What are Good Debts?

Are you debt-free? Well, good for you. You may have heard most people incurred debt.This is normal. It is nearly impossible to be free from debt considering the economy has to offer. But, having debt also makes sense. The thing is, you need to evaluate which debt is good for you and which is not. 

In this post, I want to share a little information on what good debts are. Good debt is sometimes called justifiable or those unavoidable debt. It is something you need but couldn't afford to pay at the moment without of course involving your cash funds and liquidating your assets. They are called good debts because the cost now is smaller compared on what it would cost on the upcoming days.        

Examples of good debts are education and housing loan. The desire to borrow money that is used in earning more is reasonable. If your money gains higher income than the interest, it is good. Generally, the interest is much lower than bad debt.

Education. This is the most common among good debts. I know you are familiar how your parents borrowed money just to finance your education. This is because they are hoping for a greater return, which is visualizing their children succeeding in the future. The result could lead to a fruitful "investment".

Housing. Building or buying a home in cash might not be possible for many. But since this is a good venture, most people classified it as good debt. The feeling of security having your own home is greater than renting a flat or an apartment.

Whether it is a good debt or bad debt, it is important to pay as fast as possible.  It’s not only because of the interest, but is easier to build wealth if you are debt free.

Some Ways to Invest Your Money

Kudos to my town mates! For those who have been abroad and non abroad working for a long a time, I’ve seen most of their hard earned money through their solid assets.

For the "young" ones like me, let them be our inspiration. Slowly but surely, we can also be successful like them. But, for how many years you will work yourself just to gain wealth? I think it's time for us to start investing. Where? How?

Invest in God's Kingdom. In the bible, 10% was required in the Old Testament. But in the New Testament, I'm not sure if there was a specified amount. The bottom line is to give willingly, may not be necessarily 10% of your income, but what is within your heart. Give the Church what belongs to the Church.

Real Estate-Lot, House, Apartments or any Building intended for use. Though this may require a large amount to start, it is a convenient way to earn a passive income especially if there are occupants in your apartment. The values of real estates are getting higher as the years go by.

Banking- Time Deposit, Savings, Mutual Funds, Bonds- These are different ways of how to invest your money. Each of these has dissimilar approach of making interest. Take a careful observation and ask your bank about the services they provide. Study the advantages and disadvantages of each program because some methods could be risky.

To my town mates, we have a very trusted rural bank in the uplands. Yes, ISUDECO. You might want to inquire and try their different services. The staffs will gladly assist you.

Stocks- This method of investing is a bit precarious for beginners because it involves buying and selling stocks. You will share ownership of the company or group and become a shareholder when you buy stocks.

Business- You start with a small yet potential business. Just invest the amount of money you can afford to lose. It is better for you to manage your own business, but it is also okay if a trusted person is there to look at your business.

It is simply not how much we earn but how much we save and spend.

Caregiver Israel Requirements

This post is mainly for those who were asking before. Just few information  you need to know.


The requirements for applying as Caregiver in Israel depend on the agency (Philippines and Israel) where you are going to apply, which I think would depend as well from the Israel embassy.

However, apart from different needed documents, you should pass the following:

1. National Certificate II in Caregiving from TESDA,

2. Hebrew language class, and  

3. 3-day OWWA Hebrew training class.

The following documents are also needed:

1. CENOMAR (Certificate of No Marriage)- for single applicant

2. Marriage certificate- local and NSO (obviously, for married)

3. Birth Certificate- local and NSO

4. Diploma- High School or College, whatever is available to you

5. Transcript of Record- if available

6. old and new ID’s-school, work, driver’s license or any valid ID with your NAME AND PICTURE

7. NBI clearance- you need one during application and another from the main office

8. Old pictures

Some agencies provide their own training for Caregiving and Hebrew class. If not, you can ask those schools or organization that offer the training.

Diploma, TOR and Birth Certificate require having DFA Red Ribbon and seal.

There is pre-medical exam before undergoing training and final medical after training.

Appearance with parents and spouse (married) is required by agencies and most especially by the Israel Embassy. Present evidence like pictures and death cert, if your parents or one of them is dead. Provided that one or both of them is living abroad, you must give proofs, too. Israel does not allow both parent-child, or husband and wife to work at a time. I just don’t know the case, if wedding took place here during their stay.

Placement cost varies from agencies. But aside from the miscellaneous fee (medical, transportation, training fee, etc.), the Placement fee is almost $....PF for men is higher than that of women.

Direct hiring is never recommended. I think it’s illegal.

It is always safe to inquire at POEA for legitimate agencies rather than getting scammed. More so,ask anyone you know from Israel.

Anything else you need to know, just email me or PM on my FB, and I will try to answer them to the best of my knowledgeJ))))

Good day!

