Here are some of our most frequently asked questions with answers. ( In no particular order )

Do I even need financial help?
You may not, but there is a large percentage of families experiencing financial and credit difficulties or with incomplete
financial plans. They are either self-taught or learned most of what they know about personal finance from their parents,
friends, or by trial and error which is often a costly and damaging way to learn.

If you answer NO to any of the following you may need to improve your financial base.

I have a regular fixed percentage savings program from my income.
I have at least three ( 3 ) months of income set aside.
I have a vacation account that pays for my entire vacation each year.
I have specific accounts that pay my bills, home, auto, tax, and insurance expenses.
I have my basic retirement planning in place.
I have my basic last Will and Medical Directives drawn up.
My credit FICO score is above 740.
My credit balances are 25 percent or less of my available credit limits.

Who is ANG Bond Financial?
ANG Bond Financial has over 25 years of experience in the global financial world and was founded in 1979
as AJI ( AJ International ). Our original focus was on large scale private and corporate loans and credit lines,
development loans, currency transfers and conversions, and venture capital. We have handled customers
worldwide with hundreds of millions of dollars in contracts over the years.

I'm just an average person. Can this really help me?
Obviously the financial world is heavily influenced by large scale corporate funding and credit, but long ago we came
to realize that the true substance of the economy was the large base of lower to upper middle income people. Average
people just like our friends and neighbors. These are the people who usually work two jobs, have auto and home payments,
and are raising children. They require a solid financial structure including good credit. They typically do not have an army of
financial advisors and attorneys like corporate clients. We specifically designed our PFM5 program to address the financial
needs of this average family.

What is the PFM5 program?
PFM stands for Personal Financial Management. This program is designed to help you understand the entire scope
of finance that affects your life not just credit repair or loans and mortgages although it addresses all of those issues.

What does the PFM5 program cover?
Almost anything that affects your finances and therefore the quality of your life. Including such areas as financial and
credit understanding, building and maintaining credit, purchasing homes and autos, loans, credit cards, paying bills,
handling money, saving money, insurances, taxes, Wills, retirement, and final expenses.

How much effort is involved?
Most people spend 15 to 30 minutes several times a week on program study, planning, and restructuring actions.
You must be serious about the quality of your life. You need to know how to handle your own finances. You cannot
sit back and expect someone else to do it all for you unless you are wealthy enough to hire a battery of advisors,
accountants, and attorneys.

What makes the PFM5 program so easy and effective?
The PFM5 Model Program is like baking a cake. There are ingredients ( savings, bill payments, credit, retirement..etc )
that must exist in the proper amounts ( completed and on-time ) and all of these ingredients must be baked at the
proper temperature ( efforts, monitoring, and maintenance ) for a similar result of success to be achieved.

Why is the PFM5 program 4 weeks long?
First, we understand that everyone learns at a different pace especially with busy lives and schedules. We wanted to
provide adequate time for you to learn what was required and for any questions to be asked during the PFM5 process.
Secondly, many financial matters take time. Few people can argue that paperwork, signed forms, and mail often add
weeks to any financial matter.

What is the total cost involved?
There is a one time $79.95 fee. This fee covers all of the program materials and our time and effort hours during the
entire 4 week program period. The only other cost is a $3.95 shipping cost for the original packet of program materials.
Considering the extra 5 days allowed under the shipping provision the total cost is about $2.50 per day.

Is the program difficult to understand?
No, the PFM5 program materials were designed to be simple, concise, and easily understood and applied by anyone
with a basic education. The master step by step outline guides you through each program section and subject.

Why not use a credit repair company or monthly billed complete service credit firm?
Credit repair and the development of good credit are only small parts of your overall financial world. If you have bad credit
there are other issues that have led you there and unless they are corrected you will simply slip back into bad credit again.
You need to learn how to handle your own finances and credit. Once you are finally on your own again the old bad habits
and poor financial control can put you right back in the same negative position. Our simple 4 week PFM5 program provides
the outline on how to control your own financial destiny for the rest of your life. You can share this knowledge with your
children and family members. Monthly firms can add up to hundreds of dollars and show you nothing on how to do it.

What if this dosen't work for me?
It will. One thing we can guarantee is that the informational steps and techniques of the PFM5 program produce positive
results. The positive program results are a by-product of clear decision making and positive properly directed actions.
Plus, we offer a full "money back" warranty on our program. Something others simply won't match.

Am I guaranteed of complete success?
No program can guarantee third party decisions and if they do they are not being honest. Financial matters take time
and planning especially credit repair and savings. The specific steps and techniques outlined in the PFM5 program have
been proven to produce positive results. However, not every banker or person you do business with will say yes everytime.
Even the best hear no every now and then. If you apply yourself and follow the program guidelines your personal financial management skills should improve dramatically. Developing a high 800+ FICO score and great credit simply takes time
and effort. Neither of those cost you anything compared to the benefits of good personal financial management.

Is my information secure with you?
At no time will we ever ask you for sensitive information such as account numbers or credit card numbers. Your contact
information is never shared with any other outside party for any reason. We believe in absolute covenants of privacy and
security. Even your initial program fee is paid through a secure server system for your protection.
We are a TrustAssure Certified business.

Back