https://www.facebook.com/1350572298350695/

Miss Rafi, 667 Sapang Road, Sinsayon, Santiago (2025)

17/06/2024

I have reached 700 followers! Thank you for your continued support. I could not have done it without each of you. 🙏🤗🎉

03/04/2024

𝐏𝐑𝐔 𝐋𝐢𝐟𝐞'𝐬 𝐛𝐞𝐬𝐭 𝐬𝐞𝐥𝐥𝐢𝐧𝐠 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐩𝐥𝐚𝐧 𝐟𝐨𝐫 𝐞𝐝𝐮𝐜𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐟𝐮𝐧𝐝𝐢𝐧𝐠 😍

Start early bago makabuo ng sariling plan for the future ang mga kids ninyo.
Then you will never have to say "'nak, hindi natin afford ang gusto mong course"...

This program is customizable.

Message me for 𝗙𝗥𝗘𝗘 online financial planning! 😊

𝗚𝗘𝗧 𝗬𝗢𝗨𝗥 𝗣𝗟𝗔𝗡 𝗧𝗢𝗗𝗔𝗬🙋‍♂️

02/04/2024

𝑬𝒕𝒐 𝒂𝒏𝒈 𝑷𝑳𝑨𝑵 𝒏𝒂 𝒉𝒊𝒏𝒅𝒊 𝒑𝒂𝒏𝒈 𝑨𝒑𝒓𝒊𝒍 𝑭𝒐𝒐𝒍'𝒔 𝑫𝒂𝒚! 🤡
Walang prank at fool-ness 😁 pagdating sa PRUtection at Investment values📈📊

Tulungan kita magsimula at magplano, hindi lang para sa sarili, pambuong PAMILYA, pang peace of mind at ipon. 💰💰💰

Lika usap tayo. Send me a message now📲

❤️

01/04/2024

Piso noon versus limang piso ngayon.

Friends, inflation is real and it affects every product and services we have in the market.

Again, earning money is not enough. We have to save. But still, saving is not enough. We have to invest and protect that investment.

Message us for more details.

28/03/2024

⚠️ FACT: SSS alone is NOT ENOUGH!!!

✔ The approximate maximum pension given by SSS is at P10k/month and the average is at around P3K - 5K.

✔ Most employee would tell that their SSS benefit would be enough for retirement, or their children would provide for them.

The questions are:
✔ Have you prepared for it?
✔ Who would support you during your retirement years?
✔ Now that you know the data, what are the actions that you would take?

Talk to me, your FINANCIAL ADVISOR❤️

INVEST NOW✅✅✅

25/03/2024

𝐋𝐎𝐎𝐊𝐈𝐍𝐆 𝐅𝐎𝐑 𝐏𝐀𝐑𝐓 𝐓𝐈𝐌𝐄 𝐈𝐍𝐂𝐎𝐌𝐄??

📍 WORK FROM HOME

𝐖𝐡𝐚𝐭’𝐬 𝐢𝐧 𝐢𝐭 𝐟𝐨𝐫 𝐲𝐨𝐮?
• Weekly Income, Monthly and Quarterly Incentive
• Free Travel Incentives
• Flexible Working Hours
• Purpose Driven and Fast Career Growth
• Work From Home

𝗠𝗶𝗻𝗶𝗺𝘂𝗺 𝗥𝗲𝗾𝘂𝗶𝗿𝗲𝗺𝗲𝗻𝘁𝘀:
• College Graduate of any 4 Years Course
• No experience needed

Message us for more details!📥

22/03/2024

𝘽𝙖𝙣𝙠 𝙫𝙨 𝙑𝙐𝙇 (𝙄𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 + 𝙄𝙣𝙫𝙚𝙨𝙩𝙢𝙚𝙣𝙩)

Parehas importante, parehas dapat meron. It's very important that we know the difference.

