Question from a reader: Hi Ms. Rose. I just wanted to send you a message to tell you that you are such an influential woman and I really look up to you. You have contributed a lot to my growth, especially in handling my finances. I would like to ask if you have plans of conducting seminars, because I’d love to attend one. May I also ask what you think about me buying a VUL? I’m still a student and graduating soon. I already built my emergency fund and my next step is to get myself insured and to invest. Would you recommend buying a VUL for me? God bless you even more and keep on inspiring us. – Isabel via FB page PM My answer: Thank you for your kind words Isabel. And congratulations for having already built your emergency fund while still a student! Big cheers to that. It makes me feel great to know that a young student has immediately implemented an FQ lesson learned. Regarding the seminar, we are set to have one by the end of the year, so I hope you can join … [Read more...] about A student asks about buying a VUL
I need to buy health insurance
Travel insurance in Singapore is super-competitive when it comes to pricing. That’s great for us consumers, but it also means that you shouldn’t always choose the cheapest travel insurance plan you can find. You might end up with a dud if you make your decision based on price alone. BEST TRAVEL INSURANCE IN SINGAPORE 2019 So… how like that? Unfortunately there’s no way around it – you do have to do the research to find out what each travel insurance plan covers and what it doesn’t. Here’s a quick look at which insurers you should go to for your needs: Best for Travel insurance provider Cheapest travel insurance Etiqa, FWD, Aviva Highest medical coverage Amex, Allianz, Aviva, FWD Adventurous activities Etiqa Basic, ERGO, FWD Expensive trips Amex, AIG, FWD First, Etiqa, Aviva Pre-existing medical conditions NTUC Emergency assistance service AXA, AIG, Sompo (Japan) Want to know more about which specific … [Read more...] about Best travel insurance Singapore 2019
After reading Sen. Ping Lacson’s revelation of the billions of pesos collected by the Philippine Charity Sweepstakes Office (PCSO) that do not go to government coffers and are instead diverted to the pockets of PCSO officials., corrupt politicians, policemen and syndicate operators, I feel my lotto problem is minuscule. But I still want my P576 back. I buy my lotto tickets in bulk--six draws--to save time and effort in going to lottery outlets. Last Friday, I went to an SM lotto outlet to place my bets for six draws of 6/42, 6/45,6/49 and 6/55. I paid P576. I always dream of hitting the jackpot and I already have a plan how to distribute the “blessings.” Through the years, I have spent thousands of pesos chasing that dream and I’m not giving up despite the fact that the luckiest I got was three numbers. I always console myself with the thought that the money I spend for lotto benefits the sick and the poor. So, I thought. On Friday evening, the … [Read more...] about OPINION: What will happen to my lotto bet?
Bestselling author Dr. Steve Maraboli once said, “Get-rich-quick schemes are for the lazy and unambitious. Respect your dreams enough to pay the full price for them.” It’s true. Get-rich-quick schemes — like corruption and gambling — are nefarious and corrode the moral fiber, work ethic, intellect and character of people, whether entrepreneurs or professionals. Let us teach ourselves that success is earned through working hard and working smart, not through shortcuts, cheating, fate or luck! A reader of this column, Christian entrepreneur and founder of the 2,000-branch The Generics Pharmacy (TPG) chain Benjamin “Ben” Liuson, jokingly told me that there are three get-rich-quick ways to become super-rich in the Philippines: first, be a gambling or jueteng lord; second, be a drug lord; and last but not least, be a “Praise the Lord”! Another Philippine STAR subscriber, the publisher of the 100-year-old Chinese Commercial News and … [Read more...] about How to avoid ‘get rich quick’ schemes and scams
An OFW asks, 'Should I buy my health insurance now for my retirement in the Philippines 10 years from now?' Question: Hi Miss Rose! I wish to check your thoughts on this po. OFW po ako in Singapore. Maganda ang health insurance coverage namin dito pero gusto naming maghanda para sa aming retirement sa Pinas probably in 10 years. Naisip naming kumuha na kami ng insurance kahit na overseas pa. Kaya lang parang walang health insurance product sa Pinas na suitable sa OFW. Any suggestions po? Mag-iipon na lang po ba kami at bibili na lang ng health insurance paguwi namin sa Pinas? Ang downside po kasi e baka may pre-existing conditions na by that time. Looking forward to your inputs po. Thanks and God bless. Answer: Hi Resie. I’m glad to hear that you currently have a good health insurance coverage in Singapore. I also admire your proactive attitude about your retirement and a good retirement definitely includes your health matters taken care of. It is … [Read more...] about An OFW asks, ‘Should I buy my health insurance now for my retirement in the Philippines 10 years from now?’