SME Community - Planters Development Bank
SME Community - Planters Development Bank
SME Community - Planters Development Bank
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<strong>SME</strong> <strong>Community</strong><br />
Philippines<br />
A special publication for <strong>Planters</strong>bank <strong>SME</strong> clients and friends Vol. 2 No. 1 2007<br />
Siblings Mia & Tomy Florencio<br />
Inside:<br />
Anthuriums for all occassions<br />
11 business ideas for 2007<br />
Know real from fake money<br />
Start your own BLOG!
contents<br />
Here’s to a colorful 2007!<br />
A New Year has begun; more recently the century marked<br />
the lunar year of the Fire Boar. As with all beginnings, this new<br />
year should be viewed with rosy optimism. We expect it to be<br />
full of colorful events, in view of the promise that the past year<br />
has shown.<br />
What better color to grace our cover than the glitter of<br />
diamonds! Siblings Mia and Tomy Florencio, along with dad<br />
Renato, tell a fascinating story about their family business,<br />
Recomira-Ray Corp.<br />
From minerals we segue into the color of flowers. Gerry<br />
Bote of Agrikultura Pilipina Inc. tours us through his sprawling<br />
anthurium farm, which is a sea of green punctuated by the<br />
orange, red, pink, light green and white blooms of different<br />
varieties. We could not believe our own eyes when he showed<br />
us the colors of his experimental varieties – blood red, lilac,<br />
pale green, and even brown.<br />
Our third feature is about a company designed to drive<br />
the blues away. Regaloservice.com, an online gift-ordering<br />
business, promises to be the most convenient way to send<br />
gifts to your loved ones, making them pink with joy!<br />
We even have a feature on colors that only a very few<br />
gifted people can see. Intrigued? Turn to page 19, but do so<br />
with an open mind.<br />
Our Hotline section tells us more about what <strong>Planters</strong>bank<br />
is doing to serve its customers better. Sales training consultant<br />
Adrian Miller talks about business networking. Marketing<br />
expert Herbie Sancianco foresees better prospects of business<br />
success in this Year of the Fire Boar.<br />
We also talk about the color of real money – the Philippine<br />
peso, through some tips condensed from a pamphlet published<br />
by the Bangko Sentral ng Pilipinas. For the high-tech reader,<br />
you can learn more about blogging when you turn to page<br />
21. And if you want to get richer, read our book review before<br />
getting a copy of ‘The 48 Laws of Power’ by Robert Greene.<br />
2 HOTLINE<br />
News from <strong>Planters</strong>bank<br />
6<br />
10<br />
13<br />
14<br />
17<br />
19<br />
20<br />
22<br />
24<br />
COVER STORY<br />
Diamonds in the blood<br />
FEATURES<br />
Anthurium King<br />
SALES TRAINING<br />
“It’s better to give than to receive”<br />
<strong>SME</strong> FOCUS<br />
Express your thoughts<br />
- Regaloservice.com<br />
MARKETING<br />
Interesting ideas for 2007<br />
PRODUCTIVIT Y<br />
Healing the office<br />
-An extraordinary point of view<br />
MONEY TIPS<br />
Money, money, money<br />
TECHNOLOGY<br />
Blogging: the wave of the future?<br />
BOOK REVIEW<br />
48 Laws of power<br />
Editorial Board<br />
Publisher<br />
Editorial Adviser<br />
Managing Editors<br />
Editorial Associate<br />
Contributing Editor<br />
Circulation<br />
Photography<br />
Design & Layout<br />
<strong>Planters</strong> <strong>Development</strong> <strong>Bank</strong><br />
Roberto F. Banaag<br />
Dennis P. Liuag<br />
Olive B. Ramirez<br />
Gracie L. Rivera<br />
Estelle Piencenaves<br />
Joy G. dela Cruz<br />
Carlo Sanchez<br />
Anthony Yu<br />
Quatro Grafix, Inc.<br />
Get in touch with us at:<br />
Corporate Communications Department<br />
12/F <strong>Planters</strong>bank Bldg., 314 Sen. Gil Puyat Ave., 1200 Makati City, Philippines<br />
Tels: (632) 884-7600 (trunkline) • 884-7654 (direct)<br />
Email: corpcomm@plantersbank.com.ph • Website: www.plantersbank.com.ph<br />
Join <strong>SME</strong> <strong>Community</strong> Philippines<br />
Visit www.sme.com.ph
hotline<br />
<strong>Planters</strong>bank Chairman opens CEO forum in KL<br />
<strong>Planters</strong>bank chairman Ambassador Jesus P. Tambunting is taking the lead in the<br />
<strong>SME</strong> Finance initiative to build a regional knowledge and business network that will<br />
allow development banks and other specialized financial institutions to dialogue<br />
and address issues related to financing the <strong>SME</strong> sector. Seated at the presidium are<br />
Malaysia’s Finance Minister II Mohammed Yackop and Association of <strong>Development</strong><br />
Finance Institutions of Malaysia chairman Abdul Rahim bin Mohd Zin.<br />
<strong>Planters</strong>bank supports PinoyME<br />
<strong>Planters</strong>bank joins former Philippine president<br />
Corazon C. Aquino in rallying popular support behind<br />
PinoyME, a movement to alleviate poverty and improve<br />
the quality of people’s lives through micro enterprise<br />
development.<br />
PinoyMe aims to mobilize micro credit and<br />
support services to ensure meaningful and sustainable<br />
integration of the working and entrepreneurial poor into<br />
the mainstream economy. Its immediate goal dubbed<br />
“ 5-5-5 “ will tap microfinance institutions (MFIs) and<br />
provide financial and related services to 5 million clients<br />
in impoverished communities and to raise P5-Billion in<br />
capital over a 5-year period.<br />
<strong>Planters</strong>bank, the leading privately-owned provider<br />
of Small and Medium Enterprise (<strong>SME</strong>) finance in the<br />
country, is one of the business sector partners of the<br />
PinoyME consortium. The consortium brings together<br />
the country’s top corporations, the microfinance<br />
institutions, social development foundations and the<br />
academic community.<br />
PinoyME marked its first anniversary on January 22 in<br />
Ortigas Center in Pasig City . The anniversary celebration<br />
coincided with the official launch of the movement<br />
Former Philippine president Aquino keynoted the<br />
anniversary celebration. Citing poverty and inequity<br />
/ sme.com.ph<br />
<strong>Planters</strong>bank chairman Ambassador Jesus P. Tambunting<br />
was opening speaker during the third annual CEO Forum<br />
held November 27 to 28 in Kuala Lumpur, Malaysia.<br />
The conference held around the theme “<strong>SME</strong> <strong>Bank</strong>ing:<br />
Structures, Dynamics and Challenges” was inaugurated by<br />
Malaysia’s Minister of Finance II Tan Sri Nor Mohamed Yakcop<br />
and hosted by the Association of <strong>Development</strong> Finance<br />
Institutions in Malaysia (ADFIM).<br />
Ambassador Tambunting said the conference comes at<br />
a most opportune time when countries across the region<br />
have placed <strong>SME</strong> promotion on top of their economic<br />
agenda.<br />
“In Pakistan, Malaysia, India, Thailand, Sri Lanka and the<br />
Philippines there are specific DFIs catering to <strong>SME</strong> financing<br />
and have “branded” themselves as <strong>SME</strong> <strong>Bank</strong>s,” he pointed<br />
out. Technological advances, the standardization of business<br />
rules, new financial instruments, have enabled DFIs to find<br />
common ground in their resolve to support <strong>SME</strong>s.<br />
The CEO Forum is part of the regional <strong>SME</strong> Finance<br />
Initiative of the Association of DFIs in Asia and the Pacific, the<br />
ADFIM and the Geneva-based International Trade Center.<br />
Other initiatives are the <strong>SME</strong>FI.com Knowledge Net on <strong>SME</strong><br />
Finance and the <strong>SME</strong> Center for Training and Consultancy<br />
Services, jointly administered by <strong>Planters</strong>bank.<br />
as principal threats to the country’s democracy, Mrs. Aquino called on the<br />
private sector to bring “people power” to a higher level by supporting PinoyME<br />
projects that will develop the entrepreneurial skills of low-income Filipinos.<br />
<strong>Planters</strong>bankers led by <strong>Bank</strong> chairman Ambassador Jesus P. Tambunting show support<br />
for former President Corazon C. Aquino’s call to beat poverty and inequity by promoting<br />
entrepreneurship.
