10 Reasons why my friends and I are Crazy Desparate for MonstaInfinite!

As a gamer and investor, I always read and study carefully the economy and tokenomics of a certain NFT Game. 

So many out there but few are sustainable. 

I first heard this from one of my close friend, Maco Robregado while having a video call with Ronnel De Dios. We call our group the POKS of Parbury. 

We got excited knowing that this came from Singapore where the 3 of us met each other. It’s like bridging again our connection like before with MonstaInfinite. It feels like we belong and there’s a connection righty away.

We started reading the whitepaper and study how the economy of MonstaInfinite is like in terms of sustainability and growth potential. After reading the whitepaper and it’s roadmap, we started to become a fanatic of MonstaInfinite and begun random video calls to talk about the potential of the game in the future and how can it rival the most popular NFT game now, Axie Infinity. 

We started to jot down all important events like the pre sale of the MONI token and Inception Monsta.

Despite our busy schedules, we do our homework diligently to follow them on all social media platforms and even closely monitor and participate in the conversations in discord to stay updated on the know hows of the presale

What’s even more funny, a night before the presale, midnight or not, we video call each other to plan our attack on the upcoming bidding war because we know, after reading the potential of MonstaInfinite other people will see what we saw… One of the greatest NFT game is being born and we want it so bad to be part as the pioneering players in the game. 

The 3 of in video calls excited for Pre Launch!

While many people wanted to be part just because of the hype and the immediate growth potential of their money thru investing, we see it to be part of our daily lives in the long run as we enjoy the game and earn from it. 

We normally start our video call 30minutes before the pre sale launch to help each other should there be any issues that may arise. As close friends, we all want to be part together not leaving anyone behind. 

We queue diligently ahead of time hoping and wishing to be part of the whitelisted candidate. Just like us, soooo many people saw the potential of MonstaInfinite. It became very tough for us to join and be whitelisted. From moment of happiness and excitement comes sorrow of sadness for not being chosen. 

But as a believer and fanatic of the game, we are still looking forward for the game to be born and still be part of the upcoming pre sale launches. The game still provides ray of hope for us to be part of the pioneering players thru giveaways of inception Monsta, normal monsta, beta test and alpha test.

As I write this blog, I am actually on video call with my 2 friends as we laugh and have fun talking about our failed attempts on different pre sale launches. 

So now, why we became desperate for MonstaInfinite and why should you be part of this?

For more information about this, I strongly urge you to read the whitepaper to see what we saw. Here’s the link: https://docs.monstainfinite.com/

I will be creating future videos about MonstaInfinite in my Youtube channel. You can follow me in this link: https://youtube.com/c/MrBudgetInvestor

WHY MONSTA INFINITE?

It is a game patterned to Axie Infinity with a different storyline. It a battling NFT game for everyone to enjoy and earn money. You will be battling using your super cute looking Monsta to become the best!

As this game is a close imitation and total improvement of Axie Infinity, they have improved on the shortcoming of the rival popular game in terms of economy and sustainability. 

If you are a crypto investor. we are seeing Cardano (ADA) rivaling Etherium (ETH) in smart contract. The first mover and second mover. Both got great potential. But the former is the more improved version which is MonstaInfinite. 

Why it is sustainable?

(1) They have a solution right away for the future over population of Monstas thru augmentation where you will sacrifice your Monsta to enhance and acquire new special skills for your favourite monsta. This will solve dramatically over population of thru cloning.

(2) They solve the issue in PVP matching problem experienced in other games where people who have more money to buy a better team has a better chance of winning in PVP battles where they earn more rewards while people without deep pockets are on a losing end… Earning less. Here, they created balance where they will use the Arpad Elo System where players will battle according to their skill sets, rank and attributes.

(3) Cloning just like in Axie Infinity, they will also use 2 different tokens for burning to clone a new Monsta. A progressive system where you can clone your monsta upto a certain number of times. The more cloning you do, the more expensive it becomes. Burnig of token is important to maintain balance and liquidity in the token price. 

(4) BOT related problems which is one of the main concern of many NFT games. They implemented the Match-three Puzzle system in their gaming to manage BOT problems from playing in the game. They make it more complex to avoid those annoying BOTS who take advantage of the game and putting the game out of balance. This is very important because, the easier it is to play using BOTS, the more MONI will be minted in the circulating supply making the price of the MONI token in the long run unstable.

They are also looking for ways to detect BOTs in the future. 

(5) More Gameplay coming soon like the Land-games where you can craft and design your own NFT asset to increase monetisation value for investment purpose. With the rise of NFT’s in the market such cryptopunks and many more, this will be another great changer in the marketplace.

To top it up, your NFT digital asset does not live only within MonstaInfinite. It means that even if the game is no longer available, you NFTs still has intrinsic value in the openworld.

(6) Token Allocation is 16% for the team which is very agreeable. The issuance of of their token will be on Q4 of 2022 showing the developers commitment to the game. You can see in the chart the gradual release of locked tokens. We are very very happy to see this. Thank you Developers!

(7) They will establish a 24/7 game support for us gamers for issues arising while playing.

