Business Affiliate Financial Services

Financial Services

Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events. When planning personal finances, the individual would consider the suitability to his or her needs of a range of banking products (checking, savings accounts, credit cards and consumer loans) or investment private equity, (stock market, bonds, mutual funds) and insurance (life insurance, health insurance, disability insurance) products or participation and monitoring of individual- or employer-sponsored retirement plans, social security benefits, and income tax management.

Financial Services Manila / Financial Services Binondo / Financial Services Ermita / Financial Services Intramuros / Financial Services Malate / Financial Services Paco / Financial Services Pandacan / Financial Services Port Area / Financial Services Quiapo / Financial Services Sampaloc / Financial Services San Andres / Financial Services San Miguel / Financial Services San Nicolas / Financial Services Santa Ana / Financial Services Santa Cruz / Financial Services Santa Mesa / Financial Services Tondo

Financial Services Las Pinas / Financial Services CAA-B.F. International / Financial Services Daniel Fajardo (Poblacion) / Financial Services Elias Aldana (Cutcut) / Financial Services Ilaya / Financial Services Manuyo Uno / Financial Services Manuyo Dos / Financial Services Pamplona Uno / Financial Services Pamplona Tres / Financial Services Pulanglupa Uno / Financial Services Pulanlupa Dos / Financial Services Zapote / Financial Services Almanza Uno / Financial Services Almanza Dos / Financial Services Pamplona Dos / Financial Services Pilar Village / Financial Services Talon Uno / Financial Services Talon Dos / Financial Services Talon Tres / Financial Services Talon Cuatro / Financial Services Talon Singko / Financial Services Pulang Lupa Dos

Financial Services Makati / Financial Services Bangkal / Financial Services Bel-Air / Financial Services Carmona / Financial Services Cembo / Financial Services Comembo / Financial Services Dasmarinas / Financial Services East Rembo / Financial Services Forbes Park / Financial Services Guadalupe Nuevo / Financial Services Guadalupe Viejo / Financial Services Kasilawan / Financial Services La Paz / Financial Services Magallanes / Financial Services Olympia / Financial Services Palanan / Financial Services Pembo / Financial Services Pinagkaisahan / Financial Services Pio del Pilar / Financial Services Pitogo / Financial Services Poblacion / Financial Services Rizal / Financial Services San Antonio / Financial Services San Isidro / Financial Services San Lorenzo / Financial Services Santa Cruz / Financial Services Singkamas / Financial Services South Cembo / Financial Services Tejeros / Financial Services Urdaneta / Financial Services Valenzuela / Financial Services West Rembo

Financial Services Mandaluyong / Financial Services Bagong Silang / Financial Services Barangka Drive / Financial Services Barangka Ibaba / Financial Services Barangka Ilaya / Financial Services Barangka Itaas / Financial Services Buayang Bato / Financial Services Burol / Financial Services Daang Bakal / Financial Services Hagdan Bato Itaas / Financial Services Hagdan Bato Libis / Financial Services Harapin Ang Bukas / Financial Services Highway Hills / Financial Services Hulo / Financial Services Mabini-J. Rizal / Financial Services Malamig / Financial Services Mauway / Financial Services Namayan / Financial Services New Zaniga / Financial Services Old Zaniga / Financial Services Pag-Asa / Financial Services Plainview / Financial Services Pleasant Hills / Financial Services Poblacion / Financial Services San Jose / Financial Services Vergara / Financial Services Wack-Wack Greenhills

Financial Services Marikina / District 1 : Financial Services Barangka / Financial Services Calumpang / Financial Services Industrial Valley / Financial Services Jesus Dela Pena / Financial Services San Roque / Financial Services Santa Elena / Financial Services Santo Nino / Financial Services Tanong District 2 : Financial Services Concepcion Uno / Financial Services Concepcion Dos / Financial Services Fortune / Financial Services Malanday / Financial Services Marikina Heights / Financial Services Nangka / Financial Services Parang / Financial Services Tumana

