Reminder to all participants in the comment below:
We are discussing only about the “Caceres Lending Investor Co.” or “Global MoneyGlobal Money Lending and Networking Opportunities: A Money Making Idea. Read more ... » Unlimited” and not other companies, etc. Thank you for all the comments.
Update:
To all readers of this post, I just want to point out in this post the legal papers of the Global Money as what is mentioned on the videos and during the orientation.
I do appreciate every comments here. Regarding the legality issue, it is clear that the information from the company vs. SEC advisory is contradicting. GM said it is registered for 50 years but according to SEC the registration has already expired in 2009.
Regarding the SCAM issue, I based my opinion to this question, How do you call a company which is operating illegally?
As the author of this post, I will leave no further comment about the issue. It is up to you to decide about the advisory and the current activity of the company involved. And please check the meaning of scam here or from Merriam dictionary.
Advisory for all the members of Global Money Unlimited and Caceres Lending Investor Company. I got a document to testify that the on going operation of Global Money and Caceres Lending Investor Company is illegal and is a big SCAM.
Securities and Exchange Commission has released a written document about the legality of the said company most especially in the lending operation.
SEC has not issued any permit to operate to the said company and Global Money is not registered in SEC and therefore the whole operation of Caceres Lending, headed by Mr. Ed Caceres is a big SCAM and just to fool its members. The promises of the Mr. Ed Caceres in his video series is a big FAKE.
If you happened to be a registered member of Global Money, you should have taken this issue seriously before Mr. Ed Caceres create big damage on you. If you have borrowed money from the said Global Money, you are, may be lucky because you may not need to return the money. Sad to say to those who invested a lot (time, money and effort) for the Global Money Unlimited and Caceres Lending Investor Company because your are being SCAMMED by Mr. Ed Caceres.
The content of the letter is quoted below.
Advisory
March 6, 2012The Commission advises the public that the registration of CACERES LENDING INVESTOR COMPANY with SEC Registration No. A199909295, as a partnership, has already expired in 2009. Moreover, it has NOT been issued a Certificate of Authority (CA) to Operate as a Lending Company pursuant to R.A. 9474 or the Lending Company Regulation Act of 2007 and is therefore, NOT ALLOWED to engage in the business of lending anywhere in the Philippines.
Furtheremore, the records of the Commission do not show the registration of GLOBAL MONEY UNLIMITED INC. and CACERES GLOBAL FOUNDATION INC. as corporations or Partnerships.
The public is advised not to enter into any lending or other transactions with the above-named entities.If anyone has any information relating to the unauthorized lending or other activities of CACERES LENDING INVESTOR COMPANY, GLOBAL MONEY UNLIMITED and CACERES GLOBAL FOUNDATION, INC., please call the Enforcement and Prosecution Department at telephone numbers 584-6337 (Office of the Director) and 584-7652 (Complaints and Investigation Division) or send an email to ced@sec.gov.ph
Download the whole document and advisory here.
Snapshot of SEC advisory
Posts related to Global Money Unlimited is Operating Illegally and a Big Scam
Make Money online or offline with Global Money Cash Loan and Incentive program is one of the latest yet innovative way of improving your financial ...Global Money Lending and Networking Opportunities: A Money Making Idea
naku. paano na ung mga narekrut dun?
http://www.entrepinoy-mpc.weebly.com@ruel alcantara
naku. paano na ung mga narekrut dun?
http://www.entrepinoy-mpc.weebly.com
kawaka naman po sila.
to Joel
There is nothing to worry about those recruited. As soon as I arrive to the Philippines I will personally look into this. Some things to think about, though. Global Money is not the company and there is no objection about it not registered with SEC. It is a system run by Caceres Lending. I have become a member of Global Money recruited in December, got my first loan, now paid half of it, and is earning money promoting it. I have seen a lot of people reaping the benefits through its GM Heart Fund, the last I have known of is a family from Quezon City who received more than a million (I cannot verify the exact amount). True there is a change in the status of Caceres Lending from partnership to Incorporation and to the best of my knowledge is has been worked out with the SEC.
About the SEC advisory that, that we need to look into it.. Just today I got a feed that SEC is not owning it as authentic advisory. That needs to be verified as well.
Just now I don’t see any logic of Global Money being a scam. Can the poster, or no less than the owner of this site EXPLAIN (moving out from at least the veracity of “the SEC advisory”) how it can be a scam?
Because not matter how I look at it, having seen the owner and having heard him talk and the awards and people being helped and the number of people joining, I cannot, from conscience put my finger on it how it can be a scam.
I mentioned here GM is a scam because if you have listened during the orientation of GM, they said they are registered on SEC and have valid papers. That way, they entice people to join in the company even without legal papers. And not until the SEC advisory came out, they did not settle the legality of the company.
Okay. Let’s say there are beneficiaries already received their part as what has been promised in the marketing plan of GM but that fact that they didn’t disclose the real status of the company is a way of scammer to gain trust and earn more from the people.
It is my opinion that’s why I have mentioned in this post GM is a big SCAM in this area. The advisory itself has come from the official site of SEC and not fabricated by the owner of this site. If there are terms not appropriate for the current status of whole GM and Caceres Lending Investor, you could not blame people conclude they are scam because they did hide their Company status from their members. What if there was no advisory from the government? What could happen in the future?
There is nothing wrong with the program of GM but the legality does say so and based on the vague information they give during they orientation to attract people to join in the company is the scam thing there.
Scam means “a confidence game or other fraudulent scheme, especially for making a quick profit”, http://dictionary.reference.com/browse/scam
a fraudulent or deceptive act or operation –http://www.merriam-webster.com/dictionary/scam
This post is just to warn the people before the are victimized in the future. If there is an improvement of the legality of the said GM and sister companies, why should not I remove this post anyway?
Thank you for the comment.
I mentioned here GM is a scam because if you have listened during the orientation of GM, they said they are registered on SEC and have valid papers. That way, they entice people to join in the company even without legal papers. And not until the SEC advisory came out, they did not settle the legality of the company.
Okay. Let’s say there are beneficiaries already received their part as what has been promised in the marketing plan of GM but that fact that they didn’t disclose the real status of the company is a way of scammer to gain trust and earn more from the people.
It is my opinion that’s why I have mentioned in this post GM is a big SCAM in this area. The advisory itself has come from the official site of SEC and not fabricated by the owner of this site. If there are terms not appropriate for the current status of whole GM and Caceres Lending Investor, you could not blame people conclude they are scam because they did hide their Company status from their members. What if there was no advisory from the government? What could happen in the future?
