Empowered Juan

29/12/2025

20/12/2025

🙏

13/12/2025

22/11/2025

Stay positive. Be happy and grateful, always. 💛

People Who Drain Your Energy 🔥 1. Constant Complainer — Always unhappy
Example:
“No matter how good the day is, they always find something to complain about.”

2. Attention Drainer — Needs nonstop validation
Example:
“They keep messaging until you reply instantly — even for small things.”

3. Emotional Dumper — Shares problems nonstop
Example:
“They call you only to vent but never ask how you are.”

4. Conversation Hijacker — Turns every topic to themselves
Example:
“You talk about your day, and suddenly they’re telling a story about theirs.”

5. Drama Starter — Creates fights and chaos
Example:
“One sentence from them and the whole group ends up arguing.”

6. Secret Critic — Judges silently
Example:
“They smile at you but judge every choice you make.”

7. Energy Sponge — Leaves you mentally tired
Example:
“After meeting them, you feel like you need to rest.”

8. Fake Supporter — Pretends to encourage you
Example:
“They say ‘I’m happy for you,’ but their tone says otherwise.”

9. Control Seeker — Wants things done their way
Example:
“They get upset whenever you don’t follow their plan.”

09/11/2025

Pasimplehin natin ang itsura ng VUL.
Variable Unit link or insurance with investment component.

Bakit ka bibili nito?
Kasi gusto mo ng insurance.

Para saan?
Para may matanggap ka or ang family mo in case of death, disability, critical illness, accident, hospitalization.

Paano nagfflow ang pera mo or Premium?

Premium - ito ang hinuhulog mo
⬇️
Admin charges - ikakaltas sayo itong admin cost kasi ito ang revenue ng insurance company to sustain its operations such as salary ng empleyado, commission ng agent, Operation cost, marketing, at iba pa.

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Fund value - yung premium mo na kinaltasan, ipambibili ng units of funds of your choice. Equity o bonds. UNIT BALANCE x UNIT PRICE = FUND VALUE. Pera mo ito. Everyday, pede magbago ang value kasi yung Unit price gumagalaw.

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Insurance charges - kinakaltas sa fund value mo ito monthly. Kabayaran mo yan sa insurance benefits mo. Every year tumataas as you age. The higher the insurance benefits, the higher the insurance charges.

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Remaining fund value - ito ang naiwan sa fund mo. Pwedeng magwithdraw dito.
Pwedeng mag-top up (dagdag)

Next month na hulog mo ng premium, ganun ulit.
Admin cost, bili ng units, then kaltas ng charges.

Take note, nagbabayad ka dahil may benefits ka.

Wag mo i-expect na ang 100k mong pinasok sa VUL, lalabas na 100k sa dulo. Hindi ito bangko.

25/10/2025

13/10/2025

👒

10/10/2025

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