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  1. #11

    Quote Originally Posted by john_dux View Post
    sa kadaghan2x sa tao sa america its impossible nga wala competent didtu.. pila ra man gasto sa pagtrain.. and considering they dont ahve to study the american accent.. nka train man gani ato country pila ka nurses, sila pa kaha.. given the right incentives and considering nga taas au unemployment sa states.. di na sila arte arte ngita trabaho...

    ang sakit sa mga kano.. di lang jud sila ganahan mo himo sa mga "dirty jobs".. in short mga tapulan. hehehe pero sa kalisod sa panahon. ngano kintahay pili2x pa sila...

    sa ako na notice sa america karon. murag nibalik na pud ilang pre-world war 2 mentality nga isolationist kaau.. they prefer to keep to themselves.. immigration was just the beginning.. we could be losing space on the american market...

    this is going to be very very bad for businesses.. daghan2x baya pud mga clients/customers nga call center agents...

    Nice observation. We must invest in our own country so that our funds will be in our country circulating around the country not going out from the country.


    OT : Philippine economy is going strong and strong. Hehehe! better invest yourself to know more about Financial Industries and Financial Services. This is my forcast in the future, Philippines will become the Financial Capital of Asia. Do you know why? We have a strong banking system and a lot of Filipinoes already wanted to save for their future. I don't know if you believe me or not but this is what I believe in the long term.
    Last edited by lorenzoleo; 06-01-2010 at 10:24 PM.

  2. #12
    Quote Originally Posted by cyraxx View Post
    Propose pa na bay. And the call centers are willing to make concessions if ever. Each agent they get around 75k. and they pay around 15-20k, so the room for concession is there. however, If madayon ni the problem is naa ba option ang client to refuse to get connected overseas. Sa initial proposal wala man. Pa kurat ra ni sa industry but after ana it will be back here. This is a multibillion dollar industry. Even in the US, money talks. Lobbyist will kill this bill. In reality - there are not much US counterpart that can match the patience of indian or phillippine agent. This will get a backlash at them. Big companies having support issues will shorten the warranty and support. So they need to balance it. at the end of the day, it will be business as usual.
    we have to consider also nga daghan sa states nga mo descriminate people from other places.. its a cold hard fact.. do you think ganahan sila ila problems ipasa ra "technician trained somewhere in the philippines"?... ma pride bya pud ng mga kano...

    thats right.. its a multi-billion industry.. do you really think that the US will simply give it to others when pwede man sa ila ra?... the US is actually in deeper economic $h!t than us here... they need the money really bad...

    "there are not much US counterpart that can match the patience of indian or phillippine agent"- i really dont think so... it just happens indians and filipinoes are more motivated (sa kalisod sa ato pagkahimutang)... given the right kind of motivation, the americans can too... parehas ra ta tanan tao...

    about sa US.. grabe ka dako ila utang, and ila economy hapit na mo collapse.. tanawn nato. nindot kaau ila life didtu.. but we have to look at the balance sheets and papers to see beyond appearances.. america is a ticking time-bomb...

    i really wonder unsa new oppurtunities for filipinoes when the call-center industry weakens...

  3. #13
    Quote Originally Posted by john_dux View Post
    we have to consider also nga daghan sa states nga mo descriminate people from other places.. its a cold hard fact.. do you think ganahan sila ila problems ipasa ra "technician trained somewhere in the philippines"?... ma pride bya pud ng mga kano...

    thats right.. its a multi-billion industry.. do you really think that the US will simply give it to others when pwede man sa ila ra?... the US is actually in deeper economic $h!t than us here... they need the money really bad...

    "there are not much US counterpart that can match the patience of indian or phillippine agent"- i really dont think so... it just happens indians and filipinoes are more motivated (sa kalisod sa ato pagkahimutang)... given the right kind of motivation, the americans can too... parehas ra ta tanan tao...

    about sa US.. grabe ka dako ila utang, and ila economy hapit na mo collapse.. tanawn nato. nindot kaau ila life didtu.. but we have to look at the balance sheets and papers to see beyond appearances.. america is a ticking time-bomb...

    i really wonder unsa new oppurtunities for filipinoes when the call-center industry weakens...
    Cool! Hehehe! We better invest in long term businesses like in the Financial Industry because it is where the money is circulated. Excited lagi ko sa effect sa stocks ani.

  4. #14
    Quote Originally Posted by lorenzoleo View Post
    This is my forcast in the future, Philippines will become the Financial Capital of Asia. Do you know why? We have a strong banking system and a lot of Filipinoes already wanted to save for their future. I don't know if you believe me or not but this is what I believe in the long term.
    nice one bro.. hehehe

    i think mas mo gahi ato financial system kung ang lower class kamao pud mo invest atleast on the baisc.. for a simple example, lets say that every low class worker has a 100 peso deposit on the bank.. pila gud ka low class worker sa pinas.. so dako2x jud money ma circulate... lets talk macrofinance.. hehe mas more money available. mas daghan loans. mas daghan businesses mka start..

    sa ako na notice.. financial literacy is very much lacking on the lower class.. but given the right education.. kining lower class ang pinikadako nga player sa ato success

  5. #15
    Quote Originally Posted by john_dux View Post
    nice one bro.. hehehe

    i think mas mo gahi ato financial system kung ang lower class kamao pud mo invest atleast on the baisc.. for a simple example, lets say that every low class worker has a 100 peso deposit on the bank.. pila gud ka low class worker sa pinas.. so dako2x jud money ma circulate... lets talk macrofinance.. hehe mas more money available. mas daghan loans. mas daghan businesses mka start..

    sa ako na notice.. financial literacy is very much lacking on the lower class.. but given the right education.. kining lower class ang pinikadako nga player sa ato success
    Yes bro you got the point what IMG is try to do with people. Especially in changing their mindset from spenders to savers. That's IMG is all about Financial Literacy with real application.

