16/09/2023
Kotse o KAISER? Ibreakdown natin.
KOTSE (Ordinary Sedan)
8,000 down payment
16,000 monthly x 5 years = 960,000
15,000 quarterly maintenance x 3years (letโs say 3 years ka lang nag maintenance) = 90,000
11,000 yearly insurance x 3 years (letโs say 3 years mo lang ininsure ang kotse) = 33,000
1,000 1 month gas allowance x 12 x 5 years=60,000
Note: Tanggalin na natin ang carwash, parking and other chururut.
TOTAL EXPENSES FOR 5 years. =
1,151,000 (One Million One hundred fifty one pesos)
QUESTION: Ganito pa ba ang Value ng Kotse natin after 5 years?
Letโs compare it kunyari kukuha tayo ng HEALTH Savings Fund sa KAISER HMO.
For example: Pinakamababang Policy.
2,647 pesos per month x 7 years = 222,348
500 policy fee x 7 years = 3,500
TOTAL EXPENSES FOR 7 years:
225,848 (Two hundred twenty five and eight hundred forty eight pesos)
Inclusion:
HMO for 7 Years
TermLife Insurance for 20 years
Return of INVESTMENT Upon Maturity on the 20th year = 525,000 (Five Hundred twenty five thousand pesos)
Kung hindi mo pa kukunin ang pera kapag nagmature ito, pwede pa rin itong lumago up-to 3.5MILLION Pesos at age 65.
Note: Computation is based on 25-yr. old Individual.
QUESTION: MAGANDA BA? LUMAGO BA ANG INIPON MO? MAY PROTEKSYON KA BA?
Alam mo ba na pwede mo pa itong maipamana? OO. Pwedeng-pwede. ๐ฏ๐๐ผ
DISCLAIMER: WALANG MASAMA BUMILI NG KOTSE. LALO NA GUSTO NATIN โYAN AT MAY KAKAYAHAN TAYO MAGBAYAD. Binibigyan ko lang po kayo ng good perspective, na pwedeng-pwede natin iconsider.
At the of the day, the decision is ours. What i am telling you is, NAPAKAHALAGA NG HEALTHCARE. At Dapat HEALTHCARE na may savings. Yung nagbabayad ka, maospital ka man o hindi, lumalago pa rin ang pera mo. Walang nasasayang.
CREDIT TO MS ARMA FOR THE CONTENT OF THIS POST