Mark-Up Finances

Company: Jollibee Foods Corporation
Stock Symbol: JFCPA, JFCPB
Offer Price: PHP 1,000
Offer Period: September 28 - October 4

Read the Preliminary Terms and Conditions posted in PSE EDGE under Listings Notices: https://edge.pse.com.ph/openDiscViewer.do?edge_no=3f25495d253c24e75d542af6f1e997b9

Nice graphic by

It's not here but my fave question is
"How long have you been in the company and what made you stay/love your work?"

You'll see them become engaged and they'll attribute that light moment to you 😊

Job interviews are two-way streets. It’s not just the hiring manager or recruiter who should be testing you during the conversation. You must also take this as your chance to understand if the company is the best fit for your career and personality.

Never leave an interview without asking questions to your interviewer. Probe, investigate, and validate the information by asking it from the very source. Observe the body language of your interviewer, too, as he answers your queries.

Here are some helpful questions that can guide you in making the right move. Good luck!

What Causes A Chart Pattern?

What exactly is a chart pattern?

A chart pattern is a visual representation of the actions of buyers and sellers in a market recorded in price action.

A chart is not predictive of the future but shows what is happening with buyers and sellers in the present moment.

The price action on a chart gives a trader signals about the current trend of a market and the path of least resistance.

Bullish chart patterns represent that a market is currently in an uptrend and is usually signaled by a break out of resistance to a higher price.

Bearish chart patterns represent that a market is currently in a down trend and is usually signaled by a breakdown of price below support to a lower price.

A reversal chart pattern shows that a trend may be near its end and could be reversing.

Chart patterns are identified by connecting higher highs and higher lows for up trends or lower lows and lower highs for downtrends to identify trend lines.

The primary tool for identifying a chart pattern is with trend lines.

Different chart patterns identify different types of markets: sideways, uptrend, downtrend, and reversing.

The purpose of using chart patterns in trading is to identify current price action patterns and trade using signals to capitalize on it.

Trading chart patterns is one of the most pure and simple forms of technical analysis and reactive trend trading. Price is your guide and breakouts are your signals. Chart pattern can be used on different timeframes and in all types of market environment. Chart patterns breakdown and become ineffective in volatile markets are when prices reverse back into the previous range. Chart patterns work best in markets that trend strongly after a break out of a range. Chart patterns are price action trading tools.

Sun Life supports the Philippines' largest financial literacy summit set on August 28 and 29!

Get a chance to be part of the most awaited 𝗙𝗥𝗘𝗘 online event filled with exciting talks from a pool of industry leaders and experts like Mr. Benjamin Diokno, Dingdong Dantes, Lyqa Maravilla, Rommel Ng, Dr. Mary Gaw So, and of course International speakers like Rhonda and Benjamin Wong! Haven't signed up yet? Hurry up! It’s only a few days away!

Register at Financial Literacy Summit 2021 and experience a remarkable learning opportunity that you don't want to miss! Register Now: 👉 www.tgfiph.com/finlit2021

Company Name: RL Commercial REIT, Inc.
Stock Symbol: RCR
Offer Price: Php 6.45
Offer Period: August 25 to September 3

Read the Final Terms and Conditions here: https://edge.pse.com.ph/openDiscViewer.do?edge_no=4f35375d0ddd8aba5d542af6f1e997b9

Implementing Guidelines for Local Small Investors (LSIs): https://edge.pse.com.ph/openDiscViewer.do?edge_no=f2cf2e32d5d903bb5d542af6f1e997b9

Yes, financial advisers are drivers of Financial Literacy but this is not about 'Basta F* Adviser, sweet lover."

I've compiled 6 reasons para malaman mong nasa tamang policy ka na.

𝟏. 𝐘𝐨𝐮 𝐥𝐞𝐚𝐫𝐧 𝐭𝐨 𝐩𝐫𝐨𝐭𝐞𝐜𝐭.
Protection and security is the core value of insurance. Nandyan lang siya parati, nakaabang sa oras ng iyong kagipitan (na stipulated sa contract)
👉Nabasa mo ba yung contract mo? Start there. Wag kang manghihingi ng wala sa napag-usapan. Or paexplain mo kay FA.

𝟐. 𝐘𝐨𝐮 𝐥𝐞𝐚𝐫𝐧 𝐭𝐨 𝐬𝐞𝐭 𝐲𝐨𝐮𝐫 𝐠𝐨𝐚𝐥𝐬.
"Mature na 'ko mag-isip dahil SMART ako." Di ito CLOY commercial pero di ka dapat go with the flow at kung san na lang babagsak. Kailangan meron kang Specific, Measurable, Attainable, Realistic, and Timely goals.
👉Alam mo hanggang kailan ka magbabayad kung limited pay.
👉What are non-forfeiture options maliban sa policy surrender?

