Life in the Philippines

Waiting for results

I am not sure that the saying no news is good news, is good, we are still waiting for final confirmation of Jasmin's annulment and this probably now means that we will not have the documents until January with a knock on effect which will delay our movement to Cyprus until the summer.

We have one piece of good news that one of the documents we need is Police clearance here in Dipolog and we have been informed that this can be carried out in Dipolog city rather than having to travel to Manila as we were originally advised, however now the requirement for this document has also been delayed so once more be are back in waiting mode.

One item that I have been actively pursuing is the cost of moving currencies between countries and I have come across a number of options to using banks, which on the face of it can save money. Most banks make a standard charge of around $30 to transfer money, which if you are sending a small amount can make up a high percentage of the cost. In addition to the fixed charge they also earn a margin on the exchange rate. By using an FX broker service you can save between 3-5% on the money you transfer. I have signed up with a couple to find out what kind of saving I can make of transfer between the UK and Philippines and the UK and Cyprus. But in these difficult times even a few pounds per transaction soon adds up.

Postal service has improved a bit, but once again late delivery of time sensitive documents has cost me money. This is a sad state of affairs and needs to be addressed by the Government.

It would seem that law and order is starting to breakdown in Sindangan, where we used to live, with crimes of murder occurring on a daily rather than a monthly basis, not sure if this can be blamed on the upcoming elections which are due next year, which always increases crime figures.

David Ogden
Dipolog city
+639991141149

http://seriouswealth.net

Millionaire Mentoring

Millionaire Mentoring.

When I started out working online many years ago the first thing i did was to find a mentor to guide and assist me in setting up a business. It was an intensive course lasting some nine months at the end of which I had a product that I had produced and could sell. Nowadays there are supposedly thousands of ways of making money online, if you believe what you see online. But in my opinion personal mentoring is the best, because you can share in success and failure and get feedback on you progress along the road to success.

When you learn to drive, you don't just jump in car and drive, you find someone who can teach you, so why is that people spend hundreds and sometimes thousands on a business and don't seek help from a mentor who can guide them to success.

It is far easier to work with someone who has been there before you, notice I said work, because you will still need to work on your success, there are no free rides, but you will be guided along the way. One of the most difficult things is deciding what you need to do to start earning money and this is where Billionaire Ed Mercer can help you. You see Ed Mercer loves to help people, he has already created 35 millionaires and now has taken up a challenge to create an additional 100 millionaires from ordinary people, for a new world record challenge.

He has done the hard part in finding a business which has a great compensation plan and a product that is used everyday. He has joined this together with a marketing system which is attracting hundred of people, to create a business plan. Part of this plan has been to set up an active group of people from around the world,who are prepared to do what it takes to improve their lives and the lives of others. This group shares information and helps one another to the extent that information and advice is available 24/7 if members have a question relating to the business of making money online.

This expanding group of people work together under the mentorship of Ed Mercer and share in the success that Ed's business perception brings. It is a win win situation the group members start to create serious wealth and Ed Mercer can expand his philanthropist help to worthy causes

If you have a true dream you want to follow, Ed Mercer can make your dream come true, the next step is to request further information by completing the form at http://seriouswealth.net and you will be invited to attend the next available live seminar to discover if you qualify to be mentored by Ed Mercer.

David Ogden

http://seriouswealth.net

Life In the Philippines

post office deliveries

The local post office in Dipolog city has been the bane of my life since I moved here at the beginning of the year. i do not know how many letters have gone missing but know I have lost quite a few important one. It all came to a head ten days ago, when I eventually had gathered proof that my mail was been interfered with. On the day in question my wife collected a number of letters stamped as been received up to a month before, but which had not been de lived.

One letter I opened was a time sensitive letter from my bank wherein they informed me that if I did not reply in ten days they would remove an amount of money relating to an ongoing fraud case from my account. I returned to the Post Office and read the riot act, advising them they were failing in their duty to deliver the mail. They offered many excuses, not enough workers, the weather,sickness. I would have none of it. I went as far as suggesting that they write to the Postmaster general and request the Post Office be shut down. I left a formal complaint with them.

