equities, investment, life insurance, Personal Finance, stockmarket

7 Things To Do Before You Invest in Stock Market

7things

Investing in Stock Market is beneficial because you can achieve your financial goals in the future. You can prepare for your retirement,funding for your children’s education,buying your dream house, business funding and many more. It will require discipline and commitment. It is not easy but it can be done. Many Filipinos do not see investing in Stock Market as a viable tool to attain our aspirations in life. But if you are willing to learn and be consistent on handling your finances well, you can start to invest in stock market and do these 7 things first before you jump into it.

1. Pay your debt. It is ideal that you have no loans before you invest particularly the ones that give big interest. Good interest and bad interest will pull each other,thus, your networth will not grow. Know if what you borrowed is an asset or a liability.
2. Create a habit of paying yourself. Learn to live at 80% of your income. Set aside the 20% for your savings and investment. Everytime you earn,prioritize saving first. Use this formula:Income Minus Savings=Expenses rather than Income minus Expenses=Savings
3. Create your emergency fund. Save 3 to 6 times of your monthly salary. If you will have to pay something that is unexpected,you can get it from your emergency fund. You have money to use if you lose your job,a member of the family gets sick, your daughter needs to pay something at school,the gate of your house was broken down,you need to buy a spare tire and many more.
4. Get yourself a health card and your family members. It is very important that you have health card so that if illness happens, you don’t have to shell out cash. If you will be hospitalized for a dengue, it will cost you like 30k-100k  for a week. But if you have a health card,you do not need to pay for it but the HMO company will take care of it.
5.Insure your non-life assets. Things will not go well unexpectedly. You are driving and suddenly you slam someone’s car or worst is you hit people while they are crossing the streets. This will cost you money if you do not have an auto insurance. Get your non-life insurance for your car,house,business,accident,travel and many more for you to be protected.
6. Get Dread Disease Insurance. We hope that we will not get sick like cancer,diabetes,stroke,terminal illness, etcetera because this will cost you a lot of money. It’s better to have this coverage so that if it happens, you have funds to use for your treatment.
7.Get Life insurance. The most important insurance that you should have. You are the money making machine and if death comes,your income will stop. Your dependents will surely be left for nothing. How they can continue the lifestyle that you are providing with them. If you pass today, would you know if your family will be financially secured without you? If not, you should insure yourself properly.

These are the things that you should do before you invest in Stock Market so that you can maximize the returns of your investments. It is not ideal to jump right away to invest without assessing if you are capable of doing it so. Your hard-earned money should be well allocated otherwise you will lose it all in one snap. The logic here is even if you are earning well to your stock market investment and unexpected things happen, you are prepared for it rather than you will suddenly stop your investment or withdraw it which you will be in a losing situation. If your money in stock market is not even earning yet,you just wasted your time and money. You simply follow these steps from saving money, you can insure then you can invest and you will be in a winning situation long term for you to achieve your financial goals in the future.

Thanks for reading my blog.

Archie M. Yuki
Financial Adviser,Investment Consultant and Insurance Specialist
4th floor Karina Bldg., No. 33 Shaw Blvd. Pasig City
Tel No. 571-3274
Mobile Number. 0917-5769607, 0923-4941362
Email Address: archieyuki30@gmail.com
equities, investment, life insurance, Personal Finance

Poorman’s Grave:What You Can Learn From this Eraserheads Song on Financial Planning

I grew up listening to Eraserheads, I love their songs. I bought their albums as well and up to this days I still listen to their songs. This is also one of the reasons why I studied at UP Diliman because Eraserheads was formed in UP. Who would not know Ely Buendia,Raimund Marasigan,Buddy Zabala and Marcus Adoro? They are the most influential rock band in the Philippines. Most of their songs represent what we can observe in our culture that is why it is easy for most of us to like the Eraserheads.

eraserheads-rappler-interview-rappler-20140403
The Eraserheads(From Left to Right): Ely Buendia, Marcus Adoro, Buddy Zabala and Raimund Marasigan. (Photo courtesy of Rappler)

One of my favorite songs is Poorman’s grave from their album Cutterpillow.  When I first heard it, it was a surreal experience. It was a happy up-beat song but the lyrics were sad. It was a story of a poor man who wished not to be buried in a poorman’s grave when he died. It was a tragic song because the guy was hopeless.