𝟑. 𝐘𝐨𝐮 𝐯𝐢𝐬𝐮𝐚𝐥𝐢𝐳𝐞 𝐚 𝐟𝐮𝐭𝐮𝐫𝐞 𝐰𝐢𝐭𝐡 𝐭𝐡𝐞𝐦.
Maliban sa second reason, you can enjoy today, and have a planned enjoyable future ahead of you. Kasi protected ka.

👉Insurances give you guaranteed bonuses (Traditional) and Variable ones (VUL) na maari mong magamit partly for retirement. Know how much you expect (in Php or %) and how to be entitled to it.

𝟒. 𝐘𝐨𝐮 𝐥𝐨𝐯𝐞 𝐭𝐡𝐞 𝐥𝐢𝐭𝐭𝐥𝐞 𝐭𝐡𝐢𝐧𝐠𝐬.
Marami nang magpapaligaya sayo maliban sa ngiti nya.
👉Nabasa mo yung 4% illustrative values kaya alam mo kung sustainable policy mo if ever mag premium holiday ka.
👉10% is a legal illustration, but set your expectation using the lower returns.

𝟓. 𝐌𝐚𝐫𝐮𝐧𝐨𝐧𝐠 𝐤𝐚 𝐧𝐚𝐧𝐠 𝐦𝐚𝐠𝐛𝐮𝐝𝐠𝐞𝐭.
Dahil within budget ang insurance policy mo (DAPAT!), magiging money-smart ka dahil may significant portion ng cash influx mo ang napupunta rito. Mahahawa yan at magbabudget ka talaga pramis.
Also, alam mo rin paano nakabudget yung premiums mo
👉 Naexplain sayo yung Charges,
👉 What funds are they invested in?
👉 May fund fact sheet ka ba na makikita mo annualized returns? chart and market performance?

𝟔. 𝐀𝐥𝐚𝐦 𝐦𝐨 𝐚𝐧𝐠 𝐰𝐨𝐫𝐭𝐡 𝐦𝐨.
You've set boundaries as an individual. You know yourself more, alam mo magkano kailangan mo, etc.
👉Kasi prerequisite yan bago ka kumuha ng insurance policy hindi yung na-salestalk ka lang.
👉 Tsaka conservative ka ba? Pero bakit nasa aggressive funds ka nilagay?

Sige, matulog ka na.
Walang claims sa insomnia.

Through HCA, enjoy these benefits!
𝐂𝐨𝐯𝐞𝐫𝐬 𝐂𝐎𝐕𝐈𝐃
✅Prescribed tests (RT-PCR test, etc.)
✅Hospitalization costs
✅Death from Covid
✅Covid Vaccine Complications
𝐇𝐨𝐬𝐩𝐢𝐭𝐚𝐥𝐢𝐳𝐚𝐭𝐢𝐨𝐧
✅ Inpatient services
✅ Outpatient services
✅ Emergency services
𝐃𝐀𝐘 𝟏 𝐁𝐞𝐧𝐞𝐟𝐢𝐭𝐬
✅Annual Physical Exam
✅Dental Care
✅Optical Care
✅24/7 teleconsultation
𝐋𝐢𝐟𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐛𝐞𝐧𝐞𝐟𝐢𝐭𝐬
✅ Life Insurance: 10% of your Annual Benefit
✅ Accident, disability, dismemberment, 56 critical illness riders attachable
✅ Longevity Fund: 50% of your Annual Benefit at age 75 as lumpsum benefit
𝐀𝐃𝐃𝐈𝐓𝐈𝐎𝐍𝐀𝐋 𝐏𝐄𝐑𝐊𝐒
✅ Family plan: Insure your family and get a 10% discount
✅ ABL Booster. increase coverage by 10%

👉Choose between the comprehensive HCA Prime, or the much more affordable HCA Lite to supplement an existing HMO.
👉HCA Lite costs 12k per year for a 25 yo male. 200k deductible

BROCHURES AND MATERIALS
https://bit.ly/AXAHCAmaterials
AXA Health Care Access promotional:
https://www.youtube.com/watch?v=AV5ow02hSSE

Investing was my next scheduled content. But it's ECQ season 3 with tiny bubbles so let's scrap it.

Let's introduce you to some ways to increase your income, and hopefully open you up to opportunities and cope with this situation.

