Monday, August 31, 2009
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“Since I Love My Family Very Much, How Much Coverage Should I Have In My Life Insurance Policy?” By: Noel B. Albano
“Since I Love My Family Very Much,
How Much Coverage Should I Have In My Life Insurance Policy?”
By: Noel B. Albano
As a parent, how much life insurance coverage should you have in your policy?
Let’s face it, being the primary breadwinner (who is willing to sacrifice in an uncertain foreign environment), you are concerned how you would be able to STILL PROVIDE for your family, in case (God forbid!), you leave this earth sooner.
You will definitely agree that YOUR life is VALUABLE because it is what allows you to work and earn an income to provide for your BELOVED family. If you leave this earth sooner, your absence will create an income gap which could put your spouse and/or children in financial trouble, if the unfortunate does happen.
A quick and general method of estimating your life insurance coverage would be to take your current annual salary, and multiply that number by the difference between age 75 and your current age. For example, a 45-year old Chief Engineer earning a USD5,000 monthly salary would need PHP86,400,000 in life insurance coverage (USD5,000 x 12 months = USD60,000 x 30 years = USD1,800,000, or approximately PHP86,400,000).
If you are worried about the premium cost, term life insurance is the CHEAPEST, most affordable way to protect your family’s financial future, since it has the LOWEST premiums than other insurance options. Indeed, you will definitely be SURPRISED how low the premiums really are!
To get your FREE CONSULTATION and FREE CUSTOMISED PROPOSAL, you may contact Manulife Philippines’ licensed Branch Head, Mr. Noel B. Albano, at mobile number (+63) 917-600-1150, or through his email address at noel_albano@manulife.com. Since protecting your family is an urgent and confidential matter, you may speed up the process by sending through email, your: 1) Complete Name; 2) Complete Birth Date (month, day, year); 3) Gender; 4) Annual Salary; 4) Officer or Non-Officer Level; and 5) International or Domestic Routes. You may expect to receive your customized proposal, within 24 hours from receipt of your email.
(Note: Manulife Philippines is a wholly-owned subsidiary of Manulife Financial Corporation, the #1 financial services group in Canada, with funds under management of USD330Billion as of December 31, 2008.
The opinions expressed in this article are his own.)
How Much Coverage Should I Have In My Life Insurance Policy?”
By: Noel B. Albano
As a parent, how much life insurance coverage should you have in your policy?
Let’s face it, being the primary breadwinner (who is willing to sacrifice in an uncertain foreign environment), you are concerned how you would be able to STILL PROVIDE for your family, in case (God forbid!), you leave this earth sooner.
You will definitely agree that YOUR life is VALUABLE because it is what allows you to work and earn an income to provide for your BELOVED family. If you leave this earth sooner, your absence will create an income gap which could put your spouse and/or children in financial trouble, if the unfortunate does happen.
A quick and general method of estimating your life insurance coverage would be to take your current annual salary, and multiply that number by the difference between age 75 and your current age. For example, a 45-year old Chief Engineer earning a USD5,000 monthly salary would need PHP86,400,000 in life insurance coverage (USD5,000 x 12 months = USD60,000 x 30 years = USD1,800,000, or approximately PHP86,400,000).
If you are worried about the premium cost, term life insurance is the CHEAPEST, most affordable way to protect your family’s financial future, since it has the LOWEST premiums than other insurance options. Indeed, you will definitely be SURPRISED how low the premiums really are!
To get your FREE CONSULTATION and FREE CUSTOMISED PROPOSAL, you may contact Manulife Philippines’ licensed Branch Head, Mr. Noel B. Albano, at mobile number (+63) 917-600-1150, or through his email address at noel_albano@manulife.com. Since protecting your family is an urgent and confidential matter, you may speed up the process by sending through email, your: 1) Complete Name; 2) Complete Birth Date (month, day, year); 3) Gender; 4) Annual Salary; 4) Officer or Non-Officer Level; and 5) International or Domestic Routes. You may expect to receive your customized proposal, within 24 hours from receipt of your email.
