Wednesday, December 17, 2014

Debt Free Life: Ways To Overcome Your Credit Card Debts in the Philippines


I constrained to write more about credit card debt as myself having this challenges, and so one of the major problems of the Filipino consumer. Some credit card companies have resorted to unreasonable means to demand payment from their debtors.

Although credit card companies are entitled to demand payment from the debtors, they are entitled to do so only for a certain number of years and through the employment of fair collection practices. In other words, the right of credit card companies to demand payment of the debt is not absolute.

Like other rights and conditions, the right of credit card companies to demand payment may be lost by prescription. In particular, Article 1144 of the Civil Code of the Philippines provides that actions based upon a written contract must be brought within ten (10) year from the time the right of action accrues.

Therefore, if the customer signed a contract before s/he can avail of the services of the credit card company signifying his/her consent to the terms and conditions, the credit card company has 10 years from the time the debt becomes due and demandable as provided in the provisions of the contract to file any claim for payment against the debtor.

After the lapse of the 10-year prescriptive period, the right of the credit card company to demand payment ceases and the debt is deemed lost. It must be noted, however, that the 10-year prescriptive period is interrupted or tolled when:

a) a complaint is filed before the courts, or

b) when there is a written extrajudicial demand by the creditor, or

c) when there is a written acknowledgment of the debt by the debtor (Art. 1155, Civil Code of the Philippines).

In any of the instances stated above, a new 10-year period commences after the occurrence of the interruption. In the first instance, if a credit card company files a complaint for claim of money against the debtor in the Regional Trial Court, the credit card company can still enforce the judgment made within a new 10-year period in the event the court decides against the debtor.

In the second instance, the period that has already lapsed is wiped out upon the receipt of the written demand by the debtor from the credit card company and a new 10-year period begins (Overseas Bank of Manila vs. Geraldez, 94 SCRA 937).

For example, a debtor’s debt becomes due and demandable on October 13, 1983. On July 27, 1988, the credit card company made a written demand for debtor to settle his obligation. From the time debtor’s obligation became due and demandable on October 13, 1983, up to the time the demand was made, only 4 years, 9 months and 14 days had elapsed. The prescriptive period then commenced anew when debtor received the demand letter on August 5, 1988.

Thus, when the credit card company sent another demand letter on February 22, 1994, the action still had not yet prescribed as only 5 years, 6 months and 17 days had lapsed. Therefore, the credit card company still had the right to institute the complaint on September 14, 1994, as it was filed before the lapse of the ten-year prescriptive period (Permanent Savings and Loan Bank vs. Mariano Velarde, G.R. No. 140608).

In the third instance, the 10-year prescriptive period is tolled only when the debtor acknowledges the debt in writing even if s/he already made a partial payment (PNB vs. CA, Lina Velmonte, Rodolfo Conrnejo and Felicisimo Guevarra, G.R. No. L-27117).

Aside from the defense of prescription of the actions, debtors may also file a complaint against credit card companies for unfair collection practices. The Bankgo Sentral ng Pilipinas (BSP) Manual of Regulations for Non-Bank Financial Institutions” (MORNBFI, Subsections
4320Q.14) classifies the following as unfair collection practices:

a) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person;

b) The use of obscenities, insults, or profane language which amount to a criminal act or offense under applicable laws;

c) Disclosure of the names of credit cardholders who allegedly refuse to pay debts;

d) Threat to take any action that cannot legally be taken;

e) Communicating or threat to communicate to any person credit information which is known to be false, including failure to communicate that a debt is being disputed;

f) Any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a cardholder; and

g) Making contact at unreasonable/inconvenient times or hours which shall be defined as contact before 6:00 A.M. or after 10:00 P.M., unless the account is past due for more than sixty (60) days or the cardholder has given express permission or said times are
the only reasonable or convenient opportunities for contact.

