PASSIVE Investors

[honey2723]

---

sah kasab-an! hahah

vinellax, you made my day...

[cheaptech]

P8,000---------------------------10--------------------P80,000

8,000/month

x 60 months (5 years)

480,000 you get 80,000 for the 5th year.

x 24 months (2 years)

192,000 you get another 80,000 on the 7th year (total amount invested 672,000)

x 24 months (2 years)

192,000 you get another 80,000 on the 9th year (total amount invested 864,000)

x12 months (1 year)

96,000 you invest

Principal money invested for 10 years = 960,000



you get 80,000 every 2 years for life

80,000 every 2 years/ 960,000

that is only 4.167% per anum

you will expect full return of your money in 26 years.

you can't call it a scam yet

but it gives you very low return for the money you put in it.

can you get back the entire 960,000 (principal money invested)?

if NOT. then you are just giving them money to GIVE back to you later.

But if the principal money is returned then you will be getting a very low return....

[honey2723]

P8,000---------------------------10--------------------P80,000

8,000/month

x 60 months (5 years)

480,000 you get 80,000 for the 5th year.

x 24 months (2 years)

192,000 you get another 80,000 on the 7th year (total amount invested 672,000)

x 24 months (2 years)

192,000 you get another 80,000 on the 9th year (total amount invested 864,000)

x12 months (1 year)

96,000 you invest



you get 80,000 every 2 years for life

80,000 every 2 years/ 960,000

that is only 4.167% per anum

you will expect full return of your money in 26 years.

you can't call it a scam

but it gives you very low return for the money you put in it.

can you get back the entire 960,000 (principal money invested)?

Hi cheaptech...

Thank you for your computations... The guaranteed pay-out are not the only guaranteed benefits you can get from this particular passive investment. There are the guaranteed cash savings of your plans, which is a bit hard to post here. So, if you want to learn more about the plan, I would be happy to sit down with you and explain to you the full details of the plan. I made some calculations of my own using excel vs putting your money in the bank, and mas daku jud ug returns kung long-term (I used a 30-year time table.) Ang GUARANTEED PAY-OUT, if you're going to leave it with the company to grow pa jud, kay mu-earn pa jud cya ug additional interest. Ang GUARANTEED SAVINGS, which will grow on a yearly basis, kay naa pud cya additional interest, which will vary based on economic status and company performance.

I have an excel file here that can show you the BIG DIFFERENCE in investing in this passive investment versus putting your money in time deposits, and I'd be happy to show it to you if you'd give me the opportunity. (At no commitment)

Based on the table, with the GUARANTEED SAVINGS plus the GUARANTEED PAY-OUT plus the interest earned (which is currently at 8%/annum), you can get your return (and a little bit more) at the end of 10TH YEAR! And the rest of it, would be pure earnings on your passive investment!!! How about that?!

I'm excited to show my excel file to you cheaptech at no cost...

[cheaptech]

The question is can I get the 960,000 principal amount after 10 years of 8,000 monthly contributions?

That is the money given to your company. What happens to the 960,000?

[tbag]

how can you say it's an investment scam do you have proof or news of dissatisfied clients I understand your pessimism due to the current scenarios but it's this kind of attitude that makes us poor. Whenever a legitimate opportunity comes around, people are left behind because they judged too quickly. You have the right to your opinion but make sure that your opinion is based on sound research. If you do a background check of the company offering this, it's a stable, dependable company that has been around for 98 years. And those that offered the quick-rich schemes, have only been around a fraction of the years that Insular Life has been. And if you've noticed, the guaranteed payment schedules are feasible returns based on the investment. The company has been practicing sound investment decisions and will continue to do so. And they don't intend to release such plans that will harm such operations. And another government body, the INSURANCE COMMISSION, does not allow ANY insurance company to easily release products or plans to the public if it is not feasible.

So, did you even check out any resources as to how this became an investment scam

Shoot me any questions, I'd be happy to EDUCATE you.

