Rkeen Rojas @rkeen

https://www.linkedin.com/in/rkeenrojas

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Even if you have established some financial stability in your 30s, the next step isn't always clear. Check out these 3 smart money moves for help achieving your next financial goals. http://go.axa.com/MokiJk (ctto: @AXA US, @The Motley Fool)

Haven't started yet? Don't worry, just contact me and let's work a plan custom-built for you!
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Even if you have established some financial stability in your 30s, the next step isn't always clear. Check out these 3 smart money moves for help achieving your next financial goals. http://go.axa.com/MokiJk (ctto: @AXA US, @The Motley Fool) Haven't started yet? Don't worry, just contact me and let's work a plan custom-built for you!

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Dreams are useful for envisioning your goals, but it's the steps you take that can actually get you there. (ctto: AXA US)

Which one are you? Dreamer or doer or a little bit of both? Let me help make your dreams a reality.
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Dreams are useful for envisioning your goals, but it's the steps you take that can actually get you there. (ctto: AXA US) Which one are you? Dreamer or doer or a little bit of both? Let me help make your dreams a reality.

The Philippines' economic growth may have picked up last quarter on the back of robust domestic demand and a recovery of external trade, Nomura says.

Full article: http://beta.bworldonline.com/topstory/topstory3.php (ctto: BusinessWorld, www.moneycontrol.com)
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The Philippines' economic growth may have picked up last quarter on the back of robust domestic demand and a recovery of external trade, Nomura says. Full article: http://beta.bworldonline.com/topstory/topstory3.php (ctto: BusinessWorld, www.moneycontrol.com)

Is it possible to have an exciting vacation AND continue to spend within your means? With a little planning and creativity, you can make your travel dreams a reality--without breaking the bank. http://go.axa.com/kaLfUB (ctto: @axa us)

It is... Just keep your eyes focused on your goals!
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Is it possible to have an exciting vacation AND continue to spend within your means? With a little planning and creativity, you can make your travel dreams a reality--without breaking the bank. http://go.axa.com/kaLfUB (ctto: @axa us) It is... Just keep your eyes focused on your goals!

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Whatever your age or circumstance, taking the time to protect the future of your loved ones can be one of the most responsible things you can do. Here's why: http://go.axa.com/eNXn1A (ctto: AXA US) "Life insurance is an important financial tool that could benefit you at many different stages in your life. Consider setting up an appointment with a professional to discuss the advantages life insurance can provide you." I await your PM! 😉
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Whatever your age or circumstance, taking the time to protect the future of your loved ones can be one of the most responsible things you can do. Here's why: http://go.axa.com/eNXn1A (ctto: AXA US) "Life insurance is an important financial tool that could benefit you at many different stages in your life. Consider setting up an appointment with a professional to discuss the advantages life insurance can provide you." I await your PM! 😉

Waiting for that moment to arrive when you can FINALLY make your dreams happen? Why wait? These tips can help you start making strides toward your goals today. http://go.axa.com/4O07ZJ (ctto: AXA US, www.thesimpledollar.con)

Why put off something you can initiate today? Start small and build up from there... I can help. Let's get together!
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Waiting for that moment to arrive when you can FINALLY make your dreams happen? Why wait? These tips can help you start making strides toward your goals today. http://go.axa.com/4O07ZJ (ctto: AXA US, www.thesimpledollar.con) Why put off something you can initiate today? Start small and build up from there... I can help. Let's get together!

Question: What can your Php 50,000 do for you?
Answer: Give you a head start on your dreams!

Discover how today with MyAmbition: http://po.st/8vlMqq

Let me help you get started...Send me a PM today!
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Question: What can your Php 50,000 do for you? Answer: Give you a head start on your dreams! Discover how today with MyAmbition: http://po.st/8vlMqq Let me help you get started...Send me a PM today!

