My inside clinic job experience. (A point of view article.)

 

My inside clinic job experience. 
(A point of view article.)

Health care is what we all need. People invest heavily on medication especially, when they want to be cured from current illness or disease. They even pour it on insurance just to avoid a substantial amount of pain. And this is my realization of not just getting inside the salon but, wondering on how things work. Yes, some people call it a clinic, but it's less from that. 

"An aesthetician is not a doctor or a medical health professional, so they can't: Administer injectables such as botox or fillers."

 https://www.webmd.com/beauty/what-is-aesthetician

I am not an aesthetician and will never ever be, only if I am a license medical practitioner. Why is that? My mum told and warned me about how I was so proud doing aculift. It's an acupuncture in the face with loads of needles like ancient therapy thing. She told me that if you made a mistake and people get paralyzed on how unprofessional I was doing, I could be in jail. No certificate on performing it, no further knowledge. Even the guide entrusted me on practicing it without him supervising so, I didn't mind that it was so serious. I've done it once because, we're currently on training. Just once. Of course, how would you be able to learn it if you're not gonna do it, right? But here's my shallow realization. I am writing this because, finally it made up my mind that this could end truly worst. I saw one of the students that she is so proud having multiple certificates just to say that she knows what she's doing. Probably yes, but her certificate only signifies that she completed the training. The certificate indicates "NON MEDICAL". Anybody can be trained. Anyone with no pre-med background can enroll. Anyone who finishes the course can do it straight to the patient, simply because, they are already certified. But I am not confident. My mother was right. Some of these clinics doesn't have doctors present during these services and some clinics doesn't even have one. What if you're hypersensitive to something you don't know? This is an honest opinion. What if there's a complication and a reaction happened? Would you think they can medically adviced you to buy something without prescription? What if another scenario that leads to the worst? Do you think they can be liable from their negligence and malpractices? Yes, but financially? Do they have insurances to cover you up? But some clinics are just plain salons or spas. Even a LEGIT LICENSED NURSES are prohibited to perform without training and further knowledge about intravenous injection. Educate yourself about the law.

[ PRC BOARD OF NURSING RESOLUTION NO. 08, s. 1994, February 04, 1994 ]

https://elibrary.judiciary.gov.ph/thebookshelf/showdocs/10/39202

When we're talking about Medicine, one of the renowned doctor in the Philippines, DR. VICKY BELO who is a dermatologist and came from prestigious university with continuous education to enhance her career. She has clinics and it is pricey. We know that she is better and higher than any aesthetician in the Philippines simply because, She. Is. A. Doctor. Obviously, she and even probably hiring pre-med graduates who can give professional advices about medication and health if something goes wrong. Far more plausible, that her corporation is professionally capable of handling irregularities such as; they have insurances and better knowledge. She and her company are well-known and branded that they will take care of you thoroughly for which they don't want to ruin their glamorous businesses. It's just because, reactions and complications can happen sometimes. Of course, expect for higher prices. Paying a probable high cost for high-standard medical procedures is better than facing higher costs to catch them. Your choice. Doubt intensely, if someone says they're higher than her. Check her history. 

https://belomed.com/the-base/5-botox-myths-debunked/

You see why I am writing this? Because Why effin not?! I am a writer, a blogger and a journalist. A journal of my life's journey. Realization, awakening, education, ideas and for public awareness. If you're an aesthetician, this is your chosen career and if you feel bad about my opinion, you have every right! It can truly hinder your career. If you're mad and you're against all of it, apologies but when we're talking about science and medicine, closed-minded people are not allowed here. It's purely logical and reasonable to doubt for. You're injecting and putting inside of their body. What if something happened to them? Like paralysis. Can you even explain without asking your doctors about it? Are you even licensed to prescribe medication even if it came from your doctors? Can you help yourself when it becomes worse? They should be the one doing that. Do note that not all doctors are the same. Another reason why we have the term "specialista". One licensed doctor sued and jailed from his malpractices due to reckless imprudence resulting to physical injury. See news below.

https://www.philstar.com/opinion/2023/11/22/2313230/lawyer-got-wrong-doctor-doctor-got-wrong-lawyer

Well how about you? No diploma. No pre-med background. No other medical science knowledge. If you still want to continue this career without credibilities, you can still pursue it. (Except for anything needles....syempre mag-mamagaling ka pa sa batas!). I don't want to end up your trial and error method because, a master was once a beginner. We create mistakes and it's natural, but a mistake in cosmetic surgery, mild surgery or injectable procedure, ... any needle job? No effin way. Based on my opinion, it would be credible that there's a MEDICAL TERM in your licence or certificate. By having this, a LICENSED, MEDICAL PRACTITIONER is your mentor! Save yourself from millions of pesos in hospital bills and punitve damages. You're not as rich as Belo. Remember, there are tons of medical aesthetic schools out there and get the real one. Not just a legit term in their marketing strategy. An expert term has a long time career with heavy credibility and further intelligence plus "A LONG TIME CONNECTIONS" as for your character of reference. By the way, imagine this. You're a licensed medical practitioner and your trainer is not even one, Would you like to end up in jail with them? You spend money, time and effort to win that degree even prayed to pass in PRC BOARD EXAMS but, someone lower than you might revoke your credibility. Your formal education is even more credible, than enrolling in a sub-standard training with disreputable on their part. Before you throw your money, ask their licensed number and check in PRC Website.

My inside job not outside job, haha yes, because, people knew we're Field Marketers. I know some things and have never seen how their schools work. Except, seen student's training and practicing their learnings on a live person. Just to clarify, I was never a student of aesthetics, only from holistic therapy. I don't literally know all of it. I just don't like those students who are not qualified and credible to enroll for any advance cosmetic procedures such as, a million times, the injectables. Like I said, it's just an epiphany from my mother's precaution and I began to wonder about it. Well it's extremely rational! It's completely a skill based job that doesn't require a diploma, but then again, injection and chemicals for your body? Never. I'd rather find a Medical Aesthetician with license doctor present at all services. Apparently, there are clinics which still do this illegal practices even though it's safe. They are not just licensed to do it, but insisted on performing it. Think about being a student of a trainer who is not even authorized to perform under the law? Are you truly confident to inject something and you're not even pre-med licenced like medtech or a nurse? Yet, some of the clinics which do these are open doing illegal things during broad daylight. Far worst, using the term and called a Doctor without a license in their clinic, even acting in their paid presscons.

"administering injections is considered a medical act. And doing medical acts without a license? That's illegal."

https://www.respicio.ph/features/the-risks-of-unlicensed-medical-practice-in-the-philippines-what-you-need-to-know

So, if you're as sensitive as me? Allergic? Skin asthmatic? Sickly? Or you don't know your triggers. Better find a dermatologist. Not just a certificate will ever touch my skin. Even acupuncturist. I am sorry. I am just not that comfortable. 

So, is an esthetician a bad thing? No, both have different specialization. Aesthetic is more on therapy and relaxation. Compared with it, one can actually do surgery and prescribe drugs while them cannot. If you like both for assurance because, a doctor will never do holistic therapy moments with you, find a Medical Aesthetic Clinic. At least a doctor you can talk and run to. So, before planning anything else without thinking, that doctor must know all the things that they don't know on what you're about to do. Then again, my story and my opinion, when it involves injectables, it must be a licensed medical practitioner.

Are you a student? Make a thorough research and make sure to check the qualifications and requirements. But if you're a patient? How would you know? 😉 ... My mom was right and she is a graduate of Caregiver in St. Augustine School of Nursing. Has a science and limited medicine knowledge who warns me against illegal practitioners. Don't ever waste your money from someone on the very first start of their career, are already a fraudster. Why not?! They didn't even gone through sleepless nights and severe anxiety in Anatomy Course. Ask the med students. They know.

And for the finality, I like to include my opinion on injections for tattooing. It has mini injections and putting liquids inside the body. So, sorry to all tattoo artists who have already been managing their studio, have done successful creations and have made a living out of it. It's still about needles.

https://www.indeed.com/career-advice/finding-a-job/what-degree-do-you-need-to-give-botox-injections

...

{In Thailand, an unregulated cosmetic enhancement industry is thriving. Botched procedures undertaken by unlicensed practitioners are leaving patients disfigured and forced to spend thousands on reconstructive surgery. VICE World News finds out why there’s a demand for unlicensed treatments despite the risks.}

https://youtu.be/GTpK4POLm0g?si=LK6f8tZ7LoV_2fTd

...