(8) Privacy Management where they take priority of our user accounts using 3rd party authentication methods such as google authenticator. 

(9) Scalability of NFT assets. They format the item attributes of Monsta in JSON format giving them more freedom to expand for new additions and game features for a greater creativity. 

(10) Staking Rewards. Just like Axie Infinity, they have a governance token ($MONI) and an in game token currency Stamen Tellus Token ($STT) which you can earn through battles. 

$MONI token can be staked for more rewards and earnings. Holding this token will give you rights to participate in the economic decisions of the MonstaInfinite ecosystem. 

(11) The developers and their CEO Jin Tan. The 3 of us watched the online streaming on Youtube. They made us excited in their game plans and even publicly showing himself answering thousands of people in their live streaming. It just shows that their credibility towards the game itself. 

CEO Jin Tan

These are the 11 reasons why you should also be excited in MonstaInfinite like the 3 of us have.  

We just hope that this article remove your doubts and start to become a believer.

Welcome to MonstaInfinite world!

Cheers!

One Important Foundation that many keeps neglecting

 Dear Fellow Professionals,

I am writing this article once again to push thru in opening everyone's eyes.

I had this recent case I handled where a good client of mine who is healthy and have a sudden health problem.

Many people still don't believe and does not want to have a hospital benefit of their own. 

Many of us still rely so much in our own company insurance which most of the time has a limit and not extending to our direct dependents.

Have you ever wondered if you get confined in Singapore without proper health benefits?

It is Disastrous! Your hard earned savings and most of the time your liquid investments will be withdrawn. And for what? To pay the bills?

Let me show a sample of a bill size here in Singapore can cost you...this is an actual confinement bill in Singapore Government Hospital last year. 

You set this money aside for a specific purpose and you  cannot just use it to pay for your bills. 

That is the exact reason why INSURANCE is made. 

You need to protect yourself against this kind of uncertainties. You cannot just say, "I never get hospitalised in my life." Remember, that is what most people said until they got confined and regretting not having an insurance set aside for them. 

Below are the common feelings and thought when you get hospitalised without proper insurance in place:

-I don't want to go to hospital, it is very costly
-Which room is the cheapest
-Where will I get the money?
-It might take out all my savings.
-I will just try to do self medication since its expensive
-I cannot afford to be hospitalised

and so on...

In the first place we already know that being hospitalised is expensive, then why take the risks of not having something that can protect you and give you peace of mind?

You don't need to buy insurance using all your income. It will only cost you less than 5% of your income. 
Having a hospitalisation benefit is a must. 

To sum it all up, I urge you to get one for yourself and your family. 
DO NOT TAKE THE RISK OF NOT HAVING ONE. 

Remember, why did you set a portion of your hard earned money for? It's not to pay the bills right?

It is for a specific purpose maybe for your business plan, education of your kid, retirement, your planned travel, set aside money for your family, protect against sudden job lost and more.

Let me tell you NOW. It is NOT WORTH IT. 

Click this link for regular updates in your email: 

The Best Time to INVEST again is here since 2008 Crash

Have you been thinking about investing lately? And hearing a lot of experts saying that many companies are very cheap?

Well, IT IS TRUE!

I hope by reading this, you also take action in starting your investment journey and go with the flow and profit from it in the long run.

If you can remember what happened last Sub-prime Financial Crisis of 2008, there was a sharp downturn in the market making people scared in investing.  While few took the opportunity to invest and profit from it.  Many investors who invested during that crisis managed to take a whopping profit of 60-80% of their money in just 2years time. Of course there are no guarantees in investing, but following all the previous financial crisis cycles, it normally bounced back stronger. 

Last 2008, I was still working in the Philippines and totally unaware of what happened during that crisis. It made me think that if only I am financially literate, I should have taken that great advantage to profit and probably you can see me now organising free seminars on how to do it. (Lol)

And now it is happening again but in a larger scale. You can see in the news companies filing for bankruptcy, millions of people losing their jobs and more. Basing from the previous economic crisis, this is another chance for us to take action and profit from it. 

Of course, as an investor and entrepreneur, I am not happy about the effects of this kind of crisis. People lose their homes, their job and many companies into bankruptcy. 
It is not fun seeing people in the news losing great things that they built for many years. 

The main reason I am writing this blog story is to share to everyone to take advantage in this kind of crisis. 

I also want to emphasise the importance of being financially literate by doing our due diligence in understanding financial planning. You dont need to be a genius, you just need to look for trusted and credible person you can ask regarding this kind of topic.

I am an average citizen working in Singapore who has been in many financial struggles in life, I studied and learn from many experts about being financially literate and how to take advantage in this system. 

Now, I am writing this blog to encourage everyone to take action; learn new things to achieve your goals in life. This pandemic is a pain yet offers many great opportunities to people who are willing.

And I hope, you are!

If you have any questions, you can message me via whatsapp: +6584285361

Follow me on my Youtube Channel: shorturl.at/GNOTV

Facebook Page:https://www.facebook.com/medzronmacasaet/

Medz Ron Macasaet
OFW in Singapore

Why Filipinos Overseas are BROKE? (bato bato sa langit)

Hi, Im back! Im doing this blogging in my free time.

