Malou Enojales Financial Educator

14/10/2019

Invest early & retire from work early.
Example below is based on 10% CAGR. What if you can invest more? TIME is our best ally.

14/10/2019

Why get a longterm healthcare when you already have HMO in your company?

● You can't bring your company's HMO when you resign
● No more coverage when you're 65 and above
● No life insurance to cover your family
● Your Company's HMO can't be transferred to your beneficiary

Then why it's best to integrate longterm healthcare with your company's HMO

👉 You can maximize the health fund side of your longterm healthcare by using your company's hmo when hospitalized - short term
👉 When you retire you have fund for your medical needs
👉 Life Insurance

It's best to start early while working. We can't work all our lives. Save for your LONGTERM HEALTHCARE.

To know more please click this link below

14/10/2019

10/10/2019

To be the Boss or be the Slave of Money?
A lot prefer to be the Boss, a lot failed & being Slaved by money.
So, would you rather be the Boss or just be the Slave?

Care to learn

10/10/2019

So far this is the BEST affordable 3-in-1 solution I know. It has an Investment that will not go below 3 percent! Wow! 🔥🔥🔥

You are also covered for 20 years with:
for as low as P202,500 Life Insurance
for as low as P405,000 Accidental Death and Dismemberment

With Free for 7 years:
for as low as P50,000 Annual Hospitalization
Annual Physical Exam & Dental Benefit

This is a great 3-in-1 savings program that has Long-Term Healthcare, Life insurance and Investment. You only need to save for 7 years and you are already covered with lifetime Healthcare! Wow! 😍

10/10/2019

Simpleng Dahilan Bakit Kailangan Nating Lahat ng Long-Term Healthcare:

▪️ PRODUCTIVE YEARS (21 to 60 Years)
- Malakas ka at hindi gaano nagkakasakit
- Binibigyan ka ng HMO ng Kumpanya dahil pinakikinabangan ka nila, kaya dapat lang din gamitin mo ito kung sakaling magkasakit ka. Ang tanong, "Madalas mo ba magamit?"
- Kung wala kang HMO mula sa Kumpanya, pwede kang bumili kaya lang kapag hindi ka nagkasakit sa loob ng 1 taon, tapon na ito at bibili ka na ulit para sa susunod na taon.

▪️RETIREMENT YEARS (61 and beyond)
- Isa-isa nang pumapasok ang iba't ibang sakit
- Madalas ka nang nahohospital
- Wala ka nang HMO dahil retiro ka na
- Gustuhin mo mang bumili, hindi na pwede dahil hanggang 60 years lang ang age limit at marami ka nang sakit, di ka na rin maaprove.

Simple lang intindihin 'di ba? Habang malakas ka ngayon, mag-ipon ka sa pagkakasakit mo dahil siguradong darating ang panahon na yon.
Kung ngayon maarte ka dahil meron kang HMO, sanay ka sa private hospitals, sa malamig at malaking kuwarto,
paano na kaya sa pagtanda mo? At saka ka aasa sa gobyerno?

09/10/2019

4 Reasons Why Planning for Retirement is Important

1. SSS is not enough - it will not sustain your medical bills and you will need to downgrade your lifestyle if you will depend on SSS alone.

2. INFLATION - Your 1 peso right now will have lesser value in the future.

3. OUR KIDS are not our retirement fund - part of pagtanaw ng utang na loob culture. We need to break this culture of dependency. Let us not be a burden to our kids in the future.

4. WE LIVE LONGER - Imagine retiring at the age of 60 with no income then living until the age of 80,thats 20 years worth of expenses,60 years old too far to imagine right? How about about taking a vacation for a month with no SALARY?

Let us not depend on our Company's retirement benefit. What if u lose your job or your company go bankrupt?

09/10/2019

Kung palagay mo kailangan mo ng life insurance, mas kailangan mo ng long-term healthcare.
Pag-isipan mo lang ito:

-Nagdo-doble ang healthcare costs tuwing 5 - 7 taon.
-Ang karaniwang dahilan ng pagkamatay ng Pilipino ay hindi sakit, kundi kawalan ng pera!
-Marami ang hindi naghahanda para sa gastusin pangkalusugan sa kinabukasan.
-Hindi mo madadala ang HMO mo sa opisina kung ikaw ay mag-resign o mag-retire.
-Karamihan ng Pilipino ay nangungutang, umaasa sa mga anak, o nagbe-benta ng ari-arian kapag nangailangan ng pang-gamot o pag-hospital pagtanda.
-Karamihan ng personal bankruptcy ay dahil sa gastusin sa hospital.

Kaiser Health Builder covered ka for lifetime at 7 yrs mo lang itong babayaran. At kung hindi mo naman ito magagamit, 85% ng binayad mo ay ibabalik sa iyo.

Think about your future health 20 yrs from now.

08/10/2019

Our Dear IMG family,

We started strong and with the passing years we attracted success over our set mission …

to help Filipino families in their plight against poverty …
to be the harbinger of good financial fate …
to be the ultimate source of inspiration for those who look up to us.
It wasn't the smoothest journey but we have worked together hand in hand that we were able to easily achieve our 1M2020 mission. The unparalleled efforts you have willingly rendered speak much of the heart you have for your fellow. Wave after wave, you have been with us, making a stronger force.

With the strong force we are continually spreading and now ready to conquer greater heights and achieve bigger dreams, hence the new campaign! IMG's 10M2025!

Nothing is impossible when done with love, passion, and faith! We believe that this dream will come to reality because we are missionaries who survived the test of time.

We are all in this together.

We will RISE! We are UNSTOPPABLE!

We are heading INFINITE!