{While writing and editing this case, I found myself moved to tears, deeply empathizing with the pain of a mother who lost her son following plastic surgery. Her seven-year-long battle, still ongoing, to seek justice for victims of medical accidents is heart-wrenching. It's unimaginable what she has endured, to the extent that her dark hair has turned grey, weathered over the years by grief. My thoughts and prayers are with Daehee, his mother, and all those affected by medical accidents.}

A story of knowledgeable licensed doctors can still make mistake. How about you? Who is not licensed to perform? Still wanna enroll?

https://youtu.be/zRzuj4gy9HY?si=OrIznyLE0rksMP5O

...

{Whats the difference between estheticians and dermatologists? I hope this helps break it down!}

https://youtu.be/NnBtGYYUQVY?si=iEoZplUdZYqgrHfu

...

Click YouTube link. I am not against aesthetic beauty. If you want to bring out confidence in you, you can enhance your figure. All the way you want and take a risk.

"Beauty therapists and aestheticians are not licensed medical professionals. Therefore, they are not authorized to administer these cosmetic procedures by themselves."

https://aptinjectiontraining.com/blog/who-can-perform-botox-dermal-filler-procedures/

#IllegalPracticeofMedicine #injections #botox #fillers #PRCBoard #medstudent #License #doctor #cosmeticsurgery #premed

Generational Wealth

 

Generational Wealth

Ano bang magandang ipamana LEGACY o PROBLEMA? (A point of view article.)

Ayala Clan is one of the best example to value the legacy of generational wealth. From Spain and continued from migration in the Philippines of the year 1834, the middle of Spanish colonization by 8 generations now. I've read one of the articles about their oldest running conglomerate on how they train their future heirs of the company. At a very young age, they are taught and trained to manage their own finances. In the earliest of their schooling, Grade 2, they know how to save. They know the value of asset vs liability. Heirs don't have to be pure blooded family to run the businesses. It should be someone who UNDERSTANDS the investment. Someone who will continue the legacy and excellence in their name. Who knows the value of the future and sacrifices to obtain great trust and respect in managing and leading to provide the betterment of the society. Something they want to contribute as they have been known as a Nation Builders. They see management as not an obligation nor a hefty responsibility but rather, a great model to be followed with. They think about their future FOR EVERYONE'S BENEFIT.

But how is your family? How are your grandparents, parents or anybody ahead of you? What are they doing? What are the things they are so proud of, to share with you? Is it hard earned money? even their own true money? Or a character to become a better person? Or a problem that they started in the first place and handed it over to the next in line? Blaming you? Entrusting it to you? Are they even honest all this time? Sounds loathing, right? But whatever you are, wealthy or lack, fed by a scammer or not, raised by a criminal or what, a true wealth should start from you. 

Based on my opinion, I have seen in the Middle Class families with something little to inherit from are the people who don't have financial literacy, who don't know how to multiply or to generate wealth from investment, who squander little earnings for happiness, who don't want to educate themselves from books to seminars because, they want fast success and for worse, they know what they did, and they even have the guts to let inherit their ways to the next in line. But why?! In my point of view, if I were having children, "ANO KAYA SASABIHIN NG MGA ANAK KO OR APO KO NA GANITO ANG MAIPAPAMANA KO SA KANILA" Damn right. What are my future family would ever say things about me on how I brought them up in this broken economy? They're not stupid to tell stories about how I ever got myself like this. Oh no, we're not talking about money. What legacy can you share with them? How did you become so credible in building your own empire or the best version of you? Hating it? Remember that this is my opinion. If you ever got hurt, your insensitivity is not my responsibility. Not even my fault. It's a cruel world that we try to win in life but still, frauds and challenges keep on defaming us on how we supposed to have integrity in our journey. But listen, why won't you end the pattern of that impoverished disposition that keeps on lurking in every blood in your family tree. It's a huge embarrassment not for the other prominent family nor to your husband's name but to your blood-in-line. Me? I was afraid and ashamed to wake up mine and welcome them in my world without fortitude in my ass and I don't want them to suffer from my mistakes, my limitations, my weaknesses, my debts and even from my fears and doubts. I wasn't ready to manage my people because, "Wala pa akong napundar na empowered character." I am aware that I have lots of failures and I did blame people too. I remember when I was a child, I wasn't allowed to have an overnight camp inside Ateneo De Manila Boys Scout from our St. Mary's College Girl scouting club until I made my own way on making it happened. Oh yes I did, a last minute begging to let me join in or else, for the rest of my dear life that I will never forget missing the opportunity to gain such surviving tips, social skills and any other things I can learn from that one time experience. I was like, "Why are you even so strict that you're not even tycoons? It's inside Ateneo, and it''s safe." Right now, I ended up so bad because, their fear and doubts were injected to me that even my plans in life are not well organized. Children might not enhance their decision making skills with these matters. That's not how you train your future investments for your retirement plan. Look what happened to Sarah Geronimo, venting and breaking down on her concert. Lucky for her, she has something and earns during years confinement with her stern culture.

Hear this. "Ilan taon ka ng namumuhay sa point of view mo hindi mo naman yan ikinayaman. Baka it's time to listen." Why because, nothing will ever change if you expect it from your old habits. "Wala ka naman ginagawang bago, para magexpect ng bago sa buhay mo." What if, a scenario like this, let's say. A mother has been embezzling from her investor just to earn from a living, to sustain her fraud lifestyle or to start a business for her daughter's tuition fee? What if that daughter finds out how her mother was doing all this time just to get food on their table? What. Are. You. Gonna. Be. Looked. Like? Will they be even proud of you? Probably, for my perspective. I'll rather die in starvation than to hear your poor reasoning just because, you have dependents. 

"Decisions, not conditions, determine what man is." - Victor Frankl

STOP GIVING CHILDREN'S HEADACHES from your unscrupulous ways that you're living from years. Fix your problems. Arrange your complications. Plan ahead. Think about insurances. Pay your debts. Learn hard and Study more. Face your responsibilities and stop asking it for someone. Avoid denseness that can lead to legal offenses. Stop pretending and lying. Be flexible. Adjust.

Legacy is not about money. It's the character that they can never steal away from you. And it's not even hard because, you don't have to save millions for them. It's even free, you just have to live by it. Think about Ayala Clan again. They stayed rich for many years because, being an heir is not owning a million dollar corporation, but a leadership skill that is willing to take responsibility for helping the society grow, providing jobs, establishing a foundation, contributing to our economy and expanding for more opportunities. It's not the money that they are after, it's the character of a true leader, a true nation builder who understands hard work pays off and who understands being generous is more of a blessing to come. They even study hard just to be in this famous Ivy league, Harvard University and INSEAD "The business School of the World." And there you are? Draining someone's, asking for more. Let someone work for your own benefit. A bad leverage. What are you? Using legalities to make illegal legal? That's not how money is made. Don't try to abuse the power of attorney if you still think you can pay more than enough. Karma is still part of the generational curse.

Take a DAMN LOOK AT YOURSELF. What are you proud of? Shut up, you're not. I don't want to end up like you. Like everybody else, in a grave soon to be forgotten and will turned out a fossil fuel. I want to be great. Great enough just like Queen Elizabeth I who did not follow her father's infamous footsteps King Henry the VIII, and that her tomb is well protected and worth to remember for. 

And the last thing you think about what you can give, have something like INTEGRITY, CREDIBILITY, and an ETHICAL CHARACTER. That's the best thing they could ever get from you, I didn't say money has no value but those priceless things don't have problems to carry on with it. Think about it, what if they have already known about it, they wouldn't even dare to say it in front of your face that, "Kung ikaw ang naging ama/ina ko, napakamalas kong anak." 

The family you create is more important than the family you come from.

This image was originally posted to Flickr by Familydestinationsguide.com Images at https://flickr.com/photos/195041916@N08/51903242928. It was reviewed on 23 May 2022 by FlickreviewR 2 and was confirmed to be licensed under the terms of the cc-by-2.0.

File history

The Last Will and Testament and Pre-Nuptial Agreement.

 The Last Will and Testament and Pre-Nuptial Agreement.

Update your Last will every fucking time!

Update when your BLOOD abandoned you, used you or disrespected you. Update when you win a lottery. Update when you got married. Update when your spouse cheated!!! Update when you married a single parent. Update when you have a booming business. Update when you receive your inheritance. Update when you don't have an heir. Update when you already choose an heir that will continue your legacy. Update when you're not yet married for a long time living with a live-in partner. Update when you're about to die. Update when you have a serious illness. Update when every time you feel suspicious and every time you gain something. Update when your heir is not credible or with serious illness. Update when your children have a change in personality. Update when your heirs married a liability partner that will ruin your legacy. Update when people knew about your inheritance and everybody seemed so friendly with you. Update when you feel suspicious to your life partner or business partner. Update when you're already SEPARATED, but still MARRIED!

