Empowering Women in Subic: Connected Women Subic Hosts An Innovative Meetup Experience

  Exciting news for the women of Subic!  Get ready for the first Connected Women Meetup of 2023 , happening simultaneously in different municipalities across Zambales and beyond. The Connected Women Subic Meetup will be hosted by Jen Cajucom and co-hosted by Mitch Carvalho and Lynn Singian. It will be held on February 15, 6pm at Kairos House of Blends , located at the ground floor of the Balai Subik building along National Highway, Mangan-Vaca, Subic. And that's not all. Other municipalities in Zambales will also be holding their own meetups, with Myra Concepcion hosting Connected Women Castillejos, Melissa Moscoso for Connected Women San Felipe and April Mora for Connected Women Olongapo. This will be in conjunction with Connected Women's community-led meetups held all over the Philippines and in other countries. Since 2018, Connected Women meetups in Zambales have been hosted by Jen Cajucom and held as a single meetup for the whole province every 6-weeks. This time around, a

Planning for your loved ones’ future

Later on in life, you’ll want to make sure that both you and your loved ones are financially secure. You want to make sure that, at the very least, you can afford the basics, and, when you eventually pass away, your family is well looked after. Buying an annuity helps enormously with that, although there are a few pitfalls worth avoiding when it comes to choosing death benefits, especially when it comes to payments made to the taxman.  

According to my pension expert, annuities are designed to help provide regular pension payments for anyone who’s saving money from an early age for retirement. Second to buying a first home, it’s one of the most important purchases that a person can make in their lifetime. This is why it’s important to take your time when purchasing one, especially when it comes to choosing one that offers favourable rates and ensures that, if you pass away, the money left goes to the ones you love rather than the exchequer.

To ensure that your annuity is protected from any lowering of rates or any income being unfairly taken in the form of tax, you should think about death benefits. Death benefits mean that any income from your annuity can stay from the moment it’s taken out until you pass away, and even beyond that point.

Funds left in an annuity after death are either vested, where 55% of it will go directly to the taxman. Meanwhile, unvested funds go to the spouse/beneficiary tax-free. When taking out an annuity, make sure that any money remaining post-death is unvested. This will help your loved ones to live more comfortably after you’ve gone and pay for funeral costs and other expenses.


  1. When it comes to pension plans, it's important that you get  the best deals and ensuring that you and your beneficiaries can endure the most out of it.

  2. I came from a pre-need company offering pension, educational and investment plans.  The holders are insured so whatever happens to him/her, the plan is fully paid. Acquiring plans like these depends on the stability of the company so that benefits will be enjoyed and availed.

  3. This hasn't really sunk in my mind yet. I still haven't planned anything financially except to save up for my future. Thank you so much for sharing about this. I somehow got enlightened, and will consider getting a pension plan in the future :)

  4. My husband is sure to have a pension later on...I on the other hand, don't I haven't worked regularly with a company, I might as well do it as a contribution from my earnings. :/


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