There is nothing wrong with the program of GM but the legality does say so and based on the vague information they give during they orientation to attract people to join in the company is the scam thing there.
Scam means “a confidence game or other fraudulent scheme, especially for making a quick profit”, http://dictionary.reference.com/browse/scam
a fraudulent or deceptive act or operation –http://www.merriam-webster.com/dictionary/scam
This post is just to warn the people before the are victimized in the future. If there is an improvement of the legality of the said GM and sister companies, why should not I remove this post anyway?
Thank you for the comment.
@JoelBernarte Kawawa naman sila if talagang victims sila.
Thank you for your post and this follow-up comment. I have ever admired your site for reason that I could get valuable information and even get to services I never had known to exist.
I know what a scam is, that there one big ulterior motive a perpetrator have – to obtain money from the consumer and that intention is always the same in all its form.
The reason I was asking how can Global Money be a scam, in the sense that it has that evil motive to take money from the public and then disappear into thin air, is because I never have seen Caceres Lending relatively making the big buck in its operation.
You really sounded like me when this was introduced to me the first time. I thought I would never had something to do with this kind of thing, but a second look, having given the company the benefit of the doubt, cleared my dull mind.
I did consult some people, those with some knowledge in finance and investment, and all I got was that the company could well be viable if managed properly, that it cannot be a fly-by-night mess.
The expired SEC registration in question is of course, part of the story, which may very well shock many, especially as it has been a part of GM’s BOP (or Business Opportunity Presentation) to show the certificate of SEC registration and that is registered for 50 years.
In GM’s official website however there a post that informs members to keep their cool as Mr Ed Caceres is doing everything to it, that the documents regarding SEC is now on process even saying that in not more than 10 days the issue will be resolved.
We trust, and I have confidence that you will keep to your word that when this thing is cleared, you will delete your post. Peace!
@jaohu I would always that sir as I keep my words. Nothing I lose if I remove this post as long as the case is resolved. Kawawa naman po kasi mga pinoy kung hindi sila ma informed. I know Mr. Ed’s program in helping his countrymen is a real great idea but the reason behind his motive of getting the confidence of the people is not our control. The only mistake is that, the presentation of his company’s legality is truly not revealed previously. For what reason should he hide the company’s legality right? I do appreciate his program that’s why I do recommend the company. If you are digging my posts in this site, I do have post that recommends this company back in Jan 2012.
If this program could change the life of all Juan, Mr. Caceres is a real hero.
@jaohu
Lahat po ng scam has the purpose of helping people sa simula. That is why it is so convincing and madami nagiging victim in the end.
The logic here is behind the ulterior motives, making big bucks quick and get out. That is because of the thing called exponential growth which is the basis of this whole scam. Inevitable ….
Tutulong sa konting tao sa simula, mabago buhay nila pero as the organization grow as in the pyramid structure, the balloon will just pop. Look up mateo and tibayan pareho po ng strategy and talkies ….
The scheme is you make 1000 people rich in the expense of 100,000 people losing money …. and the mastermind is this …. sino magreklamo or maglalakas ng loob maghabol sa 1000 pesos na nai-scam. Try mo po, mas malaki gastos, sa lawyer palang.
Compute 100,000 members x 1000pesos …. d kaya ng calculator hehe.
caceres and global money violates so many laws which makes it illegal, unethical and immoral even on the first time I met the owner personally. The scam here is dun sa mga na entice mag center at shell out millions….
Typical scammer …. people na pumapasok po dito has only one motivation and purpose …greed. Pede naman po yumaman and earn millions sa madaming mlm biz na legal. dapat may product na tangible, branded at quality.
You cant use MLM system sa lending kasi its illegal sa batas sa buong mundo to trade money unless may license ka to do so as an investment company registered sa bureau of investment natin. Please do research in lending and investment laws.
Kawawa po dyan ordinary people na walang laban, ginagamit kamangmangan nila at needs to hype them into this scam.
Atty. Rudy Tiongson
Lahat po ng scam has the purpose of helping people sa simula. That is why it is so convincing and madami nagiging victim in the end.
The logic here is behind the ulterior motives, making big bucks quick and get out. That is because of the thing called exponential growth which is the basis of this whole scam. Inevitable ….
Tutulong sa konting tao sa simula, mabago buhay nila pero as the organization grow as in the pyramid structure, the balloon will just pop. Look up mateo and tibayan pareho po ng strategy and talkies ….
The scheme is you make 1000 people rich in the expense of 100,000 people losing money …. and the mastermind is this …. sino magreklamo or maglalakas ng loob maghabol sa 1000 pesos na nai-scam. Try mo po, mas malaki gastos, sa lawyer palang.
Compute 100,000 members x 1000pesos …. d kaya ng calculator hehe.
caceres and global money violates so many laws which makes it illegal, unethical and immoral even on the first time I met the owner personally. The scam here is dun sa mga na entice mag center at shell out millions….
Typical scammer …. people na pumapasok po dito has only one motivation and purpose …greed. Pede naman po yumaman and earn millions sa madaming mlm biz na legal. dapat may product na tangible, branded at quality.
You cant use MLM system sa lending kasi its illegal sa batas sa buong mundo to trade money unless may license ka to do so as an investment company registered sa bureau of investment natin. Please do research in lending and investment laws.
Kawawa po dyan ordinary people na walang laban, ginagamit kamangmangan nila at needs to hype them into this scam.
@rudytiongson @jaohu Thank you Atty. Tiongson for the very enlightening comment on this post. Sana ma enlightened ang marami and maging aral sa bawat isa ang message nyo dito.
KUNG TOTOO ANG SINABI NA SCAM AT ILLEGAL ANG GM AT CACERES LENDING AT BAKIT ANG ADVISORY NG SEC AY WALANG PIRMA NA NAKIKITA AT BAKIT ITINAGO NINYO???//
Ipakita ang perma ng SEC para magkaalaman kung sino ang naninira sa kanila.???
noorvmobile yan din ang napansin ng marami, but then when I checked SEC website, karamihan din yong nandun na advisory ay walang pirma. I don’t know why.
To the Attorney here na nagpost, your arguments are not new and I am sorry to say that with regards to Global Money, it’s kind of different.
