliwanag dahil link nalang ang ibibigay ko. (mahirap kaya sumagot ng sumagot, me kasama yang ngiti at kindat).


1. Unang tanong ay, ano ang UITF?

Ayon sa www.uitf.com.ph ang UITF ay:

UITFs DO's and DONT's

Ano ano nga ba ang mga dapat at hindi dapat gawin pag mag-invest sa UITF. Kung Nakapag-invest ka na o nagbabalak pa lang mag-invest sa UITF, this is a must read.

HOW TO GET THINGS DONE

Pagdating ng bagong taon, unang sumasagi sa isip natin ang NEW YEAR'S RESOLUTION.


Pero bakit madalas ay kahit isa sa mga resolution natin ay hindi natin matupad.


Ayon sa isang study sa US, merong iba na hindi na gagawa ng resolution dahil alam na nila sa sarili nila na hindi naman nila magagawa yun.

ASSETS VS LIABILITIES

ANO NGA BA ANG PAGKAKAIBA NG ASSET AT LIABILITY?

photocredit: shutterstock.com

Noong hindi ko pa nalalaman ang totoong kaibahan ng asset at liability, ang akala ko ang lahat ng mga bagay ay pwede nang tawagin na asset.


Pero noong inilabas ni Robert Kiyosaki ang kanyang librong Rich Dad Poor Dad ay naiba ang pananaw ko (at marami pang ibang tao) dito. 


Sabi niya "ASSETS PUTS MONEY IN YOUR POCKET LIABILITIES GETS MONEY OUT OF YOUR POCKET."

Sabi naman ni Usher Morgan sa libro nyang "FROM RATS TO RICHES", "ASSETS FEED YOU, LIABILITIES EAT YOU".

FIRST STEP on HOW TO MAKE MONEY

Napakahirap kumita ng pera di ba?

Meron kayang mas madaling paraan?

THE SACRIFICE YOU MAKE ON SPENDING YOUR HARD EARNED MONEY

Bakit nga ba kailangan mag-ipon?


Hindi ba pwedeng magkaron nalang ng malaking income agad?


Ang mga yumaman ba katulad ng mga tycoons ay nag-ipon para maging ganyan sila ngayon?

300 THOUSAND PESOS = 4 MILLION PESOS? HOW?

POSIBLE BANG MAGING 4 MILYON ANG 300 TAWSAN?


Mali ata ang calculator ko.


Pero noong tiningnan ko ulit ang data sa website ng investment fund na ito. Tama. Tamang tama. Dahil lahat na ng calculator na magagamit ko ginamit ko na at pare-pareho ang sagot.

CAN YOU DO LIKE WHAT HE DID?

"WHAT IS THE ULTIMATE PURPOSE OF LIFE? I'TS TO GIVE" - Narayanan Krishnan

Tunghayan ang kwento ng isang taong mas pinili ang magsilbi sa mga taong hindi niya kaano ano ng walang hinihintay na kapalit.

HOW GREED WORKS ON OURSELVES

Ano nga ba ang greed? Sa tagalog ay pagiging swapang.


Ang greed daw ang source ng paghihirap ng isang tao. Ito ang sabi ni Mahatma Gandhi ng India noong sinabi nyang, 

"The world  has enough for everyone's need, but not enough for everyone's greed".

Ito ang dahilan kung bakit lagi tayong kulang. Hindi tuloy natin maapreciate ang kung ano ang meron tayo.

(VIDEO) PAANO BA MAGWORK ANG UITF

Ano nga ba ang UITF?

Paano ba ito magwork?

Panoorin ang video ng Pisobilities para maintindihan.

HOW TO DIFFERENTIATE NEEDS vs WANTS (LOSER VS WINNER)

Wondering bakit naghihirap ka pa din? Bakit hindi ka pa din makaipon? Baka naman priority mo ang wants than needs. You are accumulating wants that depreciate in value rather than buying and investing on things/funds that grow.

A GOOD WAY TO HELP THE TYPHOON VICTIMS

Mag iisang taon na mula noong dumaan ang isang pinakamalakas na bagyo na naitala sa kasaysayan ng buong mundo ngunit marami pa rin ang walang bahay na masisilungan.

Marami ang mga volunteer groups na tumutulong sa mga nasalanta hanggang ngayon.

Panoorin ang video na ito tungkol sa isang volunteer work sa Leyte, ng grupong;

"ALL HANDS VOLUNTEERS: TOOLS FOR TIME

PROJECT LEYTE - THE PHILIPPINES"

Nangangailangan sila ng tulong dahil kulang ang kanilang kagamitan.

Para  sa karagdagang impormasyon panoorin ang video na ito.

MONEY MANIFESTO: A NEW BOOK WORTH THE WAIT, OR IS IT?

Isa sa mga sinusundan kong speaker, financial literacy advocate at rockstar idol na si Randell Tiongson ay maglalabas na naman ng bagong libro.

WHAT IS A MUTUAL FUND

Kakatapos ko lang magpresent sa isang grupo at karamihan sa kanila hindi nila alam ang mutual fund.


Kung isa ka sa hindi nakakaalam kung ano ito, panoorin ang video mula sa PESOS and SENSE.