TIPS on SAVING ELECTRICITY for the HOLIDAY

Christmas holiday is swiftly approaching. It would be nice to start saving anything so you can add them to your budget either for food, gifts and shopping. Below are some reminders on how you can slash your electricity bill.

1. Air-condition. Not all houses have their HVAC system or home's heating, ventilating and air-conditioning. But for some family with the installed device, this relates the highest on your entire electric bill. Therefore, it is recommended to change the filters often, at least every 3 months. Congested filters consume additional energy. Make sure every part of the house is sealed when the appliance is on.

2. Light bulbs. This is by far the most familiar way to save electricity. Everyone knows the significance of using CFL or compact fluorescent light bulbs rather than by means of the standard light bulbs. If you are not aware, replace your bulbs now, and you might notice a decrease on your bill next month. Avoid turning the CFL bulbs for minutes, for it reduces its lifespan.

3. Water Heater. Do not set this machine too high to keep away from wasting a large amount of power. Setting the thermostat to 120 degrees Fahrenheit will save you energy, than bringing it too high.

4. Appliances- the filters of your washing machine and refrigerator require regular cleaning. Avoid putting hot food inside the fridge. The more assembled shelves, the easier is the surge of air making it more efficient to save energy. Be sure the door is always sealed after closing. It is advisable to position your ref away from source of heat.

5. Other devices. These are the energy vampires or the electricity suckers. At all times, unplug appliances that are not in use. It is not enough to just turn them off. Studies show that turning the device to sleep mode doesn’t actually lessen energy consumption. Energy vampires include television, laptops, DVD players, components, battery chargers, adapter and the likes.

These things mostly explain your entire monthly electric bill. Following the above guidelines religiously would surely cut your electricity expenditure. Suggestions and comments are welcome below.

Merry Christmas!!

How to Choose a Good Networking Company?

The plans of the diligent lead surely to advantage, but everyone who is hasty comes surely to poverty.- Proverbs 21:5

AIM GLOBAL IS THE BEST, WHY? FIND OUT ON THIS POST.

Everything is increasing. Prices of food and clothing, rent, bills and your children's tuition fees are some of the needs you must sustain everyday. When you try the internet for part time jobs, you can be sure there are thousand answers for your search. But the question is, are they legitimate? How many of those are trusted and not fraud?

Networking is one of the top and most attractive careers you can find. This is mainly because of those promises by the companies. Also, the fee they ask from the people is a small sum compared to those traditional investments for small businesses. This post will help you how to choose a good MLM company, as I see it.

1. OWNERS- company owners ought to have networking backgrounds as they know how to deal with the industry. One reason why networking companies shut after few months or years is because the owners are not familiar with the nature of the business.

2. PRODUCTS- another thing to consider are the products of the corporation. A company should have a unique product that is solely coming from them. Are you wondering why before you are buying an item from someone who belongs to a certain MLM business, and suddenly now available from different pharmacies or stores? Maybe because they are by now close and the owner decided to sell the rights to those establishments to market the products. Review what you are promoting and selling in the market. Be honest to your clients and customers. Is there any benefit they could get from using your products?

3. MARKETING PLAN- typically, this part of networking attracts the most, since this is where people earn. Don't be fooled to those, "too good to be true” marketing plan. They maybe true on the first months, but the company could change that, and it may not be for the advantage of the members.

4. MEMBERSHIP FEE- I just want to emphasize something here. That if you wish to join a networking company, check, ask and verify what the things you can obtain in return are. If you pay too much and will not acquire anything in return, then DO NOT EVER JOIN! If you pay too much, and you will only have a pair of shoes in return, think over again. AIM GLOBAL WILL GIVE ALL THE USE VALUE OF YOUR MONEY, PERIOD!!!

So, why choose Alliance in Motion Global? Because everything mentioned above upholds this company. Owners are trustworthy, competent and experienced networkers. Products are one of the best food supplements, coffee and beauty enhancer today, all natural and carefully selected. Marketing plan is binary and every member benefits from it. On this part, it is a bit broader, but I cannot discuss everything in this post. While the membership fee, is worth all the benefits you will get.

Above all, when you join a networking or MLM company, remember you need to do your part as a member. Slowly, your skills will be developed; you will learn, acquire and master all things that you necessitate. A true networker is sincere, trustworthy and doesn't need to harm others just to earn.

KEEPING OUR DREAMS ALIVE

Proverbs 29:18
Where there is no vision, the people perish: but he that keepeth the law, happy is he.

Everyone has his/her own dream. When we were young, we vision to be a good actress, a successful businessman, nurse, teacher, pilot, superman or any profession we would love to be. However, as children, those are mere wishful thinking and more often we tend to forget those dreams as we grow.