Low Capital Business Ideas | Slide 10
-https://www.jioforme.com/9-business-ideas-to-start-with-less-than-1000-pesos/336274/
-https://www.moneymax.ph/personal-finance/articles/small-business-ideas-philippines
-https://www.pinoybisnes.com/money-making-business-ideas/low-capital-business/

Babangon? Babangon!

Want some extra income?

Be an advocate of financial literacy and security. We are looking for people to secure lives, one person at a time.

Send us your CV/Resume.

GCash to offer crypto trading ‘soon,’ as firm looks for partner GCash, operated by Globe Fintech Innovations Inc. (Mynt), is set to offer cryptocurrency trading services in its platform “soon,” as it said it is now in the process of identifying a partner for the initiative.

LOOK: The Bangko Sentral ng Pilipinas released an updated list of banks with waived PESONet and InstaPay fees as of August 6, 2021. (Facebook/BSP)

Share ko sa inyo 'yung favorite products ko kay AXA. I have 3 pero dito muna tayo sa una - Health Start.

Marami sa atin sa totoo lang ay gustong maging insured kung afford naman. Nagbibigay pa ito ng karagdagang proteksiyon sa ngayong napaka-uncertain ng sitwasyon dahil sa pandemya. Ano na lang sasapitin ng pamilya natin kung may mangyari sa ating masama?

Merong solusyon ang AXA para sa pamilyang nais makapagsimula. Ang 𝗛𝗲𝗮𝗹𝘁𝗵 𝗦𝘁𝗮𝗿𝘁.

(Illustration in the brochure)

✓ for ~𝟮𝗸 𝗽𝗲𝗿 𝗺𝗼𝗻𝘁𝗵 covered na ang 2 tao (mag-asawa/magkapatid/etc.) for 𝟭 𝗠𝗶𝗹𝗹𝗶𝗼𝗻 𝗣𝗲𝘀𝗼𝘀. Premiums and coverage vary from person to person ha.

✓ Actually 3 dahil sa 𝗕𝘂𝗶𝗹𝘁-𝗶𝗻 𝗰𝗵𝗶𝗹𝗱 𝗰𝗼𝘃𝗲𝗿. Pag nadiagnose ang anak ng Critical Condition na nakalista

✓ 𝟭𝟬𝟬% 𝗥𝗲𝘁𝘂𝗿𝗻 𝗼𝗳 𝗽𝗿𝗲𝗺𝗶𝘂𝗺𝘀 sa 75th birthday mo! 𝗕𝗮𝗹𝗶𝗸 𝗽𝗲𝗿𝗮 kung nakuha mo 'to before 54 years old

✓ May increasing cash value pa kung sakaling iterminate mo ang policy mo.

✓ Bilang panimula, this covers CancerS, Strokes, Heart Attacks, at Terminal Illness. Covers also some minor illnesses.

✓ Health Start can also be for an individual, kahit walang co-insured!

Ngayon may tiering ito. Kung afford naman natin ang mas may coverage na Health Max, go. We can still go further at sila ang other 2 faves ko.

2. 𝗟𝗶𝗳𝗲𝗕𝗮𝘀𝗶𝗫 𝗣𝗹𝘂𝘀 - VUL + Whole Life and Health Insurance. OO VUL AND Traditional IN ONE(~4k for an individual)

3. 𝗚𝗹𝗼𝗯𝗮𝗹 𝗛𝗲𝗮𝗹𝘁𝗵 𝗔𝗰𝗰𝗲𝘀𝘀 na mayroong 100M yearly limit at 10M emergency coverage. HMO/ Health Insurance ito.

Saka ko na lang ididiscuss pa itong dalawang ito.

Interesado? Para sayo ba to? PM lang po :)

Financial consultation and helpful tools also here >>>> beacons.page/mjtpadilla

ACEN, Converge to join PSEi on August 16. DMCI and Emperador out.

(Doris Dumlao | Inquirer)

Sharing po sa inyo ang tracker na binuild ko. May sample po and guides to help you use it. Just 𝗠𝗮𝗸𝗲 𝗮 𝗖𝗼𝗽𝘆 kasi nilock ko yung cells. Happy Money Management!

Formulated ang cells nito. Yes 𝗔𝗨𝗧𝗢𝗠𝗔𝗧𝗜𝗖 basta mag input kayo of course.

