Prosperity Klub

Prosperity Klub Prosperity Klub is a group of people with a common interest which is to become prosperous. "Klub" is German/Polish for "club."

We use klub because just like German people, we also embrace the values of thriftiness, hard work, industriousness, and success

03/08/2025

📢 PARA SA MGA KA-IPONARYO: GOOD NEWS MULA SA SSS!
(Adapted from ABS-CBN News by Benise Balaoing, August 1, 2025)

💸 MAY GOOD NEWS SA MGA LOLO AT LOLA NATIN!

Ka-Iponaryo, kung may nanay, tatay, lolo o lola kang pensionado ng SSS — this is for them!

Simula SEPTEMBER 2025, may dagdag sa buwanang pensyon ng mga retirees, may kapansanan, at survivor pensioners. Hindi lang isang beses — kundi TATLONG TAON na sunod-sunod!

✅ ANO ANG UPDATE?

✔️ 2025: +10% increase sa retirement at disability pensions
✔️ 2025: +5% increase sa survivor pensions
✔️ 2026: Ulit ang parehong increase
✔️ 2027: Ulitin pa ulit!

⚠️ REMINDER: Dapat pensioner ka na as of August ng bawat taon para makasama sa increaseSSS to increase pension….

WALANG DADAGDAG NA BAYAD!
Don’t worry, hindi tataas ang contribution mo. Sabi ng SSS, may sapat silang pondo dahil sa magagandang kita mula 2019 hanggang 2025. Lakas maka-pogi points sa fund management, di ba?SSS to increase pension…

💡 ANONG MEANING NITO SA MGA KA-IPONARYO?

✅ BENEFITS / OPPORTUNITIES

✔️ Mas malaking take-home para sa mga pensioners — dagdag budget sa gamot, pagkain, at pang-araw-araw.
✔️ May tulong din ito sa economy — dahil sa dagdag-gastos mula sa pensyon, sabi ng SSS, P117.2 billion ang mapapaikot sa ekonomiya!SSS to increase pension…
✔️ Hindi lang ito pansamantala. Long-term strategy ito para hindi maubos ang pondo habang nagbibigay ng benepisyo sa lahat.

🧠 ANG TAKEAWAY NG MGA KA-IPONARYO:

Ang financial blessings, hindi lang dapat i-enjoy. Dapat i-manage at i-maximize.

➡️ Kung may pensionado sa pamilya mo, tulungan silang magplano para sa dagdag na kita.
➡️ Kung ikaw ay future pensioner, magandang sign ito na inaalagaan ang pondo mo.
➡️ At kung gusto mo rin ng passive income in the future — ngayon pa lang, mag-ipon at mag-invest na!

Sabi nga ni SSS President Robert Joseph De Claro, “We are rolling out a rational and sustainable pension increase that uplifts all pensioners without compromising the fund’s actuarial soundness”SSS to increase pension….

Kaya, Ka-Iponaryo, habang may kinikita pa, mag-ipon na. Dahil ang future mo, ikaw din ang maghahanda!

SOURCE:
Written by Benise Balaoing for ABS-CBN News, published July 31, 2025.
Original article: SSS to increase pensions starting September

Be guided with the different investments vehicles. Learn them and start investing.
20/07/2025

Be guided with the different investments vehicles.
Learn them and start investing.

🇵🇭 How to Maximize Your Dividend Income in the Philippines 💰Want your dividends to work harder for you? Here's how to do...
20/07/2025

🇵🇭 How to Maximize Your Dividend Income in the Philippines 💰

Want your dividends to work harder for you? Here's how to do it:

Choose Reliable Dividend Stocks
🔍 Look for companies with a strong track record — like REITs and blue-chip stocks.

Reinvest Manually
🧾 Since we don’t have automatic reinvestment here, use your dividend payouts to buy more shares yourself. You could also add more to your buying power to further buy more shares.

Buy Before the Ex-Date
📆 To qualify for dividends, make sure to buy shares BEFORE the ex-dividend date.

Watch Dividend Yield & Payout Ratios
📊 Don’t just chase high yields — check if they’re sustainable.

Diversify Your Holdings
🧺 Mix up sectors: real estate, utilities, banking, etc. But not to the extent of over-diversification. Choose what's comfortable for you.

Track Payout Schedules
📅 Some pay quarterly, others annually — plan your cash flow accordingly.

Think Long-Term
🏦 Reinvesting over time builds a growing stream of passive income.

Let your dividends pay for your bills today — and your lifestyle tomorrow. 🌱📈

06/07/2025

In entrepreneurship, creativity without mastery is a waiting disaster.

In investing, capital and determination without Discipline and acumen, huge losses await.

Before You Start a Business, Swallow These 5 stepsSo you want to start a business? Good. But before you post your resign...
06/07/2025

Before You Start a Business, Swallow These 5 steps

So you want to start a business? Good. But before you post your resignation letter on social media with a “new chapter” caption, you need to hear this:

Business is not a soft landing; it’s a battlefield.
It’s not about freedom in the beginning; it’s about fighting for freedom. And chances of winning that battle are close to zero.

Many people jump in hoping to escape a bad job or chase a passion - only to realize they’ve walked into something that has demands much more than the job. It’s not that business isn’t worth it. It’s that you have to earn your place in the arena before it starts rewarding you.

Here are 5 bitter steps you must swallow before you take that leap:

1. No One Owes You Support; Not Even Family

Don’t expect your friends to buy from you just because they know you. Don’t expect family to cheer you on or promote your hustle. You’ll be lucky if they even take you seriously.

