Birkin Scammer Sarah Evangelista and Jake Evangelista

Birkin Scam:  A scammer is on the loose!  And this is no ordinary scam, or the kind of scam that we got used to in the Philippines, wherein ordinary persons with their hard-earned money were duped due to fraudulent schemes.

This scam now called as the “Birkin Scam” allegedly involved defrauding rich people that amounts to around a whopping P500 million.

Read full Story of Birkin Scam here.

Sarah and Jake Evangelista as the Alleged Birkin Scammers

According to reports, the people involved in the Birkin Scam is a socialite couple though the person who was really at the forefront of it is a person allegedly named Sarah Evangelista.  The husband's involvement in the scam is yet to be directly established though reports say that it is most likely that the husband knows the workings of his wife.

She is said to be a socialite who defrauded friends, especially her best of friends, using a pyramiding scheme involving millions of pesos in the trade of high-end bags, in particular, the Birkin bags.  Her husband was allegedly named Jake Evangelista, said to be working under a politician.

As of this writing, the Facebook and Twitter accounts of the Birkin Scammer has already been deleted, the same accounts that used to flaunt her extravagant lifestyle.  Cases have already been filed against her, though the suspect is said to be already in hiding, most likely in the United States.

Photos/Pictures of Sarah and Jake Evangelista

Check her for photos/pictures of the alleged Birkin Scammer which here posted all over the net by websites.

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40 Richest Filipinos List from Forbes Magazine

40 Filipino Billionaires List:  Want to know who are the richest Filipinos in the country with almost 100 million population ?

Well, since Filipinos love malls, the owner of SM Malls and other properties under his company is the richest Filipino.  That is according to the list by Forbes.

For 2012, Henry Sy is the richest person in the Philippines, with Lucio Tan in the second spot.

Check out the complete list of the top 40 richest in the Philippines for 2012:



 
1) Henry Sy – $9.1 billion (SM Prime)
2) Lucio Tan – $4.5 billion (Phillip Morris Fortune Tobacco)
3) Enrique Razon Jr. – $3.6 billion (International Container Terminal Services)
4) John Gokongwei Jr. – $3.2 billion (JG Summit)
5) David Consunji – $2.7 billion (DMCI)
6) Andrew Tan – $2.3 billion (Alliance Global)
7) Jaime Zobel de Ayala – $2.2 billion (Ayala Corp.)
8) George Ty – $1.7 billion (Metropolitan Bank)
9) Roberto Ongpin – $1.5 billion (Atok-Big Wedge)
10) Eduardo Cojuangco Jr. – $1.4 billion (San Miguel)
11) Roberto Coyiuto Jr. – $1.3 billion (National Grid)
12) Tony Tan Caktiong – $1.25 billion (Jollibee Foods)
13) Lucio and Susan Co – $1.2 billion (Puregold Price Club)
14) Inigo and Mercedes Zobel – $1.15 billion (Ayala Corp.)
15) Emilio Yap – $1.1 billion (Philtrust Bank)
16) Jon Ramon Aboitiz – $955 million (Aboitiz Equity Ventures)
17) Andrew Gotianun – $825 million (Filinvest Development)
18) Manuel Villar – $720 million (Vista Land and Lifescapes)
19) Beatrice Campos – $700 million (Unilab)
20) Vivian Que Azcona – $690 million (Mercury Drug)
21) Alfonso Yuchengco – $570 million (Rizal Commercial Bank)
22) Mariano Tan Jr. – $420 million (Unilab)
23) Enrique Aboitiz – $400 million (Aboitiz & Co.)
24) Eric Recto – $365 million (Alphaland)
25) Jose Antonio – $300 million (Century Properties Group)
26) Gilberto Duavit – $270 million (GMA Network)
27) Menardo Jimenez – $265 million (GMA Network)
28) Frederick Dy – $260 million (Security Bank)
29) Manuel Zamora Jr. – $255 million (Nickel Asia)
30) Alfredo Ramos – $$250 million (Atlas Consolidated Mining and Development)
31) Oscar Lopez – $245 million (ABS-CBN)
32) Felipe Gozon – $240 million (GMA Network)
33) Betty Ang – $235 million (Monde Nissin)
34) Wilfred Uytengsu Jr. – $230 million (Alaska Milk)
35) Juliette Romualdez – $200 million (Banco de Oro)
36) Bienvenido Tantoco Sr. – $195 million (Rustan Commercial)
37) Jacinto Ng Sr. – $190 million (Rebisco)
38) Tomas Alcantara – $160 million (Alsons Consolidated Resources)
39) Michael Cosiquien – $150 million (Megawide Construction)
40) Edgar Sia II – $140 million (Mang Inasal)