Intangible products can be marketed via MLM like PC Software, domain names, websites other web services, downloadable E-books, lahat ng hindi mo nahahawakan physically are intangible items.
Sa Global Money, the product is Life Security, and the payment is one-time because Caceres pays for its active members’ renewal. Normally a life insurance premium has to be paid regularly based on terms.
When you said “100,000 x 1,000…” the product is unimaginable, you imply that all 1,000 pesos get to Caceres pocket. No.
500 is given to an upline as inventive for bringing in another member. 100 goes for that new member’s insurance first premium (remember that the renewals will be handled by Caceres), 100 goes to miscellaneous fees and 300 is all the company get from one member. I am not sure, but I guess dito kinukuha yong pinapautang plus siguro meron silang initial capital na malaki.
You mentioned about making a small number of people rich at the expense of a lot of people who will become kawawa. This is not exactly correct. Why?
No. 1. I have sponsor at the very top of my organization and I am making the bonuses and they are not. They are not sitting on top of the “pyramid” enjoying the result of other people’s efforts. This is not a get-rich-quick-easy scheme. Making money here is purely based on PERFORMANCE.
No. 2. The Life Security GM offers allows a newcomer covered right away, no conditions asked except 6 months contestablility if the new member has a terminal illness. After signup he can opt to pass away and the GM Heart Fund, which is now around the figure of 2 million, will go to the beneficiary. At saka pag namatay sa accident, or na disable, meron pang 100K. It also has healthcare, 10K inpatient subsidy, not to mention the refundable medicine expensens for outpatient.
Ang nakikita lang kase natin ay yong kikitain ng isang member pag nagrecruit na kung wala nang marecruit ay kawawa na siya. Hindi po ganon.
Every business considers numbers. The more you have, the better.
That’s all.
@BobRoberto THANKS SO MUCH for reposting this. Did help us. I even called the SEC to confirm the posting and “YES” this is legitimate.God bless!!
@jaohu There may be good motives behind this but Mr. Ed must abide and follow our laws.
If this advisory is true…why is it issued just recently? I mean look at the date..it’s march 6,2012… and they said that global money had their registration in SEC expired in the yr. 2009,…why does SEC had a late announcement about this?at wala pang pirma.I’m questioning the legality of this document.
go to sec.gov.ph..then check their advisory.
check the SEC advisory on their website http://www.sec.gov.ph….The post is correct.
I know for the fact that there are people who tries to destroy someone else is dream. but i think most of that people are those blinded by the fact of their experience from the past. people who cannot move on to make a better world and place to live in.
please if you want to point to someone else mistake, it is good to have at least a replacement to the idea of getting rich. for all that was created with a brilliant mind are always not acceptable to a blinded intelligent people who has a lot of excuses because they themselves cannot elevate people to its stagnant status of poverty.
the question is. DO YOU HAVE A GREAT IDEA EVEN JUST FOR YOURSELF TO GET RICH? if there is not, i think you also needed to shot yourself up and mind your own richness that is if you are..
have a pleasant day to all blind one, hope one day you are to open your mind and accept the fact that there is so much this world can offer to become wealthy…
That’s very vague…inexplicit…
@jaohu Hi Jaohu Keep it up the good Business one and to earn more Money so we might succeed or failed in any MLM Business at Kung may itinanim may aanihin…..
Forget those people na di kumikita ng pera basta’t lahat tayo ay may kita upang yayaman para ang taong walang magawa sa buhay inggit lang sila !!!!!! >>>>>>>>>>
Global Money was hit back by those directly or indirectly affected, including businesses. They saw an opportunity when they learned that Caceres registration had to be upgraded.
I knew for a fact that even before the March 6 advisory representatives of Caceres had been visiting SEC to make sure things would be in order. But human as we are there, technicalities can get us any time.
Now it’s good news for members: Global Money now has its newly-registered mother company, ECC-Livelihood Social Services Incorporated. The registration was release this morning with approval of Benito A. Cataran dated 16th Day of March 2012, SEC Registration No. CN201205430.
Global Money was hit back by those directly or indirectly affected, including businesses. They saw an opportunity when they learned that Caceres registration had to be upgraded.
I knew for a fact that even before the March 6 advisory representatives of Caceres had been visiting SEC to make sure things would be in order. But human as we are, technicalities can get us any time.
Now it’s good news for members: Global Money now has its newly-registered mother company, ECC-Livelihood Social Services Incorporated. The registration was released this morning with approval of Benito A. Cataran dated 16th Day of March 2012, SEC Registration No. CN201205430.
@jaohu alamin nyo muna ksi ang totoo bago kau mgreact…!
kasi malaki anong epekto nyan…
Hello po Mr. Jaohu. I do appreciate your comment here but I tried to search on SEC online inquiry (as of comment) about the said company name “ECC-Livelihood Social Services Incorporated” what you said with SEC Registration No. CN201205430 but there is no record according to the result.
Just not to confuse with everybody here, let us just wait for the official SEC paper about this issue.
Thank you.
@JoelBernarte
Tsismoso: SCAM talaga ang GM wala nakakautang.
Tsismosa: SCAM nga wala kumikita yun mayari lang kumikita. Tsaka DEFINITION ng scam ay pineperahan lang members at walang kita at benepisyo ang members. Kaya Scam talaga GM.
Tsismosa: oo nga tsaka yung SEC kaydal;ing kumuha nuon. Tama din ang SEC kasi Pwede namang expired mo agad yung nakaregister ng 50 years maski 12 years pa lang. hehehe.
Tsismoso: Mabuti na lang hindi tayo tanga.
Tsismosa: oo nga. :D
Tsismoso: tignan mo itong mga photo ng isang galit sa GM. Proof na scam at kawawa ang mga Members. http://globalmoneynetwork.yolasite.com/photos.php
Tsismoso: SCAM talaga ang GM wala nakakautang.
Tsismosa: SCAM nga wala kumikita yun mayari lang kumikita. Tsaka DEFINITION ng scam ay pineperahan lang members at walang kita at benepisyo ang members. Kaya Scam talaga GM.
Tsismosa: oo nga tsaka yung SEC kaydal;ing kumuha nuon. Tama din ang SEC kasi Pwede namang expired mo agad yung nakaregister ng 50 years maski 12 years pa lang. hehehe.
Tsismoso: Mabuti na lang hindi tayo tanga.