𝘽𝙖𝙣𝙠 - Para meron tayong emergency fund na pwede ma-withdraw anytime. 💪

𝙑𝙐𝙇 - Para sure na protektado ka, pamilya mo at yung napundar mo from life's uncertainties. Plus savings & investment na rin ito to make sure na may money in the future. ❤️

Good if may bank account ka and better if may bank and VUL na investment para may pera ka for emergency, may pera ka for long term na lumalago because of investment, and may protection ka because of Insurance.

Want to know more about VUL?

Message me for free! 📨

19/03/2024

Hi Friends, baka makatulong sa inyo 🫶🏼

𝐋𝐎𝐎𝐊𝐈𝐍𝐆 𝐅𝐎𝐑 𝐏𝐀𝐑𝐓 𝐓𝐈𝐌𝐄 𝐈𝐍𝐂𝐎𝐌𝐄??

📍 WORK FROM HOME

𝐖𝐡𝐚𝐭’𝐬 𝐢𝐧 𝐢𝐭 𝐟𝐨𝐫 𝐲𝐨𝐮?
• Weekly Income, Monthly and Quarterly Incentive
• Free Travel Incentives
• Flexible Working Hours
• Purpose Driven and Fast Career Growth
• Work From Home

𝗠𝗶𝗻𝗶𝗺𝘂𝗺 𝗥𝗲𝗾𝘂𝗶𝗿𝗲𝗺𝗲𝗻𝘁𝘀:
• College Graduate of any 4 Years Course
• No experience needed

Message us for more details!📥

18/03/2024

WORRY is a total waste of time.
It does not change anything and keep you busy doing nothing.
Plan and pray for the best✅🙏🏻

❤️

15/03/2024

Para san ba kasi ang insurance? 🤔

Ang insurance ay PERA💰
😷 Pera pambayad sa pag papagamot ng malubhang sakit.
🏥 Pera pampalit sa mawawalang sweldo kung maconfine ka.
👨‍🦽 Pera pampalit sa mawawalang sweldo dahil nabaldado na.
🪦 Pera pambayad ng utang sa ospital ng taong pumanaw dahil sa sakit o aksidente.
💵 Pera pang retiro, dahil ang bagong insurance ay may investment naring kasama.
At higit sa lahat, perang pamana mo sa pamilya, para ipagpatuloy ang mga pangarap mo para sa kanila. 👨‍👩‍👧‍👦

One way to remind you that we all need atleast one insurance plan.

Deserve mong ma-protektahan ❤️

MESSAGE ME 📩 pag usapan natin❤️

09/03/2024

Kung sumasahod ka 15,000 monthly sa panahon ngayon, eto realidad kung bakit hirap talaga makapag ipon.

This is both good news and not so good news to some 🫣

Hope that this is a wake up call to everybody that 𝐬𝐢𝐧𝐠𝐥𝐞 𝐬𝐨𝐮𝐫𝐜𝐞 𝐨𝐟 𝐢𝐧𝐜𝐨𝐦𝐞 is NOT ENOUGH 🥲

Have some side-hustle!

07/03/2024

𝙄𝙉𝙎𝙐𝙍𝘼𝙉𝘾𝙀 - Ilaw sa panahon ng pangangailangan.

𝙃𝙞𝙣𝙙𝙞 𝙢𝙤 𝙥𝙖 𝙣𝙖𝙢𝙖𝙣 𝙩𝙖𝙡𝙖𝙜𝙖 𝙠𝙖𝙞𝙡𝙖𝙣𝙜𝙖𝙣.
𝙋𝙚𝙧𝙤 𝙖𝙣𝙜 𝙩𝙖𝙣𝙤𝙣𝙜 𝙠𝙪𝙣𝙜 𝙠𝙖𝙞𝙡𝙖𝙣𝙜𝙖𝙣𝙞𝙣 𝙢𝙤 𝙣𝙖, 𝙢𝙖𝙠𝙖𝙠𝙪𝙝𝙖 𝙠𝙖 𝙥𝙖 𝙠𝙖𝙮𝙖?

