UM Tricia- Life Insurance and Non Life Insurance Specialist

UM Tricia- Life Insurance and Non Life Insurance Specialist ๐Ÿ“Šโœจ Insurance | Portfolio Money Management | Leadershipโœจ๐Ÿ“Š๐Ÿ“„ I am the โ„ข๏ธ
โ„ข๏ธ

Self care is a must ๐Ÿซถ
27/10/2025

Self care is a must ๐Ÿซถ

๐ŸŽฏ These are the 4 people we want to keep closer to us.
23/10/2025

๐ŸŽฏ These are the 4 people we want to keep closer to us.

I was struck by John Lloyd Cruzโ€™s quiet wisdom when he said, โ€œMas okay yung mukha kang mahirap pero marami kang ipon. Ke...
23/10/2025

I was struck by John Lloyd Cruzโ€™s quiet wisdom when he said, โ€œMas okay yung mukha kang mahirap pero marami kang ipon. Kesa naman sa mukha kang mayaman, pero napakarami mong utang.โ€

In a world obsessed with appearances, this truth hits deep. Too often, people chase the look of success, designer clothes, flashy cars, fancy dinners, but behind the smiles are sleepless nights, debts, and emptiness.

John Lloyd reminds us that true wealth isnโ€™t loud. It doesnโ€™t need validation, it doesnโ€™t crave attention.

Sometimes, the richest person in the room is the one who quietly saves, quietly builds, quietly lives within their means.

Real success isnโ€™t about looking rich.

Itโ€™s about living free. Free from debts, free from pressure, and free from the need to prove your worth to the world.

Trish, how much is the ideal critical illness coverage?Well the average cost of critical illness in PH at the least is: ...
16/10/2025

Trish, how much is the ideal critical illness coverage?

Well the average cost of critical illness in PH at the least is: ๐Ÿฎ๐— 
But the right coverage actually depends on your annual income.

Letโ€™s say your annual income is 1M, and the recovery period you will need is 1 year

This means youโ€™ll need:

2M (medical treatment)
1M (income replacement for 1year)
๐—ง๐—ผ๐˜๐—ฎ๐—น: ๐Ÿฏ๐— 

In addition, the added WHAT IFs
What if you are earning more?
What if you need more time to recover?

Then you will definitely need a bigger coverage.

๐˜พ๐™ง๐™ž๐™ฉ๐™ž๐™˜๐™–๐™ก ๐™ž๐™ก๐™ก๐™ฃ๐™š๐™จ๐™จ ๐™ž๐™จ ๐™ข๐™ค๐™ง๐™š ๐™ฉ๐™๐™–๐™ฃ ๐™Ÿ๐™ช๐™จ๐™ฉ ๐™ฉ๐™๐™š ๐™๐™ค๐™จ๐™ฅ๐™ž๐™ฉ๐™–๐™ก ๐™—๐™ž๐™ก๐™ก๐™จ.
๐™„๐™ฉโ€™๐™จ ๐™–๐™ก๐™จ๐™ค ๐™–๐™—๐™ค๐™ช๐™ฉ ๐™ฉ๐™๐™š ๐™ž๐™ฃ๐™˜๐™ค๐™ข๐™š ๐™ก๐™ค๐™จ๐™จ.
๐™๐™๐™š ๐™ฅ๐™ค๐™จ๐™ฉ ๐™ข๐™š๐™™๐™ž๐™˜๐™–๐™ก ๐™š๐™ญ๐™ฅ๐™š๐™ฃ๐™จ๐™š๐™จ ๐™–๐™ฃ๐™™ ๐™– ๐™ก๐™ค๐™ฉ ๐™ข๐™ค๐™ง๐™š.

๐™ˆ๐™–๐™ ๐™š ๐™จ๐™ช๐™ง๐™š ๐™ฎ๐™ค๐™ช ๐™๐™–๐™ซ๐™š ๐™–๐™ฃ ๐™–๐™™๐™š๐™ฆ๐™ช๐™–๐™ฉ๐™š ๐™˜๐™ค๐™ซ๐™š๐™ง๐™–๐™œ๐™š โ˜‚๏ธ
๐™Š๐™ง ๐™ฎ๐™ค๐™ช๐™ง ๐™๐™–๐™ง๐™™-๐™š๐™–๐™ง๐™ฃ๐™š๐™™ ๐™จ๐™–๐™ซ๐™ž๐™ฃ๐™œ๐™จ ๐™ฌ๐™ž๐™ก๐™ก ๐™œ๐™ค ๐™™๐™ค๐™ฌ๐™ฃ ๐™ฉ๐™๐™š ๐™™๐™ง๐™–๐™ž๐™ฃ.

Gentle reminder from your

UM Tricia- Life Insurance and Non Life Insurance Specialist

Something to think about ๐Ÿค”๐Ÿ“๐˜พ๐™ค๐™จ๐™ฉ ๐™ค๐™› ๐™‡๐™ž๐™ซ๐™ž๐™ฃ๐™œ ๐™ž๐™ฃ ๐™ฉ๐™๐™š ๐™‹๐™๐™ž๐™ก๐™จ. ๐˜ผ๐™ฃ๐™™ ๐™ฉ๐™๐™š ๐™Ž๐™ฉ๐™ค๐™ง๐™ฎ ๐˜ฝ๐™š๐™๐™ž๐™ฃ๐™™.Pork Affordability: Philippines vs. New Zea...
15/10/2025

Something to think about ๐Ÿค”
๐Ÿ“๐˜พ๐™ค๐™จ๐™ฉ ๐™ค๐™› ๐™‡๐™ž๐™ซ๐™ž๐™ฃ๐™œ ๐™ž๐™ฃ ๐™ฉ๐™๐™š ๐™‹๐™๐™ž๐™ก๐™จ. ๐˜ผ๐™ฃ๐™™ ๐™ฉ๐™๐™š ๐™Ž๐™ฉ๐™ค๐™ง๐™ฎ ๐˜ฝ๐™š๐™๐™ž๐™ฃ๐™™.

