Advantages and Disadvantage of VUL Product

“Let’s take a look when you go ahead with this plan now… “

“Does the SMALL SACRIFICE weigh more than the BENEFITS this plan can provide you and your family?”

Financial Wellness Session in HP (2nd Year)

Last April 15,2016,  our team in Sun Life comducted a FREE Financial Wellness - 3hr Basic Money Management in HP (Hewlett Packard) in IPC Taguig. Because we had a lot of participants for that session, we invited a Financial Advocate Speaker - Mr. Aya Laraya. 

Who is Mr. Aya Laraya? 

Ever heard of Pesos and Sense? 

PESOS AND SENSE started as a TV show in September 2011 on GMA News TV (11). It was a weekly Sunday morning show that tackled personal finance and investments, simplifying it to a more approachable and doable sense.

The show was hosted by Investment Advocate Mr. Aya Laraya who has 25 years of finance and investment experience. He is a Certified Securities representative, a Certified Investment Company representative, a realtor, and a writer with an MBA from University of Western Australia. He started his stint in the stock market as a simple runner for the old Philippine Stock Exchange. On top of being a licensed stockbroker, he gained relevant experience from other industries such as mutual funds, real estate and banking. He also shared his financial wisdom with the youth as a professor at the Ateneo de Manila University.

For 3 hours, he was able to discuss everything they want to know about Insurance and Investment. Aya Laraya is like a One Stop Shop. You can ask him everything and he can answer it right away for you. How to invest, how to get out of debt, how to preserve your wealth and estate, importance of insurance, etc. We received a lot of good feedback from the employees after the talk. 

Thank you again HP for this opportunity. 

Having problems with retention? One of the reason why employees tend to jump ship is because they want a higher salary - but when they get a higher pay, their expenses go up too. It's because they don't know how to manage their finances. Financial Literacy can help them. We as Licensed Financial Advisors and Financial Literacy Advocates can help you - for FREE.

Text or call me HOW.

0922-855-0087

877-6380

Be THRIFTY! DIY treats for our loved ones.

Hubby and I started giving homemade stuff as a gift since Christmas 2010; But most of them were food since hubby loves to cook. Last year, hubby attended a Soap Making workshop. So, we thought, why not give Homemade Organic Soap instead. =)

Anything that comes from the heart is the best gift anyone can receive on Christmas anyway.

The main reason why hubby attended the workshop was because we didn’t want to buy commercialized soaps anymore as they contain harmful ingredients such as alcohol, AHA’s, aluminum,animal fats,etc.

Hubby only uses natural ingredients to make sure that it will not irritate anyone’s skin.He made 4 kinds of soap – Coffee Soap, Tea Soap, Beer Soap and Antibacterial Herbal Soap.

Here are the benefits of each soap that hubby made:

Why Coffee Soap?

Benefits:

One of the best benefits of coffee soap is that it reduces the risk of skin cancer. If used as a hand soap, it works great in removing kitchen odors from your hands (onions, garlic, fish smells,etc). The coffee that hubby made contained coffee grounds that exfoliates your skin. If used on face, this will help get rid of small lines, wrinkles and rosacea. (Note: Since the soap contains coffee grounds, do not scrub the soap directly to your face).

Why Tea Soap?

Benefits:

This can aid the treatment of skin conditions such us acne, cuts, scars and dermatitis. My 3 year old toddler always gets bruises and cuts that turn into scars because of overactive playing. I read from a GT forum that tea bath can treat them faster. Tea is actually a natural antiseptic. What I did before as I soaked 1 tea bag in his bath water for an hour. So hubby thought, why not make tea soap instead. The Tea soap contains tea leaves from the tea bags but has a smoother texture than the coffee soap; so this can be scrubbed directly on the face. This Really helps get rid of those blackheads. Of all the 4 soaps, this one is my favorite.

Why Beer Soap?

Benefits:

Beer is made of HOPS. Hops is known as a relaxing herb. It also soothes irritated skin and contains skin-softening amino acids. The only thing that I don’t like about this soap is it’s smell. I really don’t like the smell of beer. But I think beer drinkers will love this soap. =D

Why Anti-bacterial Herbal Soap?

Note: The 3 main ingredients of this soap are Guava leaves,Malunggay leaves and Gotu Kola.

Benefits:

Malunggay – Both guava and malunggay (moringa) have anti-bacterial properties. I remember when I was a child, whenever I have a wound/cut, my mom would get malunggay leaves and squeeze the juice out off it directly to the wound. They used it as a betadine-substitute. Malunggay also rich in anti-oxidants; This will help reduce the appearance of wrinkles and fine lines.

Guava – As I mentioned above, guava also has anti-bacterial properties. It is one of the main ingredient of the ever popular antibacterial soap “Safeguard”. According to an Australian PHD student reasearch, guava leaves can be used as a medicine. It can be used in treating acne, blemished skin and other skin problems. Guava is also known to help get rid of body odors (underarm, foot,etc). If you have body acne, blackheads, fungal infection and other skin problems, this soap is the solution to your problem.

Gotu Kola aka Yahong-Yahong in Hiligaynon

Benefits:

If taken orally, this herb aids those with problems with anxiety, mood disorders and varicose veins. Some researchers also say that they help prevent cancer. There are ointments that contain Gotu Kola, which are believed to treat wounds and other skin problems.

To make the soaps look presentable, I was in charge of the packaging.

We hope that everyone who received these hand-crafted soaps enjoyed them. =)

Do your grocery shopping - WISELY!

These days,it’s getting hard to maintain your budget for your groceries because prices are going up. But this doesn’t mean that we will just wait for the market to lower down the prices. We, as a buyer should do our own way to cut down our expenses and make sure that our hard earned money are used wisely.

Most of us enjoy going to the supermarket that most of the time, we end up buying a lot of unnecessary things. It’s time to control down our spending habits. 

Below are the tried and tested tips that may help you trim down your grocery expenses.

• CREATE AN INVENTORY – Always make it a habit to check your stocks before heading the grocery. Make sure to check your fridge or your stash on what needs to be replenished. Knowing exactly what you need will prevent you from overbuying. Remember, perished goods are money wasted. 

Always check and take note of what needs to be replenished.

• GROCERY LIST – List down all the things that you need to buy. It will help you much better if you group it based on what type of items are they ex(milk, baby shampoo,toothpaste for kids,etc). Remember – DO NOT BUY THINGS THAT ARE NOT ON THE LIST. 

This is really a MUST before heading to the grocery.

• LOOK FOR SALES AND SPECIAL OFFERS – Most supermarket offers discounts and special offers. Take advantage of it but make sure that you don’t overlook the quality.

 

• BUY STUFF IN BULK – Buying things in bulk will save you money. I suggest to buy the ones that are not perishable (toiletries, detergents, toothpaste,etc). You may also buy stuff in big sizes. I assure you, it’s a big savings. :) 

• AVAIL THE MEMBERSHIP CARDS – Most, if not all membership cards have freebies so take advantage of it. Ask your favorite Supermarket on how to avail it.

 

• DON’T BE SHY TO BUY THE STORE BRANDS – Surprisingly, these cheap store brand items will help you with your budget but won’t disappoint you. 

It’s still a must to check the information at the back of each product especially the Expiration Date.

There you go… Happy Shopping. :)