If you have not heard the song, you may check this link from an Eheads fan who created a youtube video with lyrics.

In this regard, I would like to share some things that you can find useful on this song about Financial Planning.

He was a poor man all his life..  Becoming a poor is a choice. It may sound harsh but in everything that happens to our life,it is our choice, no one is  to blame but all of our actions from the past. But it is never too late to improve and change our life by learning how to handle our finances well even though we think that we only earn small income for us not to be poor for the rest of our life.

He said Good Lord, why have you forsaken me.When everything I did I thought was right.. Never blame others for the bad circumstances that happen to our life that is why it is important to learn and look for someone who can guide you to the things that you want to achieve in life. Keep on learning and invest in yourself. Talk to Financial Planners for you to learn to create a Financial Plan. In the lyrics he was thinking that the Good Lord forsaken him, if he was blaming the Good Lord, who else he cannot blame?

All my days I have never sinned,So I hope you wont ignore what I’m asking for… The poor man thought that he never made a mistake in his life, thus , he is not willing to change to be better in his life. If someone advised him to save, insure himself and invest his money, for sure, he will not listen because he will simply say that he is doing the right things on his finances.  Listening to constructive criticism is one good practice to be financially free.

Oh honey when I die Dress me up in a coat and tie Give my feet a pair of shoes/Oh honey when I die Give me a bed of roses Where I could lie… He does not think about what will happen to his family when he passes away. Instead of preparing for the future of his wife and his children like for education, food, etc., by getting a life insurance, he only focuses on the things for the present but not for the future of his family, imagine he will use up all of his savings just to have a grandiose burial.

He comes home drunk every night… The poor man should have saved his money instead of spending money on things that are not important. He never creates a budget plan where he can use his money well so that he will be out of poverty through saving money and eventually he can invest.

All my days I have lived in shame.. The poor man thinks that there is no hope in his life. He is a pessimist obviously that is why opportunities shy away from his life. It is very important that if you want to get out of poverty, you need to become an optimistic person.

Understanding the song Poorman’s grave represents the attitude of most of us Filipinos on handling our finances. We should not do what the poor man did to his life.  It shows that our Financial Literacy is really low that is why even though we earn money from our job or even small business, we will never get out of poverty because we never learn Personal Finance.

I always believe that if you are born poor, it is not your fault, but you if you die poor, it is your fault. It does not matter how small your income is, but what is important is you can discipline yourself to save first before you spend your money and you will reap the benefits in the future.

Let’s aspire to become Financially Free for our God, our country, and for our family.

 

Archie M. Yuki
Financial Adviser,Investment Consultant and Insurance Specialist
4th floor Karina Bldg., No. 33 Shaw Blvd. Pasig City
Tel No. 571-3274
Mobile Number. 0917-5769607, 0923-4941362
Email Address: archieyuki30@gmail.com
life insurance, Personal Finance

Why you should have a Financial Plan?

why you should have a Financial Plan

Have you heard about the adage: “If you fail to plan,you plan to fail. In all aspects of our life,planning is important. But it should not be all plans,it should be well executed and evaluated for you to achieve your goals in the future.

In our life, money is important for us to achieve our goals. It is unusual,if you say that money is not important. We have to understand that our income is not there always to sustain us. There is a study that upon retirement, 63% of us will be broke. It means that a lot of us will be dependent to other people. Even though, while we are earning good while young will not guarantee Financial success in the future. That is why, it is advisable that we need to have a Financial plan. Let me share with you the reasons why do need to have a Financial Plan.

1. You can prepare for your retirement needs when you get old. How much monthly income would you like to receive? You can complement your SSS/GSIS which you can be comfortable that you will not depend to your children or grandchildren.

2. You can prepare for your children’s education. Tuition fees are increasing every year, ranging from 10%-20% increase per year. If you start to create a Financial Plan earlier,the amount that you have to set is smaller compared if your kids will go to college next year than 10 years ago.

3. You can prepare for your dream house. You can set aside money now for you to buy the house that you like in the future. It is possible to pay it in cash!

4. You can prepare for the business that you want to start in the future. Let’s say you want to start a restaurant, you prepare for it by creating a Financial plan.

5. It is possible that you can have a passive income where you can make your money work for you. All you have to do is just withdraw from your investments to sustain your lifestyle.

6. You can bless more people if you achieve financial independence. If today, that your income is not that big but you manage also to give, how much more if you will be wealthy?

