Thursday, September 7, 2017


I won’t discuss here the differences between rich and poor people that maybe you heard million times with other financial literacy talks and read on your social media sites. In here, I will talk about on where the rich people uses the word LEVERAGE. 

Let’s get to the point: 
1. TIME - We all have 24 hours in a day but why majority asked themselves why others seem to accomplished many things and why they don’t. Successful people know how to manage their time and priorities. They know the limited time they have in every single day, so they leverage on other people’s time. They knew how valuable their time is and that is the main reason they wisely delegate tasks to the people they hire. They carefully chooses, trains and trusts the people under their wings. They are not wired to micro-manage their business but they are equipped to expand their ventures. 

Time is a very expensive commodity. No one can buy time to have it back or to have more. 

2. TALENT - Ultra successful people admit to the themselves that they DO NOT KNOW EVERYTHING and that is the primary cause why they hire people who is wiser, skillful and more experienced than them. 

They leverage other people's talent for the benefit of their companies. They trained themselves to listen to new ideas and suggestions. They are willing to spend huge amount of money just to get the best talents. 

3. MONEY - You will not see successful people on the streets selling their ideas. Investors come to them and demands to take their money and be their partner. They are so well-known to be trusted about money of others and on that, they know how to expand or make their ideas work through other peoples’ money. Oh, and one more thing, if banks phones you offering you a loan, sending you a credit card without credit limit or sending you blank cheque... CELEBRATE! The bank is seeing something in your bank account that most of the people don’t have. 

Build a reputation that everyone will trust and make business with you. TRUST and REPUTATION are the main ingredients for you to maximize the power of other people’s money. A small talk of negativity will risk all the foundation you constructed. Be very careful not to mire the trust of your investors.  

4. SYSTEM - Whenever you set foot at McDonalds or Starbucks ordinary people will see the products but goal oriented people see the SYSTEM behind every successful businesses. And that is why, the franchise was born. We all know that McDonalds do not serve the best burger in the world but why people love them? It is the marketing, the development of their products and quality of staff’s services. It means, the system. Rich people invest on system, people, vision and not entirely on the PRODUCT. 

Franchising is the most effective way to join the company’s achievements. Multi-level marketing too. Why compete with the giants? Join the giants! It saves your time, your energy and the success rate is high. 

Or if you think you are better than them, innovate their system. 🙂 

Hope these four enlightens you as you go through your life and make the most of these things that you need to LEVERAGE. Start step by step. And you will prove that it will fast track to reach your goal. 🙂

Thursday, August 17, 2017


I am not here to educate you about bitcoin; why it was created, who is Satoshi, and how radical the changes it may cause to an economy. Below is the best video I have found for you to understand a deeper perspective what money is today and how bitcoin can totally make difference in the banking system and in our day to day lives.

Before watching this lengthy video, kindly forget first what the mainstream media have propagated now about bitcoin. I bet, they do not want you to know how crooked the fiat money you are holding to. 

I saw a bitcoin atm last 2013 here in Singapore and I just took a glimpse and smirk on the idea but do not get me wrong. My husband and I knew about the quantitative easing and how the government will collapse when they will not bailout the banks but we just do not believe that this bitcoin can be huge enough to smash a thick wall of these two conglomerates (government and banks).  

Fast forward 2017, February, my Uncle Bert from Dubai visited us and talked to my nephews about gaming sites that rewards bitcoin. I just smiled on the idea. Come June, while I am in plane going back here in Singapore I heard about this Infotech and explained what will be happening in this event. 

When I reached our flat, I enthusiastically told to my husband about it. With that, we started to study about blockchain, read white papers, joined groups (like Bitcoin PH) and make our ears wide open on talks that are happening. Then, we smashed the nail in the head big time! We found out a lot and all I can say banks and governments are now into this blockchain. Why? If this radical change of currency will go through, citizens of Earth will not need a bank (who will use bank if interest rate is too low) and will be free in paying some taxes(bloodline of government). 

