How old are you? And how much is your savings na?

[medwarc]

guys naa lang ko question, need ba gyud ang insurance?
kamo dri mga dagko na ug savings, did u guys invested in health or life insurance? did u already have a memorial plan, in case of emergency?

coz ive read posts about their savings, just want to ask if nag invest na ba sad mo ani aside from traditional businesses ninyo and paper assets.

thanks.

Sis, allow me to share my point of view. Some may not agree with me but I understand as we have different opinions. But first, dili pa ko dako ug savings. Labi na na Yolandahan sad mi. hehehe When it comes to insurance, I don't believe nga lifetime jud ta need ug insurance. But we need this as an income protection. We need this labi na nga naa pa ta sa start-up stage, meaning ga build pa ta ug wealth. Mu advise ra ko nga kuha ug insurance kung naay ga depend sa imo income like naa na kay family and you may be single but still you are the bread winner of the family. But you need to know unsa jud ang insurance nga mu fit nimo. For me, even nga naa koy insurance sa amo company, I still bought term insurance. Term insurance is the cheapest type of insurance. What I did is gi separate lang nako ang mutual fund ug ang insurance kay for me mas save ni nako and value for your money jud. Most sa gi offer sa mga insurance company is VUL combination sa insurance and mutual fund.

I have a health insurance and healthcare through sa amo company. But I did get Kaiser Long term healthcare and fully paid na. My reason is just to protect my investment during my retirement age. As noticed, ari na man gud nga age manggawas ang mga sakit so ari na usually ang financial disaster. Mao nang naa tay madungog nga mga story nga na wipe-out tawon ang mga napundar, tua ra padulong sa hospital. I don't want nga mahitabo na nako, simbako lang. Of course, target jud nako mapa mana sa ako family ang na invest nako, which is mao man jud na ang main purpose nako why I'm investing.

I don't have a memorial plan and no plan to get one. I'm not into pre-need. No offense lang sa mga pre-need agents here. But I'm rebuilding my emergency fund. Of course for emergency purposes. Na wipe-out man pag Yolanda.

Hope this help Sis.

[rey04]

https://www.istorya.net/forums/everyt...nvestment.html

Get one from the best insurance company in the Philippines...

As the saying goes "BAHALA WALANG IPHONE BASTA MAY IPON!!!"

[ashley85]

Sis, allow me to share my point of view. Some may not agree with me but I understand as we have different opinions. But first, dili pa ko dako ug savings. Labi na na Yolandahan sad mi. hehehe When it comes to insurance, I don't believe nga lifetime jud ta need ug insurance. But we need this as an income protection. We need this labi na nga naa pa ta sa start-up stage, meaning ga build pa ta ug wealth. Mu advise ra ko nga kuha ug insurance kung naay ga depend sa imo income like naa na kay family and you may be single but still you are the bread winner of the family. But you need to know unsa jud ang insurance nga mu fit nimo. For me, even nga naa koy insurance sa amo company, I still bought term insurance. Term insurance is the cheapest type of insurance. What I did is gi separate lang nako ang mutual fund ug ang insurance kay for me mas save ni nako and value for your money jud. Most sa gi offer sa mga insurance company is VUL combination sa insurance and mutual fund.

I have a health insurance and healthcare through sa amo company. But I did get Kaiser Long term healthcare and fully paid na. My reason is just to protect my investment during my retirement age. As noticed, ari na man gud nga age manggawas ang mga sakit so ari na usually ang financial disaster. Mao nang naa tay madungog nga mga story nga na wipe-out tawon ang mga napundar, tua ra padulong sa hospital. I don't want nga mahitabo na nako, simbako lang. Of course, target jud nako mapa mana sa ako family ang na invest nako, which is mao man jud na ang main purpose nako why I'm investing.

I don't have a memorial plan and no plan to get one. I'm not into pre-need. No offense lang sa mga pre-need agents here. But I'm rebuilding my emergency fund. Of course for emergency purposes. Na wipe-out man pag Yolanda.

Hope this help Sis.

sir salamat kaau sa imong insight. it helps a lot jud.
sir ako lng iclarify ha, naa kay life insurance. naa sad kay health insurance ug kaiser longterm healthcare.sakto ba?unsa diay kalahian sa health insurane nimo ug sa imo kaiser?

thanks sa reply sir.