(𝟭) 𝗕𝘂𝗱𝗴𝗲𝘁𝗶𝗻𝗴/ 𝗘𝘅𝗽𝗲𝗻𝘀𝗲𝘀 𝘃𝘀. 𝗦𝗮𝘃𝗶𝗻𝗴𝘀
- TESDA Personal Finance Module
- remodel the percentage depending on how you want it (default 55:45)
- Actual vs target budget
Concept | 55:45 Budget rule

(𝟮) 𝗟𝗢𝗚
- Log every transaction (again depending on how detailed you want to log your cash flow)
- conditional formatting to highlight gains and loss, also debts
- Search for your account and it'll automatically recategorize
Concept | Diversification and liquid asset management

(𝟯) 𝗢𝘃𝗲𝗿𝘃𝗶𝗲𝘄
- based on your logs, get an overview of ALL of your listed accounts
- Declare a purpose for each account
Concept | Money jars

(𝟰) 𝗟𝗶𝗾𝘂𝗶𝗱 𝗔𝘀𝘀𝗲𝘁𝘀 𝗦𝘂𝗺𝗺𝗮𝗿𝘆
- track cash flow (gains and losses)
- How full are your money jars?
- flexibility on remodeling money jar allocation
Concept | Money jars

(𝟱) 𝗥𝗶𝘀𝗸 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁
- overview of risk tolerance and management
- keywords for investment
Concept | Investment comes after knowing your risk and capabilities

(𝟲) 𝗜𝗡𝗦𝗜𝗚𝗛𝗧𝗦!
- CHARTS CHARTS CHARTS!
- Data visualization

You can use this to learn some excel functions as well :))

https://docs.google.com/spreadsheets/d/1GDpyvBuqDILUPXnNV9J5KEDv5ZvnA7nX6ynxVhGYxDg/edit =620427556

The million dollar question answered.
Ano nga ba ang PROS & CONS ng VUL?

natin yan!

Kumpara sa Term at Traditional Insurance, ang mga RPVUL (Regular Pay) ay mas komplikado dahil sa investment portion nito. Sa pamamagitan nito, nawa'y matulungan kayong maassess kung tama ba ang VUL para sa objectives niyo.

We've all had that moment in front of a diverging path. We have our choices weighed, principles challenged.

To achieve success, here are the inevitable sacrifices we must make.

Why did I group all the positives and negatives per category? For each of those, regardless, molds you to become a better person. We all move forward at our own pace. What only matters is which battles you choose and how focused your vision is on that goal. Success is not linear and easily earned. But it is long-lasting.

What sacrifices are you willing to take?

Whatever your answer is, I'm hoping it's all worth it.

This is my homage to Hidilyn Diaz for grabbing the Philippines' first Olympic gold medal.

Masarap naman talaga magmahalan, 'wag naman sa public!

Inflation overview.
Ano? Saan? Sino? Bakit? Sa Paanong Paraan?

'Pag iniisip kong gusto ko nang maging financially free dati, unang pumapasok sa isip ko'y kailangan ko ng starting pay na more than 30k, invest sa ganito ganiyan, makiuso sa mga "In" na play to earn at iba pang income-generating schemes.

'Di naman mali 'yung mga nauna lalo kung inaral mo, pero may tamang pagkakasunod-sunod pala ano? 'Pag habol ka kasi ng habol sa ganoong estado ng walang tamang daang tinatahak, 'di mo na nalalaman kung saan ka na napapadpad.

Narito ang general steps para sa iyong minimithing financial freedom.

Bilang gist, pano ko malalaman kung ready na ako for more risks?
At least have a
1. Steady cash influx o pasok ng pera
2. Bayaran ang lahat ng utang
3. May ipon

Of course may mga rule reversals to like incurring debt to start a well-studied business. Pero sa ibang usapan na 'yun.

Byahe tayo mga Ka-MU!




'

In Filipino, affixing a ‘-naryo’ at the end of a 6-figure digit (or more) means you’re up for some fortune and goodies. In this blog, I shall introduce you to the basic terminologies in insurance so you can be well-versed while building up your fortune.

https://marcpadillaaxa.wixsite.com/website/post/diksyun-naryo

Diksyun-NARYO! In Filipino, affixing a ‘-naryo’ at the end of a 6-figure digit (or more) means you’re up for some fortune and goodies. In this blog, I shall introduce you to the basic terminologies in insurance so you can be well-versed while building up your fortune. Without further ado, here are the words ...

I envisioned this page where people can freely interact and share stories of their successes from small things like life hacks, money tips, career and interview guides, to grander lessons on wealth management, start-ups successes, investments, and so much more.

I'm excited to share some learnings that would MARK-UP our way of living :)