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It's sweldo day! Make sure to pay yourself first! 🤗💖

"Paying yourself first" means allocating a portion of your income for personal savings or investment before using it for other expenses. 🌿

This ensures that you are prioritizing your future goals, rather than spending all your income and saving whatever is left (which often leads to little to no savings).

ctto Finbytes

Be a Financial Advisor of AXA Philippines!!

🚩 Assess the financial needs of individuals through Financial Needs Analysis tool to
help them with decisions in addressing their basic financial needs.
🚩Designs financial advice to address client's short term and long term goals.
🚩Assist client's financial needs progress yearly.

What's in it for you?
🏆World Class Training
🏆Professional Growth
🏆Limitless income
🏆Variable Bonuses
🏆HMO Benefit
🏆Group Life Insurance Benefit
🏆All expense paid foreign and domestic travel incentives

DM me to explore more!

Preparation for any possibility is better than having to deal with unexpected health setbacks – especially when family is involved.

Protect your family from uncertainties with AXA Health Start Family and get critical illness coverage for top critical illnesses like cancer and heart attack.

Get a quote for you and your loved one.

Book your appointment for free consultation.

Happy Valentine’s Day! Tag the one whose heart is under your care in the comments section below. To make sure that both your hearts’ future is protected, talk to your trusted financial advisor for the right game plan. ❤️❤️❤️

"Taking an opportunity is stepping closer towards success."

You could be the one we are looking for.
Take this next big milestone in your career as a financial servicing professional.

Hiring:
👨‍💼Financial Advisors
👨‍💼Unit Heads

What's in it for you?
✅Limitless income (You earn what you work for)
✅Local and Foreign Trip Incentives
✅ Gadget perx
✅Quarterly Bonuses
✅Motivating workplace
✅ High regards for performance
✅Efforts duly recognized and compensated

For Unit Heads
✅ 30,000- 50,000- Starting allowance
✅Quarterly Bonus -25% to 50% Every 3 months
✅Travel FREE incentives Local and International
✅Rewards & Recognitions
✅MILLION DOLLAR MENTORS

Join our team！

Message us 📩 and send your resume to signify your interest:
email: [email protected]

Protect your family's future with AXA Health Max. It provides up to a PHP 10 million cash benefit for you and your loved ones when you're diagnosed with critical illness or in case of untimely demise. Get a cash benefit for your family with healthmax .

Message me now for FREE QUOTATION.

You get life insurance not only because you fear that you will no longer be able to provide for your family if something unfortunate were to happen to you.

You get life insurance because you love your family that much that you do not want to stop providing for them no matter what.

You get life insurance not only because you fear that you will no longer be able to send your kids to college if you are no longer around.

You get life insurance because you love your kids that much that you do not want them to not go to college even if you are taken out of the picture.

You get life insurance not only because you fear your family's assets and savings will be wiped out if you a critical illness strikes.

You get life insurance because you love your family that much that you do not want them to suffer and downgrade their lifestyle only because of a critical illness.

You get life insurance not only because you fear you cannot be able to give back to your parents if something bad happens to you.

You get life insurance because you love your parents that much that you want to be able to give back to them for all their support and love for you.

Yes, fear can drive you to get an insurance, but there is a much bigger motivation for you to get yourself insured - LOVE, love for yourself, love for your parents, love for your kids and love for your family.

It's easy to get caught up in the pursuit of positions and titles. We often think that these things will bring us lasting happiness and satisfaction. But the truth is, they're only temporary. Positions and titles are limited. They'll eventually come to an end. But the way you treat people - that's something that will always be remembered.

You can make a lasting impression on others by always treating them with respect and kindness. These are the things that really matter in life. They're the things that will make you truly happy and successful. So don't get too caught up in chasing after positions and titles. Focus on making a positive difference in the lives of those around you.

If you don't have insurance that covers critical illness, accident and disability, message me so we can check out your options. It's not expensive as you may think.

Axa Naga branch Office blessing

Consider this 🤗

• Turning P3,000 into P3,009.50 is called a BANK.
• Turning P3,000 into P3,300 is called an INVESTMENT.
• Turning P3,000 into Php 2,000,000 is called an INSURANCE.

Good thing you can be insured while investing.

A person, no matter how capable he is in his lifetime, cannot avoid two things — sickness and death.

When a person is bedridden:
1. A gift of Php 2,000 could be from FRIENDS.
2. A gift of Php 20,000 could be from RELATIVES.
3. A gift of Php 1,000,000 OR MORE could be from LIFE INSURANCE.

VUL plan will back you up! Learn more about it by talking with me as your Trusted Financial Advisor 💙💙💙😊😊

Thinking of getting insurance? Let me know which one you’re interested in. ❤️

If you think you don't have the resources to pay for hospital bills and doctor's fees, you are not alone.

Approximately eighty-four percent (84%) of Filipinos are reportedly unprepared for medical costs in case they are diagnosed with life-threatening illnesses.