In addition to that, many companies are now incorporated and affiliated themselves to blockchain companies to build their system on a digital ledgers. Some banks in Switzerland are now compiling legal regulations to tokenized some of their clients assets and equities. (These are clues— you are welcome) 

Abbey and I support this advocacy and that is why we invest in bitcoin. We can’t wait now that this currency to be accepted to most of all stores and used it as medium of trade. :) 

If you want to have a free bitcoin. Yes free! These are the faucets ( [per hour]and moon bitcoin every 5 minutes] ) that I used to get some of bitcoins while I am studying them. As you all know, I have a low tolerance in wasting time. So I am getting some BTC dust (satoshis) than nothing at all.


If you are ready to invest, you can use Coinbase, Bittrex, Coinhako (Singapore/Malaysia) or (Philippines) to buy. Those are exchanges and wallets too. 
If you want to know, if I mine? NO! It is a waste of resources, there are too many huge players now. As in huge! Their properties are so big that they seem to look like they are mining a physical gold.

From here, I do hope that you will dig deeper about bitcoin, its feature and future and stop listening to mainstream media about it. 

Exceed it bitcoin! TO THE MOON!
Next post, wait for our ETHER! :)

Note: Virtual currencies are very volatile. Study before invest. Invest at your own risk. 

For your safety, before registering any site for coins, you please check They compile websites that propagates  BITCOIN SCAMS. 

As of now, with our bitcoin, it already gained 50%+ more. On on our ether, it gained almost 80% as of this date.

Studying this two pays off! :)

Friday, July 28, 2017

The Five Greatest Commandments of Multi-Level Marketing / Direct Selling

Multi-level marketing? Really Wilma? You will discuss this? Well, why not? I saw my sister's bank account proliferate in a way I didn't expect. That time she is a member of Sundance, Avon and even Tupperware.

She became a millionaire! Below, I will tell you how she've done it and I do hope that words, sentences, and paragraphs below will enlighten you that not all MLM or Direct Selling are scams. For all the first timers and people in this kind of business who's not generating much, this post is for you.

MLM is not a Pyramid Scheme. First of all, let's differentiate Multi-Level Marketing/Direct Selling from Pyramid Scam. 

Now that we all know the differences, let's go to our main subject for this blog post. 

The Five Greatest Commandments of Multi-Level Marketing / Direct Selling 
1. Do your homework. Investigate the company. 
It is a non-sense if you will put money to a company you didn’t even know. Research for its legal documents. Does it have a good reputation among multi-level marketers? Interview your upline. Review its program and understand the compensation plan. 

2. Be a customer.. a “LOYAL CUSTOMER” of the product they are offering. 
Find a company with a product you love to use. MLM/Direct Selling companies offers goods (unlike Pyramid Scheme), be the number one fan of their products. 

Your enthusiasm, your life changing story, health benefits you are experiencing is an indirect marketing. Your personal success and relief and fashion in using your product will be an inspiration to others. 

My sister believed in the product she sells and she is so into it. We tried the Sundance sandals and we loved it too! Every one in our family became her customer. Even our relatives, then our community. 

3. Expect rejection and be ridiculed BUT remember why they say NO. 
Here comes why some of MLM marketers / direct sellers were tagged as annoying people. They were trained to pursue people until they get their YES! Oh my! It annoys me too. 

Do not pressure your family and bombard your facebook friends with your private messages to be your downline or get a product from you. Please put some respect and dignity to yourself. 

If you asked them and silence is a response, learn to walk away. You will save a ton of your own effort, time and energy to people that will eventually will not work for the success of your team. 

MLM is a team effort. Greater result will be accomplished when working together hand-in-hand.


4. Don’t show off your cheque or money. 
Let’s face it! Many people in this MLM circle is exaggerating their income. Haha! This is to trick the other people for them to be their new recruits. 

Here is a NEWS FLASH for all of you: MLM is not easy! You need to work your a$$ off to get your target income. 

I remember my older sister carrying too many boxes of shoes and other products. How many is many? That our house looks like a warehouse. If you need a marketer? Look for my sister. Haha! 

There is no reputable company that will pitch a quick-rich scheme. Remember that. 

5. Don't damage your INTEGRITY.
Only tell the truth, do not fabricate success stories just to encourage people to sign-up or buy your products. Be honest and for sure they will make another business with you. 