Tsismosa: oo nga. :D
Tsismoso: tignan mo itong mga photo ng isang galit sa GM. Proof na scam at kawawa ang mga Members. http://globalmoneynetwork.yolasite.com/photos.php
@Buko Juice hindi naman naviview yang website na yan
@Buko Juice masaya kaya yung mga pictures sa website
Tsismoso: SCAM talaga ang GM wala nakakautang.
Tsismosa: SCAM nga wala kumikita yun mayari lang kumikita. Tsaka DEFINITION ng scam ay pineperahan lang members at walang kita at benepisyo ang members. Kaya Scam talaga GM.
Tsismosa: oo nga tsaka yung SEC kay daling kumuha nuon. Tama din ang SEC kasi Pwede namang expired mo agad yung nakaregister ng 50 years maski 12 years pa lang.
Tsismoso: Mabuti na lang at marunong tayung mag-isip ng malalim.
Tsismosa: tama ka diyan.
Tsismoso: tignan mo itong mga photo ng isang galit sa GM. Proof na scam at kawawa ang mga Members. http://globalmoneynetwork.yolasite.com/photos.php
Tsismosa. grabe talaga ang panloloko na ginawa ng Global Money sa mga Members.
Tsismoso: Kawawa naman sila. Ang daming di nakautang at hindi kumita. HINDI NAMAN PALA NAGPAPAUTANG AT WALANG BENEPISYO AT KITA ANG MGA MIYEMBRO. SCAM LANG TALAGA. Bakit kaya may mga taong kagaya nung Ed Caceres na yan. Walang puso. Siya lang yung nagpapautang ng napakalaki tubo at yun tutuo pala eh wala napautang ni isa.
Tsismoa: ito pa isa. tinakbo lahat ang pera ng Global Money. walang pera. tignan mo ito video, http://youtu.be/QUJTIulgspw
Tsismoso: SCAM talaga ang GM wala nakakautang.
Tsismosa: SCAM nga wala kumikita yun mayari lang kumikita. Tsaka DEFINITION ng scam ay pineperahan lang members at walang kita at benepisyo ang members. Kaya Scam talaga GM.
Tsismosa: oo nga tsaka yung SEC kay daling kumuha nuon. Tama din ang SEC kasi Pwede namang expired mo agad yung nakaregister ng 50 years maski 12 years pa lang.
Tsismoso: Mabuti na lang at marunong tayung mag-isip ng malalim.
Tsismosa: tama ka diyan.
Tsismoso: tignan mo itong mga photo ng isang galit sa GM. Proof na scam at kawawa ang mga Members. http://globalmoneynetwork.yolasite.com/photos.php
Tsismosa. grabe talaga ang panloloko na ginawa ng Global Money sa mga Members.
Tsismoso: Kawawa naman sila. Ang daming di nakautang at hindi kumita. HINDI NAMAN PALA NAGPAPAUTANG AT WALANG BENEPISYO AT KITA ANG MGA MIYEMBRO. SCAM LANG TALAGA. Bakit kaya may mga taong kagaya nung Ed Caceres na yan. Walang puso. Siya lang yung nagpapautang ng napakalaki tubo at yun tutuo pala eh wala napautang ni isa.
Tsismosa: ito pa isa. tinakbo lahat ang pera ng Global Money. walang pera. tignan mo ito video, http://youtu.be/QUJTIulgspw
Salamat kay Bob Roberto
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Bilib ako sa utak mo.
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@Buko Juice teka. may nakautang dyan. kaya lang limited ang puwede umutang sa isang araw at limited ang puwede kumuha ng komisyon sa isang araw. ang walang limit magregister.wag natin sabihin wlang nakautang. may nakautang po.
@jaohu ganun din po…nabasa rin namin sa news paper ang reklamo d2 ECC-Livelihood Social Services Incorporated
@jaohu sana nga totoo na ito…?
@jaohu sana tumagal yan at walang maloloko na tao…kz nakakapagtaka talaga paano ka kikita jan…
I spoke with SEC (584-7652). The advisory stands – they are discouraging people to transact w/ global money or whatever sec registration that same business/people are using or may use in the future (e.g. ECC-Livelihood Social Services, Inc.). SEC is currently investigating their operation.
call them if you want to know for yourself or ignore the warnings/advisory – it’s your decision, your risk and take the good/bad consequences of your decision..
@ambar Why is it SEC is discouraging people to transact with ECC?
@noorvmobile If the advisory is directly from the official SEC website, I don’t think it needs any signatory or any signature. Just confirm it yourself with SEC and the site sir.
Thanks.
@AntonioPajaron Confirmed, I have a copy of the registration.
Maybe this will help you understand the case better.
HIGHLY RECOMMENDED VIDEO of Sir Ed Caceres’ Special Meeting with Leaders and Investors.
Sir Ed answers pressing issues attacking ECC Livelihood incuding SEC issue, Loan release concern. He also mentions the future plans of the company.
March 23, 2012
Please share!
http:// globalmoneynetwork.yolasite.com/news.php
Yun mga namulat sa katotohanan ay pwede naman mo kayo sumali sa Team namin para makasama sa pagtulong sa ating mamamayan para magkaruon sila ng Livelihood na makakatulong sa pagpapaunlad ng kanilang buhay.
Tumulong po tayo na iahon sa hirap ang kapwa Pilipino sa pamamagitan ng programa ng ECC LIVELIHOOD.
Tumulong din po tayo sa pagpuksa sa mga “anay sa lipunan” at mga sakim na negosyante.
Marami po dito sa bansa ang LEGAL NGA PERO PANGAABUSO SA KAPWA, PAGNANAKAW AT PANDARAMBONG ang nasa utak.
God bless you all.
I checked the registration of the caceres lending investor, still lumalabas pa din na still they are registered to SEC, why would SEC released such an advisory saying that caceres are not registered anymore…ang tagal ng nagooperate ng global money but then ngayon lang sila naglabas ng advisory…u wanna know why?because global money is spreading vastly and talagang lumalaki na, totoong nakakatulong sila…alam mo naman ang tao, once na may nakitang umaangat, hinahanapan ng kamalian para lang bumagsak…CRAB MENTALITY ika nga…kung lahat ng tao sa mundo o kahit sa Pilipinas man lang, walang aangat..lahat tayo maghihilahan pababa. Kung iisipin mo yung kapakanan mo pati ng ibang tao siguro matagal ng mayaman ang mga PILIPINO…TO SEC, i dont know kung bakit biglaan silang naglabas ng advisory..remeber lang po…MONEY is the root of all EVIL..pagisipan po nating maigi.