Now miraculously the post is working as it is designed I am getting a regular supply of mail again. so it seems they can do their jobs.

I question sometimes why it is difficult to get people to do what they are paid to do, I do not know how many times have walked into shops and watched staff chatting to each other rather than assisting customers or even worse texting or using mobile devices.

Perhaps I am old fashioned but I used to like to think that I was paid what I felt I was worth, If I was not being paid enough I could leave. Sometimes it was a matter of more than money, I would do jobs I enjoyed or once where I could learn and take on new skills. I have done a huge assortment of jobs in my life so far working for people, with people and for myself. I do not think I have ever been fired, I have always been the one move on. I have been lucky.

One of the most challenging businesses in my opinion is to help people earn money online, the the world of so called fast money, rip offs and scams. The truth is there is good consistent money being made online from Multi-level-marketing when done the right way with the right company. Multi-level-marketing is now being taught in colleges. If its good enough for Warren Buffet its good enough for anyone.

The basis of Multilevel marketing is building and duplication actions which sell products and services on which one can build commissions through multiple levels.

Finding something that works and can be duplicated is one of the secrets that people such as as Billionaire Ed Mercer has used in the past and is using now to create new millionaires. it is not rocket science merely common sense and anybody with a little bit of money, his guidance and advice can create serious wealth.

David Ogden
Dipolog city
+639991141149

http://seriouswealth.net

Life in the Philippines

Waiting on Bureaucracy

Having made our decision to leave the Philippines we are now in the hand of bureaucrats with regards to getting our paperwork in order and unfortunately here everything takes time which is very frustrating and is not making life any easier.

I am the kind of person who likes to get things moving and we have a tight deadline. The School year in the Philippines ends in March, so this is the earliest time we can move to Cyprus and will provide time for Jay to settle in prior to resuming his education in September which is the start of the School year. We have to register him in May so that is the latest departure date, to ensure he has a school placement.

The main problem is we need to formally adopt Jay, even though he has been living with us for two years and the authorities need time to consider this, in the best interests of the child. We know it is in Jay's best interests because a European education is far superior to what is available in the Philippines and most Filipinos leave the country anyway as the wages here are too low and they are better odd working abroad.

So for the next few months it seems I am going to have to bite my tongue and subject myself to what I see as unreasonable demands. Part of the problem is the Philippines is where we live, yes I have a UK passport but I have not lived there for 12 years so it seems crazy to ask questions in UK about about my recent past of which they have no knowledge. But here in the Philippines I am regarded as a foreigner and they expect that I have a home in another country, If I did I would not be living here now.

Another tropical storm has been working its way across the country this week, causing the using flooding and power outages which the locals just accept as a normal way of life.

David Ogden
Dipolog city
+639991141149

http://seriouswealth.net

Dipolog City - House and Lot For Sale

Original Article @ Dipolog house and Lot for Sale

The Philippines does suffer from a high average rainfall especially at this time of year with over 400mm in the current month although in the spring this from down to around 100mm many houses are built with tin roof with the result that heavy rain makes it impossible to hear someone speaking, added to this is the lack of rain gutters and downpipes so an artificial waterfall is created. Our house and lot for Sale in Dipolog city, is finished with shingle tiles which reduce the noise to nothing and we have long lasting plastic gutters and downpipes, rather that metal which deteriorate rapidly in the tropic,

As you can image you can collect a lot of free water and we originally had plans to place storage tanks behind the house filled by the downpipes rather that letting this resource go to waste.

The one good thing about tropical storms they are over quite quickly and soon the sun is shining brightly again.

Till the next time

David Ogden
Dipolog city
+63659082832

How to Get Money

Return on Investment

How do people create wealth, well it does not matter who you are or what you do , you could be a billionaire like Ed Mercer or an ordinary individual working a nine to five job, but you need to find a vehicle which you can use to increase your wealth. Now at one time one of these vehicles was your home, however this was ruined by lenders lending more money than borrowers could reasonably repay, with the results that their loans exceeded the future value of houses and this caused the worldwide financial crisis which we are struggling to get out. There are however a number of other ways to get a good return on investment.