Pork Affordability: Philippines vs. New Zealand
โ€ข Pork Price:
โ€ข Philippines: PHP 240โ€“300/kg (USD 4.40โ€“5.50)
โ€ข New Zealand: NZD 12.50โ€“12.90/kg (USD 8.13โ€“8.39)
โ€ข Pork in NZ is about twice as expensive as in the Philippines.

Daily Wage:
โ€ข Philippines: PHP 614 (USD 11.20)
โ€ข New Zealand: NZD 238 (USD 154.70)
โ€ข NZ wages are about 20 times higher than in the Philippines.

How Much of a Dayโ€™s Wage is Spent on 1 kg of Pork?
โ€ข Philippines: 40โ€“50%
โ€ข New Zealand: 5%

Analysis:
Even though pork is more expensive in New Zealand, wages there are significantly higher, making pork far more affordable. In the Philippines, a worker must spend nearly half a dayโ€™s wage to buy 1 kg of pork, while in New Zealand, it only takes a small fraction of their daily income.

This reflects broader economic differences:
โ€ข Higher wages in New Zealand offset the higher cost of pork.
โ€ข Lower wages in the Philippines make basic goods relatively expensive.
โ€ข Cost of living and purchasing power are much better in New Zealand.

Thus, while pork is physically cheaper in the Philippines, it is actually harder to afford compared to New Zealand.

โ„ข๏ธ
โ„ข๏ธ

San Miguel launches P30-B preferred share offer with dividend rates up to 7.54%San Miguel is back in the market with one...
14/10/2025

San Miguel launches P30-B preferred share offer with dividend rates up to 7.54%

San Miguel is back in the market with one of the yearโ€™s biggest share offerings.

The group is raising up to P30 billion through preferred shares priced at P75 each, with dividend rates set at 6.97 percent for Series 2-S, 7.26 percent for Series 2-T, and 7.54 percent for Series 2-U.

The offer runs from October 13 to 17, ahead of the planned trading debut on October 24.

๐Ÿ‘‡๐Ÿป๐Ÿ‘‡๐Ÿป๐Ÿ‘‡๐Ÿป

https://insiderph.com/san-miguel-launches-p30-b-preferred-share-offer-with-dividend-rates-up-to-754?fbclid=Iwb21leANbSDVjbGNrA1tIMGV4dG4DYWVtAjExAAEeUttpWNzP2rybBz2jwdXtptAh3hqNWOoesDLAVQYawl2y_lY9Ya68KVjxI1s_aem_R5v1Azu5nmxOxplripxPgQ

TURN ON YOUR EARTHQUAKE ALERTS! โš ๏ธSeconds can save lives. ๐ŸšจDuring the recent Cebu quakes, many Android users moved to sa...
14/10/2025

TURN ON YOUR EARTHQUAKE ALERTS! โš ๏ธ
Seconds can save lives. ๐Ÿšจ

During the recent Cebu quakes, many Android users moved to safety just in time โ€” thanks to the built-in Earthquake Alert System. For iPhone users step by step guide โฌ‡๏ธ

๐Ÿ‘‰ To activate:
Settings โ†’ Safety & Emergency โ†’ Earthquake Alerts โ†’ ON
(Also found under Location/Security on some phones)

โœ… Works on Samsung, Xiaomi, OPPO, vivo, realme, POCO, Huawei (with Google), TECNO, Infinix, Motorola, Nokia (Android), and OnePlus.

Prepare. Pray. Stay alert. Stay safe. ๐ŸŒ๐Ÿ’ช

Step by step โฌ‡๏ธ

โ€ผ๏ธ๐Ÿฅบ๐Ÿ™๐ŸปPeople will always have opinions about where you put your money. Pero at the end of the day, tayo lang mismo ang ha...
12/10/2025

โ€ผ๏ธ๐Ÿฅบ๐Ÿ™๐Ÿป

People will always have opinions about where you put your money. Pero at the end of the day, tayo lang mismo ang haharap sa mga consequences ng decisions natin at kung hindi tayo ready, tayo lang din ang kawawa. ๐Ÿ˜”

Protect your peace. Protect your future.

Gentle reminder๐Ÿซถ
โ„ข๏ธ
โ„ข๏ธ

๐ŸŽฏTruth be said.
11/10/2025

๐ŸŽฏTruth be said.

๐ŸšซWe don't look around to find and buy a parachute when we're at the edge of the cliff.โ€ผ๏ธIt's better to have it and not n...
11/10/2025

๐ŸšซWe don't look around to find and buy a parachute when we're at the edge of the cliff.

โ€ผ๏ธIt's better to have it and not need it, than need it and not have it.

โšกIf someone is depending on you, you need it.
It's the same if noone is depending on you and you only have yourself, you owe it to yourself.

๐ŸŽฏBe insured. Stay insured.

๐ŸซถProtection is always better than regret.

Gentle reminder
UM Tricia- Life Insurance and Non Life Insurance Specialist
โ„ข๏ธ
โ„ข๏ธ

๐Ÿ’กSomething to ponderโšกInflation is uncontrollable.And if our earning or spending is still aint enough, what's within our...
10/10/2025

๐Ÿ’กSomething to ponderโšก

Inflation is uncontrollable.
And if our earning or spending is still aint enough, what's within our control is how we can save more or earn more.

โ„ข๏ธ
โ„ข๏ธ

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