Separated With Citibank Credit Card After 18 Years

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Shawarma, Broasted & Juice from Mama Noura

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Goodah Soos Tapsilog & Street Food Chicken Shawarma (Yamal Asham)

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Sharing Financial Literacy to OFW’s in Riyadh

I love teaching people, this is what I plan to do in the long run. I want to share you guys that I was invited to discuss Financial Literacy last month in the Philippine Embassy in Riyadh Saudi Arabia. I know it is a bit late to blog about this event but as the saying goes, it is better late than never. Anyway I reported this one at my Investment blog and my Instagram post


I taught them about the biblical principle of handling finances and debt. We also introduce different portfolio that they can enter as an OFW including the risk that they may face upon their enrollment. By the way I am a volunteer of Angat Pilipinas Coalition for Financial Literacy

Add me at Instagram and Twitter and share your thoughts through the comments below. 

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Facebook Post Management, Think Before You Click


I feel like writing today, I would like to share some insights about Facebook management.Because I saw facebook post that is really not good for branding or even for future reference.

Did you know that you can control who can see your post in Facebook? You may choose Only Me, Friends, Friends of Friends and Public. Below are my suggestion on how to use this options as follows:Only Me : There are some good information in the Web that you want to be bookmarked, Only me is a type of bookmarking tool of facebook so that it can only be seen by you. But I think if you want it to be private why would you like to post it online? Do you want to make facebook as your diary? Better make a blog, it will potentially add up yor cash flow later on.

Only Me: Sometimes, there is good information in the Web that you want to be bookmarked, Only me is a type of bookmarking tool of facebook so that it can only be seen by you. But I think if you want it to be private why would you like to post it online? Do you want to make facebook as your diary? Better make a blog, it will potentially add up yor cash flow later on.

For Friends: You can share information that You would like to share with you friends but not with strangers. I prefer to share my selfie, family pictures and day to day status to my friends. Remember that your friends can see all the status you are posting in the facebook whether your status is set to Friends of Friends or Public.

For Friends of Friends, I prefer to share some link which will need your friends endorsement. Like fore example if you are selling something, your friends might share it to their friends. If it is only set up to be Friends, their friends cannot see it. Sometimes when people see something being sold in facebook in he knows that you have mutual friends an endorsement from that friend will help a lot.

For Public – I prefer to post status that will make my social media branding. So what is branding? Branding is something you want other people to know you. As an example if you are branding your self as a Investor / Teacher, your post regarding investment shoud be shared publicly. If you want to be branded as a Professional Bloggers, your post about Blogging and tips about blogging should be shared publicly. Those are post that any facebook user can check when searching for your name.

Always remember that whatever you post in your social media account might back fire to you in the future. I know some HR personnel that they are now using Social media to background check their applicants. You must think before you click. Don’t put your rants in social media. Always remember that in the digital world, it is always possible that your post can be seen by millions of people and not only individuals whom you want to say your rants.

So be very careful. Think before You click.

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First Attempt in Selling at

I know I have not made updates on this blog, this is due to busy schedules in offline world. I will try to update this blog more often in the future.

I am looking for ways on how to increase my cash flow and I am now testing the idea of selling in is an online Buy and Sell website now popular in Saudi Arabia. I don’t know if I will succeed on this but I think there is no harm in trying. I am selling the Investment book authored by Fitz Villafuerte titled Guide to Investing. It is available in Saudi Arabia. If everything goes well I will try to sell some other stuff.

I will update this blog about the outcome of this experiment, as well as how will I get my money back with my profit.

I always believe with John Wesly teaching, Make Money all you can, Save Money all you can and Give all you can.

Ready To Be Rich

BTW Aim Global is doing great, I am now promoted to Silver Executive. Thanks to my other team members, if you want to be part of my team just let me know.

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Additional Passive Income Through AIM Global

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It’s been a while since I have posted in this blog. I just want to update you that I am still here alive and kicking. I am just busy in the offline world. I am still into investing and my blogging earnings goes to investing.

I have added another source of passive income, through MLM (Multi-Level Marketing). It is my first time to be in MLM due to the fact that I though every MLM are made equal and has an objective to SCAM people.

Well I am wrong.

Last year, a friend of mine, Marhgil Macuha, invited me to be part of his group and told me that he plan to saturate the online world through blogging and affiliate marketing in promoting our products. We were both actively blogging and doing SEO (Search Engine Optimization). He told me that there is a big opportunity in the company.