If the credit card company employs any of the foregoing collection practices, the debtor can file a complaint with the BSP. The guilty credit card company shall be subject to any or all of the following sanctions:

1. First offense: Reprimand for the directors/officers responsible for the violation.

2. Second offense: Disqualification of the bank concerned from the credit facilities of the BSP except as may be allowed under Section 84 of the New Central Bank Act.

3. Subsequent offenses: Prohibition on the bank concerned from the extension of additional credit accommodation against personal security; and Penalties and sanctions under Sections 36 and 37 of the New Central Bank Act. (MORNBFI, Subsections 4320Q.14)

Also, it must be noted that although it is accepted that one cannot be imprisoned for nonpayment of debt, it is a different matter if fraud is involved. For purposes of credit card debt, the Access Devices Regulation Act provides that obtaining money or anything of value through the use of an access device, such as credit cards, with deliberate intent to defraud or to gain and fleeing thereafter is considered as access device fraud and is punishable by imprisonment, fine or both.

One is also presumed to have the intent to defraud the credit card company if the cardholder “abandons or surreptitiously leaves the place of employment, business or residence stated in his application or credit card, without informing the credit card company of the place where he could actually be found, if at the time of such abandonment or surreptitious leaving, the outstanding and unpaid balance is past due for at least ninety (90) days and is more than Ten thousand pesos (P10,000.00)” (Section 14, Access Devices Regulation Act 0f 1998).

It is clear from the wording of the Civil Code and other related laws that debtors of credit card companies are not left without any remedy or defense.

Credit card companies can no longer take the law into their own hands as debtors are likewise protected by Philippines laws.

Therefore, debtors should be aware of their rights and defenses against unfair and unreasonable collection practices and harassment by the credit card companies.



One more thing: if you know anybody who would also benefit from aforementioned information and/or anyone who is interested to get out from debt, and wants to get quantum dose of knowledge then kindly take this blog post to share with them as well. Not only, will they love you for it, but let's face it, valuable information sharing is always more fun when you're doing it together with people you like.

If you enjoyed this blog post, I invite you to enter your email at our subscription box and let you know when I publish the next blog post, don't miss the same and learn more ways on how you can live a debt free life.

I hope you read something that helps you enlightened some legal queries and if it does please share it with a friend or co-worker because we're all in this together.

Better Days Is Yet To Come,

Jay M. Tan
Creator of Barely Legal Philippines
Advocate of Debt Free Living

P.S. Tell us what you think about this blog post in the comments section below, thus share to us also your information that can liberate us all so does live a debt free life.



Thursday, December 11, 2014

Credit Card Problems: Why You Get Stuck in Debt

I am passionate to share information involving Debt Situation. Simply because I can relate much on this topic ever since. More to share that in this moment of time I endeavored little bit to dig down deeper all about credit card problems.

While having a credit card has its perks and advantages as compared to, let’s say, the use of paper cash when paying off for products and services, if used indiscriminately and irresponsibly, one will wake up in the idea that owning loans via credit is not just about perks and even the convenience attributed to it – it can be  nightmarish as well.

As simple as it seems, the credit card system we know it today is devised in such a way that the creditor, that is the bank, will never lose money on the process, but rather gain – normally, by its interest but also with its incurring penalties.

The system behind the credit card system is relatively straightforward: the creditor, that is your bank, gives you a loan in a form of a credit (an amount which you can spend) in a promise that such a loan will be paid for in the future but with added interest and potential penalties if some conditions are not met such as timely payments of balances, et cetera.

As not all people have the qualification to obtain this privilege, the bank must first assess the customer’s capability of paying back the loan that will be given to him. Oftentimes, with a collateral from the customer’s assets to guarantee payments just in case issues regarding actual payment of balances and interests arise on the part of the client.

Applying for a credit card is a lot easier if you are a new client with a decent paying job, or at least a decent means of income, and with no previous credit history – meaning, you are new and clean.

But if you are one of those who struggles financially and had previously accumulated an incurred bad credit rating, your chances of ever applying for a new credit card privilege is slim to none on any bank. The reason: your ability to pay back the loans which will be given with interest and your credit history rating.

