After discussing the Buy Term Invest the Difference system a couple of episodes ago, we dive into its counterpart which is the VUL (Variable Universal Life/Variable Unit-Linked). In this episode we get into some of the most common questions surrounding the VUL product and also provide some insights on who is best suited for this type of product. Again, there is really no one size fits all solution and we should stop going into the BTID versus VUL "debate" as we see both are viable system/product. It is just a matter of a person's preference of which of these two they feel is best for their needs. Join us weekly in our Peso Pub "kwentuhan" about personal finance, careers, investments and insurance through the following platforms: Spotify: https://spoti.fi/3v2gRpK Apple Podcast: https://apple.co/3sQ7APq Follow us through our social media accounts: Peso Pub FB Page: https://www.facebook.com/pesopub Argel - Facebook: fb.com/argeltiburcio - YouTube: argeltiburcio.com/youtube - Instagram: instagram.com/argeltiburcio - Website: www.argeltiburcio.com JJT - Facebook: https://www.facebook.com/JJTPremierFinancials

Dying a slow death. That is what I call a situation where we get critically ill and not being able to afford treatment. It is actually one of my biggest fear. The idea of seeing my family suffer financially and sacrifice their future is just something I don't want to happen. In this episode, we were joined by Argel's better half, Maj (who is a doctor), as we talk about the high cost of health care and the importance of getting yourself insured or financially protected against illnesses. How much does it cost to get cancer treatment? How about getting confined because of COVID? Join us weekly in our Peso Pub "kwentuhan" about personal finance, careers, investments and insurance through the following platforms: Spotify: https://spoti.fi/3v2gRpK Apple Podcast: https://apple.co/3sQ7APq Follow us through our social media accounts: Peso Pub FB Page: https://www.facebook.com/pesopub Argel - Facebook: fb.com/argeltiburcio - YouTube: argeltiburcio.com/youtube - Instagram: instagram.com/argeltiburcio - Website: www.argeltiburcio.com JJT - Facebook: https://www.facebook.com/JJTPremierFinancials

One of the more controversial topics in personal finance is the BTID vs. VUL debate. Which one is better? In this episode we dissect the BTID system and how it can work to your advantage or to your disadvantage. We'll do this without pulling down the VUL product since both will definitely have pros and cons depending on your preference. We discuss what is BTID, who is this suited for, what to consider when using this system and how to maybe use this system based on our personal preferences. The only reason why this debate has always been controversial is because believers of the BTID system feels that theirs is the only system that's effective and there is this need to be right in this debate. The same goes for VUL believers. For us, there is not one system that is perfect - we just have to find what's the right system for ourselves without envying what others are doing. Hopefully, this episode helps. Join us weekly in our Peso Pub "kwentuhan" about personal finance, careers, investments and insurance through the following platforms: Spotify: https://spoti.fi/3v2gRpK Apple Podcast: https://apple.co/3sQ7APq Follow us through our social media accounts: Peso Pub FB Page: https://www.facebook.com/pesopub Argel - Facebook: fb.com/argeltiburcio - YouTube: argeltiburcio.com/youtube - Instagram: instagram.com/argeltiburcio - Website: www.argeltiburcio.com JJT - Facebook: https://www.facebook.com/JJTPremierFinancials

In this episode of the Peso Pub we invited fellow financial advisor and former OFW (seaman), Gerald Andagan, to share his experiences as an overseas Filipino worker and also some experiences from his OFW clients. We discussed the struggles of OFWs when it comes to saving or when it comes to having a balanced asset allocation. Learned a lot in this discussion. Join us weekly in our Peso Pub "kwentuhan" about personal finance, careers, investments and insurance through the following platforms: Spotify: https://spoti.fi/3v2gRpK Apple Podcast: https://apple.co/3sQ7APq Follow us through our social media accounts: Peso Pub FB Page: https://www.facebook.com/pesopub Argel - Facebook: fb.com/argeltiburcio - YouTube: argeltiburcio.com/youtube - Instagram: instagram.com/argeltiburcio - Website: www.argeltiburcio.com JJT - Facebook: https://www.facebook.com/JJTPremierFinancials