Im so happy to see many Filipinos are now working in Singapore as Professionals and have the income many of us aspire to have.

But sadly, sooooooooo many are still financially illiterate  on how to use their money however big their income compared to Philippines. So many will still go back home broke.

Many of us have been working here for years yet still no investments and insurance in place for their self and family.

What most Filipinos do today is rather show off their travels, the food they eat, prestigious hang out with friends and more in social media. But how about your bank account? Your financial worth for the years you have been working?

Wake up guys!

We dont need to be active in social media just to show off how much we earn if we dont know how to use it wisely to have a sustainable income in the future.

I am not saying that posting in Social Media or showing off your life leisures are wrong. It is your freedom and it is your right! My point is we should learn how to pay ourselves first.

Many Filipinos are still afraid in investing where it will only take a portion of their income to have a sustainable future.

Always ask yourself this,

WHAT IS YOUR "WHY" IN WORKING IN SINGAPORE?

If your why is to have a better future for your family,  a stable income, start a business that you have been planning for many years,  education of your child, buy that beautiful house you've been dreaming off... Then what are you doing now with your income?
Are you saving enough? Are you Investing enough? Are you investing enough with yourself to learn the hows of financial planning?

Forgive me for the harsh words I wrote in the previous paragraphs. I only want to share my feelings on how I see many Filipinos act here in Singapore.

Yet, the other side of the coin are few Filipinos who are wise with their money. (KUDOS)

I know a few Filipinos who are just silent yet have millions in their bank account and have plenty of investments in Singapore and Philippines. Do they enjoy their life? Yes they do! They also have travels and lots of leisures in life.

It's just these people know how to pay themselves first.  They know the value of Financial Planning in their life. 

Being financially successful is not about how big your income is. It is how much you pay yourself first to build your wealth and have a steady flow of income when the time comes to return back to Philippines.

FINAL THOUGHTS...

Let us NOT ask ourselves these questions...

 what if my S / E Pass is rejected?
 What if I lose my job?
 what if? What if...? What if...????

If you keep asking this question to yourself, then be ready to be BROKE because you will never ever make it to a decision where you can step forward towards achieving your financial goals. 
Doing nothing is even riskier than doing something something. We might as well fail doing something and learn something than not doing anything and fail without any learning at all.

LEARN to ask yourself this, 

What if im still here and Im able to work longer?
Dont you think  you have gone a long way if you started years back? How many years are you now working overseas?

 There is no right time in starting to build your financial future! The right time is NOW. Then work your ass off!

Always remember that GOD grace us this blessing. Dont waste it. Multiply it so we can be a blessing to many. God Bless kabayan!

The writer is a financial literacy advocate, consultant,  investor and businessman. He believes that we should maximise our stay overseas for investments that can bring us closer to our financial goals in life.

Should you require more information on how to start your way to reaching your financial goals, you can reach him via whatsapp +6584285361
Email: medzron.macasaet@gmail.com

Pinoy S & E Pass Investment Opportunity!

If you are reading this article, malamang... 

Ikaw ay isang mahusay na Pilipino na gusto magplano sa future. Maaring:

(1) Retirement mo para may pera ka at HINDI AASA sa Anak

(2) Emergency ng Pamilya in the future

(3) Pangarap mong kotse 

(4) Bahay na pangarap mo pag uwi mo ng Pinas sa nalalapit na pagretiro

(5) Lagiang paglipad sa ibat ibang lugar sa Pinas o bansa.

(6) Pangpondo sa education fund ng anak mo

(7) Pagpondo sa future na negosyo mo

(8) Family Bonding at Sagot mo!Power!

Ang investment tool na ito ay may simpleng condition lang...

Magpondo ng pera kada buwan. Minimum ay $200 lang. The more you put, ,mas malaki papaikutin mo and bigger potential!

Yes! Yan lang at very simple!

Hindi ko sinulat itong articulo mangako ng financial freedom or financially FREE.

Sinulat ko ito upang ibalita sa ating mga kababayan ang isang napakagandang Investment tool sa Singapore na magandang tool of investment para sa foreigners na S Pass at E pass.

Itong plan na ito ay masasabi kong DOUBLE LEVERAGE where ang pera mo will work harder para sayo at makamtan ang ilan sa mga pangarap mo sa sarili mo at sa pamilya. 

Itong Investment tool na ito ay isang Unit Trust. 

Investodia defined it:

Bakit ito Special? 

Ito ay dahil sa DOUBLE LEVERAGE...

UNANG LEVERAGE:

Ito ay isang Unit Trust Fund na kung saan internationally naka invest ang pera mo, pwedeng sa Asia, US, Gobyerno, pribadong sektor at iba pa..

Sa ganitong investment, meron kang FUND MANAGERS na naglolooksy sa funds mo. They manage at nilalagay sa Iba’t ibang mga sektor ang pera mo depende sa kanilang research and pag-aaral ng market. Ang desisyon ay nakabase sa kanilang resources, analysis sa market outlook. Dito wala ka na gagawin, maglalagay ka nalang ng pera para palaguin. 

Maari na iniisip mo na normal na unit trust or mutual funds lang ito.. Pasok tayo sa pangalawang Leverage paano naging special.

