Kaiser International Health Group is it reliable?

[jiggles]

---

I think you haven't seen how money was used Smith, It will only be a scam when you paid something but you haven't get any services back. Kaiser already have their own Diagnostic clinic at Mepz 1. I think you want to picture Kaiser a scam. If it is a scam, then you won't get any benefits back. You can try using it and make sure it is not LAPSED because you won't get any benefit if something happens to you.

Hmm you can also check with intellicare and Caritas if also they will give you numbers.
If you want real numbers, you can go with SEC and ask for trust fund information.

It seems you treat Kaiser as a Mutual Fund, but it is not a MF, it is a Health Maintenance Organization.
When you go Makati, there are already a lot of Kaiser Mobile clincs running over the streets. Just my two cents.

My advise to you join IMG and attend our conventions. The investment side of Long term Kaiser is Manage under PhilAm Asset, Rex A. Mendoza CEO of PhilAm Life is one who oversees Kaiser Funds investment side.
If you have access to him, you can talk to him ask him and his team how they manage it.

Hi lorenzoleo,

I think you did not get my point, if you truly a business person or a person that valued your money you need a thorough understanding what happened please read all of the posting made in this forum you mention that this is not a mutual fund why did someone posted it, (Please read the posting before you answer my question). I did not said that Kaiser is a scam, what I'm trying to say be a cautious investor by not relaying in the fruitful words coming from the month. I am a PhilLife Investor also and I know Rex Mendoza, I dont need to talk to them because he understand that a true business persons needs NUMBERs..... not words...

If this is only a HMO why they have investment that you mention from all previous posting? I think try to check Medicard, Intelicare or Maxi Care they dont have this features.... Like investment that you mention ...
The only message to all please be a cautious by not relying on the words from the month to through investors needs to know numbers... Please Read a book of Robert Kiyosaki "Rich Dad Poor dad" and you will understand my concerns..

Thank You,
John Smith

[lorenzoleo]

It was designed for long term healthcare. Rex also one who help designed this feature and also part who manage the funds.

As a business person too, not only numbers are important, but the service that it could give to the clients. Daghan company bro cge panghambog sa numbers but walay ayo ang service usahay lisod lisoron ka pagclaim.

This question is same, why life insurance companies today already has investment side to it?

[jiggles]

Hi Lorenzole,

Did you saw how expensive the Kaiser products? Do you know how much the minimum private rooms in the hospitals? Do you think room rate of 1500 php for the investment of more than 500k worth? Please think first that your are the person that's have illness at the age of 60 to 65 if that amount is enough? Did you saw the return of investment in there profile chart during the marketing of the products? I dont think it wort for the amount? I'm not connected to SUNLIFE of Canada Philippines but I think it is more worth to invest. If you invest your 500k or more and withdraw it when you are old it is more reliable than the product you pushed. You always saying it is not Mutual Fund and it is long term but in the first part of the forum you say that it is Mutaul Fund that will being invested.... That is why I'm asking numbers... did you think Caritas is worth of investing ... Please google it and you can see hundreds of complains in Caritas...

To the readers of this thread please check this link Sun Life Financial Philippines: Variable Life Insurance plans, you can invest your money to this company because this company have a trusted reputation. They have a Female Critical illness that can support Female sickness and help you during your needs.

I'm not a SUNLIFE agent, I just want to teach you guys with the right path to invest. You can google for other types of investment like stocks in COL Finanacials, BDO EIP or BPI Trade, BPI Mutual Funds or BPI UITF this is the right company that you can trust...

[jiggles]

COL Financials can give free seminars on investment just search it, Manulife and Insular Life can give you protection for long term health care benifits and can give numbers about your investments , You can bought bluecross for short term health care that coverved even abroad or PhilCare for much cheaper prices. BDO have Easy Investment plan that can deduct to your savings account monthly, you can used for emergencies. BPI save up for a minimum of 250 a month can help you to start your savings.

Thank You,
John Smith

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SAMPLE Proposal of Insular Life
A Proposal for
Mr John Smith
I-Assure 10
Age: 33 Coverage: 1,000,000.00
The limited pay protection plan that commits for a lifetime.