Have you heard of Digital Banking? Did you know that digital banks give slightly better interest rates than savings account in commercial banks? In this episode we talk about the different benefits of digital banking and some disadvantages it may have as well. Join us weekly in our Peso Pub "kwentuhan" about personal finance, careers, investments and insurance through the following platforms: Spotify: https://spoti.fi/3v2gRpK Apple Podcast: https://apple.co/3sQ7APq Follow us through our social media accounts: Peso Pub FB Page: https://www.facebook.com/pesopub Argel - Facebook: fb.com/argeltiburcio - YouTube: argeltiburcio.com/youtube - Instagram: instagram.com/argeltiburcio - Website: www.argeltiburcio.com JJT - Facebook: https://www.facebook.com/JJTPremierFinancials

Cryptocurrency has been the talk of the town over the past few months as it reached all-time highs (it has dropped back down). This has sparked a lot of conversations about it being a great investment tool to earn. So in this episode Argel shares with me (not a crypto investor) and sells me the idea of investing in cryptocurrencies. Should I (we) get into investing in crypto? Join us weekly in our Peso Pub "kwentuhan" about personal finance, careers, investments and insurance through the following platforms: Spotify: https://spoti.fi/3v2gRpK Apple Podcast: https://apple.co/3sQ7APq Follow us through our social media accounts: Peso Pub FB Page: https://www.facebook.com/pesopub Argel - Facebook: fb.com/argeltiburcio - YouTube: argeltiburcio.com/youtube - Instagram: instagram.com/argeltiburcio - Website: www.argeltiburcio.com JJT - Facebook: https://www.facebook.com/JJTPremierFinancials

Is there such a thing as too much insurance? How much insurance does one really need? In this episode we talk about the amount of insurance one would need and what are the different considerations when deciding on how much insurance to get. Join us weekly in our Peso Pub "kwentuhan" about personal finance, careers, investments and insurance through the following platforms: Spotify: https://spoti.fi/3v2gRpK Apple Podcast: https://apple.co/3sQ7APq Follow us through our social media accounts: Peso Pub FB Page: https://www.facebook.com/pesopub Argel - Facebook: fb.com/argeltiburcio - YouTube: argeltiburcio.com/youtube - Instagram: instagram.com/argeltiburcio - Website: www.argeltiburcio.com JJT - Facebook: https://www.facebook.com/JJTPremierFinancials

We have a guest! But more than that, in this episode we talk about money in relationships. Does financial stability matter when finding the right partner? Money is probably one of the most common factors why couples split up, so we discussed with our guest, fellow advisor Bea Sablan on what is okay an what is not okay when it comes to money and relationships (for now, just the BF/GF type, we will have a separate episode for the husband/wife levels).  Join us weekly in our Peso Pub "kwentuhan" about personal finance, careers, investments and insurance through the following platforms: Spotify: https://spoti.fi/3v2gRpK Apple Podcast: https://apple.co/3sQ7APq Follow us through our social media accounts: Peso Pub FB Page: https://www.facebook.com/pesopub Argel - Facebook: fb.com/argeltiburcio - YouTube: argeltiburcio.com/youtube - Instagram: instagram.com/argeltiburcio - Website: www.argeltiburcio.com JJT - Facebook: https://www.facebook.com/JJTPremierFinancials

In this episode we get back to basics and give some money management techniques that can help you take control of your finances instead of letting your money control you. From budgeting to tracking your expenses, we share some tips that have helped us and some of our clients improve the way we handle our finances. Join us weekly in our Peso Pub "kwentuhan" about personal finance, careers, investments and insurance through the following platforms: Spotify: https://spoti.fi/3v2gRpK Apple Podcast: https://apple.co/3sQ7APq Follow us through our social media accounts: Argel - Facebook: fb.com/argeltiburcio - YouTube: argeltiburcio.com/youtube - Instagram: instagram.com/argeltiburcio - Website: www.argeltiburcio.com JJT - Facebook: https://www.facebook.com/JJTPremierFinancials

Credit cards can be a nice tool for managing your personal finances. It even has perks when you use it. BUT it can also cause financial disaster if abused. So in this episode we dive into credit cards and the benefits you can enjoy and the possible pitfalls that you should avoid when using your credit cards. We also share some tips on how to get out of credit card debt in case you are already in one. Join us weekly in our Peso Pub "kwentuhan" about personal finance, careers, investments and insurance through the following platforms: Spotify: https://spoti.fi/3v2gRpK Apple Podcast: https://apple.co/3sQ7APq Follow us through our social media accounts: Argel - Facebook: fb.com/argeltiburcio - YouTube: argeltiburcio.com/youtube - Instagram: instagram.com/argeltiburcio - Website: www.argeltiburcio.com JJT - Facebook: https://www.facebook.com/JJTPremierFinancials