Having a previous bad credit score rating does not just affect your possibility of ever applying for a credit card in the future, some business companies may even used it as a reference on how financially responsible you are as a person. This significantly affects your chances of getting employed, usually for the worst.

But, how does one incur a bad credit score rating and gets stuck in debt, after all?

There are many ways for one to incur both a good and bad credit score rating and whose computations involved many factors including your responsibility with your credit and payments of its balances.

Good habits with your credit card use and timely payment responsibilities, among others, incur positive credit rating while doing otherwise such as late payments and accumulating staggering amount of debts incur negative credit rating. It is advisable that a person with a credit card only uses 30% - 40% of his overall credit to incur positive credit with its use.

A credit score of 660 to 680 is considered a good credit score rating. Higher values meant better credit score rating while lower values flags you as having a bad credit score rating.

While having a bad credit score in itself is bad, the more pressing issue of having a credit card problem is the debt attributed to it.

Debt occurs whenever the client entitled with a credit card purchases a product or a service through the card system which the bank pays for in behalf of the client but with an incurring interest in the coming balance payment.

This debt can get higher with every delayed payments which incurs you a penalty of an amount ranging from $10 - $40 if you are from America.

To make it worst, every delayed payments of your balance payment from one of your creditor (the bank), entitles you to an increase in interest rate called the universal default even on those creditors whom you paid your balances for on time. 

This significantly affects the amount of debt you pay for on the coming balance payments with your credit cards – meaning, higher balances due to an increased interest rate.

Do note however that in order for a balance payment to count as paid for in time, you as a credit card holder must have already paid at least the minimum balance on or before the due time of its payment.

One or two missed payments (which is also synonymous to saying 30 to 60 days of missed payments) may incur you the penalties of being charged a late fee, getting a bad mark on your credit report (a drop of 60 to 110 points), andan increased interest rate. A three (3) consecutive missed payments risks yourself of having reported to credit bureaus and cause your credit score rating great damage.

However, it is not until after 6 to 7 months of missed payments that you yourself would know that you are in deep trouble with your credit card debts for this is the time when creditors will sell off your debts to third-party collections agency where you will pay your debts directly to.

Worst comes to worst with your credit card debt, if the creditor can no longer find some time in dealing with you to settle your debts, there are agencies out there known as collection agencies that can buy you your debt from the bank and had you pay them directly instead.

If you have seen movies with loan sharks extorting money off their lenders, collection agencies are just as the same whose only difference is that loan sharks imposed an exorbitant interest rate that collection agencies may not. This is the most annoying part of getting in a spiral of debt which may haunt you for some time to come.

However, despite the troubles of an almost endless and frequent calls asking you to settle your debts and other similarly annoying means asking you to pay, not to mention those tactics which may come from the collections agency itself, there is a bright side to the storm that you may be in the middle of with a credit card debt and it does not always involve death.

Yes in my indigenous opinion there is a way out to legally escape your credit card problems which shall we termed it Your Debt Relief. And for the mean time I am honest with you although the termed is known as Statute of Limitations on Debt yet I have not yet swim in to know more about it. So you can maybe Google the same and surely you can have it.

All I am asking that once you have it, can you share with us in the comments section box below.

Remember that sharing is caring...not only will they love you for it, but let’s face it, sharing information with valuable content is always more fun when you’re doing it together with people you like.

Don’t miss the next blog post as I am sharing on how You and I learn more ways to live a debt free life. Enter you email address at the subscription list and I’ll let you know direct to your inbox the aforesaid article.

Again, I hope you read something that helps you and if it does please share it with a friend or co-worker because we’re all in this together.

Better Days is yet to come!

Jay M. Tan
  





Monday, November 24, 2014

Big Revelation I Learned from a Multi-millionaire

                                         PhotoCredit is due to the owner 

On 7:35 day time of November 24, 2014, I received an email from my virtual mentor Jon Orana, the Founder of Negosyo University. And so I replied the same, further asking permission to publish the contents of his email as is.