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Mang Inasal’s Edgar Sia is the Youngest Filipino Billionaire in Forbes List

He is just 35, and yet he is already a billionaire.

Edgar Sia of Mang Inasal made it to the list of the 40 Richest Filipinos for 2012 by Forbes.  He is also the youngest in the list.

Sia, an architect, who ventured into the food business is now worth $140 million or P5.8 billion.  

Still topping the list is Henry Sy of SM with a networth of $9.1 billion or a whopping P385 billion.  Sy is 116^th in the world listing of richest people in the planet.

Check full list of Richest Filipinos for 2012 here.

Other names in the list of the wealthiest Filipinos are Enrique Razon, Lucio Tan, Andrew Tan, Roberto Ongpin, George Ty and Eduardo Cojuangco.

Mang Inasal was bought by food giant Jollibee Food Corporation for about P1 billion though Sia is still at the helm of its operations with 445 branches nationwide.

The company started in December 2003 in Iloilo City.  Today, it employs about 10,000 people.

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$1 Bill to be Phased Out for US Government to Save $5.5 Billion?

The economic downturn in the previous years has certainly put many countries cringing; even the superpowers realized how vulnerable they are. Several countries asked to be bailed out while others relied on different stimulus plans and pieces of legislations to restructuring. But all efforts proved that redemption is not yet at hand.

The US government is one of those that was hardly-hit by the economic meltdown. Unemployment is still high and private and public debts continue to pile up.

With all these serious economic complications, the US government through President Obama approached things by cutting down budgets and spending.

With all these budget cuts, many sectors also tried to think of ways on how the debt-stricken US government could save more.

One idea that came up is by phasing out the $1 paper bill and change it into a dollar coin.



The U.S. Government Accountability Office reportedly made a proposal that was submitted to the Federal Reserve and Treasury of phasing out the $1 bill and replace it instead with a $1 coin. On their proposal, they said that the US government could save at least $5.5 billion during the next 30 years!

The reason? Because paper bills have shorter life span and in effect takes a lot of public fund for printing new bills unlike the coin.

Sure the US is really tightening its belt huh.

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Borders Files for Bankruptcy

Borders Group Inc., one of the largest bookstores in the Unites States has already filed for bankruptcy according to several news reports on Wednesday. The filing for bankruptcy protection by Borders was attributed to the steady decline of sales in the past couple of years. The declining sales hurt the company especially with managing its outstanding debts.

The filing for bankruptcy by Border Group Inc. will cause the closure of almost one-third of its retail stores across the country.

As of December 25 of last year, Borders has listed its liabilities to be around $1.29 billion while its assets stand at $1.28 billion.



Borders Group President Mike Edward said that the company “does not have the capital resources it needs to be a viable competitor." Reports said that the steep popularity of online and digital books made mostly affected the steady decline in sales of the book store chain over the years.

Early this year, the company had already hinted of its filing for bankruptcy if could not meet its financial needs and could not find any new source of capital for the company.

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Danaher Corp. to Buy Beckman Coulter for $5.8 Billion

Danaher Corporation is going to buy Beckman Coulter for an estimated amount of $5.8 billion in cash said reports on Monday.

Danaher was reported to have agreed to pay $83.50 a share as a tender offer for the maker of diagnostic research equipment’s shares.

H. Lawrence Culp Jr., President and Chief Executive of Danaher said on a statement:

“Beckman Coulter is an iconic company with a great brand, broad reach and technology leadership; well positioned in the markets it serves.”

Danaher was said to have made a good pitch against other interested consortium.



