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SWA is a Scam!

SWA is a scam

Image courtesy of http://www.swa.pinoygotdollars.com/

SWA or Supreme Wealth Alliance is one of the most popular online networking we have these days. My Facebook page is teeming with posts about SWA, I’m sure so is yours.

What is SWA?

SWA is the typical networking group. You pay $55.00 or about P2,310.00 in order to join. They have two “perfect” pay plan systems which you could choose from. One pay plan pays you $70.00 for every six people you refer (directly or indirectly) and the other pay plan pays you $20.00 for every 1st, 5th, 6th, and 8th (onwards) person you recruit. You can view their pay plans in their website.

On SWA’s website, it would seem  that these two pay plan systems are the only means for you to earn with them. Obscured is another way of “earning” – that is, selling their ebooks.

SWA, according to their website, has a library of ebooks and other digital resources which would coach you how to be financially successful. Upon signing up, you will have access to these ebooks. You can sell these ebooks too and you can earn commissions by doing that.

But is it a legitimate business?

I wrote an article earlier about how to determine whether a networking scheme is illegal or not. You can read it here. In that article, I pointed out some salient indicators that could tell us whether or not a networking group is a scam. We’ll use those indicators to determine if SWA is a scam.

First indicator, business focus. What is the main focus of SWA? Is it recruitment or the selling of their products.

SWA’s focus is recruitment. You can tell that from their website as well as the Facebook statuses of the SWA members. Their main selling point is recruitment not their ebooks. Why not their ebooks? Because they know very well that their ebooks are not very marketable. It is recruitment that is marketable to them.

Some may argue that ebooks are one of the best selling digital products today. That is true. But not all ebooks are marketable. The ebooks which are really in demand are fiction ebooks like those of John Grisham and other fiction writers and not business ebooks like those being endorsed by SWA. In the various listings of bestselling ebooks (here, here, and here), you can see that all the bestsellers are fiction ebooks. There are no business ebooks so how do you expect to sell those business ebooks by SWA? So really, their main focus is recruitment.

Besides, SWA is not a publisher, is SWA hiring authors to write ebooks for them? Nor is SWA tied up with a known publisher or any publisher for that matter. So how can we even be sure that SWA has the rights to those ebooks. Further, there are millions of free online resources tackling the same business techniques and approaches which their ebooks and their other digital resources offer. So again, how can you sell SWA’s ebooks if the Internet is teeming with similar resources which are free.

So what is wrong  if their focus is recruitment?

That makes their business illegal. The DTI (Department of Trade and Industry), as well as the Anti-Pyramiding Task Force,  states that

…the test to determine whether or not there is a violation [of the Consumer Act] is whether the scheme involves an investment (entry fee and purchase of goods, or purchase of goods alone) for the opportunity to receive earnings primarily from recruiting, rather that from sales. If so, then there is a violation of law.

Clearly the, SWA’s business model is a scam: you invest P2,300.00 to join, then you earn by receiving commissions from the entry fees of those you subsequently recruit – again, you can’t earn from those ebooks! Your primary income after joining SWA, and as even advertised by their FB posts, comes from recruitment.

Another indicator is to determine whether or not the business is registered here in the Philippines. If it is registered here in the Philippines then that means it can do business here.

In SWA’s website, it says that it is a registered corporation in Belize since 2012. But it is not registered in the Philippines as a corporation (not SEC registered, you can confirm that at SEC’s website). So how can it even conduct business here legally? It does not have any  business office here as well so if things go awry in the business of SWA, how can the claimants sue SWA? Go to Belize, perhaps? Further, in SWA’s website, how come the full copies of its articles of incorporation as well as its by laws are not posted? How will we know what specific type of business is SWA allowed to engage in? How will we know who are its accountable officers? Are they Filipinos too? Very dubious indeed that these items are missing from the site.

And I find it sad that bloggers like this guy believes that all he need as proof of SWA’s legitimacy is a scanned copy of the cover page of SWA’s alleged Articles of Incorporation. Tsk tsk…

Curiously, it appears that the founder of SWA is a Filipino. His name is Francis (Franco, in some websites I saw) Chaves. Chaves does have a registered business here in the Philippines called Chavesnet Enterprises. Chavesnet is registered with the DTI so it must be a sole proprietorship only (not a corporation – which means it does not have sufficient capitalization or bond which claimants can go after if in case its business goes bad; corporations are required to set up a bond to secure their creditors, for SWA which claims to be multinational, if it is registered as a corporation here, it should have at least P2.5 million capitalization to be posted as bond and that’s the fund from which SWA’s creditors can claim their money if in case SWA’s business will go bad). But that’s irrelevant anyway because it seems that Chavesnet has already expired as a business because this page claims that SWA is formerly known as Chavesnet.

From that, it appears that Chaves abandoned Chavesnet, then he went to Belize and started a corporation there called SWA. Then he came back here in order to recruit Filipinos into his business. So why do that? I don’t really know. Why set up your company in Belize? Why Belize? Why not here, since you’re going to operate business here?  But surely, this is a technique commonly used by people who want to avoid lawsuits in the place where they are conducting business. They know their business is a scam and so they anticipate lawsuits here. Hence, they may find it prudent to register their company elsewhere for impunity sake.

At any rate, we do have a legal principle called “piercing the corporate veil” which provides that if you can’t sue the corporation, you can sue the people managing the corporation. So people, if you feel aggrieved by SWA you can sue Francis Chaves. If you can find him.

Now also, there’s this image here which says that Chavesnet is good as a business until 2017. But then again, think of this. Chavesnet is merely registered as a business or a trade name in the DTI. Now SWA people keeps on claiming that Chavesnet manages SWA. How in the world can a small-medium business (as it is registered) manage an international corporation like SWA? Again, businesses registered in the DTI are not posting bonds. They only pay something like P300.00 to P5,000.00 for business permit.  No bonds, so creditors can’t go after Chavesnet, they’ll have to sue Chaves himself. In all, this makes the whole set up of SWA dubious.

Another indicator we can use to determine if a networking is a scam is their business model. We discussed SWA’s business model earlier and how it is focused more on recruitment. This business model is a no-no because you can only recruit too many. What happens if there’s no one to recruit anymore? How can you have a return of your investment? You’re lucky if you’re one of the first to be recruited and the first to recruit.  You may have at least gained back what you invested. But what happens if those you recruit can’t recruit anymore? Will you refund their money? Is there even a refund policy in SWA?

And speaking of refund, there should be a refund policy in SWA, if we are to believe that recruitment is not their main focus.

This brings us to one argument from SWA members – that their business is not a scam because they are earning. Actually, you can do a google search about SWA and a lot of blog sites will vouch for SWA’s legitimacy – but only because the bloggers claim that they are earning from SWA. Well, you can earn from selling drugs too but it is illegal. The fact that you are earning money from your business does not make your business legit. There are laws to be followed i.e. The Consumer Act of the Philippines (read my article here to know how this law relates to pyramiding scams).

The earnings in SWA is primarily dependent on recruitment (again, illegal –  I hope I have stressed that enough). So you earn only if you recruit. There’s no fallback for  the recruits because the business capital  of SWA are digital products which are virtually unsellable. So if things go bad in SWA’s business, will you be okay to be paid by ebooks? Absolutely not! You want cash but they have no cash capital because what they have are ebooks, remember no capitalization because it is not SEC registered. Legally you can still sue the corporate founder but I’ll tell you it will be a long and tedious process. Corporate litigations here in the Philippines are no joke. Remember Aman Futures? And even if you win in the litigation after several years, good luck imposing the judgment, by then SWA’s fund, if any, may have dwindled down.

SWA and all the online business it represents is quite enticing especially for the newbies in the Internet. Besides, who can refuse the promise of easy money. Like what most SWA members post “nagfi-facebook ka lang, kumikita ka na”. I mean, that’s enticing, right? But one must look through a lot of implications – legal, moral, and logical, before parting with your money. It’s true you may earn because you’re good at recruiting but that does not hide the fact that you’re breaking the law.

And for those still considering joining SWA, here’s my advice: be ready to face the consequences. Be ready to recruit and I hope you have a way with words because frankly speaking, you can’t sell those ebooks that SWA is bragging about.

SWA may go scot-free, legal-wise,  but it’s a business which has an expiration date. Again, you can only recruit too many. It will die a natural death, if unprosecuted, because it will have to reach a plateau – a time when no one can be recruited anymore.  And by that time, when the base of the pyramid is so big, who will answer for the unpaid investments of the new recruits? The recruiters? Just think of Aman Futures, if you happen to have been recruiting by that time, do you think you can pay off the investments of your new recruits? So yeah, this is something for you to think about before joining SWA or before recruiting someone to join SWA and all other similar online businesses.

And one more thing, if SWA is earning so much -as well as SWA members, why am I not seeing them organize a relief operation for Yolanda victims – just an additional thought – not really an indicator. But you get what I mean.

