I'm a "call boy" (call center agent po hehe). My girlfriend is a bank teller. We've been working and saving up for almost 5 years now. We have a 2-year old daughter. Dati, gusto ko sana mag-ambag na kami para sa educational plan niya. Pero pagkatapos ng nangyari sa mga Legacy plan holders, nagdadalawa at nagtatlong isip ako. Pinaghirapan din namin yung perang naipon namin. Paano namin malalaman kung aling mga preneed company ang mapagkakatiwalaan?
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How to Avoid Being Scammed?
May risk naman talaga involved pag maglalabas ka ng pera para sa kahit anong pre-need plan - be it educational plans, life insurance, or other "investment" of like manner. I'm not a lawyer but I'm good friends (at least I like to think so) with enough of them (and their geek legalese) to have heard them called aleatory contracts; meaning, it entails risk precisely because compliance therewith is contingent on the happening of an event. Fuck! (can I say that here? hehehehe) I'm even beginning to sound like a lawyer! Anyhoot, as I was saying, there's risk involved, so before you "invest", make sure that what you're investing is money you can stand to lose, and do your research and get to know the company and the people running it. A disclaimer though. All this is armchair advice, seeing as I've never had the extra money to invest in anything hehehe
general rule: if it's too good to be true, it probably is.

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