7. You can inspire people to become financially independent thus if more Filipinos are wealthy, our country will be also a wealthy nation because everyone knows how to create a Financial Plan. Philippines will be a great country.

With these reasons,you should start your discipline in handling your finances. Even though, your salary is not big as you think or there are so much expenses, you can start right away just by saving money everytime you earn consistently,until it becomes a habit for you and eventually, you can now look for opportunities how to grow your money in a Financial Plan. Always remember, if we don’t  save and invest, we will never achieve financial independence. Start your Financial Plan now!

Thanks for reading my blog!

 

Archie M. Yuki
Financial Planner,Investment Consultant and Insurance Specialist
4th floor Karina Bldg., No. 33 Shaw Blvd. Pasig City
Tel No. 571-3274
Mobile Number. 0917-5769607, 0923-4941362
Email Address: archieyuki30@gmail.com
life insurance, Personal Finance

Why Single Should Get Life Insurance?

The typical market for Life Insurance is people with families to protect. When the breadwinner passed away his/her dependents either the husband/wife or children will be taken care of by receiving the death benefits of the life insurance policy. But if you are single and no children yet, is it advisable to get life insurance? The answer is a big YES! Let me share with you some reasons that single individuals should get life insurance as well.

  1. You may have dependents that rely to your income. I have friends and clients who are still single but they support their parents, brothers and sisters. If death comes to that person, who can now support their parents and how can their brothers and sisters continue the same lifestyle that you provide to them? Thus, it is advisable that on this situation, that person should insure himself as well.
  2. Leave a gift. You may leave a gift to someone who is dear to your heart like even if you don’t support them financially. It can be your church, foundation that you like,niece, nephew, aunt, uncle or partner in business. It is good that leave something of great value when you pass away.
  3. Life Insurance can be your clean up fund. If someone passes away, death benefit can be used to unpaid hospital bills, funeral expenses, and to buy you a piece of land where he/she can be buried. You will not burden your loved ones, relatives and friends to take care of all the expenses that will incur after your death. Can you imagine how costly these days if someone dies?
  4. Life Insurance Disability Rider can be used if you will be disabled and not able to work. You can get an income replacement if in case that you will get an accident and you are not able to work. If you stop working, your income will stop but the expenses will still continue thus you can get it from your Life Insurance Disability Rider.
  5. Life Insurance Dread Disease Rider can help you to treat your disease. If you will get sick, like cancer, heart disease, kidney failure, etc, you will have a fund that you can withdraw right away that can be used.
  6. You can get lower charges in premium if you start young and healthy. Mortality rate gets more expensive when we age because we are prone to get sick compared when we are young. So, it is good that you to get an insurance coverage while young and healthy.
  7. It can be used for your future expenses. There are life insurance plans that can give you funds that can be used for your future plans like buying your own house and lot, car,  retirement, business funding and even preparing for your dream wedding when you get married. These life insurance plans can make your money grow.
  8. You will be more attractive. It shows that you are responsible when it comes to handling your finances. If you are dating someone, wouldn’t be nice if you tell to that person that you have a Life Insurance Plan. It shows that you are the kind of person who really plans ahead and understood that risks of life can happen anytime,thus ,you are ready for it. So, if you will marry that person, you know that when you start a family, you know that he/she will take care of you even to the point that he/she will be gone in the future.

With these reasons, it is advisable that you protect yourself even if you are single so that if risks of life, you have peace of mind that you will be covered. I always believe that intelligent people insure themselves properly. We hope for the best but we have to be wise to prepare for the worst. Insure yourself now while you are still single.

Archie M. Yuki
Financial Adviser,Investment Consultant and Insurance Specialist
4th floor Karina Bldg., No. 33 Shaw Blvd. Pasig City
Tel No. 571-3274
Mobile Number. 0917-5769607, 0923-4941362
Email Address: archieyuki30@gmail.com
investment, life insurance, Personal Finance

How Mutual Funds Work?

I always believe in diversification, it is better to spread our hard-earned money to different financial vehicles that can help us to achieve our financial goals in the future. One financial vehicle that I recommend is Mutual Funds. Let’s define Mutual Fund: A mutual fund is an investment vehicle made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets The money collected will be managed by the investment company.

How mutual funds work:

1. Professional Fund Management-Managed by professional fund managers who are supported by experienced research teams, with real-time access to crucial market information.

