https://www.facebook.com/113633780347489/

Lingzhi Alicia-Cauayan, Cauayan (2026)

28/10/2024

Here's the thing not many people understand about insurance:

You 𝗔𝗣𝗣𝗟𝗬 for insurance.

It's not automatic that you can get it when you want it.

People called Underwriters assess the risk factors you have in your life like your age, your occupation, your medical history, etc. They have access to this because you give them consent to look at your records when you apply.

The ending to your application can be 1 of 4 things: approved, substandard, postponed, or declined.

Approved = accepted risks, plan is issued
Substandard or rated = added premiums due to above average risk
Postponed = wait 6 months to reapply again
Declined = cannot avail of the plan due to high risk

When someone comes up to me and asks me if they could still get insured, I tell them off the bat that it never hurts to try. But of course, the ideal is to get it when 𝘆𝗼𝘂'𝗿𝗲 𝗶𝗻 𝘁𝗵𝗲 𝗯𝗲𝘀𝘁 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗵𝗲𝗮𝗹𝘁𝗵.

Usually, that's when you're younger, when it's a lot more affordable to get it because of lesser risks.

I've had so many potential clients postponed because of inconclusive medical results. I have others, sadly, who couldn't get it anymore because of critical illnesses experienced in the past.

Why wait for a time when you could no longer avail of it?

Whatever situation or health condition you're in, the best time to apply is 𝗡𝗢𝗪.

Your Trusted Financial Wealth Planner,
Theresa Baquiran

04/10/2024

👩WHAT EVERY WOMAN SHOULD UNDERSTAND

1. Your biggest enemy is yourself. That enemy is the one who makes you overthink, develop a low self-esteem, make you emotionally unstable and give you headache. Love yourself from the inside first before you expect love from the outside.

2. You are not in a relationship with a man until you both clearly state it. Don't get carried away by the idea of love with a man simply because he spends time with you or treats you special

3. If you are in a relationship or marriage, demanding your man to spend time with you will not make him do so. A man willingly spends time with you because you give him peace and he enjoys your company. Attract him the same way you peacefully and warmly attracted him when he was pursuing you

4. Mr. Right is the man who offers a conducive environment for you to be the best you. Choose your environment well

5. Your husband will never find you if you keep fooling around with other women's husbands

6. Mr. Right can also hurt you. The difference is that Mr. Right hurts when he hurts you, he apologises, owns up to his short comings and makes effort to love you better. Love is a learning process

7. Silent treatment will not solve anything. If your man hurts you, learn to speak your hurt and teach him to love you better. The best couples have mastered the art of conflict resolution

8. Most men don't mind being corrected. What they do mind is the tone with which you correct them. The world has been harsh towards women for years, but tone down your defensive mode and learn to communicate effectively with respect and love. You two don't have to fight and argue to look like you are addressing issues

9. A man who is not serious about you will avoid accountability, will operate in grey areas and will hide you. You will never go far with him. Serious men like being kept accountable, they take pride in what they commit to and are not afraid of responsibilities

10. Getting pregnant for a man will not make him serious about you. Men are serious about a woman because they have a personal vision that includes her

11. If you are not a woman who knows herself, relationships and marriages will bring you drama. Your self awareness is your personal responsibility

12. If you do know yourself and you get married to a man who doesn't know himself, he will frustrate you. Be careful in him being lost he doesn't make you lose you. When marriages go bad, the repurcations are heaviest on the woman

13. Just because you have a relationship with God or you marry someone who has a relationship with God does not mean your marriage will work. You two have to learn to relate with each other, not just with God

14. There are good men in this world, just like there are good women in this world. You will not encounter those good men if you keep entertaining the wrong ones and frequenting where the wrong ones dwell

15. During dating, if you want to see the calibre of man you are getting to know, put off s*x and see if he will stay, if he is interested for more than just s*x. Be careful, some men will tell you all kinds of promises to get you to bed. They are just curious about how s*xing you feels like, not interested to grow with you. Once they s*x you, the curiosity goes, especially after you get pregnant

16. Relationships/marriages don't always end or struggle because of the man, sometimes you are the problem. Learn to be honest and objective to see your wrong. If you two work together, your love will grow stronger

17. An insecure man will fight everything that is good about you; from your success, your career, your beauty, your personality, your education and he will blame you for his own issues. He is the problem, not you. Don't dim your light for a man whose identity is in darkness

18. If you have a good man, don't exaggerate the wrong he has done today to the point that you forget how good he has been to you. Don't make him feel unappreciated because he didn't do as you wanted him to today. Keep your perspective and don't overreact