Why is it crucial? It is a financial education for your lineage! Your money, assets, properties or anything that is solely for you. Money Wise should be an education not to be learnt only by you, because, a far greater treasure to obtain is to acquire a better legacy. You're a role model to be inherited. 

This money wise post is a security and assurance of your own possessions. A hard earned or ethical winnings that should be inherited by "the ONLY RIGHT PEOPLE" in your life.

Let me give you a true story! Do you need Tagalog for this one!? Probably. Now, a true story. This single, 3 offspring FATHER remarried, of course with a woman, she's plain single. The property suddenly or automatically went conjugal.<

Under the Family Code, all property accumulated during or preceding the marriage is considered conjugal property. This signifies that any property possessed by a wife while single is also possessed by her husband, and any property possessed by a husband while single is also possessed by his wife after they got married. According to Philippine law, when two people wed, a portion or all of their and their spouse’s assets becomes conjugal property. 

https://www.bria.com.ph/articles/how-are-conjugal-properties-divided-during-separation/#:~:text=Under%20the%20Family%20Code%2C%20all,wife%20after%20they%20got%20married.

>So, the woman has every right to the land title.

Here's the horror story. The father died. The spouse REMARRIED. So, what happened to her former family? SHE ABANDONED THE KIDS THAT SHE SUPPOSED TO TAKE CARE UNDER THE NONEXISTENT LAW of respecting your husband's children and far more worst, USING WHAT'S LEFT solely, greedily, selfishly... only by her, and not to include the supposedly BLOOD HEIRS. What happened to the 3 kids? Left squatting from different neighbours to relatives.

IN TAGALOG: Nagpakasal si tatay na may tatlong anak sa dalagang babae. Naging congugal ang assets na meron kay tatay. Namatay naman na si tatay ng maaga at may naiwang bahay at lupa kay asawa at 3 anak. Sa KASAMAANG PALAD, BINENTA NI BYUDA ang bahay at lupa at nagpakasal ulit sa ibang lalaki. ANO NGYARE KAY 3 ANAK? Nakikitira nalamang sa ibat-ibang ibang bahay, sa kapitbahay at sa mga kaanak. Walang naitapos, walang formal na pamumuhay, at walang tahanan na matatakbuhan dahil maliliit pa ito. Ang pera na sana'y naipang kolehiyo sana na galing sa KADUGONG AMA. Ang bahay at lupa na magsisilbing tahanan ng magkakapatid na sanang huling pamana na magagamit para sa mga KADUGONG ANAK. Walang perang naiwan, dinala ni byuda kasama ng panibagong niyang lalaki dahil ayon sa BATAS, congugal na ito.

Article 996 of the Civil Code states: "If a widow or widower and legitimate children or descendants are left, the surviving spouse has in the succession the same share as that of each of the children." Since there are two or more heirs, the whole estate of the decedent is, before its partition, owned in common by such heirs, subject to the payment of debts of the deceased, as provided in Article 1078 of the Civil Code.

https://elibrary.judiciary.gov.ph/thebookshelf/showdocs/1/67136#:~:text=Article%20996%20of%20the%20Civil,owned%20in%20common%20by%20such

1. If only the widow/widower is left, then she/he gets everything [Article 995, Civil Code]. 

https://ndvlaw.com/who-inherits-when-a-spouse-dies-without-a-will/?amp=1

But there are exclusive rights 🛑

Spouses Estonina v. Court of Appeals held that the presumption under civil law that all property of the marriage belongs to the conjugal partnership applies only when there is proof that the property was acquired during the marriage.

https://ndvlaw.com/understanding-property-ownership-the-legal-significance-of-the-phrase-married-to-in-transfer-certificates-of-title/?amp=1

*Check the land title if may "MARRIED TO". Meaning, civil way of acknowledging the presence of legal partner ng title holder. If meron, si byuda walang karapatan padin sa LUPA ng mga KADUGONG ANAK. If wala, pwedeng di angkinin ni Byuda ang lupa ng yumaong asawa dahilan sa di naman na acquire o nabili and lupa during marriage. If before Marriage meron ng lupa, walang karapatan ang byuda.

This is another case from an old law when a fixed marriage happened. A father gave a land title to his DAUGHTER as a gift since, it's arranged there's no love and true commitment for the both couple. The ex-husband sold the land title without the woman's consent.

See that law, KASUHAN MO YUNG ASAWA NG TATAY MO sa pagangkin ng lahat ng mana at siya lamang ang nakinabang. Soulfully, di naman siya kadugo. Kumita lamang siya dahil napakasalan. 

HEIRS

Whether you're a nobody or just a boring housewife. It is a must that you have a PRE-NUPTIAL AGREEMENT. This is a MUST security in a wealthy family. Can you imagine that you have years of hard work and even have a great legacy from generational wealth and your manipulative partner keeps on draining you? She or he might destroy the family's legacy that over the years has been following. 

https://www.esquiremag.ph/the-good-life/mavericks/fernando-zobel-de-ayala-and-hans-sy-on-succession-planning-and-raising-heirs-a00180-20180914-lfrm

Fernando Zobel de Ayala said, “The children are really raised not so they would work for the company, but for them to be successful in their own right, in whatever field they want,” assured Zobel de Ayala. “If we see that someone has the ambition and talent to join and can be competitive with the best talent that we have, then we start testing them and bringing them into the company. Because if not, they won’t succeed and won’t gain the respect of the rest of the employees. It’s not their right, they have to earn it.”

Another great thought to be prioritized is that even your FULL BLOODED OFFSPRING doesn't have the right to be an heir. Legacy is more valuable than your own kids. Obviously, they won't leave them anything like nothing at all. So, if you're someone to be proud of, start looking for the right people who will inherit. Someone who has the right to manage your HARD EARNED ASSETS.

MISTRESS BUSINESS PARTNER. 

A husband owns a business let's say it is his idea and he is a founding partner. A founding partner has more rights in the success of the business because, if it wasn't for him, her mistress shares or business will never run or operate alone. Let's say that the mistress has no skills, poor knowledge, and bad discipline in managing a cash flow. Only the Illegal one is dependent on the founding partner. Would that be the case of all assets that were from the MISTRESS is owned by the LEGAL WIFE? Of course!!! A law says, that everything from a HUSBAND that was given to the illegal partner is owned by a LEGAL WIFE no matter how the MISTRESS works as a right hand. How about the case of shareholders? Of course it's another case and another story. But if it's that the case, a legal partner is already winning than an illegal partnership. No matter what, there's no business or professionalism happening on them, right?! Talk to your lawyer. 

In TAGALOG: Si KABIT ay ang nagmamando ng negosyo ni asawa. Si asawa mataas ang pangarap at nakagawa ng negosyong sarili o ideya na pwedeng potential sa growth at success. Dahil right hand si KABIT pwede din siyang makielam sa operations ng negosyo, pwedeng makihati ng assets, possibleng kumuha o magdemand ng pera para sa gusto niyang layaw. Pagisipan ng mabuti. Ang kabit na sisira ng buhay ng asawa mo dahilan sa di nga ethical ang kilos possibleng karmahin. Sasagipin mo ba ang asawa mong nawawala na ng landas? Ang pangarap na pinag-planuhan para sa pamilya mukhang sa iba na tutuparin. Tandaan: Kung si asawa naman ang dahilan ng success ng kabit, mukhang pag PAGMAMAY-ARI ito ng LEGAL NA ASAWA. Kahit basura pa ito, lahat ng binigay ni asawa sa CONCUBINE ay hindi para sakanya.

🛑 URGENT: Kapag nakatunog kana? Iisa pa din ang BABAENG pinag-aawayan ninyo? TRUST YOUR INTUITION. Protektahan na agad ang para sa pamilya mo. 

How the Contract works here. Simple. If you're a poor person, have a PRE-NUPTIAL AGREEMENT still. What if your fiancé doesn't't want to sign? then leave him/her. A person who doesn't mind the future with you probably doesn't care about peace of mind and security. This includes INSURANCES, FAMILY PLANNING, EDUCATION PLAN and others. See the bigger picture. All start up couples have dreams and intend to save and manage their very own business. Protect your FAMILY'S ASSETS that have been established, worked and prayed for your family. Don't just let a MISTRESS dictates your ownership. So, demand any agreement because, let's make a general reality. We don't control the future like people who came in and out in our lives. They will change, if that's gonna happen. The only person you will trust is YOU.

Ex. 1. Pre-Nup Example. If a woman dies with inheritance obtained from her parents, the husband will never receive anything unless they have a BIOLOGICAL CHILD (good enough to finish college). Possible for legacy continuance. A land title would be better to give back to the named or blooded siblings. Or worst mindset, the husband will marry again and both will dictate to the assets of the dead predecessor.