    We educate the middle income families on how to be more responsible in handling money.
    IMG is exploding Financial Literacy all over the world where Filipinoes are visible.

    I'm so excited about this one, you don't need to change people. You change first yourself before you can help others.
    There will come a time that all of this Financial Institutions in the Philippines will become one with our mission. This is what I believe in.
    Last edited by lorenzoleo; 06-01-2010 at 10:45 PM.

  6. #16
    Quote Originally Posted by john_dux View Post
    nice one bro.. hehehe

    i think mas mo gahi ato financial system kung ang lower class kamao pud mo invest atleast on the baisc.. for a simple example, lets say that every low class worker has a 100 peso deposit on the bank.. pila gud ka low class worker sa pinas.. so dako2x jud money ma circulate... lets talk macrofinance.. hehe mas more money available. mas daghan loans. mas daghan businesses mka start..

    sa ako na notice.. financial literacy is very much lacking on the lower class.. but given the right education.. kining lower class ang pinikadako nga player sa ato success
    lisod mkasave ang low class worker.. even if you'd like to educate our low class worker.. magasto mn gud samot nah f dako ug family buhion.... talking about outsourcing, one of the reason Why US/Canada would like to outsource in another foreign countries is because most of these foreign countries produces more graduates in Science and Technologies compared to there own... Its not just about financial system, ky corrupt man most of our government officials which is a part of our culture maong lisod usbon.. even if the change begins within ourselves... These foreign investors played an important role in our economy... ky they contributed a lot... for sure madugayan pana una na maimplement ilang bill...

  7. #17
    Quote Originally Posted by butterfLytaiL View Post
    lisod mkasave ang low class worker.. even if you'd like to educate our low class worker.. magasto mn gud samot nah f dako ug family buhion.... talking about outsourcing, one of the reason Why US/Canada would like to outsource in another foreign countries is because most of these foreign countries produces more graduates in Science and Technologies compared to there own... Its not just about financial system, ky corrupt man most of our government officials which is a part of our culture maong lisod usbon.. even if the change begins within ourselves... These foreign investors played an important role in our economy... ky they contributed a lot... for sure madugayan pana una na maimplement ilang bill...
    i hope too sab... coz this aint good on our side... daghan businesses apektado ani..

    sa construction ive dealt with people who we can really say are in poverty and daghan pa jud gibuhi... ako ra na observe is that.. kulang jud kaau sila sa disiplina when it comes to money.. saon. pag tingsweldo, iinom daun.. ambot kaha naa pa mabilin para sa ila mga pamilya...

    sa kanang graduates.. mas daghan ta dire (kung by percentage at basihan) kay mura man pud gi mass production mga college grads dire.. hehehe.. i think naa jud na sa asian culture nga mo value jud education... kay para sa most asians.. education is a social symbol baya...

    sa kanang manpower thing.. ato main rival ana is china... kung huna2xon, kaya gani kaau sa china nagtrain daghan nurses para sa ila demand and also para ipadala sa gawas, unsa pa kaha other workers.. and also naa pud indians nga modawat sweldo lower than ours..

    we live in such interesting times....

    sa ako lang opinion.. daghan pa kaau other sectors nga murag kulang kaau workers, sa construction pa lang, kulang kaau QUALIFIED skilled workers (mason,carpentero,tilesetter,welder,etc).. sa mga graduates.. ambot ngano nagbaha mga new nurses... dapat ato govt. naa sila service or something nga maka tell unsa jud kulang (and forecasts) sa workforce sa ato country

    i think maau guro its time nga ato i consider oppurtunities offered sa tesda.. hehehe

  8. #18
    This will be a challenge for the new administration on how to keep the current job afloat and cut unemployment rate. C Noy ang simula! tsk3x

  9. #19
    Quote Originally Posted by john_dux View Post
    i hope too sab... coz this aint good on our side... daghan businesses apektado ani..

    sa construction ive dealt with people who we can really say are in poverty and daghan pa jud gibuhi... ako ra na observe is that.. kulang jud kaau sila sa disiplina when it comes to money.. saon. pag tingsweldo, iinom daun.. ambot kaha naa pa mabilin para sa ila mga pamilya...
    hehehe! Mao jud ni bro sakto kaayo ni. Mao ng common mindset sa tao inig abot sa sweldo expenses dayon may untag ang expense kay para sa needs pero ang naka pait lang kay ang expense kay toa sa walay hinungdan.

    Let me give some example:
    Cigarette smoking : Lets say a person can consume 1 pack of cigarette a day lets say the price of the pack is about Php 40.00, so in 1 month Php 40.00 x 30 = Php 1,200. If this person is only Financially Educated, he/she invest Php 1,200 in a mutual fund let say ROI is 10% per annum and if he/she always contribute it monthly into a mutual fund, through time it could make millions. The mistakes of alot of people is that they don't know how to count. Ginagmay2x na consistent savings it could produced millions in their lifetime but no one teach them.

  10. #20
    Quote Originally Posted by lorenzoleo View Post
    If this person is only Financially Educated, he/she invest Php 1,200 in a mutual fund let say ROI is 10% per annum and if he/she always contribute it monthly into a mutual fund, through time it could make millions. The mistakes of alot of people is that they don't know how to count. Ginagmay2x na consistent savings it could produced millions in their lifetime but no one teach them.

    Bro,
    Mao ba na kasagaran guaranteed ROI for mutual fund (10% PA)?

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