How to Earn Your First Million?

1. Look for Problems
Yes, solving bigger problems means good business for you.
2. Choose to Solve Problems that you can Relate
In finding a good business idea or work, always start with who you are? What are you existing skills? Or can you learn the necessary skills/knowledge to accomplish it?
3. Find a Mastermind Team
A good support group or mentor will determine your success. Learning from others on how they fail and did it better is a shortcut to your own success.
Example of Million Dollar Opportunities
a. e-Commerce, where you can sell products globally. I am launching my store next month.
b. Network Marketing, one bad apple is not a representation of the entire basket. There are good companies that are reliable and even publicly listed proving that it is legal and ethical.
c. Pay Per Skill – You might not be aware of it but employment is one sample, it could lead to to a million but it might take longer. How to speed up making it? #4 >
d. Be self-employed or freelance, decide what business or profession you want to be very good at. Becoming very good at one area does not happen overnight, but doing it over and over again can lead to you becoming a highly paid professional or the most successful entrepreneur in your field.
Bottom line: Ask yourself are you busy looking for ways to earn or busy making your reasons to stay where you are?

What to Expect in the Opportunities Around us?

The average income per annum of a young professional in the Philippines is Php 250,000 or $5000. Given that yearly you are getting 10% salary increase, a young professional can expect Php 366,000 or $7320 annual income by 2020.

Sad reality, Php 30,000 in 2020 is not enough to feed a family. According to CNN Philippines, to live comfortably in the Philippines a family of 3 members need a household income of Php 100,000 monthly.

Millennials are actively looking for ways to increase their income potentials or to speed up their success. Here’s the truth about it.

1. Network Marketing, this industry is over promising – BIG MISTAKE! People expect to earn big in the industry without exerting Effort. It can over deliver an under-promise result but you need to be consistent in the next 2-5 years. I personally LOVE this.

2. Stock Market. OVER PROMISING and VERY RISKY! You can lose huge amount of money in an instant but you can also earn big instantly. Still this is a very good vehicle for long term growth. Your gain is proportional to the investment. IF you are lucky – Php 10,000 can grow 10%, 20% or even 200% but if you can only invest a small amount 200% of Php 10,000 is 20,000(this is rare but possible) or in 5 years. I also invest in stocks.

3. Real Estate, I did my math – If I buy a Php 5,000,000 property in 2017, can I sell this in 2020 at Php 8,000,000-10,000,000? No, mostly likely it is still newly endorsed. But long term – it can be promising as well.

4. Digital Marketing – Massive social media movement of branding, selling, sharing, value creation or even creating a sales team to talk about a product, use the product, develop a product and be paid in commission, royalty or equity – THIS IS AS PHENOMENAL.


Bottom line, it’s takes time to grow a tree so thus harvesting it’s fruit. But their are huge potentials around you today.

How Do You Manage Your Time?


In the world where we get so much distractions, a world where gold fish has better attention and focus than us – time management is a necessity.

Here’s how I do it as a millennial.

In order for me to finish small or medium task at a time I will have a cup of tea or coffee beside me. The closer I get to finishing my tea or coffee the closer should I finish the task.

Giving the mindset that one task at a time gives me power to focus and create better result.

One cup of coffee to finish;
– a lovely conversation
– write an article or 2
– connecting with customers
– finding new customers online
– connecting to family or friend
– creating your 6-12 months action plans
– evaluating your progress

Enhance your life from starting on small practice.

What do you think about this ritual?

How to Deal with Unique Personality Types?


When I first heard about the Holland Codes, I was intrigue with each personality types thus I decided to use it in working with the diverse personalities around me. Understanding more about the six different personality types can be beneficial in running your business or organization.

R: Doers (Realistic)

People with this main characteristics are independent, stable, persistent, practical, down-to-earth, physical, athletic, or mechanical. They can and think straight and they don’t hesitate before doing something.

They are the sales people, people who love to have fun at NOW habit.

I: Thinkers (Investigative)

People with the main type of thinkers are intellectual, curious, methodical, rational, analytical, and logical.

They want to know a lot about the world around them and are good in thinking first before making any decision. They love to solve problems and investigate before reacting.

Accountant, Engineers, Doctors, Mathematicians and IT professionals are the usual group of professional who are in this personality type.

A: Creators (Artistic)

People of this type are creative, intuitive, sensitive, expressive, unstructured, original, nonconforming, and innovative, spontaneous and open-minded.

They are keen to create something new, something beautiful and have an impact of many people’s minds with their creations.

Animators, Artist, Writers and Painters are some of the people in this group. The want to express themselves and they cannot be keep with specific standards.

S: Helpers (Social)

This type of people are kind, generous, cooperative, patient, caring, helpful, empathetic, and friendly. They find it important to help people and they value work with others a lot.

For helpers, money is not their motivation but charity and service to others.

Nurses, caregivers and teachers are in this group.

E: Persuaders (Enterprising)

People who have a stronger feature of this type are adventurous, ambitious, assertive, confident, extroverted, energetic, enthusiastic, optimistic, dominant, persuasive, and motivational.

