Paano Ba 'To: 5 Financial Tips On Saving and Managing Your Money with The FQ Mom
ฝัง
- เผยแพร่เมื่อ 29 พ.ย. 2024
- "Paano ba dapat i-divide yung sweldo para may ipon?"
"Nakakayaman ba talaga ang paluwagan?"
"Anong insurance ang dapat kong kunin?"
Because so many of you posted follow up questions on last week's Financial Advice video, I decided to make a part 2! And The FQ Mom, Rose Fres Fausto was gracious enough to share more of her money wisdom. Quick bits of advice that I learned a lot from!
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To watch the first video we did about financial advice:
• Paano Ba 'To: "How To ...
For more financial tips from Rose:
Website: www.fqmom.com
Instagram: / thefqmom
Facebook: / fqmom
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Produced and shot by me
Edited by Kirstin Alonzo and myself
Shot using a Samsung S8+ and a DJI Osmo
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Track: Early by DJ Quads
/ aka-dj-quads
(No copyright music)
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To connect with me online:
Instagram: / iamsuperbianca
Twitter: / iamsuperbianca
Facebook: / iamsuperbianca
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Among all the financial advices I have heard or read, this is by far the easiest to understand. Financial counsellors more often than not, drowns you with so much terminologies na wala kang clue kahit i-explain.
Key take away from this is I shouldn’t buy anything if I can’t afford the to buy 10 pieces of whatever it is that I would like to buy. Its a stretch so I will start with just 5 muna. Lol
tutulong talaga ako sa mama at lola ko hanggang kaya ko kasi I owe it to them and they're both seniors. pero thank you talaga dito B!
Another life saving video from Miss Bianca. May all youtube viewers particularly young adult or anyone who is starting a career/ a serious life will find this video as a good guide. I love you, Miss Bianca.
Ang galing mag explain ni Ms. Rose, pinaka prangka na sagot--no dependents-no insurance.
At meron ding nagagalit. :( So let us just be aware of the so-called "conflict of interest." Good luck in your FQ journey! Cheers!
This is my fave episode of Paano Ba 'to?, Ms. Bianca! Lagi ko itong binabanggit sa mga friends ko specially sa pagkuha ng insurace/ policy....this helped me a lot noong kumuha ako ng second VUL, naipa- design ko na 'yong policy according to my needs....Thank you po!!!! 💗😊💕
I struggled with saving money and dividing may sahod and nauna kong mapanood yung vlog with FQmom, Rose Fres Fausto. It helped me a lot along with my bestfriend's advices. Thank you on your videos😍😍
Hi guys! I’ll read and reply to your questions both here and those sent to me directly on my channels. 😊 For the meantime mag b birthday muna ako! 🎂😀
OMG happy birthday!!!!
Hi FQ Mom Happy happy birthday! God bless po. I'm curious about your book. Hehe
Happy birthday po!
Thank you soo much for the learnings FQ mom! 😁
Salamat po Ma'am Bianca 😊
nakakatulong po tlga kayo marami po akong natutunan. pati mga kapatid ko po ang galing nyo po!
Inaabangan ko talaga to. I bought her book after i watch your first vlog with her. Nakaka-inspire sya everytime nagbibigay ng advice.
I love how she makes everything easier to understand ❤
Sobrang informative ni FQ Mom!!! Thanks Bianca for bringing in Ms Rose!
“Before buying luxury, make sure that you can buy 10 pieces of it”
What do you call that? "Delaying ......?"
Shocks! An FQ sesh for free. Thanks Biancs and Ms Rose for making our lives better and betterer. Hahaha!
Thank u maam rose..nd bianca...ngyn as ofw lam ko n po pnu budget ung sweldo ko.at pnu tumanggi sa pmilyang lging humihingi
I want more vedio like this.. thankyou po...😍😍
i love ur videos bianca, very informative and practical.. Eto ung mga type ng videos na may kabuluhan and may maitutulong sa ating buhay. Sana more mellinials will watch this and learn, for their own good
Very informative thank you miss FQ 👍👍
Thank you for this episode Ms.Bianca.. 😊😃😃
Loving these money and financial q & a, sana po may sariling segment about how to handle money sa channel niyo po
Yes, TheFQMom has her own TH-cam channel: th-cam.com/channels/o35JkxhWj4pHwmKNSW2Ltw.html 😊
Wow buti pa ung kasambahay may emergency fund and retirement fund. I'll ask my father sya ksi ung agent ko s insurance and investment wala naman akong anak so wala kong dependent hehehehe. This is super helpful superBianca. Love it❤️❤️❤️
Thank you so much for this Ms Bianca. ❤️ this is so timely. Im 27 and still having a hard time to have savings. Thank you!!!