Maraming naglipanang MLM nag scam talaga pero sa tingin ng marami ay legal.
Wanna know how to recognized them?
Before I proceed ito yung goal ng isang greedy company na scammer. Magoopen siya ng MLM in the guise na tutulong sa tao, bla bla bla, pero ang tutuo ay gagatasan niya lang ang networkers.
How?
First, siyempre pipili yan ng magandang product pero overpriced ito to the point na 300% ang net income niya from the markup (tanggal na duon ang commissions ng networkers).
Usually makakabawi ang networker pag nakabenta na siya ng same entry package na 6 times or more.
Tapos required ka pa magmaintain ng monthly purchase at magugulat ka na may may “flush out” sa 10th level pa lang. Safety level daw kuno. Pero huwag ka sobrang tubong lugaw si MLM owner.
Pero legal lahat yan. Tanga lang ng networker na baguhan at walang alam sa evil schemes.
Ang result ay usually 90% ng networkers ay hindi nakakabawi o break-even lang. KASI NGA HINAKOT LAHAT NG MLM OWNER ANG KITA.
Yung 5% ay ito yung top level networkers. Mga pioneers. Mga top leaders. Na no matter what kasi nasa taas ay tatabo sila.
Naturally, kapag marami na ang nakapansin na hindi sila kumikita (90% ng networkers) ay tatamarin at aalis na or lilipat sa iba. All of them ay hindi nakabawi or break even lang.
Tapos pag bumaba na yung groth rate ng MLM ay isasara bigla ng owner.
How?
Magbabago ng marketing plan para lalong tamarin ang networkers at mamatay ng kusa ang operation. Yun din naman talaga goal pero pabibilisin lang.
Then magugulat ka may iba na namang silang kumpanya. Same people. Same style …. and probably same end result. Magiipon lng ng pera at the expense of the networkers.
Lahat po iyan ay legal ang operasyon. Di lang aware karamihan ng sumali kasi di pa nila alam ang takbo ng evil schemes.
Ito ang malupit. Yung MLM owners may bagung yatch, expensive car, hacienda, condo and the new business. Pero 90% ng naging networkers nila, LUHAAN.
Binago lahat yan ng Global Money.
Sa Global Money, pagpasok mo pa lang panalo ka na kasi sa insurance package.
Then yung loan na ZERO interest at hindi ka hahabulin kung di ka magbayad.
Mukhang ali sa tinging ng iba at mukhang scheme kasi bakit walang nga ba interest. Pero simple lang ang sagot. Kasi hindi po gusto ng may-ari na mangurakot kungdi makatulong sa networker at maramdaman ng networker ang biyaya ng pinaghirapan nila.
ITO ANG SUSI NG TAGUMPAY NG GLOBAL MONEY.
Ramdam mo agad ang kita at alam mo na pagpasok mo pa lang ay panalo ka na dahil sa insurance package. Madami na natulungan at pinatunayan ang insurance package. Sa 1,000 na membership ay ang laki ng babalik sa iyo na benefits.
May isang member sa Quezon, nagjoin ng umaga pero inatake sa puso ng hapon. Dahil may Damayan fund kami ay nakakuha ng benefit ang pamilya ng member. 50,000 din ang nalikom. Yung isa naman ay na hit and run at namatay. Nakakuha siya ng 100,000 accident insurance mula sa insurance company na ka-tie up namin.
Tapos ang aming loan ay nasa 45,000,000 na ang napautang namin. Walang interest at hindi ka hahabulin.
Ang kitaan ay napakadali. Sa 2 o tatlo lang na recruit mo ay bawi ka na sa puhunan mo.
Dito nagdagsaan ang tao.
Mahirap gawin yan kasi kung pangkaraniwang negosyante ka o MLM owner, ang gusto mo kabig ka ng kabig. Peperahan mo lang ang networker until magsawa sila.
Yun ang dahilan bakit hindi nila matalo ang Global Money. Kasi nga hindi naman kita nag habol kungdi tumulong.
Bonus na lang sa kanya na maski maliit lang kita niya ay ….. dumami naman ng husto at nagdagsaaan investors.
Yung mga networker na nagsasabing scam o evil scheme ang Global Money ay mababaw ang unawa sa MLM. Baka sila yung scam kaso nga hindi nila nakikita iyon. Komplikado ang sistema sa networking. Kailangan mo maging eksperto sa batas at maunawaan mga schemes para ka maunawaan mo ang negosyo na pinasok mo.
Ang produkto ng Global Money ay loaning service at insurance package. Ngayun ay na-enhanced na ito ang naging Livelihood na. Magiging mas kapakipakinabang pa ito at dadami pa ang programa para matulungan magkaruon ng kabuhayan ang mga Miyembro. To sum it up, para makita mo na scam ang isang MLM ay kung hirap makabawi ang Members at konti lang nakikinabang.
Yung taas ng growth ay resulta ng solid proof ng serbisyo ng company. Madami nakaloan, madami nakinabang sa insurance at madami kumita ng mabilis. Yan ang senyales na pro-Member ang company, gaya ng Global Money.
Yung nagsasabi na eh panu pag nawala ang recruitment? Nangyayari po yan kapag naubos na yung potential market, pero since malaki ang consumer base ng Global Money dahil maganda ang product at abot-kaya (kumpara sa food supplement na 6,000 ang entry o 8,000 o 16,000) kaya malawak ang market base.
At ang purpose ng MLM ay isang PROMOTIONAL STRATEGY. Para ka lang nagpa-motorcade o nagpaadvertise sa TV and diyaryo para makilala ka. Sa umpisa lang yan. Pag nakuha na ang membership number to be at a stable level, ay tsaka na yan magdagdag ng product o service to sustain the earnings and the business itself.
Kaya nagkakamali yung nagsasabi na paanu daw pag humina recruitment. Ito pa isa. Kaya mo ba ubusin ang 100,000,000 na Pilipino? May nabubuhay pa araw araw. May 7 billion pa sa international market. Hindi naman ito sa food supplement o vitamins na limitado market. Hindi yan alam ng tumutuligsa sa Global Money kasi nga mababaw naman pangunawa sa kabuuan.