And minutes later, I got Jon’s affirmative response.

I met Jon Orana while still in the Philippines via his www.eskapology.com which site shared tidings of value.

I love to share this message anchored on the fact that in his message there is sort of define story, a story of CHANGE that must start on our mindset.

Significantly, love to share that taking one of the courses offered at the Negosyo University is an Unfair Advantage....why is that so? Simply because I learned the imperative shift to CHANGE my mindset...

Jon Orana handled the lecture virtually and shared on he attained success by having 500 Philippine Peso capital at the time some 8 years ago, and now skyrocket to a millions in pesos...how he did it so?

Bear to note that I am not an affiliate partner of Negosyo University or www.eskapology.com however, in all respect and intention only to share the strategic value aforementioned entities existence.

Secondly, in the New Rules of Money vis-a-vis New Rules of Economy, the more people you serve in and help by sharing tidings of value, the more success you can be had in due time... yes in due time... but prior to coming in that sphere of success, you need to Change Your Mental Attitude...

And the focal question is how? Simply, the answer is you need to surround like-minded individuals and you need to connect a mentor/ coach...and change your mind frame for best ever.

Worth of note is the fact that professional player/athletes like Manny Pacquio certainly hired Freddie Roach, the best coach/mentor, so we have a patterned to follow right?

Renew Your Mind follows your heart ultimately Change your life for the best, and this has a relative significant in the book of Romans Chapter 12: 2, the aforementioned bible verse is a patent proof that you and I should not conformed to this world, but be transformed by renewing of your mind.

Accordingly, "You can't solve a problem with the same mind that created it" said by Einstein.
And the words of America's Business Guru in the person of Jim Rohn: It's not the blowing of the wind that determines your destination, but it's the setting of the sail".....

Are you ready to set your sail so that you can safely get there in your destination of your dreams and goals of your life in soonest possible time?

I don't really know you as you read this blog post, but one thing is pretty sure as uttered by Mahatma Gandhi viz: "YOU must be the CHANGE you wish to see in the World". And to do the same which is the important dose of learning you might gotten reading this blog post is to always have the conclusion, with all your heart and mind, to Change for the better.

Before you click to other webpage, say it to yourself that "I am ready to change for the better!"...

The Best is yet to come, and A Big Change is coming Your Way…

Jay M. Tan
Creator @ Barely Legal Philippines


X--------------------------------------------------------------------------------------------------------------------/

When I was still a corporate slave many years ago I met a Multi-Millionaire.

We had a dinner in a fancy restaurant along Jupiter St. in Makati.

In our conversation he said something like…”Your income is the average of incomes of 5 of your friends.”

I can’t remember what my reply was but in my head I was like…”No way! I have a bigger salary than my friends.”

Which is true.

Only few years after I realized what he really meant by that. Ang slow ko no? LOL

Anyhoo, here’s what he means…

Your friends are your friends because generally speaking you think the same way.

And since you think the same way, you behave the same way. Kaya nga magkaka-sundo kayo e right?

And your behaviour will dictate how much money you’ll make.

Yes, you may make a little more than your friends but that’s about it.

You’ll always have a ceiling in terms of income. Wala kang makikikita na isang Multi-Millionaire and all his friends are making just minimum wage.

I’m not suggesting that you leave your friends.

What I’m saying is you have to go out there and meet other people that are more successful than you are. Waaayyy more successful than you are.

Or invest in books written by these successful Entrepreneurs and learn from them.

Discover how they think and how you change your thinking too.

Remember, your income is directly related to your behaviour.

Your behaviour is directly related with the way you think.

A simple formula to remember is…

Income = Behaviour = Thinking

Unless you change how you think, you won’t experience massive success in business and income.

You have to expand how you see money, business, and success.

I revealed everything in my course "First Steps To Freedom."

Click here to check it out. 

To your freedom,
Jon Orana.
X------------------------------------------------/


Tell Us What You Think About This Article In The Comments Section Below....