PANGALAWANG LEVERAGE:

Dito hindi ikaw, agent or banker ang mamimili anong funds ang pera mo ilalagay. Malamang with our limited resources and knowledge sa global economy, we wanted na may tao o propesyunal na pwede mag advice sayo ano magandang funds tama ba?

Habang nakainvest ang pera mo sa unit trust na managed ng Professional Fund Managers, meron pang isang klase ng Professional na tumutulong para maging maayos at optimised ang investment mo para lumago.

Introducing MERCER.. 

Isa silang Global Consulting Firm and one of the best in their field in financial services. They’ve been sa market for over 70-years. A highly tested professionals at may napagandang track records sa history of management. 

They do their assignments sa pagaaral, analisa at pag hima himay ng global market outlook. Inaayos nila ng maingat at mabuti ang paghiwa-hiwalay ng funds mo para ma smooth out o bawasan ang volatility ng market making it very good sa pagpapalago ng pera in the long run. 

Dito, optimized ang pera mo.

DOBLE LEVERAGE Investment para sa lahat!

Ito ay isang investment tool para sa mga taong busy na ayaw masyado mastress kung san ilalagay ang pera at para hindi ka na din ma-scam.

Ang mayayaman at middle class ay nagiinvest ng portion ng pera nila sa gantions klaseng investment tool. Ikaw din, a small portion can make a lot of difference sa long run.

Kung interesado ka sa ganitong investment, 

Call or message me sa +6584285361/ Medz Ron

Let me introduce myself.

Im a stocks investor and a trader and property investor.

A strong believer of personal finance where building your emergency fund, comprehensive insurance and a well diverse investment is very important. 

2018 Saving Challenge will not bring you Financial Success.

Before I start writing, let me greet you guys a Happy and prosperous New Year! 
Please bear with me until the very end of this blog, I believe it can open eyes to help start work their own success to financial freedom. 

Im writing this blog to help thousands or millions of our Kababayan to become savvy towards achieving financial success. Im writing this hindi para makiuso sa sikat na 52 Week Savings Challenge. Just to expound it even further for all of you.

Repeating it again, Saving Challenge will not make you financially successful. 

Financial success does not start from learning how to start saving but rather investing in your financial Intelligence or in short invest in yourself.

Usong uso na naman ang Savings Challenge.. It is good but still very much incomplete. 

Im not saying its bad cause it has helped many people saved money and was surprised how much they can accumulate in a year. Saving is only good if you have a very short financial goal such as going for a holiday, family reunion, etc.. later I will explain this further.

The concept I will share works best for people with surplus in their monthly cashflow. If you still follow 52weeks, 12months saving challenge, then you truly are being mistaken. But if your cashflow does not have a surplus, this is still good for you but first check and look for a problem. Im sure something is wrong there which is why you cannot go further ahead with your goals. What you need to do first is good budgeting and allocation to have a surplus then you can follow this concept I will share.

What am I saying is saving alone will not make you rich and financially successful. Have you met a successful person who becomes successful just by saving money in the bank (you just make the bank richer, you remain poor), under the bed or putting it inside the vault? I bet none. 

If you think you have, how do you define financially successful?

There are so much more at play... Simply adding INFLATION in the equation makes your money lose in value.. the longer it is, the bigger the drop in value. Your savings interests given by the bank wont be enough to cover for inflation. TRUST ME.

Inflation, simply erodes the value of your money. You and I feel it. We are aware but most of us do not act. Go back 10years ago, how much can you buy with a P1,000 bill in your hand comparing to today's value. The value shrank quite a lot right? That's inflation right there.

Guys, let me just share my thoughts and learnings about personal finance from different studies. I will tackle more about cashflow.

Let me share to you the 4 Vital Money Allocation I have been using to make my cashflow stronger and healthier every year. 

I will not share with you how to become a mega rich person like those business tycoons or what Robert Kiyosaki teaches us to be like to become financially successful. Im not very rich but I follow financial planning in a balanced portfolio to just simply have a balanced life, enjoying family with my kids soon, good retirement as planned, and have a wealth to leave my children and the next generation. In short a comfortable happy life with lesser stress. Same goes to some of my clients I shared with.

(1) Emergency Fund

(2) Insurance

(3) Investments

(4) Chocolates 

EMERGENCY FUNDS

-this is one of the most important foundation of your salary. Alxways remember that it is not accumulated for illnesses or accidents to pay the hospital.. yes, you can use it only for partial liquidity but it is not its main purpose. 

Its main purpose is to make sure that you still have the capacity to maintain all your obligations per month even without a job. Losing a job is an urgent matter you should take seriously. Imagine you are paying a property investment and lose your job because of retrenchment. Where will you get your money to pay the loan?

Most of us who don't have emergency fund tends to borrow money from a friend that sometimes hampers other family's money. I believe you agree with me not becoming a burden to anybody else where in the first place it was our mistake not saving for this important fund. Some people tend to bring it to a higher level by borrowing money from a lending company or sometimes a bank. Without proper planning, it will hamper you greatly which might costs you more by paying interest and sometimes, can cost all your investment to stop because of this and later go back from scratch..