Friday, July 21, 2017

Amber Beila's - 6 SESSIONS: Brazilian IPL with E Frost Machine Treatment and Mask

Going to waxing salon is a must for me and sometimes that routine is quite tiring. While browsing the Groupon (Now Fave) webpage, I stumbled upon a very low and reasonable price of Brazilian IPL at Amber Beila. The location is quite near at my office so I bought a package for 6 sessions for only S$80.00

E Frost Light Machine
Italia Belleza
When me and my colleague arrived, as usual, they are introducing another product...pain is lesser and the effect as they claimed is “instant”. We waived that off and go on as per our voucher. 

To my surprise, there’s no cooling agent applied and directly lasered the area. It was painful at first (unlike the Strip). In less than 10mins our first session is over. 

Only on our second meeting, they put a mask on my sensitive area after the laser session. It stayed on for 10mins. It smoothens the skin. 

On 5th session, the attendant is very pushy for me to get another 10 sessions. Frankly, I told her that I am not satisfied with my 6 months of stay there.

Amber Beila's IPL with E Frost Machine Treatment and Mask
1. The inner part hair didn’t receded. It grew back as normal. The texture seems no difference. 
2. I am not sure if they changed the towels used inside their cubicle for each customer. 
3. In my first time with them, they charged me off $20++ for not shaving off. That is insane amount! 
4. The attendant is kind but they are as I said pretty expressive in selling their products.

You can check their packages at their website or at FAVE.  

Amber Beila
(A) One Raffles Place #05-19A

Thursday, June 15, 2017

Boss G Ventures: YES! We INVEST in here!

Do you know that The Global Filipino Inventors is not only a group of investors but also a group of uprising entrepreneurs too? Here in TGFI SG we met Kuya Michael. The brain and founder of Boss G Ventures.

Boss G Ventures comprises of Boss G Grocery & Rice, R.C. Tolosa Builders, Gallus Farm, Shiyomi, the newest is Boss G on Wheels, and the coming soon venture is Boss G PisoNet.

Firstly, we invested a meager amount at Gallus Farm. To my surprise, the payout deposited to our account days before the actual. Abbey and I re-invested and put the money into his other businesses. Now we have a total of hundreds of thousands under Michael's wings. He never fails to deposit our payout on time.

Now Abbey and I are celebrating more than a year in partnership in his endeavours. Trust and friendships were founded deeply over time. More ventures to come Kuya Michael!

If you wish to know more and invest with Boss G you can directly message him at his facebook account.


Oh! One more thing. Most of his investment platforms were sold out in a day. So keep an eye for RC Tolosa project. The team is on the verge of closing the deal for more than 100 houses to establish the roofing needs. :)

Happy Investing!

Note: This blogpost is not in any way sponsored by Boss G Ventures. Study before invest. Invest at your own risk

Wednesday, May 17, 2017

Victoria's Secret at Magnificent Mile, Chicago

It was 3 years ago when Abbey confessed that he is into a big surprise for me. He wanted to buy me lingeries from Victoria's Secret. And he was shocked when he saw the tremendous array of brassieres and panties to choose from. He surrendered that idea immediately and just laughed it out.

My husband doesn't forget. When we went to Magnificent Mile of Chicago, he reminded me to check out Victoria's Secret.

When we entered the store, Nikeisha smilingly greeted us. She asked me about my size and I told her that I am 10B and she looked me into my eye and told me that I better be checked. Haha.

Victoria's Secret - Bra Recommendation Sheet 
My NEW Victoria's Secret Bra

Victoria's Secret at Magnificent Mile - Bra Salon

Victoria's Secret - Fitting Room Aisle 
Victoria's Secret at Magnificent Mile - Fitting Room and Shirt

Victoria's Secret at Magnificent Mile - Perfumes 
Victoria's Secret at Magnificent Mile - Waiting Area 
While on our way to their exquisite fitting rooms she handed me a pink card and set of bras to try on. Hesitantly, I told her that cup "C" may be way too big for me. She shook her head and explained me that most of the girls assumes and uses a wrong size of underwear.

To my delight it is more comfortable and well cover my boobs. Nikeisha knocked to my door, and yes she barged in and taught me how to tighten up the strap. She asked me from where I am from, because my body is too slim. Gosh! It feels that I am a child and that was my first time to wear a bra! Hahaha!

After getting the perfect size for me, we roamed around at Victoria's Secret store to get the design I want. I chose nude and black for US$50+ each. Abbey with a lustful smile glanced at me and told me to get what I want and it will be on his tab. Naks!

