Posted in life

Financial Literacy = Money for Life

Financial literacy is the key to have money for life. It is among the best way to achieve financial freedom that each one of us needs in order to live a life that will enable us to eat enough, pay for our bills and sustain the needs of our loved ones.

Only few would understand the essence of living financially free for the future. Because everyone is busy increasing the wealth that we earn from work or business, not all of us will be mindful about sudden sickness and even death. Considering that, it is always advisable to take advice from the money experts in order to be financially literate.

Literacy on finances may be typical and common knowledge for almost all of us. Others would think that it is about spending below your means while for others, it is all about savings and depriving oneself with material indulgence.

In reality, even though financial literacy is a common knowledge, many still continue to belong in the low income society. To live in a third world country like the Philippines where the poor outnumbered the rich people, it is very hard to envision a brighter future for the next generations.

How to be financially literate?

Aside from getting effective tips from the experts and professionals of the field, it is also ideal to take into account the other methods of compulsory savings. One of such is to entrust a company that is true to its claim and process right from the beginning. Among the top companies we can trust is Sun Life Financial Philippines. The company has been servicing more than 2 million Filipinos for the past 122 years.

How can Sun Life help you to have #moneyforlife?

Sun Life offers not just the traditional insurance plans that are mostly on the death benefit side. Currently, it is encouraging us to invest not just on insurance but also through variable universal life plans with investment component.

Of course, it would still depend on the needs of the clients considering that Sun Life is a need based company. Not all clients would like an investment that may go up or down depending on the market. If they are looking for guaranteed returns at a fixed interest rate after a certain span of time, it is best to have the traditional plan. Such would offer cash value that is guaranteed on its maturity date.

Aside from the above mentioned, the company also offers pure investment (Mutual Fund). For a minimum amount of P5,000.00, clients can already save money for their future.

The best thing about savings nowadays with a trusted company like Sun Life is that it partnered with the leading banks to allow easy fund transfer. Each month, a client is allowed to automatically save at least P1,000.00 directly to Sun Life. The process is also allowed for premium payment on VUL or Variable Universal Life plans. This is why, more and more people are investing on this product because it makes it more convenient to pay the premiums.

Overall, Sun Life truly offers several products that can help make more Filipinos to be financially free by being financially literate to have Money For Life.

 

 

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Can You Possibly Have Money for Life?

The answer is absolutely a big YES. Most people are looking for financial freedom. Who would not want to be financially free for life, right? Given such, the best way to make things done is to be financially literate. Literacy on finances can be a very common thing for most people. Many may tell that it is all about budgeting and saving some of the monthly salary or business funds.

The truth is, even though many of us already know the 1-2-3 or ABCs of saving for the future not all of us can proudly say that we have money for life. These are some reasons why:

* You save today and not tomorrow. Savings must be a routine. It should not be something that you do when few funds is left from your salary. The standard process should be by the time you get hands off on your pay check, there should automatically allocation for savings and emergency fund. Today, when an employee gets hold of pay check, it has already been deducted with loans that should be settled in a certain amount of time.

* Money is spent right before it is earned. It is very hard not to be tempted to renovate the house, buy a new car, gadgets and even clothes and shoes from the huge sale at the mall. There will even be instances when we say to ourselves that we work hard and thus we deserve that brand new branded bag. Yeah, we may truly deserve one. Yet saying the same phrase each month may no longer be normal. Like what was stated above, most pay salaries only good to pay off that minimum amount due of a credit card bill.

* People save money only in banks. There is nothing wrong in saving in banks. Yet, it is also a better idea to think about other options on how to make money grow better without worrying on inflation and too much tax.

* Do business while employed. Most people may argue as to why they need to work when they already have a profitable business. Yeah, having to put up your own business also requires much of your time. But let’s face it, not all businesses last for decades. It is better if you have an alternative means of income. It is just a matter of having an alternate source of funds in case there is an economic down turn.

Other ways to prepare for the future to have Money For Life

* Trade on stocks. This way of investment may require not just time but also knowledge. It is because you will personally need to make a wise choice on where to put your money. It will require deep understanding of the market.

* Bonds. There are companies that offer this kind of investment. Government agencies even promises guaranteed rate of interest on bonds. Here, there is no need to worry a lot because the company where you invested the money will ensure your money will accumulate pretty much good return of interest.

* Mutual Fund. When you invested on mutual fund, you no longer need to worry much about the funds because there are fund managers who will take care of it.

Which company could offer #moneyforlife?