UPDATE (November 24, 2013):

So this article is making rounds in social media. It caught the attention of many SWA members. Some engaged me in a debate. Naturally I presented facts and when they can’t deny these facts, they chose to delete their comments. Luckily, I anticipated they will so I made some screenshots here and here.

Anyway, I am doing this update here just so I can emphasize several points I’ve already made. And of course to post here some of the ridiculous arguments SWA members kept rehashing.

On the need to register with the SEC

SWA is introducing itself as an investment corporation. I said it needs to be registered with the SEC in order to operate business here legally so that it can be properly taxed as a corporation and of course so that it will be able to post the required bond/capitalization.

However, SWA members kept on insisting that SWA does not need to be registered for the following reason:

IS SWA REGISTERED THE COUNTRY’S SECURITIES & EXCHANGE COMMISSION (SEC)? IF NOT, THEN WHY NOT?

Supreme Wealth Alliance Corporation does NOT have a local SEC registration and it is because SWAC is not a local traditional company that needs to be registered in any local governing body. SWAC is a legally registered international corporation in the sovereign country of Belize… as an IBC (International Business Company) company… and has fulfilled all necessary requirements an IBC company should comply with. And since our scope is GLOBAL VIA THE INTERNET, we do not have any local offices nor any local registration in any of the 200 countries where we currently have members. We operate 100% in cyberspace (internet) and do not occupy a physical space in any given municipality, city or even country. Since we operate online, we have to comply with the online laws. The same way Facebook, Google, you tube, eBay and other online companies are not registered locally with our SEC, we also follow the same regulations.

In addition, all operation, transactions, product sourcing, and product delivery are done 100% via the internet, and NOT within the soils or jurisdiction of any country… that is why there is no necessity to register locally in any of the countries wherein we have members and affiliates.

Basically, SWA is claiming exemption from the legal requirement. A claim which has no legal basis whatsoever. There’s even no precedence to back their claim. This ludicrous claim by SWA is a clear disregard to Philippine laws and a blatant illegal maneuver to avoid taxation. This makes them akin to a bogus NGO; it is a dummy corporation!

The above argument by SWA is also an admission that indeed Chavesnet Enterprises is a different business from SWA and that Chavesnet’s registration with the DTI (again as a mere tradename) has nothing to do with SWA. So I find it funny that a lot of SWA members are still pushing the Chavesnet registration argument.

Let’s break down their argument:

They say SWA is not a “traditional local corporation” so it is exempt from registration. I don’t know where they got this argument. I guess invention is really the mother of necessity. Their argument finds no support in law. It is clear from the Corporation Code that both foreign, international, or local corporations need to register with the SEC if they wish to conduct business here.  If they do not wish to do so, then they have no right to do business here. Besides, there’s no such classification as “traditional local corporation” nor a “modern local corporation” which SWA members are implying they are. They’re just making that up, perhaps to get more recruits and fool more people.

For more emphasis, here are the reasons why corporations like SWA need to be registered with the SEC:

1. For them to be licensed to do business here in the Philippines, (if a small business like a sari-sari store needs business permit registration so does an investment corporation like SWA);

2. To place them under the jurisdiction of the courts (this is important if in case someone wants to sue SWA, but nevertheless, a victim can sue the alleged owner, Francis Chaves, or even the recruiters);

3. To place them in the same footing as domestic corporations (it is unfair that local investment corporations registered with the SEC are paying taxes while SWA is not);

4. Protection for the public in dealing with said corporations (because SWA will put up a bond which will be readily available to answer for monetary claims adjudged against SWA).

It is not enough that SWA is registered in Belize (even that fact is dubious because SWA has not posted the full text of their articles of incorporation and by-laws, which is another requirement under the Corporation Code). SWA’s registration in Belize does not equate to registration here in the Philippines. Assuming that SWA is registered in Belize, it is only in Belize that it is authorized to do business and not elsewhere, definitely not here.

Now let’s go the argument by SWA members that another reason why they do not need to register is that they are doing business online. They went on to compare their business model to that of Google (YouTube, which is owned by Google), Facebook, and eBay. This to me is a showing of their gross lack of understanding as to how  Google, FB, and eBay conduct their business.

For them to compare their business to be the same as those three corporate giants is too much of a stretch.

Google and FB earn primarily from their advertisements. Advertisers contract with FB and Google for these two to run ads for them. Online advertisement is a multi-billion dollar industry. The major advertisers of these two are offshore-based. Although much of their contracts are executed online, Google and FB pay their tax in the US, because that’s where they are registered as a corporation, plus, that’s where their servers are physically located – that’s what, under their laws, determines where a website primarily operates its business, which further determines the proper taxing authority. You don’t expect them to register here in the Philippines but that does not mean they’re not supposed to make available their website here (which is the logic of SWA’s argument).

What Google and FB are doing here in the Philippines is not really business (hence not taxable here nor are they required to register here with the SEC). FB and Google are merely transmitting their websites here in the Philippines from their server. It’s akin to a TV station in the US transmitting their channel here. That does not mean that they have to be registered here in order to broadcast. Get what I mean?

Same analogy can be applied to eBay but more on that later.

Now, SWA is different. It’s business model, in no stretch of the imagination, is no way the same as that of Google and FB. Google and FB do not ask for a fee for you to use their service. They are a free social networking unlike SWA which asks for a fee before you become a member.

Virtually all SWA recruitment  are done here in the Philippines. It is of no moment that it was done online via FB or whatever social media site they are using. The fact is, virtually all SWA members are posting on FB while they are sitting behind a computer somewhere in the Philippines – the business of SWA, which is recruitment, is still being conducted physically here in the Philippines, contrary to what SWA members are insisting. And for every recruit, SWA gets a commission and a share which is not being taxed. That is taxable here because that is income earned here in the Philippines. Not only that, hopefully these SWA members are declaring their income from SWA for tax purposes – remember, even if the source of income is illegal, it is still taxable!

This whole argument by SWA that they are exempt because they operate online is pure BS. If we follow that logic, it would seem to them that if Toyota Philippines primarily sells their cars online, Toyota will be exempt from registration and taxation.

To rebut this analogy, someone from SWA made mention of eBay’s business model particularly eBay’s selling of ebooks because that seem to be their main comparison point; that they are selling digital products (I believe I discussed this extensively already, especially the marketability of their ebooks, but anyway just to add more argument, I’ll delve on it more).

eBay is merely a medium for sellers to sell their product. eBay does receive a cut for items sold and they are paying their tax in their country of registration (not here in the Philippines). Now it is up to the individual eBay sellers to declare their profit for taxation purposes. All other matters I discussed about Google and FB are also applicable to eBay.

SWA members argue that the selling of digital products (or any product for that matter) online is not subject to tax nor is the company doing the selling required to register because since the transaction is being done online, no country has jurisdiction.

Again, that argument is ludicrous. It finds no support in law.

So if I put up a server here in the Philippines and start selling domains for websites (which is a digital product), would that mean I am not taxable and I do not need to register my business? Of course not, but that is the road these SWA members like to travel.

Sulit.com.ph is a good example of a legit online business which sells both digital and physically tangible items. They are registered as a corporation, under the name Netrepreneur Connections Enterprises, Inc., as such they have the required capitalization, and are paying the required tax from the commission they get from their sellers. Again, if we follow SWA’s argument, Sulit.com is not supposed to be registered!

I don’t know why so many SWA members and recruits believe in the arguments being invoked by SWA. These arguments are flimsy and are mere shallow arguments.

Strictly speaking, there’s really no such thing as transacting business online. Transactions are still conducted physically in the physical world. A SWA member sitting in his home in Manila recruiting a Facebook user located in Davao is still transacting in the Philippines. They are merely using the internet as a medium of transaction. Would you the say the same if they are using phones? Absolutely yes! There is still an active human intervention, and that human is located here in the Philippines. It would be different if its a bot recruiting a bot (you know what a bot is).

How about if that human recruiter is located offshore, well if he’s a Filipino then he still has to pay his tax here and where he is located (double taxation) – of course there are legal matters to consider here but that’s another topic (like the minimum number of days abroad etc.). Bottomline is, for a business to be legit, registration is important, plus taxation, whether you like it or not.

But really, and again I am emphasizing this no matter how much I rehash it, SWA’s business is illegal. Even if it will later on register with the SEC and then post the required capitalization and then pay their tax, if SWA will not change its modus operandi, then it is still illegal.

Even if it complies with the requirements of the Corporation Code but will not comply with the requirement of the Consumer Act, SWA will still be illegal.

The primary thing that makes SWA illegal is its reliance to recruitment as its main source of income (and as the members’ main source of income). Their crap ebooks are not marketable (which I discussed extensively already). I am yet to see a SWA member selling ebooks. All they say in their spiel is that they are recruiting people to their teams. As I emphasized earlier, this scheme of recruiting and earning primarily from recruiting is pyramiding which is illegal under Article 53 of the Consumer Act.

And again, as I always emphasize to stubborn SWA members, the fact that SWA members are earning from recruitment does not make the business of SWA legit. So stop using this argument because your argument holds no water. Like I said, people can earn from selling illegal drugs too but that does not make selling illegal drugs legal. Stop showing us screenshots of you using money as your “pamaypay“, that may even be used against you in a tax evasion case!