Can this happen? Does it happen? Absolutely! It can happen to all of us. But for my part, I have emergency fund. How about you?

How do you know how much Emergency Fund will you need? There's no definite answer to this. 

In financial planning basis, if you are single and with lesser obligations, sum up all your obligations per month and multiply it to 3 to 6months.. assuming you have $1500 monthly obligations X 3months = $4,500. Then that is your fund requirement.

For married couple and for single with very high obligation level, use 6 to 12months as your basis multiply with your obligations. 

I urge you to get the lowest month in computation. Like 3 months only for singles and 6 months for married couple. The logic behind is to give you a sense of urgency. Imagine having 12 months of emergency fund for couples, most of the time we tend to become lazy to look for a new job since you have all 12 months covered. Always remember, a few months of laziness affects your overall accumulation of wealth thru investment compounding.

INSURANCES

-another important funds in building your Financial backbone. Its purpose is like emergency fund but not for losing jobs and liquidity. 

Its main purpose is to assure and protect all your financial goals and the reasons you invested. To assure that your plans will realised and achieved for yourself and family should you become ill or get into an accident or hospitalised. It is to protect all the investments you have accumulated to reach its desired point. 

Most people avoid this vital allocation of your money simply because we think that nothing happens. Who the hell who wants to have himself hospitalised let alone be in an accident? Nobody wants to use insurance as much as possible. Even I myself dont want it. But if it happens and we are all sure it will happen we just don't know when, start thinking how prepared are you to lose all your investment, the education of your child, your retirement plans and your financial goals for yourself and family.

Imagine yourself hospitalised for few weeks due to accident or illness.. how about cancer, heart attack, stroke, comatose, etc... have you ever thought what can happen to all your investments, your emergency fund do you think its enough where it is only computed based on monthly obligations? 

If this happens and with all your investments like stocks and mutual funds will be withdrawn prematurely causing you to lose more. Your property, because of non payment of loans will most likely be taken away by the bank. It is painful to just think that all major financial plans will go to zero and sometimes affects your family as well.

Assess yourself, why did you buy those investments? Im sure you have goals... but all those might be taken away from you. Many people experienced this..many rich people felt this.. why not you?

There are many types of insurances and it is not the topic of my blog so will have to do this some other time. But if you need any help do not hesitate to contact me and inquire what and the how of this.

Importantly is for you to have a cover for death, total disability, early and critical illness, hospitalisation and accidents. 

INVESTMENTS AND BUSINESS OPPORTUNITY

-this is the most loved to be heard and learn by everybody. This is my 2nd most attractive allocation. This is the 3rd component where achieving your financial goals can be realised. 

-it is best not to focus on this one yet without strong foundation. Even so, still allocate a portion in investing to start working your financial goals. There are many ways to do this, opportunities are so vast nowadays. The first thing you should do is to go to internet and check some available investment opportunities that suit you. It does not matter what investment you are in as long as it is inclined to your long term plans.

Do not just go into investment tool because your friend say so.. how sure are you that your friend is financially savvy in investing? Is this person credible to you? Always see that point. 

In investing, first is study before you act. Do not make hasty actions because your friend tells you "its making money for me"... Guys, go back and assess yourself.. what is it you really wanted, your passion, and what you hope to accomplish as an OFW in Singapore or anywhere around the world. Always ask this question, is it inclined with my financial plans for myself and family?There’s so many to consider first and we all have different reasons. What are yours?

Many people fall to this mistake of following other people. When did you let other people decide what you want? You and that person have totally different situation. For instance, I met some people buying property because other people say so and later costs them money, time and effort. After a year of buying, they found out that its not in the best interest for the family and totally not inclined with what they really wanted to achieve in life. Please do not get me wrong, Im not saying property is bad. In fact, it is one of the best investment tool out there and its one of my favourite too. My point is most of the time you buy big things that are not inclined to you. I believe some people feel this scenario because it happened to them and some do not because in the first place, they bought it inclined to their long term financial plans.

It is important to note that there are always risks in doing investment. Rule of thumb in investing.

(1) Higher risks, potential higher return; Lower risks, lower potential return"

(2) The earlier you start, the faster you can reach your financial goals

Time flies. you start later, you regret big time.. If you started early you might be a millionaire now or multi millionaire by now..

Many people are fully aware of this yet many people still fails to act accordingly. We rush so much our investment that in the end we end up losing. I have met quite a few people who were not aware that the investment they bought has great risks and later regretting have it in the first place. If you still want to take risks in investing, make sure that it is a surplus of your cashflow. Different financial tools bring different risks.

It is important to know what is your risk profile.

Are you an adventurous type of person who can take greater risk in exchange of potential high return. Are you a cautious or balanced person who can take only minimal risk which comes with a lower potential return. Or a risk averse type person who really cannot take so much risk.

Investing should be planned long term not short term. If you are looking for an investment within 1 year, It might cost you or make more for you. But placing it long term, provides ample time for recovery, developments and more so chances of earning will be better. 

Investing should not be rushed. Patience and discipline is required.