Since in the beginning of this article, I have already mentioned that money for life is possible, it is best to know which company can offer it to you. All you need to do is to say yes to their offers and you will be on the right track of being financially free. The company is none other than Sun Life. Although most people can brand it as an insurance company, the good news is, it is more than just offering life insurance. Currently, the company offer several products that can give you the protection that you need in case of sudden death and also living benefits should you need money to enjoy life ahead of you or your family.

Considering that the way to be financially free is to first have a life insurance, yeah you can contact your most trusted financial advisor and get one. But the good thing is, you can now hit two birds in one stone. It is by getting a life insurance while your money grows. It is with the latest variable universal life products of Sun Life that gives you pretty good death coverage while a portion of your premium paid goes to your investment. This is a very good offer that all Filipinos need to take advantage of. The fund value that comes with it can be used for future goals like to build a house, buy a new car, fund education or income protection upon retirement. Truly, anything is brighter under the Sun.

 

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Why Financial Literacy Matters to US?

In a world full of tempting things to satisfy our eyes, it is very hard to stay financially literate. Although a lot of us know the essence of saving money for emergency funds, not everyone has one. It is a sad reality that most Filipinos have. We have several banking and financial institutions here in the country yet very few has their own savings account. Why? It is probably because these famous institutions likewise offers loans that also tempts us to take full advantage of in order to have all our wants satisfied.
Financial literacy is part of our day to day living. It is how we should know the essence of different financial channels like checking account, the use of credit cards and some effective ways to prevent being in debt for all of our lives. When we are financially literate, we are able to balance our funds. Such funds can be from our business or salary. This is where of which we can finance our home, bills, current educational fees, future educational fund and steady income for retirement.
It may too hard to resist temptation especially if we always see the big signs from the malls that there is an ongoing sale. However, it is likewise as important to think about tomorrow rather than squandering all your pay check for your wants today and just get a loan tomorrow.
With several financial institutions to choose from these days, you need to be able to trust a company that will not only support you for all your wants but most importantly is a company that can push you to save for your future.
Lucky us, we have a trusted company that has been servicing the Filipino people for the past 122 years and still counting. It is a company that is always true to its promise that everything is brighter under the sun. Sun Life is among the most trusted and reputable insurance company in the Philippines. It offers several products that cater to the future needs of its clients. With products that we Filipinos can count on, we sure can be able to save our hard earned money to fulfill our future milestones.
Sun Life offers traditional products that give the insured person guaranteed amount of protection and cash savings. While on the other hand, its variable universal life products that have taken the market like a storm offers good insurance coverage with a component of investment package. Although the later does not guarantee any amount of fund value considering that it is an investment, it still gives the insured person the peace of mind that he needs that if in case life gives me something unexpected, the dreams that he or she has for the loved ones will continue to be fulfilled.
All it takes is a practical decision to allow Sun Life to change your life. It may be a 5, 10 or lifelong commitment to save part of your salary or earnings but at the end of the day, getting a policy is not just a business earned by Sun Life but moreover a protection that you need while you take on the journey called life.

Posted in life

OPPO F1s: Summer Destination

Summer is fast approaching. The days were gone when everyone was feeling cold due to the cold winds of Amihan. Nowadays, the sun always gives us the heat that can quickly dry up our clothes. This can imply that summer is just around the corner. This is my favorite season not just for the fact that my daughter and I no longer have to wake up early for school but also to spend some family bonding.

This was taken inside the compound of Grand Palazzo at Cioccolo. The place was great and truly perfect for wedding receptions, debut or other huge gathering. The food was enticing. The other family by the way is the family of my Aunt.

The photo below was taken during our last summer vacation. We had one spent in Fontana, Clark. It was a great one because we get to spend a day swimming at the hot spring park.

Hubby and daughter

We got in early to spend more hours at the pool. We decided to spend some time here so we can still go shopping later the afternoon. It only took us less than 2h to reach Clark but we already checked in the hotel a day before we went swimming.

another view

Although the water at the pool is a bit hotter than the usual, we still enjoyed it. It is like getting water massage while we relax.

For this summer, we are planning to go to Subic or Baguio and I must agree that Oppo F1s should be part of our next adventure. With the help of Oppo F1s, I can take better looking pictures and selfies. I can surely post more beautiful and clearer images of the view with its whooping 16MP front camera. Selfie Panorama feature can also ensure that everyone will not be left behind with our groupfie.

Oppo F1s is also perfect for on the mommy like me with its 3GB Ram, I can ensure to surf faster than ever before. This can be very useful for getting accurate directions and switches from one app to another.

The dual sim capability is also useful when traveling. This matters a lot if in case one of the network provider does not have good signal in some locations, I have a back up sim for reliable connectivity.