Branch Network in<br />
expansion mode<br />
The country’s largest private development<br />
bank boasts of a stronger branch presence, adding<br />
convenience for Filipino <strong>SME</strong>s.<br />
In time for New Year’s Day, Branch <strong>Bank</strong>ing<br />
Group opened offices in P. del Rosario-Cebu, J.P.<br />
Laurel -Davao, Ortigas Center and Kapasigan in Pasig<br />
City, and Lagro, Novaliches in Quezon City. These<br />
branches are now in place to meet the growing<br />
demands of growth-seeking companies in the <strong>SME</strong><br />
sector.<br />
Earlier, <strong>Planters</strong>bank established or transfered<br />
branches to new locations in Balibago - Angeles<br />
City and Mount Carmel in San Fernando, Pampanga,<br />
Quezon Avenue and Cubao in Quezon City, and<br />
Baclaran in Parañaque.<br />
“Our expansion reflects our fullest support to<br />
Filipino entrepreneurs,” according to <strong>Planters</strong>bank<br />
president Maria Flordelis F. Aguenza. “We are<br />
determined to continue providing Filipino<br />
entrepreneurs with <strong>SME</strong>-friendly financial services<br />
for their business as well as their individual needs.”<br />
Empowering<br />
Iloilo’s <strong>SME</strong>s<br />
Iloilo City—<strong>Planters</strong>bank Iloilo Branch headed<br />
by AVP Josephine Caram and representatives<br />
of the <strong>SME</strong> community in this city engaged in a<br />
dialogue on “Empowering the Entrepreneurs”.<br />
Among participants is the Tiu family, a long-time<br />
client of the branch whose company makes and<br />
distributes a range of food products from bihon<br />
noodles, Party Fruity lollipops, Fiesta fruit juices<br />
and peanut choco bars.<br />
hotline<br />
Above, AVP Josephine<br />
Caram. Below, production<br />
line at Tiu family-owned<br />
candy factory.<br />
vol. 2 issue 1 2007 /
hotline<br />
<strong>Planters</strong>bank<br />
aids Cagraray<br />
islanders<br />
Responding to appeals for emergency<br />
relief, <strong>Planters</strong>bankers and affiliates spared<br />
no time gathering food supplies, medicine,<br />
clothing and cash for families who lost<br />
homes and livelihood when typhoon<br />
Reming lashed Southern Luzon. The appeal<br />
resulted in cash donation totalling P70,000<br />
and five peerless boxes crammed with<br />
much-needed supplies from <strong>Planters</strong>bank<br />
senior management and staff.<br />
<strong>Planters</strong>bank SVP Consuelo V. Dantes presents<br />
Fr. Nomer Balamaceda with cheque and relief<br />
supplies destined for families in Cagraray<br />
Island, Albay.<br />
/ sme.com.ph<br />
BSP e-rediscounting<br />
boost to <strong>SME</strong> sector<br />
The new Bangko Sentral ng Pilipinas<br />
electronic rediscounting facility is expected<br />
to boost the level of competitiveness of the<br />
country’s small and medium-scale enterprise<br />
(<strong>SME</strong>) sector.<br />
<strong>Planters</strong>bank president Maria Flordelis F.<br />
Aguenza welcomed the innovation and said<br />
it will add greater efficiency by simplifying and<br />
centralizing loan processing and payment<br />
procedures. This will benefit the bank’s <strong>SME</strong><br />
client base nationwide, she added.<br />
As a pilot subscriber of the new internetbased<br />
service, <strong>Planters</strong>bank will be able to<br />
conduct real-time rediscounting transactions<br />
and inquiries with the BSP.<br />
The BSP electronic facility will ensure the<br />
immediate availability and faster delivery of credit<br />
to <strong>SME</strong>s, especially those in the countryside,<br />
according to Mrs. Aguenza.<br />
<strong>SME</strong>s are a significant part of the Philippine<br />
economy. Comprising nine out of 10 businesses,<br />
<strong>SME</strong>s employ more than half of the Philippine<br />
labor force and generate substantial foreign<br />
currency earnings from exports like processed<br />
food, high value aquamarine and agricultural<br />
products, upscale home furnishings and jewelry.
hotline<br />
Tulong Barya<br />
para sa Eskwela<br />
BSP Governor Amando M. Tetangco<br />
Jr. (second from left) receives the check<br />
representing funds collected by <strong>Planters</strong>bank<br />
in support of the BSP-Department of<br />
Education campaign Tulong Barya para<br />
sa Eskwela from <strong>Planters</strong>bank corporate<br />
communications head FVP Roberto F.<br />
Banaag. The collections landed <strong>Planters</strong>bank<br />
in the Top Five contributors among Thrift<br />
<strong>Bank</strong>s. Also in photo are BSP corporate affairs<br />
director Fe de la Cruz, BSP director Edna Villa<br />
and Chiqui Syquia, BSP deputy director for<br />
corporate affairs.<br />
<strong>Planters</strong>bank “bares all”<br />
with <strong>SME</strong> precedence<br />
Striving to rev up like a well-oiled machine, our economy<br />
continues to progress because of the dynamic proliferation of<br />
Filipino small and medium enterprises (<strong>SME</strong>s). Most of us are not<br />
aware of it but over 90% of businesses in the country are comprised<br />
of <strong>SME</strong>s. They are also the primary source of employment thus<br />
making them a key driving force in poverty alleviation.<br />
<strong>SME</strong>s encourage private ownership and entrepreneurial skills.<br />
They are flexible businesses and can adapt quickly to the dynamic<br />
market of demand and supply. They help diversify economic activity<br />
and make a significant contribution to export and trade.<br />
Their products are a fixture in our lives: in the food that we eat,<br />
in the jewelry that we wear, in the homes that we live in. Without<br />
<strong>SME</strong>s, life becomes decidedly lacking. Stripped of the basics -<br />
BARE!<br />
Heeding to the call for the support of <strong>SME</strong>s, <strong>Planters</strong><br />
<strong>Development</strong> <strong>Bank</strong> (<strong>Planters</strong>bank), recently launched “BARE”, a 30-<br />
second TV commercial which aims to shed light on the importance<br />
of <strong>SME</strong>s in our everyday life. Conceptualized by Blue Bottle, Inc. and<br />
produced in cooperation with ANC, “BARE” allows the viewer to give<br />
a second thought to the alternative, stark world of few choices.<br />
Acknowledging <strong>SME</strong>s as a strategic engagement in the global<br />
trade, Ambassador Jesus P. Tambunting,<strong>Planters</strong>bank chairman and<br />
CEO, affirms that “more and more developing countries worldwide<br />
have placed the promotion and development of small and medium<br />
scale enterprises on top of their economic agenda.” He believes<br />
that <strong>SME</strong>s as part of the foreign trade will “set off sparks leading<br />
to a progressive chain reaction-increasing economic participation,<br />
multiplying income opportunities and jobs, driving market growth<br />
and improving the quality of life.”<br />
Through <strong>SME</strong>s, life is complete.<br />
<strong>Planters</strong>bank Business Club Checking account<br />
provides for family after father’s death<br />
Mrs. Melinda Pitogo (right) insurance<br />
benefit from coverage that came with<br />
her late husband’s <strong>Planters</strong>bank Business<br />
Club checking account.<br />
Even in death, a <strong>Planters</strong>bank<br />
client proved to be a great provider<br />
for his widow and the children he<br />
left behind. Mrs. Melinda Pitogo did<br />
not expect the endowment which<br />
formed part of the estate of her late<br />
husband and entrepreneur Rolan, a<br />
long-time <strong>Planters</strong>bank client. Mrs.<br />
Pitogo received P1million insurance<br />
benefit from GenSan Branch senior<br />
manager Tess Pacheco on November<br />
21. The sum represents the account<br />
accidental death insurance benefit<br />
under the <strong>Planters</strong>bank Business<br />
Club checking account.<br />
vol. 2 issue 1 2007 /
cover story<br />
Diamonds<br />
in the Blood<br />
By Maria Divina Solano<br />
“Look more at establishing relationships<br />
rather than making a fast buck.’”<br />
Experience, education and business savvy are<br />
vital ingredients in a successful venture. Now<br />
on its twelfth year of operations, family-owned<br />
Recomira-Ray Corporation is equipped with all three.<br />
Jewelry is the core business of the Florencio’s<br />
management holding company. One could say, the<br />
passion for jewelry making is in their blood because<br />
all three Florencio children are following in their<br />
maternal grandparents’ footsteps.<br />
/ sme.com.ph<br />
Photos by Anthony Yu
Passing the torch<br />
Benigno Matheu, a well-known goldsmith from the late 1950s<br />
to the 1960s, and his wife, Balbina, ran a successful jewelry business<br />
in their family home in Sta. Cruz, Manila. But it seemed none of their<br />
three daughters would get into the same line, until the youngest,<br />
Corazon, moved part of the business to Marikina in 1988. She began<br />
in the basement of their house with two plateros or goldsmiths.<br />
“My only advice was for her not to lose too much money,”<br />
says Renato Florencio, Corazon’s husband, who convinced her to<br />
continue the Matheus’ legacy. It would have been a waste if no one<br />
took up the business her parents worked so hard to establish.<br />
“Initially, she sold to former classmates, co-parents in Ateneo<br />
and my own personal network,” adds Renato, who was president<br />
and general manager of Connell Bros. Co. Pilipinas, Inc at the time.<br />
It didn’t take long before it became evident that the Florencio<br />
children had inherited the love for the craft. Teresa (Mia), Rafael<br />
and Thomas Ray (Tomy) all attended the Gemological Institute of<br />
America (GIA) after receiving their respective degrees at the Ateneo<br />
de Manila University. As graduate gemologists, the Florencio<br />
children were the first in the family to receive formal schooling in<br />