I ended up buying 2 bras and one perfume. I got a free bag, lotion and lipgloss. :)

Thanks Victoria's Secret for making us look and feel sexy and thank you Nikeisha for treating me not just a customer but a queen. :)

Victoria's Secret Magnificent Mile
(A) 734 N Michigan Ave, Chicago, IL 60611, USA
(P) +1 312-280-1050
(H) 10AM – 9PM

Sunday, March 5, 2017

My Mom, Our Family and The Alzheimer's

No! I will not inflict stress on me. But when I saw my mother's current state...I cried inside and burst out when nobody is around. 

Nanay is experiencing Alzheimer's disease. Her brain's age is 85 but her body is strong as 60. Her real age is only 68. 

Last year, we decided to go to Manila Doctors Hospital to see a geriatric doctor. We just want to solve her sleeping issues. Yep! Her kind of Alzheimer's is the one that can't sleep. She can be awake for 3 days straight and it cause headaches and gastric pain on her. After all the laboratory tests and CT scan, her doctor prescribed sleeping pills, vitamins and medicines. It all goes well, until my Ate (Older Sister) terrifyingly described our Nanay as "Nauupos na kandila" last September. 

That time changed everything. 

Being with a person who is suffering with this kind of disease is stressful. My Father and the rest of our family is exhausted in dealing with my mom. Then it came a time that exhaustion turned to be ferocious. I am guilty to that, I will not deny it and I regret that. Then my family back home saw my mom on the verge of death, reality stroked each one of us and we started to see a new point of view. We saw my mom's state on her own perspective. 

As suggested by the doctor, we tried a new medicine called Cerebrolysin. As observed by my Ate, she told me that Nanay responded well in that medicine but then after few days my mom cannot walk, stand or sit. Medicine reacts violently in my mom's body. Wrecking not only her but also us. 

Sometimes she speaks softer than whisper, that even putting my ear near her mouth is futile. She cries every other hour and while on her tears she is praying. She always giving thanks to Apo. (God in Kapampangan Dialect). When she is crying, my dad will go out of our house, do not want to see my mom's reality. There are times that she forces herself to remember our names and every time she tries...she fails. There are days that she only do is cry, day that she is a snob and to my surprise, one day she enumerated names of people that borrowed money to her. 

The doctor explains the causes of this disease; primarily it's in our genes and secondarily my mom's brain is very tired. My mom work way too hard for our family to enjoy what life we have now. Nanay is one of the helping hand not only in our clan but also in our community. While on her check-up the doctor look into her and brags "Ang sipag mo Nanay nung kabataan mo". 

No. I won't chase miracle through drugs. After all, my mom is the third woman I saw that the medical case was worsened by taking such kind of western medicine. All I want now is to give comfort not only for my mom but also for my dad. And pray to GOD to remember all my mom's kindness and good actions not only for our family but also to her friends. I am trusting my mother's life into HIS hands.

Wednesday, January 4, 2017

FarmOn Philippines: Best Crop or Livestock to Invest In

After my family, friends and readers read our blog post about investing in, without hesitation they adhere on the crusade to flourish again the industry of farming in the Philippines. Anyways, who will not join this kind of campaign? They will help the farmers by providing money and they will get a beautiful pay-out from their investments.

Registration was done and then the usual second question we are getting is "What is the best crop/livestock should I invest in?" Frankly, I am pretty obsessive in many things I do. I want things to be handy. And on that, we made an excel file of Farmon's crop and livestock. Each has corresponding best month to invest and its season. Duration is the amount you need to shell-out per plot and ROI given last time by FarmOn was also stated in below chart.

We are now sharing this file to all of our readers. We do hope that this will help you make a decision on what will be the best crop/livestock to invest your hard earned money.

Best Crop or Livestock to Invest in FarmOn Philippines

How to use this chart? Always eye for the green highlighted data. Those will give you the fastest return. Once you have chosen, look on the Season and Best Month to Invest this may give you a hefty profit (but I am not guaranteeing it..ok? hehe!).

 (Now FarmOn is accepting new accounts even without referrer) 

If you have questions, you can message Farmon at their facebook page :).

Note: This blogpost is not in any way sponsored by Study before invest. Invest at your own risk

Let the money work for us :)