Ex. 2. A husband committed concubinage will automatically end everything on a married wife. Like demanding sums from damages they have created. Logically, the male will firstly court a woman who she didn't even have a thought of loving. Until one day, the woman fell in love. In this case, if the man is only loyal to her, there wouldn't be any problem at all. But the man dictates her life, lives with him, changes her name for him, suffers pregnancy for him and others for a woman who have sacrificed for him to be his wife, WILL THOUGHTFULLY DEMAND A DAMAGE and REFUNDS for all woman has given up from his bullshit promises.

Your money, your properties, your assets and anything you will be receiving from anybody should be always up to date with whoever receives the legacy. Whether it's in your blood or not, better to plan ahead. YOUR RESOURCES should be inherited to those who respect YOUR NAME, YOUR EXISTENCE and YOUR LEGACY. 

Update your worth!

🎯 Updated to add this portion as of February 22, 2025. 

As for women's unfair circumstances. In the situation of a hard labor. A doctor will ask for a lifetime decision in choosing who is to live. Saving a mother by removing the child in the wrong position or saving the child by cutting the mother? What if you're the woman and you still want to live? It's reasonable and practical to always choose the mother who already invested years of living. What if ... And only if, there's a suspicious history or something? What if it's a woman's properties from family or hard work? Is it right to give him everything or send it back from your first family who has every right to own it especially, the once you got from your inheritance? Some cases of concubinage happen during the 1st pregnancy. The unknown dark sides of the spouses is slowly bestowing once lived under the roof. How does her body change? The tantrums and depression of a mother and the financial matters when starting a family. Nowadays how fast our matters are and everyone usually gives up too soon. Have you thought of how unfair this law is during labor? 

As for a man, this case happens on USA laws. After divorce, when a couple ends marriage, one spouse may be required to provide financial support to the other in the form of alimony. However, this is not permanent and may not be automatically granted for some factors. Usual cases are illness, financial situations like earning capacity, age for lengthy marriage and job for lack of skills. Now, what if a man's situation is being deluded from his wife's poverty in a way of escaping her unpleasant conditions? This happened on AFAMS, just an example but, not generally to everyone. This is one of the major complaints and opinions after the divorce, that they are still obliged. But, what if the woman is an opportunist who doesn't want toward her independence? He became a "milking cow" for her lifestyle. Another time and money spent for the long and legal matters only if a man has enough evidence? This case applies to both genders. It's just so common for a man to suffer like this knowing that a usual case of a woman is to stay-at-home for her health and childcare. Think about it in the shoes of a man. 

Image by 

<a href="https://www.freepik.com/free-photo/top-view-career-guidance-items-judges_27641805.htm#&position=1&from_view=collections&uuid=42f2a939-3eed-4f51-ad4f-eae2432114b9">Freepik</a>

#prenuptialagreement #prenuptials #lastwillandtestament #lastwill #Inheritance #family #familyplanning #investment #Heirs #legacy #beneficiary #succesesor #Pamana

The Sandwich Generation

The Sandwich Generation 

Isa ka ba sa mga minalas na pinanganak sa broken world na nagtaasan ang bilihin?

"Your children are not your retirement plan. Your parents are not your emergency funds."

Oh you have heard this many times, right?! Whether you're a Millennial or not, you can still be impoverished with the way you think that can affect the way you live. It's in your MENTALITY so, stop the blame. This simple education that I've realized could be helpful in surviving this broken world. I am a Millennial and I am one of the GENERATIONAL CURSE BREAKERS.

Indeed and I am the heck of a pride! What I see, notice, even learnt from my journey is everything we do has money involved. Even our life span can be lengthened by eating pricey organic and maintaining it from medication. Travelling and buying appliances that could save us more time to rest and relax. What if you don't have anything left for you because, you have an obligation that you don't have a choice but to lend or else people will judge you, Furthermore, it will lead to guilt for which we choose not to support because, it's not totally your responsibility to be the main provider.

Let's elaborate. This is the majority case. You're a man. Male, degree holder, very likely a Middle class paying job and who have found stability in a corporation. Sounds soothing! Ahhh! But But But. You're a Millennial. You have living parents who stop working for whatever the reason and no excuses here huh, just a plain example. They don't have other incomes except a pension. Basic Filipino pensioners have 8,000 pesos a month. And of course, they don't have life insurance, a business or an investment. Since you have a good paying job and you're the so-called BREADWINNER. Hooray! You are obliged to help the household and a possibility of putting your siblings in college. Your sister should not have gotten impregnated during her school days, if you want to be even luckier. 

Now YOU! Middle class salary who pays 3x bills such as ENERGY, WATER and INTERNET. Plus rent, groceries for all, gasoline, lifestyle etc. Suddenly, you want someone who will take care of you when you get older. Same what you're doing right now. How much would the dating and chasing years plus her engagement ring? You got married and whatever she finishes she should probably stop working for the sake of children. You should be ready. She might not recover and unable to continue. Additional 2 or even more mouths to feed. Their health, their schools, more groceries and emergency funds that should not have touched ever. Logically some don't have insurance for them. Ooops wait, it's the information age. Your children must have technology such as phones and laptops in case of online classes due to heat class suspension. Each must have. Computer literate people are hirable nowadays. A college ready fund must not be touched ever for assurance of not being a FAILED PARENT. And mind again the pregnancy. If you've been so lucky enough that you teach your children to take care of their responsibility of OWNING their obligation of becoming a parent. What if not, what if they still need you. Hmm 

At Last, this is a true case for some. Since you're a man. (So I am so sexist about this post.) You're well off, is enough to say you have a decent job. You're OBLIGED to HELP YOUR FAMILY'S WIFE! Why is that?! Of course, you're part of the family. It is a must. It would be so impolite if you are to make a signed agreement for assurance. Ouch. This is quite true to some life story especially, the AFAMS. Whoever you are sirs, damn you're a MAN OF STEEL. I FUCKING SALUTE YOU. 

Hey wait up! This is true in my case. I did not include our Eldest generation earlier but, this is actually rare. It happened to be the most draining part of their history. Grandmother must be saved at all costs. Grandkids lend money. Far worse. It was promised to be paid back in a land title. Of course nothing happened. 🤣 Where's the financial security? A money must be paid for an even better career but, it was all hoax and got expired. Bye opportunity. 

What are you waiting for? Anything helpful for this existing reality? Well It's just purely my opinion. This doesn't meant for you to stay greedy. Please if you do that. You'll be ruining the purpose of your living state. I don't have all of the answers. I am lacking in philosophical books. It's just my 2 cents. 😆 Yup, I don't even have a job, savings and insurance. So here's my thick face and yes, we are accepting my 2 cents. 😂 Don't be judgy, a nothing in life like me has made a lots of reflection and realization from my up and down career and business venture. So here we are. 

First, accept that this is your life. Secondly, do not accept that this is your life. I mean not in a bad way to hate it but, to change it. You've already seen and felt enough why won't you BREAK THE FUCKING CURSE. You hate this cycle and if you want to truly be freed from all of this, Well this is the best revenge is to SAVE YOUR LINEAGE from this GENERATIONAL CURSE. Nothing will go right for forgetting your responsibility. It will cause more harm. You can't even hide from it. It will be more expensive, if you don't mind the future. And guilt is lifetime poison that can never be cured. Next thing, after accepting it, you know that you still have to help because it's your family. They will save your ass when you need it. It's true but, do not believe it that much. Just don't forget to save something for yourself, not for your children, but FOR YOUR OWN RETIREMENT. Because, one day you'll never know if your next generation is willing to help you or not. And hop hop hop! Stop! You don't have the right to make SUMBAT that if it wasn't for you they'll be all dead. They are your responsibility and they don't have to pay anything in return. You created them. And with relatives, you open up your hands to help so, no asking in return. Except if you have a contract. RESPECT YOUR VALUE by putting lawful powers to the agreement. This is purely FINANCIAL LITERACY. A fair and balanced way. Don't forget that the Universe makes its way for you in the future. Just don't be so stupid that you have forgotten yourself and your dreams.

Now after you have accepted it and continue living. Hate it forever by not passing it down and don't be a burden to your children. Robert Kiyosaki said, "Poverty can be taught down." 

1.) Teach them to be accountable in their life decisions. The more you judge their opinions instead of helping them to be enlightened, the more they will loose confidence in a long run. They will gain fear and doubts that can cause job loss, perfectionism, and stagnation. 

2.) Don't criticise their ARTWORKS, creativity is already perfect. It's from their Intuition. Everybody has their own RIGHT BRAIN INTELLIGENCE. This is not yours! Let them hold money so that they won't crave it. As they step into grade 2, they should have known how to save money. That's a good sign that you're not raising a parasite. Let them love the idea of reading books. It saves more money, and even for wasted time looking for strengths and chances. And lastly, this is the number one trait of a true rich mindset, they love to learn more.

