Ofw bank, bank of the ofw's, for ofw's, run by ofw's,

[EsoyLegaspi]

Very very very very very good question. Let's brainstorm. How do banks run their business ?? How do they trust their CEO's, CFO's, GM's, etc., How does Henry Sy run BDO ? Does he need to have "trusted" people? The CEO, CFO is an OFW or ex-OFW, down the line. All officers must submit all SALN's, his wife, brother and sisters, sons and daughters and father and mother, brother in law and mother in law. and fully audited-verified and published in the Internet. If you want to be a bank officer. All officers must submit to full transparency and verification. There will be a separate OFW independent auditing group.

There will be bad eggs along the line, but we will make it very difficult for bad eggs to survive. They will be detected immediately because an OFW-rotten egg, will always smell. All bank officers will have their SALN's posted in the INTERNET. Officers will be paid the best of pay in the Philippines very competitive like other banks.

If there is anything you can add to make it "corruption proof". We will have a battery of lawyers who will prosecute those who are caught stealing. We will publish the names of the family and family members of the cheater. These are the OFW officer who dare cheat the lowly OFW. Let the lawyers think about how to prosecute those things. That is what we pay them for. If you are OFW and you intend to cheat, think about this before dragging your family. We just saw that in the last trial of the century.

If you think that is not enough and too harsh or have a better suggestion post it. Or if you think we should be kind hearted to cheaters and be forgiving and love them, be understanding to cheaters and liars because we are also sinners and they should be treated fairly, let us know.

We don't need "TRUST" and "TRUST WORTHY PEOPLE" we need a "mechanism or process flow" to protect our "TRUST". TO GOD BE THE GLORY. ONLY IN GOD WE TRUST, ALL OTHERS MUST PAY CASH.(How about that - motto for the OFW bank)

Dear Friends,
just in case the above write up was embedded, I am reposting as a reply to issues recirculated and related to "TRUST", bad experiences and what to do with cheaters. Once again my position is that we DO NOT NEED TRUST(Kasaligan ?), there should be a process and a mechanism for bank-officers to manage and procedures to follow. Safe to say average of 50% of the people will always cheat and take short-cuts whenever they can that is a given. 50% of the people will cheat their companies if there are no rules that is a reality. Myself, I like to challenge rules and policies to see how determined companies are. I like to bend rules and see how creative management can get and will run after me.

Companies are spending millions for security guards annually to inspect and roam around company premises. Money lost for unproductive cause. Companies spend millions for accounting processes and payroll systems and counter checking time cards because of distrust on employees. Millions lost because of distrust. Why do we need time cards and security guards and recently CCTV cameras to watch over employees. Distrust breeds additional losses.

While I believe we want to create a culture of TRUST, we can achieve this "TRUST" by establishing guidelines and procedures if those who believe that people cannot be TRUSTED. If you think Bank Officers should not be trusted then this is simply solved by setting up a mechanism in place. A mechanism of check and balance. If that is not enough perhaps a process something like passing through the gold/diamond processing plant.

Hence, OFW-Bank will have a mechanism to handle TRUST. Later you will realize you don't need to worry about TRUST because you almost "virtually" did not put in anything. Dis-trust is old boxed thinking because you are afraid you will lose your investment. What if you did not "invest" anything, but will have so much to benefit from. Yes, that would sound ridiculous.

There is only one that is truly good and can be trusted. I bet most readers know who that "guy" is.

[EsoyLegaspi]

Why join OFW Bank? What are the benefits and advantages --

Think out of the box, think beyond your imagination, cast the bind of the baby elephant was conditioned to while growing up, in your heart and mind and body before you read the following. The Elephant in you has grown to be strong and better and more intelligent. List your wishes below...

Why join OFW bank – a bank with no capital
a. Do you want to have a bank of your own and part owner where you are protected and not the interest of the capitalist, financiers and investors?
b. Do you want to have a bank that you get to share the benefits while being an OFW- member depositor only?

more to come -

[EsoyLegaspi]

PH soon to join 'tiger economies', claims expert - Yahoo! News Philippines

Many are asking where do we get the Capital? The capital is in front of you. If you read the above article, it will tell you that the Philippines is the 5th Country with the largest resources. That is why I believe we can do it with ZERO capital. We start with ourselves, the most important ASSET any company can have. ZERO liabilities.

Friends, all what we NEED are there waiting for us and provided by God, FREE FREE FREE. We just have to move out a little of our COMFORT ZONE and wake others up. There is so much to do and so little time but we can make it. We can beat Singapore. Our AZKAL's have done that already. We can BEAT them and be better, we are not only the TIGER - We are the freed, intelligent, Great Elephant - Strongest animal on earth. The tiger is an opportunist and KILLs.

