Not immediately at least, until you know your options.
This is a trust-based industry. What I mean by that, from the advisor's perspective, we are taught to use psychological manipulation, using different tools to manipulate clients.
What is being done with that trust in our country is despicable.
It is legal in our country for someone to put you into inferior investments, lower-paying annuities, or the lowest paying life insurance policy currently on the market.
It is legal for someone to give you the worst policy or annuity on the market and make a commission.
It’s legal for you to be steered into mutual funds, not because they are best for you but because the company you chose to work with is one of the lower quality companies who partners with just a few mutual funds through a revenue-sharing agreement, and they will steer you into just the mutual funds that will give them a kickback instead of what is best for you.
What is being done with the trust, advisors are actually earning because you are deciding to make this about trust instead of what is best for you and your future.
Every single financial plan I review, within 2-5 minutes, I can find where some advisor has steered you into something that was not best for you or hid something from you.
I will teach you something in this podcast.
You do not need to trust anyone. I am going to teach you how to build a great retirement plan without an advisor. You should be 90% through the entire planning process before you involve a professional.
It’s clear, every decision you need to make in financial planning and retirement I’m going to make clear in the Renovating Retirement Podcast.
Kali ini saya mau share klaim nasabah saya yg ada di JAWA TIMUR, dan saya yg mengurus klaim HANYA dr MEDAN.
Nasabah merupakan nasabah pru sejak 2007, tidak pernah klaim sama sekali dan terus setia membayar premi sampai saat ini.
awalnya nasabah hanya demam yang naik turun, perkiraan awal hanya demam biasa, kemudian saya sarankan untuk ke rumah sakit untuk check up, takutnya adalah gejala DBD. Akhirnya nasabah pun setuju untuk ke rumah sakit siloam di jember.
Singkat cerita, nasabah divonis 3 penyakit sekaligus.
1. Dengue fever
2. Tiphoid fever
3. Cystitis (radang kandung kemih)
Dan nasabah diharuskan rawat inap hingga 4malam.
Total biaya? 19juta untuk 4malam. Gaji berapa bulan ya ini guys?? Kembali ke masing2 ya brapa bulan gaji.
Saya sangat bersyukur sekali bisa membantu teman sekaligus nasabah saya untuk memproses klaim secara cashless melalui Prudential.
. #iamprudential #PrudentialSumut #Prudential #prestasiagency #GreatTeam #InsuranceExpert #insurancePlanner #insurancetips #financialtip #financialplanners #financialexpert #pphplus #pcb88 #prucinta
How can I secure my future financial wellbeing? ⠀
We’re certainly living longer - so it’s crucial you take action to plan for the future. To secure your future financial wellbeing, you need: ⠀
📝 Expert help⠀
💸 Successful investment of money⠀
1 14 June, 2020
The goal is frugal not cheap!⠀
We’ve all bought that thing that was the best price, only to find that there was a reason for the deep discount. 😫
Frugal = ⠀
- making the most of what you have.⠀
- getting a good price on quality purchases.⠀
- not being wasteful or frivolous.⠀
- Prioritizing so that you have money to spend time on what you value. ⠀
- price over quality.⠀
- wasteful if the cheap items need to be replaced more often. What’s something you bought because it was “cheap” and you regretted afterwards?
Nah sahabat, jika anda belum punya asuransi, manakah yang harus anda pilih terlebih dahulu? Kesehatan atau jiwa??
Kedua istilah tersebut sekilas terlihat serupa secara fungsinya, tapi tahukah kamu kalau keduanya adalah dua produk yang berbeda? Memang, jika kamu membuat dua asuransi tersebut, manfaat keduanya akan saling melengkapi dan proteksi yang didapat lebih maksimal. Namun ketika dihadapkan kepada situasi untuk memilih salah satu dari kedua asuransi tersebut, yang mana yang sebaiknya dipilih?
Asuransi kesehatan adalah produk asuransi yang memungkinkan akan mendapatkan jaminan biaya ketika kamu atau orang yang terdaftar di asuransi tersebut mendapatkan gangguan kesehatan. Jadi, produk asuransi ini akan membayarkan biaya yang terkait dengan pengobatanmu seperti biaya rumah sakit, biaya operasi dan biaya obat-obatan
Sedangkan asuransi jiwa adalah produk asuransi yang akan memberikan sejumlah dana sebagai uang pertanggungan jika kamu atau orang yang terdaftar di asuransi tersebut meninggal dunia. Dana ini akan diberikan kepada ahli warisnya yang masih hidup
Nah sahabat, Pastikan produk yang anda beli sesuai dengan kebutuhan dan kekuatan ekonomi anda ya. Konsultasi yuk, DM ke admin. Like dan share jika informasi ini berguna untuk anda.