Where is your next planned vacation? Share your thoughts below.

 

 

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Posted in life

MoskiShield: Is it worth the hype?

We are from the Philippines. Our country is quite rich with culture, beaches, food and natural resources. One more thing that we are rich in would be mosquitoes. In fact, there was even a time when dengue outbreaks were declared in some municipalities. It is a sad but an actual fact.

Dengue is caused by a mosquito that carries the virus. Once an infected mosquito bite you and your immune system is not good enough, high chances are you are at risk to develop this deadly condition. The dengue carrying mosquitoes usually attack during mid afternoon. However, as the world evolves, it can attack its victim anytime.

Kids are usually infected with the disease. Hence, there are so many big brands in the industry that produce repellent lotion, sprays, colognes, and others. What’s more? There are even bracelets and patches that were invented. One of such is MoskiShield.

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This repellent patch states on its package that it is 100% natural free from deet. Thus, it is such a hit for most consumers. It is self adhesive patch and anyone can use it easily. I am one of those who was lured to try it. Since I have a 7 year old daughter, I should ensure she is always safe from this kind of diseases.

It can be purchased per box with 24 patches. The photo above contains 6 because the 24 patches is divided into 4 zip locks. One box costs around P150. As you can see, the designs are pretty cute and any child would want one on their clothing. FYI, the patches should not stick on the skin. It needs to be on the clothes.

When you open  the zip lock, you can smell a strong smell of I cannot explain what that is. But the strong smell is its way to repel mosquitoes. It states on the package that the user can be protected up to 24 hours. However, when we once used it, my daughter still complains of mosquito bites. Too bad.

If you will ask me, if this is worth to try, I may not recommend it. Although it is very handy and easy to use without any messy application required, I might not buy another one again.

Have you also tried it? Share your thoughts!

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Wifey and Mommy

I am a wife to my long time partner for 14 years. We started out as text mates back in 2001. We were both in 4th year HS back then. We became official also through text (too cheap, i know but it lasted, so it does not really matter ☺) on 01/02/01 Jan 2, 2003. We had our very first date not the next day but on Jan 19, 2003. And the rest was history.

When we found out that I was pregnant Dec of 2008, we got married on March 8, 2009. Now, I already have a 7 year old daughter. She is already in second grade. We are also planning to have another child this year considering that we are already getting older.

The realization of having another child may come too late because I really do not want another one. It is hard too hard to be pregnant, go on labor and raise a kid. My biggest challenge these days with a grade schooler is the process of teaching her. This would be the time in our life when I also need to be a tutor. It is really hard because my child is a late bloomer. She does not quickly grasp her lessons because she is not interested with it. I know she has her own intelligence because she easily learns a new sport. If only she will give her interest and focus on her lessons at school, I know she can also make it with flying colors. Too bad, she does not.

Anyway, so we are already looking to have another child this year. We already bought new feeding bottles. We just want to ensure that everything will goo smoothly as my husband just recently finished his anti-rabies vaccines. He has worries that the vaccine may have an effect towards conception.

That’s my family ♥♥♥

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Posted in life, tech

What I do

This is not the first that that I attempted to maintain a blog. I even purchased an actual website before, not just once but two times. These were attempts to uplift my status of being a WAHM (Work at home Mom)/freelance writer/virtual assistant.

Since I stopped working in an actual office when I got pregnant way back in Dec 2008, I started to look for alternative ways to earn money. My husband is a good provider but it is still better to have my own earnings.

I was exposed to various online money making systems like PPC or pay per click which I did to earn $2 in one month. Gosh! I did that when I was still pregnant. There are also other money making systems like paid surveys, online selling and more.

Then one time, I learned about KGB. This is a legitimate work from home job based here in the Philippines. I worked as a Special Text Agent. The scope of work is pretty simple and basic as all I need to do is to log in to their database and wait for text messages to come in and reply. The thing is, if you want to earn more, you need to wake up early like 3 am. The salary is just right for a less than 40h job without leaving the house. Back then (2009), I earned about 7K each month less all the other charges.

Being with KGB worked well for me for a couple of months. Then, one time, I got introduced to try Odesk, now Upwork. It is a freelance marketplace for freelancers and business owners looking for workers. I started a job that pays $1 per hour. So, for someone who gets paid for 7k/month, about P43-P45/hour sounds better. Since March 2010 until today, I am connected with Upwork.

The process is pretty straightforward. All you need to do is to apply/bid for a project and prove yourself to the employee. It is hard to find an employer when you are only starting out to establish your profile but with hard work and persistence, you can win your first job.

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