On the other hand, Bob Hurley, Beckman Coulter’s President and Chief Executive said on a statement:

“Following a very comprehensive and competitive process, the board of directors voted unanimously to accept Danaher’s proposal. We believe this transaction maximizes Beckman Coulter shareholder value while strengthening the company’s position as a leader in biomedical testing to the benefit of our customers and their health care patients around the world.”

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SSS Business Loans Information

The Social Security System or SSS has a third type of loan that members can avail with most recent announcements of lower interest rates for this type of loan.

The SSS Business Loans are intended to help individuals and companies who want to barrow money in order to help their business grow either for expansion or refinancing their cash flow.

SSS members can barrow business loans of up to P50 million pesos for small to medium enterprises while large business may barrow from P51-P500 million.


SSS Business Loans Types:

Special Financial Program

Industry Loan

Financing Program for Tourism Projects

Hospital Financing Program

Financing Program for Educational Institutions

And if  you want to make another loan, you can check here more information about SSS Loan Requirements and Details.

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SSS Loans and SSS Loan Renewal

Being a Social Security or SSS Member gives you a wide range of benefits to avail. One the many benefits that SSS gives its members are the SSS Loans.

SSS has different types of Loans of which, any member in good standing and has satisfy the necessary requirements can avail.

1. Member Loans – A SSS member loan is composed of salary, calamity and emergency loan.

2. Housing Loans – This type of SSS loan covers individual housing, housing for OFWS, housing development, house repair, pari-passu, corporate housing program, apartment for dormitory, housing for Workers Organization members, assumption of mortgage and direct housing development. If you belong to any of these categories mentioned here, make that inquiry now and avail.

3. Business Loans – This 3rd type of SSS loan covers financing program for vocational and technical school, industry loan program, tourism projects, financing program for educational institution, hospital financing program, SSS special financing program and the SULONG program.

These loans can also be renewed if a member has already paid all existing loans and has no existing financial obligations to SSS.

Check here for SSS Loan Requirements and Information.

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Small Business Loans in the Philippines (SMEs) Websites and Banks

The Philippines is a country that is yet still on an emerging status when it comes to giving support to Small Business Loans or SME’s.

Making and staring a business is one of the clearest indicators of a country’s socio-economic climate and status. In the Philippines, the business industry is very much composed of Small and Medium business enterprises.

For its part, the Philippine government aggressively supports Small and Medium Enterprises (SME) through its different government and controlled corporations and agencies.

Small Business Loans in the Philippines (SMEs) and their Websites:

Quedan and Rural Credit Guarantee Corporation
34 Panay Avenue, Quezon City
Tel. No. +632 373-9711
www.quedancor.gov.ph
Land Bank of the Philippines
1598 M.H. del Pilar corner Dr. Quintos St. Malate, Manila
Tel. No. +632 551-2220
www.landbank.com

Social Security System
SSS Main Building East Avenue, Diliman, Quezon City
Tel. No. +632 920-6401
www.sss.gov.ph
New Rural Bank of Victorias, Inc.
M.C. Metroplez Bldg. North Drive Bacolod City
Tel. No. +632 (034) 433-7518

Small Business Guarantee and Finance Corporation
17/F and 18/F 139 Corporate Center, 149 Valero St., Salcedo Village, Makati City
Tel. No. +632 751-1888
www.sbgfc.org.ph

Philippine Export-Import Credit Agency
17/F Citibank Tower, Valero St. Salcedo Village, Makati City
Tel. No. +632 848-1900
www.philexim.gov.ph

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Affordable Home Improvement Equity Loans

The United States has been thrust into an economic meltdown last year as home equity loans were sold like pancakes though banks were not sure of the financial standing of their clientele and these entire home and mortgage loans were unsecured.

Today, the economy of the United States is slowly getting back on track though many numbers and indicators are still not so good.

One of the most popular loans made my clientele is the Home Improvement Loan especially during the time when many states in the US were devastated by hurricanes.