(Note: Manulife Philippines is a wholly-owned subsidiary of Manulife Financial Corporation, the #1 financial services group in Canada, with funds under management of USD330Billion as of December 31, 2008.
The opinions expressed in this article are his own.)
Resume Writing Service
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Resume writing service available for PHP2,000.00
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Resume writing service available for PHP2,000.00
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Monday, August 24, 2009
Noel Albano Resume
Mobile: (63)9176001150
E-mail: tradespeed@gmail.com
Noel Balangue Albano
Objective
A senior-level management position in a multinational organization that requires my competence in strategy design and business development; willing to be assigned to any country.
Skills Summary
Experienced senior-level executive with a proven track record of attaining company objectives and financial targets. Proficient at strategy design and execution, organizational development, business development, and project management. Management competencies include Change Leadership, Turnaround Management, Team Building, and the selection of A-level players.
Relevant Work Experience
General Manager – International (Sept 2007 – Jan 2009)
Director & Designated Bank Signatory (May 2008 – Jan 2009)
Prime Manpower Resources Development, Inc. (a Manpower (NYSE: MAN) affiliate)
• Represented the Philippines as a Subject Matter Expert for Program Atlas, a cross-border recruitment initiative.
• Reorganized the team to enhance its capabilities in handling high-volume requirements from overseas clients, especially in the Middle East.
• Developed new and existing client bases in Dubai, Abu Dhabi and Libya, and Singapore.
• Tasked to deliver USD1.5 Million in revenues for 2008, by deploying 2,000 workers overseas.
• Managed a high-profile project that was supposed to deploy 200 Filipino workers and professionals for a Dubai-based group of companies within one month.
Vice President / General Manager (July 2005 to Sept 2007)
UltimateSkills Philippines, Inc. (formerly Quantum Recruitment Dynamics, Inc.)
• Created a talent database of 10,000+ skilled workers for Australia within a three-month period, with a highly-productive manpower complement of three regular employees; applied lean six-sigma principles to achieve these results.
• Deployed 13 goat butchers (with salary of AUD40,000/annum) within 8 working days—the fastest ever deployment to Australia.
Senior Marketing Officer – Goodwill Branch (Feb 2005 – June 2005)
Prudentialife Market Resource Corporation (PMRC)
• Set up a highly-productive sales force that eventually produced PHP 16 Million in monthly sales within 6 months.
Regional Sales Manager – Pasig Sales Office (June 2004 – Jan 2005)
Pacific Plans, Inc. / Lifetime Plans, Inc.
• Increased sales from PHP 4 Million (May 2004) to PHP 22 Million (August 2004) in 3 months by mentoring and increasing sales productivity of high-potential sales agents.
• Led a team of 230+ sales agents.
• Won the “Rookie of the Conference” and “Guru of the Conference” awards in the Regional Managers Conference in July 2004.
Area Sales Manager for Laguna-Batangas and Cavite-Manila South (March 2003 – Jan 2004)
DHL Worldwide Express (Phils.) Corp.
• Produced EUR 2.5 Million in annual sales of Worldwide Document Express (DOX) and Worldwide Package Express (WPX).
• Led a group of 7 Field Sales Executives and helped them increase Revenue per Day (RPD), Shipment per Day (SPD) and Kilos per Shipment (KPS).
District Sales Manager (Nov 2000 – Sept 2002)
Airfreight2100, Inc. / FedEx Express
• Increased district sales from USD 120,000/month (May 2002) to USD 800,000/month (October 2002) in less than 10 months in the Laguna and Batangas areas, in a recessionary business environment.
• Increased district sales from USD 125,000/month to USD 550,000/month in less than 10 months in Northern and Central Luzon, in a recessionary business environment while other sales districts in the Philippines experienced an average decline of 20 percent in revenues.
• Awarded Best District Sales Manager in the Philippines for Fiscal Year 01 Q3 and Fiscal Year 02 Q2. Was a top candidate for Best District Sales Manager for Fiscal Year 02 Award.