Now that we are growing up, we should know what the difference of wishes and dreams is. Dreams are needed to be fulfilled. All through life, hindrances and contrasting forces will come to keep us away from our goals. Discouragements, unjust situation, and upsets will be there to put off us from keeping those thoughts alive. But, you must be stronger than those adversities, know that we have a BIG GOD who is bigger than any failures. If we see that our dream dies, dream another and this time bigger, yes, bigger!!

Bring out those talents, skills and gifts our God has placed in us. We may have suffered so many breakdowns in the past but what matters now is the present and all the days to come. Our fervent, permanent and sincere prayers are our best weapon to conquer all the hardships coming our way.

"In fact, the Latin word for “desire” means “from the Father.” One way to tell if a dream is really from God is that the desire won’t go away. You may have had it for years, but you still can’t let it go. In fact, you may have tried to let it go, but it won’t let go of you."- Pastor Joel

Happy Sunday and God bless!!!

MLM NETWORKING AS A PART TIME JOB

As a new blogger, I am just so excited to write again, so here it is. This blog post is related to my first blog, why I chose networking business as my part time job from all those many home base options.

Today, when people hear the word "networking" most of them would have negative impression in their mind. Maybe because there are dreadful companies out there or they have their own stories and not-so-good experiences before, or just not interested at all. Several reasons could be ascribed with their actions and feedbacks. But, why MLM NETWORKING as a part time job is good and still booming at this time?

If you are searching for a part time job, a home base one, consider the benefits of MLM networking. Experts do not advise quitting your present employment if you join a networking business. Remember, what I am saying here is only for you to have an additional income. Although some chose to leave their work if they notice they are making more money doing part time in the comfort of their own home  and performing easier task than being employed fully.

Below are some reasons why people engage themselves part time or full time in leveraging or Multi Level Marketing business:

1. Working on their own time.

2. No boss. Lesser pressure and stress.

3. Accessible promotion of the business (Internet, Social Networking, Cell phones, Flyers)

4. More time with family members especially those working moms and dads.

5. Can work anywhere (most of my groups are working abroad).

6. SMALL amount to start but BIG returns.

These are just few benefits. You can add more at the comment box. Bear in mind, part time or full time, you still need to do your part to be able to succeed.

Next topic: How to Choose a good MLM company? Why AIM GLOBAL?

Poor is he who works with a negligent hand, but the hand of the diligent makes rich.----- Proverbs 10:4

Happy Networking!!

MLM Networking with ALLIANCE IN MOTION GLOBAL

Good day reader! 


I am a Pinay trying my luck on networking business. I chose to join this very good MLM business, one of the best actually, and that is ALLIANCE IN MOTION GLOBAL. AIM GLOBAL has been 5 years on the networking field and still aiming for a higher goal. There are several offices located in the Philippines and 3 international branches (Hawaii, Taiwan and Singapore) and soon to few more countries next year. Ang kompanyang ito ay itinatag noong 2006, and now they already have created more than 300 millionaires!!! Yes, this is not a joke. So much true to their tagline "Turning ordinary Filipinos to extraordinary millionaires." 


Honestly, when I first entered this company, which was a year ago, I was never serious. I was like "hyped" or "nabaliw" lang. But one day, last August 2011, while browsing the internet, I bumped through testimonies of members and users who became members of Alliance in Motion Global, featuring their accomplishments. From then on, I made a promise to myself that I need to do something from joining this business. That if they have achieved those wealth, health and competitiveness, I can do it too! 


Ngaun, pang 3rd month ko nang active sa AIM and yes, I am already earning. Right now, I have 5 figures (pesos po) in my account and I know madadagdagan pa yon. MLM is teaching me lots of things, especially that I committed myself to a reputable and the best MLM company (for me).


Joining AIM GLOBAL is like investing my money. The Global package is only P7980. With that amount, you get the cash and use value of your money. The following are what you can get in return with: 

1. PRODUCTS WORTH 84% OF THE MEMBERSHIP FEE OR GLOBAL PACKGAE
2.  1 YEAR ACCIDENT INSURANCE INCLUDING MOTOR ACCIDENT
3. ATM CARD (where you can get your earnings)
4. BUSINESS KIT (cd, brochure, pricelist)
5. FREE WEB PAGE
6. FREE MEDICAL CHECK UP (to all tie up clinics)
7. SCHOLARSHIP PROGRAM (avail of 20% to 100% DISCOUNT SCHOLARSHIP the WHOLE course on ALL TIE UP SCHOOLS..no maintaining grades, just pass the final grades of 75 or 3
8. 25% DISCOUNT ON ALL PRODUCTS, LIFETIME

 EARNING is only a bonus. 

Their products include healthy BEVERAGES (coffee and choco drink), potent FOOD SUPPLEMENT (manufactured by NATURE's way), and BEAUTY PRODUCTS..

If you are interested to invest, learn and earn you can always e-mail me at akikomein19@gmail.com and I will gladly answer your queries and we will help each other to succeed. Happy reading, until next time!