19. Don't be that woman who has been so damaged by wrong men that when the good man comes along you push him away

20. Before you go and share your issues with your man to your friends, share them with him. The solution lies between you two. If he is stubborn or you two still disagree, then share with someone he can be accountable to, like a true friend or a counsellor, if it gets worse, involve both your parents

21. Disagreement or a bad day in your relationship or marriage doesn't mean it is breaking apart. Keep calm. Don't panic

22. No matter how much your husband loves you, he might not see your dreams or even support you that much. You have to learn to defend and nurture your dreams even if he doesn't get it

22. Complaining and nagging will never give you the desired results, it will only push your man away from you and make him tolerate you instead of enjoy you. If you want to inspire him to do more for and with you, appreciate him, have pleasant conversations with him, be easy to talk to

23. If you don't learn how to say no, people and the world will use you and dump you

24. Remember, there is more to life than marriage, s*x and having children. You are a blessing with so much to accomplish and pursue as an individual

25. Don't be hard on yourself. Pat yourself on the back for how far you have come.

01/10/2024

𝐇𝐈𝐍𝐃𝐈 𝐌𝐎 𝐊𝐀𝐈𝐋𝐀𝐍𝐆𝐀𝐍 𝐊𝐔𝐌𝐔𝐇𝐀 𝐍𝐆 𝐋𝐈𝐅𝐄 𝐈𝐍𝐒𝐔𝐑𝐀𝐍𝐂𝐄 𝐏𝐎𝐋𝐈𝐂𝐘!

Kung. . .

- 𝗞𝘂𝗻𝗴 𝗵𝗶𝗻𝗱𝗶 𝗸𝗮 𝗺𝗮𝗺𝗮𝗺𝗮𝘁𝗮𝘆.
- 𝗞𝘂𝗻𝗴 𝗺𝘂𝗿𝗮 𝗮𝗻𝗴 𝗺𝗮𝗴𝗸𝗮-𝘀𝗮𝗸𝗶𝘁.
- 𝗞𝘂𝗻𝗴 𝗵𝗶𝗻𝗱𝗶 𝗺𝗮𝗵𝗶𝗿𝗮𝗽 𝗸𝗮𝗽𝗮𝗴 𝗻𝗮-𝗯𝗮𝗹𝗱𝗮𝗱𝗼.
- 𝗞𝘂𝗻𝗴 𝘀𝗶𝗴𝘂𝗿𝗮𝗱𝗼 𝗸𝗮 𝗻𝗮 𝗵𝗶𝗻𝗱𝗶 𝗸𝗮 𝗺𝗮𝗴𝗸𝗮𝗸𝗮-𝘀𝗮𝗸𝗶𝘁.
- 𝗞𝘂𝗻𝗴 𝘄𝗮𝗹𝗮 𝗸𝗮𝗻𝗴 𝗶𝗻𝗶𝗶𝘀𝗶𝗽 𝗻𝗮 𝗽𝗮𝗺𝗶𝗹𝘆𝗮𝗻𝗴 𝗺𝗮𝗶𝗶𝘄𝗮𝗻 𝗺𝗼.
- 𝗞𝘂𝗻𝗴 𝗮𝗻𝗮𝗸 𝗸𝗮 𝗻𝗶 𝗠𝗮𝗿𝗸 𝗭𝘂𝗰𝗸𝗲𝗿𝗯𝗲𝗿𝗴, 𝗘𝗹𝗼𝗻 𝗠𝘂𝘀𝗸, 𝗮𝘁 𝗝𝗲𝗳𝗳 𝗕𝗲𝘇𝗼𝘀. Char!

Kidding aside. Even those richest men in the world have a lot of life insurance and investment policies.

Pero hindi mo na kailangan pa marinig sa kahit sinong sikat na tao para lang kumuha ka. 𝗞𝘂𝗺𝘂𝗵𝗮 𝗸𝗮 𝗸𝗮𝘀𝗶 𝗸𝗮𝗶𝗹𝗮𝗻𝗴𝗮𝗻 𝗺𝗼 '𝘁𝗼. Sa ngayon healthy ka pa, hindi mo pa maiisip na kailangan mo siya, kaya kung kailanganin mo na siya, sana meron ka kahit isa. Iba ang may kaagapay sa pinansyal sa panahon ng kalamidad ng buhay.