In investing, it is always important to set a specific value you wish to attain and work to reach that value. For instance, you wish to have a P10million liquid money in 10 years time. Now, you should ask yourself, what are you doing right now and what can you do right now to reach that amount. Then and there you will see what available investment tools can help you reach that level. Now you see why investment should be inclined to your goal. Reassess yourself, what do you really want then start look for potential investment tool to reach that. 

There is more about investing that needs to be understood. That will come in another blog. So we go to the next important fund allocation.

CHOCOLATE

-why are you working in Singapore? We all have our reasons. But in general, we work here because we wanted bigger income right?

-guys you work very hard to make money. Dont you think its also good to pay yourself some chocolates? What do I mean with?

Chocolate means enjoyment... So have a chocolate.

This is where a portion of your money go. Short term goals accumulated in a year, then PUFF! 

Go for travel. Enjoy life. See the world. Be in love. Live as you deserve it. Go out with your love ones, we don't grow old stronger, we grow weaker in body. Live life as a gift from God to see his wonders. 

This is important as this will be used up for refreshment of your mind and body. This is in a way like sharpening the saw by Rick Warren, as a car driving a long road, at certain point of your travel, you should have time to take gas. In a sense get out of the hectic all future actions you are doing. It is not all about money guys. It is not all about money.

Chocolate allocation, should be lowest allocation and best to plan in a year. Saving challenge works great with this. 

How is it so?

You will save regular monthly to reach your desired amount or target in a year.

Let's say you want to go to Bali, Indonesia next year and needed $1,000 for 1 week.

Now, divide it in 12 equal payment you will get $83.3 per month or weekly if you wanted to..

Before you do that, go back to basic again, make sure this is the smallest allocation since you still have to invest, ensure and build your emergency fund. It is a continuous cycle. 

The bigger your income the bigger your chocolates. The faster you build your emergency, the faster you can invest more, and the bigger your chocolate again. it is a continuous cycle.it is hard for me to explain here without diagram.

I am a strong believer of delayed gratifications. But allocating a portion for chocolate will give you more sense of accomplishment, more alive and more fun.

There is a METHOD on how to play this powerfully strong... I can teach you more how.

Leave a comment, message me in my facebook page, or contact me thru 84285361.

Do not forget to like my page. Thank you guys for reading!

HOW I GET $10 GROCERY VOUCHER EVERY WEEK

Hello guys, 

I want to share my experience on how I get $10 FREE VOUCHERS every week up to $40 monthly and probably get $120 cash back every year.

Other GREAT BENEFITS I enjoy are:

(1) Discount in True Fitness Gym & Yoga

(2) Discounts watching in Golden Village Cinema

(3) Discounts in some of my AIA Insurance Policies

(4) Air Asia discount for flight fare

(5) Discounts in Fitbit and Polar Fitness Devices

(6) So much more!

I know you want to SAVE more money in your GROCERY BUDGET.

A STARBUCKS lover maybe? 

Or perhaps using so much UBER and you find it heavy in your transportation budget?

Well, good news you can get it and it's EASY!

Below photo are your Voucher of Choice every week:

Voucher of Choice

AIA introduced the AIA Vitality where you can get rewarded by simply staying HEALTHY!

Well for me… All I do is WALK.. Yes! your are correct, just walk!

The condition is simple.

You only need to hit 250 points a week (Monday to Sunday) and BOOOM! You get a $5 voucher of your choice..

To have this benefit you need to sign up for AIA Vitality Account (ASK ME HOW) then download in your phone the Vitality weekly mobile app (this is the mobile app where you can claim your vouchers).

Vitality Weekly App

Once you have sign up and downloaded the app, link your AIA Vitality account to your Phone’s Health Default App

(Samsung is S Health and Iphone is Health) You can try it in other phones but these are the phones I have experienced so far. 

HOW I GET $5 VOUCHER WEEKLY:

7,500 steps in a day = 50 points

12,500 steps in a day =100 points

You will need to accumulate 250 points from Monday to Sunday to be entitled of the $5 voucher of your choice (COLD STORAGE, UBER or STARBUCKS). Once you reach 250points, you will be prompted in your Vitality Weekly mobile app about the reward and you can use it right away. 

Remember that your voucher is only valid for 2 weeks. It means you need to use it within the next 2weeks or otherwise it will expire and will be wasted.

So if you are a person whose work requires you to walk a lot, then CONGRATULATIONS! Welcome to the CLUB! It is very easy for you and you earn this benefit week by week. ENJOY!

HOW I GET $10 VOUCHER WEEKLY:

Form a group by gathering 3 more people under you. If the 4 of you managed to hit 250 points each within the week, as the leader of the group, you are entitled to an extra $5 Voucher making it $10 per week. If you and your group keep on hitting every week in a month, you can get up to $40 Vouchers just like me. Just be sure to encourage your group to walk more to get the extra reward. 

Below is the picture I took when I got $10 Cold Storage Voucher by hitting the 250point together with my group.

Team reaching 250 points

My name is Medz Ron Pedrosa Macasaet.
A Financial Services Consultant of AIA, Financial Literacy advocate speaker, an investor and a businessman.