🧯Hindi ka pwedeng kumuha ng 𝗙𝗶𝗿𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 kapag sunog na yung establishment mo.

🚗 Hindi ka pwedeng kumuha ng 𝗖𝗮𝗿 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 kapag nabangga na yung sasakyan mo.

😷 Hindi ka pwedeng kumuha ng 𝗛𝗲𝗮𝗹𝘁𝗵 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 kapag may sakit ka na.

⚰️ At mas lalo namang hindi ka na makakakuha ng 𝗟𝗶𝗳𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 kapag nasa finish line na.

Ang 𝗟𝗶𝗳𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲, kinukuha talaga siya HABANG DI MO PA ITO KAILANGAN.

𝘿𝙊𝙉’𝙏 𝘿𝙀𝙇𝘼𝙔 𝙔𝙊𝙐𝙍 𝙄𝙉𝙎𝙐𝙍𝘼𝙉𝘾𝙀!
𝙔𝙊𝙐’𝙇𝙇 𝙉𝙀𝙑𝙀𝙍 𝙆𝙉𝙊𝙒 𝙒𝙃𝙀𝙉 𝙔𝙊𝙐’𝙍𝙀 𝙂𝙊𝙉𝙉𝘼 𝙉𝙀𝙀𝘿 𝙄𝙏.

Start yours today!
Message me to assist you.📩

05/03/2024

𝗗𝗼 𝗜 𝗻𝗲𝗲𝗱 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲? 𝗔𝗻𝗱 𝗶𝗳 𝘆𝗲𝘀, 𝗺𝗮𝗴𝗸𝗮𝗻𝗼 𝗻𝗴𝗮 𝗯𝗮 𝗱𝗮𝗽𝗮𝘁 𝗮𝗻𝗴 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲?

Malaki na ba ang 2 million? 3 million?

Let's have a quick financial needs analysis.

[𝑴𝒂𝒂𝒂𝒓𝒊𝒏𝒈 𝒉𝒊𝒏𝒅𝒊 𝒌𝒂 𝒎𝒂𝒌𝒂-𝒓𝒆𝒍𝒂𝒕𝒆 𝒅𝒊𝒕𝒐, 𝒑𝒆𝒓𝒐 𝒊𝒕 𝒅𝒐𝒆𝒔𝒏'𝒕 𝒎𝒆𝒂𝒏, 𝒉𝒊𝒏𝒅𝒊 𝒊𝒕𝒐 𝒑𝒐𝒔𝒊𝒃𝒍𝒆]

Age: 30 years old, with family
Monthly expenses:
Utilities - 5,000
Rent - 15,000
Family food - 25,000
Car - 20,000
House mortgage - 20,000
Gas - 10,000
Credit bills - 10,000
Schooling - 15,000

Total: 120,000

[𝑰𝒏𝒂𝒄𝒄𝒖𝒓𝒂𝒕𝒆 𝒎𝒂𝒏 𝒚𝒂𝒏, 𝒑𝒆𝒓𝒐 𝒇𝒐𝒓 𝒊𝒍𝒍𝒖𝒔𝒕𝒓𝒂𝒕𝒊𝒐𝒏 𝒑𝒖𝒓𝒑𝒐𝒔𝒆𝒔 𝒍𝒂𝒏𝒈]

120k in a month. 1,440,000 in a year.
𝟭𝟰.𝟰𝗠 𝗶𝗻 𝟭𝟬 𝘆𝗲𝗮𝗿𝘀.

Ilang taon ba ang dapat coverage? Wala namang strict rule. Pero 10 years is one of the common suggestions.

Until when ba mag-aaral mga anak mo?
Until when ba magreretire ang mga dependents mo?
Until when mo ba matatapos mga financial obligation mo?