Also, if you've had any experience and/or knowledge with the topic, please share your thoughts and suggestions.  

Wednesday, November 19, 2014

Ways To Live A Debt Free Life

                                               PhotoCredit thewifeblog.com

I constrained to share some thoughts about "DEBT" in relation to credit card problems. However, if one is determined to get out from the bondage of debt, and focus to live a DEBT FREE LIFE whereupon you can dine in on the same full well.

Debt is an ugly word. No one wants to get in debt and yet it seems everybody, at one point or another in their lives, are in debt. It seems no matter how much people say they won’t get into debt, something happens in their lives that forces them to it.

Sadly, most are unable to get out and become buried deeper and deeper into debt. But all is not lost. If you are in debt now, there is still hope for you no matter how deeply buried you are.

Imperatively, there is a need to chart ways to get out of debt band begin living a debt-free life.

1. Renew your mindset.
Believe that it is possible to get out of debt and commit to doing whatever it takes to do so. Getting out of debt will entail a lot of difficult choices such as saying NO to a night out with friends because you are sticking to a budget.

But when all your debts are fully paid, the sense of peace and fulfillment is worth the hardships. Not to mention the discipline that you develop will keep you from getting into the debt trap again.

2. Have a budget and stick to it.
Do not spend money as soon as you get it. Even before your money arrives, have a plan or budget on how to spend it. Include in that plan the amount you will set aside for paying off your debt and make that your priority.

Then set aside money for emergencies. This will now comprise part of your savings and this is what you will use when there are emergency expenses.

This prevents you from getting into another debt for every unexpected occurrence in your life.

The remaining amount should now be used to pay for your expenses. This might be lower than what you are accustomed to spending but be committed to sticking to it and not spending beyond what you budgeted.

3. Minimize your expenses.
When you are in debt, the first priority is to pay off that debt. This means cutting down on unnecessary expenses and sticking only to the basics. This will also mean replacing an expensive essential with a cheaper but of equally good quality one.

Fancy a cup of expensive coffee? Try a ready-made cup instead. It will still give you your caffeine fix minus the ambiance perhaps but in the long run the money you save can go a long way to pay off your debts.

4. Learn to say NO.
Practice the discipline of saying NO to something you don’t need. If you have a budget, you know what your priorities are. When you see a sale for a new item, don’t be swayed to buying it especially if you don’t need it.
                                       
5. Steer clear of credit cards.
Credit cards are not bad if used properly. But chances are, you became a victim to credit card abuse and is now buried in debt to the credit card companies.

Cut your cards and commit to using just one or two for emergencies. Then begin a plan to one by one pay off the full amount of each card.

6. Increase your income cash flow.
When you are paying off debts, your expenses are constrained. Try to find another means to increase your cash flow. This could be side jobs or a small business that will add another income stream.

7. Know when to consult an expert.

If you are badly in debt and you realize you have certain actions that keeps you buried in debt, it might be time to consult an expert.

A financial expert can help make sense of your finances by pointing out certain things in your cash flow that you can change so you can start paying off your debts.

He can also help draft a debt-payment plan which is really useful if you are in debt with several credit companies.

If you acknowledge that you have a spending problem which gets you in debt all the time, then it might be time to consult a psychologist who can help correct your behavior. Do not be afraid to ask for help, especially when you know you need it.

8. Reward yourself for accomplishments.
Paying off your debts one by one will take time. The process will require extensive self-control and discipline on your end.

Be patient in following your financial plan of getting out of debt regardless if it takes years to complete. The reward of being debt free is worth all the patience and perseverance.

A technique to keep motivated is to reward yourself for small accomplishments. For example, if you are paying off debts one by one, every time you finish one debt, you can reward yourself with a small token but nothing too expensive that will destroy your budget.

Or if you are paying off a huge amount of debt, you can reward yourself during certain time intervals i.e. treat yourself to a nice dinner after six months of not missing a debt payment schedule.