Financial Services Muntinlupa / District 1 : Financial Services Bayanan / Financial Services Poblacion / Financial Services Putatan / Financial Services Tunasan
District 2 : Financial Services Alabang / Financial Services Buli / Financial Services Cupang / Financial Services Ayala Alabang / Financial Services Sucat

Financial Services Paranaque / District 1 Financial Services Baclaran / Financial Services Don Galo / Financial Services La Huerta / Financial Services San Dionisio / Financial Services San Isidro / Financial Services Sto. Nino / Financial Services Tambo / Financial Services Vitalez District 2 Financial Services BF Homes / Financial Services Don Bosco / Financial Services Marcelo Green / Financial Services Merville / Financial Services Moonwalk / Financial Services San Antonio / Financial Services San Martin de Porres / Financial Services Sun Valley

Financial Services Pasay / Financial Services Batao / Financial Services Bay City / Financial Services Cabrera / Financial Services Cuyegkeng / Financial Services Don Carlos Village / Financial Services Edang / Financial Services FB Harisson / Financial Services Kalayaan / Financial Services Leveriza / Financial Services Libertad / Financial Services Malibay / Financial Services Manila Bay Reclamation / Financial Services Maricaban / Financial Services M Dela Cruz / Financial Services Newport City / Financial Services Nichols / Financial Services Padre Burgos / Financial Services Pasay Rotonda / Financial Services Pildera 1 / Financial Services Pildera 2 / Financial Services Rivera Village / Financial Services San Pablo / Financial Services San Isidro / Financial Services San Jose / Financial Services San Rafael / Financial Services San Roque / Financial Services Santa Clara / Financial Services Santo Nino / Financial Services Tramo / Financial Services Tripa de Gallina / Financial Services Ventanilla / Financial Services Villamor Air Base

Financial Services Pasig / Financial Services Bagong Ilog / Financial Services Bagong Katipunan / Financial Services Bambang / Financial Services Buting / Financial Services Caniogan / Financial Services Dela Paza / Financial Services Kalawaan / Financial Services Kapasigan / Financial Services Kapitolyo / Financial Services Malinao / Financial Services Manggahan / Financial Services Maybunga / Financial Services Oranbo / Financial Services Palatiw / Financial Services Pinagbuhatan / Financial Services Pineda / Financial Services Rosario / Financial Services Sagad / Financial Services San Antonio / Financial Services San Joaquin / Financial Services San Jose / Financial Services San Miguel / Financial Services San Nicolas / Financial Services Santa Cruz / Financial Services Santa Lucia / Financial Services Santa Rosa / Financial Services Santo Tomas / Financial Services Santolan / Financial Services Sumilang / Financial Services Ugong

Financial Services Quezon City / Financial Services Commonwealth / Financial Services Tandang Sora / Financial Services Loyola Heights / Financial Services Cubao / Financial Services Bagumbayan / Financial Services Timog Scout Area / Financial Services Novaliches / Financial Services New Manila / Financial Services Santa Mesa Heights / Financial Services San Francisco del Monte / Financial Services Galas Santol / Financial Services La Loma / Financial Services Ugong Norte

Financial Services San Juan / Financial Services Addition Hills / Financial Services Balong-Bato / Financial Services Batis / Financial Services Corazon De Jesus / Financial Services Ermitano / Financial Services Greenhills / Financial Services Halo-halo (St. Joseph) / Financial Services Isabelita / Financial Services Kabayanan / Financial Services Little Baguio / Financial Services Maytunas / Financial Services Onse / Financial Services Pasadena / Financial Services Pedro Cruz / Financial Services Progreso / Financial Services Rivera / Financial Services Salapan / Financial Services San Perfecto / Financial Services Santa Lucia / Financial Services Tibagan / Financial Services West Crame