Here's the question:
𝟭. 𝗪𝗵𝗮𝘁 𝗶𝗳 𝘆𝗼𝘂 𝗮𝗿𝗲 𝘁𝗮𝗸𝗲𝗻 𝗼𝘂𝘁 𝗼𝗳 𝘁𝗵𝗲 𝗽𝗶𝗰𝘁𝘂𝗿𝗲 𝘁𝗼𝗱𝗮𝘆, 𝗺𝗮𝘆 𝗽𝗮𝗽𝗮𝗹𝗶𝘁 𝗯𝗮 𝘀𝗮𝘆𝗼?

- Either someone or something has to replace you. Kung someone, it might mean your partner has to take 2 jobs while single-handedly taking care of your 3 kids.
Kung something naman, you need a source of income that will be readily available.

𝙏𝙝𝙖𝙩 𝙞𝙨 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚.

𝟮. 𝗪𝗵𝗮𝘁 𝗶𝗳 𝘆𝗼𝘂 𝗴𝗲𝘁 𝘀𝗶𝗰𝗸 𝗮𝗻𝗱 𝗶𝘁 𝗰𝗼𝗺𝗽𝗿𝗼𝗺𝗶𝘀𝗲𝘀 𝘆𝗼𝘂𝗿 𝘄𝗼𝗿𝗸, 𝘄𝗼𝗿𝘀𝘁 𝗰𝗮𝘀𝗲 𝘀𝗰𝗲𝗻𝗮𝗿𝗶𝗼, 𝗵𝗶𝗻𝗱𝗶 𝗸𝗮 𝗻𝗮 𝗺𝗮𝗸𝗮𝗯𝗮𝗹𝗶𝗸 𝘀𝗮 𝘄𝗼𝗿𝗸?

- you need to let go of whatever you saved in the bank. Kung meron man. Sell the properties you bought, kung meron man. Stop all the mortgage payments. And withdraw everything.

Kung kulang? Loan.

You need a source of income to replace the lost ones.

𝙏𝙝𝙖𝙩 𝙞𝙨 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚.

What if I tell you that having 14M insurance coverage will cost you just a little portion of your monthly income?

Yes, it is after all, an EXPENSE.

But this expense will definitely give you MILLIONS of coverage when your family needed it the most.

Consult your financial consultant NOW✅
Let them help you assess your financial needs.

If you are looking for a financial consultant,
Check my profile. I offer free assessment. 📩

03/03/2024

𝐎𝐧𝐞 𝐨𝐟 𝐦𝐲 𝐜𝐥𝐢𝐞𝐧𝐭𝐬 𝐚𝐬𝐤𝐞𝐝 ,𝐏𝐚𝐚𝐧𝐨 𝐤𝐮𝐧𝐠 𝐦𝐚-𝐛𝐚𝐧𝐤𝐫𝐮𝐩𝐭 𝐬𝐢 𝐏𝐑𝐔?

Stable ba yan si Pru Life UK?

One of the measures of our regulating body, the Insurance Commission, is the RBC ratio.

What does it mean?

𝗥𝗶𝘀𝗸-𝗕𝗮𝘀𝗲𝗱 𝗖𝗮𝗽𝗶𝘁𝗮𝗹 (𝗥𝗕𝗖) is a method of measuring the minimum amount of capital appropriate for a reporting entity to support its overall business operations in consideration of its size and risk profile.

In the Philippines, the Insurance Commission has required all Insurance Companies to have 125% RBC, and we, PRU Life UK is at 1123%.

𝐈𝐧 𝐬𝐡𝐨𝐫𝐭, 𝐰𝐢𝐭𝐡 𝐑𝐁𝐂 𝐑𝐚𝐭𝐢𝐨 𝐨𝐟 𝟏𝟏𝟐𝟑%, 𝐤𝐚𝐲𝐚𝐧𝐠 𝐤𝐚𝐲𝐚 𝐢𝐛𝐚𝐥𝐢𝐤 𝐧𝐢 𝐏𝐑𝐔 𝐚𝐧𝐠 𝐦𝐨𝐧𝐞𝐲 𝐧𝐢 𝐜𝐥𝐢𝐞𝐧𝐭 𝟏𝟏 𝐓𝐢𝐦𝐞𝐬.