Insurance Coverage — Cash that can temporarily augment the finances of your beneficiaries:

Basic Coverage 1,000,000.00

Accident Benefits

Additional benefit in case of accidental death (ADB) 1,000,000.00

Special Accident Rider with Disability Indemnity (SARDI)
Provides additional benefit in case of accidental death 1,000,000.00
Provides additional benefit in case of accidental death in any land or sea
transport or when in elevator or a burning public building 2,000,000.00
Also provides additional benefit in case of loss of limbs and/or eyesight due to
accident for a maximum of 1,000,000.00

Weekly income replacement (SARDI)
Provides a weekly fund in case of temporary, total and continuous
disability due to accident, you will receive (for a max. of 52 weeks) 5,000.00
Provides a weekly fund in case of partial disability due to accident,
you will receive (for a maximum of 52 weeks) 1,250.00

Annual disability income (SARDI)
If, after 52 weeks, you still cannot work totally or partially as a
result of abovementioned accidental injury, an annual fund will
be given (for a maximum of 10 years) 100,000.00

Disability Benefits

Waiver of premium benefit (WPD)
If you are disabled (continuously) for six (6) months, whether temporarily or
permanently, due to sickness or accident, the Company will waive all
premiums due during the continuance of such disability. Applicable

Health Benefits

Medical fund for dread disease (DDR)
Provides lump sum amount 30 days after the diagnosis of the dread disease.
This fund can be used for medical treatment. 1,000,000.00

Daily hospital income fund (HR) - 6 unit(s)
If you are confined for sickness or injury, you will receive
(for a maximum of 1,000 days of hospital confinement) funds that can serve
as replacement for lost income 1,500.00

If confinement is due to a dread disease, you will receive (for a
maximum of 1,000 days of hospital confinement) 3,000.00

All these benefits for premiums amounting to:

The actual amount of premiums shall depend on the applicant's age, face amount applied for, and attached riders, as well as the final underwriting assessment. The monthly payment option is available for monthly premiums of at least P700.00.

[jiggles]

Hi Lorenzo,

If you like I can give you numbers in SUNLIFE, AXA, Manulife, Insular Life etc... just reply to the thread and you will know the proper way of true investing. There is a current trends in Asia investment with a minimum of 2500 USD for one time payment in PruLife UK or 3k or 8k for AXA and SunLife.

I can give to you the good companies where to invests in stocks, learn how to invest in foreign exchange market and in Real State.

You can learn Real State investment by the numbers below:

You can google about Engr Enrico Cruz he is a good teachers to me, I learn a lot to him

URBAN INSTITUTE OF REAL ESTATE

will conduct an

INVESTING IN REAL ESTATE LECTURE SERIES

Don Jose Yulo Caseroom,
Asian Institute of Management Conference Center,
Benavides cor Trasierra Streets, Legaspi Village, Makati City

SCHEDULE OF TOPICS
TIME: 1:30 to 6:00 PM

( All topics are stand alone and can be attended separately )

Day 1, September 4 INVESTING IN REAL ESTATE: OPPORTUNITIES, TECHNIQUES & WHAT YOU NEED TO LEARN BEFORE INVESTING
Day 2, September 6 REAL ESTATE ECONOMICS and the UPs & DOWNs OF REAL ESTATE VALUES
Day 3, September 11 HOW TO'S OF PROPERTY DEVELOPMENT WITH HLURB RULES
Day 4, September 13 PROPERTY VALUATION: HOW TO DO IT YOURSELF
Day 5, September 18 JOINT VENTURES FOR REAL ESTATE PROJECTS
Day 6, September 20 LEGAL ASPECTS OF REAL ESTATE SALES AND LEASES
Day 7, September 25 TAXATION OFREAL ESTATE SALES AND LEASES
Day 8, October 2 MAKING BIG MONEY IN DISTRESSED PROPERTIES