jewelry. Combined with the years of knowledge and experience<br />
inherited from first- and second-generation jewelers, the credentials<br />
enabled the Florencio siblings to push the business forward.<br />
The time was ripe to take it to the next level.<br />
Opening the first shop<br />
Rafael, whom his father describes as most entrepreneurminded,<br />
first came up with the idea of opening a store. The elder<br />
Florencio talked to the Shangri-La Plaza mall president.<br />
The jewels passed standards and the first Rafael Jewellery<br />
shop opened its doors in 1995, the same year Recomira-Ray Corp.<br />
(an acronym derived from the first names of the Florencios) was<br />
registered with the SEC.<br />
“Our first space in Shangri-la mall wasn’t a prime location,”<br />
shares Renato. “But after six or seven years, we were able to establish<br />
ourselves and gain recognition so were given a corner store, which<br />
has more visibility and foot traffic.” Indication enough that business<br />
is doing well.<br />
Mia worked as an account manager in McCann-Erickson<br />
Philippines before joining the family business in 1996. She is able to<br />
apply her knowledge, experience and contacts in the advertising<br />
industry in promoting Rafael Jewellery and the other businesses<br />
that came after.<br />
Growing the business<br />
“We now have 15 stores in Metro Manila and one in Davao,” says<br />
Renato, who ended his 15-year stint at Connell Bros. Co. to devote<br />
himself to the family business in 1996. The shops are distributed in<br />
prime locations.<br />
Rafael Jewellery opened their second branch in Makati<br />
Shangri-La Hotel in 2002, two years after the company became one<br />
of four jewelers in the Philippines selected by De Beers Diamond<br />
Promotion Services to create a jewelry line for the Philippine<br />
Centennial Celebration.<br />
“The shop sells diamonds, colored stones and pearls,” says Mia.<br />
“It caters to the older and upscale market.”<br />
cover story<br />
The company also opened the first My Diamond Jewelry Store<br />
in 1999, which features smaller items with a younger look. “It caters<br />
to yuppies and teens—the 20s to 30s market,” Mia explains.<br />
The objective is to make jewelry affordable to those who want<br />
to invest in valuable pieces, depending on their budget. She says<br />
they can offer lower-priced items because the stones are smaller<br />
compared to those at Rafael but the craftsmanship continues to<br />
be exquisite.<br />
“The initial idea for My Diamond was a kiosk since Filipinos find<br />
it intimidating to enter a shop selling diamonds,” Mia shares.<br />
They opened a kiosk at Glorietta 4 and although it was able to<br />
sell, people did not think it featured serious jewelry. They learned<br />
that when it comes to selling diamonds (even smaller-priced items)<br />
people want to feel that they are making a special purchase. So the<br />
Florencios switched from the jewelry kiosk to a free-standing shop.<br />
Now, My Diamond has four branches.<br />
vol. 2 issue 1 2007 /
cover story<br />
In 1998, the company landed the very first<br />
exclusive national distributorship of Moissanite<br />
outside the United States. by appointment from<br />
U.S.-based Charles and Colvard, the sole supplier<br />
of Moissanite gemstones (silicon carbide).<br />
Moissanite Philippines has four branches in<br />
Glorietta, SM City North Edsa, Megamall and SM<br />
City Davao that specialize in Moissanite gems<br />
and other semi-precious stones.<br />
Another foreign brand that the company<br />
distributes locally is TechnoMarine. Recomira-<br />
Ray Corp. launched the Swiss brand in the<br />
Philippines in 2001, under the exclusive<br />
dealership of TechnoMarine Enterprises<br />
Philippines, Inc. The upscale watches are available<br />
in two TechnoMarine branches and in all Rafael<br />
Jewellery shops. Today, TechnoMarine is one of<br />
the best-selling watches in the country.<br />
While the company has also diversified its<br />
line to include watches and even agri-business<br />
in Tarlac, jewelry continues to be their core<br />
business. Renato says they can expand in two<br />
ways. “We can continue to add new product<br />
lines, complimentary or otherwise, but only if<br />
we become the exclusive Philippine distributor.<br />
We can also add stores—the more exclusive<br />
products, the more stores we can put up, this in<br />
turn allows us to get closer to the customers.”<br />
Striving and succeeding<br />
Building their own business has entailed<br />
many sacrifices from the Florencios. These<br />
include the cost of sending all three children<br />
to the United States for training. Investing<br />
in their education was part of a bigger plan.<br />
In addition, since they sell jewelry and other<br />
upscale merchandise, there is big money in the<br />
inventory. “This is why we need to get loans for<br />
expansion.”<br />
From a personal point of view, managing<br />
your own business means getting no vacation,<br />
says Mia. Peak season for jewelry shops is<br />
December, during which the sales average for<br />
the industry is equivalent to that of three to<br />
four months. This means sacrificing holiday time<br />
during Christmas.<br />
Success comes with its share of sacrifices<br />
and rewards. And the Florencios have learned a<br />
lot along the way.<br />
Aside from finding and pursuing their<br />
passion, handling their people well and getting<br />
the right education, Mia says the willingness to<br />
gamble and explore opportunities has proven<br />
important to them.<br />
The company was able to expand because<br />
they ventured to act on the opportunities<br />
/ sme.com.ph
that came along the way. For example, they first learned about<br />
TechnoMarine when they saw a famous friend sporting the watch.<br />
They also encountered it in jewelry and watch shows abroad. It<br />
looked like a good business opportunity and they did not let it<br />
slip.<br />
Credibility and trustworthiness are also vital. “Customers<br />
should feel they are getting a fair deal,” explains Renato. “Part of that<br />
is developing patience. As one of the old jewelers told me early on<br />
in the game, “Look more at establishing relationships rather than<br />
making a fast buck.’”<br />
Renato, who served as president of the Guild of Philippine<br />
Jewelers for three years, also puts a premium on transparency.<br />
When dealing with people, he says, there should be no major or<br />
even minor surprises. “At the end of the day, what matters is, ‘Do you<br />
still want to do business with me again and vice versa.’ Hopefully<br />
the answer is ‘yes’ both ways.”<br />
Success also entails paying the bills on time, as much as<br />
possible. “It pays to have a good credit rating,” he adds.<br />
Projections for 2007<br />
Given the economic situation, Mia says the lower-income<br />
clientele may be less able to afford jewelry this year. This is one<br />
of the reasons why they offer mid-priced jewelry in My Diamond<br />
and Moissanite. She says that patrons of high-end products,<br />
however, are expected to continue making purchases since<br />
they will not be too affected by financial difficulties. Mia is also<br />
currently serving as vice-president of the Guild of Philippine<br />
Jewelers.<br />
Recomira-Ray Corp. plans to continue its expansion in<br />
2007. Renato says, “We hope to have two more stores in Cebu<br />
before the end of the year.” They also plan to start franchising<br />
Moissanite to other stores in July, and eventually find an export<br />
market, particularly in the United States., which still has the<br />
biggest demand for jewelry.<br />
This year, they will also launch T. Florencio, Tomy’s own<br />
line of jewelry. Among the Florencio children, it is he who has<br />
truly inherited his grandfather Benigno Matheu’s qualities in<br />
the design and crafting of jewelry pieces. A perfectionist like<br />
his grandfather, Tomy holds the distinction of being the first<br />
Filipino to graduate from GIA with a Graduate Jewelry Business<br />
Management diploma.<br />
“In the Philippines, people recognize the jewelry shop<br />
instead of the item. There is no branding,” says Tomy. “We want<br />
to establish our brand to be known as jewelry of high quality.<br />
When it comes to jewelry, the materials used might be the same.<br />
The difference lies in the quality of labor and the design.”<br />
The T. Florencio line is distinguished from other brands by<br />
a piece of ruby and a strip of rose gold incorporated into the<br />
jewellery piece.<br />
Asked about the challenges they encounter, Renato has this<br />
to say: “The most interesting is how to work together as a family<br />
and hopefully stay united and maximize each others’ strong<br />
points. We can be very strong if we continue to work together.”<br />
And, indeed, as a family, they have managed to grow—as<br />
Mia puts it, “from one shop and from being a no-name to slowly<br />
establishing ourselves as a credible and reputable jeweler”.<br />
cover story<br />
Gems of Business Wisdom<br />
• Find your passion. Find the product or service that you<br />
can feel passionate about. “That means having to work<br />
even during the holidays,” according to Mia Florencio.<br />
• Learn how to work with your people. Filipino goldsmiths<br />
are very talented; they have an instinct for the craft.<br />
Unlike other goldsmiths, they can create the design<br />
based on a rough drawing or a description. But managing<br />
them is a challenge since many of them have an artist’s<br />
temperament.<br />
• Educate yourself about what you’re getting into.<br />
• Be willing to gamble. The willingness to try new things<br />
that you could use in the business is a key factor,<br />
according to Rafael Florencio.<br />
• Credibility and trustworthiness are vital. “When customers<br />