For more inquiries, please press LIKE & MESSAGE US in our Facebook Page Save Invest Secure.

Or MESSAGE/CALL US: +6584285361

SG Hospital Bill almost P700,000 for 3days Stay

A client of mine for years, a Filipina Professional worker in Singapore has been hospitalised for 3days last July 2016. The bill amounted to $20,000++ or almost P700,000 in peso. Such amount can be used to buy a house or a big lot in the Philippines.

Thankfully, the bill has been covered and paid by her personal insurance.

Bill picture is the original copy of interim receipt. 

Bear with me and pls imagine this to yourself. As a professional foreign worker paying that same amount of money probably smaller maybe bigger because you got hospitalised due to an illness or accident. How would you feel? -Probably scared.

Well, Im not scaring you. Nobody wants to be hospitalised. Im just opening your mind to see further how can it impact you. You and I are vulnerable to accident and illness. Such as simple chest pain might be a serious illness later, etc...

Imagine how devastating it can be to your dreams and for your family. All your life savings can be gone in a snap. Your proud financial achievements working abroad such as Condos, House & Lot, Business and more, especially your finances will be negatively affected.

You did not come to foreign land to pay bills.. You left your comfort zone to generate wealth and make life beautiful for yourself and family.

I am a Financial Services Consultant of AIA Singapore. 

I'm writing another blog to open more eyes that insurance is a major player in your finances rich or poor. It is a great tool to protect all your hard earned wealth at a low cost. You do not need to die to get the benefit. If illness happens, you get protected. If nothing happens, you get back your money a little lower or probably way bigger depending to the time of withdrawal.

You do not need big amount of money to protect yourself against uncertainties. It can be tailored to your own financial status.

There are 5 insurance benefits that I can provide you:

(1) Death -this is greatly used for estate taxes and family support for breadwinners

(2) Disability -this will provide you financial support should you become disabled from accidents or illness

(3) Early Stage of Illness -this provides lump sum money to pay for your obligations should you get critically ill even on early stage

(4) Hospitalisation -pays your hospital bills both in Singapore and Philippines

(5) Accidental Benefit- this pays your outpatient and clinical treatment due to injuries

It can be blended together with Savings or investment to make it more suitable to you.

I can be contacted thru my mobile number & email.

Mobile No. +6584285361

Email: medzron@aia.com.sg

Insect bite may cost you more than $600!

Have you ever had a simple injury or accident where you spent hundred over dollars in Singapore or maybe a couple of thousands in other country??

I recently had this case of a simple insect bite where a client of mine got billed a few hundred dollars

This client of mine is a simple and nice lady.
She's been in Singapore for quite some time and been enjoying her stay here.

She bought a hospitalisation and accident plan knowing how high an outpatient or hospital bill in Singapore can be. Couple of weeks ago, she went for a leisure walk and stay in the park. Unexpectedly she was bitten by a small insect which caused her skin to be itchy and with plenty of rashes. 

Not letting it out of hand, she quickly went to a clinic for outpatient treatment. She was examined and given treatment.

It was a shock for her to see the bill more than $500 (Not even a hospital bill!!)

Good thing she got this personal accident plan where she claimed $688.76.

The claim form and receipts was received and acknowledged by AIA on August 27, 2016. 
By August 31, 2016, the claim is already approved

Please see the picture below. 

Disclaimer: Claims settlement varies from case to case.

i'm a licensed financial services consultant, for any inquiries, you may reach me at the details below:

Para Sayo! Bakit maraming umaangal sa pagtaas ng bilihin?

Isa ka din ba sa mga taong nagtatanong o naiinis at nagtaas na naman ng bilihin???

Wag ka mag alala kaibigan.. Hindilang ikaw ang namomoblema. Lahat tayo.

Bago ang lahat, ano nga ba ang ginagawa mo sa pera mo kaibigan pag hawak mo na ang iyong SAHOD na iyong pinaghirapan ng isang buwan??

Ikaw ba ay nag eenjoy sa shopping? OUCH! Sakit sa bulsa! Ready ka na lumuha paguwi
Ikaw ba ay mapagimpok ng pera sa bangko? -Ooooops!! Payamanin mo pa si bangko! 
Ikaw ba ay nagiinvest sa stocks, Mutual Fund, property, negosyo at Insurance?? -WOW! yan ang wais na Pilipino! Saludo kami sayo.

Kung mahilig ka magimpok ng pera sa bangko...
Ang pera sa bangko mo ay kumikita ng interest rate na .1% by average. 
Ang inflation ay average ng 2-5%...

Kung may pera kang P1,000 sa bangko,
sa buong isang taon ang pera mo ay kikita ng P1.
Ngunit dahil sa inflation, sabihin natin 4%.. ang halaga ng pera mo ay P960 nalang dahil sa pagbaba ng value ng pera mo pagkatapos ng isang taon

Masakit ba? Totoo po yan...

Teka teka... Ano ba ang inflation?

Sabi sa WIKIPEDIA...

In economics, inflation is a sustained increase in the general price level of goods and services in an economy over a period of time. When the price level rises, each unit of currency buys fewer goods and services. (https://en.wikipedia.org/wiki/Inflation)

Ito ay ang pagtaas ng presyo ng bilihin.

