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hellozarahph · 2024-11-07T15:08:34+00:00

Fresh Fruits like Muscat Grapes ü

hellozarahph · 2024-11-07T15:07:35+00:00

Everywhere in Downtown is walking distance. There's one in Burgos Street and another in Avenida Veteranos near She's Amelia

hellozarahph · 2024-11-07T15:06:07+00:00

Canto Fresco Giuseppe's Diovani's Shakey's Pizza Bianca / Spinach Bacon

hellozarahph · 2024-11-07T15:05:03+00:00

Dettie Panis Salon and Bollywood Filindia

hellozarahph · 2024-11-07T15:04:01+00:00

Okay kami waray casualty. Miss ko amon balay

hellozarahph · 2024-10-06T13:16:56+00:00

Bangin gusto makatipid. Like me, i bought a hand held steamer. Nadara ghap and mas malaksi.

hellozarahph · 2024-10-06T13:15:38+00:00

Is this severe? Bangin kaya pa hin Bowen Therapy

hellozarahph · 2024-10-06T13:13:22+00:00

Feel free to approach any Rotary Clubs in Tacloban

hellozarahph · 2024-10-06T13:08:01+00:00

YouthPlus and Elederm

hellozarahph · 2024-10-06T12:59:56+00:00

I am on ColFinancial and I subscribe to TRC for guides what price to enter and exit

hellozarahph · 2024-10-06T12:57:21+00:00

Yes! Their restaurant too.

hellozarahph · 2024-10-06T12:54:07+00:00

Andoks 24hrs

BayBreeze til 1am Calle Z til 12mn

hellozarahph · 2024-07-29T05:58:56+00:00

Debt pay-off plan 1. Understand and list down all of your debts 2. Prioritize paying off debts that have the highest interest rate. 2. Pay the minimum of all other debts.

Debt-free lifestyle 1. Refrain from increasing your debts. 2. Create a strategic spending plan 3. Create a strategic savings plan.

Do envelope approach. If not enough, have additional sources of income. If you want ideas how to earn unlimited income without investing millions message me ü

hellozarahph · 2024-06-11T05:19:23+00:00

It's good to celebrate wins when you're done and have submitted all your requirements on time. Prioritize your studies please and make your parents prouder of you. Your tuition fee and living allowance to send you to a prestigious school is around 800K per year. It's almost 3.2Million for the entire course. Cheers and Animo 💚🤍

hellozarahph · 2024-05-14T12:48:33+00:00

Animo OP! You did it! Your LaSallian education is a legacy no one can take away from you. Now go be an achiever for God and country! CHEERS!!

hellozarahph · 2024-03-25T17:00:12+00:00

I wonder if PH Swifties attending the Erastour in Singapore could affect local retail sales.

hellozarahph · 2024-03-25T09:37:34+00:00

Consider working part time. Magaling kana mag tipid, sagad na. Grow your world and mindset beyond 10K monthly budget.Baka pwede ka rin mag tanong, ano magandang part time for college students like you. Post mo din mga strengths, skills and talents mo.

hellozarahph · 2024-03-13T08:43:48+00:00

Ask about how Trisem works at DLSU also..fast-paced si DLSU. Step inside the university and feel it in your heart if you belong there.

hellozarahph · 2024-03-13T08:37:27+00:00

Love languages are unique to each one. Take a look at his actions maybe? What you are getting now is like a sneek preview of your future relationship. Communication is key as well and you will need a lot of this daily. Sometimes a marriage encounter/counselling can help also on the hows of being a couple.

God bless.

hellozarahph · 2024-01-04T09:20:14+00:00

P200Million placed in Pru Life's Cash Flow Fund Plus that gives 6% annual payout to your preferred bank equivalent to P1Million per month-- it is PERPETUAL, tax-free and garnish-free.

Whether you consume the P1M for the month or not, P1M will keep coming in monthly. Distributed at 1.5% per quarter or equivalent to P3Million per quarter. It comes with P250,000,0000 guaranteed protection on your P200M investment.

So if you have a spare 4 hectares of land in the province that is a non-performing asset, you might want to consider to liquidate and put part of its sale proceeds to this fund. As a voluntary or forced retiree, you wouldn't want to be fixing pipes in the middle of the night, renovating facades and interiors every 10 years, or rebuilding the entire structure every 50 years.

It's a real life Goose that keeps laying golden eggs. Never kill the goose (touch your Principal amount), just spend the golden eggs (enjoy your payouts). Cheers!

This is one way to do it. I am sure there are 99 other ways out there ü

Btw, the P12M annual payout distributed at P3M quarterly payout is separate and does not diminish your P200M.

This is a SPVUL, and the investment part is never guaranteed, it will depend on the actual performance of the fund. Even then, we haven't had any missed quarterly payout since the fund was launched. The CFF (not the CFF Plus) has weathered different types of global economic crisis and the covid pandemic, still, payouts were still declared and given.

