Financial Coaching With Krizzia

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🇵🇭Financial Coach | Unit Manager MDRT | Trust Officer | Krizzia Angelica Malicdem
- Trusted by over 1000 Clients nationwide
Top 1 nationwide with 308 clients year 2021

Fill out for free online financial planning:
https://tinyurl.com/FinPlanConsultation

10/06/2026

“Bawat galaw mo sa Pilipinas may tax.
Sahod may tax. Pagkain may tax.
Bibili ka ng sarili mong lupa may tax.

Ang laki ng kinukuha sa atin,
tapos kukurakutin lang?”

Nabasa ko yan sa comment section.

At hindi ako nagtaka
kung bakit maraming nag-react.

Kasi para sa ordinaryong Pilipino,
halos araw-araw may gastos.

At sa maraming transaksyon,
may kasamang tax.

Kapag sumweldo ka.
Kapag bumili ka ng pagkain.

Kapag nagnegosyo ka.
Kapag bumili ka ng property.

Kaya natural lang na may mga taxpayers
na gustong malaman kung saan
napupunta yung ambag nila.

Lalo na kapag may mga balitang
tungkol sa corruption, mismanagement,
o mga proyekto na hindi natatapos.

Kapag ganito, mas lumalakas
yung panawagan ng publiko
para sa transparency.

Kasi gusto lang naman ng tao
na makita na ginagamit nang tama
yung pinaghirapan nilang pera.

At habang ordinaryong Pilipino
patuloy nagtatrabaho, nagnenegosyo,
at nagbabayad ng obligasyon,

mas mahalaga rin
na malinaw ang paggamit ng public funds.

Kasi bawat pondong ginagamit nang maayos,
may epekto sa serbisyo, opportunities,
at kalidad ng buhay ng mamamayan.

EC TAXPH Reminder:

• Taxpayers naturally want transparency in the use of public funds
• Public spending affects services, infrastructure, and opportunities
• Awareness encourages stronger conversations around accountability

10/06/2026

When you’re financially prepared, you have more choices.
And more choices often lead to better outcomes.
Preparation creates opportunities.

10/06/2026

'GUSTO KO YUMAMAN PARA MAAHON KO ANG PAMILYA KO SA KAHIRAPAN'

DAVRAA head coach Jess Evangelio recalled a heartfelt conversation with former player Rene Clert Baterbonia, who tragically died after drowning during an Ateneo Blue Eagles team-building event.

"Coach, hindi muna ako babalik ng five years sa Davao kasi gusto ko yumaman para maahon ko ang pamilya ko sa kahirapan," Evangelio shared, recounting what Baterbonia had told him.

Nakakatawa minsan no?Kapag may magandang experience ka sa VUL, sasabihin nilang na-brainwash ka.Kapag may hindi magandan...
10/06/2026

Nakakatawa minsan no?

Kapag may magandang experience ka sa VUL, sasabihin nilang na-brainwash ka.

Kapag may hindi magandang experience, sasabihin nilang scam agad.

Ang totoo, iba-iba ang sitwasyon ng bawat tao. May mga taong VUL ang swak dahil kailangan nila ng flexibility at long-term protection.

May iba naman na mas bagay ang traditional insurance o pure investments. Walang iisang produkto na tama para sa lahat.

Ang problema hindi laging nasa VUL.

Minsan nasa maling expectations, kulang na explanation, o hindi pagtutuloy ng plano.

Kaya bago maniwala sa mga post sa social media, mag-research, magtanong, at intindihin muna kung para saan talaga ang planong kukunin mo.

Hindi dahil gumana sa akin, dapat gumana rin sa lahat.

At hindi rin dahil hindi gumana sa iba, scam na agad para sa lahat.

Financial planning is personal. Ang mahalaga, alam mo kung bakit mo ito kinuha at paano ito makakatulong sa goals mo at sa pamilya mo. ❤️🙏



Nabasa ko lang..

https://www.facebook.com/share/p/193fDpnhpJ/?mibextid=wwXIfr

10/06/2026

Mas okay ang handa kaysa nagsisisi sa huli. Habang healthy pa ang bata, mas maraming options at benefits. Start now bago pa kailanganin.

10/06/2026

WHEN LIFE FEELS LIKE YOU'RE PUTTING YOUR WAGES INTO A BAG WITH HOLES

The people in Haggai's day had already gone through enough.

They had returned from seventy years of exile with hope in their hearts.

They dreamed of starting over.

Of rebuilding their homes.

Of providing for their families.

Of finally having stability again.

And so they worked.

They planted fields.

They built houses.

They pursued security.

They tried to recover what years of captivity had taken away.