Financial Services Taguig / District 1 : Financial Services Bagumbayan / Financial Services Bambang / Financial Services Calzada / Financial Services Hagonoy / Financial Services Ibayo Tipas / Financial Services Ligid Tipas / Financial Services Lower Bicutan / Financial Services New Lower Bicutan / Financial Services Napindan / Financial Services Palingon / Financial Services San Miguel / Financial Services Santa Ana / Financial Services Tuktukan / Financial Services Ususan / Financial Services Wawa

District 2 : Financial Services Central Bicutan / Financial Services Central Signal Village / Financial Services Fort Bonifacio / Financial Services Katuparan / Financial Services Maharlika Village / Financial Services North Daang Hari / Financial Services North Signal Village / Financial Services Pinagsama / Financial Services South Daang Hari / Financial Services South Signal Village / Financial Services Tanyag / Financial Services Upper Bicutan / Financial Services Western Bicutan

Financial Services Pateros / Financial Services Aguho / Financial Services Magtanggol / Financial Services Martires Del 96 / Financial Services Poblacion / Financial Services San Pedro / Financial Services San Roque / Financial Services Sta. Ana / Financial Services Sto. Rosario Kanluran / Financial Services Sto. Rosario Silangan / Financial Services Tabacalera

Personal financial planning process
The key component of personal finance is financial planning, which is a dynamic process that requires regular monitoring and reevaluation. In general, it involves five steps:

Assessment: A person's financial situation is assessed by compiling simplified versions of financial statements including balance sheets and income statements. A personal balance sheet lists the values of personal assets (e.g., car, house, clothes, stocks, bank account), along with personal liabilities (e.g., credit card debt, bank loan, mortgage). A personal income statement lists personal income and expenses.

Goal setting: Having multiple goals is common, including a mix of short- and long-term goals. For example, a long-term goal would be to "retire at age 65 with a personal net worth of P10,000,000," while a short-term goal would be to "save up for a new computer in the next month." Setting financial goals helps to direct financial planning. Goal setting is done with an objective to meet specific financial requirements.

Plan creation: The financial plan details how to accomplish the goals. It could include, for example, reducing unnecessary expenses, increasing the employment income, or investing in the stock market.

Execution: Execution of a financial plan often requires discipline and perseverance. Many people obtain assistance from professionals such as accountants, financial planners, investment advisers, and lawyers.

Monitoring and reassessment: As time passes, the financial plan is monitored for possible adjustments or reassessments.

Typical goals that most adults and young adults have are paying off credit card/student loan/housing/car loan debt, investing for retirement, investing for college costs for children, paying medical expenses.

Be an Axa Online Financial Advisor / Digital Financial Consultant Today!

Learn and be an educator / financial planner of insurance and annuities, life insurance, retirement insurance, health insurance, and property insurance and casualty insurance.

SECURE MY FUTURE: ENTREPRENEURSHIP PROGRAM

You may send your letter of request with the following details.

Subject: Axa Entrepreneurship Program
Your Complete Name: (Lastname, Firstname, Middlename)
Your Profession/Designation:
Your Company Name:
Your Location:
Your Email address:
Your Cellphone:
Your Special Request:

Email:
Facebook: www.fb.com/iSecureMyFuture

Loans Philippines

In finance, a loan is the lending of money from one individual, organization or entity to another individual, organization or entity. A loan is a debt provided by an entity (organization or individual) to another entity at an interest rate, and evidenced by a promissory note which specifies, among other things, the principal amount of money borrowed, the interest rate the lender is charging, and date of repayment. A loan entails the reallocation of the subject asset(s) for a period of time, between the lender and the borrower.

In a loan, the borrower initially receives or borrows an amount of money, called the principal, from the lender, and is obligated to pay back or repay an equal amount of money to the lender at a later time.

The loan is generally provided at a cost, referred to as interest on the debt, which provides an incentive for the lender to engage in the loan. In a legal loan, each of these obligations and restrictions is enforced by contract, which can also place the borrower under additional restrictions known as loan covenants. Although this article focuses on monetary loans, in practice any material object might be lent.