12/09/2024

HINDI NATIN ALAM ANG BUKAS

Lately ko lang talaga narealize na para tayong walking time bomb.
Imagine, may mga plano pa tayo after 5,10, 15, 20 years pero hindi natin alam if in between bibigyan tayo ng mga malalaking hamon sa buhay.
What if, your time is up (mawala nang di inaasahan o magkaroon ng malubhang sakit na treatable pero malaki ang magiging treatment cost o madiagnose na disabled so mahihirapan kang magcontinue sa trabaho mo ngayon):
-Paano pag may maganda ka ng na set-up na negosyo pero walang kang naipon o back up plan incase magkaroon ka ng malubhang sakit?
-Paano pag maliliit pa lang ang mga anak mo at nakaasa pati ang asawa mo sa sahod mo? (hindi ka pwedeng mamatay, magkasakit o madisable)
-Paano pag single ka pero nakaasa sayo ang mga kapatid at magulang mo?
-Paano pag may maganda ka namang trabaho pero hindi pwedeng mawala ka sa company na yan kasi maganda ang benefits at hindi ka din pwedeng magkasakit kasi sayo lang talaga umaasa ang pamilya mo
Alam mo na insurance can bridge these gaps.
Pwedeng covered naman ng company mo ang pagpapagamot mo pero paano ang mga weeks na nagpapagamot ka? Sinu ang magbibigay ng income na nawala?
Lahat ng insurance ay naka base sa financial needs at budget ng bawat tao.
Talk to your financial advisor. . .SmartStart🧡

11/09/2024

iPhone 16 Pro Max fully paid — no savings. There is no problem.
iPhone 16 Pro Max installment — no savings. No problem either.
iPhone 16 Pro Max fully paid — and with savings. Then there's no problem.
Buying or nothing, saving or nothing — well everyone has the freedom to spend their money. We cannot dictate how they will spend it; we can only influence them.
Let's just do our best in educating, don't do guilt trip.

03/09/2024

The 90/10 Principle
Consider a situation: You're eating breakfast with your family. Your daughter accidentally knocks over a cup of coffee onto your business shirt. You curse and harshly scold your daughter for the mishap. She breaks down in tears.
After scolding her, you turn to your wife and criticize her for placing the cup too close to the edge of the table. A short verbal argument follows. You storm upstairs and change your shirt. Back downstairs, you find your daughter has been too busy crying to finish breakfast and get ready for school. She misses the bus. Your wife must leave immediately for work. You rush to the car and drive your daughter to school. Because you are late, you drive 80 km an hour in a 60 km/h speed limit zone. After a 15-minute delay and paying a $60 traffic fine, you arrive at school. Your daughter runs to the building without saying goodbye.
After arriving at the office 30 minutes late, you find you forgot your briefcase. Your day has started terribly, and as it continues, it seems to get worse and worse. You look forward to going home. When you arrive home, you find a small wedge in your relationship with your wife and daughter. Why? Because of how you reacted in the morning.
Why did you have a bad day?
A) Did the coffee cause it?
B) Did your daughter cause it?
C) Did the traffic policeman cause it?
D) Did you cause it?
The answer is D.

You had no control over what happened with the coffee. How you reacted in those 5 seconds is what caused your bad day. Here is what could have and should have happened:
Coffee splashes over you. Your daughter is about to cry. You gently say, "It's OK honey, you just need to be more careful next time." Grabbing a towel, you rush upstairs, change your shirt, and grab your briefcase. You come back down in time to look through the window and see your child getting on the bus. She turns and waves. You and your wife kiss before you both go to work. You arrive 5 minutes early and cheerfully greet the staff. Your boss comments on how good a day you are having.
Notice the difference. Two different scenarios. Both started the same but ended differently. Why? Because of how you REACTED. You really do not have any control over 10% of what happens. The other 90% is determined by your reaction.
Here are some ways to apply the 90/10 secret:
If someone says something negative about you, do not be a sponge. Let the attack roll off like water on glass. You don't have to let the negative comment affect you! React properly, and it will not ruin your day. A wrong reaction could result in losing a friend, being fired, getting stressed out, etc.
How do you react if someone cuts you off in traffic? Do you lose your temper? Pound the steering wheel? Curse? Does your blood pressure skyrocket? Do you try and bump them? WHO CARES if you arrive ten seconds later at work? Why let the blue car ruin your drive?

Remember the 90/10 principle, and do not worry about it! If you are told you lost your job, why lose sleep or get irritated? It will work out. Channel your energy and time into finding another job. If the plane is late, and it is going to mangle your schedule for the day, why vent your frustration on the flight attendant? She has no control over what is going on. Use your time to read, get to know the other passengers, etc. Why get stressed out? It will just make things worse. Now you know the 90/10 secret. Apply it, and you will be amazed at the results.
✍🏻 Worth Sharing

03/09/2024

Read carefully! TRUTH

Lingzhi Alicia-Cauayan

28/10/2024

04/10/2024

01/10/2024

12/09/2024

11/09/2024

03/09/2024

03/09/2024

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