When you start seriously paying off your debts, especially if it's a huge amount, there will be a lot of things you enjoyed before that will no longer be possible.

A lot of things will become luxuries and you might get a deprived feeling. Rewarding yourself with certain luxuries will help you stay on track with your debt payment program and increase the chances of you actually paying off your entire debt.

Getting out of debt is not impossible. It might take years but with commitment and discipline, it is possible. You don’t want to die buried in debt and pass the burden to your loved ones.

Better start a plan to get out today and start living a stress-free and debt-free life.


Best Thing is yet to come,

P.S. Feel free to share your information and likewise you may ask me any queries in the comment form below! Also, if you've had any experience and/or knowledge with the topic, please share your thoughts and suggestions at the box below.

Wednesday, October 22, 2014

7 Keys To Protect Your Online Human Endeavor


              I can’t help but to share which to me significant information vis-à-vis Information Age re using your credit card number and so with your Social Security number over the phone.

               Item number one to consider invest a shredder. Why? This is to make it sure that any receipt or statement as to your personal circumstances should be shredded.

               Worth of note is the fact that many of the so-called identity theft occurs online or shall we called it cyber theft…hence, be smart when you’re in your computer (connected online/WiFi), and here some basic tips so to speak to remember:

  1. Only use your own computer/laptop to do your business transaction such as doing  your online stock trading or any other personal financial affairs.

2. Please bear to remember not to use public library; it is suggested not to use your laptop on the free wireless network such as in the coffee shop or any establishment having a WiFi zone.

3. Don’t click on pup-ups. (if you want to know why, yes you can Google the same for further details, OK)
                   
4. Always and do it always to log off as soon as you ended up/finished your online financial transaction such as online banking or credit card  business deal.

5. Don’t download anything unless you are sure that the same is safe, and the site has been verified.

6. Make a so-called exceptionally ingenious password (obvious reason)

7. Make it a deal to yourself to have your unit run with antivirus and/or security software, and only your trusted technician will do it.

Be ProActive and Smart Online….

                  Do you have your cyber security tips to share? Please feel free to write at the box below...


Jay Tan Finance Hub  

Friday, April 18, 2014

Filipino Domestic Workers Law Institutionalize

Photo Credit untvweb.com

I am motivated to upload it here in our hub with the sole purpose of informing you more about Batas Kasamabahay here in our beloved Philippines.

First, to inform you that the line agency who handled the jurisdiction as to rules and regulations is no other than Department of Labor and Employment (DOLE). Bare to note that a Kasamabahay defines as a person engage in domestic work.

Moreover, the employment relationship is likened to a household, nursemaid or Yaya, cook, gardener, or stay in laundry person.

For informational purposes only, it is best to remember year ago when the said law came into being, the same institutionalized the basic rights of domestic worker as to the salary, rest period, service incentive leave, 13th month pay and social security benefits enshrined by law.

Note well that these are reflected in the implementing rules-procedure. What about you do you have a friend over here in the Philippines who tendered some sort of domestic works? If so, kindly tell the said fellow that under the Kasambahay Act with its implementing rules-procedure, a Kasambahay:

               1. Must be be afforded the opportunity to finish basic education, which shall consist of elementary and secondary education; 

               2. The Kasambahay Act with its implementing rules-procedure mandates the Technical Education and Skills Development Authority (TESDA) to facilitate access of a Kasambahay to efficient training on technical-vocational education, and to coordinate with the National Wages and Productivity Commission (NWPC) and the Regional Tripartite Wages and Productivity Boards (RTWPBs) to develop a skill/competency-based pay system.

               3. Recognizing the vulnerability of domestic workers to different forms of abuse, the IRR establishes a mechanism for the rescue and rehabilitation of an abused.

              4. For the recovery and rehabilitation of an abused Kasambahay, the implementing rules-procedure mandates that he/she be provided with a temporary shelter, counseling, free legal services, medical or psychological services, livelihood and skills training, and other relevant services as may be necessary.