3.) For your parents, buy insurance for them. 

4.) For your wife or husband, you MUST look for a partner who is considered a business partner that builds assets not a liability. Control the money if it's not economical anymore. 

5.) For your relatives, oh JESUS CHRIST do you really have to!!! You can give presents but stop providing like they should have to be prioritized. Say NO! If you can't. If it's an emergency, have the face held high to demand a contract. This is your money. 

6.) For your lover or finance, my next post is about pre-nuptial agreement. We'll be more precise. Of course, it's not even legal yet so don't waste money on someone unsure. 

These are few of so many basics you CAN DO if you're already the filling of the sandwich. YOU DON'T HAVE A CHOICE! Just accept it. Because, if you're just leaving them all behind, GUILT, REGRETS, and MISTAKES are hard to accept, when it's already late that you should have been there at least helping them. Karmic energy will always work out for you. You have shown genuine care to your people by being generous and it will always go back for you. It's your family. Sometimes they can be the one and only help for emergencies, if you have urgent things to do or to demand and you can't find someone who is willing to do a favor, right?! Someone who can take care of your healthy meal everyday. Someone who can clean your house and let you feel it a home. Someone who can look after you when you needed a break or got sick. These are the people you can't find that can give you a genuine care. Because, guardianship in the United States of America with this "I CARE A LOT" movie signifies that even your money magnetizes demons and puts you in a hell facility. 

And if you're a truly BREAD WINNER, how the hell will you be able to provide if you needed help?, if you got sick and can't go to work? Remember, they are the one who needed help. What will happen to you or them, if you die? 

SO SO SO Think about your NEXT LEGACY. You have created them and you will still benefit from them!!! You give them life and opportunity and they will truly pay it back. The MONEY you're building from is the true INVESTMENT that someone will take care of you. So stop hating the idea of having kids and marriage is expensive. FINANCIAL LITERACY for the entire family is what we all need. When you get old, who will look after you. Your siblings is too old to take care for you. Your niece and nephews have other responsibilities, most likely their family and parents. You can never be safe from the wrong person because, money is a character changer. Better place your savings for the right people.

Create one blooded family. Established a legacy. And you'll be saved.

#sandwichgeneration #brokenworld #millennials #poverty #GenerationalCurseBreaker #generationalcurses #moneywise #moneymanagement #financialplanning #financialfreedom #financialliteracy #financialadvisor #FinancialSecurity #investment #investing #insurance #familyplanning

Unethical Practices To Adultery & Concubinage

 

Unethical Practices To Adultery & Concubinage

https://youtu.be/uIDyoBzn9Hs?si=iMoZX-vIktzhO8sh

Magingat sa mga business partner, Boss, Supervisor, Coach or Company na nilele-galized ang pagkapaired sa loob ng opisina kahit ito'y may asawa o may karelasyon. Sekreto man, totoo, tripping o sa labas ng opisina. 

Ang Money Wise post na ito ay napakasimple, at walang halong kalaliman. Matagal ng alam ng karamihan at di na bago. Dadako lamang tayo sa usapang spiritual, karma at realidad. 

Sa usapang spiritual nariyan ang tinatawag na KARMA. Kung sa negosyo at may halong immoralidad, papaano pakaya maalagaan ang future ng kanilang negosyo o empleyado kung ang tagamahala ay sakim sa sarili niyang kagustuhan. Sa Industriang BPO (Utang na loob hindi ko nilalahat.) Napagbiruang ang hanapan ng kapareha sa loob ng opisina para hindi magbitiw ang ka-team. Ito'y nakikitang huling pagasa para lang hanapan ng motivation o dahilan pumasok lamang kahit ito'y may karelasyon na. Kung ang energy ng gumagawa ay madumi, malamang ang ma-attract neto ay hindi magandang resulta. Hindi nanatin kailangan pang laliman na iyan dahil obvious ang mga dahilan.

Napakisimple lamang. Labag sa batas, KONSTITUSYON, BIBLYA, PROSESO, o inner energy ang ganitong kasamaang ginagawa. Hindi purkit may abilidad ang isang namumuno o kasamahan ay mas matimbang ang resultang kilos kesa sa character.

Kaya naman pansinin ang mga history ng mga may ganitong issues. Nagsasara lang ang negosyo, nasisisante, nalulugi, o kaya naman walang magandang progreso sa kanilang pamumuhay. Humanap ng iilang example at kamustahin ang kanilang journey, diba't hindi sila nakakaligtas sa karma? Naging UGLY PATTERN na ito kung hindi parin sila NAGBABAGO!!!

Sa usapang negosyo. Mas malala ang karma neto, kung ang isang negosyante ay hindi matino, paano ba naman magtitiwala ang investor na protektahan nila ang kanilang pera kung sila'y naman hindi marunong sa mas dapat i-prioritize. Hindi na sila malinis, paano pa kaya ang proseso? Maihalintulad na may ilang company na lumagpas na ng 5 years bago pa magloko, (5 years is considered a major success for surviving the most critical years in opening a start up business.) kasama ang legal na asawa sa pag-angat ng family business, ngunit naghanap pa ito na legal na rason kung bakit kailangan mauwi sa di kanais-nais. Perfect fit ba siya negosyo o baka naman sa susunod na proyekto? Ang kanyang investment ay makakatulong ba? O kaya't naman ang abilidad ay kailangan sa pagasenso? Kaya hindi mai-tuwid ang mali. Ang resultang ganito ay bumagsak na ito at pilit sinasagip sa panibagong pangalan o rebranding.

Sa mga empleyado, kung sila'y umaakyat sa career ladder. Ano ang kasiguraduhang kapat-dapat ang resulta kung ang proseso neto ay may halong paglalaro lamang ang alam. Na hype lang ba sa career dahil may outside motivation? The more it becomes secret, the more it will be exciting. Tama diba? Temptation sa habulan at tagu-taguan ay nakakakiliti sa excitement para di na mabored sa rat work life cycle. 

Kung ika'y naman isang matinong tao at nakasaksi ng ganitong klaseng karumihan sa iyong opisina o negosyo, mas mabuti pang ikaw ay lumayo o putulin ang kamalasan dahil ito'y nagproproduce ng negatibong ENERGY sa professional environment ninyo. 

Kung ikaw ay empleyado, huwag na huwag makikisali o kunsintidor. Kung hindi maiiwasan, dumistansya at makipagplastikan na lamang.

Kung ikaw ay negosyante, huwag mo ng intayin na makarma lubusan. Sa tinagal at sugal na naipundar mo, hahayaan mo pabang bumagsak ito. 

Kung isa kanaman owner or management, huwag ng patagalin pa na may immoralidad at unethical sa mga tao mo nakakasira sa imahe ng iyong dugo't pawis na ilan taong bini-build.

Kung ikaw ay biktima ng kaharassan, manipulation, kasingulingan o ginagamit ka lamang, Isumbong naito sa HR dahil mas maiging gusto pa ng management na mawalan ng parasite sa kanilang empire. 

Sa mga couples na nagpundar ng ikakaangat ninyo sa buhay. Protektahan ninyo ang assets, pera, o pinaghirapan. Kahit na ikaw ay di kasal gumawa ng agreement na may laban ka sa negosyong pinaghirapan ninyo. Pre-nuptial agreement para sa meron ng nasimulan, lalo na sa bago makilala ang bagong partner. Kung ikaw naman ay legal na asawa, ano pa ba dapat mong gawin? Respetuhin mo ang sarili mo na naglaan ka ng katotohanan, dugo't pawis, pera, sakripisyo at kung ano pang naipundar para ipangwalang bahala ito. Lumaban ka sa naninira ng tahanan at future savings o mas masaklap, lumaban ka sa naninira ng pangarap ninyong mag-asawa sa gustong marating para sa mga anak.

https://www.marriage.com/advice/relationship/cheaters-karma/

I tell you who your friends are, and I tell you what you are. Birds of the same feather, flock together. Energy doesn't lie. History repeats itself. You can predict a person's behavior by analyzing the people they hang out with. Rat Race is for someone who doesn't learn. You are the company you keep. Like father like son. Like attracts like. Your choice defines you.

🛑 BUT REMEMBER REMEMBER, Spritual nga tayo tungkol sa swerte sa profits pero may BATAS padin dito.