I do not recommend High Yield Investment schemes unless you are prepared to lose your investment, but they can work for some people but are very risky for the unwary. One business which I am involved with is a pre-launch Forex company and in fact you do not even have to risk $1, they give you $100 in seed money to advertise their new Forex trading system and until the company formally launches you benefit from any gains or loses the system makes, the latest trade last week added another 9% to my account which is now approaching $1,200. Yes it is an advertising ploy to attract people but if they join when the company launch there are monthly commissions available which could prove regular income of one or two thousand dollars all from zero investment. Even if the business never launches you have lost nothing but perhaps when it does it will have created some money to start you on the journey to greater wealth.

People look to the Internet to earn money and it is difficult to discern which are good and which are bad for a long time Zeek rewards was flavour of the month but the business was not sustainable and many lost money they could not afford to lose.

The secret to securing a good return on your investment is to follow someone who is trustworthy and has a track record of success and one such person is Ed Mercer who has taken up a challenge with Guinness world records to create 100 new millionaires in this time of recession. If you want to share with his success you should join him on his challenge and reap the rewards of his research. A word of warning however, you will need to be prepared to commit time, money and effort to build your serious wealth, it not a program for dreamers it is for those people who are prepared to do what ever it takes to build success.

David Ogden

Ed Mercer- 100 millionaires
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How to Become A Millionaire

Qualities of a Millionaire

Many people have dreams to become seriously rich and live like a millionaire but few people have the drive and enthusiasm to turn their dreams into really. Self made millionaires are not born everyday and many like Ed Mercer had serious difficulties to overcome, however the formula to gain success is very similar, they all get their money to work for then, In Eds Mercers case one way was to purchase properties renovate them and sell at a profit, now of course at the moment this method will not work very well.

I do have a friend however that does something similar and that is to purchase properties near to colleges and universities, convert them to student accommodation and rent them out, because there is no lack students trying to better themselves. At the last count he has nine or ten properties and this is increasing his net worth.

Net worth is the way in which millionaires are measured, not the amount of money they are earning, one of the secrets of becoming seriously rich is to get your money working for you. You do not want to have cash sitting in the bank or in a box or jars around the house you need to get it to work.

You need to have money to make money, if you do not have money, you have to find a way to create what is called seed money say $1,000 to $3,000. This seed money can then be invested to create your money tree. You cultivate you money tree by reinvesting the money the tree produces to create more trees. Eventually you will have a forest. One thing you have to remember is not to stop investing or sell you source without replacing it.

I have talked about trees because trees are important for all of us to support life but in places around the world like the Amazon, Indonesia, Malaysia, Philippines and other places in Asia. The local people are being encouraged to sell the land that they have lived on for generations to Companies who will strip the trees from the land. Yes the villages receive money but at the same time they lose their source and once the money is spent they are poor, However some of the loggers not only make the money from selling lumber but may use the land in other way raising cattle or replanting to earn more income.

So the conundrum for most people is how to get started on your path to becoming a millionaire and raise the seed money. Here are some suggestions:-

• Stop eating fast foods smoking and drinking and put the money in a money tree account which earns interest.
• Hold a garage sale and get rid of the clutter in your life
• Downsize your car, or use a bike or walk.
• Cut you grocery bill use unbranded products rather than popular more expensive brands
• Replace credit cards with debit cards that way you cannot spend what you have not got, you could go further and only spend money where you can use a debit card this is stop you spending money on non essentials.
• Every day drop all your loose change in a jar and bank it in your money tree account

Yes you will make sacrifices but by concentrating on the essentials you will be making progress towards your goal and perhaps understand what is the difference between thinking about being rich and actually becoming rich - Controlling you money.

Once you have your seed money for you money tree Ed Mercer will be able to show you what he is doing to create 100 new millionaires.

David Ogden

Ed Mercer- 100 millionaires
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