• Gave recommendations to clients for streamlining their supply chains and increasing market responsiveness. Convinced several clients to convert from seafreight to airfreight to increase competitiveness by decreasing lead times and inventory carrying costs.
Account Manager (July 2000 – Aug 2000)
Bridge Information Systems, (Phils.) Inc.
Chief Trader and Corporate Secretary (Sept 1999 – May 2000)
Treasure Asset Management, Inc.
Assistant Vice President for Private Clients (June 1998 – July 1999)
Securities2000, Inc.
Agency Manager-Trainee, (February 1998 – May 1998)
Prumerica Life Insurance (Phils.), Inc.
Vice President for Sales (Sept 1996 – May 1997)
Vantage Securities Corp.
Account Manager/Technical Analyst (Jan 1994 – Aug 1996)
Abacus Securities Corp.
Account Manager (Nov 1992 – Dec 1993)
Pryce Securities Corp.
Account Manager (July 1992 – Oct 1992)
Connell Securities Corp.
Assistant General Manager (Sept 1991 – June 1992)
Pasay Supermart, Inc.
Legal Assistant (June 1989 – Aug 1991)
Albano Law Office
Education
1985-1989 Ateneo de Manila University Quezon City
• B.S. Business Management.
• Various officer positions held in different school organizations.
Training and Programs Attended
• Professional Directors Program, conducted by the Institute of Corporate Directors.
• www.DiamondCoaching.com 60-documented hours of Coach Specific Training for International Coach Federation (ICF) Associate Certified Coach (ACC) Credentials.
• Best in Class Sales Management Training in Sentosa Resort, Singapore (DHL Worldwide Express Phils. Corp.).
• Training in Supply Chain Management and various technical and management development programs (FedEx Asia Pacific).
Personality Profiles
StrengthsFinder Report: Futuristic, Ideation, Competition, Significance, Individualization
DISC Profile: High D & C
Myers-Briggs Type Indicators: (I)ntroversion, Intuitio(N), (T)hinking, (J)udgment
Personal Details
Birth date: November 1, 1968 Status: Married
Height: 5’9”
Weight: 190 lbs. Nationality: Filipino
Special Licenses: Real Estate Broker (License #8390R), Class “C” Amateur Radio Operator, Student Pilot’s License # 97S20
References
Available upon request.
E-mail: tradespeed@gmail.com
Noel Balangue Albano
Objective
A senior-level management position in a multinational organization that requires my competence in strategy design and business development; willing to be assigned to any country.
Skills Summary
Experienced senior-level executive with a proven track record of attaining company objectives and financial targets. Proficient at strategy design and execution, organizational development, business development, and project management. Management competencies include Change Leadership, Turnaround Management, Team Building, and the selection of A-level players.
Relevant Work Experience
General Manager – International (Sept 2007 – Jan 2009)
Director & Designated Bank Signatory (May 2008 – Jan 2009)
Prime Manpower Resources Development, Inc. (a Manpower (NYSE: MAN) affiliate)
• Represented the Philippines as a Subject Matter Expert for Program Atlas, a cross-border recruitment initiative.
• Reorganized the team to enhance its capabilities in handling high-volume requirements from overseas clients, especially in the Middle East.
• Developed new and existing client bases in Dubai, Abu Dhabi and Libya, and Singapore.
• Tasked to deliver USD1.5 Million in revenues for 2008, by deploying 2,000 workers overseas.
• Managed a high-profile project that was supposed to deploy 200 Filipino workers and professionals for a Dubai-based group of companies within one month.
Vice President / General Manager (July 2005 to Sept 2007)
UltimateSkills Philippines, Inc. (formerly Quantum Recruitment Dynamics, Inc.)
• Created a talent database of 10,000+ skilled workers for Australia within a three-month period, with a highly-productive manpower complement of three regular employees; applied lean six-sigma principles to achieve these results.
• Deployed 13 goat butchers (with salary of AUD40,000/annum) within 8 working days—the fastest ever deployment to Australia.
Senior Marketing Officer – Goodwill Branch (Feb 2005 – June 2005)
Prudentialife Market Resource Corporation (PMRC)
• Set up a highly-productive sales force that eventually produced PHP 16 Million in monthly sales within 6 months.