For those who are FINANCIALLY EDUCATED, I'd be happy to address your concerns. For those who are FINANCIALLY UNEDUCATED, I'd be happy to EDUCATE you AT NO COST. Financial illiteracy is the major cause why majority of the Filipino people are poor.

again its IMHO, for me its another investment scam, even if you're hooked up with insular life.
maybe you're the one who needs to be educated with internet literacy if you dont get what i mean.

samot na crisis karon, what happend to legacy? and all those other Pre need companies?

mu close na padung manghakot pajud panglast ug investors. maski kabalo na sila mismo mu sirahay sila. tsk tsk.

angay ni sa mga greedy, ug tapolan, if you dont wanna regret, make your own business, and not let your money sleep in other hands.

again its only IMHO.

come on flame me now

[koykoy]

I disagree that this is a scam. Insular life is a legitimate business and our company has been dealing with them for quite some time in the form of group life and group hospitalization insurance.

However, as to having the insurance company as an investment vehicle, I believe that it has very poor returns as enumerated by cheaptech. You really cant compare it with time deposits since they dont have the same risk classification.

[honey2723]

Try ko lang ug butang sa table diri...

a)End of Year
b)Annual Premium
c)Guaranteed Anticipated Payments (Not withdrawn, stayed with the company to grow)
d)Guaranteed Basic Cash Values
e)Accumulated Anticipated Endowments
f)Total Living Benefits including Dividends

a--------b-------c--------------------d------------------e----------------f
1-----99,490.00---0---------------------0-------------------0---------------0
2-----99,490.00---0----------------32,000.00----------------0----------32,001.00
3-----99,490.00---0---------------232,000.00----------------0---------232,002.00
4-----99,490.00---80,000.00-------252,000.00-----------80,000.00------332,003.00
5-----99,490.00---0---------------354,000.00-----------86,400.00------440,405.00
6-----99,490.00---80,000.00-------383,000.00----------173,312.00------556,318.00
7-----99,490.00---0---------------493,000.00----------187,177.00------680,184.00
8-----99,490.00---80,000.00-------530,000.00----------282,151.00------812,160.00
9-----99,490.00---0---------------649,000.00----------304,723.00------953,734.00
10----99,490.00---80,000.00-------697,000.00----------409,101.00----1,106,114.00
11----------------0----------------738,000.00----------441,829.00----1,179,844.00
12----------------80,000.00--------703,000.00----------557,175.00----1,260,192.00
13----------------0----------------745,000.00----------601,750.00----1,346,768.00
14----------------80,000.00--------710,000.00---------729,889.00-----1,439,911.00
15----------------0----------------752,000.00---------788,281.00-----1,540,305.00
.
.
.
30----------------80,000.00--------781,000.00--------3,666,878.00----4,447,982.00

TOTAL PAYMENT = 994,900.00
ACCUMULATED ANTICIPATED PAYMENTS / GUARANTEED PAY-OUT @ 8%/ANNUM = 3,666,878.00 TOTAL FUNDS after 30 years (GUARANTEED PAY-OUT + GUARANTEED CASH SAVINGS + INTEREST EARNED @ 8%) = 4,447,982.00

ROI of total investment vs accumulated pay-outs = 369%
ROI of total investment vs total funds = 447%

WHEW!!!! kuti jud ning mag-himo ug table diri sa forums oi! nganong dili man jud ma-apil ug paste ang columns sa tables... tsk, tsk, tsk... anyways, cheaptech and to all who would be interested, I hope I have enlightened you a little bit with this make-shift table... Kini cya nga table kay based ni cya sa 40y.o. person with the P80,000 Guaranteed Pay-out, 10 years needed to invest... So, what do you think??

Now, if for whatever reason you want to get your returns in less than 10 years time, kung pila tong corresponding LIVING BENEFITS niya, maoy possible makuha sa investor... POSSIBLE lang kay mu-depende man cya sa interest earned thru the years... So, I suggest, if you are truly interested to participate in this particular business plan, I would suggest you get in touch with me coz posting here will lead us nowhere... You (people who are interested) need to act on this before this opportunity passes up. I already did...

again its IMHO, for me its another investment scam, even if you're hooked up with insular life.
maybe you're the one who needs to be educated with internet literacy if you dont get what i mean.

samot na crisis karon, what happend to legacy? and all those other Pre need companies?

mu close na padung manghakot pajud panglast ug investors. maski kabalo na sila mismo mu sirahay sila. tsk tsk.

angay ni sa mga greedy, ug tapolan, if you dont wanna regret, make your own business, and not let your money sleep in other hands.

again its only IMHO.

come on flame me now

i respect your opinion tbag. And if that's what you're really thinking, then it's not my loss...

