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  1. Join Date
    Jan 2006
    Posts
    214
    #1
    Good day

    may maishare ba kayo about educational plans, malapit na po kasi akong magkababy this coming decmeber, any recommendations, or time deposit na lang or any other options to assist my babys financial needs in her college days

  2. Join Date
    Oct 2002
    Posts
    1,496
    #2
    Personally, I'd stay away from educational plans.

    Look at what happened to planholders in recent years. daming hindi naka-claim and lots of companys filed for bankruptcy. Your money's better off invested somewhere else.

  3. Join Date
    Oct 2002
    Posts
    15,525
    #3
    if you are getting one, get one from life insurance companies...those products which are tied up with life insurance. it is because life insurance companies are regulated by the insurance commission compared to pre-need companies which are regulated by SEC.

    the insurance commission mandates life insurance companies to increase their capital every now and then which ensures stability of the company. may mga legal reserves din ang life insurance companies as mandated by law.

    although i am not to discredit pre-need companies, may mga stable pre need companies din naman like Philam, Prudentialife, etc. i think mazdamazda can help you with prudentialife.

    but as per my recommendation above, try to look at the product of insular life. may educational plan din yan tied up with life insurance. i got my son one, which will give him the face amount of the plan when he turns 16. he can use that for his college education. aside from that, he (and me as the payor) is covered by life insurance in case something happens to him (and me) before my kid reaches age 16. and yes... it is payable up to 5 years only... sort of a limited pay plan and an endowment plan.

    imho...

  4. Join Date
    May 2006
    Posts
    8,331
    #4
    Bro time deposit ka na lang sa BPI para sa bata medyo malaki din percentage may insurance pa yun para sayo. Halimbawa may nangyaring hindi maganda sayo may makukuha ang pamilya mo. 60k yata yung minimum deposit.

  5. Join Date
    May 2005
    Posts
    4,808
    #5
    2 years aho, i finished paying for the premiums for my 3 kids. Platinum for College education nila and Professional Group for High SChool... binuno ko yun for several years...

    where now? TALO!!! sugal talaga eh.....

  6. Join Date
    Apr 2005
    Posts
    516
    #6
    Quote Originally Posted by LHV View Post
    Good day

    may maishare ba kayo about educational plans, malapit na po kasi akong magkababy this coming decmeber, any recommendations, or time deposit na lang or any other options to assist my babys financial needs in her college days
    I can recommend the Prudentialife Educational Plan, presently using it for my son who is enrolled at CSB. does not experience any problem, I can get the check within 48 hrs after filing.

    Other plans yata has problem like pacific plan and college assurance plan.

  7. Join Date
    Sep 2006
    Posts
    465
    #7
    wala na po ang CAP..

    CAP po kami and hindi na nakukuha ng mom ko ang refund from my CSB tuitions.. personal money na tlga.. d na rin umaasa mom ko since nasulit na rin nya ang cap... dahil nagamit ng husto ng older sis and older brother ko... ust pre-med sister 4 yrs.. tas 3 yrs 1 term kuya ko sa la salle main.. sa tuition pa lng ng la salle, sulit na sulit na LOL

    since my whole college life, 3 terms at most lang ang nagamit ng cap... which is ofcourse, sulit na tlga LOL

    ayaw mo mag family first? atleast yun foreign and malaki yung company.. :-)

  8. Join Date
    Apr 2004
    Posts
    3,067
    #8
    uitf ka na lang or look for a fund manager...

  9. Join Date
    Oct 2002
    Posts
    20,213
    #9
    PhilAm ang kinuha ko sa anak ko.

    kung ilalagay kasi sa bank ang pera, baka dumating ang time na may pangangailangan ka at ma-tempt kang 'utangin' yung pera. at least sa insurance, mas mahihirapan kang ilabas ang pera, at kung nailabas mo man ng pre-term, alam mong malaki ang lugi mo kaya hindi mo na gagalawin.

  10. Join Date
    Oct 2002
    Posts
    37,195
    #10
    Quote Originally Posted by charriolkid View Post
    wala na po ang CAP..

    CAP po kami and hindi na nakukuha ng mom ko ang refund from my CSB tuitions.. personal money na tlga.. d na rin umaasa mom ko since nasulit na rin nya ang cap... dahil nagamit ng husto ng older sis and older brother ko... ust pre-med sister 4 yrs.. tas 3 yrs 1 term kuya ko sa la salle main.. sa tuition pa lng ng la salle, sulit na sulit na LOL

    since my whole college life, 3 terms at most lang ang nagamit ng cap... which is ofcourse, sulit na tlga LOL

    ayaw mo mag family first? atleast yun foreign and malaki yung company.. :-)

    is this the same co that keep on harassing people in the mall? telling them they can win big prizes,but thr truth is they just want you to go with them so they could sell you insurance... I don't think anyone should trust their money on a co. that used this kind of marketing....

    sa umpisa pa lang niloloko na nila ang mga tao..if their product is that good then why don't they sell it as it is...

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Good educational plan or any other option