THESE SEMINARS SHALL BE DIRECTED BY ENGR. ENRICO S. CRUZ, 1ST AND 8TH PLACER,
BOARD EXAMINATION FOR REAL ESTATE APPRAISERS AND REAL ESTATE BROKERS RESPECTIVELY, WITH PROFESSOR ATTY. REX ENRICO V. CRUZ III

For more details and inquiries, Urban Institute of Real Estate may be reached at
Tel. No. 509-4094 or CP 0915-457-3596 or 0939-137-9242
or at email: urbanet.ph@gmail.com or visit Urban Institute of Real Estate and Construction

PLEASE FORWARD TO YOUR FRIENDS AND ASSOCIATES IN REAL ESTATE

THANK YOU


URBAN INSTITUTE OF REAL ESTATE



xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

SEMINAR FEES AND HOW TO REGISTER

SEMINAR FEES

Seminar fee is P1,800.00 per day per participant, inclusive of venue with free flowing coffee (no snacks), handouts, and certificate of attendance.

EARLY BIRD DISCOUNT: An early bird discount of P200.00 per topic for those who registered and made deposit 15 before the topic’s date.

DISCOUNT FOR THOSE ATTENDING FOUR (4) DAYS OR MORE: A discount of P100.00 per day will be given for those registering in at least 4 seminar days.

GROUP DISCOUNT: For group of three (3) or more who are attending on the same day will be given a discount of P100.00 each.


HOW TO REGISTER

PRE-PAID REGISTRATION

ADVANTAGES:
You are assured of your seat
You don’t have to come too early

MAKING BANK DEPOSIT:

To get the BPI account number and temporarily reserve your slot, please email us back signifying your agreement and interest to reserve a slot, giving the topics and dates. We will email you the complete bank details and latest date to make deposit and the net seminar fee. Please make deposit on or before the given date. The temporary-reserved slot expires after your given date. In case of failure to make deposit on said date, you will have to confirm again the availability of a slot.

After making the deposit, please immediately email us, within 2 days, your name, date deposited and the machine validation code in the deposit slip.

URBAN Institute will confirm your registration and reservation by replying with a CONFIRMATION NOTICE by email message. Deposits without CONFIRMATION NOTICE will not be considered as pre-paid registration.

DIRECT REGISTRATION AT AIM Conference Center, Makati
Participants may register directly at the Venue in AIM Conference Center only on Saturdays, 1:00 to 6:30 PM . Look for Ms. Marjorie of URBAN Institute of Real Estate.

ON-THE-DAY REGISTRATION
On-the-day registration is also acceptable but on a first-come-first-serve basis only.
To avoid any inconvenience, it is advisable to call us on the day of the seminar or preferably, a day before, to verify the number of remaining slots.


DETAILS OF TOPICS

Day 1

INVESTING IN REAL ESTATE: OPPORTUNITIES, TECHNIQUES
and
WHAT YOU NEED TO LEARN BEFORE INVESTING

Whether we are in economic slowdown and looming recession or economic recovery or boom, real estate is always the better investment alternative for the moneyed investors, and as such, there is a strong need to guide incoming beginners and prospective real estate investors, dealers and developers away from the sad misfortunes of loss-making investments. Although real estate investing is one investment area that yields many opportunities and long financial security, this is realized only with knowledgeable investors. Because of the broad, diverse and changing intricacies and techniques of real estate, many newcomers may suffer business failure instead.

The 4-hour lecture will provide helpful guidelines to the benefits of beginning and prospective real estate owners, investors, dealers, developers and realty professionals. It will cover the following: review of the different investment motivations; why invest in real estate; pitfalls and traps in real estate investments; why real estate appreciates; pros and cons of investing in vacant land; introduction to the different areas of opportunities, techniques and how to’s in real estate investment such as buy and sell or lease; build and sell; rehabilitation of foreclosed and damaged properties; master leasing; converting apartments to townhouses or condominiums; and developing vacant/raw lands.

Also included is a general orientation to all the basic knowledge that is essential to a profitable and successful real estate investment such as real estate economics, legal aspects and contract documents, financing and analyzing investments, property appraisal, property development, development rules and regulations, property management, real estate taxation, property valuation or appraisal and others.