We have been provided by God so much wealth, that there is no need for GREED, HUNGER or VIOLENCE. We can all be happy and in harmony with our fellow men and nature-our environment. We are the truly blessed country if we fight the DE-mons and DE-vils by going out of our COMFORT ZONE ( Remember the Good Samaritan).

We know his plan is to Di-vide and De-stroy, Dis-courage, spread Dis-ease(Poisonous Words for the Mind, words that can hurt, Dis-courage, Dis-able) It is the De-vil / De-mons that create all these Dif-ficulty, Dis-trust we need to counter act all those "DDDD's" with "GGGG's" - God centered, God to be Glorified (not us and our arroggance and pride) We have to replace the "poisonous words" with God's word. Then God will be Generous and Give us our rightful Inheritance, we have to protect and manage it, make use of it for everyone to share.(Parable of the Talents). God Grace - ZERO capital-money.

[EsoyLegaspi]

For those who like to ask for more - using the "GIVE & TAKE" business concept.


Think out of the box, think beyond your imagination, cast the bind of the baby elephant was conditioned to while growing up, in your heart and mind and body before you read the following. The Elephant in you has grown to be strong and better and more intelligent.
Why join OFW bank – a bank with no capital
a. Do you want to have a bank of your own and part owner where you are protected and not the interest of the capitalist, financiers and investors?
b. Do you want to have a bank that you get to share the benefits while being an OFW- depositor only?
c. Do you want to have a bank of your own that you have a voice and can share your ideas, develop a sense of security – togetherness with your fellow investors/depositors.
d. Do you want to have a bank of your own that will help you run your business, provide reasonable loan rates and nurture and guide you through your growing stage?

more to come...think think think

[EsoyLegaspi]

Think out of the box, think beyond your imagination, cast the bind of the baby elephant was conditioned to while growing up, in your heart and mind and body before you read the following. The Elephant in you has grown to be strong and better and more intelligent.
Why join OFW bank – a bank with no capital
a. Do you want to have a bank of your own and part owner where you are protected and not the interest of the capitalist, financiers and investors?
b. Do you want to have a bank that you get to share the benefits while being an OFW- depositor only?
c. Do you want to have a bank of your own that you have a voice and can share your ideas, develop a sense of security – togetherness with your fellow investors/depositors.
d. Do you want to have a bank of your own that will help you run your business, provide reasonable loan rates and nurture and guide you through your growing stage?
e. Do you want to have a bank of your own create a bond and working relationship you can run to in case of emergencies, instead of going to the loan sharks?
f. Do you want to have a bank of your own where you are insured while you are earning deposits. Banks insure those who owe them not those who deposit money. The premium for the insurance is actually paid by you and all the hidden charges that can shock the daylight out of you.

[EsoyLegaspi]

Think out of the box, think beyond your imagination, cast the bind of the baby elephant was conditioned to while growing up, in your heart and mind and body before you read the following. The Elephant in you has grown to be strong and better and more intelligent.
Why join OFW bank – a bank with no capital
a. Do you want to have a bank of your own and part owner where you are protected and not the interest of the capitalist, financiers and investors?
b. Do you want to have a bank that you get to share the benefits while being an OFW- depositor only?
c. Do you want to have a bank of your own that you have a voice and can share your ideas, develop a sense of security – togetherness with your fellow investors/depositors.
d. Do you want to have a bank of your own that will help you run your business, provide reasonable loan rates and nurture and guide you through your growing stage?
e. Do you want to have a bank of your own create a bond and working relationship you can run to in case of emergencies, instead of going to the loan sharks?
f. Do you want to have a bank of your own where you are insured while you are earning deposits. Banks insure those who owe them not those who deposit money. The premium for the insurance is actually paid by you and all the hidden charges that can shock the daylight out of you.
g. Do you want to have a bank that takes care of your children college assurance plan for a minimal reasonable fee? No need for too much profit, because it is your own bank.
h. Do you want to have a bank in case your business fail you’ll get a reasonable value for your collateral once disposed of by the OFW-bank? Buyers may also other OFW’s. There is no such thing a suicide sale.
i. Do you want to be a part of a bank that does not have to satisfy investors for their investments but only with reasonable returns? You are the investor and you are the reasonable investor.

