If you are new in investing, you’ll probably encounter these types of investment instruments: UITF or Unit Investment Trust Fund, MF or Mutual Funds, and VUL or Variable Universal Life Insurance. They are what we call part of the “pooled funds” that are invested together in the stock market. In short, if you are still…
About: Pinky De Leon-Intal, MD, RFC
Author Archives: Pinky De Leon-Intal, MD, RFC
Congratulations! You are Now a Board Certified Doctor! Now What?
You finally did it! Big hooray, and yehey. You pushed through all the years of hard work, sleepless nights, eye bags, self-doubt, exhaustion, double personality disorder and caffeine-controlled-life to finally at the end of the journey. You are now Board Certified Medical Doctor! Your family is proud and you are probably grinning from ear to…
A Guide to Creating Beneficiaries for your Life Insurance Policy
Before we start with the Guide to Creating your Beneficiaries to your life insurance policy, let me familiarize you with some of insurance lingo and terms that we will be using in this post: Policy Owner (or policyholder) – the person who owns an insurance contract (policy) Life Insured – The person whose life is…
Avoiding Paycheck to Paycheck Lifestyle Pitfalls
Do you have a paycheck mentality or a net worth mindset? Ana is a 30-year-old creative director for a top advertising company. She is able to lease a one-bedroom condo unit in the business district, get an SUV on a mortgage, and can afford daily luxuries. Ana may seem to fit the description…
Creating a Living Will (CPR or DNR – Do Not Resuscitate)
For the past month, a very close relative of mine was in ICU (Intensive Care Unit) due to a critical illness. But only last week that we were called by her doctors to make a very important decision as a family. The question is: Do we still want to continue medical intervention despite futile…
What if I am SICK? Can I still get a Life Insurance Policy?
Recently, I have a client who got deferred because she was very thin. Because of her weight, she was made to undergo a chest x-ray before admitting her application. True enough, after the chest x-ray, she was found to have a PTB (Pulmonary Tuberculosis) hence, her application was deferred. From the above example, there are…
9 Common Mistakes First-Time Life Insurance Buyers Make and How To Avoid It
1. They buy life insurance because they are being offered by their friends or family (buying with no definitive reason). Life insurance is an important part of a financial foundation for any person or family. It should be bought for a definite reason and not just because it’s being offered by a friend or family…
Who Wants To Be a Doctor? 13 FAQs about the DOH Scholarship
Ever since I was a child, I was one of those kids whom when you ask, “What do you want to be when you grow up?” will always answer, “I want to be a doctor.”, even though I excel more in Math subjects. That answer never changed. In college, I chose a course in…