Ang dami ngayun sa MLM ay scam pero di nila alam. Legal na legal pa. Meron diyan involve pagbebentahin ka ng food supplement ng maramihan agad. Halimbawa, yung produkto ay mura lang per piece. Mga 200 lang pero pakukunan ka sa package na maramihan. Ang siste tubong lugaw si MLM kasi yung P200 na binili mo at actually P50 lang actually. Tapos pwersahin ka bentahan ng marami. So, in the mark-up at in volume tubong lugaw si may-ari.
Assuming P7,000 yun Membership tapos sasabihin sa iyo pag ikaw na man nakarecruit ay kita ka ng 1,000. Ikaw naman si tanga, kala mo jackpot ka. Pero nautakan ka ng may-ari. Sa palagay mo ilang Pilipino kaya maginvest sa ganyan sa halagang 7,000? Ilan sa kilala mo kaya mo-irecruit sa ganung investment?
Darating ang time tatamarin ka kasi konti lang sumasali kasi nga mahal. Ang problema, si MLM owner na suwapang tumubo na ng malaki pero yung mga networkers na nagpakahirap bumenta ay luhaan. Yun ang konsepto ng scam. Pinerahan lang ang members.
Scam na scheme yan pag karamihan ng tao ay hindi kumikita o hindi ramdam ang benefits. End result niyan mawawala ang members. Tapos si MLM company na humakot na ng pera ay magtatayo ng panibago.
Sa Global Money, pagkapasok mo pa lang ay nakangiti ka na kasi magtrabaho ka o hindi ay alam mo panalo ka dahil sa insurance package.
What more kung makaloan ka pa ng 5,000 up to 100,000 or even a car loan na walang tubo?
What more kung kumikita ka pa ng P5,000 a week or P100,000 a month?
Yun ang sikreto ng Global Money.
Ramdam ng Members ang biyaya mula sa sistema nito.
Ang scam, by definition, ay isang scheme o paraan para makapanloko. Katulad ito ng pinpeperahan lang ang tao at wala itong nakukuhang makabuluhang kapalit na serbisyo o produkto.
Sa kaso ng ECC Livelihood, ang company mismo ang sadyang nagpapaabuso sa sarili nito para lang mapasaya ang mga Miyembro.
Remind lang po sa commenters: No link is allowed po dito sa comment. Automatic po iignore ng livefyre and comment nyo kapag may link.
Salamat po sa inyong comments upang maliwanagan ang bawat isa.
Yun mga gusto ng video tungkol sa isyu na ito at informations at yung gusto tumulong sa pagsusulong ng conseptong ito ay text niyo lang ako sa 09152409267 at ibigay ko mga links ng video at websites para mas maliwanagan po kayo.
God bless you po.
global money is now known as ECC-Livelihood Social Services, Inc (the new name registered by the defunct caceres lending investor partnership). This even complicate things sa SEC but our system is ran by so many red tapes and bago umaksiyon yung mga government agencies natin, a lot of damage had been done. ( kasi daw third world – so the system is corrupt)
Ang question sa operation ni Mr. Caceres is kung saan category siya mag-fall. Is it a trading business? (what is being traded?), manufacturer? (what is being Manufactured?), organization? profit or non-profit? or services? (what service is being provided? – yung pagyaman?)
Yung defense ng fanatic members is insurance daw ang product. Pero sa legal na MLM biz, for a company to be a legit mlm ….
1.) dapat mismomg company gumagawa or nagproduce ng product nila to sustain longevity if not, dapat may long term exclusivity sa third party company na nagprovide ng product or services mo.
2.) the product of a legit MLM company should offer value that even if there’s no compensation plan, the product (tangible or intangible) is being bought by consumers and can stand on its defense if challenged in any court in the world.
3.) Product should also have uniqueness as in for the food supplement there’s a unique formulation for that, or in the ebooks there’s a copyright which can make it unique and stand out sa market and sustain the program. otherwise madali sa gayahin or kopyahin ng iba then magkaroon ng saturation and too many competition na pareho ng offering.
4.) An MLM should also be GLOBAL, meaning it should be able to operate legally in other countries as in registered and recognized. Importante yung market reach sa MLM kasi kapag local lang madali magsaturate ng market lalo na madami kakumpitensya. When global its 7billion and thats impossible to saturate.
5.) Then important is the leadership and management team.
Sa mundo ng MLM we should learn more about it system. Hindi ibig sabihin somebodys earning its already okay or legal. SCAM is defined as DECEPTION or the INTENT TO DECEIVE. I’m not saying GLOBAL MONEY or ECC is a SCAM, but you have to admit it has a lot of loopholes, in the system and in the law.
The shocking truth is that hindi siya pumasa sa lahat ng pamantayan for a legit MLM.
1. sa product? – they dont have any, right? You can’t say na yung replicated website or the Back office system kasi its not a product that can stand in court. Hindi din pede insurance (IPI) kasi its not their own, and its only valued at P100 pesos. You can go to red cross or fortune care for 50pesos only for the almost same insurance benefits. The LOAN?, its not even making money, how can it be a product. Its no interest right, so its just added feature or service but not a product.
2. UNIQUE ?- what are they offering na pede maging unique. the marketing plan or the system but again its not a product. Anyone can come up with a system na mas maganda pa dyan if this one becomes legal or be sanctioned by the government..
3. VALUE? – they say that it helps the poor filipinos, pro-member but we must understand that we can do also that by operating in a legitimate way. This is what make it deceptive. You lure people into something that is too good to be true, to the point that we become blind and ignorant or just play dumb.
4. GLOBAL? – can you ask an american to join your mlm so that he can loan $11.63, or perhaps a european, japanese etc. I dont think so.
5. LEADERSHIP? – How dumb can you be na even the simplest SEC registration, you weren’t able to fix ahead of time before operation.
Lastly is ETHICS – caceres has none. We have a business ethics wherein one must operate in accordance of the law and in the respect of other businesses in the same industry.
Clearly andami nalabag na batas, kaso mabagal hustisya sa atin. wait and see muna system. Madami siya masagasaan na industriya na nag operate ng legal lalo na sa investment, banking at lending. And these are the same people na maging enemy nya at magbato ng dumi sa kanya to pull him down. Ang tanong how long can you keep up.
Its like a time bomb na alam nating sasabog but when? we do not know. the fact still remains that if this is the kind of company that you’ll patronize na madaming troubles, sooner or later its just going to blow right in front of you. Perhaps kikita ka but imagine the proportion of the baseline by the time it happens, its the biggest deception that’s worth millions or even billions that you become an accomplice.