Getting the right policy can help you prepare for critical illness and build funds for other future needs.

Ask your trusted Financial Advisor now!

Be INSURED now!!

Many people assume that life insurance is only for married couples and families. While it's true that not all single people need life insurance, there are a number of reasons to still consider it if you’re solo

𝐇𝐈𝐑𝐈𝐍𝐆!
FULL-TIME / PART-TIME FINANCIAL ADVISOR

JOB TITLE :
𝙇𝙄𝘾𝙀𝙉𝙎𝙀𝘿 𝙁𝙄𝙉𝘼𝙉𝘾𝙄𝘼𝙇 𝘼𝘿𝙑𝙄𝙎𝙊𝙍 🙋‍♂️

💸 Unlimited Income
✅ Monthly Bonus
✈️ Free Travel Local and International
🚑 HMO
⌚ Flexible Time
👍 many more..

Qualifications:

• 23-40 years old
• Preferably college level or vocational
• with atleast 1yr work experience
• with laptop/pc or tablet and stable wifi connection

𝙅𝙤𝙞𝙣 𝙤𝙪𝙧 𝙜𝙧𝙤𝙬𝙞𝙣𝙜 𝙩𝙚𝙖𝙢.
PM IS THE 🔑 to set an appointment.

WE ARE WAITING FOR YOU. 🫵

Be insured now.

Being a responsible adult means being prepared for health uncertainties. Protect yourself with an AXA Health Start Lite plan. Premiums start at just ₱535 a month. Avail of this health plan in the comfort of your home.

Know more about the plan.
Message me now

Start funding your dream and make it a reality! 💸

Retirement plan is designed to take care of your post-retirement days and help you lead a stress-free life.

Although you may not think about retirement savings while you’re in your 20s and your 30s, it’s essential that you start building one up as early as possible.

No one prepares for a retirement during retirement days. Do it as soon as possible!

Get quote today. Send us a message.

In a sea of decisions, there’s one that’s easy: getting life insurance. It’s affordable and protects your family financially. Help us share its importance all September long!

Happy Tuesday 💛

WHY YOU SHOULD BUY LIFE INSURANCE ?? Some few reasons I encountered when presenting life insurance to a client.
"Hindi ko pa kailangan."
"Sa susunod na lang."
"Sabihan kita pag may time na ako."
" Sobrang healthy ko pa naman."
When critical illness strikes, you can't say "next time" or "come again another day" or "I'm not ready yet" to it.
Cancer, stroke, and heart disease don't say, "Tao po?" or ring your doorbell. They just walk right in and take EVERYTHING from you little by little.
Protect yourself and your family NOW by setting aside a small amount to SAVE MILLIONS FOR YOUR HEALTH NEED.
Please PM me, nothing to lose,
compare with the others in the market,
No commitments at all!
Our unique health products can do it for you.




Sources on infographic: WHO Global Conference Philippines

Here in AXA Philippines, you can now start your plan with the following benefits:

✅ SAVINGS and INVESTMENTS
✅ 70% Start Up BONUS (1st Annual Premium)
✅ Guaranteed LIFE INSURANCE benefit
✅ ACCIDENT Insurance
✅ Waiver of premium (when disability happens)
YES, you read it right. FIVE benefits in ONE POLICY

With MyLifeChoice, you can personalize your plan to fit your priorities—whether it’s your health needs, your child’s education, your family’s financial protection, or your life goal.
Start designing the future you want!.

Message me for FREE QUOTATION

Merla Cheng
Licensed Financial Advisor
AXA PHILIPPINES

✋ Retire when you want!

💸 Set aside a small amount of your income and let it work for your future fund.

💡 With the AXA Solution called Retire Smart,

🎯 Choose your own target date fund when you'd like to withdraw,

💵 Top-up when you have extra cash to grow your investment faster and get your money earlier

☔ Get minimum coverage for maximum investment at the start of the plan

📈 Life insurance coverage grows as the account value grows

🏦 Allow our expert Metrobank fund managers to make decisions on how to best diversify your investment for greater returns

💰 Enjoy 5% more investible cap space for units vs. other regular-pay products

🌈 Take advantage of the unique strategy that invests aggressively for higher returns at the start of fund,

🔐 Then protects what it has grown into upon nearing retirement target date to protect the gains.

⏰ So whether in 10, 15, or 20 years, you'd like to

🚚 Open up your own business, or

🏠 Purchase your dream home, or

🌎 Just travel the world...

✅ Know You Can!

Is critical illness coverage necessary? But you already have HMO coverage from your company- do you still need critical illness coverage? Check out the numbers to answer that!

Protect yourself and your family from future health-related financial emergencies. Talk to an AXA Financial Advisor today to know your options.

Send me a message NOW

Sharing my side hustle here and our Upcoming Events:

WHAT: -- AXA Discovery Day (ADD)
WHEN: JULY 16, 2022 @ 1:30 PM
WHERE: AXA PHILS NAGA CITY OFFICE, 3rd Flr , The Rad Bldg.