Kaibigan, naramdaman mo ba ang pagliit ng pera mo?? Hindi di ba??

Ayan ang dahilan ng maraming pagangal ng maraming tao na nagtaas ang bilihin..

Wag po natin sisihin ang eskwelahan na nagtataas sila ng tuition fee, palengke na nagtataas ang gulay, pamasahe sa jeepney... atbp.

Normal po iyon. yan ay sabay sa pag grow ng economy. Ang tanging tanung dito ay..

ANO ANG GINAGAWA MO PARA LABANAN ANG INFLATION??

Meron po kaming paraan.. matutulungan ko po kayo pano labanan itong inflation sa iba't ibang paraan. 

MESSAGE O CALL NYO PO AKO SA DETALYE SA BABA.

SALAMAT. cheers!

Bakit wag ka kukuha ng Insurance! Para sa iyo ito Kabayan!

Sobrang dami na nating mga Professional ngayon sa Singapore. 

Matagal man o bago, malaki ang sahod at sakto, marami pa din ang hindi kumuha ng Insurance sa maraming kadahilanan..

(1) Mawalan ng pambayad paglipas ng ilang taong paghuhulog. Totoo nga naman na hindi tayo panghabangbuhay sa ibang bansa. Kaya kailangan isipin ng wasto kung kaya ba ng cash flow itong bayaran, tama ba ang laki ng gastusin o hindi.

(2) hindi pwede magwithdraw ng pera pag kinakailangan. -depende sa Insurance na kinuha ito ng isang tao ito. Kaya kailangan makita mo ang nararapat na insurance para sayo.

(3) masyadong mahal ang bayad. -meron kasi sobra maningil hindi naman kayang isustain ang bayarin lalo na pag umuwi na sa pinas. Kaya ang iba natakot kasi alam nila mahirap panatilihin ang pagbabayad.

(4) Magsara ang Insurance Company. Madami kasi nawalan ng pera sa mga pre-need companies sa Pinas noon. Pero iba po ang Insurance companies sa mga pre need companies. 

(5) maSCAM. Hindi ito maiwasan kasi may mga tao pa din naloloko ng mga agents para sa benta at komisyon nila. Pero meron pa din namang mga kalidad at hindi mandurugas na ahente. Lahat sila pare parehas ang binebenta ngunit nagkakaiba sa serbisyo at intergridad sa pagbebenta ng insurance.

Ilan lang yan at marami pang ibang dahilan...
kaibigan, mag iingat ka sa pagbili ng insurance at wag basta basta magtiwala.

Pero, bakit nga ba kailangan natin ng Insurance?

Simple lang naman... KAIBIGAN at KABAYAN dugo at pawis sa ibang bansa ang pinuhunan mo para sa perang iyong naipon, sa mga yaman like bahay, condo, stocks, mutual funds, negosyo,kotse, edukasyon ng anak, suporta sa pamilya, atbp...

Masaya ako para sa iyo kaibigan. Ngunit naisip mo na ba kung ikaw ay:

(1) Naospital? 
(2) Naaksidente?
(3) Nagkasakit (Cancer/ heart attack/ stroke)
(4) nalumpo at mamatay??

San ka kukuha ng pera? Sa mga inipon mong yaman? Yung iba sa utang... At ano susunod?.... 
Kaibigan, kailangan mo ng Insurance kahit sino ka man. Isang magandang solusyon ito sa maraming bagay sa maliit na halaga. Pinaghirapan mo ang yaman mo para magkaroon ka at ang mga mahal mo sa buhay ng magandang buhay.. 

Bakit gagamitin mo lang pambayad ng Resibo na ibibigay sayo ng ospital???

Kapag nagkasakit ka?? nagsimula sa simpleng pitik ng sakit sa dibdib akala mo wala sabi ng doctor wala, pero ilang taong paglipas, ito pala ay isang sakit sa puso? 

Isa sa pinakamasakit na mangyari sa kabila ng mga tagumpay mo sa buhay ay ang mawala lahat ng pinaghirapan mo at mahirapan ang pamilya mo sa isang bagay na kaya mo solusyunan ngayon. 

Kaibigan, wag ka matakot sa Insurance dahil ito ang matinding sandata at kakampi mo sa panahon na kailangan mo ng pera dahil sa mga bagay na hindi inaasahan. 

Bibigyan ka nito ng garantisadong suportang Financial.

Bilang Financial Literacy Advocate,

Ako po ay naniniwala sa aking propesyon bilang Financial Services Consultant na humahawak ng daan daang pilipino at iba pang lahi ng kanilang Financial Portfolio.

Marami na din akong natulungang Pilipino sa kanilang:
(1) Gastos sa ospital at ito ay nabayaran. 
(2) Nakapagtabi ng kanilang pera para sa kanilang mga pangarap sa buhay
(3) Marami akong natulungan na isatama ang kanila portfolio sa cash flow, atbp.

Sa mga taong gusto malaman ano po kaya gawin ng Insurance sa kanilang buhay bilang OFW, pakibigay alam lang sa akin sa detalye sa baba. 

Salamat. GODBLESS!