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Motivation doesn't come easy for everyone. What drives you to stick with your goals? (ctto: AXA US)

I can help you get started and stick to a plan designed specifically to achieve your goals and priorities....
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Motivation doesn't come easy for everyone. What drives you to stick with your goals? (ctto: AXA US) I can help you get started and stick to a plan designed specifically to achieve your goals and priorities....

Markets update: #PSEi ⬆️ #peso ⬆️
(ctto: @BusinessWorld)

Great way to start the week...
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Markets update: #PSEi ⬆️ #peso ⬆️ (ctto: @BusinessWorld) Great way to start the week...

The central bank said the reserves can still cover 8.9 months’ worth of import duties for goods and services.

Full Article: http://www.bworldonline.com/content.php?section=TopStory&title=central-banks-fx-operations-erode-reserves&id=143499 (ctto: BusinessWorld)
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The central bank said the reserves can still cover 8.9 months’ worth of import duties for goods and services. Full Article: http://www.bworldonline.com/content.php?section=TopStory&title=central-banks-fx-operations-erode-reserves&id=143499 (ctto: BusinessWorld)

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BTID vs. VUL – The Final Verdict
************************************* Here’s the bottom line: - VUL is the better option if you believe you will reach a ripe old age.
- If you think you will die young, BTID is the way to go!  But you risk running out of money if you live a long life. *
Continue reading if numbers don’t make you sick. *

The attached table is the basis for my verdict. It simulates the BTID and VUL schemes to provide financial protection to a family as well as funds for retirement.  Notes about the assumptions used can be found at the bottom.  Focus on the comparison between accumulated/account values as well as total death benefits. 
The “sweet spot” is at age 61, when VUL becomes more attractive than BTID. After age 75, when you can no longer be covered by a term insurance, the edge of VUL over BTID becomes even more pronounced; a difference of several millions in our simulation. (Please note that the sweet spot may not be the same for a different face amount.  Also, the sweet spots for products from different insurance companies will likely differ, but I think not by much.) Feel free to scrutinize the table because I may have missed something. Please let me know if you have any comment, observation, question or clarification.  If you have a compelling argument backed by numbers that BTID is better even when you reach old age, do share so we can be enlightened.  Thanks. (ctto: Alvin Tabañag)
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BTID vs. VUL – The Final Verdict ************************************* Here’s the bottom line: - VUL is the better option if you believe you will reach a ripe old age. - If you think you will die young, BTID is the way to go! But you risk running out of money if you live a long life. * Continue reading if numbers don’t make you sick. * The attached table is the basis for my verdict. It simulates the BTID and VUL schemes to provide financial protection to a family as well as funds for retirement. Notes about the assumptions used can be found at the bottom. Focus on the comparison between accumulated/account values as well as total death benefits. The “sweet spot” is at age 61, when VUL becomes more attractive than BTID. After age 75, when you can no longer be covered by a term insurance, the edge of VUL over BTID becomes even more pronounced; a difference of several millions in our simulation. (Please note that the sweet spot may not be the same for a different face amount. Also, the sweet spots for products from different insurance companies will likely differ, but I think not by much.) Feel free to scrutinize the table because I may have missed something. Please let me know if you have any comment, observation, question or clarification. If you have a compelling argument backed by numbers that BTID is better even when you reach old age, do share so we can be enlightened. Thanks. (ctto: Alvin Tabañag)

No two retirement dreams are the same, so why design your savings plan as if they are? Let's talk about tailoring your financial strategy to match what you truly want to get out of your retirement--whatever it may be. http://go.axa.com/SsxBlB (ctto: @AXAUS, www.thesimpledollar.com)

Developing custom solutions is my expertise... Are you ready to start your journey towards financial freedom? Let's talk.
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No two retirement dreams are the same, so why design your savings plan as if they are? Let's talk about tailoring your financial strategy to match what you truly want to get out of your retirement--whatever it may be. http://go.axa.com/SsxBlB (ctto: @AXAUS, www.thesimpledollar.com) Developing custom solutions is my expertise... Are you ready to start your journey towards financial freedom? Let's talk.

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