do business with you, they should feel they are getting a<br />
fair deal,” says Renato Florencio.<br />
• Like the craft of making jewelry, building a business<br />
requires endless patience.<br />
• Building relationships comes first over making a fast<br />
buck. Establish a good brand to promote trust with your<br />
customers, according to Tomy Florencio.<br />
vol. 2 issue 1 2007 /
features<br />
Gerry Bote<br />
Anthurium King<br />
By Estelle Custodio-Piencenaves
“Over the five<br />
years we developed a<br />
very clear cut leading<br />
edge that would<br />
distinguish us in the<br />
market. In this scale<br />
of production, we’re<br />
the only one”<br />
Photos by Carlo Sanchez<br />
Hues of red, yellow, brown, pink,<br />
peach, and white welcome Gerry<br />
and Gie Bote every time they visit<br />
their anthurium farm located at the foot of<br />
Mt. Malarayat in Batangas.<br />
With the sprawling land, fresh air and<br />
coconut trees, it could pass off as a vacation<br />
house or perhaps the perfect retirement<br />
farm. But, this five-hectare land isn’t meant<br />
for relaxation.<br />
It is the home of Agrikultura Pilipina<br />
Inc., the biggest anthurium business in the<br />
country. They harvest 8,000 flowers, twice<br />
a week—which totals to almost a million<br />
picked flowers in a year.<br />
A risk taker<br />
When he started the business, Gerry<br />
had no passion for taking care of plants or<br />
flowers. But when the opportunity knocked,<br />
his strong entrepreneurial spirit ignited his<br />
interest.<br />
In the 1980’s, Hawaii (pioneer in<br />
commercial anthurium growing) was struck<br />
by a plant epidemic that almost wiped out<br />
their anthurium industry. Gerry and Gie saw<br />
then the potential for growing anthuriums<br />
in the country. “We had land, we didn’t<br />
know what to do with it. And we thought,<br />
we’re closer to Japan (prime importer of<br />
anthuriums) than Hawaii is to Japan, and so<br />
we jumped into it,” Gerry narrates.<br />
Going into the business half-blind,<br />
Gerry learned the ropes of farming and the<br />
special demands of anthuriums, the hard<br />
way. “They are very difficult to grow. If I knew<br />
what I know now, I wouldn’t get into it,” he<br />
features<br />
jokingly remarks. “Farming is not easy, it’s<br />
not for retirement! You can’t manage from<br />
the top,” he adds with a tone of experience<br />
in his voice.<br />
The first greenhouse was put up in<br />
1992 on half a hectare of land. For five<br />
years, Gerry stayed in Batangas to manage<br />
the farm full-time. His wife managed their<br />
other businesses and stayed with their kids<br />
in Manila.<br />
The couple had to make this sacrifice<br />
after they were troubled by an insect<br />
infestation at the early stage of business.<br />
“It was just a few months after we started.<br />
Because of the infestation, we threw 20,000<br />
flowers a month for six months! Every<br />
blemished or scratched flower can’t be<br />
exported to Japan’,”he recalls.<br />
In order to control the pests, Gerry<br />
and agriculturist/industrial partner Nikon,<br />
employed techniques that combined<br />
the careful use of chemicals and good<br />
management. Their hard work eventually<br />
paid off.<br />
Within the five years, the farm<br />
expanded twice. From half a hectare, they<br />
now have two hectares. The couple also<br />
opened Holland Blooms, a flower shop that<br />
showcases their anthurium varieties as well<br />
as up and coming “test” varieties that are not<br />
yet commercially available in the market.<br />
“Over the five years we developed<br />
a very clear cut leading edge that would<br />
distinguish us in the market. In this scale<br />
of production, we’re the only one,” Gerry<br />
states.<br />
A specialized flower<br />
The anthurium is globally known as<br />
a sympathy flower. It is distinctly popular<br />
for its long shelf life. Yet ironically, it’s very<br />
delicate to grow.<br />
Anthuriums don’t have layers that can<br />
be peeled off and they easily get bruised.<br />
Anthuriums are also very attractive to pests<br />
since—and this is another revelation—<br />
they are not really flowers but leaves.<br />
Nature just gave it a colourful spathe —<br />
the leaf equivalent of petals to attract the<br />
bees.<br />
To harvest the perfect anthuriums,<br />
each greenhouse in the farm simulates<br />
the conditions in a rain forest—the natural<br />
habitat of anthuriums. They even pipe in<br />
some music and natural sounds found in the<br />
rain forests of South America to encourage<br />
the flowers to grow.<br />
vol. 2 issue 1 2007 / 11
features<br />
“All our plants<br />
come from Holland.<br />
We have access to<br />
technology and new<br />
varieties. Our edge<br />
is our varieties and<br />
each is patented.”<br />
The latest farming technologies are also applied. “We grow<br />
them using volcanic rock, automated fertilizer distribution and<br />
base irrigation. We don’t use manure. Our greenhouses have nets<br />
and plastic roofing since anthuriums don’t like getting drenched in<br />
water. It lessens their chances of getting sick,” Gerry says, describing<br />
their efficient system in place.<br />
Agrikultura grows 14 varieties of anthurium, all of which were<br />
developed by Anthura BV in Holland. Getting a reputable supplier,<br />
the biggest in the world, gives them the edge over competitors.<br />
“All our plants come from Holland. We have access to technology<br />
and new varieties. Our edge is our varieties and each is patented.”<br />
The plants produce flowers in six months and it takes another<br />
six months before the flowers are ready for picking. A plant<br />
can produce high quality anthuriums within six to eight years,<br />
depending on the variety.<br />
Not just for sympathy (2007 projections)<br />
Fourteen years in the business and Gerry is quite happy that<br />
people are discovering newer applications for anthuriums. His<br />
forecast is that it would be a good year for business.<br />
Fifty percent of picked anthuriums are now being used<br />
in weddings, business events and hotels. In order to meet the<br />
demand locally and internationally, they will be increasing volume<br />
of production this year.<br />
“We stopped exporting in 2001 since many commercial<br />
anthurium farms closed that year and the prices got better locally.<br />
This year we are looking at reviving our export market specifically in<br />
Hongkong, Brunei and the United States. We will be adding another<br />
half hectare to the farm,” says Gerry.<br />
New anthurium varieties in purple, neon colors, and even<br />
scented ones are being developed. It is also their fifth year to<br />
organize the Andre Awards for Excellence in Floral Design, an annual<br />
event for floral designers and promoting the use of flowers.<br />
The year 2007 is expected to be a very busy year for the<br />
country. We can count on Agrikultura Pilipina Inc. to play their part<br />
in making it as colourful as can be.<br />
Agrikultura Pilipina, Inc. tel. no. (632) 9122671.<br />
12 / sme.com.ph
Based in New York, Adrian Miller is the president of Adrian Miller Direct Marketing, a<br />
sales training and consulting company that provides customized, results-driven training<br />
programs to companies worldwide. AMDM’s programs focus on the techniques and skills<br />
needed for building new business and retaining existing business, resulting in increased<br />
‘ROA’ (Return on attention). She can be reached at amiller@adrianmiller.com.<br />
sales training<br />
“It’s Better To Give Than To Receive”<br />
Photo by Shutterstock/Bezkorovayny Dmitry.<br />
Who wasn’t told as a child that it’s better to give than<br />
to receive? At the time, we might of thought that this only<br />
referred to birthday and holiday gifts, but this old adage is just<br />
as applicable now that we’re adults, especially when it comes<br />
to business networking.<br />
If you have been to a networking event, you have probably<br />
met individuals who only want to talk about themselves. They<br />
have unfortunately mastered the “it’s all about me” mode of<br />
communication.” They’ll corner you to tell you about what<br />
they do and what type of leads they are seeking, never asking<br />
you anything about yourself. Meanwhile, your mind drifts<br />
elsewhere as you try to plan your escape from their clutches.<br />
These same people will also be the first ones to email or call<br />
you, not to ask how they can be of assistance to you, but<br />
rather to obtain contacts or introductions to others. Are they<br />
kidding?<br />
What these “takers” have forgotten is that networking is<br />
a two-way street. It’s not about selfishly achieving the goal<br />
of finding that “direct fit” with the product or service that you<br />
provide. Rather, networking is the selfless art of facilitating<br />
introductions to help others.<br />
Yes, networking is all about giving, and not always about<br />
receiving. But, there is a lot to be gained in the process of<br />
networking. By helping others connect, you contribute to<br />
a world of concentric circles that can spawn many new<br />
connections. And, you might just be surprised how your<br />
generosity turns into successful leads for yourself. Think of this<br />
process as “networking karma.”<br />
For those who continue to wear “networking blinders,”<br />
only thinking of how others can help them, they are missing<br />
out on many, many opportunities beyond their immediate<br />
sphere of influence. So, at your next networking event, keep<br />
in mind what you learned long ago about giving and receiving<br />
as you meet others, and watch how your connections grow.<br />
vol. 2 issue 1 2007 / 13
sme focus<br />
Express your<br />
thoughts!<br />
By Tichot San Pablo<br />
What drove young working mother<br />
Reggie Bundang to put up this innovative<br />
business venture, Regaloservice.com?
