Life in the Philippines

Waiting on Bureaucracy

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

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

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

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

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

David Ogden
Dipolog city
+639991141149

http://seriouswealth.net

Dipolog City - House and Lot For Sale

Original Article @ Dipolog house and Lot for Sale

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

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

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

Till the next time

David Ogden
Dipolog city
+63659082832

How to Get Money

Return on Investment

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

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

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

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

David Ogden

Ed Mercer- 100 millionaires
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Life in the Philippines -Wedding

Philippine wedding

Yesterday we attending another wedding in the Philippines which seems to be a popular place for people to marry local girls. This time it was an Australian marrying a girl just out of college. It tuned out to be a long day with an early morning start to travel to Sindangan for breakfast prior to the wedding planned for 10AM. Once again the wedding turned out to be totally disorganised, with nobody knowing what was happening, we went to a guest house house were the bride was preparing in order to change and 10AM came and went, while we sat and chatted in the Garden. There appeared to be some problem relating to the Judge who was going to officiate over the ceremony. we were then sent to a local school hall were the reception was to be held, to wait the arrival of the wedding party.

The wedding co-ordinate forgot to inform the the Bridegroom who was left waiting at his hotel. Finally some time later the Judge arrived and we took our places with the sponsors to follow the Judge and the Bridegroom down the aisle ahead of the Bride. The Judge sat at a raised table with the Bride and Groom on each side and then appeared to lecture then on law in the Philippines saying that it is easy to get married but the Philippines does not allow divorce, while we all sat around and listened, in a building which was getting hotter and hotter in the midday sun. Eventually we were called to stand and gather round for the actually ceremony to began. it was evident there had been no rehearsal and the groom had some difficulties understanding some of the words he was meant to say due to the pronunciation. Finally they were pronounced Husband and Wife and we were able to toast the bride and groom and get on with the reception.

Now I have always understood a civil ceremony was quicker but this one took longer than any church wedding. Once the reception was over we went to one of our friends beach resort to change and refresh ourselves for the return drive to Dipolog city.

Our friends who we travelled with had had a real eye opener in visiting the rural town of Sindangan with its dusty roads and hundreds of tri-cycles both pedal and motorised in place of cars, which seems some ten years behind Dipolog city where we all live.

We arrived home in the early evening exhausted from been baked in the heat of the day and by the travel on local roads which I have written about on many occasions, so we had an early night.

David Ogden
Dipolog city
+639991141149

http://seriouswealth.net

Dipolog City - House and Lot For Sale

Original Article @ Dipolog house and Lot for Sale

out house which is for sale in Dipolog city is built on rock with a concrete foundation. The standard construction method locally is to use reinforced concrete pillars with hollow block walls. Problems however can arise due to the quality of the blocks which is not consistent and they will fracture under load, so in the event of an earthquake the walls are liable to collapse leaving only the pillars standing.

Our Dipolog house and lot for sale in addition to being built on rock also has concrete reinforced walls, with the concrete being poured, so that the the walls and the pillars are all tied together so that wall can support some of the load. One other advantage of this method of construction is a smoother finish for both interior and exterior walls.

Since we have lived in the house there have been a few tremors but no damage or cracks have appeared in walls so this method seems successful.

We are at the moment gathering information and planning our removals to Cyprus, its a bit of a gut wrench as we had expected to be here for some time, however our business comes first so move we must.

Till the next time

David Ogden
Dipolog city
+63659082832

Dipolog City - House and Lot For Sale

Original Article @ Dipolog house and Lot for Sale

Dipolog house and lot for sale

Are you thinking of moving to the Philippines, to escape the rat race and live in a country where you are regarded as a millionaire? Well we have a house for sale in Dipolog city which is ready to move into, all you need to bring is your personal belonging we can even provide you with a car, so that you have virtually nothing else to purchase.

The house was completed earlier this year and stands in a gated community off the main road, it is in a quiet location with views over the surrounding area. There is a communal pool which is undergoing renovation. The gated community means you are protected from casual visitors who try to sell their wares door to door. The residents are mainly expats and include some affluent locals.

We have lived in the house since February and have found that the patio doors installed both upstairs and downstairs allows for good air circulation as a light breeze can flow through the house on most days. I you love the sun it shines on the garden throughout the day, although you can always find a shady spot to sit and read. If things get too hot for you you can always switch on the air conditioning to cool you down.

The house is ideal for a family with both public and private schools within walking distance. The city centre is just a short ride away by tricycle cab, which is the main form of transport in the city. Dipolog is more like a small town rather than a city and the locals have a laid back attitude.

Local markets provide the source of fresh fish and fruits such as mango, which are cheap and delicious. If you are partial to western food the large supermarkets are the place to shop, including Lee Plaza. Lee plaza is a small modern shopping Mall with good supermarket, general stores, food outlets and a place to gather at the weekend, it has a useful underground car park as well.

Till the next time

David Ogden
Dipolog city
+63659082832

Dipolog City - House and Lot For Sale

Original Article @ Dipolog house and Lot for Sale

Dipolog house and lot for sale

Are you thinking of moving to the Philippines, to escape the rat race and live in a country where you are regarded as a millionaire? Well we have a house for sale in Dipolog city which is ready to move into, all you need to bring is your personal belonging we can even provide you with a car, so that you have virtually nothing else to purchase.