Most of your early customers will be strangers. Why? Because strangers don’t care about your past. They care about the value you offer.
Build something so good they can’t ignore you; even if your cousins do. I'm short be prepared to go the full length alone. Family and friends only show up when there is something to chop.

2. You Will Work Harder Than a 9–5; For Free (at First)

Many dream of quitting their jobs to “be their own boss.” But they don’t realize the boss never sleeps. In your 9 - 5, you had one role which pays no matter what. If they don't pay you - it's a debt. In business, you wear all the hats, so you’ll work longer hours, face more stress, and sometimes earn less than the office cleaner - until the business stabilizes. Freedom isn’t free. You pay in sweat first.

3. Money Problems Don’t Disappear - They Multiply

If you were reckless with personal finances, expect 10x the consequences in business. You’ll need to learn cash flow management, budgeting, saving for taxes, and resisting the urge to treat profits like a salary. There will be dry months, late payments from clients, emergency costs, and temptations to rob Peter to pay Paul. Business doesn’t fix your money habits - it exposes them.

4. Talent Isn’t Enough; Systems Win

You might be gifted. You might have great ideas. But talent without systems will burn you out.
You need repeatable processes, automation, checklists, scheduling tools, and delegation. Without them, your business will collapse the day you fall sick or go on leave.

The best businesses don’t run on genius; they run on structure.

5. You’ll Be Forced to Grow Or You’ll Quit

Business will challenge every part of who you are.
You’ll deal with rude clients, copycats, cash shortages, useless and wicked employees, broken partnerships, tough decisions, and crushing doubts. The version of you that starts the business will not survive unless it evolves. You’ll need to become more resilient, emotionally intelligent, disciplined, focused, and strategic. If you don’t grow - you’ll quit. After 12 years in the trenches, I can now say that I thought I was building a business, only to find out that the business was building me.

Starting a business is one of the most rewarding paths in life but it’s not a shortcut. It’s a grind. It will stretch you, break you, remake you, and test your faith.

But if you can swallow these 5 steps and still say “I’m in” - then welcome to the real economy.

02/07/2025

The Bangko Sentral ng Pilipinas (BSP) celebrates the Savings Consciousness Week 2025 from June 30 to July 6, with the theme "A secure future starts with consistent saving habits,"

🚨 BitPinas curated a list of digital banks and services that offer interest rates, and their active promos, that you can consider for your savings. 👇

5 MINDSET SHIFTS TO MAKE YOU UNSTOPPABLE
29/06/2025

5 MINDSET SHIFTS TO MAKE YOU UNSTOPPABLE

25/06/2025

Your love for your family . . .

Make it seen.

Make it heard.

Make it felt.

Make it Manila Bankers Assurance.

Manila Bankers Assurance, the best way to show your love.



Elijah Alejo, Isinugod sa Ospital Dahil sa Labis na Pagtatrabaho“I’ve been out of the hospital for a while now.Tahimik l...
25/06/2025

Elijah Alejo, Isinugod sa Ospital Dahil sa Labis na Pagtatrabaho

“I’ve been out of the hospital for a while now.
Tahimik lang muna ako nitong mga nakaraang araw—kailangan ko ng oras. Oras para magpahinga, mag-isip, at huminga.
Hindi lang pisikal na pagod ang naranasan ko habang naka-confine—mas mabigat ang tama nito sa emosyon.
To be honest, I’ve been running on empty.
Palaging puyat, laging skip ng meals, at paulit-ulit na pagsabing ‘kaya pa,’ kahit ramdam na ng katawan ko na hindi na talaga.
Nagpanggap akong okay, pero unti-unti na pala akong nauubos.
Lying on that hospital bed made me face a truth I kept avoiding:
Walang amount ng trabaho, success, or pagiging busy ang mas mahalaga pa sa kalusugan ko.
𝗛𝗲𝗮𝗹𝘁𝗵 𝗶𝘀 𝘄𝗲𝗮𝗹𝘁𝗵—at ayokong makalimutan ‘yan muli.
Kaya kung nababasa mo ‘to, sana maalala mong alagaan mo rin ang sarili mo.
Kumain sa oras. Matulog ng maaga. Uminom ng tubig. Magpahinga.
Huwag mong hintayin na ang katawan mo pa ang pilit na magpahinto sa’yo.
I’m okay now. Still healing. Still learning.
Moving forward—this time, with more care, more awareness, and more love for myself.”

Secure your Healthcare Plan now.

THE MONEY THAT WE CAN SAVE TODAY WILL SAVE US IN THE FUTURE. 🙂Can you relate? Spending big amount of money on gadgets an...
25/06/2025

THE MONEY THAT WE CAN SAVE TODAY WILL SAVE US IN THE FUTURE. 🙂

Can you relate? Spending big amount of money on gadgets and Y.O.L.O moments? Why not start saving and investing while you're at your 20's? Believe us, that's the best time to start.

As we always say to our clients, there's nothing wrong about enjoying our present lives, but first, we have to make sure that we set aside portion of our income to save or invest for our future. Because the money that we can save today will save us in the future.

Affordability isn’t about your income.It’s about the time it costs you.😊
23/06/2025

Affordability isn’t about your income.
It’s about the time it costs you.😊

The 6 stages of wealth What stage are you now?
23/06/2025

The 6 stages of wealth
What stage are you now?

Address

Davao City

Telephone

+639308525204

Website

http://www.bit.ly/prosperityklubmembership

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