XADO Ophir - Davao

19/09/2024

Ang FUND VALUE ay hindi kinita galing sa investment.

Ang fund value sa VUL ay ang portion ng premium that is invested. Kay fund value din kinakaltas ang pambayad for the monthly charges.

VUL is primarily a life insurance plan where a portion of your money is invested kaya the better statement is LIFE INSURANCE WITH INVESTMENT COMPONENT.

Other people choose buy term and invest the difference but since they are not billed or reminded about their investment, others fail to continuously add to the investment part.
..with VUL, you are billed for your plans.

The same is true for traditional plans with cash values and endowment. The savings component makes it possible for you to have additional funds you can rely on in the future.

I am only here to present options because there is no one size that fits all when it comes to strategies.

Just know the wealth of options available for you.

If you think that buy-term -invest-the-difference is the strategy for you, do it!

P.S. Traditional life insurance and VUL plans are not savings and investment plans.

Some traditional plans are life insurance with a savings component (cash value).

Other traditional plans have a savings component (cash value) and guaranteed payouts (endowment).

On the other hand, VUL is a life insurance plan with an investment component (fund value).

Credit to: Tati Alvarez-Castro

08/11/2021

God is guiding you and communicating with you in every second of your life. He is responding to your thoughts and He is giving you invaluable feedback through your feelings. Your feelings are the spiritual communication! The good feelings mean, GOOD FOR YOU. The bad feelings are to get your attention so that you will change what you are focusing on.

Tune in to your spiritual communication that is with you every day. You are never alone, not for a second. God is right with you at every step, guiding you. But you have to listen!

20/05/2021

Why do Engine Oils do not last that long? When supposedly much Advancements in Lubrication Technology have been done in recent years.

Please, let me bring out the ONE most Basic Reason why? Which almost all of us maybe Guilty doing. We change Oil the WRONG WAY !

The FACT is, when we change oil by GRAVITY alone, it will not bring down or ease out the Carbonized Deposits. The new oil is Contaminated RIGHT AT THE VERY START.

The New Good Oil got Detergent (to clean) & Dispersant (to spread out) Additives that would deal with the remnants of contaminants thus the new oil & oil filter service life is shorthened.

Another very important FACT unknown to many is, a Dirty Oil may contain MILLIARDS of Displaced Metals due the effects of Friction, which are WASTED away during oil Changes. Thus Clearances / Tolerances Suffers ! This LOWERS Compression & Oil Pressures. Engine Performance Drops. Fuel & Oil Consumption, Emission Increased.

XADO Vitaflush ExtraOrdinary Technology, when added before Oil Changes will not only Intensively CLEAN up to Absolute Potential Engine Cleanliness, but more Importantly will RESTORE Engine by CAPTURING the Displaced Metals and REDEPOSIT in the areas of Wear & Friction ! That's Truly Amazing.

If you care, please SHARE !

19/04/2021

Total Engine Cleaner

28/03/2021

Wazzz up Xado people!
I would like to invite you to visit our newly created youtube channel: https://bit.ly/31nUCwF

Hope you guys will support us by tapping the LIKE button..
tap the SUBSCRIBE button..
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Ride Meming is about vlogging either motorcycles or any four wheel vehicle on any road & off road adventure or travel activities. Also this channel includes ...

18/12/2020

12/11/2020

XADO "In-Placed Repair" NANO Ceramic-Metal Treatment ExtraOrdinary Russian Technology ! - is The ONLY Technology in The WORLD which ADDS both Weight & Dimension to WORN OUT Parts and Completely Restores their Geometry while Operating.

It SAVES Energy, Resources & Possesses the Unique Ability to REPAIR Machines & Mechanism without the need of Disassembling or Overhauling.

For Your Engine's Performance & Ultimate Protection against Excessive Heat, Load and Corrosion Damage. It also Provides Extra Protection during ACCIDENTAL loss of Oil & Water. Actual Tests have shown Engine Running at Racing Speed, Exceeding 5,000kms w/o a single drop of Oil.

METAL CAN BE HEALED! Only with XADO

04/11/2020

The Combi for Ranger

29/10/2020

Planetary Gears are the Preferred Transmission Design today because of its MAIN Advantages: High Efficiency, Compactness, Large Transmission Ratio and its Large Power to Weight Ratio, etc...

Protect your: Automatic & Manual Transmission, Differential, Transfer Case, Power Steering & Hydraulics System.

XADO ExtraOrdinary Technology Ceramic-Metal Treatment CORRECTS the GEOMETRY(SEAT) of GEARS. Converts Metal Surfaces 300x Smoother (Ceramics) and 10x Harder (Carbide) than Steel. XADO Repairs, Restores & Protects metal surfaces from Excessive Heat, Load, RPM & Corrosion Damage. Also, it provides Extra Protection from ACCIDENTAL LOST of Oil.

29/10/2020

Another User Xado Fuel & Oil Treatment Maintenance to avoid overhauling of your engine..

HONDA XR 200
Noisy Engine, at saka naga vibrate at umousok na... Nang dahil sa Xado Technology hindi ma overhaul engine nya...

FUEL ECONOMY
ENGINE CLEANER
ENGINE VITAFFLUSH
ANTI-CARBON..Without top overhaul the engine...

🌏XADO SMART NANOTECHNOLOGY 🌍

COATING W/CERAMIC-METAL & CARBON60

🎪 A RUSSIAN TECHNOLOGY 🎪
WITH REVITALIZANT

FOR ALL TYPES OF ENGINE
GASOLINE OR DIESEL..

👇AVAILABLE ADDITIVES👇

👉ENGINE TREATMENT
👉FUEL SYSTEM TREATMENT
👉POWER STEERING TREATMENT
👉TRANSMISSION MANUAL/AUTOMATIC TREATMENT
👉DIFFERENTIAL TREATMENT

👇AVAILABLE XADO ATOMIC OIL👇
WITH REVITALIZANT

📌10W-60 1liter Racing Oil
📌10W-40 1Liter Racing Oil
📌5W-30 1liter Dual Gas/Diesel
📌5W-30 1liter dual Gas/Diesel
📌5W-40 4liters Luxury Drive Dual Gas/Diesel
📌5W-30 4liters Luxury Drive Dual
📌5W-40 4liters Black Edition 2D sliding Dual
📌5W-30 4liters Black Edition 2D Sliding Dual

Light & Heavy Trucks
📌20W-50 Pail 20Liters for Diesel Trucks

Ratio change Oil Interval
📌Gasoline Engine up to 30,000 Kms or More
📌Diesel Engine Up to 50,000 kms or More
📌Trucks Up to 150,000kms Change oil interval

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