Be an AXA FINANCIAL ADVISOR and have the following benefits;
= Unlimited Income Potential :
As much as P30,000 -P100,000 per month, or more!
= HMO Coverage
= Free Life Insurance Coverage
= Quarterly Bonuses (120k or more! )
= Travel Incentives
= Referral Incentives
= Free Extensive Training = Performance Bonuses
Here are the QUALIFICATIONS:
✔️ College Graduate of any course or atleast college level (With sales background)
✔️ Excellent communication skills and Sales Background
✔️ Driven, Coachable and has Positive Work Mindset
✔️ Growth-Oriented and has a Strong sense of Commitment
✔️ Stable Internet connection
Join us now!

Register here:

https://www.cognitoforms.com/AXAPhilippines25/livegrandaxadiscoverydayschedules

Referrer Name/ Code: Merla Cheng/36529
Referrer’s email address: [email protected]
Unit Head : Joie everette Briones/

LIVE Grand AXA Discovery Day Schedules

Acquiring a critical illness insurance policy assures people that when life threatening diseases strikes, they can focus on recovery which is most important.
For those who are looking for comprehensive health coverage, AXA HEALTHMAX covers 56 major critical illnesses and 18 minor critical illnesses including (cancer ,stroke ,heart attack) AXA HEALTHMAX also serves as life insurance and offers protection up to age 100.
Prepare for the Unexpected.
Message me now.

REPOSTED:
CTTO:

We have generated another tuition fee projection for 7 universities using their Approved Actual Tuition Fee Increase for Academic Year 2017-2018 and Actual Tuition Fees for Academic Year 2017 to 2019. We have gathered the information from CHED’s website as well as from the corresponding websites of the given universities.

With the given projection, we have to understand that these annual tuition fee hikes, like inflation rates, stock indices and other commodities, are not fixed and are always varying. It could be 5% today and it could also reach 12% next year or 18% on the succeeding year depending on the actual situation. It could even increase at a very unsustainable rate. The bottom line is that tuition fees are always on the rise. We should expect that their costs will keep on increasing exponentially and inevitably household incomes may not be able to cope up. Still, regardless if it is 5% or 8% or 12% or 18%, there’s still not much of a difference when it comes to what we must do to make the money available. We have to prepare for this by investing early and investing regularly and at the same time protecting this investment to ensure our kids that whatever happens, the money needed for our kids’ education will be readily available.

And yes, our kids could also be successful and acquire good education from State Universities since under the Republic Act 10931 or Free Tuition Fee Law, State Universities must have free or affordable tuition fees. We have nothing against State Universities as they also provide good education but for instance your good and obedient child dreams and requests to be enrolled in a specific university say one of the universities listed above, what will you do about it? Will you take on a student loan? Will you borrow money from the bank and pay high-yielding interest? Will you borrow money from your relatives? Will you not consider enrolling them to these universities? Or you prepare for it as early now? Will you discount your children’s dreams just because you weren’t able to prepare for it? The decision is yours. Another thing is, we are not 100% sure that the Free Tuition Fee law will still be implemented by the time our kids reach college. What if they are not implemented anymore? Still, for now, we are very much thankful for State Universities for providing good education for many of our countrymen.

Again, the table included in this post do not intend to scare or frighten our fellow Filipinos. This table intends to let us see the bigger picture and to prepare on what may come in the years to come. Regardless if it’s 5% increase or 10% or 15%, it does not change the fact that you want to give your child the best education in the university they want to be enrolled at. We cannot always hope that the tuition fees will not increase or hope that it will increase for about 1% only. No, it is not under our control. What we could control is how we should see it and react about it. What we do now and how do we do it will be a big factor and will surely matter in the future.

You do not need heroes or other people or even financial consultants to motivate you on preparing for your kids’ future. Your child’s smile should be enough for you to get motivated.

Again, planning and preparation is the key if we want the money for our child’s education to be available by the time they reach college. Start saving and investing now and secure that investment.

God bless us all! We are praying for your good cause.

P.S. Values stated herewith are mere projections only and are all estimated figures. We do not desire and intend to compute the exact values since tuition fee increase could vary from time to time. This will serve only as a guideline and are all ballpark figures only. Also, these computations only show projection for Tuition Fees. Other necessary items which is affected by inflation rate (which is another thing to consider) such as notebooks, school supplies, uniforms, allowance, etc. are still not included. Also, for your information, we have used instead the Regional Tuition Fee Increase for Mapua, Silliman and San Beda. We also have not nothing against the universities included herewith. We, like most parents, also desire, dream, intend and prepare to enroll our future kids in one of these top and most prestigious universities.

If we cannot set aside Php100 a day for an insurance policy, how can we afford to pay expenses worth Php1 million up to Php2 million in a hospital in case critical illness hits you? 😷

The benefit of getting health insurance always outweighs the cost!

Be insured now. Message me for free quotation