Please don’t label me as someone who has this “crab mentality” (like this person here). I am all in for progress. But people should do it legally. We have laws to follow. Kind of cliche but that really is one way to a progressive nation. You see, SWA is getting away with tons of cash being stashed away by the unidentified people running it (save for Francis Chaves) tax-free. If you are pissed with Napoleses’s dummy NGOs, so should you be with SWA – they are the same thing.

What’s sad though is that even though a lot of SWA members already know that their business is illegal, they still continue doing it. Just look at this post in one blog:

SWA member admission

 

You can view their discussion here: http://behindmlm.com/companies/supreme-wealth-alliance-review-55-pyramid-scheme/

People are mad at Napoles for scamming the country. I’m sure most SWA members are angry too. But yet they are willing accomplices and victims of a scam themselves.

UPDATE: (January 18, 2014)

Why SWA’s ebook library is just a smokescreen to hide their pyramiding scheme

Okay, so I get a lot of “justifications” from SWA members telling me that SWA is not a pyramid scam because, according to them, they sell ebooks. Though I already discussed this above, I might as well expound on it more here just so I can drive the message across to stubborn SWA members.

Like I said earlier, SWA’s focus is on recruitment. They earn by recruiting and not by selling ebooks.

Though they have a product, these ebooks, this is just a smokescreen to hide their real business, which is recruitment, and again this is against the Consumer Act.

Why are the ebooks a mere smokescreen, or in the vernacular “panakip-butas” to the real business of recruiting?

Well, for the following reasons:

1. SWA is not a publisher. It is not even an online bookstore like Amazon or Barnes and Nobles. SWA does not have any tie up with any publisher, nor is SWA an authorized publisher or reseller of the various ebooks they claim to be included in their library. They even claim they have books authored by Paulo Coelho – I can’t imagine Mr. Coelho authorizing SWA to sell his books/ebooks. If SWA does have authorization from authors to sell their ebooks, such is not evident as such fact is hidden from the public.

2. They do not sell ebooks to the public at large. Their ebooks are contained in a library of, as they claim, “2,500+ of ebooks”. Before one can be allowed to buy an ebook from SWA, he must be a member. In short, membership is a prior requisite before you can buy an ebook from them. Hence, you have to pay P2,500.00 or $55.00 (I wonder what conversion rate are they using) before you can “buy” ebooks.

But then in fact, once you are a member, you do not actually “buy” ebooks from SWA anymore because these 2,500+ ebooks become free for you to access.

If you analyze this business scheme closely, you’ll see that the real focus here is RECRUITMENT and NOT the selling of ebooks. In fact, these ebooks are free and incidental to your membership with SWA – so again, the real business is RECRUITMENT which is against the Consumer Act as earlier emphasized.

In fact, one of the head honchos (a certain Manny Viloria) of SWA blatantly admits that they do not sell ebooks. You can check his link here (read his number 7): http://supremewealthalliance.net/603/swa-ebook-questions/

 I made a screenshot here:

Manny Viloria No Selling of Ebooks

If the above is not incriminating, I don’t know what it is called. So there you have it, a clear admission that they are violating the Consumer Act by focusing on recruitment – because how else can they earn if they don’t sell ebooks? And again, they RECRUIT, they DO NOT SELL.

3. Here’s another reason why their ebook library is merely a front. How in hell are they paying the authors their royalty fee for the ebooks they were able to “sell”?

For the public’s information, an author is entitled to a portion of the sales of his ebooks (or books) called a royalty fee.

Let’s break this down: A member pays $55.00, or P2,500.00  according to the conversion rate that SWA invented, right? So out of that $55.00, depending on what pay plan the member is enrolled in, at least $30.00 out of that is allotted to the recruiter. $5.00 is then given to SWA as its share. Assuming that the $20.00 is allotted for royalty fee payment, how do they divide that to the 2,500 authors of the 2,500 ebooks they sell? If you divide that, an author is merely entitled to $0.008 per ebook “sold” (via membership). So if there are, let’s assume SWA members number to 80k (because that’s what most SWA members say), Paolo Coelho only earned $640.00 from the 80k copies of his ebook “sold” to members.

And would he agree to sell his ebook to and through SWA for only $0.008? Would any author do that? I don’t think so.

And when calculated using the more believable number of SWA members which is around 20k, then the author actually only earns $0.002 per ebook “sold”. And this is assuming SWA does pay royalty fees. For all we know, it is also keeping that $20.00 extra per member recruited. So just imagine how much money SWA founders (Francis Chaves, Jeff Perez, Manny Viloria?) earn illegally.

4. SWA has no refund policy. If SWA is really into selling ebooks, they should have a refund policy. But apparently, they don’t have one so once you parted with your money, it stays with SWA.

WHY I AM NOT FILING A COMPLAINT… and what you can do to stop online pyramiding scams.

Why is this author not filing a complaint against SWA? This question has been propounded to me by a lot of SWA members. Well, in the first place, I was never a victim of SWA. That being, I don’t have any legal standing in court to sue SWA. Besides, and this is a glaring loophole in the system, there is no government mechanism to facilitate complaints from concerned individuals like me against scams like SWA.

In the United States, they have what they call a Better Business Bureau and an entity called the Office of the Customer Advocate (or something like that). Basically what they do is to receive and prosecute complaints against businesses which conduct sleazy operations. We don’t have that here!

I can’t approach DTI because again, you have to show receipts that you’ve been duped by a certain company. I can’t approach the SEC because in the first place, they don’t have jurisdiction over SWA, it being not registered with the SEC. I can’t go to court because again, I’m not a victim. I’m just the observer here telling people the obvious. But SWA people can sue me if they want to – lol (just so SWA’s issue of legality can be brought to court because I will certainly use that as a defense to whatever case they’ll file against me – if you’ll look at the comments below, a lot of them had threatened to sue me with libel, so there’s that, but good luck to them: freedom of expression baby!)

I also approached various media organizations and even some senatorial staff but until now no reply from them. One media person did say that if I can refer just one victim who is willing to speak, even on conditions of anonymity (but with vouchers and receipts showing proof of being scammed), they will be willing to cover it. So I am appealing to any SWA member who in any way was scammed, specially those who did not get any return of their investment, send me a message below or via email. Any SWA insider is also welcome to be a “whistleblower” – who knows, that may mitigate your liability.

Anyway, for us non-SWA members/victims who are merely exercising our vigilance, we can do our part in eliminating or at least decreasing the number of online scams by sharing this article. Tag your local Congressman of possible. Tag anyone in the Senate or anyone who has contact to anyone there. Certainly, there are legal loopholes which facilitate the abundance of online scams like SWA. By us making it known to Congress, they can address this loopholes. So let’s make SWA famous – but not just SWA. Using the same guidelines outlined in this article, we can identify which online businesses are scams and which are legit.

I have also launched a campaign online: https://www.facebook.com/photo.php?fbid=548875518529555. Let’s make SWA famous with the hash tags #makeSWAfamous and #swaSCAM. The more famous SWA gets, the higher the chance it gets noticed by Congress.

What happens if it gets noticed by Congress?

Well hopefully someone will make a legislative inquiry on online pyramiding scams and make sweeping legislative reforms so that they can put more teeth on the anti-pyramiding efforts so that they not only check on offline businesses but also on online businesses like SWA and similar online scams.

UPDATE: (April 14, 2014)

Apparently, SWA is now registered as a corporation since April 8, 2014. You can now see SWA’s name on SEC’s online database (go to sec.gov.ph).

This of course does not legitimize SWA’s business. Since this article is too long, please check this link for my discussion on this: http://howard.uberdigests.info/2014/04/15/swa-is-now-a-corporation-but-this-does-not-legitimize-their-business-scheme/

SOURCES:

http://philnews.ph/2012/09/29/francis-chaves-supreme-wealth-alliance-ultimate-ceo-and-founder/#

http://howard.uberdigests.info/2013/10/31/scam-o-legit-na-networking/

http://www.philstar.com/opinion/268110/pyramiding-vs-networking

http://philnews.ph/2012/09/29/francis-chaves-swa-ultimateprogram-ceo-founders-mission/

http://swaultimate.com/about

http://www.sec.gov.ph/investorinfo/Ponzi%20Investment%20Schemes.pdf

About the author

Howard Chan (The Student)

Howard considers himself as an armchair activist. Though his street rally days are in a slumber he still advocates changes via social media. He is a strong believer that awareness of various social issues is a good starting point in order to break out from the stranglehold of an oppressive system which only benefits the few. He is also a full time student and a part time blogger, part time web designer, part time web manager/designer for various clients. (Note: Howard Chan passed the 2014 Bar Exams and was admitted to the Philippine Bar on April 29, 2015. That being, all posts after April 29, 2015 authored by him are now under the name Howard Chan for the purpose of distinguishing posts he made as a non-lawyer from posts he made after admission to the bar).