𝐓𝐡𝐢𝐬 𝐩𝐫𝐨𝐯𝐞𝐬 𝐭𝐡𝐚𝐭 𝐚𝐥𝐥 𝐲𝐨𝐮𝐫 𝐡𝐚𝐫𝐝-𝐞𝐚𝐫𝐧𝐞𝐝 𝐦𝐨𝐧𝐞𝐲 𝐢𝐧𝐯𝐞𝐬𝐭𝐞𝐝 𝐰𝐢𝐭𝐡 𝐏𝐫𝐮 𝐋𝐢𝐟𝐞 𝐔𝐊 𝐢𝐬 𝐰𝐞𝐥𝐥 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐞𝐝.

Know your options with us!

Message me. 📩

01/03/2024

Financial wellness tips for you today 😉

1. Mag ipon ng Emergency Fund

Kasya pang 6 (anim) na buwan na gastusin para safe Kung mawalan ng mapagkakakitaan

2. Mag budgeting

Alin ang pwedeng bawasan?
- 3 internet sa bahay -Baka pwedeng gawing isa?

- Netflix, Apple TV, Amazon Prime, Disney Plus, HBO Go, Viu baka may pwedeng bawasan

3. Mag aral magluto
- mas healthy, mas matipid - Bawas asin, bawas toyo, bawas patis
Mas magiging mabuti sa kidney at atay

4. Magkaroon ng 5 year, 10 years, 20 years ipon plan

Para lagi kang motivated mag work at mag ipon. If di kaya gawin magisa Patulong sa isang Financial Consultant na tulad ko

5. Matutong tumawad or maghanap na mas murang alternatibo. Matutong maghanap ng bargain at mga coupon na makakamura

Eatigo, Klook At iba pa

6. Pag di kailangan Ipagpaliban

Pagisipan ng mabuti ang bibilhin. If gustong gusto mo pa din bilhin yang relo na yan, yang bag na yan makalipas ang 7 days, tsaka bilhin

7. If kayang bilhin ng cash, wag utangin - Maraming mga bagay na may discount pag binili ng cash kaysa 12 months to pay

Ex. Appliances

Kadalasan may 10% to 20% discount pag cash

8. Insurance, makakatulong makabawas sa gastusin pag magkasakit

Sa maliit na halaga. Kayang makatanggap ng milyones pag magkasakit.

Basahin mo ulet from 8 to 1. Kapag 8 ang sagot sa financial wellness na need mo PM mo na ako 🥰✅

29/02/2024

"Walang nag hihirap dahil sa insurance, pero maraming ang nag hirap dahil walang insurance sa panahong kailangan na nila"

make a plan, enjoy your life, invest in yourself 🌱🌱🌱

If you want to learn how you can achieve the financial freedom that you wanted you can message me anytime I will share the ideas and best practices to you for FREE
❤️

23/02/2024

𝗟𝗲𝘁’𝘀 𝗮𝗹𝗹 𝗯𝗲 𝗣𝗥𝗨𝗗𝗘𝗡𝗧! 💸💡📈

Did you know? Putting all your savings in a bank account with a low-interest rate at 0.125% can result in your money losing value over time due to inflation at 4%-6% yearly!

Allow your hard-earned money to grow through investments while ensuring you are adequately insured! 🫰🏼

Send me a message for a FREE financial consultation. 💌❤️

Discuss natin yung best plan for you.

22/02/2024

FINANCIAL TIP FROM A FINANCIAL CONSULTANT

Don't let your emotions drive your spending!

Whether you're riding the highs of a great day and making impulsive buys or seeking comfort on a tough day with a little treat.

It's important to stay mindful of your emotions and how they influence your spending habits.

Miss Rafi