It usually takes a little time for me to be comfortable talking<br />
with someone for the first time. With Reggie Isada-Bundang,<br />
I immediately felt at ease. It must have been the intelligence<br />
shining through her eyes, or her friendly smile which somehow<br />
told me that I would enjoy interviewing her for this story. Or<br />
maybe because I found out that we were practically neighbors<br />
in what many consider as geographically undesirable Cainta?<br />
Reggie started her story by recounting how she was, for so<br />
many years, a denizen of the corporate world. Then a blessing<br />
turned her life around. After eight years of waiting, her daughter<br />
Beatriz was born. Time became so much more precious. Time at<br />
work meant time away from Beatriz. Reggie, the career girl, was<br />
forced to transform herself into Reggie, the entrepreneur.<br />
What makes entrepreneurs tick? More often than not it is an<br />
uncommonly strong drive, a steadfast will to succeed, a clearcut<br />
vision of a solid future, and yes, a burning desire to get rich!<br />
Reggie is, simply put, refreshingly better than this stereotype.<br />
She put up her business because she wanted to spend more<br />
time at home with her daughter, and at the same time she had<br />
this insightful dream of solving a problem that had hounded her<br />
during her corporate days.<br />
Filling a need<br />
Nowadays, more and more females have jobs. These<br />
creatures of habit spend a minimum of two hours getting<br />
everybody including herself ready for the day, one hour<br />
commuting to the office, nine hours working, another hour<br />
going home, an hour cooking, two hours helping the children<br />
with their lessons, an hour on other household chores, another<br />
hour watching television (or with the spouse, if he is already<br />
home at this time) before she nods off to sleep. Whew!<br />
What happens if she suddenly remembers that it’s her<br />
mother-in-law’s birthday tomorrow? Her whole schedule is<br />
disrupted to tatters! It takes at least two to three hours to pick<br />
out an appropriate gift, and at least half a day to deliver, chitchat<br />
with the in-laws included.<br />
Reggie, with her keen mind, correctly identified that there<br />
was a ready market, especially since she herself had been into<br />
that stressful situation many times before. After listening to some<br />
advice from friends, Reggie came up with the idea of putting up<br />
a business that she could run from her home — and in October<br />
2006 Regaloservice.com was online!<br />
Customer profile<br />
At first most of her customers were friends. But growth<br />
was astounding and in just a few months of doing business,<br />
the website had reached across the globe. Word of mouth<br />
advertisement, referrals and a public relations campaign which<br />
appeared in major dailies contributed to awareness of the<br />
website. Many Pinoys living in Australia and the United States<br />
ordered gift items for relatives in the Philippines. Reggie says<br />
that in fact, about half of her clients are Filipinos living in other<br />
countries. Many customers, whether here or abroad, are happy<br />
with the service and do repeat business.<br />
I asked Reggie to profile her regular customer. “Female,<br />
aged 25 to 45,” she answered without hesitation. I understood<br />
sme focus<br />
Pick and Mix Candy Arrangement<br />
His and Hers - Blue, Yellow and Gray<br />
by Blandior<br />
Satin cord accents: Blue, Yellow and Gray<br />
With semi-precious stones and glass bead included in “Hers”<br />
Candle in a Can<br />
by Cereo Candle Exchange<br />
Scent: pain-au-lait<br />
vol. 2 issue 1 2007 / 15
sme focus<br />
why. Females do the gift-buying, younger people are tech-savvy<br />
but do not have credit cards, and older people usually adapt to<br />
new methods more slowly, if at all.<br />
How does it work?<br />
Regaloservice.com carries a variety of gift items, mostly<br />
premium products. You just sit in front of your computer, log on<br />
to the website and choose which items you want to send to your<br />
loved ones. Selected merchant partners, known for the quality<br />
of their products, supply the gift items that can be purchased at<br />
the same price as if you were buying from a store. The minimum<br />
order is P500 and the only add-on cost is the delivery charge.<br />
Payment is done through US-based 2Check Out, which was<br />
chosen for its convenience, reliability and security. Delivery to<br />
international destinations is by DHL and 2GO does domestic<br />
deliveries. Husband Tito, a practicing lawyer, sometimes helps<br />
out with his legal expertise, funding resources and sometimes<br />
even making deliveries himself.<br />
All-time bestselling products are fine leather-bound<br />
journals. Chocolates and flowers also sell well. There are peak<br />
seasons like Christmas, Valentine’s Day, Mother’s Day, etc. and<br />
during the last Christmas season there were many orders for gift<br />
baskets and ham products. Aside from the regular products that<br />
the e-store sells on-line, there are also unique orders like when<br />
someone was searching for a book on arnis.<br />
Where to go from here?<br />
A business venture so young is usually tied up in coping with<br />
operational problems. Little regard is given to future directions.<br />
Not so with Regaloservice. This early, Reggie is looking at future<br />
expansion. She is planning to take in more merchant partners<br />
so as to offer a wider range of products to potential customers.<br />
She is also looking to offer major corporations her services as<br />
an e-commerce outsource company, using the website as a<br />
marketing portal.<br />
Reggie’s philosophy on doing business: “I sanctify myself<br />
through my work. I give glory to God if I do my work well.”<br />
Exemplary principle. Coupled with good work ethics, clear vision<br />
and determination, this will be a sure formula for success.<br />
For orders visit www.Regaloservice.com.<br />
16 / sme.com.ph
Herbert M. Sancianco has over 20 years of experience in advertising, marketing and sales<br />
operations. He owns and manages Market Bridges, Phils. Inc., a full marketing services<br />
company, with offices at 11-0 Burgundy Corporate Plaza, 252 Sen. Gil Puyat Avenue,<br />
Makati City. The author can be reached at mbpidmbc@i-manila.com.ph or at Tel: (63-2)<br />
886-4122 to 23.<br />
marketing<br />
INTERESTING IDEAS<br />
FOR 2007<br />
A new year is upon us and just recently, we celebrated the<br />
Chinese Lunar New Year – the year of the Fire Boar.<br />
2006 was a challenging year for many entrepreneurs. As<br />
the peso steadily rose against the dollar, importing capital<br />
equipment, raw material or items for retail became a winning<br />
proposition. However, Philippine exporters found it a difficult<br />
year as their profits shrank accordingly. The Overseas Filipino<br />
Worker’s family likewise saw the value of their loved one’s<br />
remittance decrease, forcing some to send a little more to offset<br />
the currency exchange differential.<br />
Since geomancers are hinting that service companies will<br />
have better prospects of success in the Year of the Fire Pig, I am<br />
devoting this column to services demand for which I see will<br />
grow in the coming months.<br />
Herbie’s Top Six Service Opportunities<br />
With the increasing number of motorcycles racing around the<br />
metropolis and key provincial cities, motorcycle repair service is a<br />
simple yet rewarding small business idea. Motorbike ownership<br />
growth was spurred by fuel prices that peaked in the second<br />
quarter of 2006. In a random survey in Parañaque and Pasay City,<br />
I noted one motorcycle service shop for every five automobile<br />
repair shops. The motorcycle repair shops I saw are not visible in<br />
many areas where auto repair shops are found.<br />
Small internet cafés catering to the computer savvy—both<br />
young and old—is a growing segment. PLDT offers a business<br />
start-up package which I consider a good deal. Two major<br />
considerations for setting up this type of business are location and<br />
the number of users in the community who need internet access<br />
for e-mail, schoolwork and research, music/video downloads or<br />
net-based gaming and recreation.<br />
Getting a CDR King franchise is a highly profitable business,<br />
requiring a good location and small capital. From personal<br />
experience, I have never been to a CDR King store without having<br />
to wait in line to buy blank CDs or DVDs. The growing number<br />
of computer literate Pinoys makes this computer supply store a<br />
winning idea. Putting up a store near large universities is ideal.<br />
Another good spot will be near the big public markets.<br />
Given the continuously growing population of this country,<br />
nursery or kindergarten schools are a great idea. Right now, many<br />
of these schools are already filled with kids of this tender age<br />
range. The cost of tuition continues to rise in lieu of the headcount<br />
that they can actually serve. This is a good alternative for public<br />
school teachers who would like to earn better income.<br />
Mobile catering services for office workers is another<br />
rewarding business idea. The cost of meals in many canteens<br />
and small restaurants serving the business centers around the<br />
metropolis are becoming expensive for the minimum wage<br />