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  1. Justin Cate

    Thanks for posting this. Just shared it to a Filipino-American Immigration Group that I co-admin. We have been getting a flood of these annoying SWA posts.

    1. Denz

      Howard Chan kumusta na yung sa BIR? Nakapag file ka na ba ng complaint?

      #malapitnabaangkatapusan

  2. Howard Chan

    Thank you for sharing!

  3. Diane christine Miyamoto

    Dami nyo pong sinabi..pero bakit wala po kayong nilagay na prof ng na SCAM ng SWA kung totoo nga pong SCAM ito. Useless lang yong statement mo. Ito po ba prof ng SCAM? https://www.facebook.com/dianedang28/media_set?set=a.4769363126005.170888.1653285496&type=3 . Send me message kung gusto mo pa ng additional. God bless you.

    1. Ronald S. Cayabyab

      Sabi ninyo… produkto ninyo e-books at virtual library… may e-book ba kayo na kailangan ko talaga ngayo? ORGANIC RICE FARMING po and PEST and DISEASES of RICE PLANT… Salamat

      1. Ronald S. Cayabyab

        Malapit na po mag-1month post ko… akala ko ba reader itong mga SWA? Kahit dalawa lang yung gusto kung makuha sa DAMI na Ebooks ninyo po… ano pa kaya kung text books na naman…

        1. jes

          Sir hinahanap mo po yung wala, Negatibong pag-uugali yan..Para po malaman mo Sir more than 2000 titles lang po ang laman ng SWA Library.. Maski po ang Library of Congress na siyang pinakamalaking Library sa mundo eh hindi kumpleto ang collection ang SWA pa kaya..Para lang po malaman mo Sir wala man yung hinahanap mong mga titulo ng e-books eh maipagmamalaki kong maganda ang mga nilalaman na e-bokks ng SWA..Para din po malaman mo ang 2500 katumbas ang more than 2000 e-books sobrang napakamura na po SIR..

          1. Ronald S. Cayabyab

            jes, hinahanap ko yung kinakailangan ko… book diba yung produkto ninyo at 2500 pa at low price pa… kaya ng gusto ko makuha yung hinahanap ko… anung silbi ng maraming libro kung wala naman yung kailangan kung basahin?

            Sana wag maging tanga sa lahat ng bagay kung pera at produkto ang pinag-uusapan. Kung negatibo ang gusto makuha ang libro na wala naman… yung nag-PaPROMISE ng “WOW! 2500 plus na libro” na hindi naman maibigay ang kinakailangan ng isang tao na para namang ang dali lang sanang libro “Agriculture” lang yan! ano pa kaya yung textbook na kinakailangan ng studyante ngayon?

            Ano silbi ng BUSINESS na hindi ma-meet ang NEEDS ng mga tao? PERA-PERA LANG? WOW! Para yatang walang silbi…

          2. Ronald S. Cayabyab

            Malapit na ang 2 months… Wala pa ba? Anung klasing LIbrary ito?

          3. Ronald S. Cayabyab

            Jes, saan na? mag-3months na…

          4. ronald

            Saan na Jes? mag-2 years na…

            Papaano maging legit ang isang company na wala naman talagang produkto? ano to bulahan?

        2. demi

          you can download ebook for free ….. you don’t have to join any kind of any networking business again you can download ebook for free …..

    1. yaya

      funny! so,dahil sang katotak na pictures na nagsasabing kumita,legit na agad?? bat ba ang daming tanga dito! panindigan nyo nalng yang mga katangaan ninyo!niloloko lng kayo ng mga yan!haha

      1. nono

        Alam mo yaya, hindi naman kami magpopost ng pics kung hindi naman totoo.. Isipin mo, magpopost ba kami ng matagal kng nagpapakatanga kami? Magisip2 din… Hindi yun basta naang magtiwala sa mga blog…

        REMEMBER: Just because you can make a blog doesn’t mean that you are SMART and RIGHT 🙂

        1. Howard Chan (The Student)

          Nono, may basehan naman mga blog namin. Ang linaw naman na nagpresenta kami ng mga factual at legal basis… kayo, ung mga pinost nio ay proof lang na may mga ilan ilan na kumita sa SWA.. which is nothing but a mere futile attempt from SWA members to make it look that swa is “legit”.. pero no matter what, there are laws that swa needs to comply with.. kaya ang linaw sa article na sinabi ko na the mere fact na may kumikita sa swa is not enough to make your business legal… this is not about being smart.. this is about being in compliance with the law…

          1. Victor Caparida

            Kaya madaming pinoy ang mahihirap ngayun dahil sa sulsol ng mga actibista na tulad nito,,,c napoles at mga corrupt na opisyales pagtoonan mo ng blogsss mo wag tong nakakatulong sa tao…join na lang kayo sa swa…aangat pa buhay nyo…

          2. Nimitz

            Chan keep it up!!! love your articles at least your intentions were true unlike others they kept on claiming they earn and they are happy to earn from recruiting …

          3. ciluzvi

            sumbong nio po kay tulfo:) nakakatulog p po ba kau? laki po ata ng probr. nio sa swa:) wawa nmn po.. ndi po lht ng matalino o alam ang batas ei smart na. hahaha… mgkanu kya binayd sa nggawa ng blog n to.. nakkakalungkot:)… nood po kau sa fri may pa raffle po ang swa car po pamimigay:). sakali mbunot nme nio . hehe…

          4. pisot

            sir…alam mo yun lang pala pinoputok ng pantog mo bakit di ka lumapit sa mga authority para ma prove mo sa sarili mo yung claim mo…wala kang bayag no..puro ka sulat… gusto mong tumulong sa ibang tao, pero sarili mo ba natutulungan mo..alam mo pre…fame lang naman habol moeh..kung may bayag ka talaga ang tiwala ka sa paninindigan mo harapin mo.. o isa ka rin sa nabayaran ng ibang company.. para manira ng kakumpetinsya sa negosyo..alam pera pera lang yan…kung ready kang panuyan ang claim mo ako pa mismo sasama sayo kung san mo gustong ilapit ito..kung scam ang company peroid, pakulong ang may sala..

          5. Riss

            Okay. March na, but i cant help but comment on this. I’m looking for a part time job online, and saw SWA. but since their sites are very unprofessionally made, i tried looking more on it. Your proofs of trying to make SWA look legit just because of a promise of money doesn’t make sense. People sell DRUGS, they make money from it, therefore, do you consider selling drugs such as meth and weed LEGAL? cause you earn money? .

            —“knowing laws doesnt make you smart” , i saw this sa isa sa mga post sa taas. well knowing the essential laws, DOES make a difference, and yes it makes YOU smart, if you know the implications it might cause, i dont know if the author is smart ( no offense, but i do think you are!), but i believe that his article is WELL researched. what makes you NOT smart is not knowing and turning a blind eye on the consequences that might arise. The author is laying out very PLAUSIBLE and LOGICAL argument, which you people (SWA supporters) answer with scorned words and “proofs” of SWAs legitimacy by putting pictures of money earning SWA staffs. ( bring back the drug issue). Now you say SWA is now registered as a corporation. well good for you!, MIGHT be able to help with the issues you MIGHT face with SWA, because as I can see it, if SWA is really legit ( though i highly doubt it) their company attorney is not really good! not to mention their executives, an INTERNATIONAL company like SWA CLAIMS to be, should have excellent attorneys, that have a really good understanding of the LAWS, having seen one of their loopholes, you now try damage control with registering. You should have known this is needed from the start! I would not put myself in any company that has executives that does not understand how to start a businesss! It’s idiocy!

            — Lastly, don’t attack the author, just because it hit where it hurts. Touche. Maybe he was indeed paid to write, i dont know that for sure, but what is sure is the LOGIC that he states in his argument. Who cares if he’s paid? you can see the logic in his statement.

            Ask yourselves:

            You might be earning, but is it legal?
            The corporation is registered you say, but does it say that your allowed for your main source of income to do PYRAMIDING? I highly doubt it.

            Its hard to earn money, it has always been and always will, you just need to choose your path. Would it be the RIGHT WAY?

            –Now before other SWA members come swooping in, and attack my grammar, cause they cant say anything against this or god forbid, ask the same questions that have been addressed over and over again, like you;ve done in the comments section. GET THIS, I DON’T GIVE A FUCK by my wrong grammar, capitalization, punctuations and whatnot, this is not formal righting, don’t grammar nazi me. and I DONT GIVE A FUCK, if you do not listen, to this article or my comment because at the end, if something goes wrong. YOU’RE the LOSER, not ME cause of you’re own idiocy and a high skill of ignoring facts laid out for you. So toodles, bitches. AND AUTHOR, ;D well done. love your article! 😉

          6. Bryan

            What a crap and garbage BLOG… I have read your post PYRAMID SCHEME are ILLEGAL? Is the message is correct? RA7394 http://www.lawphil.net/statutes/repacts/ra1992/ra_7394_1992.html

            Republic of the Philippines
            Congress of the Philippines
            Metro Manila

            Eighth Congress

            Republic Act No. 7394 April 13, 1992

            THE CONSUMER ACT OF THE PHILIPPINES

            TITLE I. – GENERAL PROVISIONS

            Article 4. Definition of Terms. – For purposes of this Act, the term:

            k) “Chain distribution plans” or “pyramid sales schemes” means sales devices whereby a person, upon condition that he makes an investment, is granted by the manufacturer of his representative a right to recruit for profit one or more additional persons who will also be granted such right to recruit upon condition of making similar investments: Provided, That the profits of the person employing such a plan are derived primarily from the recruitment of other persons into the plan rather than from the sale of consumer products, services and credit: Provided, further, That the limitation on the number of participants does not change the nature of the plan.