2. Diversification-It will be invested to different asset classes like Equity,Balanced and Bonds which can allow you to diversify.

3.Convenience and Flexibility- You can easily invest and withdraw in any amount and choose to invest  affordable, calculated amounts systematically.

4. Transparent and Well regulated- Industry Rules  and regulations are reviewed and refined by Securities and Exchange Commission(SEC) to protect investors.

5. Minimal charges-Charges are small  that can make your money grow faster. Front load ranges from 1%-2% only while Annual management fees are from 1%-2% per annum.

6.You can choose what risks you can take when you invest. High Risks=High Returns, Mid Risks=Mid Returns, Low Risk=Low Returns. Average returns on high risks fund can give 8%-15% per year after 10 years.

7. Access to different asset classes- You can invest to wide range of portfolios that are cheaper than you buy individual companies or government bonds which sometimes that are not available for individual investors.

Let’s say, an investor would set a goal of P1,000,000 after 10 years if the annual returns will be 8% in Equity Funds. How much should he invest every year?

See the illustration:

The investor just needs to invest Ph69,000.30 per year or Ph5,750.05  per month consistently for him to reach the goal of Ph1,000,000 after 10 years but if you put the same amount in the savings account, you will only get Ph722,954.03 if the bank will give you 1% per year.  If you notice that if you just let it grow in Mutual Funds and you will not withdraw it, it will compound itself, it means it will grow more.  That’s how Mutual Funds work for you, passive income will work for you.

It is important to understand that you keep investing for your future even if you think that it is small because you will win on peso cost averaging. It does not matter if the  market goes up and down but it is how long you stay invested until you reach your financial goals in the future. I advise that do not get Mutual Funds yet if you don’t have enough life insurance coverage  first because if death comes or critical illness happens you are protected before you use your mutual fund. Always follow this formula from Saving Money to Insuring yourself to Growing your money to Preservation.

Thank you for reading my blog.

Archie M. Yuki
Financial Planner,Certified Investment Solicitor and Insurance Specialist
4th floor Karina Bldg., No. 33 Shaw Blvd. Pasig City
Tel No. 571-3274
Mobile Number. 0917-5769607, 0923-4941362
Email Address: archieyuki30@gmail.com
investment, life insurance, Personal Finance, Uncategorized

How to Prioritize Saving Money

How to prioritize saving money

Saving money is not easy but it can be done. You just have to have a purpose why do you have to save. Saving money can bring you to Financial Independence because you can create a Financial Plan for you to achieve your financial goals in life. Saving is your foundation to grow your money for your future needs because you will have an opportunity to invest.

Let me just share with you how I save money effectively. Don’t be bothered if how much money you can save at first  because it is more important to create a habit. I use the idea of allocating my money to different categories every time I earn money, it is known also as Envelope System but with me I don’t use envelope, I use clear book which I create categories where I put money on its plastic pages. I just use paper and write what is that category and take notes of the date every time I put money on  a particular category.

Here are some of the categories that I have in my clear book:

1.Giving
2. Savings
3. Life Insurance
4. Investment
5. Grocery
6. Daily Expenses(Transpo,food,etc)
7. Education
8. SSS Loan
9. Tax
10. License fees Savings
11. Load Expenses
12. Miscellaneous and others

Here is the clear book that I use and some of the categories that I have in my clear book. I take note of the money that I put to some of the categories so that if I reach a certain amount, I will transfer it to the bank, life insurance and to the mutual funds.

20170507_231127.jpg

20170507_230351.jpg

20170507_230816.jpg

20170507_230913.jpg

You can create your own categories based on your priorities and financial stage situation every time you receive your income. But for me, my priorities  are Giving,Savings,Life Insurance,Investment and SSS Loan. Everytime I receive an income from the Lord’s blessing, these are the top 5 that I have to prioritize first. I stick to my budget plan,it is really different if you spend only within the budget. I find it addicting to challenge myself to be frugal most of the time. I live a simple life and I prefer not to buy branded items but at the same time I feel happy and enjoy life as well. My budget allocation can be adjusted if I have short term goals that I need to buy or if I have emergency expenses. Some of the categories will be lesser because it has to go to other categories but I never sacrifice my Top 5 priorities. The percentages of my top 5 priorities from my income ranges from 10%-12% each.