earner. Entrepreneurs who are able to deliver inexpensive hot<br />
meals to these offices have an edge. The key success factors are<br />
the entrepreneur’s ability to create a unique variety of meals and<br />
vol. 2 issue 1 2007 / 17
marketing<br />
Photos by Shutterstock/Jaroslaw Grudzinski, Mikael Damkier,<br />
Raymond Kasprzak (clockwise)<br />
to broadcast the menus and take orders by 9:30 a.m. daily.<br />
The laundry service is a no-frills, profitable enterprise<br />
requiring low operating cost. With the rise of new residential<br />
and commercial developments in key provincial cities, the need<br />
for this service cannot be overlooked. Whether the company is<br />
serving restaurants to wash their table cloth and linen, spas and<br />
resorts for their towels and bathrobes, or the individual for dry<br />
cleaning barong tagalogs and so on, the market opportunity<br />
is immense. To hook customers, you just have to select a good,<br />
strategic location where your target market passes every day.<br />
Herbie’s Product Wish List<br />
In my daily observation, what seems to be lacking in the market<br />
or practically non-existent are products with good utilitarian value<br />
and purpose. I note some of the following possibilities:<br />
Microwave meals. A ready-to-eat meal pack that can be microwaved<br />
or heated in portable convection ovens is an idea whose<br />
time has come in the Philippines. These reasonably-priced meals<br />
are now available in 7-11 and Mini-stop stores. This product type<br />
has high appeal among those whose daily routines keep them<br />
constantly on the run. Ready-to-eat meals have a good demand<br />
among those working night shifts.<br />
Portable electric water heater. This device is much sought<br />
after during the cold weather period and should make it less of<br />
a hassle in preparing warm baths. A portable water heater will<br />
be perfect for boiling water to make it potable for drinking, or<br />
to prepare tea or coffee. Right now, there is only one company<br />
selling this product,which in my opinion is quite expensive and<br />
has a short service life.<br />
Power from the sun. In a country drenched with sunshine for<br />
most of the year, the use of solar energy to power small homes<br />
should get entrepreneurs excited. Solar energy collectors can<br />
provide power for homes that need between 300 to 500 kilowatts<br />
of electricity every month. The cost of solar panels has gone<br />
down dramatically over the years. One solar panel can handle the<br />
energy consumption of one flat iron, which is the largest power<br />
consuming appliance in any household. Solar energy collectors<br />
also serve as emergency back-up power during outages<br />
associated with the typhoon season. Many American, Chinese<br />
and Japanese homes already have a solar power collector. There<br />
is no visible player in the local market. From my research in the<br />
internet, a cheap package that can handle at least half of a typical<br />
mid-class home’s energy needs and will cost not more than Php<br />
80,000.00. Imagine you saving some Php 1,500.00 or more every<br />
month! The package pays back in about 3 years.<br />
Powdered eggs, anyone? This is definitely a product that I would<br />
like introduced in this country. The large poultry farms should<br />
consider this venture particularly if a glut causes egg prices to fall.<br />
Powdered eggs are used by hotel restaurants and airline caterers<br />
to prepare their egg related menus. It is also an ingredient in<br />
making confections and pastries. The United Nations buys a lot of<br />
it for their relief programs around the world. Likewise, the United<br />
States military particularly the U.S. Navy is a huge consumer of<br />
powdered eggs. The export opportunity is bright.<br />
Lastly, the demand for pet food canned or bagged is growing.<br />
Presently, most products available are imported. Think about this<br />
one. Here you have a local market and the foreign market for this<br />
product. I am very confident that the reader who takes on this<br />
challenge has a profitable opportunity awaiting him or her.<br />
MABUHAY ANG NEGOSYANTE!<br />
18 / sme.com.ph
productivity<br />
Healing the Office<br />
—An extraordinary point of view<br />
Whether you believe in the supranormal or not, the following article is a<br />
very interesting read. Believe it or scoff at it – it’s your choice.<br />
Negative human relations, inefficiency in the workplace, and<br />
office equipment malfunctioning are common experiences<br />
in a toxic work atmosphere. But, these can also indicate a<br />
more serious problem—one that exists in a realm outside of the<br />
physical world.<br />
Negative energies<br />
Psychic experts attribute these situations to the presence<br />
of negative vibrations and possibly even negative spirits. Left<br />
unattended, this type of an environment may adversely affect the<br />
harmony in a workplace, and more importantly, the output of every<br />
member of the workforce.<br />
Stargazer, a parapsychologist and spirit channeler, has<br />
performed negativity cleansing sessions in many offices and big<br />
factories. She explains that once negativity is trapped in a certain<br />
space, physical symptoms appear. “People become too hot<br />
tempered, lazy, get sick all the time, encounter frequent accidents<br />
concentrated in one area, and simply cannot stand a certain<br />
room”.<br />
At times, these negative energies indicate the presence of<br />
spirits. “Shadows seen when no one is in the office, chairs being<br />
dragged, typewriters, computers and xerox machines turning<br />
on in the middle of the night, footsteps, voices and many more”,<br />
enumerates Stargazer, who was also referred to as Lady Ghostbuster<br />
in an unpublished article.<br />
According to her, spirits can be classified into three groups:<br />
earth-bound souls more known as ghosts, elementals which are<br />
negative entities that affect human behavior, and nature spirits<br />
such as fairies and dwarfs.<br />
Based on experience, Stargazer usually conducts cleansings<br />
during the wet or rainy season as there seems to be more negativity<br />
when the air is damp. “When it’s rainy, there’s not much fresh energy<br />
coming in the room. We close the windows and doors. Negative<br />
imprints stay in the room and you have to air it out,” she explains.<br />
There are other conditions that are also conducive to spirits.<br />
Some of these are abandoned spaces, quiet areas, poorly lit and<br />
messy workspaces.<br />
People also increase negative vibrations. Anger, irritation,<br />
jealousy and power play attract spirits that thrive on people’s<br />
negativity or negative traits.<br />
Paranormal cleansing<br />
If the presence of negativity is strong, cleansing or clearing<br />
should be done by an expert—one who can communicate with<br />
the spirits to find out what they want.<br />
“Never attempt to do it on your own. It’s dangerous to upset<br />
or attract spirits,” says Stargazer to warn ordinary people against<br />
toying or challenging spirits.<br />
Cleansings are usually done on Tuesdays and Fridays as well as<br />
nights when the moon is full. During the process, Stargazer uses<br />
incense, salt and recites prayers. Salt is scattered all over the area<br />
and swept to the sides after the ritual. It is discarded only after three<br />
days.<br />
The length of cleansing depends on the size of the office or<br />
workplace. For example, a 150 square meter office is normally<br />
cleansed in 30 minutes to an hour. Big factories may have to shut<br />
down for a whole day.<br />
In addition, Stargazer prefers the presence of only a few people<br />
who aren’t skeptics or closed-minded as they can pull the process<br />
down. After the office cleansing, she also suggests a cleansing ritual<br />
for the people in order to achieve complete healing.<br />
A once a year cleansing of offices and spaces is sufficient to<br />
enhance productivity and general harmony among the people<br />
working or living together. — Angela Colet with additional inputs<br />
from Estelle Piencenaves.<br />
Background of Stargazer:<br />
Stargazer has been practicing pranic healing, spirit channeling,<br />
and aura reading for the past 20 years. At present, she is the life coach<br />
and adviser of many businessmen with their choices and decisions in<br />
life. She honed her gift under the Jesuit priest Fr.<br />
Jaime Bulatao during her college years in<br />
Ateneo de Manila.<br />
First Aid for<br />
Negativity<br />
If manifestations of<br />
negativity are faint in a living<br />
space or work area, or is just<br />
starting to show, Stargazer<br />
suggests the following “first aid”<br />
steps for inhabitants.<br />
1. Offer a prayer with the intention that you want to<br />
communicate with the spirit and to pray for them.<br />
2. In some offices, they offer a mass or request a priest<br />
to bless the place.<br />
3. By means of a focused mental exercise, one can<br />
shower the spirit(s) with white light in the mind<br />
while praying. With a strong will and sincere<br />
intention, the white light could drive away<br />
negativity.<br />
4. Brighten up the rooms with more fluorescent lights<br />
and dark areas should be lighted.<br />
5. Play loud music or a bell to break the sound waves<br />
as spirits dwell in quiet places.<br />
6. If it gets out of hand, sightings are scary and<br />
