Engr. Excel

31/08/2023

24/08/2023

02/06/2023

Getting life insurance will not make us rich but it will prevent our love ones from getting poor in case a S.A.D.D. events (Sickness, Accident, Disability, Death) will strike upon us.

02/06/2023

https://youtu.be/JPeddLvqQV0

Congress and the White House have to — yet, again — agree to raise the debt ceiling before the default deadline of June 1, 2023. While both parties disagree ...

30/05/2023

Learning "How to Pick Good Stocks" thru Col Webinar together with my Prufriends.😍

29/05/2023

You'll never have regrets if you will start saving and investing as earliest possible because you will be giving a great favor for your future self and your Family's future.

29/05/2023

Policy Anniversary Review with my OFW Civil Engr client. Actually ang insured ay ang kayang Tatay.
As a breadwinner, she make sure na iinsure muna kanyang Family member kasi if ever may unwanted event na mangyari dito ay hindi lang sya mamomroblema emotionally pati financially na din. Wise decision Ms. "C."
Then plan nya iinsure ang sarili once makauwi sya dito sa Pinas. I can say na very2x responsible sya na breadwinner. She really working hard for her family.
God bless you always Ms. "C." I'm always her as your FA to guide you in your financial journey. 😇

Ikaw, INSURED INVESTOR ka na din ba?

28/05/2023

PLEASE READ TILL THE END:

Sorry kung makulit ako, lalo sa mga kaibigan at kakilala...

🍂🍂🍂🍂🍂🍂🍂🍂

My friend from college became successful when she got promoted three times in a multinational company she is currently employed.

During the stint of her success, she managed to get a condominium and a brand new car as a reward for herself. Her properties are expensive that she needs to back those up with insurance. Since she managed to secure her properties with insurance,
🤷I asked her "IKAW? Kailan mo ikukuha ang sarili mo ng personal insurance? Ikaw nagbabayad ng lahat ng yan...."

🧏She goes, "Sige, pagusapan natin yan pag may time ako. Busy pa. Di ko pa yan mahaharap."

🤔 I was silenced.

🤷During free days, we would usually explore the restaurants and coffeeshops around the metro. In one of our weekend shopping sprees,
🧏she once jokingly told me "diba ang mga mayayaman may mga imported na a*o?" - she got herself a chihuahua. 🐕

❤️She loves to travel. She is indeed a wanderlust. She would reward herself an out of the country or out of town trips during long weekends. Batanes. Coron. Siargao. El Nido. Amanpulo. UK. USA. Japan. Korea. Canada. Australia. She has been to almost all the places one can dream of.

Her life was blissful until...

One day, she felt a sudden pain gushing through her stomach down to her pelvis. The pain became unbearable in less than an hour that she needs to ask her neighbor to drive her to the hospital.

She was rushed to the ER.

Sedated. Confined.

The test went back with the result: COLON CANCER. Stage 3.

Her age? 31.

She called me up soon as she was able to gather her self from shock. I rushed to the hospital and comforted her. She's afraid to die but she was more concerned about the expenses she will face from that day forward.

She then said helplessly "Sis, baka pwede nating gawan ng paraan yung insurance na inooffer mo? Okay lang kahit doblehin ko na lang yung premium..."

👩‍❤️‍💋‍👩I hugged her so tight that I cannot help my tears 😢from falling down my cheeks in deep regret. I whispered, "Sis, I am sorry. Wala na akong magagawa sa insurance na kailangan mo..."

We cried. 😥

She eventually resigned. Sold her condominium and her car to finance her treatments. Her puppy was adopted by another friend. She drained all her savings and owed some banks and friends some money. Her then co-workers passed the hats to help. She was broke.

She battled for two years but she was not able to make it. Leaving her family grieving and in debt. Leaving me with great regret.

She made me learn one thing: If you love your friends and if you are truly concerned with the people around you, insist to help them before it is too late.

So, if I come around bugging you about insurance, do not ignore it... Because if you are concerned about your family, you will be more than willing to sit down with me and talk: HOW MUCH DO YOU LOVE YOUR FAMILY?👪

Send Me Direct Message if youre Interested to know more about Life Insurance🤷

ctto.

27/05/2023

Libreng coverage against Dengue, Measles, Malaria, Typhoid for 175,000 newborn babies, para panatag sina mommy at daddy. That’s ! PM me or contact me via my details below.

26/05/2023

Success is not just about talent, skills, or hard work—it’s also about having the right mindset for your brand! ‘Yan ang tunay na Tatak ng Tagumpay!

Alamin ang tamang brand-building mindset for your business straight from the Chairwoman of Philippine Franchise Association, multi-awarded entrepreneur and CEO, and best-selling author, Sherill Ramos Quintana.

Join digital startup entrepreneur and mentor, Zara Carbonell, as she steers this insightful discussion and shares practical branding tips for biz owners!

Register now for FREE and get a chance to win exciting prizes during the webinar: https://bit.ly/PRUWiseJune13

May PRUgreso sa Negosyo dahil katuwang mo kami sa tuluy-tuloy na pag-asenso. That’s !

26/05/2023

How we budget and spend our hard-earned income will determine if we are going to be financially successful or not in our life. 🤔

If our income is not yet that big, live within our budget first. Prioritize the "needs" first.
As our income increases, don't spend the excess money yet in "wants", rather save it first and build our emergency fund that worths 3x to 6x of our monthy income.