          7. nicki

            keep up the good work howard!

          8. Jay

            kung ganon… pag nag benta pala ako ng shabu eh legal na ang negosyo ko. hahahaha

        2. Ronald S. Cayabyab

          Nono, diba e-books and virtual library product ninyo… please po pasample ng dalawang books, ORGANIC RICE FARMING and PEST and DISEASE of RICE PLANT… Kailangan ko talaga ito ngayon… kung mayroon, baka sumali ako ng SWA… Salamat

        3. Ronald S. Cayabyab

          e-books and virtual library product ninyo… please po pasample ng dalawang books, ORGANIC RICE FARMING and PEST and DISEASE of RICE PLANT… Kailangan ko talaga ito ngayon… kung mayroon, baka sumali ako ng SWA… Salamat

          1. quick silver

            sir for now we have this…1525) Organic Gardening / Ebook / Click here to download

            1526) Organic Gardening for Beginners / Ebook / Click here to download

          2. Ronald S. Cayabyab

            Iba po yung Organic Gardening sa Organic Rice Farming kasi non-submergence ang gardening. Diba libo-libo yung e-books natin? Wala ba talaga kahit isa?

          3. ciluzvi

            sir ronald cayabyab email nio po aq about sa concern nio. u ciluzvi21@yahoo.com. add me din po sa facebook. GOdbless

          4. Ronald S. Cayabyab

            ciluzvi, dito nalang baka scam po yung account mo… wala kasing picture o kaya personal profile, paste mo nalang dito… testing lang sana ito kung totoo talaga yung ipinangakung massive books ninyo at library… ito lang naman sana kailangan ko 1. Weeds and Rice Production, or 2. Organic Rice Farming, or 3. Pest & Diseases in Rice Production. Kasi ito po yung kinakailangan ngayon sa ating mga rice farmers.

            Kahit isa lang sa tatlo, magkaiba po yung Organic Gardening sa Organic Rice Farming, binabasa ba ninyo yung produkto ninyo?

            Salamat kung meron.

          5. ciluzvi

            heheh kua d po aq scam:) i just want to help u:) check my facebook all my details is true:) http://www.facebook.com/Ivzulic makikita nio po lahat ng face k dun:) d lng ako makapglagay ng pic dto:) Godbless po

          6. Ronald S. Cayabyab

            ciluzvi, kagaya ni quicksilver… link mo nalang… kinakailangan ko talaga books na yan para sa mga rice farmers natin. salamat

    2. Ronald S. Cayabyab

      Diane Christine Cantos Miyamoto, nono, quick silver, ciluzvi… Saan na ba yung posting ninyo na Library? at ang dami ninyo pang ebooks… tatlo lang yung hinihingi ko pangsample lang kung totoo ang SWA… Ano ba yang mga libro ninyo “useless” yata…

      Kahit tatlo lang pangsupport natin sa farmer na nagpoproduce ng rice natin na laging may rally na mahal ang bigas, ang SWA ay hindi makakatulong kahit sa rice farmers natin, ano pa kaya sa students… yung mga textbooks nila…

      1. ciluzvi

        wala po ang swa about rice n hinahanap nio sir. wala po kme ganun.

        u can check some list here of our ebooks sir. https://www.facebook.com/Ivzulic/media_set?set=a.688989767779467.100000053502991&type=3 Godbless pero senxa n po wala po aq makita sa mga libro pinahahanap nio. i just want to give u a seperate copy po. n galing sa fren k un. na baka po makatulong sa inyo. kya po pingakokontak k po kau. sakin. Godbless po.. kaso inaakala nio po scam aq kya wala po aq magagawa.’.. Godbless po

        1. Ronald S. Cayabyab

          Ay okay… WALA TALAGA… kulang kulang yung e-books ng SWA, hindi talaga na meet yung needs ng mga tao… Well, okay… Wala din ako magagawa…

          Simply lang po yung hinihingi ko… Dami kasing post ciluzvi na dami ng books ng SWA, ang tanong kinakailangan ba? Kung mag-advertise lang naman tayo, well yung totoo… BOOK enthusiast din ako particularly for Rice Farmers natin sa Pilipinas…

          Hindi makakatulong ang produkto ng SWA sa maliliit na mga mamayan, at totoo talaga yang “PERA PERA lang”… Well, go nalang po kayo at conscience nalang po yung pinopost natin kung totoo ba or hindi…

          Sana walang kaibahan ang mga pangako ng politiko natin sa Pilipinas at sa mga SWA… puro hangin lang…

          Well, God Bless nalang…

          1. Ronald S. Cayabyab

            Salamat ciluzvi sa effort… God Bless…

            I mean “Sana May kaibahan ang mga pangako ng politiko natin sa Pilipinas at sa mga SWA…”

        2. marcial abogado

          ang babaw mo naman bakit di ka na lang magpunta at magtanong sa Dept of Agriculture sigurado meron don ung hinahanap mo.

          1. Ronald S. Cayabyab

            Marcial abogado, scam mo naman. Library ang sabi ninyo. Kung boto ng palay ang gusto mo, Dept of Agriculture puntahan mo, kung libro library… Saan na library ninyo…

          2. Ronald

            Saan ba yung library, mag-2016 na…

      2. Ronald S. Cayabyab

        Ms Marcial Abogado, alam mo ba kung anung serbisyo ng Dept. of Agriculture? Kung may libro kayo about Dept. of Agriculture, sana alam mo na. Walang ganon na mga libro ang Dept. of Agriculture na nagtutukoy about “Rice Tungro Virus” and “Weeds and its Management”.

        Kababawan ba yung naghahangad ng libro sa mga taong nag-promise ng library? Diba yan ang Advertisement ninyo? So saan na ang KINAKAILANGAN?

        So Marcial Abogado, kababawan? So wala kayo? Walang kwenta mga libro ninyo?

        1. Ronald S. Cayabyab

          Saan na ba yung “Supreme Wealth Library (online library).” buti pa Cagayan de Oro City Library my books pang-Agrikultura para sa magsasaka… Talagang hindi maka-MASA ang SWA…

          Dalawa lang yung hinihingi ko kung Supreme Wealth Library (online library). ONLINE LIBRARY BA TALAGA? Joke Joke lang yata e-books ninyo?

          1. Guide of Rice Production
          2. Common pest and disease of rice plant

          Mag-5 months na po… As in Five (5) months…

          1. Ronald

            Connected na ba yung Amazon at SWA? So walang maibigay ang SWA…

  4. Howard Chan

    Yes! Again, if you have read the article, I said it is not enough that you people are earning from SWA. Earning from a certain business does not make the business legit. Like I said, you too can earn from selling drugs, but that does not make selling drugs legal. In short, there are laws to be followed. SWA failed to follow at least two laws: The Corporation Code of the Philippines and the Consumer Act of the Philippines. These are important laws, and until SWA follows these laws, it will never be legal. I hope you get my point. Please read the article before posting your comment, I don't want to restate everything here.

    1. Bryan

      SWA – SEC – REGISTRATION #: CS201407120

      WHY SEC (SECURITIES of EXCHANGE COMMISSION) is NEEDED in SWA and DTI is not needed?

      The Department of Trade and Industry (DTI) is the Philippine government agency that governs the registration of business names in the Philippines.
      > If you’re business is in the form of single proprietorship, a DTI registered business name is one of the important requirement to be able to register your business with the Mayor’s Office and Bureau of Internal Revenue (BIR).

      For corporations and partnership form of businesses, their Securities and Exchange Commission (SEC) registration is already sufficient for their trade name. However, many incorporators and partners are still registering their trade name with the DTI to ensure that their names will not be used by others.

      What a crap and garbage BLOG… I have read your post PYRAMID SCHEME are ILLEGAL? Is the message is correct? RA7394 http://www.lawphil.net/statutes/repacts/ra1992/ra_7394_1992.html

      Republic of the Philippines
      Congress of the Philippines
      Metro Manila

      Eighth Congress

      Republic Act No. 7394 April 13, 1992

      THE CONSUMER ACT OF THE PHILIPPINES

      TITLE I. – GENERAL PROVISIONS

      Article 4. Definition of Terms. – For purposes of this Act, the term:

      k) “Chain distribution plans” or “pyramid sales schemes” means sales devices whereby a person, upon condition that he makes an investment, is granted by the manufacturer of his representative a right to recruit for profit one or more additional persons who will also be granted such right to recruit upon condition of making similar investments: Provided, That the profits of the person employing such a plan are derived primarily from the recruitment of other persons into the plan rather than from the sale of consumer products, services and credit: Provided, further, That the limitation on the number of participants does not change the nature of the plan.