Ang kalokohan sa loob ng opisina ay isang private matter. Sa trabaho we go to work for money. Kapag nagkasakit or namatay ka truly, wala silang pakielam sayo dahil mag-hihire lang sila ng bago. Sa ganitong aksyon, mapa-SUPERVISOR or NEGOSYANTE dapat wise sa mga actions. Tingnan ang policy kung may ganito na mag-fall na immoralidad ng opisina bago mag-sisante. Kung wala, mas maiging MAG-SAGAWA NG BATAS sa kompanya para may kontrol sa ganitong scandal. Pwedeng may sigaw ang mga HIBANG sa hustisya kay DOLE dahil nagagampanan naman nila ang kanilang pinirmahang employee's contract. Kadalasan sa kompanya wala silang pakielam, as long as na hindi maapektuhan ang trabaho at pangalan. Walang krimen tulad ng harassment. Ngunit, sa usapang kabitan at may mga asawa, pwedeng magdesisyon para sa makakabuti ng reputation ng kompanya. DAHIL ANG MARRIAGE ay isa sa pundasyon ng KONSTITUSYON kaya malakas ito kahit walang company policy ukol sa infidelity. Basahin ang nasa link sa ibat-ibang issue at batas ng company. May iilang company na mas pinili ang batas ng Pilipinas kahit wala ito sa Company's Policy dahil isa naman talaga itong krimen na nagagawa at dawit ang company. (Ex. Nagpost ang asawa na "legal" nadawit ang pangalan ng company's name. Automatic fired sila. Kasi negatibo ito sa imahe. Nagkaroon ng scandal. Madumi, Unethical, Immoral at higit sa lahat Illegal.) 

https://www.reddit.com/r/phcareers/comments/15top3r/is_it_normal_to_tolerate_cheaters_from_work/

Repost: (From my previous selfie post July 25, 2022. About how energy works for immoral characters.)

"Everything you do to me, already done to you." 3rd law of motion is always at work. "For every reaction, there's an equal force and opposite reaction(direction)." - Newton 

If you're Scamming now, Stop, because, it's already adding to the length of your repayment. 

If you're bullying now, Stop, because the time of your healing will take too long. 

If you're hard headed Ignorant now, Stop, because your stupidity will eat up the time of your growth. 

No need for revenge. No need to explain how clean and right you are. Before you meet them for the 1st time, before they plan anything against you, their negative forces are already written in their karmic vibrations. 

Doing the right thing, even nobody knows, will always bring the right thing to you.

Remember Amber Heard's case. The greater the damage she made, the greater she's paying now. Basic.

*People who cheat on their spouses are significantly more likely to engage in misconduct in the workplace, according to a study from the McCombs School of Business at The University of Texas at Austin published today in the Proceedings of the National Academy of Sciences of the United States of America.

*they studied were more than twice as likely to engage in corporate misconduct.

*Their findings suggest a strong connection between people’s actions in their personal and professional lives and provide support for the idea that eliminating workplace sexual misconduct may also reduce fraudulent activity.

*Our results show that personal sexual conduct is correlated with professional conduct,” Kruger said. “Eliminating sexual misconduct in the workplace could have the extra benefit of contributing to more ethical corporate cultures in general.”

https://news.utexas.edu/2019/07/30/marital-infidelity-and-professional-misconduct-linked-study-shows/

https://www.askamanager.org/2013/12/should-an-extramarital-affair-disqualify-someone-from-a-promotion.html

Image by 

<a href="https://pixabay.com/users/jmosoyan-2682014/?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=1431256">Mosoyan Zhora</a> from <a href="https://pixabay.com//?utm_source=link-attribution&utm_medium=referral&utm_campaign=image&utm_content=1431256">Pixabay</a>

#karma #infidelity #adultery #concubinage #cheating #spiritual #badluck #businessgrowth #MoneyWiseTips #moneywise #GoodLuck #business #businessethics #workethic #workethicmatters #investment #LawOfKarma

"Tubong Lugaw Strategy" Financial Frauds Estafa by Misappropriation

 

"Tubong Lugaw Strategy"

Financial Frauds
Estafa by Misappropriation 

https://bjs.ojp.gov/taxonomy/term/financial-fraud

Magingat sa mga salesman, business partnerships, franchisor, o negosyo grabe ang maka-KICKBACK sa financial reports, negotiation, agreement o benta.

https://ndvlaw.com/another-type-of-fraud-simple-estafa-by-misappropriation/?amp=1

“Tubong-lugaw ” is a Filipino entrepreneurship term for “small capital, large return” investments.

https://fastercapital.com/topics/overpaying-for-a-start-up-business-can-increase-the-likelihood-of-failure.html

Normal sa negosyo magdetermine ng kikitain sa produkto, serbisyo o sa kahit anong pwedeng makuha sa transaction. 

Ngunit hindi normal na bababa sa hindi kahit kailaman magiging legal ang pagpatong ng sobrang laking tubo sa isang agreement o benta kung wala itong tunay o sapat na dahilan para lang umabot sa katakot takot na pagpresyo. Hindi ito magiging legal kung may halong kasinungaling para lang magmukhang legal ang pagkita sa inaalok. Kahit ito'y napirmihan o alam ng isang biktima, pwede itong mauwi sa cheat, fraud o swindle. Bawal ang may tinatago at pagsisinungaling.

Swindle use deception to deprive (someone) of money or possessions.

"a businessman swindled investors out of millions of dollars"

obtain (money) fraudulently.

"he was said to have swindled $62.5 million from the pension fund" by Oxford Dictionary 

Unang halimbawa nalang ang magbenta ng system (technology). Nakasaad sa breakdown ang presyo ng website ng nagkakahalaga ng 900,000 pesos. Kumabaga hindi techy o bago sa industria ang investor, maniniwala nalamang kaagad ito lalot pang hindi ito na review ng eksperto dahilan nalang na nagtiwala sila. At isa sa pinaka mabisang feedback ay maghanap ng negosyante o negosyo na may kasing tulad sa inaalok at magsagawa ng research. May posibilidad ba na ito ay magtatagumpay in a long run? Ilan taon ba bago ito'y mabuo? Willing kabang MAGTAPON AT SUMUGAL sa di siguradong systema na kung saan paglalaan talaga ng pondo ang start up at ito'y walang kasiguraduhan? Kilala mo ba ang ugali ng mga nag aalok na may entrepreneurial discipline para ito mag last into milestones?

Pangalawang example ang mga binebentang machine o appliances. Kung ito ay kakaiba at pambihirang kagamitan, madali na lang talaga higitan pa lalo't na kontrolado nila at mas nakakaalam ng kanilang negosyo. Alamin ang source ng supplier. Huwag magtiwala sa mga resibo na baka naforge or kakuntsaba na ang supplier. Ito ba ay imitation na murang halaga lamang? Ito ba ay second hand? Kung totoo naman, bakit kailangan pang patungin na halos more than 50% para sa gamit pangnegosyo? Kung recycled items, ipasilip sa technicians at alamin ang model ng loob kung ito ba ay nagamit na o luma and reasonable price ba sa nakadeclare sa auditing. Tulad nalang na pinagiinvest ka ng 200k kahit 20k lang naman ang kagamitan.

Susunod pang example ang mga supplies. Kahit na maliit ang patong, tama ba ito'y may kickback sa bawat produkto. Kung may kickback, possibleng hindi ito alam ng kasyoso na kumukupit ng pabaryabarya na dapat sa profit ng opisina mapupunta. Malaki na ang tubo kung tutuusin sa overall and each product ng restocking. Sa ganitong paglusot, as an investor ay karapatdapat lamang na malaman ang pricing contract sa purchasing ng supplies. 

⛔ (This is a must read article.) 🛑

https://missionpeakbrokers.com/overpriced-business/

*Business brokers who provide accurate feedback on more realistic pricing significantly enhance the business being sold and in a timely manner. 

*Credible business brokers that have the training and experience to perform business valuations, should be able to show exactly how they arrived at their listing price. 

Advice: Bago sumugod o maglabas ng pera. IPAIMBESTIGA sa business lawyer o BUSINESS BROKER, business mentor o pwede sa taong nasa loob ng ilang taon na naglalaro sa INDUSTRIA. Magresearch sa history ng negosyante kung meron man, manghingi ng feedback sa knowledge at skills nito lalo na sa past business experience sa nakakakilala sakanila tulad ng previous partnership. Ipagpalagay nalang natin sa mundo ng technology. Dumadami na ang need ng advancement para sa serbisyo ng client o customer. 

1.) Sa tingin ninyo ba 900K ang website? Hindi. Since usapang technology, magpakonsulta sa may expertise sa ganito. Example nito ay isang professional na I.T. Programmer, Web Developer o Software Engineer.

2.) Kung tungkol naman sa MLM ang company, maghanap ng Network Marketing guru na hindi peke ang achievements for show offs. Better mga 20 years na sa Industry at tumagal sa operation or management. 

3.) Kung investment scheme naman, sa isang Stock Broker, Accountant or Financial Advisor.