Day 2

REAL ESTATE ECONOMICS and the UPs & DOWNs OF REAL ESTATE VALUES


I. Review Of The Basic Principles Of Capitalism

A. What Is Economics?
B. The Traditional Economy, Market Economy Or Capitalism And Command Economy Or Socialism And The Modern Mixed Capitalism
C. Key Elements Of Pure Capitalism
D. “What Shall Be Produced”, “How”, And “For Whom” In Pure Capitalism.
E. Modern Mixed Capitalism
F. Factors Of Production
G. Prices And Output
H. The Law Of Demand And The Law Of Supply


II. Why And How Government Intervenes In The Economy

A. Some Notes On Perfect And Imperfect Markets
B. The Need For Government Intervention
C. The Business Cycles In General And Real Estate Cycles
D. Government Interventions To Prevent Or To Correct Economic Problems


III. The Relationship Of Money, Credit And Real Estate Values

A. Money.
B. Inflation And How It Affects Real Estate.
C. Government Interventions That Affect Real Estate.
D. Direct Government Intervention In Real Estate.


IV. The Important Economic Features Of Real Estate

A. Land Supply Is Fixed.
The Cycle Of Changing Supply And Demand For Real Estate.
What Causes Changes In Demand?
What Causes Changes In Supply?

B. Land Location Is Fixed.
C. Buildings Life (Not Economic Life) Is Long.
D. Divisibility.
E. Real Estate Use Can Be Modified As Economic Need Changes.
F. High Capital Value.

V. The Importance Of Real Estate Development To The Economy

VI. Anticipating Changes That Will Affect Real Estate


WHY REAL ESTATE VALUES GO UP AND SOMETIMES DOWN

What Causes The Increase Or Decrease In Property Values

1. Inflation
Gradual Normal Increase In Cost – Normal Inflation Rate

Sudden Big Increase In Cost – Abnormally High Inflation Rate

The Effect Of Sudden And Abnormally High Inflation Rate In The Value Of Real Estates.

Why Demand Increases And Or Why Supply Failed To Match Demand

Increasing Supply Of Money

Why Rising Inflation Rate Is Not Good For Real Estate?

However, Inflation Can Also Be Good To Real Estate

Disasters Or Other Factors Resulting To Decrease Of Supply

Change In Family Structure, Improvement In Economic Status, Too Many Speculators, Etc

Remedial Measures Against High Inflation

Remedial Measures Against Economic Slowdown

More Notes About Inflation

2. Improvement In Government Infrastructures

3. Changes In Government Regulations.

4. Neighborhood Re-Development - Neighborhood Deterioration

5. Conversion Or Change In Use

6. Increasing Net Operating Income

7. Capital Improvement

8. Increasing Demand - Increasing Supply

The Law Of Supply And Demand In Real Estate

9. Urgency To Sell Or Buy

10. Economic And Functional Obsolescence

How Owners Can Intervene To Effect Increase Or Prevent A Decrease In Value Of Their Properties

Signs That Property Values Are Nearing Its Peak

Signs That Indicates Property Values May Go Down

Land Speculating
.
Investors Need:

Risk

Techniques


What To Watch Out When You Have Invested In Vacant Land

Notes On Non-Conforming Structures



Day 3

INTRODUCTION TO PROPERTY DEVELOPMENT and
HOUSING & LAND USE REGULATORY BOARD (HLURB) RULES


Going into the business of property development involves a series of critical decision-making stages that requires methodical studies and analysis without which, success becomes a hit or miss game of chance. Prospective developers should watch out for pitfall and traps and be aware of the governing rules covering, among others, plans, standards, permits, licenses and reportorial requirements. As an example, it becomes a very expensive learning experience on the part of the developer if later on it would be found out that the plans prepared do not conform to the standards prescribed by the government rules and regulations.

This lecture will provide the needed learning and updates for upcoming and current developers, professionals and property owners and will include the following: property development as a business; why not everybody are property developers; phases of property development; evaluating land potential; when you should not invest in vacant land; feasibility criteria; evaluating economic feasibility; needed government permits and licenses; notes on land development and housing construction; development costs; marketing and subdivision management; notes on industrial, commercial and condominium developments and others.