  5. Joey Romero

    very nice explanation,keep it up and more power to you.

  6. Ramirez Manilyn

    May products nmn tlaga ang swa at un ang ebooks. But they more focused on recruiting , and thats how they become illegal .. pero kung sana ganito they have to purchased first the ebooks worth of 2500 or $55 before they can get the membership and have their own account ..
    But their presentations explained you have to invite people to be swa members and they can get n resell the ebooks ..

  7. Howard Chan

    yes, and really, they know they can't sell those ebooks because those are not really marketable.. i mean who buys those ebooks? another dubious thing is that, though they have ebooks, do they have rights to those ebooks? they're not a publisher nor are they tied up with authors and publishers.. so how did they get rights to those ebooks in the first place. but yes, recruitment as the main source of income qualifies one for pyramiding (sec 53, Consumer Act).

  8. Swa Jay-ar Bautista

    SWA is 100% Legitimate ok? mrami na ang kumita sa SWA, kht ilang beses nyo 2 crain hndi nyo mabubuwag ang SWA.

    1. Aya

      Did you even read the whole article, sir? How many times did the author say that even if people are earning from SWA, it doesn’t necessarily mean it is legal. He even used the perfect example of selling drugs. Some even say that SWA is helping people? Yeah, they are helping people earn from fooling people into joining. The arguments stated in the article are based on law. How about SWA? On what legal basis can you say that your business is really LEGAL?

    2. Vigilante

      AYA , tingin ko di nya binasa. May pagka-tanga ang sagot eh.
      wahahahaha

  9. Howard Chan

    did you even read the article? ang linaw ng pagkasabi na hindi porke may kumkita sa swa eh legit na ito. Bakit ung mga drug dealers na kumikita sa shabu legal ba? un ba gusto nio sabihin?? ang kulit niyo rin no! no wonder you were fooled to join SWA kasi hindi niyo iniintindi mga arguments naming anti-swa/anti-scam..

    1. gdrdsa

      madami silang ebooks pero tamad basahin tong article nato, close minded, basta SWA is legit sa kanila period! hahaha

    2. Vigilante

      ebooks ebooks pa sila
      no wonder kung binabasa nila yun!
      hahahaha

  10. Howard Chan

    i'm sure idedelete mo tong comment mo.. pero nwei, paste q lang d2 excerpt ng article q para mabasa mo

    The primary thing that makes SWA illegal is its reliance to recruitment as its main source of income (and as the members’ main source of income). Their crap ebooks are not marketable (which I discussed extensively already). I am yet to see a SWA member selling ebooks. All they say in their spiel is that they are recruiting people to their teams. As I emphasized earlier, this scheme of recruiting and earning primarily from recruiting is pyramiding which is illegal under Article 53 of the Consumer Act.
    And again, as I always emphasize to stubborn SWA members, the fact that SWA members are earning from recruitment does not make the business of SWA legit. So stop using this argument because your argument holds no water. Like I said, people can earn from selling illegal drugs too but that does not make selling illegal drugs legal. Stop showing us screenshots of you using money as your “pamaypay“, that may even be used against you in a tax evasion case!

    1. imbestigador

      tama po kayo sir ika nga ng IMBESTIGADOR walang maloloko kung hindi magpapaloko…

  11. Ramirez Manilyn

    Nd nmn po cguru masama ang hangarin ni chaves .. may mga mali lang sa paraan nya .. ?
    But if that is truly illegal , y no one caught them ?
    Y no one doing an action to stop them ?
    Even some of authorities keep joining ?
    if you really proven swa is a scam , y don't you make an action to stop it? I don't think they will simply believe by your words .. if someone make a move and do an action, swa will goneby..

  12. Howard Chan

    Hi Manilyn, that's the tricky part.. I can't file a complaint because I'm not a victim.. was never a member of SWA.. best i can do is to caution people.. but obviously Chaves is up to something fishy.. that's evident by the fact that he set up his corporation in Belize – and there's no way for us to verify that even because Belize is like half a world away.. but you are right, unless someone does something more significant, like sue Chaves in court, SWA will thrive..

    1. mari

      yun naman pala walang biktima dito kasi lahat ng members walang pinagsisisihan! kung marami sanang complaint e di sana may case kaso wala eh! so anong problema mo????

      1. ShadyLestrangey

        it is because the pyramid is not yet crashing. but soon, it will.

        1. NIKE

          indeed

    2. Bryan

      SWA – SEC – REGISTRATION #: CS201407120

      WHY SEC (SECURITIES of EXCHANGE COMMISSION) is NEEDED in SWA and DTI is not needed?

      The Department of Trade and Industry (DTI) is the Philippine government agency that governs the registration of business names in the Philippines.
      > If you’re business is in the form of single proprietorship, a DTI registered business name is one of the important requirement to be able to register your business with the Mayor’s Office and Bureau of Internal Revenue (BIR).

      For corporations and partnership form of businesses, their Securities and Exchange Commission (SEC) registration is already sufficient for their trade name. However, many incorporators and partners are still registering their trade name with the DTI to ensure that their names will not be used by others.

      What a crap and garbage BLOG… I have read your post PYRAMID SCHEME are ILLEGAL? Is the message is correct? RA7394 http://www.lawphil.net/statutes/repacts/ra1992/ra_7394_1992.html

      Republic of the Philippines
      Congress of the Philippines
      Metro Manila

      Eighth Congress

      Republic Act No. 7394 April 13, 1992

      THE CONSUMER ACT OF THE PHILIPPINES

      TITLE I. – GENERAL PROVISIONS

      Article 4. Definition of Terms. – For purposes of this Act, the term:

      k) “Chain distribution plans” or “pyramid sales schemes” means sales devices whereby a person, upon condition that he makes an investment, is granted by the manufacturer of his representative a right to recruit for profit one or more additional persons who will also be granted such right to recruit upon condition of making similar investments: Provided, That the profits of the person employing such a plan are derived primarily from the recruitment of other persons into the plan rather than from the sale of consumer products, services and credit: Provided, further, That the limitation on the number of participants does not change the nature of the plan.

  13. Ramirez Manilyn

    Hindi mo pdeng sabihing "because I am not a victim" ..
    Because you still don't know , I still don't know and they still don't know if swa is really scam, until one does ..
    ThEy can say , "they are victims"..
    And "I am not a victim" ..

  14. Howard Chan

    huh? ganito kasi yan, may procedure po sa pagfa-file ng kaso either sa DTI or sa SEC, pati sa mga regular courts (regional trial court at MTC)..

    pag sa DTI, normally ang nirereklamo dun mga regular na businesses tulad bg mga supermarkets, etc.. doon kelangan mo ng mga receipts etc – mga proofs of transaction, which is wala ako kasi nga hindi ako naging swa member.. i can't sue chavesnet kasi wala aq direct transaction with that business

    sa SEC naman, that's a gray area kasi nga hindi nagregister ang SWA as a corporation so hindi cla may jurisdiction..

    best bet is the regular courts and the person suable is Chaves kasi xa ang kinikilalang founder.. pero hindi ako magfa-file kasi hindi ako biktima ni Chaves.. ang mga biktima ni chaves ay mga na-recruit sa SWA, mga kumita man o hindi.. biktima cla kasi ipinasok cla sa isang illegal na business..

    at sa tingin ko hindi mo binasa ng buo ung article, prinesent ko naman mga basis kung bakit sa tingin ko scam ang swa.. d ba nga nilahad ko ung mga batas na naviolate nila? ang ating corporation code at ang ating consumer act..

    so pwede ko sabihin na i cannot file kasi i am not a victim because i really can't.. gets mo?

    in your earlier comment you were agreeing na illegal ang swa kasi ang focus ay recruitment.. and then here you are saying we can't really tell? what happened? r u a swa member?

  15. Howard Chan

    it seems you really are a swa member.. just viewed your profile page on FB.. so you agree that SWA is illegal.. based on your article above..(which I already made a screenshot of, in case you will delete it).. and yet you are still recruiting people?? hmmm… yan ang sinasabi q eh.. pero hindi kita inaaway ha.. i'm just trying to caution you because you might be an unwitting accomplice.. it will just be a matter of time before SWA's business and all other online networking groups will be subjected to a senate inquiry.. your popularity will kill your business..

  16. Ramirez Manilyn

    Oo swa member ako ..
    Kaso nga lang negative and positive ..
    Magaling kang magpaliwanag, binasa ko un ..^^
    wala rin akong alm sa codes n yan , pero nagsesearch ako..
    Comment ko lng un kuya , wag kng magalit ..
    Mananatiling tuldok ang swa kht inilahad mo n ung mga info. Kung walang mglalahad .. ge..