But despite all their effort, life felt strangely disappointing.

Harvests were small.

Resources were scarce.

Nothing seemed enough.

Money came in, but disappeared just as quickly.

And God describes their reality with words that sound surprisingly familiar:

"You have sown much, and harvested little. You eat, but never have enough. You drink, but never have your fill. You clothe yourselves, but no one is warm. And he who earns wages does so to put them into a bag with holes." (Haggai 1:6)

They were not lazy.

They were not refusing to work.

They were not irresponsible.

In fact, they were busy.

Very busy.

But somewhere along the way, rebuilding their own lives had become more important than their relationship with God.

Sixteen years had passed since the foundation of the temple had been laid.

And while they had found time to improve their own homes, God's house remained neglected (Haggai 1:4).

The problem was not their labor.

The problem was their priorities.

They wanted God's blessings.

But they had slowly learned to live without God's presence at the center.

So God lovingly interrupted their routine with a simple command:

"Consider your ways." (Haggai 1:5)

Think carefully.

Look beyond your schedule.

Examine what has become first in your life.

God did not say,

"Stop working."

He did not say,

"Ignore your responsibilities."

He did not condemn homes, careers, or providing for one's family.

Instead, He was calling His people back to Himself.

Because blessing without the Blesser will never satisfy.

Provision without God's presence will never bring peace.

And success without God can still leave a person empty.

Perhaps that is why so many people today resonate with Haggai's words.

We work harder.

Yet everything gets more expensive.

We earn more.

Yet somehow have less.

We receive our paycheck.

And wonder where it all went.

Life can feel like putting wages into a bag with holes.

But God's answer was not merely financial.

His first promise was relational.

When the people responded in obedience, God did not immediately say,

"I will make you rich."

He said:

"I am with you, declares the LORD." (Haggai 1:13)

Because before God restores abundance,

He restores His presence.

Before He changes circumstances,

He calls hearts back to Himself.

And perhaps that is the message some of us need today.

Not that work is unnecessary.

Not that bills are imaginary.

Not that financial struggles are unimportant.

But that our deepest poverty is not found in an empty wallet.

It is found in trying to build life without God at the center.

Because a person may have everything and still feel empty.

But the one who has God possesses something inflation cannot increase and circumstances cannot take away.

And before God says,

"I will bless you,"

He first says,

"I am with you."

And His presence is the one treasure that never slips through the holes in the bag.

10/06/2026

“One critical illness can wipe out everything.”
-Dr. Tony Leachon

Nakakatakot isipin.

Pero para sa maraming Pilipino,
ito ang isa sa pinakamalaking concern.

Kasi karamihan sa atin
may mga pangarap.

May ipon.
May negosyo.

May bahay na hinuhulugan.
May plano para sa pamilya.

Pero kapag dumating
ang isang seryosong health problem,

posibleng maapektuhan
ang lahat ng iyon.

May mga taong
taon nag-ipon.

May mga pamilyang
matagal nagplano.

May mga breadwinner
na unti-unting binubuo
ang kinabukasan nila.

At isang malaking medical expense
ang pwedeng sumubok
sa financial stability ng pamilya.

Kaya maraming eksperto
ang paulit-ulit na nagpapaalala
tungkol sa preparation.

Hindi sapat minsan ang umasa
na magiging okay lang ang lahat.

Mahalaga rin ang emergency fund.
Mahalaga rin ang healthcare planning.
Mahalaga rin ang financial awareness.

Kasi habang maaga,
mas marami tayong options.

Mas marami tayong pwedeng ihanda.
Mas marami tayong pwedeng protektahan.

At sana dumating yung panahon
na mas maraming Pilipino

ang may access sa healthcare
na hindi agad naglalagay
sa pamilya sa financial stress.

Kasi bawat Pilipino ay dapat
may pagkakataon na unahin

ang kalusugan nang hindi natatakot
sa posibleng gastusin.

EC TAXPH Reminder:

• Serious illnesses can create significant financial challenges
• Preparation helps families respond better during emergencies
• Healthcare awareness supports smarter financial decisions

10/06/2026

The best healthcare decisions should be based on need.
Not on the balance of your bank account.
Insurance helps make that possible.

10/06/2026

Lord, please help those people who are burdened by debt and financial worries. Give them wisdom, discipline, and hope as they work toward financial freedom. 🙏

09/06/2026

Habang Nandiyan Pa Sila.
Madalas akala natin marami pa tayong oras. Pero ang pinakamagandang panahon para maghanda ay ngayon. Insure your parents while you still have the opportunity.

Address

9th Flr Luz Building, Gamboa Street Corner Rada St

Telephone

+639083886755

Website

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