If what they say Caceres is literally giving away money and not making any profits… that is just a big stupidity or its a lie which makes it deceptive. If that is the case then its not a business henceforth has no rights to do MLM or be called one.
Just watched imbestigador on gma7 and guess the timebomb has exploded sa global money na. Ang nakakalungkot wala palang exclusive partnership yung insurance sa ipi with ecc or global mani and just last month tumalbog twice check na issued ng ecc sa IPI. According sa IPI there’s no such thing as lifetime insurance as being claimed by global money. Ang talagang biktima dito po ay yung hinikayat at naenganyo ni ed caceres mamuhunan sa kanya ng milyun milyon sa pag aakala na tiba tiba ang kita dahil ang pilipino mahilig sa utang at madalas hindi na nag iisip basta kikita maski na sa iligal. Ito po yung mga naging business centers niya, lagpas bente na po sa buong pilipinas,l bawat isa naglabas ng 500k, 1m at 2m pa yung iba. Yun po yung pera na pinapautang niya sa mga tao para makahikayat magpadami ng member. Another poor victims here are the baseline ng pyramid, the last people to register kasi starting march 22 pala isa isa na nagsara yung mga centers. May mga panatiko pa rin na nabulagan na nagpapatuloy pa rin para lang makabawi pa. Yung iba naman di matanggap kaya nag-sour grape na todo depensa pa rin kahit na mali.
The point here is very simple, if ed caceres really wanted to help people as he always mention, why not create a team that will think and strategize for him. Hindi yung banat ng banat. Pede naman gawing legal at maayos ang lahat pero parang walang plano.
Ang alam ko before you launch a system, program or a business dapat may feasibility studies. Bakit nag operate at nakapag launch pa ng expired na pala lisensiya (ceceres lending company), hindi pa registered global money sa sec, reservation palang pala.
How were they able to operate and yet claim na nakapag release ng 35M in loans. From that statement hinpi po ba siya nag iisip before releasing that on video pa sa youtube kasi there’s enough evidence makasuhan si ed caceres and the whole organization niya ng Anti MOney Laundering. BIR and central bank will also be haunting them.
Hindi po ito paninira, its just facts and the truth. The truth really hurts.
would you participate in a bank robbery simply because you can earn a lot of money even if its not legal? If an MLM company is really serious in what he’s doing, a lot of planning needs to be done and make sure you can operate within the boundaries of the law your government or country sanctions. Trading money alone is illegal in most parts of the world, unless you’re a licensed investment broker. In the case of an MLM, its not an investment scheme, it is a business. Where does ECC stands?
Good day po sa lahat. I am sorry at hindi ko na update ang post na ito regarding sa news explosion ng imbestigador las saturday because of wake of father.
Marami po talaga ang nagbaliktaran against GM or ECC pati po ung accountant (http://www.facebook.com/profile.php?id=100001786221248&ref=ts) ng company ay bumaliktad na rin po before pa nailabas sa TV ang scandal na ito.
Maging isang aral sana ito sa lahat na Juan na nangangarap kumita ng malaking pera ng madalian.
Pingback: Global Money & ECC Livelihood Scandal, What Now? | Sharing Everything
Yung Global Money na naging ECC Livelihood now has been transformed into a livelihood na. It’s a non-stock, non-profit association na.
Madami naging balakid sa buhay ng Global Money kasi yung mga greedy na MLM systems ay nasagaan at maging ang ilang nasa pwesto ay nakisawsaw dahil sa conflict of interest . Karamhan sa MLM systems lalo na yung may entry na 5K above ay scam ang system pero di alam ng maraming networkers.
Patuloy na inaayos ng company kaya maghintay lang po tayo ng mga susunod pa na pahayag.
Mr. Rudy Tiongson, saan MLM ka po kasama?
Ito yung masasagot ko sa sinulat ni Rudy Tinogson
Again hindi na MLM ang ECC Livelihood kungdi Livelihood na. Kung sakali man ay pwede nating silipin sa ganito;
1. PRODUCT – Service po ang binibigay ng Global Money. Service o Product ay similar. Ngayun po na bagu na ang concept hindi namin kailangan ang product na ibinebenta pero Livelihood program ang aming bagung concept. Malawak ang concept na yan at kasama diyan ang Livelihood Cash Assistance.
2. UNIQUE – Unique ang ECC Livelihood kasi lang ang mataas ang ROI at may ganitong concept na nakukuha ang members kumpara sa scam system ng maramking MLM na mataas ang entry (like P5,000 up)
3. VALUE – malaking value ang Livelihood program maliban pa sa company benefits na sa registration fee mo na P1,000 lang ay may benefits ka na lalampas pa sa P100,000. Tanga na lang siguro kung di nila makita ang benefit na yan. Mahal ang funeral service at medical serice now.
4. GLOBAL – katangahan naman ito. siyempre unti-unti na pinapasok ng ECC ang global kasi up na yung 2 online systems nito to cater the world.
5. LEADERSHIP – kung bobo ang management ay matagal ng nagsara dapat ang ECC. Pero kung katulad mo na bobo ang maging head ng ECC ay baka nagsara na nga.
Yung Global Money na naging ECC Livelihood now has been transformed into a livelihood na. It’s a non-stock, non-profit association na.
Madami naging balakid sa buhay ng Global Money kasi yung mga greedy na MLM systems ay nasagaan at maging ang ilang nasa pwesto ay nakisawsaw dahil sa conflict of interest . Karamhan sa MLM systems lalo na yung may entry na 5K above ay scam ang system pero di alam ng maraming networkers.
Patuloy na inaayos ng company kaya maghintay lang po tayo ng mga susunod pa na pahayag.
Mr. Rudy Tiongson, saan MLM ka po kasama?
Ito yung masasagot ko sa sinulat ni Rudy Tinogson
Again hindi na MLM ang ECC Livelihood kungdi Livelihood na. Kung sakali man ay pwede nating silipin sa ganito;
1. PRODUCT – Service po ang binibigay ng Global Money. Service o Product ay similar. Ngayun po na bagu na ang concept hindi namin kailangan ang product na ibinebenta pero Livelihood program ang aming bagung concept. Malawak ang concept na yan at kasama diyan ang Livelihood Cash Assistance.
