life insurance: do you think its important?

[Streetcar]

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sistah do u know how much a panday earns here? ordinary panday earns about 200p (TAX FREE!) but the master panday....they earn a whooping 300-500p per day! again, tax-free! that is approximately 1,800 at the end of the week na sweldo. bigger than what the rank-and-file-minimum-wage-earner gets. ang pagkakamali nila is...after sweldo...hala hayunnn...blow about 200p on drinking. EVERY WEEK. that is 800p a month.

taxi drivers earn about 300-400p a day...the cleaning duo that comes to my house every two weeks i pay 250p each. a labandera now earns 250p a day. these blue-collar workers do not pay tax ra ba gyud hehehehe. di ba ang minimum wagers sa ato now is about 223?minusan pa gyud ka tax! u study and graduate college and earn just that? yikes.

here is the catch...they buy things...like yung yaya ng anak ko before..susme ang mga damit! aba eh branded at brand new! ako UK lang..sya grabeh! i guess...it really is a matter of prioritizing... kasi everyone now can do their own philhealth...bahala na gamay...basta meron.... that is just 100p a month na contribution. EVERYONE can afford that. even the farmers and the fishermen.

i was shocked to know that the ordinary fishermen sa guimaras...before the oilspill earned approx 400-700p a day! yun ang sabi nila on cam. wow! parang junior exec noh?

i have a tita...family friend really...their workers...not all...kumuha ng pension plan...which is equivalent to an endowment plan sa pioneer. these are ordinary manpower services employees ha...mga janitors...electricians..etc etc. ang ako tita lang....pinakita lang sa kanila ang importance of having something set aside.

and there are also some employers na maganda ang heart....HATI sila sa monthly nung kanilang helper...o di ba masaya?! there are employers naman na covered namin ila VALUED EMPLOYEES ng insurance...ang tawag dun KEYMAN insurance... para ikaw...kung employer ka...tapos eh your biz...say u have a specialized restaurant..say japanese resto...your business depends on the chef that you have...tapos he left you...meron insurance para dun. puwede rin cover ang cashier mo at baka magnakaw...hehehehehe

but that is not life insurance. life insurance is something that we should all look into and purchase. even sa insurance sa vehicles namin meron LIFE na nakatali dun... kasi comprehensive man tanan. those who own vehicles will know what i am talking about. i also sell that btw...as well as fire and everything damaging... hahahahaha. wala lang ako insurance for broken hearts. lol.

Mother Dee, lol @ no insurance for broken hearts, lol. Sige create tayo. Pila man? heheh yup comprehensive vehicle insurance covers it all including hospitalization sa imong nabangga..simbaku palayo ra unta ning mga disgrasya. but mao na purpose sa insurance, you are paying for your peace of mind. we think wala bitaw mahitabo or you wont think about any of that otherwise but when something happens dyan ka protected so its really good to have. Kuha mo ug Whole life i think its better than term insurance.

[d`monyita]

na ambot pila ang insurance for broken hearts....dapat affordable lang kay dami tayo customer. hahahahaha.

whole life is the goal. but for someone nga cannot afford whole life pa ngayon, but suddenly realizes that he needs insurance, term is the best...for now....like ako..hehehehehe. the term insurance can be slowly converted to whole life man...para participating na. according to what i can afford. kaya masaya.

[Streetcar]

lagi, term sab ako. better talaga whole life. ipa convert ko pero i'm sure mas malaki ang premium.

[evs]

waahhh...unsa namn ni naabot namn ni sa insurance sa broken heart....not a bad idea at all.....

[d`monyita]

hehehehehe sister. mao jud...nindot but hahayyyy .....

[ComputerTech]

personally ok ko aning life insurance - naka porkee lang is the stability of the INSURANCE firm itself lets not forget CAP and the likes. Although in anything we do mo involved man jed og risk. Time factor + Stabilility * Risk = Insurance hehe sakto bah? haay anyone could help me find a stable insurance firm in w/c makasalig ta nga insured jed

[d`monyita]

CAP is not an insurance company. Pre-need to bro.

[--Makoy--]

it is important

[black_vixen]

pioneer life kapatid.

ma'am pioneer d ai u? im just starting to have a life insurance sa pioneer, walay pay month.

[thadzonline]

negative ang pagtan-aw sa insurance sa mga pinoy kay dili sila well-educated about it..It's actually protecting the value of one's wealth