Posts tagged ‘insurance’

Comprehensive Car Insurance Coverage: Should I Get One?

Updated: August 18, 2017 | Personal Finance | 6 Comments

Is it worth it to buy comprehensive car insurance? The straightforward answer is YES. In the Philippines, all vehicle owners are required by law to have the Compulsory Third Party Liability (CTPL) Insurance. This covers injuries caused by the driver to other people. Unfortunately, it does not cover the costs to repair the damage on […]

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Tips for Financially Healthy Car Ownership

Updated: May 31, 2017 | Guest Posts, Personal Finance | 4 Comments

Buying a car is a significant financial commitment. While it can definitely make your life more convenient, there are also a number of ways it can come back to bite you. Gas, car insurance, and maintenance costs add up, and they can quickly get out of hand if you are not careful. If you do […]

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Travel Insurance: Is It Worth Buying?

Updated: April 30, 2018 | General Information, Personal Finance | 5 Comments

Today, there’s really no more excuse not to travel. What was once considered an expensive luxury has become affordable to many — thanks to the budget airline industry who made traveling more pocket-friendly for everyone. And that is great because traveling teaches a person important life lessons that he or she wouldn’t learn otherwise. When […]

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Life Insurance Coverage Calculator

Updated: February 8, 2018 | Personal Finance | 5 Comments

Life insurance is an essential product that provides financial protection for your loved ones. And one of the most common question that people have when it comes to life insurance, especially parents, “Is how much life insurance coverage do you actually need?” To answer this question, I now give you a simple life insurance calculator, […]

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BTID vs VUL and How I See Financial Planning With Respect to Life Insurance

Updated: November 24, 2017 | Personal Finance | 17 Comments

Buy Term, Invest the Difference (BTID) versus getting a Variable Unit-Linked (VUL) life insurance is always a divisive topic, even among us Registered Financial Planners. There have been many attempts to compare them based on actual figures and both sides can always come up with results that favor their stand. However, I believe that protection […]

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How Much Life Insurance Coverage Do You Need?

Updated: April 25, 2018 | Personal Finance | 20 Comments

If you have dependents or a family breadwinner, then you need life insurance. If you’re not sure if you need one, then just imagine what would happen to your loved ones when you die tomorrow. Will they be able to survive and continue living the way they are doing now, or will their lifestyle suffer […]

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Reader Mail #22: OFW Personal Finance and Investing Questions

Published: March 4, 2013 | Investing, Personal Finance, Reader Mail | 3 Comments

Last week, I conducted a personal finance webinar with mostly OFW’s as my audience. The whole talk, including the question and answer portion, lasted for about an hour and a half. If you wish to watch the recording, you can view it HERE, you just have to register your name and email address. On a […]

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SunShorts Feature: The Debt

Published: September 8, 2012 | In Focus | 5 Comments

Do you have life insurance? That’s the question I asked about a month ago in my post entitled, On Life Insurance and Heartwarming Stories. And the answer I gave there was simple: If you have dependents, then you should have one. Why? For many reasons, but personally, the most important one is because we never […]

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On Life Insurance and Heartwarming Stories

Published: July 30, 2012 | In Focus, Inspirational, Personal Finance | 1 Comment

Do you have life insurance? If you have dependents, then you should have one – that’s the simple truth. Unfortunately, not many Filipinos consider getting life insurance a current priority. In fact, a study released back in 2011 by insurer, Manulife Philippines, says that “Filipino families are vulnerable to financial catastrophe because only 13 percent […]

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Why You Need Insurance for Your Business

Updated: May 4, 2013 | Business, Guest Posts | No Comments

I have a friend who used to own an internet cafĂ© business. Only a few months after he opened, burglars broke into his shop one night and took all his computers. It was a truly depressing day not only for him, but for his family and us, his friends, because we knew how hard he […]

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The Three Most Often Ignored Necessary Expenses

Updated: June 23, 2018 | Personal Finance | 4 Comments

Part of being financially smart is distinguishing between necessary and unnecessary expenses. We all know that food and shelter are basic necessities. Clothing too, but only to a reasonable extent. And depending on our lifestyle, there may also be other essential costs that we need to pay for. But along with these, did you know […]

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Reader Mail #11: Blogging, Business Startups and Mutual Funds

Published: December 8, 2009 | Reader Mail | 4 Comments

It’s been awhile since I’ve posted some of the reader mail I received so I thought I’d do that today. So here’s a few select letters I’ve received through my email and my thoughts on them. Thanks to all those who sent their inquiries and I hope I was able to help. As always, please […]

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