. #iamprudential #weareprudential #wedohealth #InsuranceExpert #insurancetips #insurancePlanner #financialtip #financialplanners #financialpreparation #PrudentialSumut #prucinta #pcb88 #prestasiagency
0 114 June, 2020
I started investing when I was 25 years old. I should've started earlier, but there were a lot of doubts and fears in my mind. Because I had little to no knowledge about it, I kept on delaying. But when I finally understood it, I regretted not starting earlier.
I created a list of actions you can take if the fear of investing is taking over you. Stop delaying and start taking action as soon as possible!
Are you hesitating to invest?
Send me a message and let me guide you through the process.
The amount of emergency fund varies depending on your current situation. Identify how much you need, and then set it as a financial goal. As soon as you get your paycheck, allot a portion of it to your emergency fund. It is a crucial wealth protection tool for each and everyone of us!
When I jumped from corporate to business, having an emergency fund enough for three months was advantageous. It made me more mindful of my spending. Since I am capable and there are a lot of opportunities out there, I was able to get a job that can produce income. But since it was not stable, three months worth wasn't enough. I should've saved 12 months since I was entering an uncertain path. Lesson learned!
What’s happening with the stock market? ⠀
Stock market volatility during the coronavirus outbreak has been worrying - especially for individuals working to build their savings and retirement pots. ⠀
The main advice would be to hold tight and wait for the market to recover before making any moves - but don’t hesitate to seek further expert advice before making any decisions.⠀
Staying on a budget and keeping the course to becoming debt free is not easy. A positive attitude won’t guarantee you will succeed, but a negative attitude will guarantee you won’t. Stay positive my friends!
No one enjoys paying or filing their taxes!
Unfortunately, it's unavoidable, but it can be completed efficiently ✅
When taking note of expenses that can be claimed as a deduction, remember they must meet the criteria:
1️⃣ You must have spent the money
2️⃣ The expense must be directly related to earning your income
3️⃣ You must have record of the purchase
Remember! The 1st of July marks a new financial year, a new beginning and a new opportunity for those who may have strayed off the path to their financial goals.
Before you get too far into the weekend, take a minute to check your weekly budget to make sure you're on track. And if you're not? That's ok! Financial wellness is a journey and a new month (and a new opportunity to get back on track) starts Monday! 💸 #FinancialTipoftheDay#FinancialTip#Budget
0 2630 May, 2020
Help your future self out today, so your future self will thank you down the road!
3 1230 May, 2020
It is advisable to separate your business capital from your personal savings.
This will help you monitor your business expenditures, which includes utility bills, worker's salaries (including yourself), marketing and advertising costs etc.
While the personal account funds your personal needs such as shelter, food, clothing, healthcare, transportation, emergency fund etc.
Financial Tip: Financial Planning is for everyone. It is necessary because of economic uncertainty, changes in lifestyle, changes in tax laws, and increase in types of financial instruments. - IARFC Philippines⠀
The world is more complex now. We need to take a proactive stance towards wealth building (protection and accumulation). There are several factors that impact your finances. Economic uncertainty which includes inflation, interest rate fluctuation, advancement in technology, and globalization must be accounted when you plan for your future finances. Another factors is changes in lifestyle. Usually when people earn more, they spend more, hindering the chance to save and invest. Also, tax laws must also be accounted when doing financial planning because it changes constantly, which prompts people to structure their expenditure differently. Lastly, there are many investment options and a new one is always being developed, know what is right for you and keep up with the trends.⠀
Start financial planning as soon as possible. Send me a message!⠀
Sometimes when it comes to money, you need a little blue sky thinking ☁️⠀
Need someone to think outside the box for you and your business? I offer my services to individuals and businesses in:⠀
Charlie & Tara are celebrating their reward for helping another person get on the track to financial freedom! Who do you know that wants coaching? Refer them and you both get rewarded $100 each! www.strengthinnumberscoaching.com/referral
Our latest book is basically nonfiction/horror. “The Power of Zero” sheds light on the scary potential of taxes doubling in a few years (as in 2026) 😱 It’s imperative to move your assets into the tax-free bucket and stop stuffing your 401K or Traditional IRA. Get in and stay in the lowest tax bracket by understanding what accounts protect your hard-earned money 👊🏼 Tax-deferred accounts are not our friend. @fm.financial
You need to have self-awareness before you can improve. Know your current cash flow, so you can identify action items to improve it. ⠀
If you cash flow is a positive, you have a surplus. This means you are able to save.⠀
- Build your emergency fund⠀
- Start an insurance plan if you haven't yet⠀
- Invest for wealth accumulation⠀
If you cash flow is negative, you have a deficit. This means you are losing money. Correct this immediately to avoid having bad debts.⠀
- Increase you income or have an additional source of income⠀
- Decrease your expenses by cutting out unnecessary spending or finding cost alternative things for your essentials⠀
Do you have a passive income source 🤑?⠀⠀⠀⠀⠀⠀⠀⠀⠀
Wouldn't it be nice to generate an income source without exchanging time for money? Would you like to generate hundreds or even thousands of dollars while you sleep? If this sounds like you then passive income will fullfil your desires.