I'm not saying that this one is for all... This is just an opportunity presented to the people who wants to diversify whatever they have... Yes, crisis karon but diri pud daghan ug opportunities if you know where to look... You don't need to educate me about the internet, coz I know this already.

To think about it, even though with all these issues arising, why do you think I'm putting myself and my company on the line here Because I am confident with this plan and what my company is doing. History repeats itself... Sa mga ni-agi nga financial crisis all over the world, the economy was able to pick itself up. So did the people. So, even though nag-crisis na karon, naa gihapon nakit-an nga opportunity si Insular and i'm just trying to put the word out... If dili ka ganahan, then don't mess up this opportunity for others. I do welcome your pessimism, it allows me explain and hear what others are not able to hear.

and you said nga angay ra ni sa mga GREEDY AND TAPOLAN?! now, I know for a fact that there are a lot, I mean A LOT of CHINESE INVESTORS and RICH people who are investing in insurance plans. Now, tell me, are they GREEDY and TAPOLAN? These kind of people have a different mind set than yours and that is the reason why they are successful and you're ahem... (If you know what I mean)

As for business, yes! Do put up your own business. But with this opportunity, as what I've mentioned earlier, is for diversification of your funds. Bisan naa pakay business diha, naa kay laing means of income... Passive income. Kay bisan business pa na, then pirmi ra ka tutok sa imong business, what do you think will happen if dili na nimo lihukon imong business, do you think mu-earn gihapon imong business?? Most probably, ma-hagba jud na imong business jud... But with this opportunity right here, mag-business man ka or mag-work ka, and nag-passive investment lang ka, later on, wala ka kabantay, nga ang imong passive investment, could actually allow you to enjoy luxuries in life that you may not have thought of doing so while you're working hard... WORK SMART, DON'T WORK HARD... working hard is not the the easiest way to richness, but WORKING SMART will do that for you.

I am now done with you... I ask the Lord to bless your mind and for you to see the light... Hots ra kaau ka... Negative ra kaau ka... Try to see the light on the other end.. I will not waste my time with you anymore kay precious ra kaau akong time i-spend with negative people...

[Vinellax]

kaila mu ni pia diha insular ms?

[honey2723]

I disagree that this is a scam. Insular life is a legitimate business and our company has been dealing with them for quite some time in the form of group life and group hospitalization insurance.

However, as to having the insurance company as an investment vehicle, I believe that it has very poor returns as enumerated by cheaptech. You really cant compare it with time deposits since they dont have the same risk classification.

thank you koykoy for the comments...

murag wala pa tingali ka ka-view sa table nako when you posted this...

I understand where you're coming from when you said nga lahi ug risk classification ang time deposits ug insurance plans. Mu-depende man sad nuon nang risk kung asa ka nag-tan-aw... Now for example, if nag-butang ka sa banko ug money ug equivalent amount sa imong gi-invest passively with an insurance company (any insurance company), then the bank suddenly closes up, how much do you think PDIC will cover you? P250k per account right? Now, what if wala nimo gi-spread to different accounts ang imong time deposit and nilapas sya sa P250k limit sa PDIC? Ma-alkansi jud ka.If you'll think about it, naa gihapon risk bisan sa banks.

Now going to an insurance company, kung pila ang gi-state nga return sa imong proposal ug contract mao man jud na ang dapat nimo makuha. Bsan if mu-state ang insurance company nga mu-stop sila sa ilang operations, dili man pud na sila maka-basta2x ug sarado... They are required by the Insurance commission to pay-out all the benefits of their policy holders before they can stop their operations. So, kung imong tan-awon pud ingon ani nga perspective, mas ganahan ko sa risk with an insurance company. (AND AGAIN, THERE'S A DIFFERENCE BETWEEN INSURANCE COMPANIES AND PRE-NEED COMPANIES. I already posted about this difference diri sa istorya, and sa mga wala pa nakahibaw, I urge you to read that for more info.)

Anyways, going back, again, this is not for all... Mao bitaw pagsugod pa lang sa thread ani, naa nay mga pre-qualifying questions, so if wala mo didto, then this is not for you... Simple as that... I am not forcing this to ALL OF YOU... This is for the privileged few only...

The question is can I get the 960,000 principal amount after 10 years of 8,000 monthly contributions?

That is the money given to your company. What happens to the 960,000?

kindly check the table for the answer to your question... thanks

kaila mu ni pia diha insular ms?