Anchored on the aforementioned support and protection elements, Kasambahay's implementing rules-procedure creates a rescue team composed of the following officials:

               (a) the municipal or city social welfare officer;

               (b) the concerned barangay officials, and

               (c) a proper law enforcement personnel.

Worthy of note that he rescue team must immediately respond to any report of abuse, and ensure the full protection of the rights of the rescued Kasamabahay while under its control and custody. 

And here is the beauty because the Kasambahay Law directs the parties to execute a written employment contract before the commencement of the service of a Kasambahay. The contract must be in a language or dialect understood by both the Kasambahay and the employer.

Make it simple because a long and tedious contract is not only painstaking to read but it boils into nothing.

Important things to be indicated in the contract are as follows:

          1. The Contract should be written in Filipino or regional dialect such as Cebuano, Ilonggo, Ilocano and or those dialect best understood by the parties customary used.

         2. Contains provisions relating to the Kasambahay’s duties and responsibilities, rest days and leaves, and compensation and benefits among others.

        3. Be sure that the contract must contain spaces for signature witnesses/parties.

Importantly, as put in the implementing rules-procedure, either party may request the Punong Barangay or his/her designated officer to read and explain the content of the contracts and to serve as witness thereon.

That is why if you're reading this and one of your friends or your relatives thinking to work temporary as Kasamabahay, kindly please give it a shout for him/her as to the rights on Kasamabahay.

What about you do you have tidings to share as to rights of Kasambahay? Please share over here at the box provided for humanity, and feel the good karma circulating to land in your domain.

All the best in us to shine, and let us ExecuteDifferently!

Jay Maghuyop Tan

P.S. My only request from your end if you find this post endowed with sense and usefulness, can you share so that others will know also. Maraming Salamat...


Monday, April 14, 2014

Why Jay Maghuyop Tan is Happy with SWA-Team Manny Viloria's Profitable Blogging


Do you believe that people come into our lives for a reason?

Some had experienced a relationship in just a short  and occur for a very specific reason. Sometimes they come and then go away forever. 

But in my end, and in all honesty when I met SWA-Team Manny Viloria with a reason and in a season for a lifetime digital engagement...do you know why? 

Mainly because as the way I assessed the same is that SWA-Team Manny Viloria's aim is to raise up a new generation of successful young people who take charge of their lives, live their dreams, and eventually, contribute back to society. 

Simply to indicate, allow me to share my happy engagement with the team. That was end part of 2011 when I stumbled the digital hub of www.viloria.net and thereat I enjoyed exploring the wealth of information as to online marketing up to virtual assistant module. Back and forth, the same site was then my favorite hangout...  

Back then, I am fascinated with how the online vis-a-vis Internet operates as to providing best implication to the lives of man. Since I have the liberty of time with struggled financially, I search more on the maze interaction of online/digital domain, which later I prefer to called it as “virtual world”. 

Why SWA-Team Manny Viloria?

It was Manny Viloria who answered my digital queries; such as how to blog....Profitable Blogging also I indulged the Supreme Wealth Library, and started my journey to amass desired information and/or knowledge over the 2100 eBooks.

I enjoyed much on the eBooks, BUT the other side the free tutorial shared by Team Manny Viloria as to blogging... that instead paying the same I got it for FREE... hence, this blog you are reading now! Whereupon it boost my confidence as I read more from the aforementioned eBooks.  

Also there is an Online Marketing Training offered to members of Team Manny Viloria (TMV). 
The TMV Training teaches people the following: 

       • How to build your Name first (through blogging), then your business second

       • How to market your product in social media sites

       • How to have online salespersons that automatically market your business for
you

       • How to use your mind to attract success

       • How to expand your network of supporters online

       • How to properly communicate with your warm market (people you
personally know)

       • How to harness the power of your online presence to attract even people
who do not personally know you.

In addition, TMV members also get the following benefits:

       • Automatic promotion of your SWA Ultimate referral link (via rotation on a
Team Website)

       • “Blogging Done For You Service” based on your bullet list of key bits of
information, the TMV writers will product a 100-word blog post for you.