So what is passive income? Passive income is earning generated from an enterprise in which you're not actively involved in. This may be generated from a rental property or a partnership. Sounds lovely doesn't it? Here's three benefits of passive income👇
1. Gives freedom of time 🤯- With passive income your asset is generating revenue without your presence being required. We see this happen all the time. A person puts is in the time and effort into starting a business. Then when the business takes off the owners presence isn't required anymore for the day to day operations. Now the business makes the owner passive income.
2. Allows you to pursue your passion 🤝🏽- Since you'll be earning revenue without your presence being required you now have the time to work on yourself. Maybe you wanted to learn a new skill or write a book. Then now you'll have the time to pursue those ventures.
3. The ability to work anywhere 😎- With passive income you could literally work anywhere in the world. You wouldn't need to turn up to an office at 9 am and won't be able to leave until 5 pm. You can be on vacation chilling while you're earning massive revenue.
Leave a like ❤ and a comment 💬 letting us know if you want passive income 💰.
Follow: 👉 @billionairepree 👈
⠀⠀⠀⠀⠀👉 @billionairepree 👈
⠀⠀⠀⠀⠀👉 @billionairepree 👈
78 11824 March, 2020
🤑IF YOU DON'T ASK, YOU DON'T GET 🤑⠀
💵It's a sad truism, and one that is no doubt extremely frustrating, but in today's cut-throat world of work, you absolutely have to be proactive about getting paid what you deserve. ⠀
💰Most of us don’t know how much money our coworkers make. But what happens when you do stumble on this info — and discover that a colleague makes more money than you?⠀
💼It's tempting to get angry and lash out, but instead, you should channel this frustration into getting a raise.⠀
🗣️Approach the conversation from a point of curiosity and cooperation, and having specific questions. Don’t accuse and don’t be presumptuous. Companies typically have a predefined salary range for jobs they are hiring for, and you should be able to figure out this range either online or by talking to current employees - knowledge is power, so definitely use this when you're negotiating your raise!⠀
35 98528 February, 2020
KUWEKA AKIBA NI LAZIMA SIO CHAGUO
Kuna watu wanadiriki kusema wanaoweka Akiba ni matajiri ( watu wenye kipato) fukara hawezi weka akiba
Kipenzi osha tongo tongo shiling 10 ilianzia kwenye shiling moja
Some tips to start 2020! We will ask financial experts their best tips for you, and your money. #vestpod#vestpodtips
7 1819 January, 2020
"It's not your salary that makes you rich, it's your spending habits." Charles A. Jaffee
I snagged this sweater and these pants on sale during the holidays. It's rare that I pay full price for anything.
Click the link in my bio for 5 plus ways to save money on clothing.
🤰Let's talk about MATERNITY PAY 🤰⠀
I am now 8 months pregnant so I went ahead and completed my paperwork to get some maternity allowance pay. Here is what I've learnt:⠀
👶If you live in the UK, are working (or have had a job recently) and are expecting a baby, you should be eligible for maternity pay:⠀
- statutory maternity pay: the legal minimum your employer can pay you (paid for up to 39 weeks. You get: 90% of your average weekly earnings (before tax) for the first 6 weeks. £148.68 or 90% of your average weekly earnings (whichever is lower) for the next 33 weeks).⠀
- contractual maternity pay: some employers offer this instead of statutory maternity pay⠀
- Maternity Allowance: this is what you get from the government if you can’t get statutory maternity pay from your employer (the amount you can get depends on your eligibility).⠀
💸 Make sure you also check the other benefits you could be entitled to (depending on your/your partner’s income...): such as Child Tax Credit, Healthy Start vouchers and a Sure Start grant.⠀
😕The Dept for Work and Pensions claims that the UK offers one of the most generous maternity systems in the world. However, the TUC said that the UK was ‘one of the worst countries in Europe’ when it came to paying new mothers maternity pay. In total, new mothers can get 52 weeks maternity leave, but this means that 13 weeks would be completely unpaid. Many mothers can’t afford to take their full amount of maternity leave because they need their full wage to pay their expenses.⠀
💕Also, UK maternity, paternity and parental leave policy design is based on an out-of-date model that does not encourage sharing of care between parents. Statutory paternity leave only comprises a 2-week entitlement paid at statutory rate of £145.18 per week (source: 2018 WBG briefing).⠀
🖥 Make sure you are prepared before going on maternity leave... Check how to claim on the GOV.UK website. You can also use a maternity pay calculator to check if you can get leave or pay when you have a child: https://www.gov.uk/pay-leave-for-parents⠀
I hope this helps! x ⠀
91 35412 February, 2020
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