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[Xian120]

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akong account sa CFi akong gpa cancel.. kay akong savings nagkaanam ug kagamay kay wala koy loan2, deduct sa insurance ug other hidden charges, i tried to waive my insurance pero ako pay paadtuon sa insurance company, nya daghan pa kaayog requirements para ma cancel etc.. nya i they told me nga inorder to para mka claim ka sa insurance kinahanglan sila imong una pangayoan, what?! ive invested money sa insurance unya naay policy nga kinahanglan sila akong una duolon?!

another point that i have to mention is that my first loan was 40K ang nalimpyo ra nko kay 21K, imagine that, daghan kaayo'g hidden charges kung bag-o ka..

but this was before, ambot basin giusab na karon..

[shabua]

ayay! plano paman unta ko da sa cfi

[kkk11]

mao ba sayanga. paingon raba unta ko run para mag inquire sa ila..

[narfnarf]

kmusta na mga sir? pa update nya sa inyong experiences. karon lang nagka interest ug investing kay wa nay laeng lingaw.

akong account sa CFi akong gpa cancel.. kay akong savings nagkaanam ug kagamay kay wala koy loan2, deduct sa insurance ug other hidden charges, i tried to waive my insurance pero ako pay paadtuon sa insurance company, nya daghan pa kaayog requirements para ma cancel etc.. nya i they told me nga inorder to para mka claim ka sa insurance kinahanglan sila imong una pangayoan, what?! ive invested money sa insurance unya naay policy nga kinahanglan sila akong una duolon?!

another point that i have to mention is that my first loan was 40K ang nalimpyo ra nko kay 21K, imagine that, daghan kaayo'g hidden charges kung bag-o ka..

but this was before, ambot basin giusab na karon..

when sad ni nahitabo sir?

[awikaw]

akong account sa CFi akong gpa cancel.. kay akong savings nagkaanam ug kagamay kay wala koy loan2, deduct sa insurance ug other hidden charges, i tried to waive my insurance pero ako pay paadtuon sa insurance company, nya daghan pa kaayog requirements para ma cancel etc.. nya i they told me nga inorder to para mka claim ka sa insurance kinahanglan sila imong una pangayoan, what?! ive invested money sa insurance unya naay policy nga kinahanglan sila akong una duolon?!

another point that i have to mention is that my first loan was 40K ang nalimpyo ra nko kay 21K, imagine that, daghan kaayo'g hidden charges kung bag-o ka..

but this was before, ambot basin giusab na karon..

When ni siya nahitabo? Basin dugay na, kay ako naa ko savings capital then niloan ko, ako dividend mga ~15% ako net earning last year, subtracted na sa loan interest ug uban fees. Kato kay tungod prorated paman kay dli pa full year. so meaning mas dako pagyud unta if full year

[Xian120]

kmusta na mga sir? pa update nya sa inyong experiences. karon lang nagka interest ug investing kay wa nay laeng lingaw.



when sad ni nahitabo sir?

2010 cguro ko ato nagpamember...

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When ni siya nahitabo? Basin dugay na, kay ako naa ko savings capital then niloan ko, ako dividend mga ~15% ako net earning last year, subtracted na sa loan interest ug uban fees. Kato kay tungod prorated paman kay dli pa full year. so meaning mas dako pagyud unta if full year

naa koy co-worker nga nkabayad hinuon siya kay nahurot iyang savings sa cfi kay wala siyay loan2, so i've found out nga ilang health insurance policy is coterminous sa imohang membership, so as long as member ka naay kakabit nga health insurance, and it would eat up in your savings if wala kay loan2, so you have to constantly make sure nga naay kay dividend para masudlan imong savings, only way to do that is to apply for loan, or else put money in your account para dili ka mka utang sa ilang insurance.. so really what they are doing is encouraging you to loan,.. kung ganahan ka mo invest nila, mas maayo nga you put your money on somebody else's account then sabot2 lang mo..

naa pud silay scheme sauna katong panahon ni mama nga compulsory ka nga mopalit ug tupperware, then came katong compulsory shopping sa ilahang department store sa ubos, karon ambot unsa nasad...

gi try nimo ug compute from the start kung pila ilang gikuha sa imong savings ug other hidden charges then compare it to your dividend?

[awikaw]

2010 cguro ko ato nagpamember...

naa koy co-worker nga nkabayad hinuon siya kay nahurot iyang savings sa cfi kay wala siyay loan2, so i've found out nga ilang health insurance policy is coterminous sa imohang membership, so as long as member ka naay kakabit nga health insurance, and it would eat up in your savings if wala kay loan2, so you have to constantly make sure nga naay kay dividend para masudlan imong savings, only way to do that is to apply for loan, or else put money in your account para dili ka mka utang sa ilang insurance.. so really what they are doing is encouraging you to loan,.. kung ganahan ka mo invest nila, mas maayo nga you put your money on somebody else's account then sabot2 lang mo..

naa pud silay scheme sauna katong panahon ni mama nga compulsory ka nga mopalit ug tupperware, then came katong compulsory shopping sa ilahang department store sa ubos, karon ambot unsa nasad...

gi try nimo ug compute from the start kung pila ilang gikuha sa imong savings ug other hidden charges then compare it to your dividend?

Sa ako case ako man gipawaive. Ones ma waive na kay wala nko gi deductan yearly.
Wala mn sad nuon ko mga hidden deductions.

So far sa ako kay kato 15% ako gain net nana. Kay if dividend lang mga 19% cguro then bayad sa interest sa loan nko and life insurance, so mao to net 15% ko. So total gain ra ghapon ko

Pero if wala kay health insurance, I suggest kuha sa CFI, 100k coverage for just less than 10k, not sure if pila na karon. Save kau ka, mas dako pa ako gibayran sa amo company na health insurance, You will not know if you will need it. Dako kau na tabang

[awikaw]

atleast naka utang ka 20% sa total capital nmo.

30% na daw karon dapat iloan? Unsa ni katinuod?

[Allen]

suggestion lng for new member.
if mo invest mo for dividend, ayaw nlng ky ang new policy nag limit cla sa put up or fixed (capital). whixh is 50k ra.
ky tinood na ge mention ni @ xain 120.
imung dividend and patronage dli ka coup up sa charges, esp sa insuranace which is 7500 annual.

for old client, like members from 2008-2010 or 2012. limit to 200k capital.
which is which e utilized ang minimum loan amount, then pay at least 3-6months sa imung loan.
pra imung dividend patronage(feb5) and incentives and rebate(dec) mka coup up sa chrges and insurance... ug mka gain(profit ka).

its like dapat mka labang ka sa breakeven pra mo gain.

mao rana ako ma share idea

[narfnarf]

suggestion lng for new member.
if mo invest mo for dividend, ayaw nlng ky ang new policy nag limit cla sa put up or fixed (capital). whixh is 50k ra.
ky tinood na ge mention ni @ xain 120.
imung dividend and patronage dli ka coup up sa charges, esp sa insuranace which is 7500 annual.

for old client, like members from 2008-2010 or 2012. limit to 200k capital.
which is which e utilized ang minimum loan amount, then pay at least 3-6months sa imung loan.
pra imung dividend patronage(feb5) and incentives and rebate(dec) mka coup up sa chrges and insurance... ug mka gain(profit ka).

its like dapat mka labang ka sa breakeven pra mo gain.

mao rana ako ma share idea

sayanga mu apil raba unta ko. na ko e pm nya master.