Finally I joined AIM Global, through my upline’s persistence.

At first I just joined because he is a friend and I don’t want to reject him for an amount of Php 7,980 in which I know that it is more or less the worth of the products being sold. And besides blogging earnings is good through paid clicks in some of my blogs.

Through his persistence, I was able to join the group and did you know what happen? We have already consumed the products and yet no single downline came. Nobody seems to be interested in joining AIM Global since they though that it is one of the SCAM which always shown in the news. I took me a year to realize that value of this company.

After a year my upline told me that there are bloggers interested to join the team and he told me that he will add a downline for me. Wooow great I told him at long last I will have Php 500 in my account.

One of my downline, Elizar Palad, work hard and is now making one of my account leg strong. He even plan to set up an AIM Global office in Bulacan.

Through constant study about MLM business model, I have added new accounts after learning that I could earn more through passive income by having multiple heads (Maximum 7 accounts). New customers came in through capture pages in my blogs that we have installed a year ago. Some pay in after 5 months and more. Some heard our success through Facebook and became interested. It only means that through the years that I am not working or sharing AIM Global my blogs work for me.

But what if I have started doing marketing and sharing this business opportunity long ago, I might be one of those AIM Global distributors who have cars already.

I could attest that there is passive income in Multi-Level Marketing and choosing the right company is crucial in getting one. I know that with proper guidance with our new downline and future downline, our group will soon be one of the top achievers in the coming AIM Global events.

If you want to join in our group and learn how we do marketing through Facebook, social media or any other online methodology enter your email through this link. –

Just in case you want to know how much is the investment amount check below breakdown.

  • Aim Global Package – Php 7,980
  • China Trust Card Fee – Php 500 ( Waived if you have an existing Banco De Oro Account)
  • ID Fee – Php 200
  • Shipping Fee (Depends on the location) – we deliver local and International.

Here are the requirements:

  • ID Picture that can accommodate 1×1 at 2×2
  • Scanned Valid ID (Employment ID or any government issued like SSS)
  • Scanned Passport
  • AIM Global Application Form
  • China Trust Application Form

Signed the Photocopy of your ID. More information can be seen here –

Just don’t forget to activate your account after filling your email address and name.

As A final thought I plan to have more account in the future. Who says I can be limited to seven? I still have my wife. 7 + 7 = 14. Happy networking guys.

I praise God to this additional income opportunity.

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Investment Goal Setting

SMARTThe stock market broke 6400 last Friday, February 28, 2013, and closed at 6424.99. The market seems to be in a good standing nowadays. I just hope that it continue this way, but just be aware that what comes up must come down. In the stock market we cal it correction. You need to be very careful in doing Tsupit mode in the stock market if you are in the stock market, I believe you know what I mean. You will never know if it will continue to go up or will it go down.

Others do cost averaging, and other use Technical Analysis in trading the stock market. What ever is your method in investing it is very important for you to know first your goals and objective in investing. Your goals will drive on what Risk can you take. When I say Goals it should be define and specific.

Entreleadership Book by Dave Ramsey quote as follows:

“Vague Goals are not Goals, they are dreams and wishes, you don’t want to end up being one of those dreamers who do nothing.”

We need to be specific in our goals, as an example if your goals is “you want to earn money”, the sentence or as mentioned is not complete you need to put time to complete your goal, is it 1 year?, 2 years? or more. You also need to specifiy the purpose of your goals. There are times that when we meet our goal, we don’t use it where we plan it to be used.

The Goals should be SMART, Specific, Measurable, Attainable, Relevant and Time Bound

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Blessings Through IMG (International Marketing Group)

I have been blogging for more than 7 years. From Blogspot to WordPress and so on. From bookmarking to SEO to Social Media Optimization and more. There are lots of evolution in the internet. Nowadays that my online earning is not as big as before, but still there are some passive income, I am now venturing to networking.

I found a great network which coincide with my fashion and advocacy to teach fellow OFW about Financial Literacy and Saving. I am now with IMG (International Marketing Group) I believe it’s a blessing for me and there are a lot of potential in this financial networking business.

I belong to TRM (Truly Rich Maker Group) and presently having a position of Field Leader.

The best thing is that I am now applying what I have learn through the years in blogging, specially SEO (Search Engine Optimization), and I can now get new members through email marketing and social media.