You can do this as well because you will know where your money must go before you spend. You will notice when you start a habit of prioritizing saving money first,you can now also allocate money for your life insurance, and investment. You have to understand that when you receive an income,it is wiser to focus on assets than liabilities.You have to grow your networth, it is not really how much we earn but it is how much we save and invest. You are your own corporation, where your money goes can make you bankrupt or prosper in the future, so if you have not started to create a habit of saving,it is the best time to start soon.

Thanks for reading my blog.

Archie M. Yuki
Financial Planner,Investment Consultant and Insurance Specialist.
4th floor Karina Bldg., No. 33 Shaw Blvd. Pasig City
Tel No. 571-3274
Mobile Number. 0917-5769607, 0923-4941362
Email Address: archieyuki30@gmail.com
life insurance, Personal Finance

notolifeinsurance

YOU DON’T NEED LIFE INSURANCE

Yes! You are right, you don’t need life insurance. Life insurance should not be part of your financial portfolio. You don’t have to worry about the billing statement of the life insurance companies send you. You don’t have to set aside a small amount of your income for the premiums of your life insurance because those are only expenses. You don’t need to check if you are properly insured or not to a Financial Planner. I would like to share with you the three reasons that you do not need life insurance, I hope that I can convince you that you do not need life insurance.

These are the 3 reasons why you don’t need life insurance:

1. If you are immortal,you don’t need life insurance. You don’t have to worry about dying because even if you will have a tragic accident, it’s okay because you will not get hurt and can still get out alive.

2. If you don’t have dependents who rely to you financially, it’s okay not to have a life insurance. At least,you have to be ready to secure a budget that you can give in advance to someone for your funeral services or land to buy where you can be buried.

3. If you will not get sick for the rest of your life, you dont need life insurance.  I want to talk to you to know how not to get sick ever.

With these three reasons, you don’t need life insurance ever.  But if you don’t have these all three reasons,you surely need to get a life insurance. Life insurance should be part of your financial portfolio for you to be protected while working hard to achieve your goals for yourself and for your loved ones. If you can set aside a budget for your daily expenses,you also have to set aside a budget for your life insurance.  Life insurance gives you a peace of mind if risks of life happen like Death, Illness and Disability that prevent you from earning money.

Do you know that as low as Ph67 per day you can start already to insure yourself? Yes, you can start with that amount.

Here are the sample details:

Age: 29

Premium: Ph67 per day or Ph2,000 per month

Life Insurance Coverage: Ph500,000

Dread Disease Rider: Ph500,000

Here is the illustration:

age2924kperyear

Getting your own life insurance is not that expensive, you can start as low as Ph67 per day and you can be insured already. From this illustration, you will just have to save for 10 years for your life insurance and the money that you put in for 10 years will give you a life insurance coverage of Ph500,000 until age 99. Now, the exciting part here is the money that you put in for your life insurance will grow overtime. You can withdraw this money partially  on your financial needs at least after 10 years for your life insurance can still be active. If you will not withdraw, if the money earns 10% per year, at age 60, you would have Ph1,928,450.95 already which you can use for your retirement years. If death comes in the future, your beneficiary will get the the death benefit of Ph500,000 plus the amount of the fund value.

Let’s say, the policy holder passes away at age 40 and if the fund value earns 10% which is Ph346,616.49, the death benefit that the beneficiaries will receive the Ph500,000 Death benefit plus the fund value which in total of Ph846,616.49 which will be tax-free if the beneficiary is irrevocable designation.

Now, this just never ends here. It has a Dread Disease Fund of Ph500,000 that can cover dread disease if it happens. After 30 days of diagnosis of any of the dread disease that is covered, the policyholder can get the Ph500,000 to use for medical treatment and his life insurance and his fund value are still intact.

Here is the detail of the Dread Disease Rider:

ddr-list

Knowing the benefits of Life Insurance, it is wiser to insure yourself so that you can protect yourself and your family. I believe that Life Insurance should be called Love Insurance because it is not about dying or getting sick but is about your loved ones who will be taken care of if the time comes that you can no longer provide for them. Now, the question is do you need life insurance or not? I believe that it is important that you protect yourself before anything else because you are the money making machine that provides to your family, without you, your  family will be greatly affected.

To know more about how to insure yourself properly, you may reach me for an appointment.

Thanks for reading my blog.

Let’s all aspire to become Financial Independent Filipinos. Be Free!