Maximum of 1 blog per week. Maximum of 30 blog posts in total.

      • Promotion of your blog. Your blog will be featured online using internet
promotion tactics employed by TMV techies and e-marketers. In other words,
you gain more exposure.  

A year elapsed, my blog reached to 12, 000 page views [as of 15 April 2014], and why I have to share it vocally as my blog's page views because the same is material to my end. And to tell you frankly with all honesty never ever I applied SEO since I don't know about it, still this blog able to crawl organically, and I am happy about it. 

I shared this little success and celebrate the same to like minded people like you! And to tell you that I keep away from people who try to belittle our ambitions. As don't play with pigs because you'll get with mud...henceforth, surround only those dreamers with goal oriented fellow who don't afraid to take the ultimate risk. 

To reiterate, SWA-Team Manny Viloria came in to my life with a reason in time I search my passion anchored on the belief that the exponential effect of having successful young people sharing their knowledge and wealth of wisdom can positively Change The Economic Future Of The World. 

Because of the aforementioned eBooks my mindset gradually transformed into becoming less reactive instead standing in a higher plain vis-a-vis ProActive MindSet a Journey to FinancialFEAST. As to say the least, Educational Empowerment Road to FinancialFEAST. 

However, the engagement with the Team as I called it lasted till now and with greater development. Fact reveals that Manny Viloria is a big brother, a friend and above all a Mentor, you know why? Because in simple terms, he'll guide you in with his smart and intelligent advice:

            “ Invest in yourself otherwise others will in invest in you” 

            “ Build your name first, business second”

Though simple statements yet if you seriously decode it, the same will give/provide significant impact in your online endeavor. 

In my end, invest in yourself with knowledge to grow yourself so that when opportunities come in you're prepared as the adage would like to say: “ When the pupil is ready, the teacher will appear"~~Plato. 

I am happy with my Team Manny Viloria with SWA eLibrary on the fact of their commitment, and the way I assessed is that their willingness to focus on others---to your end provided further that you're teachable/coachable. 

I am thankful for your time to visit digital hub, my only tips for you as to the opportunity appears, ask your very self these two questions:

1. What is the worst case scenario?

2. If the worst happens, can I handle it?

If the answer to the second question is a “YES”, then grab that opportunity. 

With the aforementioned opportunity in hand, you need to move on the next level which more often shared by those ahead of us is to look for a mentor. A mentor who has already done what you want to do and learn from them. 

According to one of the successful entrepreneur, to get a mentor you should offer something of value to him/her first to convince them to mentor you. { I did it too, and to tell you it is effective... later after I will write a blog post centering on this issue]

Strategically speaking, if you can offer a special project endeavor and/or proposal which in the end can deliver-add value to him/her in certain respect may open to mentoring you. 

And so expect that with due harmonious cooperation the same will lead to another ladder of entrepreneurial engagement where there is greater involvement from both parties. 

With ProActive stand, you can move higher and faster with safe arrival from project to project until such time you eventually become business partner.  

What about you? Do you have something which you think you share over there that can add value to us here, and please don't forget to share it here at the box below....

“You can conquer almost any fear if you will only make up your mind to do so. For remember, fear doesn't exist anywhere except in the mind~~Dale Carnegie

ExecuteDifferently!

Jay Maghuyop Tan

P.S. I am sure that the road to liberty is not smooth, hence, setbacks is imminent, and yes, there will be struggles. However, if you keep on going in spite of your fear who will become the leaders of tomorrow. 

P.S. As I read in one book while the author is passionate to say that "don't wait until everything is just fight and/or smooth. It will never be perfect. There will always be challenge, obstacle, and less than perfect conditions. 

P.S. So what? Get started now. With each step you take, you will grow stronger and stronger, more and more skilled , more and more self-confident, and more and more successful.

P.S. I have here something of everything, a video made by My Mentor Manny Viloria as to how to increase your CashFlow using the Internet.