[vectorani]

Fellow OFW's, friends and relatives of OFW's. I hope to get the sentiments of my fellow OFW's. Share your thoughts. We can take care of ourselves and ready to get this through, together we stand and do something for our dreams, hope, aspirations. We build our own OFW Bank !! A bank of the OFW, for OFW and by OFW's. Can or No Can ??

damgo rani kutob.

[EsoyLegaspi]

Think out of the box, think beyond your imagination, cast the bind of the baby elephant was conditioned to while growing up, in your heart and mind and body before you read the following. The Elephant in you has grown to be strong and better and more intelligent.
Why join OFW bank – a bank with no capital
a. Do you want to have a bank of your own and part owner where you are protected and not the interest of the capitalist, financiers and investors?
b. Do you want to have a bank that you get to share the benefits while being an OFW- depositor only?
c. Do you want to have a bank of your own that you have a voice and can share your ideas, develop a sense of security – togetherness with your fellow investors/depositors.
d. Do you want to have a bank of your own that will help you run your business, provide reasonable loan rates and nurture and guide you through your growing stage?
e. Do you want to have a bank of your own create a bond and working relationship you can run to in case of emergencies, instead of going to the loan sharks?
f. Do you want to have a bank of your own where you are insured while you are earning deposits. Banks insure those who owe them not those who deposit money. The premium for the insurance is actually paid by you and all the hidden charges that can shock the daylight out of you.
g. Do you want to have a bank that takes care of your children college assurance plan for a minimal reasonable fee? No need for too much profit, because it is your own bank.
h. Do you want to have a bank in case your business fail you’ll get a reasonable value for your collateral once disposed of by the OFW-bank? Buyers may also other OFW’s. There is no such thing a suicide sale.
i. Do you want to be a part of a bank that does not have to satisfy investors for their investments but only with reasonable returns? You are the investor and you are the reasonable investor. (Lugi and ginansiya – for the investor ?)
j. Do you want to be part of a bank that will help you build your quality homes in quality subdivision developed by OFW-developer, financed by OFW-Bank?
k. Do you want to be part of a bank without investing anything? ZERO outlay.
l. Are you applying for a job abroad and need help and protection for your placement fee?

[fyodor sven]

pwede ko mag withdraw sa akong savings sa OFW bank hehehe

maayo baya ang OFW bank kay daghan sila ug free:
a. long distance call
b. skype access
c. wifi access
d. chocolate ug coffee

[EsoyLegaspi]

Think out of the box, think beyond your imagination, cast the bind of the baby elephant was conditioned to while growing up, in your heart and mind and body before you read the following. The Elephant in you has grown to be strong and better and more intelligent.
Why join OFW bank – a bank with no capital
a. Do you want to have a bank of your own and part owner where you are protected and not the interest of the capitalist, financiers and investors?
b. Do you want to have a bank that you get to share the benefits while being an OFW- depositor only?
c. Do you want to have a bank of your own that you have a voice and can share your ideas, develop a sense of security – togetherness with your fellow investors/depositors.
d. Do you want to have a bank of your own that will help you run your business, provide reasonable loan rates and nurture and guide you through your growing stage?
e. Do you want to have a bank of your own create a bond and working relationship you can run to in case of emergencies, instead of going to the loan sharks?
f. Do you want to have a bank of your own where you are insured while you are earning deposits. Banks insure those who owe them not those who deposit money. The premium for the insurance is actually paid by you and all the hidden charges that can shock the daylight out of you.
g. Do you want to have a bank that takes care of your children college assurance plan for a minimal reasonable fee? No need for too much profit, because it is your own bank.
h. Do you want to have a bank in case your business fail you’ll get a reasonable value for your collateral once disposed of by the OFW-bank? Buyers may also other OFW’s. There is no such thing a suicide sale.
i. Do you want to be a part of a bank that does not have to satisfy investors for their investments but only with reasonable returns? You are the investor and you are the reasonable investor. (Lugi and ginansiya – for the investor ?)
j. Do you want to be part of a bank that will help you build your quality homes in quality subdivision developed by OFW-developer, financed by OFW-Bank?
k. Do you want to be part of a bank without investing anything? ZERO outlay.
l. Are you applying for a job abroad and need help and protection for your placement fee?
m. Do you want to be fully aware of your bank officers who they are and the transactions fully transparent?
n. Do you want to be fully aware of the SALN of your bank officers, their wives, their children? Your bank officers are paid higher than industry standard. Transparency in the Internet.

For evil to exist and prevail it is enough that good men stay in their comfort zone - do nothing and watch things go by.. then complain about the incompetence of government, blame the government and others...