PIA Unsa cya nga district? Agent cya or employee jud insular? Kay sa akong ma-huna2x karon, murag walay pia musod sa akong huna2x... hehe hinuon, dili man kaau ko mu-stay jud sa office kay nag-office man ko sa amo rang balay...

[cheaptech]

Try ko lang ug butang sa table diri...

a)End of Year
b)Annual Premium
c)Guaranteed Anticipated Payments (Not withdrawn, stayed with the company to grow)
d)Guaranteed Basic Cash Values
e)Accumulated Anticipated Endowments
f)Total Living Benefits including Dividends

a--------b-------c--------------------d------------------e----------------f
1-----99,490.00---0---------------------0-------------------0---------------0
2-----99,490.00---0----------------32,000.00----------------0----------32,001.00
3-----99,490.00---0---------------232,000.00----------------0---------232,002.00
4-----99,490.00---80,000.00-------252,000.00-----------80,000.00------332,003.00
5-----99,490.00---0---------------354,000.00-----------86,400.00------440,405.00
6-----99,490.00---80,000.00-------383,000.00----------173,312.00------556,318.00
7-----99,490.00---0---------------493,000.00----------187,177.00------680,184.00
8-----99,490.00---80,000.00-------530,000.00----------282,151.00------812,160.00
9-----99,490.00---0---------------649,000.00----------304,723.00------953,734.00
10----99,490.00---80,000.00-------697,000.00----------409,101.00----1,106,114.00
11----------------0----------------738,000.00----------441,829.00----1,179,844.00
12----------------80,000.00--------703,000.00----------557,175.00----1,260,192.00
13----------------0----------------745,000.00----------601,750.00----1,346,768.00
14----------------80,000.00--------710,000.00---------729,889.00-----1,439,911.00
15----------------0----------------752,000.00---------788,281.00-----1,540,305.00
.
.
.
30----------------80,000.00--------781,000.00--------3,666,878.00----4,447,982.00

TOTAL PAYMENT = 994,900.00
ACCUMULATED ANTICIPATED PAYMENTS / GUARANTEED PAY-OUT @ 8%/ANNUM = 3,666,878.00 TOTAL FUNDS after 30 years (GUARANTEED PAY-OUT + GUARANTEED CASH SAVINGS + INTEREST EARNED @ 8%) = 4,447,982.00

ROI of total investment vs accumulated pay-outs = 369%
ROI of total investment vs total funds = 447%

WHEW!!!! kuti jud ning mag-himo ug table diri sa forums oi! nganong dili man jud ma-apil ug paste ang columns sa tables... tsk, tsk, tsk... anyways, cheaptech and to all who would be interested, I hope I have enlightened you a little bit with this make-shift table... Kini cya nga table kay based ni cya sa 40y.o. person with the P80,000 Guaranteed Pay-out, 10 years needed to invest... So, what do you think??

Now, if for whatever reason you want to get your returns in less than 10 years time, kung pila tong corresponding LIVING BENEFITS niya, maoy possible makuha sa investor... POSSIBLE lang kay mu-depende man cya sa interest earned thru the years... So, I suggest, if you are truly interested to participate in this particular business plan, I would suggest you get in touch with me coz posting here will lead us nowhere... You (people who are interested) need to act on this before this opportunity passes up. I already did...

i don't know how you got that 99,490 per year

8,000 a month x 12 months = 96,000

and you said you get 80,000 at the 5th year and every 2 years thereafter.

Going back to my computation:

8,000/month

x 60 months (5 years)

480,000 you get 80,000 for the 5th year.

x 24 months (2 years)

192,000 you get another 80,000 on the 7th year (total amount invested 672,000)

x 24 months (2 years)

192,000 you get another 80,000 on the 9th year (total amount invested 864,000)

x12 months (1 year)

96,000 you invest

Principal money invested for 10 years = 960,000



5th year 80,000
(every 2 years)
7th year 80,000
9th year 80,000
11th year 80,000
13th year 80,000
15
17
19
21
23
25
27


What I am asking is after 10 years of giving 8,000 a month (Totals 960,000)

What happens to that 960,000?

I am not saying I will pull out before 10 years....

I am asking what happens to that 960,000 after I have completed the 10 years of contribution?

from your presentation its 80,000 every 2 years for life.

is that all? what happens to the 960,000?

lets keep it simple.


there is already 960,000 in the company.