  17. Howard Chan

    d man aq galit 'teh.. hehe.. nakakapanghinayang lang.. kc alam nio naman po pala na may mali sa loob loob niyo.. pero sabi q nga, cguro, for now it's a matter of choice.. people like me can just caution people.. 🙂

  18. Paolo Yacyalac

    How would you compare SWA's business framework to the traditional Filipino "Paluwagan"?

    1. NotoPyramiding

      pinagcompare mo pa? ibang iba naman yan sa paluwagan eh. nag papaluwagan kami pero wala naman recruit2 na nagyayari. parang cooperative lang kasi ang paluwagan. lahat kami may share, kung may nangangailangan (part ng grupo) hihiram sya sa naipon ng grupo at papatungan ng interest. Hindi sya business. Para lang kaming banko. na ung pondo namin may magloloan. edi tumubo din pera namin pag nakabayad na ung mga umutang.

      business framework pang nalalaman to

  19. Howard Chan

    they're entirely different.. a paluwagan is more or less permanent in number at its very inception.. in swa and other pyramiding schemes, it continues to expand so long as there are new recruits.. pyramiding schemes offer get rich schemes often promising unlimited earnings, while in paluwagan just multiply ur contribution with the number of members, so u know how much you're getting.. in pyramiding schemes, there's only a one time fee, but in paluwagan, it has to be a scheduled payment (weekly or monthly).. paluwagan is more or less a contract between friends/members.. some cooperatives even started as paluwagans at first.. paluwagan is legit because it is really a contract among friends.. plus members are usually friends so they know and trust each other.. unlike swa which is illegal because of reasons i've mentioned in the article above..

  20. Charm Buffe

    Seriously jay-ar bautista..tama naman diba wala kayong ginawa kung mangflood ng walang kwenta nyong post not to sell your silly ebooks but to recruit righT!!yumaman ka dahil sa ambag ng downlines mo…kawawa naman ang nasa dulo ng line..i bet hindi ka pa nagbebenta ng ebooks kasi alam mo na walang kwenta ang ebooks na binibenta mo..wala kayong pagkakaiba sa mga magnanakaw…ni wala nga kayong "Office " dito sa philippines…bakit sa BELIZE??ang layo dude..

  21. Charm Buffe

    Here Sir, can you do some research on this…i really want to know who really own swa…and definitely prove that they are big B.S…information below is from whois

    Domain Name: SWAULTIMATE.COM
    Registry Domain ID: 1702260556_DOMAIN_COM-VRSN
    Registrar WHOIS Server: whois.godaddy.com
    Registrar URL: http://www.godaddy.com
    Update Date: 2013-01-25 11:55:04
    Creation Date: 2012-02-14 21:24:37
    Registrar Registration Expiration Date: 2014-02-14 21:24:37
    Registrar: GoDaddy.com, LLC
    Registrar IANA ID: 146
    Registrar Abuse Contact Email: abuse@godaddy.com
    Registrar Abuse Contact Phone: +1.480-624-2505
    Domain Status: clientTransferProhibited
    Domain Status: clientUpdateProhibited
    Domain Status: clientRenewProhibited
    Domain Status: clientDeleteProhibited
    Registry Registrant ID:
    Registrant Name: Khee Lan Chin
    Registrant Organization:
    Registrant Street: 45, Jalan Permas 12/9,
    Registrant Street: Bandar Baru Permas Jaya
    Registrant City: Masai
    Registrant State/Province: Johor
    Registrant Postal Code: 81750
    Registrant Country: Malaysia
    Registrant Phone: +60.60108211763
    Registrant Phone Ext:
    Registrant Fax:
    Registrant Fax Ext:
    Registrant Email: mosessc@gmail.com
    Registry Admin ID:
    Admin Name: Khee Lan Chin
    Admin Organization:
    Admin Street: 45, Jalan Permas 12/9,
    Admin Street: Bandar Baru Permas Jaya
    Admin City: Masai
    Admin State/Province: Johor
    Admin Postal Code: 81750
    Admin Country: Malaysia
    Admin Phone: +60.60108211763
    Admin Phone Ext:
    Admin Fax:
    Admin Fax Ext:
    Admin Email: mosessc@gmail.com
    Registry Tech ID:
    Tech Name: Khee Lan Chin
    Tech Organization:
    Tech Street: 45, Jalan Permas 12/9,
    Tech Street: Bandar Baru Permas Jaya
    Tech City: Masai
    Tech State/Province: Johor
    Tech Postal Code: 81750
    Tech Country: Malaysia
    Tech Phone: +60.60108211763
    Tech Phone Ext:
    Tech Fax:
    Tech Fax Ext:
    Tech Email: mosessc@gmail.com
    Name Server: NS1.CHAVESNET.COM
    Name Server: NS2.CHAVESNET.COM
    DNSSEC: unsigned
    URL of the ICANN WHOIS Data Problem Reporting System: http://wdprs.internic.net/
    Last update of WHOIS database: 2013-11-29T03:00:00Z

  22. Charm Buffe

    Here Sir, can you do some research on this…i really want to know who really own swa…and definitely prove that they are big B.S…information below is from whois

    Domain Name: SWAULTIMATE.COM
    Registry Domain ID: 1702260556_DOMAIN_COM-VRSN
    Registrar WHOIS Server: whois.godaddy.com
    Registrar URL: http://www.godaddy.com
    Update Date: 2013-01-25 11:55:04
    Creation Date: 2012-02-14 21:24:37
    Registrar Registration Expiration Date: 2014-02-14 21:24:37
    Registrar: GoDaddy.com, LLC
    Registrar IANA ID: 146
    Registrar Abuse Contact Email: abuse@godaddy.com
    Registrar Abuse Contact Phone: +1.480-624-2505
    Domain Status: clientTransferProhibited
    Domain Status: clientUpdateProhibited
    Domain Status: clientRenewProhibited
    Domain Status: clientDeleteProhibited
    Registry Registrant ID:
    Registrant Name: Khee Lan Chin
    Registrant Organization:
    Registrant Street: 45, Jalan Permas 12/9,
    Registrant Street: Bandar Baru Permas Jaya
    Registrant City: Masai
    Registrant State/Province: Johor
    Registrant Postal Code: 81750
    Registrant Country: Malaysia
    Registrant Phone: +60.60108211763
    Registrant Phone Ext:
    Registrant Fax:
    Registrant Fax Ext:
    Registrant Email: mosessc@gmail.com
    Registry Admin ID:
    Admin Name: Khee Lan Chin
    Admin Organization:
    Admin Street: 45, Jalan Permas 12/9,
    Admin Street: Bandar Baru Permas Jaya
    Admin City: Masai
    Admin State/Province: Johor
    Admin Postal Code: 81750
    Admin Country: Malaysia
    Admin Phone: +60.60108211763
    Admin Phone Ext:
    Admin Fax:
    Admin Fax Ext:
    Admin Email: mosessc@gmail.com
    Registry Tech ID:
    Tech Name: Khee Lan Chin
    Tech Organization:
    Tech Street: 45, Jalan Permas 12/9,
    Tech Street: Bandar Baru Permas Jaya
    Tech City: Masai
    Tech State/Province: Johor
    Tech Postal Code: 81750
    Tech Country: Malaysia
    Tech Phone: +60.60108211763
    Tech Phone Ext:
    Tech Fax:
    Tech Fax Ext:
    Tech Email: mosessc@gmail.com
    Name Server: NS1.CHAVESNET.COM
    Name Server: NS2.CHAVESNET.COM
    DNSSEC: unsigned
    URL of the ICANN WHOIS Data Problem Reporting System: http://wdprs.internic.net/
    Last update of WHOIS database: 2013-11-29T03:00:00Z

  23. Charm Buffe

    Here Sir, can you do some research on this…i really want to know who really own swa…and definitely prove that they are big B.S…information below is from whois