I thank God for this new source of income, which can be called as money machine and I pray that blessing will continue to pour and I could reach my goals in this business.

In IMG I share and I earn. I can help people go out from the rat race, and wake them up in the reality of financial literacy.

By now, I could understand what is the importance of  Health Care, Insurance and Mutual Funds. I know now the difference between Trading and Investing.

God bless me with supportive mentors and supportive wife and family in this business. Email marketing helps me to explore the possibilities of doing network even outside my territory.

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Can We Heal People As We Pleased?

Can We Heal People As We Pleased?Perhaps the question in my title might ignite a debate or a discussion among Christians. The Question is can a believer heal any sick people as he pleased. I would like to point the word “as he pleased”. The sentence gives and indication that we as a Christian has power in everything. But do we? My answer is “NO”, we don’t have power but God has power. We are only being used by God as his vessel but still the final decision is with God and God alone. This is why that sometimes when we pray for the sick people, they are being healed and sometimes not. It is because God has it’s own decision if he will heal those sick people whom we pray or He will not.

Some of you might question about FAITH, Faith is believing that God is there to help us, but Faith is not something to command God on what he needs to do in every situation in our life. We need to understand that when we accept Christ in our life, we ask Him to be in charge of our life and not us to be in Charge of Him.

Let me point you out in this bible verse:

2nd Timothy 4:20 Erastus abode at Corinth: but Trophimus have I left at Miletum sick

We all know that Paul is an instrument whom God is using to heal people. But why did Trophimus was left sick in Miletum (some translation says Mileta, Melotus) ? It only shows that, Apostles could not work miracles when they pleased, God is the healer and not Paul. It also answers some queries on why we kept on praying for the sick but yet, nothing happen. I always believed in Romans 8:28, and know that all things works together for good.

I do believed that Trophimus, an Ephesian, was also been healed on God’s perfect timing. Trophimus was only mentioned in the bible 3 times, Acts 20:4, Acts 21:29 and 2nd Timothy 4:20 and passages clearly mention that Trophimus is a co-worker of Paul in Christ.

We need to have expectant faith, Yes, but we also need to understand the power of God in our life. He is the one in control, not us. Psalm 118:8.

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Finding Favor From God In Difficult Times


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I am reading Genesis Chapter 39 and I was blessed on what I have read on the last part it says :

Genesis 39:22-23

And the keeper of the prison committed to Joseph’s hand all the prisoners that were in the prison; and whatsoever they did there, he was the doer of it. The keeper of the prison looked not to anything that was under his hand; because the LORD was with him, and that which he did, the LORD made it to prosper.

Despite the fact that Joseph the Dreamer has been imprisoned for a crime that He did not do, ( Accused by Pothipar’s Wife of raping her, because Joseph doesn’t want to do her will ). The prison keeper assigned Joseph to be the leader in the prison. It is because the prison guard believes that the Lord was with Him.

We might be in a different situation in our life where we think it is not fair, think of what the Lord can do to you. Joseph has found favor in the prison area because of his trust in the Lord. I do believe that we could also found favor to God even we are now experiencing many affliction in our life. The lord will blessed us in our present situation. We just have to trust the Lord and discern what is best for us.

I am now doing new experimentation about e-mail marketing strategy. I just hope that I could learn new things to make passive income in order to help more in my father’s present situation.

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Everything Happen for A Reason, Join us in Prayer


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I got a call from Philippines last Friday and my family informed me that my father has been diagnosed having a kidney failure. The creatinine, has been measured to be 900 which when compared to the normal range of  100-130 ml/min/1.73m2. is high. We are still waiting for the final decision that could be made after three more days. The doctor advise to have dialysis if the situation becomes worse.

In situation like this there is nothing that I can do except to pray and ask for God’s wisdom on what we need to do. I always believe in Romans 8:28

“ And we know that in all things God works for the good of those who love him, who have been called according to his purpose.” ,

It is only God knows about his purpose for my father. But all I know is that God is in control in all things. Philippians 4:4 says:

Rejoice in the Lord always. I will say it again: Rejoice!

Friends, Brother’s and Sister, what we need from now is to be in unity in prayer and ask for your prayers to let God heal the sickness of my father “Gerardo Panganiban” and the financial provision for any treatment that he may undergo.

I am making this post to give hope to those who are experiencing kidney problem like what my father is experiencing at the this time. And who knows this post might also be a way to a divine connection that Our God will be providing for us.

God Bless You all.

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