Archie M. Yuki
Financial Adviser,Investment Consultant and Insurance Specialist
The Insular Life Assurance Ltd.,Co.
4th floor Karina Bldg., No. 33 Shaw Blvd. Pasig City
Tel No. 571-3274
Mobile Number. 0917-5769607, 0923-4941362
Email Address: archieyuki30@gmail.com
health insurance, investment, life insurance, Personal Finance

HMO Card or Health Insurance?

One of my friends asks me if what she should get if she wants to insure her health, will she get HMO/Health Card or Health Insurance?

I said, it depends to your needs. Some people can get Health Insurance while they are insurable and others can get HMO/Health Card while they are young and it is cheap.

Getting ready for the medical expenses is very important because it expensive to get sick nowadays and if you did not prepare for the medical expenses all of your savings will be wiped out and worst is you will get yourself into debts for you to pay the medical bills.

According to Philippine National Health Accounts (PNHA), Filipinos spent P526.3 Billion for health care in 2013 and majority were paid in cash.  Of that amount, 56.3 percent or P296.5 billion came from out-of-pocket spending. These are expenses paid for by individuals for medicine, medical consultation and hospitalization. It means that Filipinos could have save more money if we consider preparing a form of medical insurance rather than paying it through out of your pocket. It will help Filipinos to spend less on medical expenses if there’s a medical insurance.

Reference: http://bilangpilipino.philstar.com/news/2016/03/31/1567890/philippiness-health-expenditure-climbs-p526-b

12244767_914306611939261_9025552646569532147_o

Let’s define HMO:

What is a ‘Health Maintenance Organization – HMO’

A health maintenance organization (HMO) is an organization that provides health coverage with providers under contract. A Health Maintenance Organization (HMO) differs from traditional health insurance by the contracts it has with its providers. These contracts allow for premiums to be lower, because the health providers has the advantage of having patients directed to them; but these contracts also add additional restrictions to the HMO’s members.

Read more: Health Maintenance Organization – HMO Definition | Investopedia http://www.investopedia.com/terms/h/hmo.asp#ixzz4RY7v7ih8

Let’s define Health Insurance:

Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly. It is often included in employer benefit packages as a means of enticing quality employees. The cost of health insurance premiums is deductible to the payer, and benefits received are tax-free.

Read more: Health Insurance Definition | Investopedia http://www.investopedia.com/terms/h/healthinsurance.asp#ixzz4RYA2MX9D

The questions is will you get an HMO or Health Insurance? Which option will you choose?

886027_914691541900768_6915627903141571539_o-1

For me, it is both important. It should complement to each other. Ideally, I position HMO for your short-term needs and Health Insurance will be for your long-term needs. If you will get sick now while you are young, it is good that you have an HMO/Health Card while if you will get sick when you get old, you have your Health Insurance, while if you get sick at a young age while you have your HMO, you can supplement it with your Health Insurance. It is a win-win position to a person who has both HMO/Health card and Health Insurance.

While most of the Filipinos are employed, most of the employers provide HMO/Health Card to their employees which is a good thing but you are not sure if how long will stay to that company and also you will get old and if you get your own HMO/Health Card you will have to pay higher premiums.

Mostly, HMO’s can give you a Maximum Benefit Limit of Ph60,000 to Ph150,000 when a person will be hospitalized and your Health Insurance can give you from Ph300,000 to Ph1,000,000 coverage plus an investment component that will grow that can supplement your medical fund needs in the future. It means in Health Insurance, after you are finished paying for it for 10 years, your money still grows that you can withdraw in the future while on HMO, you just pay every year and your money will not grow. It is wiser to complement these two. You don’t have to spend a lot of money if you will get HMO and Health Insurance rather than if you get sick, it will cost you more.

If you want to know how to choose options how to create a fit HMO and Health Insurance for yourself and for your family you may reach me for a consultation.

Thanks for reading my blog.

If you want to know more about getting a medical insurance, you may fill out the link below and I will contact you soon.

 

Archie M. Yuki
Financial Adviser,Investment Consultant and Insurance Specialist
The Insular Life Assurance Ltd.,Co.
4th floor Karina Bldg., No. 33 Shaw Blvd. Pasig City
Tel No. 571-3274
Mobile Number. 0917-5769607, 0923-4941362
Email Address: archieyuki30@gmail.com