Acting as a provider of loans is one of the principal tasks for financial institutions such as banks and credit card companies. For other institutions, issuing of debt contracts such as bonds is a typical source of funding.

A secured loan is a loan in which the borrower pledges some asset (e.g. a car or property) as collateral.

A mortgage loan is a very common type of loan, used by many individuals to purchase things. In this arrangement, the money is used to purchase the property. The financial institution, however, is given security – a lien on the title to the house – until the mortgage is paid off in full. If the borrower defaults on the loan, the bank would have the legal right to repossess the house and sell it, to recover sums owing to it.

In some instances, a loan taken out to purchase a new or used car may be secured by the car, in much the same way as a mortgage is secured by housing. The duration of the loan period is considerably shorter – often corresponding to the useful life of the car. There are two types of auto loans, direct and indirect. A direct auto loan is where a bank gives the loan directly to a consumer. An indirect auto loan is where a car dealership acts as an intermediary between the bank or financial institution and the consumer.

Unsecured loans are monetary loans that are not secured against the borrower's assets. These may be available from financial institutions under many different guises or marketing packages:

credit card debt
personal loans
bank overdrafts
credit facilities or lines of credit
corporate bonds (may be secured or unsecured)
peer-to-peer lending
The interest rates applicable to these different forms may vary depending on the lender and the borrower. These may or may not be regulated by law. In the United Kingdom, when applied to individuals, these may come under the Consumer Credit Act 1974.

Interest rates on unsecured loans are nearly always higher than for secured loans, because an unsecured lender's options for recourse against the borrower in the event of default are severely limited. An unsecured lender must sue the borrower, obtain a money judgment for breach of contract, and then pursue execution of the judgment against the borrower's unencumbered assets (that is, the ones not already pledged to secured lenders). In insolvency proceedings, secured lenders traditionally have priority over unsecured lenders when a court divides up the borrower's assets. Thus, a higher interest rate reflects the additional risk that in the event of insolvency, the debt may be uncollectible.

We love to hear from you!
If you have any inquiries, comments or suggestions, or even concerns, thru the following contact information and we will attend to your matters as soon as we can.

Bro. Oliver Bugarin, Online Financial Advisor
for Life/Variable Investment / Non-Life
Loan Consultant

LL+: 632+994-1722
Home-Office: 632+519-1719
SMART: 63-919-3613431

In-case you encounter problems or delays in your call/text message due to several reasons.
Please send a message thru an Email or FaceBook
You deserve a great service and that's what we ensure!

Email / Skype:
Facebook: www.fb.com/iSecureMyFuture

More Axa Philippines Online Financial Advisors

Financial Services

Secure My Future: Free Financial Education

Client Feedback: Thank you for the fast and reliable transaction! SUPER AYOS DEAL. HIGHLY RECOMMENDED
Looking forward to doing business with you again. More power to the team!

Health
Reduce your financial vulnerability to sickness by preparing early for the unexpected.

THE COST OF GETTING SICK

It’s dangerous to assume you won’t ever get sick and lack of preparation aggravates the cost of treatment. If you didn’t plan for it, you‘ll end up using your life’s savings or borrowing money. A health plan ensures you are financially prepared for your medical needs, so you can better focus on your recovery without hurting your family’s finances.

Be a Licensed Financial Advisor with our Team Today!
Doctors and surgeons fee and medical procedures will continue to be costly year after year.
But we will only get well if we seek proper & quality treatment.
The question now is... Can you really afford it?
Allow us to teach you how then you can Pay It Forward.
Be a Healthcare Consultant with AXA.
Partner & Grow with us now.

Be a Licensed Financial Advisor with our Team Today!
Financial advisers provide clients with specialist advice on how to manage their money. The role involves researching the marketplace and recommending the most appropriate products and services available.
Partner & Grow with us now.

Be a Licensed Financial Advisor with our Team Today!
Financial advisors whose job is to help their clients plan for their short and long-term financial goals. These goals may include retirement and education. A financial advisor may provide investment, tax and insurance advice.
Partner & Grow with us now.