What is a Home Improvement Loan? Here is simple definition from the FFIEC:

”A home improvement loan is (a) any dwelling-secured loan to be used, at least in part, for repairing, rehabilitating, remodeling, or improving a dwelling or the real property on which the dwelling is located, and (b) any non-dwelling-secured loan (i) that is to be used, at least in part, for one or more of those purposes and (ii) that is classified as a home improvement loan by the institution. “

Many banks are offering Home Improvement Loans like Chase, CitiFinancial among others while the Federal Housing Administration or FHA has its own program also for Home Improvement Loans. FHA Home improvement loan says on its website:

“affordable home improvement loans by allowing loans up to $25,000 without any equity in the home. In otherwords, the loan can exceed the value of the home.”

The most important thing before getting a home loan though is to make sure to examine first your financial standing and capabilities before getting one in order not to get in more financial debts and trouble in the future.

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Small Business Franchise Business Opportunities in the Philippines

Making and or starting a Franchise business is one of the most successful business strategy and framework especially in the last decades in the Philippines.

In a country that is fueled by domestic consumption and spending specifically on areas that are considered to be the basic needs of man, small franchise business opportunities are the most usual business platform that is being utilized.

Franchising “is the practice of using another firm's successful business model” according to Wikipedia.

This definition alone makes franchising very enticing as one is already assured of a business system has been proven to work, training, a brand and support from the main business owners. Franchising is like making chains or networks of stores.

In the Philippines, franchising is everywhere, from foods stall and carts, perfurmery, dining outlets among others.

But franchising a business is not easy. It is also doomed to fail especially if one is thinking that since he is using a proven business model, he does not need to do his own homework.

A very good way before starting out in this kind of business venture is to ask the assistance and guidance of business consultants or the Philippine Association of Franchisees.

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Social Security System (SSS) Online E-Payment Remittance for OFWs

The Social Security System or SSS opened up its Online Payment Remittance service to all its members especially to those who are self-employed and for OFWs or Overseas Filipino Workers.




SSS Payment Centers and Payment Options:

Over the Counter (OTC)
- For voluntary, self-employed, household employers and corporate payments
• SSS Tellering Counters
• Accredited Banks
• Post Office
• Bayad Centers
• SM Payment Facilities


Electronic Payment (E-Payment)
-For corporate payments
• Bancnet
• Banco de Oro
• BPI Expresslink
• Union Bank

For self-employed payments
• Bancnet Online (BOL)

Automatic Debit Arrangment (ADA)
- For voluntary, self-employed and household employer payments
• Banco de Oro
• Bank of the Philippine Islands
• Development Bank of the Philippines
• First Consolidated Bank
• Green Bank
• Metrobank
• Philippine National Bank
• Philippines Savings Bank
• United Coconut Planters Bank

Don’t forget to always pay on time in order to prevent any charges and penalties.

Additional information here about SSS Loans Applications.

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GSIS UMID Compliance E-Card, How to Enroll and Apply

GSIS is campaigning for a Unified Multi-Purpose ID Card for all its members. This UMID Card will consolidate all other government-issued cards into just one card. Other cards that will be included into this UMID card are the following:

• PhilHealth ID
• SSS ID
• Pag-Ibig ID

and hopefully that of the voter’s ID issued by the Commission on Elections or Comelec.

The GSIS UMID Card stems from the Executive Order No. 420 released on April 13, 2005 that asks government agencies and government-owned and controlled corporations (GOCCs) to consolidate and harmonize all ID systems.

How to Enroll and Apply?

As of this moment, GSIS has not yet released an online enrollment but members and interested are asked to go to the nearest GSIS regional offices to apply for the UMID card.

So far, around 1 million members had already applied.

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BPI Bank Housing Loan, Interest Rates and Information

One of the country’s oldest and most profitable bank offers its customers a housing loan that will fit one’s financial capability and personal tastes for his choice of his dream home.
BPI Bank offers their BPI Housing Loan that is customized to fit the customer’s financial capability with flexible payment options payable from 1-25 years under reasonable interest rates.

Interested? You can easily visit the nearest BPI bank and share to them about your desire of having your own dream home.

Contact information:

845-6888

Text: HOUSING PDI Name Message and send to 0917-891-0000

Email: housingloan@bpi.com.ph

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