In addition are the latest updates on the minimum standards and important provisions of PD 957, BP 220, RA 6552 (Maceda Law), implementing rules of RA 7279 (Lina Law) and related issues on subdivision development such as transactions exempt from license to sell, non-completion of developments, turnover or donation of roads and parks & playground, organization of homeowners associations, registration of real estate dealers and others.


Day 4

PROPERTY VALUATION: HOW TO DO IT YOURSELF

What is the Market Value of a certain property? Do you need to hire an appraiser or can you do it yourself? How would appraisal be done? How reliable is appraisal for making investment decision in real estate? How do you become a licensed real estate appraiser? These are only some of the many questions that would be answered in the seminar on “The How To’s of Property Valuation” that URBAN Institute will conduct.
The seminar covers the topics: needs for appraisal; principles of real estate values; factors that influence real estate values; how appraisals are done and methodologies; data collection and verification; appraisal methods for valuation of lots only, lot with improvements and properties with income; what price to pay for raw lands intended for subdivision development; how to scrutinize appraisal works & accuracy of values; how you can do it yourself and many others.


Day 5

JOINT VENTURES and SYNDICATION FOR REAL ESTATE PROJECTS

There are three major sectors that can enter into a Joint venture for real estate development. One is the developer who has the experience and knowledge but may or may not have the capital needed. Another is the one with the financial resources and capacity, interested in real estate business but lacks the knowledge or experience. The third is the one with the land who may lack either financial resources or knowledge to develop his land.
It would be a big economic contribution if the three resources can be joined and made productive. However, before a joint venture could be concluded, many questions and other important aspects should be learned, clarified and answered for the protection of all the parties.
The topics to be taken up are Concepts and Types of Joint Venture and Project Syndication; Reasons for Joint Ventures; Obligations of Landowner; Undertakings of the Developer; Role of the Syndicator; Financier’s Role; Packaging a JV Proposal; The Syndication Agreement; Sharing Schemes; Safety Nets For Developer; Safeguards For Landowner; Important provisions in a Joint Venture Agreement; Participation Mortgages and others.

[lodyl]

bai jiggles, naa ni sa CEBU ang iyahang mga seminar bai?

[jiggles]

I will try to contact Engr. Cruz if he conducts seminars in Cebu.

JS

[Asawa ni Bai Long]

Ako ra masulti aning kaiser kay way lami inyong customer service..!!!!!!!

[jantz]

Hi Medwarc,

As I mention from my previous comment "fruitful words" is not enough we need numbers, charts etc.. please try to look this site "Welcome to Bank of the Philippine Islands" as you can see this company is very transparent to its client.

They will show you where your money is being invested and the status of your money,.. etc...

Friend if you are will to give your hard earn money, please don't persuade others with just "Fruitful Words". If you can give numbers, charts and etc.. based on your own research (As you mention), maybe we can agree with you.. .

Thank You,
John Smith

FYI. BPI is a publicly listed company in the stock exchange the transparency is a requirement of the exchange. That would be the same for every company listed on the PSE. Those that don't comply get de-listed.

- - - Updated - - -

Hi Medwarc,

As I mention from my previous comment "fruitful words" is not enough we need numbers, charts etc.. please try to look this site "Welcome to Bank of the Philippine Islands" as you can see this company is very transparent to its client.

They will show you where your money is being invested and the status of your money,.. etc...

Friend if you are will to give your hard earn money, please don't persuade others with just "Fruitful Words". If you can give numbers, charts and etc.. based on your own research (As you mention), maybe we can agree with you.. .

Thank You,
John Smith

FYI. BPI is a publicly listed company in the stock exchange the transparency is a requirement of the exchange. That would be the same for every company listed on the PSE. Those that don't comply get de-listed.

[Joex]

Ako ra masulti aning kaiser kay way lami inyong customer service..!!!!!!!

Is Kaiser also into housing program? Real Estate Developer?