TYSM Ate Super B and FQ Mom for a very informative video. More power to the both of you 🤗
Thank you for these kind of videos Miss Bianca! Really helped me a lot. Please do make more of these. More power po!
this is the vlog/channel we all need
More videos like this please.. very helpful Ms. Bianca. Thank you for doing and sharing this vid.
Watched ALL of your videos. So educational. God bless ms bianca.
Happy to watch this video again
Nice info...love it..and I make it too....so..goodluck to all of us...who's start this..steps ti progress...mabuhay ang pinoy....
THIS IS REALLY SENSIBLE AND HELPFUL!!! THANK YOU FOR THIS!!!
Very timely. I need this right now.
#DelayedGratification will keep it mind!
Shared it with my mom. Sobrang helpful lalo na awkward ako minsan to talk about this sa mama ko. Thanks ate Bianca =)
thank you for these money episodes Miss Bianca. I've learned so much, and I will do my best to improve on handling our finances.😊 God bless!
Thanks so much for the advise Ms @iamsuperbianca and Ms Rose. I really appreciate it. I guess it was a traditonal kind of Filipino family setup thats past on from generations. I know na a lot from this genre is now aware of how impt to save for retirement to take care of their future selves. Sana po you have a few more sessions pa. Love how Ms Rose explains it na mas madali maintindihan. Godbless po!
Kung yung kinikita mo sobrang sakto sa needs mo, either kelangan ibaba mo yung lifestyle mo or dagdagan mo yung income mo
Super helpful and informative!! Thank you, Ms. Bianca! 😊❤
Wow. Thank you ms.bianca and mam.
More power. God bless! 😊
So much learnings.Thanks much
Super helpful! Sana my part 3 pa
Super helpful ms bianca thankyou po!
Thank you ate Biancs😘 I need this right now✨ more power to your vlogs💕
Thank you for all the advice
more about making money grow by investment ate bianca ❤️
MORE VIDEOS FROM THE FQ MOM MS. BIANCA 😊
TheFQMom has her own TH-cam channel: th-cam.com/channels/o35JkxhWj4pHwmKNSW2Ltw.html 😊
Thanks for this! Very insightful..
Pa elaborate naman po ng equity index fund 😊😊😊
Didn't expect a part 2. Thank so much Ms. B!
Another favorite!!!!!❤❤❤ keep posting videos like this pleaseee 💯💯💯
I learned a lot! Thank you ms bianca.
And i am learning...part 3 pls.hehe.
I learned so so much from this video! I'm so happy this comes in two parts. Thank you, miss Bianca. I really love your channel. Godbless po 😊💕
Thank you sa adviceee!!! Big help!!
Whether you have or do not have dependents, you need insurance. Life insurance cannot only be for the dependents but also for yourself. What if magkasakit ka? You should have health insurance. Also, save up for your retirement. There are insurance na may death and living benefits. The living benefits, you can use while you’re alive.
I agree with you 😊
I love it. Thank you again for this.😊
Thank you for sharing this Ms. Bianca. I really need this hehe 😁😁
This vlog is full of essence. A lot of things to learn in life👌🏻😇 Amazing job B♥️
Super informative. Thanks for the advice :)
yehey!!!!!
Thank u so much for this! Na-enlighten ako dun sa diff ng insurance & investment. I'm about to meet my agent about an educational and insurance plan for my son. I'll definitely ask about investment plan. May natutunan dn ako about sa savings instead na stagnant lang sya is maganda ang long term. I will also ask my agent on that about my insurance.
P.s. I tried checking fqmom.com and its super friendly. Hope to get a response from the email i sent hehe. Also, will try magic of compounding definitely recommended even if student ka pa lng. Wish I had known that when I was in college. Better late than never.
More power!! 💓👏🏻
This is what we need
Thank you for this ms bianca 💕
I love this vid. Thank you. 👏
Part 3 please!!!
Damn. I love this sort of videos. Thanks for this!! :)
Super helpful!
nice topic. pano kung may utang saan sya ksama na percent??
Super helpful! 💯
I NEED THIS!!!
That's true, "it's not how much you earn, it's how much you save." If you can't wisely manage your money when you have a low income, you will not be able to manage it well when you have a decent one.