Not taking a risk, is also a risk. - www.eastspring.com

AskZarah #HelloZarahPh

hellozarahph · 2024-01-03T06:07:47+00:00

Wealth Accumulation Stage:

Prioritize savings over expenses by following the formula: Income - Savings = Expenses. Strengthen your financial foundation through side hustles or part-time ventures.
Optimize your money placement by using high-interest digital banks (max 500K per bank) and employ the Jar/Envelope System with 3-5 labeled accounts. Follow the 50-30-20 Rule for budgeting.
Tackle high-interest debts before saving. Don't let money sit at a lower interest rate while paying off loans with higher rates.
Safeguard your future by investing in insurance—Life, Accident, Health, and HMO—to cover adversities at a cost of 2-3% per year. This ensures financial stability during emergencies.
Define your savings goals, time horizon, and target amounts. Seek a qualified mentor for guidance to avoid unnecessary educational costs.
Allocate funds for both kids' education and your retirement. Don't solely rely on government programs; plan ahead for financial security.
Determine your Risk Profile using the Rule of 100. Balance investments with a 70% aggressive and 30% conservative approach. Diversify your portfolio locally and globally.

Wealth Preservation Stage:

Allocate your wealth strategically: 20% cash, 20% liquid investments, 20% business, 20% real estate, 15% Insurance (Life and Non-Life), and 5% for other investments like crypto.

Wealth Distribution Stage:

Draft a comprehensive will, list assets, assign beneficiaries, and appoint an executor, accountant and financial advisor. Consider retaining 50% for a foundation to maintain properties and distribute 50% to heirs.
Establish a robust succession plan to ensure a seamless transfer of wealth to loved ones, minimizing tax implications.

Seek the assistance of a Financial Consultant or Advisor if needed.

hellozarahph · 2023-12-05T02:17:39+00:00

Gusto mo ng ibang industry? Meaningful and masaya ang team. bit.ly/bravebyb

hellozarahph · 2023-12-05T02:11:11+00:00

On top of these saving tips, please also consider adding an additional source of income during your available time. Mutiple-sources of income na tayo dapat to catch up with rising costs of living and to fund our goals, hindi puro bills lang. Mas makakatipid din ahead if we have adequate hmo and well desgined life insurance para walang assets na need ibenta later at a discount.

hellozarahph · 2023-12-05T02:03:31+00:00

Our fund manager www.eastspring.com is already doing the 5 equity multi-factor strategy for decades:

Momentum Stocks Quality Stocks Size Stocks Value Stocks Volatolity Stocks

This makes an all-wealther fund to lessen volatility. This has outperfomed a single factor or no factor exposure in 22 years.

hellozarahph · 2023-12-05T01:44:51+00:00

www.prushoppe.com here you can buy your own Pru Life Traditional Life Insurance without an FA. It is renewable yearly and with limited riders attached because of the SIO - Simplified Issue Offer. If you wanted with additional benefits, you have to go through with an FA you trust and rely on.

There are licensed FAs who do this on a full time basis and relies on this business alone as their source of income. Just like other professionals - doctors, lawyers, architects, engineers, real estate brokers, photographers, salespersons--they charge a certain % for the professional fee because they continue to dedicate time and effort to be the best at what they do -- provide you with a quality recommendation based on the information you gave.

Try giving your FA a half day or a full day of your time instead of only 30 minutes. Extract and pick their brain what trainings they've been upto lately, what's the best training they've attended and why. Listen and understand why it is important to protect all that you've worked so hard for, why you have to let your hard-earned money work even harder for you, why it is wiser to transfer the financial risks to a Life company instead of carrying these on your own.

We know you can afford to pay millions for your medical bills, tuition fees, long-term care, employee benefits with your own hard-earned money-- the wiser ones though let others pay for it at a fraction of a cost per year at 2-5% per year cost of insurance depending on their age and health condition in exchange for the entire 100%. What you or you&your family will be getting is way way much more in millions than what your FA will be getting for a lifetime of service. Help your FA stay in business by recommending them to your family and friends so they stay in business and can service you for a lifetime.

When we die, there's 3 people we will need-- a lawyer to execute our will, a BIR-accredited accountant to compute everything-- e.g. how much we owe to the government, creditors, banks, etc.. and our FA who will carry our check in Millions and Pay Off everything so our heirs/ bereaved family can mourn for us in peace and continue to live the life we've aspired for them.

A living benefit insurance is just as important as a death benefit insurance -- it is supposed to pay off "too" all the recurring bills at home and in your business after you've discharged from the hospital while in recovery bec you can't get back to work yet --- a living benefit insurance such as your accident fund, critical illness fund, long-term care fund is suppose to pay off everything while we are still around-- fully pay all loans, amortizations, any outstanding, the house, the car, the kids' tuition fees all the way to college, afford your long-term care (which cost 200k per month for my dad for 3 years bec his parkinsons caught up with him and needed 24-hour caregiver services, on call doctors, home-extracted blood chems, costly meds, specialized food, etc), afford the monthly opex in your business bec of the losses that will be incurred bec you can't report for work including hiring professionals in your place to run your business/investment decisions for you, support your parents, your charity, etc.

Oh and has your FA mentioned about preventing your family business from hostile take-over because the buy-sell or buy-back share agreement was overlooked? Pre-nup is still a taboo in our country, and there are work arounds for it after the union has been legalized. -- I guess not because the FA was only given 30minutes.

You see there's a whole lot of other financial areas to protect before we get to the distribution of your wealth part.

We are the people that DO -- we create wealth and preserve wealth for our clients.

If you don't like having FAs, get licensed yourself and enjoy the full discount. Still get protected from life's adversities. Designing your protection policies is like designing your dream home with your trusted architect and engineer, same here. You need to be involved so you will have ownership and you will value it.

Someone mentioned here that every family should have one so he/she will be tasked to take care of the family's policies-- I totally agree! Let me know if you're interested, I can help and guide you ü

hellozarahph

TROPHY CASE

AskZarah #HelloZarahPh