4.) Kung tungkol sa mga contrata kung gawa-gawa ng walang formality, clauses is misleading, manipulation sa dictation ng pera at trabaho o higit sa lahat ninakaw or kinopya sa ibang company ang kontrata, mag pakonsukta sa Business Lawyers. 

5.) Kung tungkol sa mga gamot, klinika, wellness products dapat pa ito'y mas masilip ng eksperto kung totoo ba ang mga marketing information. Isa itong crucial move ng hindi ma-question ng FDA o DOH. Maghanap ng TUNAY na mga may alam sa MEDISINA, mas maiging specialista ang mga ito. Mas mabuti ng sa hindi basta-basta nagtagal lamang sa Industria, na akala naman mabigat na ang alam sa Nutrition and Food Medicine. Iba padin ang practitioner na licensado kesa sa certificate lang ang training. Papano nalang kung substandard ito? Papano na lamang kung di sapat ang learnings at gamitin ang basic knowledge upang magkatrabaho lamang? Kadalasan sa mga nagaalok ay naturuan lamang sa training kung pano iMarket or iSalestalk ang serbisyo o produkto.

Maging best na halimbawa ay si DRA. Farrah na nag peke ng HAVARD DIPLOMA niya, ng nasilip bigla na itong tinaggal. Si DR. ADAM naman na ang kanyang kinalaban na may 20 YEARS na PRACTITIONER ay ibinabaligtad pa ng WELLNESS BUSINESSES sa Pilipinas. Kahit na kilala, may pera, titulado, o sikat huwag agad maniwala tulad na lang ng NAPASARANG OSPI-OSPITALAN ni Farrah na nagbigay ng false hope sa cancer patients niya. Imbis gumaling, nagsipagmatayan pa. Isa nading naging maingay na kinalaban ni Dr. Adam Smith ang CEO ng Glutalipo at ang DOH naman, konpirmadong unsafe ang COPPERMASK ng JCPremier dahilan sa ang unang design na ito ay may butas.

See documentation on Youtube Jessica Soho for Dra. Farrah. 

https://youtu.be/tsBYQMgms7g?si=JurgqwpmdJ_mSgTw

See video for FDA vs Glutalipo

https://youtu.be/ftyEo82ELdY?feature=shared

https://www.facebook.com/share/p/dQueVe3rgEx71rsY/?mibextid=xfxF2i

See YouTube for CopperMask of JCPREMIER 

https://youtu.be/lXL5feSTySc?si=e68gbIHNG0c2JNnW

"I realized a huge number of people in the population believed they could treat their medical illness with supplements and vitamins which was crazy to me. ... These companies and individuals are very happy to use the Philippine Justice system to silence free speech and to silence any criticism." - Dr. Adam Smith Critical Care Medicine Specialist 

EXPERT MUNA! KUNG WALANG ALAM SA PINAPASOK! Ang minsetting sa negosyo ay napaka daling UMAARTE dahil kailangan ng dark psychology pagdating sa sales. Pinaka masaklap pa na gamitin ang titulong DR. or MD kahit di naman tunay na medical liscened.

Ang pagiging EXPERT ay dumaan sa matagalan pagINVEST sa edukasyon, sakripisyo, at oras. 

At sa pinaka-huling halimbawa. EXPERT KUNO daw kahit ito'y bago lang napag-aralan, bago lang na-serbisyo, bago lang nai-offer o bago lang iNegosyo ng nakasaad sa marketing materials. Isa din sa nakakatakot na ideya na di man lang nagumpisa sa mababang presyo dahil ito'y baguhan pa lamang o isang AMATEUR. Alamin kung mahusay bang nakapag formal training dahilan sa ang legit certificate ay binabayaran na. Icheck ang petsa sa certificate at marketing tactics nito kung realistic ba ang mga pangyayare.

AMATEUR, means a person who follows a pursuit without attaining proficiency or professional status.

AMATEUR often applies to one practicing an art without mastery of its essentials. By Merriam-Webster.com

Kaya hangga't maaari Ipasurvey! Masyadong O.A. ba ang patong na pera? Kung legit at existing, bakit naman sobra-sobra ito? Huwag na huwag maniwala sa kilalang abogado o connection nila. Huwag sa abogado lamang ipareview ang agreement. Mas maiging sa expert na mismo. At maghanap ng negosyanteng pareho sa inooffer nila na may tunay na karanasan ng ILANG TAON operation kung willing bang sumugal sa start up?

(See other Money Wise post for ANGEL INVESTOR and START UP business tips.)

Laging tatandaan! Kung ano man bago sa pandinig lalo na may malaking perang involve, huwag magdesisyon magisa. Huwag magtiwala kahit kaibigan o kamag-anak pa sila. Magpasurvey! Baka naman nagtatapon kana ng MILYON sa di mo kilalang kaibi-kaibigan agad?

Remember, sa mga large scale stafa or syndicated stafa, hustisya nalang ilalaban nyo sa laki ng na "NAI-WALDAS" wala na silang maisosoli. Sa laki ng "NAITAGO", nakakatakas pa sila. Hahayaan ninyo paba ang mandurugas sa buhay ay makalusot o manalo sa kalokohan muli?

MODUS KUNG ITO'Y PAULIT ULIT NG GINAGAWA.

*This is the best legal way of stealing someone's hard earned money secretly. Think about it. In what way you could earn justice from this? If you don't know. 

A PUBLIC AWARENESS.

***A financial education for everyone. Feel free to educate me for everyone's benefit of protecting their family's finances, family's savings, and family's emergency funds. Let's help one another.

https://www.investopedia.com/articles/fundamental-analysis/financial-statement-manipulation.asp

https://www.quora.com/What-if-a-business-releases-a-fake-financial-report-for-example-if-they-report-a-profit-but-they-actually-lost-money

https://corporatefinanceinstitute.com/resources/accounting/financial-statement-manipulation/

#tubonglugaw #scam #fakenews #estafa #largescale #misappropriation #fraudprevention #FraudAwareness #FraudAlert #FraudAwarenessMonth #falsification #system #business #Healthalert #misleading #modusoperandi #investment #financialfraud #financialplanning #InvestWisely #protectyourinvestment

Startup Con Artist "The Hawsyaw Business" Investment Fraud To Syndicated Estafa

 

Startup Con Artist

"The Hawsyaw Business"
Investment Fraud To Syndicated Estafa 

Magingat sa pekeng negosyante na magaling maglegalize ng motibo.

"hawsyaw" meaning in Tagalog

Adjective: bogus; phony; fake

Derived forms: hawsyawin, napakahawsyaw

Noun: something or someone bogus

pseudojournalist (especially those who cash in on payoffs and bribes made by news sources, particularly during elections)

By kaikki.org

https://www.entrepreneur.com/leadership/its-time-to-talk-about-startup-scam-artists/295304

The scammer will invite you to start up a business in a way they want to manipulate the costing. It will let you believe that they have a much higher share compared to what you have contributed and demand to have higher profit.

https://www.williamcausey.com/blog/2022/09/is-it-legal-to-lie-to-investors-about-your-business-concept/

Ang kadalasan na biktima ang mga taong walang alam o bago sa pinasok na negosyo. Dahil hindi nila alam kung gano ba talaga ang gastos sa pagumpisa. Ang kadalasang biktima ang mga investors na walang kontrol sa management, isa lang silang pumirmang investor, walang karapatang makielam sa systema ng negosyo. Hindi handy sa operations kaya kung ano ang nakasaad sa reports possibleng ito'y nakaforged na. 

https://victimconnect.org/learn/types-of-crime/financial-fraud/

Ipagpalagay na 5M ang napagusapang capital. Nakadeclare na siya ay may 3.5M at ikaw naman maglalabas ng 1.5M. Ang share naibahagi mo na isang milyon at kalahati ay doon lang papaikutin lahat ng gastos. Sakatunayan, 1.5M lang ba o mas mababa pa sa totoong magiging gastos sa pagpapatayo or pagumpisa.

Imagine wala na iambag ang kasyoso, ikaw lang ang pinaglabas ng pera, nakihati pa at mas mataas ang makukuhang pursyento pagdating sa shares.

Isa pang way para mas hindi obvious na malinlang ang iisang investor lang ang maglalabas ng pera ay ang grupong magkakaroon ng agreement na kunyare naghatihati sila sa 2M na pondo para sa 5M na korporasyon. Marami daw ang naginvest.

Advice: Sa mga papasok sa bagong negosyong di nila forte o di alam, mas mabuting magkaroon ng mentors na matagal ng naglalaro sa ganung industria. Ibigay sa abogado ang lahat ng pirmadong contrata, agreements at higit sa lahat ang accounting. Siguraduing naka notaryo at legal ang lahat ng documento at ikay may kopya ng lahat ng napagkasunduan. "HIGIT SA LAHAT." Bago maglabas ng pera, IPAREVIEW sa taong nakakaalam ng ganun klaseng business lalo na ang financial agreement, breakdown o capital. Gumawa din ng investigation or survey kung may history naba sila sa pagnenegosyo. 