Thank u Bianca
I wished this video existed before I bought an insurance huhu
Question!!! Is it okay to use your savings (coming from the 20% that you’ve saved) to go on a vacation?
I suggest you create a separate 'vacation fund' coming form the remaining 80%. The 20% savings for me is more on emergency fund, life goals like education for kids or retirement for you. Hope this helps.
christine fabic Got it! Thanks!
ano po ba magandang investment, real state or mag ipon at mag invest muna sa mga investment nga lalago yung pera mo???
I kind of don't agree with with what she said about "if you do not have dependents, then you don't need insurance".. it is a very common setting amongst us Filipinos to always have dependents just like what Bianca said, and what I'm trying to say is that nowadays its not even a quetion if you have someone na umaasa sayo because many of insurance companies offer living benefits like coverage for Critical Illness, Hospitalization, Disability, Surgical and the likes. Its not merely just a coverage kapag namatay ka. Just like a term insurance, its cheap because thats its only benefit. While yes it is true that VULs are more pricy e ksi you have so much benefit from it while also allowing portions of your payment to gain value (investment). You buy insurance for its protection and living benefit not for investments purposes only. Because its really not to be positioned as investment in the first place. People buy insurance for the protection benefits that is maximizing the potential of their money in times of uncertainties like accidents, hospitalizations, critical illnesses... basically to protect yourself and your income not just for the "dependents".
And personally, I think it is unethical to ask a person how much she earns for providing services to you. I think the key nalang is ikilatis mo if your agent or advisor is sincere with his or her intentions of educating you about your coverage and protection needs. And also, ask them questions that will lead you to know if they really are giving you advise only just to make money or to have you covered appropriately. Just like what others say na Don't buy something you dont understand yourself.
* dami ko na sinabi, hahaha! thats just my opinion. I hope i am not offending any one. 😊
Kaka let go ko lang nung isang policy ko. I consider it na lang as loss and a financial mistake. Grabe. Ibang experience. Dapat talaga bago kumuha, intindihin, magtanong. Nalulungkot pa rin ako pero I'm sure maka move on din.
She only said to ask IF talagang friend mo yung agent. Of course hindi proper if hindi kayo friends. May point din naman yung tip niya. 😉
@@janrubian8998 Yes! Tama pi. Kailangan talaga na ma-establish ng advisor mo yung trust mo and maintindihan nya ung needs mo para mabigyan ka nya ng tamang advise cos it's a waste of money amd time talaga kung in the first place hindi mo maintindihan yung plan/policy mo :(
@@iamsuperbianca yes Ms. Bianca, she has her point its just a bit off even if friend mo cos some people are very sensitive. Kaya I stated my opinion for every one here nalang na before buying anything kailangan na they understand it by that hindi na kailangan to "ask" how much a person makes from it. Hehe kuddos to your vlogs, I used to see you in Ateneo back in the days. More power! :)
tagal ko maka-bili ng Term Insurance at nakaka-frustrate ang agents dahil upfront VUL agad without asking ang needs ko. They're after commision not sa walfare mo and they call themselves financial advisor. Madalas nilang i-calculate kung magkano kaya mong bayaran na premium instead of calculating your coverage. nakaka-dismaya lang. Kaya educate yourself before buying insurance
❤
Need bang sa payroll account yung pag-open ng EIF? Anong difference nya with the personal bank account, if ever na di naman din siya nauubusan? Thanks. :)
It's not a requirement Monica. It's just to make it easier for you. Good luck in your investing. :)
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Sorry, but for question #2 This is somehow misleading.
Come to think of it. The reason why you're getting an insurance while you have no dependents yet is because, you want to get insured as early as possible.
Kase once you're older, (lalo kapag may sakit kana) your premium is much higher. Consider that in these video, they are pertaining to young people na mag papamilya in the near future. So technically, you will have dependents.
AT KAHIT WALA KANG ANAK, WE FILIPINOS REALLY TAKE CARE OF OUR PARENTS AND FAMILY SO LAGI TAYONG MAY DEPENDENTS.
Unless wala kang pamilya. "Putok sa buho".
ESPECIALLY IF YOU ARE IN RISKY JOBS (your job involves travelling alot, operating a machine, you're driving a lot, involved ka sa construction, crime fighting and etch) THE RISKIER YOUR JOB, THE MORE YOU NEED TO HAVE INSURANCE.