manifestations continue, call on a paranormal<br />
expert.<br />
vol. 2 issue 1 2007 / 19
money tips<br />
Money, money, money!<br />
Without looking, can you name the three figures on a 1000-peso bill? If you answered Tito, Vic and Joey then you<br />
really need to read on!<br />
The Bangko Sentral ng Pilipinas (BSP), under former chairman Rafael Buenaventura, published a pamphlet<br />
entitled ‘Know Your Philippine Currency.” This was designed to help the public recognize genuine Philippine currency<br />
and guard against counterfeit bills. All business establishments accepting cash should try to get a copy. Here are some<br />
tips condensed from the pamphlet.<br />
Paper. Genuine notes are printed on special paper that is rough to the touch. It does not<br />
glow under ultra-violet light. During paper manufacture, the watermark, security fibers, security<br />
threads and iridescent band are included.<br />
Watermark (a). The watermark appears on the unprinted portion of the note. It is a<br />
silhouette of the portrait appearing on the face of the note. Sharp details can be seen when the<br />
note is viewed against the light.<br />
Security fibers. Red and blue security fibers are scattered on both surfaces of the note.<br />
These can be picked off by a pointed instrument.<br />
Security threads. There are two kinds of security threads. The embedded security thread<br />
(b) is implanted during paper manufacture and can be seen when the note is viewed against<br />
the light. It appears as a broken line for 5’s, 10’s and 20’s and as a straight line for 50’s, 100’s, 200’s,<br />
500’s and 1000’s. The windowed security thread (c) appears on the improved version of 100’s,<br />
500’s and 1000’s and the new 200’s. It appears like stitches vertically across the face of the note.<br />
Upon closer inspection, these contain the numerical value of the note and change in color from<br />
magenta to green depending on the angle of view.<br />
Iridescent band (d). The iridescent band is clearly visible when viewed at an angle. It<br />
appears as a wide, glistening gold vertical stripe with numerical values and appears in the 2001<br />
and the later series of 100 - peso, 500 - peso and 1000 - peso notes and the new 200 - peso<br />
notes.<br />
Portrait (e). The portrait appears lifelike, with eyes that “sparkle”. Fine lines form shadings<br />
that give the portrait a characteristic facial expression that is extremely difficult to replicate.<br />
Serial number (f). The serial number is composed of one or two prefix letters and six or<br />
seven digits. The letters and numbers are uniform in size and thickness, evenly spaced and well<br />
aligned, and glow under ultraviolet light.<br />
Background/lacework design (g). The background and lacework designs are<br />
made up of multicoloured and well defined, sharp lines.<br />
Vignette (h). The vignette refers to the images on the back design of the note. Its lines and<br />
dashes are fine, distinct and sharp. Its varying color gives a vivid look to the picture.<br />
Value panel (i). The value panel contains the numerals found at the four corners of the<br />
front and back of the note, denoting its denomination.<br />
Color. Recognize the predominant color of each denomination: 1000 – blue, 500 – yellow,<br />
200 – green, 100 – mauve, 50 – red, 20 – orange, 10 – brown, and 5 – green.<br />
Fluorescent printing (j). The fluorescent print is the invisible numerical value located<br />
off center of the face of the note. It glows when exposed to ultraviolet light.<br />
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money tips<br />
Microprinting (k). For the 50-peso and larger denominated notes, the words “Bangko Sentral ng Pilipinas” or “Central <strong>Bank</strong> of the<br />
Philippines” are printed very minutely on the face or back of the note. This microprinting is clearly readable under a magnifying lens.<br />
Concealed value (l). The 500-peso note contains a concealed value located at the lower left corner of the face of the note. This<br />
is recognizable when the note is held at eye level.<br />
Optically variable ink (m). Optically variable ink was used on the 1000-peso denomination. It changes color from green to<br />
blue or blue to green when the note is held at different angles.<br />
Coins. More recently, BSP Governor Amando Tetangco Jr. issued a memorandum to all banks regarding counterfeit 5- and 10-peso<br />
coins. Fake 10-peso coins have the following characteristics: magnetic, details of portrait not well defined, coarse metallic grain, rough<br />
and sharp edge on the reverse. Bogus 5-peso coins: details of the portrait is not well defined and BSP logo design at the reverse is “puffy<br />
or bloated”. The memo urges banks to report any incidence of counterfeit coins to the nearest BSP regional office.<br />
1000-peso banknote / front<br />
Portrait (e)<br />
Embedded Security Thread (b)<br />
Serial Number (f)<br />
Watermark (a)<br />
Background/<br />
Lacework<br />
Design (g)<br />
Optically Variable Ink (m)<br />
Microprinting (k)<br />
Iridescent Band (d)<br />
Flourescent Printing (j)<br />
Windowed Security Thread (c)<br />
1000-peso banknote / back<br />
Watermark (a)<br />
Vignette (h)<br />
vol. 2 issue 1 2007 / 21
technology<br />
BLOGGING……<br />
By Alex Pastor<br />
You see and hear something so great that you want to share<br />
it to the whole world. However, it’s just not possible. You<br />
can only tell your story to a chosen few – the people you<br />
know. That was before. Now, imagine an avenue where you can<br />
tell everyone from all the ends of the world your story. You tell<br />
them through cyberspace. This, in a nutshell, is blogging.<br />
Wikipedia, the free online encyclopedia, defines blogging<br />
as a “user-generated website where entries are made in journal<br />
style and displayed in a reverse chronological corner. Blogs often<br />
provide commentary or news; some function as more personal<br />
online diaries. A typical blog combines text, images and links to<br />
other blogs, web pages, and other media related to its topic. The<br />
ability for readers to leave comments in an interactive format is an<br />
important part of many blogs.”<br />
Considered by many as the blogging guru of the Philippines,<br />
Abe “Yuga” Olandres simply defines blogging as “self expression<br />
powered by technology.”<br />
Yuga, as what his closest friends call him, started blogging<br />
seven years ago when the word “blogging” wasn’t even coined<br />
yet, let alone understood by the vast majority. But only after a<br />
short number of years, blogging has become synonymous to<br />
free speech and is fast becoming the medium of communication<br />
itself.<br />
But what really is “blogging” and will it become the next big<br />
I.T. thing in the very near future? Read on and see what the guru<br />
has to say.<br />
According to Yuga, people write blogs because of a number<br />
of reasons but the main purpose is that it has become an outlet to<br />
let out feelings, ideas, concepts or even information. It is the same<br />
reason why people wrote diaries before the age of the internet.<br />
Blogging has become more social now. It has become a venue and<br />
a place that you can call your own in cyberspace or more popularly<br />
known as the “blogosphere.”<br />
Presently, blogging has even evolved into a type of business<br />
in the form of micro-publication. It is seen as a good alternative<br />
to traditional media. In other western countries like the US in<br />
particular, blogging has turned mainstream. Here in the Philippines,<br />
the practice of blogging has only picked up recently. However<br />
there is a strong indication that blogging will become a formidable<br />
industry in the IT sector. Media in the country has started to veer<br />
away from the traditional way of doing advertising and are actually<br />
joining the blogosphere.<br />
More than just having an outlet to speaking your mind,<br />
blogging has provided people with business opportunities and<br />
employment. When one decides to take blogging up a notch, that<br />
person becomes a professional blogger.<br />
Professional blogging is blogging for the purpose of directly or<br />
indirectly earning from a blog by leveraging on its traffic, readership,<br />
influence, credibility and/or popularity. Blog monetization is mainly<br />
driven by internet advertising and marketing. Pro-bloggers derive<br />
a majority or significant amount of their personal income from their<br />
own blog or the blogs they write for.<br />
22 / sme.com.ph
technology<br />
The Celebrity Blogger has followers and loyal<br />
readers in the tens of thousands. This type of blogger has made<br />
a name for himself/herself thru blogging. Product endorsements,<br />
sponsorships and subscriptions contribute a huge chunk to this<br />
pro-blogger’s revenue.<br />
The Blog Network Owner, more commonly<br />
known as “blog overlords,” practically owns dozens and sometimes<br />
hundreds of blogs, hiring bloggers to write for each blog. They are<br />
the ones who pay the Career Pro-Bloggers<br />
There are different types of pro-blogging. There is the Traditional<br />
/ Independent Pro-Blogger; Corporate Pro-Blogger; Career Pro-<br />
Blogger; Celebrity Pro-Blogger; and Blog Network Owner.<br />
The Independent Pro-Blogger manages most,<br />
if not all aspects of maintaining their blog/s – installation, setup,<br />