 

Tandaan. Bilang isang ANGEL INVESTOR na may 75percent rate of losing from startup ay isang malaking sugal. Walang karapatan makielam sa negosyo kung nakakontrata ay investor lamang at di parte ng management o walang Shareholders Agreement. Malaking ibig sabihin na walang alam ang investor kung ano ngyayare sa perang pinasok nila kahit pakitaan pa sila ng "forged financial statement". Ang angel investor ang isa sa PINAKALUGI dito dahil hindi naman sila makakakuha ng growth or learnings sa negosyo dahil tagainvest lamang sila. Ang mga negosyante lang ang lamang, natuto, nagkaexperience, o nakascam (if there's a deceit or fraud involved) sa pera ng ibang tao.

Walang masamang sumugal sa negosyo pero maging mabusisi sa mga nagaalok ng investment para sa kanilang motibo na sila lang nakinabang sa perang nageexist. Kung gustuhin man, huwag solohin ang desisyon. Magpakonsulta sa business lawyers, business brokers or sa consultancy agency. Higit pang maghanap ng matagal na sa industria kung naguumpisa palamang maginvest sa hindi alam na service, produkto o systema. Malay ninyo na hindi naman aabot sa Milyon ang puhunan o may butas sa mga documento. Kung ganito man ang katotohanan, saan pa napunta ang ibang pera na para sana sa pondo ng iyong partnership.

Kung Ito'y SUCCESSFUL FRAUD malamang eto lang ang only income skills ng isang scammer at eto lang ang way niyang mag generate ng wealth dahil hindi nila alam pano magoperate ng totoong cashflow. Means, MODUS na ito na nakabiktima sa previous na investor. Kilalalin ang lage nilang kasama sa operation. Kasama din sa SYNDICATED ESTAFA ang mga tauhan na sumusunod sa illegal na action sa loob ng opisina tulad ng accounting, sa pagaudit, sa pagdeclare ng financial reports dahil sila sila lamang ang nagmamanage ng kaha, kahit hindi sila kasama sa investment fraud scheme.

Paano hindi nahuhuli? 

(See previous post about Bankruptcy to Estafa for more supporting links.) 

Ang pagiging isang Angel Investor ay 2 klase. Shareholders vs Investor. Ang Investor ay kadalasang ginagamit itong simpleng term sa naginvest pero may pagkakaiba ang dalawa. Mas piliin padin ang pagiging shareholders para may kapangyarihan makielam at bumusisi ng mga galawan ng isang management dahil dito nakasaad sa Shareholders Agreement ang detalyeng securidad ng isang investor. Bilang investor naman ay nagiintay kalamang sa Financial Return over the period of time. Dito na! Nagkakatalo, once nalugi si Investor na walang kaalamalam sa tunay na ginawa sa kanyang pera ay mauuwi sa dahilang "BANKRUPT! sugal ang negosyo, at least we tried." na klaseng mind setting.  

So, anong klaseng investor ka? Kung ika'y shareholders dapat parte ka ng Board of Directors, may ownership ito at pagdating sa liquidation, baka wala ka ng makuha kung wala ng matitira. 

🛑 Higit na sa tatandaan!!! Kung iilan lang pala kayong naginvest dapat BOARD OF DIRECTOR KA! dapat MAY CONTROL KA SA OPERATIONS! HINDI LEGAL NA TAGAINVEST KA LAMANG kasi sa laki ng pinasok mong pera, considered ka na isang equity or common shareholders na may SHAREHOLDERS AGREEMENT na pipirmahan! Ang may parte sa ownership, ay may karapatang makielam sa management at operations.

Upang makaiwas sa ganitong KAGALING NA PANLOLOKO, magpasuri sa mas nakakaalam ng hindi mabudol. Kasi sila ang kumukontrol ng negotiation. Sila ang mas nakakalam ng motibo at negosyong inaalok, kahit na may experience na sa pagnenegosyo, mas mabuting huwag silang hayaan magmando ng dapat gawin. Mas maiging hindi nila kilala ang abogado o experto para ipasurvey ang business proposal bago maglabas ng pera.

Kung sakali man TOTOO ang negosyo. Magiging totoo paba kaya ang systema, operations at mission ng mga kasyoso kung sa umpisa palang may PANDARAYA na naganap. Naumpisahan ng mali at ano pang susunod na ugali ng mga nanlalamang pagdating sa day to day transaction ng customer paakyat sa management. Kung walang alam sa pag-generate ng wealth, paano pa kaya ang cashflow ng kompanya? Puro loan at mindsetting nalang ba ang raised additional capital para lang masagip? Paano ang kinikita bawat araw o buwan, may nababawasan ba sa auditing? Magisip. 

Kung TOTOO man na may masisimulan bakit napakatagal magumpisa? Bakit wala pang promotions and marketing for public knowing? Totoo nga na may nauumpisahan sa galawang gastos sa documents. Pero ang pera naibigay ay unti-unting nauubos kasi sa ideayang konti lang naman, meron pa naman iniintay na NEXT investor kapag naubos, o kayat naman konti lang talaga ang puhunan. Ang pera na sana para sa negosyo ay ginawa ng pang-galaw o pang-gastos na hindi pa nakadokumento as official company's expenses. Logically, papano na kapag wala ng mailalabas. 

Incur Personal Debt

If an owner or founder does not have enough capital on hand, they may decide to take out personal loans to finance the company. The company likely can't receive a loan (or receive nearly as favorable loan terms) because it does not have an established financial history as the founder has. Because this bootstrapping method results in personal debt, the owner is personally liable for debt and may have personal assets seized should they go bankrupt and default on the loan. 🛑 Pero ang tanong, utang ba or swindler ang pagkuha ng pera? Pano hindi malaman na may fraud sa negotiation? Simple. Breakdown ng capital ng investors or owners ay naiadjust sa kunyare meron silang naiambag. Para kapag nalugi wala silang problemang loan dahil hindi utang ang pondo. 

https://www.investopedia.com/terms/b/bootstrapping.asp

Sa SYNDICATED ESTAFA mas successful ang masamang plano dahilan sa may taga MOTIVATE sa isa't isa para gawin ito. Kaya dapat naman talagang ipag sa BATAS sa dami ng manloloko mas nag leleverage ang motibo ng makapanloko pa. Mas marami ang galawang immoral at unethical sa loob at labas ng opisina. 

Remember, sa mga large scale stafa or syndicated stafa, hustisya nalang ilalaban nyo sa laki ng na "NAI-WALDAS", wala na silang maisosoli. Sa laki ng "NAITAGO", nakakatakas pa sila. Hahayaan ninyo paba ang mandurugas sa buhay ay makalusot o manalo sa kalokohan muli?

MODUS KUNG ITO'Y PAULIT ULIT NG GINAGAWA.

*This is the best legal way of stealing someone's hard earned money secretly. Think about it. In what way you could earn justice from this? If you don't know. 

A PUBLIC AWARENESS.

***A financial education for everyone. Feel free to educate me for everyone's benefit of protecting their family's finances, family's savings, and family's emergency funds. Let's help one another.

https://businesskitz.com.au/investor-vs-shareholder-the-differences/#:~:text=If%20you%20choose%20to%20invest,a%20few%20differences%20to%20note

https://www.sec.gov/investor/pubs/tenthingstoconsider.htm

https://www.robertmhelfend.com/federal-defense/misappropriation-of-funds/

https://millerlawpc.com/shareholder-fraud-common-examples/

Startup Scam:

https://youtu.be/HwDGGaIuO6g?si=Vvd_23sa_KRf-Qm7

https://www.entrepreneur.com/leadership/its-time-to-talk-about-startup-scam-artists/295304

https://fastercapital.com/content/Avoid-Getting-Scammed-by-a-Startup.html

https://www.inc.com/joe-procopio/startup-scams-bad-choices-every-entrepreneur-can-make.html

Real Stories Scam:

https://www.cbinsights.com/research/biggest-startup-frauds/

https://www.investopedia.com/articles/investing/020116/theranos-fallen-unicorn.asp

#estafa #syndicate #syndicated #syndicatedestafa #swindler #Swindle #conartist #ShareholderRights #shareholdersagreement #shareholders #shareholderdisputes #BusinessSuccess #businessgrowth #business #entrepreneur #businessopportunity #financialliteracy #FinancialSuccess #FinancialWisdom #financialfreedom #InvestmentOpportunity #investment101 #businessowner #negosyo #NegosyanteMindset