Get protected and insured ourselves and our Family. This will protect us and our Family from life uncertainties and will prevent us from being poor.

If we still has our disposable income, invest it and allow it to grow. Do it repeatedly until our money works hard for us and we no longer have to work. That's what we call "Financial Freedom." This is the point that we are no longer have to worry about how we are spending and we can live our life within our own terms.

See, it will all start with how we budget.
God bless us all in our Financial Journey. 🙂

Want to know if your cashflow is healthy?
Want to effectively improve how you budget?
Let me help you!😃

Message me so I can guide you for FREE. 😊

23/05/2023

Ano ang "Sandwich Generation?"
For sure ay madalas nyo nang naririnig ang katagang ito.

For example kaJuan, isa kang BREADWINNER sa iyong magulang at mga kapatid. Dumating ang point in your life na nagkaroon ka na ng sarili mong Pamilya. Currently ay sinusuportahan mo ang iyong asawa't anak as a responsible father to them, at the same time ay need mo pa din isupport ang magulang mo at magpaaral ng mga kapatid as a loving and responsible son / daughter to them.
In short ay naiipit ka sa dalwang henerasyon. Eto ang tinatawag nating "Sandwich Generation."

I'm not saying na sisihin natin ang ating mga magulang sa ating situation kasi ay malamang ay hindi rin sila naturuan ng Financial Literacy during their time. Kaya kaJuan if ayaw mo na ipaexperience pa sa magiging future na mga anak at apo mo ang maipit din sa "Sandwich Generation" ay kelangan sa iyo magsimula ang pagbabago.

Di ba ang sarap isipin na kapag nagretire na tayo ay FINANCIALLY INDEPENDENT tayo at hindi natin ioobliga ang ating mga anak for financial support.
Bagkus tayo pa din ang magtetreat sa kanila at sating mga apo kelan man natin gustuhin.
What's great about this is the moment na makapagwork na sila ay maaga silang makapagstart iachieve ang mga financial goals nila in life. I guarantee you na sobrang maging grateful sila satin sa ganoong lifestyle na ipapamana natin sa kanila.

Let's all break that cycle! Let's all be FINANCIALLY LITERATE!

21/05/2023

Kung ikaw ang taong naniniwala sa "YOLO" na ang ibig sabihin ay "You Only Live Ones," I totally agree din sa statement na ito na deserve ng "PRESENT SELF" natin ang mag-enjoy dahil sa mga hardwork and sacrifices natin ngayon.💯
Pero tama din ba na deserve din ng "FUTURE SELF" natin ang mag-enjoy? Anung sa tingin mo kapatid? 🤔
Definitely "Yes" na deserve ng future self natin ang mag-enjoy. Deserve natin lahat ng "VERY COMFORTABLE RETIREMENT" kasi di biro magtrabaho ng ilang dekada di ba? 👴👵
So kung sa tingin mo "DESERVE" ng "FUTURE SELF" mo na mag-enjoy ay "MAG-IPON KA" as earliest as today. 😊

18/05/2023

Pwedeng pwede i-grow ang savings! Samahan si Burn Gutierrez for practical money tips. Episode 1 happens on 15 June (Thursday) at 6:00 p.m.

Register na: bit.ly/PRUSapangOFWEp1

Pwedeng pwede i-grow ang savings! Samahan si Burn Gutierrez for practical money tips. Episode 1 happens on 15 June (Thursday) at 6:00 p.m.

Register na: bit.ly/PRUSapangOFWEp1

18/05/2023

Anu nga bang kaya nating gawan ng paraan in case of emergency? Php 84/day o instant Php 1Milyon? 🤔

Kung meron tayong natatagong Php 1 Milyon at okay lang satin na magastos natin ito ng isang biglaan para sa mga emergency gaya ng aksidente o critical illness ay iignore nyo na ang post na ito.

Pero kung ikaw ang taong ayaw mong maubos ng bigla ang nga naipundar mo ng ilang taon na pagtatrabaho ay bagay sayo ang Insuravest Plan namin kay Pru, imagine in just Php84/day may instant emergency fund ka agad na makukuha in case may dumating na mga hindi inaasahang mga pangyayari sayo at sa pamilya mo.

Be an Insured Investor today!

16/05/2023

𝙔𝙊𝙐 𝙋𝙇𝘼𝙉𝙏 𝙄𝙏 the day you sign your insurance application.

𝙔𝙊𝙐 𝙒𝘼𝙏𝙀𝙍 𝙄𝙏 by regularly paying for its premium.

𝙔𝙊𝙐 𝙏𝘼𝙆𝙀 𝘾𝘼𝙍𝙀 𝙊𝙁 𝙄𝙏 by not letting it lapse, and constantly amending/increasing your coverage.

Several years after, you will see a 𝙁𝙐𝙇𝙇 𝙂𝙍𝙊𝙒𝙉 𝙏𝙍𝙀𝙀.

A 𝙏𝙍𝙀𝙀 that will give you 𝙁𝙍𝙐𝙄𝙏𝙎 to enjoy (withdrawable fund value and other living benefits) and enough 𝙎𝙃𝘼𝘿𝙀/𝙎𝙃𝙀𝙇𝙏𝙀𝙍 (death benefit) for your loved ones. ♥️