Regional Sales Manager – Pasig Sales Office (June 2004 – Jan 2005)
Pacific Plans, Inc. / Lifetime Plans, Inc.
• Increased sales from PHP 4 Million (May 2004) to PHP 22 Million (August 2004) in 3 months by mentoring and increasing sales productivity of high-potential sales agents.
• Led a team of 230+ sales agents.
• Won the “Rookie of the Conference” and “Guru of the Conference” awards in the Regional Managers Conference in July 2004.
Area Sales Manager for Laguna-Batangas and Cavite-Manila South (March 2003 – Jan 2004)
DHL Worldwide Express (Phils.) Corp.
• Produced EUR 2.5 Million in annual sales of Worldwide Document Express (DOX) and Worldwide Package Express (WPX).
• Led a group of 7 Field Sales Executives and helped them increase Revenue per Day (RPD), Shipment per Day (SPD) and Kilos per Shipment (KPS).
District Sales Manager (Nov 2000 – Sept 2002)
Airfreight2100, Inc. / FedEx Express
• Increased district sales from USD 120,000/month (May 2002) to USD 800,000/month (October 2002) in less than 10 months in the Laguna and Batangas areas, in a recessionary business environment.
• Increased district sales from USD 125,000/month to USD 550,000/month in less than 10 months in Northern and Central Luzon, in a recessionary business environment while other sales districts in the Philippines experienced an average decline of 20 percent in revenues.
• Awarded Best District Sales Manager in the Philippines for Fiscal Year 01 Q3 and Fiscal Year 02 Q2. Was a top candidate for Best District Sales Manager for Fiscal Year 02 Award.
• Gave recommendations to clients for streamlining their supply chains and increasing market responsiveness. Convinced several clients to convert from seafreight to airfreight to increase competitiveness by decreasing lead times and inventory carrying costs.
Account Manager (July 2000 – Aug 2000)
Bridge Information Systems, (Phils.) Inc.
Chief Trader and Corporate Secretary (Sept 1999 – May 2000)
Treasure Asset Management, Inc.
Assistant Vice President for Private Clients (June 1998 – July 1999)
Securities2000, Inc.
Agency Manager-Trainee, (February 1998 – May 1998)
Prumerica Life Insurance (Phils.), Inc.
Vice President for Sales (Sept 1996 – May 1997)
Vantage Securities Corp.
Account Manager/Technical Analyst (Jan 1994 – Aug 1996)
Abacus Securities Corp.
Account Manager (Nov 1992 – Dec 1993)
Pryce Securities Corp.
Account Manager (July 1992 – Oct 1992)
Connell Securities Corp.
Assistant General Manager (Sept 1991 – June 1992)
Pasay Supermart, Inc.
Legal Assistant (June 1989 – Aug 1991)
Albano Law Office
Education
1985-1989 Ateneo de Manila University Quezon City
• B.S. Business Management.
• Various officer positions held in different school organizations.
Training and Programs Attended
• Professional Directors Program, conducted by the Institute of Corporate Directors.
• www.DiamondCoaching.com 60-documented hours of Coach Specific Training for International Coach Federation (ICF) Associate Certified Coach (ACC) Credentials.
• Best in Class Sales Management Training in Sentosa Resort, Singapore (DHL Worldwide Express Phils. Corp.).
• Training in Supply Chain Management and various technical and management development programs (FedEx Asia Pacific).
Personality Profiles
StrengthsFinder Report: Futuristic, Ideation, Competition, Significance, Individualization
DISC Profile: High D & C
Myers-Briggs Type Indicators: (I)ntroversion, Intuitio(N), (T)hinking, (J)udgment
Personal Details
Birth date: November 1, 1968 Status: Married
Height: 5’9”
Weight: 190 lbs. Nationality: Filipino
Special Licenses: Real Estate Broker (License #8390R), Class “C” Amateur Radio Operator, Student Pilot’s License # 97S20
References
Available upon request.
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