Plan B - Buhay at Plano

H i, friend! E ver feel like your sweldo disappears faster than you can say “ petsa de peligro ?”  Don’t worry, we’ve all been there. But what if I told you that a few simple money goals can change your story from “ lagi akong kapos ” to “ aba, may ipon ako !” L et’s talk about Financial Goal Setting —but make it doable, practical, and hindi nakaka-nosebleed. Step 1: Know Your Short, Medium, and Long-Term Goals T hink of your goals like a timeline: Short-Term Goals (1 year or less) Examples: Build a ₱50,000 emergency fund Pay off a credit card Save for a birthday or holiday trip Medium-Term Goals (1–5 years) Examples: Buy a second-hand car Start a small business Invest in a VUL or BTID plan Long-Term Goals (5+ years) Examples: Fully fund your child’s college education Retirement fund Dream home You don’t have to write a thesis about it—just jot down what really matters to you. Step 2: Wants vs. Needs (Yes, There’s a Big Difference!) M asarap ang milk tea araw-araw, pero mas masara...

Image Slider ❮ ❯ ___ Looking for the most complete healthcare package for you or your loved ones? PRIMA Elite is designed for individuals who want priority access to doctors, unlimited consultations, and advanced diagnostics — all in one powerful healthcare plan. What You’ll Get: Unlimited Consultations with Maxicare Primary Care Clinic (PCC) doctors: GPs, Internists, OB-GYNs, Pediatricians, ENTs, Surgeons, Dermatologists, and more. Annual Physical Exam (APE) with: CBC, Chest X-ray, Urinalysis, Fecalysis Routine ECG, Physical exam Unlimited Diagnostic Tests like: ECG, X-ray, laboratory tests, urinalysis Advanced diagnostics like 2D Echo, Treadmill Stress Test, CT Scan, Ultrasound (upon specialist referral) Health Monitoring & Medication Review Wellness & Immunization Checklist Pre-existing conditions and COVID-19 consultations covered Where to Use: Services are available only at Maxicare Primary Care Clinics (PCCs). Appo...

VUL vs. BTID: Alin nga ba ang Mas Maganda?  I sa ito sa mga pinaka-common na tanong sa mundo ng insurance at investment: “Ano ang mas maganda, VUL o BTID ? ” At ang honest answer? Depende kung ano ang Financial Personality mo at anong goal mo. Kaya tara, himay-himayin natin! VUL (Variable Universal Life) I to ‘yung combo meal— may life insurance ka na, may investment ka pa. Perfect sa mga taong gusto ng all-in-one package. Pros: May protection ka and may chance na lumago ang pera mo through investments . Para sa mga hindi consistent mag-ipon, this is helpful kasi forced savings siya. May mga optional benefits like critical illness or accident riders . Long-term plan siya—pang college fund, retirement, o legacy. Cons : Mas mahal kaysa term insurance. May charges and fees sa early years. Hindi guaranteed ang returns (market-based kasi). This is best for: People na  gusto ng insurance + investment in one go at okay sa moderate risk . Ano naman ang BTID (B...

__________ H i friends! A lam natin na kapag tag-ulan, hindi lang baha ang kalaban—nariyan din ang dengue ! Isa ito sa mga sakit na mabilis makahawa at pwedeng maging grabe, lalo na sa mga bata . Kaya habang maaga pa, let’s take action! Dengue Update (June 2025) M ahigit 110,000 dengue cases na ang naitala mula January hanggang May 10, 2025 , ayon sa Department of Health (DOH). S a Metro Manila pa lang, mahigit 19,000 cases ang nai-report — 224% increase kumpara sa parehong panahon noong 2024. 437 deaths ang naiulat, karamihan ay mga batang edad 5 hanggang 9 taong gulang. Sabi nga ng DOH: “ Mas mababa po ang immunity ng mga bata compared sa adults kaya mas tinatamaan po sila ng dengue.” Source: GMA News, June 5, 2025 Ano nga ba ang Dengue? A ng dengue ay sakit na dala ng lamok na may virus . Minsan parang trangkaso lang, pero sa ibang kaso, puwedeng magdulot ng matinding lagnat, pananakit ng katawan , at kung lumala, delikado talaga. N gayong may surge ng cases, mas mahalaga...

A lam mo yung feeling na kahit may sweldo ka, parang laging bitin? Like may pera ka sa papel… pero hindi mo naaramdaman yung ginhawa? Been there. K wento ko lang—meron akong friend na laging excited tuwing payday. Pero lagi rin siyang stress pagdating ng mid-month . Bakit? Kasi halos buong sahod niya, pambayad lang ng utang . Walang natitira para sa sarili niya. Parang robot na lang. Sweldo, bayad, repeat. I to ang hindi madalas pinag-uusapan: “Debt doesn’t just drain your wallet. It drains your energy, your peace, your dreams.” K ahit maliit na utang, pag pinagsama-sama? S tress. Puya’t. Missed opportunities. Yung raise? Napunta sa card payment. Yung dapat bakasyon? Postponed na naman. Yung business idea? Nauna pa si Shopee kaysa sa startup mo. A nd it’s not your fault . The system is built to keep you in debt. Yung mga “0% interest,” “Buy now, pay later,” “Flexible terms”—lahat ’yan naka-design para makalimutan mong utang pa rin ’yan. Pero ito ang good news: Pwede kang makawal...