They become good leaders, they are good in engaging with people and inspiring them to follow them. They are not afraid of taking risks and playing the main role in what they do.

This is the DNA of entrepreneurs, politicians, physical therapist and even bartenders.

C: Organizers (Conventional)

This type of people are the people who are logical, efficient, well-organized, thorough, and detail-oriented.

They are careful and like to give structure to what they do. Practical tasks, quantitative measurements, and structured environments are the fields they are very good at.

Your boss, some CEO’s/managers could be on this group.

You could have 2 or 3 or any combination of these personality types. You are normal and they are too. So the next time you meet someone instead of judging them or disagreeing with them ASK – is it his/her intention to behave this way or it’s just naturally his/her personality?

You will have the power to influence and empower your team by understanding and working on each differences.

I am a world citizen: the reasons why millennials choose to travel over settling down

Your friends are very active in posting and sharing about their next travel destinations. Their inspirations in Europe or their adventure in Southeast Asia. It looks very inviting and made you think about your personal goals in life. What is really the reason of most millennials in creating their own path to discovery over settling down?

I was 24 when I first worked abroad. I stayed in Singapore and worked in hotel, 2 years later I quit my job as a manager to work full-time in my business. I decided to move to Indonesia where I met few people doing online job but mostly on their own startup projects.

When I started out on my personal journey it was a risk, I had few back up plans just in case my attempts will not succeed. Within the past 3 years I have met people gave up their corporate career for a one way ticket. Here are the reasons we share;

Living and Discovering Life’s Meaning

Getting married or having promotion at work is no longer the primary goal of millennials. We tend to hold it for a purpose of seeking new knowledge. University books are never enough for us but going to places and seeing how people live, laugh and breath is what we want. We are a generation who want to experience the world first-hand.

We try to avoid making commitments at home because we want to fully get the chance to integrate to the next country or society we will be living in. Finding a job is an option to support us while others chose to work online so they have the freedom to work at their working convenience.


Compared to the generations before us we have expanded our marketplace thus making us grow our ideas of doing a business. We think global and we love to compete in a bigger marketplace.

We are becoming more open minded and welcoming ideas from other entrepreneurs from other cultures. It excites us to do business with multi-cultural environment. Solving a small community problem is no longer the business of our generation but we are trying to make the world our consumers. We want to dominate a bigger marketplace and reach a bigger audience.

New Work Ethics

Living overseas or with diversity allows us to develop new work ethics. We are trying to cope up with the innovations in the internet in order to be part of its growing success. We are becoming multi-taskers who are needing flexibility in our tasks.

Millennials have different work ethics now than the previous generations. For us, it is less important to have a nine to five job and having the freedom to sustain our lifestyle is the new standards. Regardless of having or not having a real office to work.

For example, I do coaching for a marketing company. I consider Starbucks as my office to do trainings and meetings. I organize my own recognition and award program with my marketing team, sometimes our top seller incentive is a Royal Caribbean Cruising experience for a week. I communicate with my sales team through WhatsApp and at times I conduct trainings through Facebook Lives. We also have shared folder like a normal office but we use Box or Dropbox now.

I do not attend BNI groups or Rotary Club to network. But millennials join events organized through or and even find new contacts through dating if not social media apps.

Easier To Find a Job or Business Partnership

The good thing with the millennials is the adaptability. They can easily adjust to new environment and they are driven to win and prove themselves. Though some are leaving the corporate world there are other millennials that are doing well in a new country that they are moving to.

It is easier for them to find a job or even business partnership bringing the knowledge and work experience they have from their home country. Once a millennial choose to work or stay in that country it is when he/she can tell that the self discovery is starting to be found.

Realizing that they do not need to search themselves but they have to create it and moving to places is where it becomes a possibility.

It’s Simple:
It’s easier than ever before with technology. We live in an age where it is possible to connect with people and companies around the world within seconds. The fear of moving abroad can be virtually eliminated by lining up a position ahead of time, communicating with fellow expats, and exploring where you plan to move; all while over your morning coffee.

Millennials may appear complicated but they are not. Yes they have so many ideas or maybe less focus as others judged them to be but they are not. Millennials are looking for an environment where they can practice their gift and be them without being judged.

They want to be understood and accepted. They believe that they have ideas but their ideas are sometimes questioned before it is heard. So they go somewhere people are more open-minded or with like-minded individual.

Your Financial Goals at 20’s

1. Begin educating yourself about personal finance. It was scary but I did not also learn to be more aware of my financial literacy. All I knew when I was to make more and more money. But know what you do not really need a big amount of money before you finally become financially literate. Start studying now or else you make money but you can never keep them.

2. Specify a budget. Oh no your friends are traveling too much and some are partying too much and even shopping too much. So what? For me the best advice I could give you is create a budget of how much can you spend daily? weekly? or monthly? If you can learn to create the limit then you are safe from being trapped to a bad debt.

Let them enjoy but hold your own wallet. You should know how much you can spend, save or waste.