2nd... Term insurance is insurance that you get ONLY for certain period. Basically, you're renting yung face amount let's say 1M for certain period lang. Fyi, most insurance companies offer term insurance up to 5 years only. After nong year wala na. Wala na yung binayad mo. ONCE YOU RENEW YOUR POLICY NAMAN, YOU WILL HAVE A HIGHER PREMIUM NA.
Misleading kase, sinabi nya lang na mas mura, pero hindi nya inexplain na temporary lang yon. Kaya sya "term" insurance... May term lang na hanggang dun lang ikaw protected.
NOW, the reason they had made VUL (investment + insurance) is because naturally, most people simply don't want to discuss death... It is a topic that we naturally avoid...
That'S why they created a product that has a living benefit into it. Eto yung sinasabi nyang parang "combo meal."
Dito, aside from insurance, it has a saving component wherein it's interest is higher compare with banks kase sa naka-mutual fund sya.
HINDI KA NAPAPAMAHAL, KASE YOU'RE SAVING! NOT ONLY THAT, YOU ARE GIVEN WITH A HIGHER IINTEREST COMPARE WHEN YOUR MONEY IS DEPOSITED IN BANK.
Please spread.
Fb: Neyo Katalbas /Bulacan Insurance-advisor
(Registered Nurse and Sunlife Advisor)
Neyo Katalbas may question po ako since sunlife kayo..ok ba ang equity fund and ilang yrs ideally ako dapat magbayad pra makita ko na may profit na yung ininvest ko?sa sunlife po ako kumuha ng equity mag one yr pa lang next yr..may pren kc ako sunlife din mutual funds 7yrs naginvest ng 200k tapos naging 145k lang pera niya after 7yrs hope you can advise me thanks
Summer Lovin message me in .y fb account. Let's talk there.
my*
Neyo Katalbas I agree with you Neyo. I’m also a financial advisor here in Canada. Most people are getting term coz they see it’s much cheaper than permanent ones. But it’s just like buying an item. Sometimes it’s more expensive coz it has more benefits. Permanent insurance has cash values unlike term.
Whenever I meet with my clients, I discuss with them the pros and cons. Of course if people can’t afford permanent, I suggest the term first coz it’s still better for them to have something than nothing. I explain to them that they could convert it to permanent coz in the long run, their monthly payments will go up after a certain term.
I somewhat agree that some agents sell something for commission that’s why I always disclose the estimate commission I’d get when they get something for themselves.
I would suggest really doing research. People have different opinions about this. It all depends on your goals and what you want to protect. We all have different needs. Talk to someone who has knowledge of course. ♥️
More power Mrs. Super Bianca!
One of the things that I regret was not starting this investment earlier in my life. I agree na kahit single ka dapat nag-iipon or nag-iinvest ka na. Kulang sa Philippines ang mageeffort na magexplain paano sila makakainvest for their future. Marunong lang tayo magpaikot ng utang natin thinking it's how we will live our lives tapos dream lang ang makapag-ipon. 😊
Paano po mag invest to make your money grow?
Is it feasible ba to invest money sa mga subdivisions na hulugan like 20years, 25years kasi yung amortisation and mortgage varies. Situational 25k sweldo, 15k monthly para sa bahay every month, yung more than half makukuha sa sweldo
THANK YOU HUHYHU
Wala pa aqng Dependent pero kumuha na aq ng VUL.
Goal ko kasi siya since 19 y/o palang aq. At nakkuha lang aq ng 23 na aq.
should I continue it???
Whhaaaaaaa.
Pano makakaipon kung may binabayaran pang mga loans like pagibig o sss salary loans? At the same time, may hinuhulugan pang insurance?
paulo manliclic to be honest... panget ang loan sa pilipinas. They don’t give a sht bout u
Omg i got an insurance pero wala naman dependent
Is it right, na magbukas ng 2 insurance?
For me, depende sa needs. You can have 1 health insurance, one traditional whole life plan for income replacement or retirement. So iba ibang insurance will address your different needs.
pano po pag nagbibigay sustento sa magulang? san po un mag fall?
Expense :)
Ang ganda ng topic kaso nahilo ko sa kakalad nyo
It's not how much you earn, it's how much you save.
😛😍🥰😜
She looked like Roxanne Barcelo
Ang ganda ng usapan. Medyo naiilang lang ako kay Bianca. Bihira mo tingnan yung kausap mo. Ang bastos ng dating
Thank u so much B!!! And FQ mom😍
So helpful!! 💯