2. UNIQUE – Unique ang ECC Livelihood kasi lang ang mataas ang ROI at may ganitong concept na nakukuha ang members kumpara sa scam system ng maramking MLM na mataas ang entry (like P5,000 up)
3. VALUE – malaking value ang Livelihood program maliban pa sa company benefits na sa registration fee mo na P1,000 lang ay may benefits ka na lalampas pa sa P100,000. Tanga na lang siguro kung di nila makita ang benefit na yan. Mahal ang funeral service at medical serice now.
4. GLOBAL – katangahan naman ito. siyempre unti-unti na pinapasok ng ECC ang global kasi up na yung 2 online systems nito to cater the world.
5. LEADERSHIP – kung bobo ang management ay matagal ng nagsara dapat ang ECC. Pero kung katulad ng iba na bobo at nagmamagaling sa MLM ang maging head ng ECC ay baka nagsara na nga.
Yung Global Money na naging ECC Livelihood now has been transformed into a livelihood na. It’s a non-stock, non-profit association na.
Madami naging balakid sa buhay ng Global Money kasi yung mga greedy na MLM systems ay nasagaan at maging ang ilang nasa pwesto ay nakisawsaw dahil sa conflict of interest . Karamhan sa MLM systems lalo na yung may entry na 5K above ay scam ang system pero di alam ng maraming networkers.
Patuloy na inaayos ng company kaya maghintay lang po tayo ng mga susunod pa na pahayag.
Mr. Rudy Tiongson, saan MLM ka po kasama?
Ito yung masasagot ko sa sinulat ni Rudy Tinogson
Again hindi na MLM ang ECC Livelihood kungdi Livelihood na. Kung sakali man ay pwede nating silipin sa ganito;
1. PRODUCT – Service po ang binibigay ng Global Money. Service o Product ay similar. Ngayun po na bagu na ang concept hindi namin kailangan ang product na ibinebenta pero Livelihood program ang aming bagung concept. Malawak ang concept na yan at kasama diyan ang Livelihood Cash Assistance. Ang product mo ng karamihan sa MLM ay scam ang diskarte kasi papasok ito sa inventory loading scheme. Kaya pag 5,000 up ang entry fee mo ay magisipsip ka na kasi pinapapayaman mo lng ang MLM owner pero talo ang maraming networkers.
2. UNIQUE – Unique ang ECC Livelihood kasi sa maliit na halaga ng registration fee ang kapalit ay magndang Livelihood opportunity mula sa program at cash assistance na hanggang 100K at may Benefits pa na lalampas sa 100K. Sila lang ang may ganitong concept na nakukuha ang members kumpara sa scam system ng maraming MLM na mataas ang entry (like P5,000 up)
3. VALUE – malaking value ang Livelihood program maliban pa sa company benefits na sa registration fee mo na P1,000 lang ay may benefits ka na lalampas pa sa P100,000. Tanga na lang siguro kung di nila makita ang benefit na yan. Mahal ang funeral service at medical service now.
4. GLOBAL – katangahan naman ito. siyempre unti-unti na pinapasok ng ECC ang global kasi up na yung 2 online systems nito to cater the world.
5. LEADERSHIP – kung bobo ang management ay matagal ng nagsara dapat ang ECC. Pero kung katulad ng iba na bobo at nagmamagaling sa MLM ang maging head ng ECC ay baka nagsara na nga.
Mali po ang interview na nangyari kasi yung mga nainterview ay sinampahan na namin ng case ng Qualified Theft at Syndicated Estafa. nagnakaw po ng pera ng company yung Accountant as per investigation. Nagmanipula naman ng Data si Erwin (yung nakatakip ng mukha) para makakuha ng malalaking bonus. GF nia daw po yung taga IT.
Yung si Fred na nagpainterview ay partner ni Candy Panta ng Kamias branch na nasangkot sa theft at estafa na yan.hindi nila niremit ang pera sa main office. kaya sila sinibak. nagtayo ng new company ang sila Candy. Ang name yata ay LA International na kinopya ang concept ng Global Money. may nagsasabi na yung ninakaw na pera ay maaaring ginamit sa pagtatayo ng kanilang LA international daw.
pero di alam yan ng marami.
hayaan na lang natin ang NBI na magibestiga.
pinayuhan din ng ibang stations ang ECC na huwag patulan ang IMBESTIGADOR kasi marketing gimmick ito kaya nila sinadyang gawing biased ang istorya para magreact ang marami at pagusapan. sa katunayan ay tumaas ang rating ng IMBESTIGADOR sa oras na yun.
Check niyo po Facebook page ng Imbestigador. Pinutakti ng ECC Members. facebook..dot..com/imbestigadorGMA
Good day po sa lahat!!! Actually im a global money member and been a member also from other networking company or what we call MLM.Pero sa lahat po na nagustuhan ko itong global money,ksi d2 lng akong nakakapagrecruit kc feeling ko nakakatulong ako sa mga simpling tao just like me.Ung na loan nla nkapagput-up na sla na kaunting business at aside from that they earned much commission,with that 1000 only..Pero ang isa na nakatulong sa akin d2 ay ung last February wlang pdala asawa ko dahil nag-shutdown company nila sa taiwan kya sbi ng asawa di ba pde tau makaloan sa globalmoney?,kaya agad aq nagprocess ng papers ko kya 1 week after binigay agad sa akin 15k dahil pang 2nd loan n aq w/c is 10k at yung anak q sa first loan nya 5k..Kaya laki pasasalamat ko especially ky sir ed na nagbukas ng ganitong company,kaso bakit kc my mga taong gustong manira pa??Sayang maganda pa naman programa ni sir ed.I’m from Sta.Cruz,Laguna dinadayo ko pa yong Sta.Rosa para minsan maupdate ko lang ang latest news about the company ,khit dala2 ko pa maliit kong anak d ako napapagod.Kaya alam ko rin pag-uugali ni sir dahil nakikita ko sya sa ofis at kung paano sya makipaghalubilo sa mga tao..I just hope and pray thay God will rise again this company!!God Bless to all!!!!
SIr ED CACERES khit anong mangyari di kami bibitaw sa inyo.We always pray for you,dahil may puso ka .I know GOD will find a way!!!!!!
GMA7 – IMBESTIGADOR’s Biased Reporting About Global Money
Copy and paste this link below to your browser. Replace the word DOT with the real dot or period.
tanggulanDOTwordpressDOTcom/2012/04/20/gma7-imbestigador-showed-a-very-biased-interview-about-global-money-2/
patong patong na kaso ni ed caceres at grupo nya sa DOJ & Sta Rosa