3. Research your health insurance options. I am guilty again on this. I remember buying my first Macbook, it was insured and someone asked me if I am insured. Sad reality we want to secure our wants versus the need. My best advise? Make sure not to wait for your 40’s before you buy an insurance. Remember the early you start the smaller you pay and the better benefits you can choose and enjoy.

4. Create an emergency fund.
 You know want their might be a recession tomorrow or next month or I don’t know and let me ask you – any emergency fund on hand? It’s scary right? What if you will lose your job today, can you survive? Save a little amount and be consistent.

5. Avoid credit card debt. I had really bad experience with this and my best advise? Never to use credit card unless you can pay it. By the way I never used credit card for so long now – no obligation and I don’t spend more than what I make. Please do not believe in enjoy now and pay later mentality.

6. Track your credit score.
 Oh yes! I cannot disagree.

7. Don’t forget your retirement account. Just because you have an emergency fund or savings account then no need of retirement fund? No! Save a little and be consistent in doing so.

8. Plan your debt repayment for any loans. Do it! Can’t you just live loan free? 🙂 Ok I got it but please try to settle your loans and as soon as you pay it never to get a loan or make it your last option. Avoid borrowing money or lending money from or to a friend too. Money is money – it can ruin beautiful relationship. So please avoid it as much as possible.

9. Find another source of income. So you are paid well? Good but don’t be dependent in one source. It’s about multiple sources of income. Trading your time over money will never give you the freedom you desire. You can end up losing from inflation and running the rat race for your most sacred bills. You don’t want that right?

10. Practice bargaining. I love to bargain. It’s an art of negotiating. Whatever you buy ask for a discount or ask this – can I find something with the same value at the same or lower price? Don’t be ashamed you are just being smart with your money.

Starbucks have membership card where you can havefree Grande in each 10 transactions maybe time for you to register for that. Try including some deals on travels too – later I will share where or how I bargain for my trips.

You can bargain online or face to face. Try it. It’s fun.

11. Know where you are going financially.
 So sad again, not all people are willing to prepare for that financial goal. Don’t be scared – preparation is better that being surprised by the sky rocketing bills and responsibilities like hospitalization or even children’s education.

How To Make $500 Monthly from Creating Websites (A Step-By-Step Guide)

Are you into selling but without technical computer skills? Or you are someone good at computer but without the gift of pitching your skills? If you are both someone who can negotiate a deal and someone who knows how to make a website then I hope this article can help you earn your first $500 monthly in the next 30 days.

Technical Skills Required: With Basic Skills in Making Websites

Target Market: Any Local Business in Your Community who has No Website

When it comes to the idea of making money I would disagree if someone will go hungry with the opportunities online and here are my steps in earning your $500 monthly.

1. Branding yourself

Before we go with the next step, I want you to brand yourself. Just help me answer the following:

Your company name:  (Any name that represent your service/product)

Your product: Website Making for Local Businesses

Core Mission: To empower local businesses to be visible online by creating user-friendly websites at an affordable cost. (you can copy this if you like)

2. Costing

Normally it would cost people $200-400 to create a website from scratch. But some websites offer it at $20 but with limited service or items to be added in the website. But going back to our core focus “empowering business to be visible online.” I believe that increasing your price may lead to your potential customers to find somebody else to do it for them.

So go for the competitive pricing. Remember you can charge premium price for one customer but not get new customer after or price reasonably and give extra value so they will bring more customers to you and keep you to do all future project for them later on. You can choose.

My recommended price between $50-$100 per year.


  • self-hosted site or website with their own domains set-up (choose godaddy or wordpress)
  • free templates plus training on updating their site for blogs or new product posts
  • 15 menus or pages

Now you might be thinking that it’s too much. Think of creating value. That is the power to this business. There are so many people who can do it. I set-up my whole site without the help of a programmer. They can do it too if they want.

3. Identifying you target market

Now, think of existing business in your location. Answer the following;

a. Write down the names of top 10 businesses/organizations in in you location.

Local Restaurants:

Travel Agencies:

Flower Shops:

Business Organization:


b. Do they have existing websites? 

If yes, do an assessment on the website and look for areas that can be improved.

If no, BINGGO! They are your hot markets.

c. Know the contact person and approach them.

4. Have a print out of your package and service.

A 2-3 pages printed information about your service and it’s package is a perfect idea. You can use it in approaching them. Having your business card is an extra points for you.

Since your product is website making you need to have yours too so you have sample to present to them.

5. Look for someone to negotiate for you

If you cannot have the nerve to do the pitch. Ask friends or someone with the skill to do the pitching. A 10-20% share per project is a generous one. The happier your salesman is the more business he/she will bring to you.

Now can you really earn $500 monthly?

If you sell your product at $100/project you only need 5 projects per month or offering it at $50/project only needs 10 projects monthly. What if you get more? The happier I will be for you. Maybe you can send me you testimonial later as motivation to write more ideas like this.

Go out! Help the communities and you will have your reward.

Happy working!