[bugoykaayo]

Sis, allow me to share my point of view. Some may not agree with me but I understand as we have different opinions. But first, dili pa ko dako ug savings. Labi na na Yolandahan sad mi. hehehe When it comes to insurance, I don't believe nga lifetime jud ta need ug insurance. But we need this as an income protection. We need this labi na nga naa pa ta sa start-up stage, meaning ga build pa ta ug wealth. Mu advise ra ko nga kuha ug insurance kung naay ga depend sa imo income like naa na kay family and you may be single but still you are the bread winner of the family. But you need to know unsa jud ang insurance nga mu fit nimo. For me, even nga naa koy insurance sa amo company, I still bought term insurance. Term insurance is the cheapest type of insurance. What I did is gi separate lang nako ang mutual fund ug ang insurance kay for me mas save ni nako and value for your money jud. Most sa gi offer sa mga insurance company is VUL combination sa insurance and mutual fund.

I have a health insurance and healthcare through sa amo company. But I did get Kaiser Long term healthcare and fully paid na. My reason is just to protect my investment during my retirement age. As noticed, ari na man gud nga age manggawas ang mga sakit so ari na usually ang financial disaster. Mao nang naa tay madungog nga mga story nga na wipe-out tawon ang mga napundar, tua ra padulong sa hospital. I don't want nga mahitabo na nako, simbako lang. Of course, target jud nako mapa mana sa ako family ang na invest nako, which is mao man jud na ang main purpose nako why I'm investing.

I don't have a memorial plan and no plan to get one. I'm not into pre-need. No offense lang sa mga pre-need agents here. But I'm rebuilding my emergency fund. Of course for emergency purposes. Na wipe-out man pag Yolanda.

Hope this help Sis.

salamat sa information boss. Ask lang ko kung asa nga Insurance company ka nikuha ug Term insurance? how much imong yearly premium? until age of 65yrs old mostly akong nahibaw-an for term insurance pero maka extend ka if you want, is this the same sa imoha?

with regards sa Kaiser nga long term health care, both inpatient and outpatient ni cya? pila pud imong monthly premium ani bai? Hopefully maka share ka bai, daghang salamat

[medwarc]

sir salamat kaau sa imong insight. it helps a lot jud.
sir ako lng iclarify ha, naa kay life insurance. naa sad kay health insurance ug kaiser longterm healthcare.sakto ba?unsa diay kalahian sa health insurane nimo ug sa imo kaiser?

thanks sa reply sir.

In layman's term sis, si Kaiser(healthcare) is mao ni ang mu bayad during ma admit sa hospital while si health insurance, mao na ang para sa re imbursement. Site lang tag example, si Mr. A na hospital then wala syay healthcare but naa syay health insurance. Since wala syay healthcare, so cash jud ang pagbayad niya sa hospital. But naa man syay health insurance, bayaran si Mr. A sa tanan nagastos niya sa hospital. Mao na ang basic logic sis but of course naa pa nay mga technicality like pre-existing, etc.

[chrisvil]

i have been working for more than 20 years but til now I don't have even single centavo. Utang naa daghan...

[medwarc]

salamat sa information boss. Ask lang ko kung asa nga Insurance company ka nikuha ug Term insurance? how much imong yearly premium? until age of 65yrs old mostly akong nahibaw-an for term insurance pero maka extend ka if you want, is this the same sa imoha?

with regards sa Kaiser nga long term health care, both inpatient and outpatient ni cya? pila pud imong monthly premium ani bai? Hopefully maka share ka bai, daghang salamat

Sa Philam ni akoa bro, I paid P3530 then cover na ko for P1M for the whole year. Base sa product guide until age 69 ra bro. Then by the way, it depends ra nako if yearly ba ko mag renew.
Sa Kaiser, naa syay short term(just like maxicare) ari ma fall ang inpatient and outpatient while kadtong long term is inpatient ra jud to.

[bugoykaayo]

Sa Philam ni akoa bro, I paid P3530 then cover na ko for P1M for the whole year. Base sa product guide until age 69 ra bro. Then by the way, it depends ra nako if yearly ba ko mag renew.
Sa Kaiser, naa syay short term(just like maxicare) ari ma fall ang inpatient and outpatient while kadtong long term is inpatient ra jud to.

Boss daghang salamat sa info, pila pud imohang premium monthly sa Kaiser for long-term? pwede ko mamalihug ug PM sa agent nimo sa Kaiser boss?

Btw, ngano Kaiser man imong gipili boss ug dili man maxicare? any specific reason?

[brownie]

savings as is daghan man gibayran... 5 yrs puhon mo down na pd kog beach lot/villa lang para nay gamayng rest house... either in medellin, moalboal or in panglao... plano pa ni hinuon...

[racing]

Retirement plans is a must. #sINGLE