design, writing, blog optimization, marketing, sales (monetization).<br />
A majority of pro-bloggers start out as independent bloggers and<br />
remain independent depending on how successful they monetize<br />
their blog. Revenue for this type of blogger always starts at zero<br />
or none.<br />
The Corporate Pro-Blogger, on the other hand,<br />
basically works for a company with a specific job description that<br />
involves blogging for the company. This type of blogger may<br />
come from the sales, marketing or the PR department and is tasked<br />
to communicate with other companies, clients and the rest of the<br />
industry thru blogging. Standard salaries apply for this type of<br />
bloggger.<br />
The Career Pro-Blogger works for a blog network<br />
or a number of networks, either part-time or full time. They will<br />
be assigned to write for a specific niche blog like travel, gadgets,<br />
cooking in the assumption that they are knowledgeable with the<br />
said topics. The blogger will be paid on either a fixed salary, perpost,<br />
profit-sharing or a combination of the previous schemes.<br />
You may ask why pro-bloggers exist. Plain and simple. They<br />
make money out of it.<br />
A thriving business. A good career. Is blogging here to stay or<br />
is it just a fad? As the blogging guru says, “blogging will be here to<br />
stay as long as people have a story to tell.”<br />
Source:<br />
2nd iBlog Summit PowerPoint presentation made by yugatech.com<br />
Joining in the Blogwagon<br />
A thriving business. A good career. You’ve done your research,<br />
read countless articles, visited innumerable blogs, and now you’ve<br />
decided to finally try it out for yourself and be a bonafide blogger.<br />
So, what’s next?<br />
It you just want to release pent up emotions—rant, rave and<br />
talk on any topic under the sun, then you can sign up for blog sites<br />
like friendster blog, multiply blog, live journal and the likes.<br />
If you want to be a career pro-blogger, look for blog networks<br />
who hire bloggers. But then again, if you want to take the deeper<br />
plunge, then read on. Here’s what blog guru Abe Olandres has to<br />
say:<br />
Although signing up for a free blogging tool like Wordpress.<br />
com or Blogger.com is virtually quick and painless, building a<br />
hosted blog may be a little tricky and requires some basic technical<br />
knowledge of FTP (file transfer protocol) and mySQL (database). To<br />
go on about it:<br />
1) Get a web host. Make sure it’s the Linux type of hosting<br />
which supports PHP and mySQL. Prices for these service<br />
can start from Php50 a month or more.<br />
2) Register your domain. Your web host may be able to do<br />
this for you but others prefer to do it by themselves via<br />
Yahoo!Domains, GoDaddy or NameCheap.<br />
3) Choose a Blog Content Management System (CMS). The<br />
most popular one is Wordpress but some are also using<br />
Drupal, Serendipity, MovableType, TextPattern or Joomla.<br />
4) Install and set up your blog. This could be tricky as you will<br />
need to learn how to upload via FTP and create mySQL<br />
databases. Some web host provides one-click install features<br />
for these softwares.”<br />
Having your own blog, be it for fun, politics or networking<br />
(with business in mind), could be a worthwhile endeavour that<br />
would help you express your thoughts, promote your products and<br />
at the same time, learn something new from others. Who knows,<br />
you may be the next blogosphere superstar!<br />
vol. 2 issue 1 2007 / 23
ook review<br />
GETRICHER WITH<br />
“THE 48 LAWS OF POWER”<br />
by: Paul C. Roxas, CSP<br />
Imagine your banner year forthcoming: enhanced marketing,<br />
more sales, better collection, greater productivity and profitability,<br />
lower risk accounts and activities, better esprit de corps… plus,<br />
much better behaved children at home and responsible students<br />
at school. Now wouldn’t that be a dream come true?! All these<br />
(and more) may come to you just because you can more deeply<br />
and truly understand people and their essential nature.<br />
Reading “The 48 Laws of Power” is like sipping from a cup<br />
rich with more than 4,000 years of history and wisdom—a cup<br />
so rich that you can always reap so much deeper insight for<br />
business, family, and personal life, each time you read it. It’s<br />
practical wisdom at its comprehensive best!<br />
Within its 430 pages of text, you will find some of the world’s<br />
greatest books on wisdom become just droplets in the bucket.<br />
Such books like Art of War (Sun Tzu); Art of Worldly Wisdom<br />
(Baltasar Gracian); Seven Pillars of Wisdom (T.E. Lawrence); The<br />
Holy Bible, and; The Prince (Niccolo Machiavelli), appear as<br />
mere quotations and occasional anectodes. It is so rich that its<br />
revelations weave together and tie down numerous, seemingly<br />
fragmented, and dizzying historical facts. Sensitivities and<br />
motivations of major historical figures are unearthed to reveal the<br />
‘behind-the-scenes’ of significant milestones of ancient Eastern<br />
peoples to the modern wars of the ‘70s. Its authors, Robert<br />
Greene and Joost Elffers, through diligent research, successfully<br />
and interestingly split hairs clearly in differentiating concepts,<br />
conditions, and intentions.<br />
It gives a more definitive description of human character<br />
than all the psychology books I’ve read. It helps you know what to<br />
look for when you ‘read people.’ The longer you engage the book,<br />
the more firm your conclusion may be that Man has not changed<br />
throughout the centuries. Hence, gaining collective knowledge<br />
of the timeless essence of Man provides a clear advantage—<br />
the gift of a comprehensive, ‘all-seeing’ hindsight which in turn<br />
enables you to become proactive today in corporate, business,<br />
and family life.<br />
Consider some of the timeless and sensational topics to<br />
help you with your usual vocation, learn from the experts<br />
and also learn how to protect yourself from being a victim of<br />
fraud, disinformation, and deception:<br />
Advertising: How to seduce a woman (or man) on a<br />
pedestal to become madly in love with you (or your product).<br />
How to attract new customers for your business. How to time<br />
your absence to heighten desire, respect, and honor. How to<br />
re-create yourself. How to know when to stop. How scientist<br />
Thomas Edison beat the even more brilliant physicist Nikolai Tesla<br />
on the road to fame and fortune.<br />
Negotiation: How a Count swindled the notoriously<br />
ruthless gangster Al Capone of US$5,000 and also lived to tell of<br />
it. How Henry Kissinger secured for himself a cabinet post thru<br />
the Nixon-Humphrey presidential face-off of 1968.<br />
B u s i n e s s<br />
intelligence: When you<br />
ought to be predictable<br />
and when you must not be<br />
predictable.<br />
How to use smokeand-mirrors.<br />
How to use<br />
the surrender tactic. How<br />
Ali beat Foreman. Why the<br />
German V-1 rockets (a.k.a. flying<br />
bombs) missed their targets in<br />
England. How escape artist Henry<br />
Houdini demolished his toughest<br />
competitor.<br />
Politics: How to avoid falling out of your master’s grace.<br />
Which kind of person you must never offend. What pitfalls to<br />
avoid on the path to greatness. How to disarm with the ‘mirror<br />
effect.’ How much formlessness should be used. What is the<br />
cornerstone of power and how best to build it.<br />
Remember the line: “Think before you act”? This book<br />
enables you to just ‘recall before you act.’ The once-dreaded<br />
process of thinking ahead now becomes a leisurely walk in the<br />
park.<br />
Each topic has far-reaching implications on your very<br />
own social life at work and at home. Used wisely, even family<br />
relationships can be modified to effect more respect, responsibility,<br />
and caring among your children.<br />
I also found the format and language so enjoyable and easyto-read.<br />
Each chapter tackles one law alone; each starts with<br />
a concise Statement of the Law, followed by a brief Judgment.<br />
Then in-depth discussions on historical cases follow as examples<br />
in Transgression of the Law, Observance of the Law, Keys to Power,<br />
and the Reversal. In the Keys to Power section, an Image is drawn<br />
together with an explanation to represent the essence of that<br />
law while this is followed by a quotation from some Authority<br />
on practical wisdom. The page borders are lined with significant<br />
annotations and anecdotes, all relevant to the main text. These<br />
add much color to the tone of the topic at hand.<br />
The modular format allows you to take on any chapter you<br />
fancy for the moment. Killing time at a coffee shop, getting<br />
caught in a snarling traffic, or waiting on a queue. None of these<br />
situations should get your goat if you’ve packed this book with<br />
you. By the way, more recently, a concise version of “48 Laws” was<br />
released for the mobile businessman. It is smaller in size than the<br />
original, but has fewer stories.<br />
For us entrepreneurs, it definitely is a must-read. And so,<br />
before 2007 starts, you might want to consider reading “The<br />
48 Laws of Power” from cover to cover. Why not make it your<br />
constant companion and better your personal weather forever?<br />
I have.<br />
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