The house was completed earlier this year and stands in a gated community off the main road, it is in a quiet location with views over the surrounding area. There is a communal pool which is undergoing renovation. The gated community means you are protected from casual visitors who try to sell their wares door to door. The residents are mainly expats and include some affluent locals.

We have lived in the house since February and have found that the patio doors installed both upstairs and downstairs allows for good air circulation as a light breeze can flow through the house on most days. I you love the sun it shines on the garden throughout the day, although you can always find a shady spot to sit and read. If things get too hot for you you can always switch on the air conditioning to cool you down.

The house is ideal for a family with both public and private schools within walking distance. The city centre is just a short ride away by tricycle cab, which is the main form of transport in the city. Dipolog is more like a small town rather than a city and the locals have a laid back attitude.

Local markets provide the source of fresh fish and fruits such as mango, which are cheap and delicious. If you are partial to western food the large supermarkets are the place to shop, including Lee Plaza. Lee plaza is a small modern shopping Mall with good supermarket, general stores, food outlets and a place to gather at the weekend, it has a useful underground car park as well.

Till the next time

David Ogden
Dipolog city
+63659082832

Life in the Philippines

Bureaucracy in the Philippines

I have never known a nation like the Philippines for bureaucracy and I am sure most of it is to make money for the government and their cronies, Unfortunately at the moment I have a number of tasks to undertake before I leave the country which require dealing with government department.

Yesterday I need to get a simple police clearance, so I downloaded the form from the the National Bureau of Investigation and headed to the local office in Dipolog city, only to be told that as I am an Alien, I need to go to Manila some 1,000 Kilometres away. In a similar way there is no longer an immigration presence in Dipolog city so when my visa expires next week I need to travel some six hours to Cagayan Del Oro to renew it. Trying to get information and answers by email is virtually impossible.

I Compare this with getting information from Cyprus where I am planning to move to, with emails sent requesting information on Visa and residency questions being answered within hour of been sent and not requiring any travel. You may be thinking I am crazy to swop living in the Philippines where you can live like a prince on a few thousand dollars, compared to Cyprus where costs and taxes are higher, but there are a number of reasons no least being being able to qualify for a European passport for my Son to be wife and child. I do not wish to return to the UK as the weather is too cold, but can survive in Cyprus with hot summers and relatively warm winters.

The main reason however relates to lifestyle, it is a safer place to live as a millionaire and has good communications which is essential for me as I am working with billionaire mentor Ed Mercer and rely on the Internet to build serious wealth for myself and my family. Many people have dreams to be wealthy, but few really commit to the idea, I have discovered that many self made millionaires share Ed's experience starting life with little or no money and building a strategy to succeed.

David Ogden
Dipolog city
+639991141149

http://seriouswealth.net

Dipolog House and Lot For Sale

Original Article @ Dipolog house and Lot for Sale

Dipolog house and lot for sale

Hardly had we completed our dream house in Dipolog City than we have to move away due to my business commitments, so now we are in the process of putting it on the market.

This is an excellent time for someone to purchase a new property which is ready to move into as we are leaving it virtually fully furnished including large screen TV, Larder Fridge/Freezer, Gas/electric Hob, Oven and front loading washing machine. Curtains and blinds Beds, Office and computer desks.

We are removing only our personal possessions and pictures. we will be sad to go as our garden is beginning to mature, but business is business and if you really want to be successful you have to be prepared to do what ever it takes.

We had originally expected to stay for 5 years or more otherwise we we would not even considered buying, however things change and so move we must.

We also have to set about selling our Mitsubishi Strada 4X4 which is just over a year old, and finding homes for our two dogs Fred the oldest is just over a year and Ben the youngest 9 months, we adopted both and they are turning out to be excellent pets and at the same same time guard dogs, we will miss them dearly as they will miss us. They are great with children, we have a ten year old child and a 4 year old and both dogs are happy to spend time both in the house during the day and on guard duty at night outside. when ever family members are out our the children are expected home they sit expectantly at the gate of our house.

Till the next time

David Ogden
Dipolog city
+63659082832

Creating serious wealth

Earlier this year became involved with some HYIP investments as a test to see if they worked. I had never really trusted them as they where attached to payments systems which I did not trust. However I found a couple that were supported by Payza, so I used that as a marker because I have used Payza and it predecessor for a number of years. All was going well until Payza without warning down supporting Hyip systems, with the result I could not withdraw my money.

I lodged a dispute with Payza requesting them to recover the money I had in the investment, not expecting to hear anything, then yesterday I had a pleasant surprise when I was informed that the had recovered 20% which actually matched by start up investment so it was a good deal. perhaps I was lucky, but I no longer would recommend anyone to invest in HYIP systems unless it is with money they can afford to lose.

My Pre-launch Forex business continues to gain with a further trade in the last week breaking through the $1,000 level, not bad for a free account with a credit of $100. the account is being managed at the moment so it is an easy way to start building up some capital for when the company launches, there is of course no risk because there was no start up cost.

I am now focussing all my efforts on ED Mercer's 100 millionaire's challenge project, the program has to be seen to be believed, There are not many people who have access to someone of Ed stature, who can provide advice on how to grow your wealth. Is is a serious business far removed from anything you have seen or heard about before. Ed Mercer has achieved virtually everything he has set out to do, so there is no reason to believe he will not succeed with his latest challenge.

David Ogden

Ed Mercer- 100 millionaires
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