    Domain Name: SWAULTIMATE.COM
    Registry Domain ID: 1702260556_DOMAIN_COM-VRSN
    Registrar WHOIS Server: whois.godaddy.com
    Registrar URL: http://www.godaddy.com
    Update Date: 2013-01-25 11:55:04
    Creation Date: 2012-02-14 21:24:37
    Registrar Registration Expiration Date: 2014-02-14 21:24:37
    Registrar: GoDaddy.com, LLC
    Registrar IANA ID: 146
    Registrar Abuse Contact Email: abuse@godaddy.com
    Registrar Abuse Contact Phone: +1.480-624-2505
    Domain Status: clientTransferProhibited
    Domain Status: clientUpdateProhibited
    Domain Status: clientRenewProhibited
    Domain Status: clientDeleteProhibited
    Registry Registrant ID:
    Registrant Name: Khee Lan Chin
    Registrant Organization:
    Registrant Street: 45, Jalan Permas 12/9,
    Registrant Street: Bandar Baru Permas Jaya
    Registrant City: Masai
    Registrant State/Province: Johor
    Registrant Postal Code: 81750
    Registrant Country: Malaysia
    Registrant Phone: +60.60108211763
    Registrant Phone Ext:
    Registrant Fax:
    Registrant Fax Ext:
    Registrant Email: mosessc@gmail.com
    Registry Admin ID:
    Admin Name: Khee Lan Chin
    Admin Organization:
    Admin Street: 45, Jalan Permas 12/9,
    Admin Street: Bandar Baru Permas Jaya
    Admin City: Masai
    Admin State/Province: Johor
    Admin Postal Code: 81750
    Admin Country: Malaysia
    Admin Phone: +60.60108211763
    Admin Phone Ext:
    Admin Fax:
    Admin Fax Ext:
    Admin Email: mosessc@gmail.com
    Registry Tech ID:
    Tech Name: Khee Lan Chin
    Tech Organization:
    Tech Street: 45, Jalan Permas 12/9,
    Tech Street: Bandar Baru Permas Jaya
    Tech City: Masai
    Tech State/Province: Johor
    Tech Postal Code: 81750
    Tech Country: Malaysia
    Tech Phone: +60.60108211763
    Tech Phone Ext:
    Tech Fax:
    Tech Fax Ext:
    Tech Email: mosessc@gmail.com
    Name Server: NS1.CHAVESNET.COM
    Name Server: NS2.CHAVESNET.COM
    DNSSEC: unsigned
    URL of the ICANN WHOIS Data Problem Reporting System: http://wdprs.internic.net/
    Last update of WHOIS database: 2013-11-29T03:00:00Z

  24. Charm Buffe

    and also here's the IP of swaultimate.com
    198.1.117.158 United States Utah Provo Unified Layer

  25. Charm Buffe

    i proved na scam sila…i want to expose them in the media…para matigil na panloloko nila…blinock na nila ako sa pagcocomment sa page nila and this jayson villavicencio also blocked me from his facebook account after threatening him na irereport ko sya sa BIR…hahaha…https://www.facebook.com/SupremeWealthCompany

  26. Howard Chan

    Hi po.. me too i was blocked by a lot of SWA pages.. i was even bashed though i am being diplomatic about it.. what's frustrating is they delete comments pag natatalo cla (as u can see on this blog alone, FB counter says there are 25+ comments but we only see several kasi they deleted their comments).. nwei, i've also contacted several gov't agencies para matignan ito.. also contacted some staff of some senators pero busy ata cla.. this would be a good topic in a senate inquiry.. i'm planning to make a campaign.. "Make SWA famous".. para pag napansin cla ng senate eh maimbestigahan cla, SWA and similar online scams.. I'll post it later.. hehe..

  27. Howard Chan

    i did see a blog post from somewhere supporting your post above.. swa is not solely owned by chaves daw.. that there's a group of notorious ponzi schemers abroad who are funding this kind of business in third world countries kasi mas madali mambiktima dito kesa sa ibang bansa (notice how online scams like this flourish here but not in the more progressive conutries)..

  28. Charm Buffe

    and also yung picture na ginamit nila as image daw ng office nila sa belize ay dito galing http://www.immarbe.com/intro.html
    tapos marami din dung nagoopisina pero hidni nila sinasabi kung anong floor/room sila…haaay

    1. Vigilante

      grabe, ngayon ko lang nakita to ah.
      pa Belize Belize pa sila. hahaha
      Thanks Charm

  29. Howard Chan

    Charm Buffe wow.. thanks for the link.. the evidence is mounting!

  30. Paolo Yacyalac

    Thank you for posting this. It's nice to know someone actually did some research behind this easy-to-get-rich scheme. And by the way, I totally agree with what you said. I would rather join Avon or Tupperware, hahaha!

  31. Paolo Yacyalac

    Howard Chan, Can't wait to hear what Madam Miriam would be saying about this.

  32. Howard Chan

    Scammer ka daw Jay-ar Bautista.. http://www.youtube.com/watch?v=2JMwYJ4WqYc hehe

    1. Vigilante

      All SWA members who was able to recruit can already be called SCAMMERS
      because they defraud people to join an illegal / scam company.

  33. Swa Jay-ar Bautista

    Howard Chan kahit ano pang sbhn nyo wla pa rn mkkacra sa kgandahan ng SWA Online Business, bsta ako proud to be SWA member. wla lang kyo mgawa sa buhay kya nyo cncraan ang SWA at tska sa tingin ko Mga Negative kyong tao. 100% Paying ang SWA ok? kya kht ano po gawin nyo wlang mngyyari.

  34. Charm Buffe

    Swa Jay-ar Bautista we make sure na may mangyayari…and you'll get busted…sorry na lang kung pagiging positive lang naman mas positive kami kasi hindi kami kumakapit sa illegal…

    1. pinky

      and what would you get by exposing swa….siguro frustrated swa kalang at dika kumita…i would say hindi lahat ng nagtatax ay legal at hindi lahat ng paying tax ay matitino…like lawyers they are hired to tell lies un criminal kaya nilang pawalan sala bcoz of lies and big pay…may mga recruitment agencies who are paying taxes but recruiting illegally kaya nilang magsmuggle ng DH to a certain country pero iba ang destination…at ang swa meron bang inagrabyadong tao…..magkano langp uhunan ng isang tao in order to be a member only 2500php wala kang uutangin na product to sell and u don’t need big amount of money to buy ur stocks at pag wala kang pera wala kang ibebenta like avon, royale, tupperware and the likes kelangan mo din ng downlines dito same with swa the good thing with swa is that u will only spend 2500 and that’s it…it’s up to the person to generate his own earnings…wala kang utang na dapat takbuhan like other companies…only tax? huh it is just a front i tell u….to evade legal problems…at saan napupunta ang tax sa pork barrel at ang nakikinabang lang ay un may access….and u consider that legal?

    2. nadd

      tang ina mo ka……nd kaba nag cycle?kaya ganyan bunganga mo putakte?

    3. Vigilante

      MAS TANG-INA MO KA NADD! GAGONG SCAMMER!

  35. Charm Buffe

    Here oh…yung "CEO" ng swa…may site pala sya…
    Domain Name: CHAVESNET.COM
    Registry Domain ID: 536205957_DOMAIN_COM-VRSN
    Registrar WHOIS Server: whois.godaddy.com
    Registrar URL: http://www.godaddy.com
    Update Date: 2012-08-11 04:54:57
    Creation Date: 2006-07-30 08:32:57
    Registrar Registration Expiration Date: 2014-07-30 08:32:57
    Registrar: GoDaddy.com, LLC
    Registrar IANA ID: 146
    Registrar Abuse Contact Email: abuse@godaddy.com
    Registrar Abuse Contact Phone: +1.480-624-2505
    Domain Status: clientTransferProhibited
    Domain Status: clientUpdateProhibited
    Domain Status: clientRenewProhibited
    Domain Status: clientDeleteProhibited
    Registry Registrant ID:
    Registrant Name:
    Registrant Organization: Franco Renato Chaves
    Registrant Street: Daffodil St., Sun Valley
    Registrant City: Paranaque
    Registrant State/Province:
    Registrant Postal Code: 1700
    Registrant Country: Philippines
    Registrant Phone:
    Registrant Phone Ext:
    Registrant Fax:
    Registrant Fax Ext:
    Registrant Email: nocontactsfound@secureserver.net
    Registry Admin ID:
    Admin Name:
    Admin Organization: Franco Renato Chaves
    Admin Street: Daffodil St., Sun Valley
    Admin City: Paranaque
    Admin State/Province:
    Admin Postal Code: 1700
    Admin Country: Philippines
    Admin Phone: +1.028220544
    Admin Phone Ext:
    Admin Fax:
    Admin Fax Ext:
    Admin Email: chavesnet@gmail.com
    Registry Tech ID:
    Tech Name: YahooDomains TechContact
    Tech Organization:
    Tech Street: 701 First Ave.
    Tech City: Sunnyvale
    Tech State/Province: California
    Tech Postal Code: 94089
    Tech Country: United States
    Tech Phone: +1.6198813096
    Tech Phone Ext:
    Tech Fax:
    Tech Fax Ext:
    Tech Email: domain.tech@yahoo-inc.com
    Name Server: NS1.CHAVESNET.COM
    Name Server: NS2.CHAVESNET.COM
    DNSSEC: unsigned
    URL of the ICANN WHOIS Data Problem Reporting System: http://wdprs.internic.net/
    Last update of WHOIS database: 2013-11-29T10:00:00Z

  36. Jojo Aces Hernandez

    Tama SCAM ang SWA! (y)
    SURE
    CASH
    ANG
    MATATANGAP

    1. Vigilante

      isang kagaguhang sagot , mula sa isang gagong scammer.

  37. Paolo Yacyalac

    I found a similar blog about your analysis with SWA. You might wanna read it: http://www.auxbreak.com/supreme-wealth-alliance-scam/

  38. Howard Chan

    did you even read the article? and do you think by posting a comment like the one you posted now makes SWA more credible? will that make your business more credible? tsk tsk

  39. Lhai La Lai

    SUPREME WEALTH ALLIANCE PHILIPPINES INCORPORATED IS ON PROCESS…. TANONG TANONG DIN PAG MAY TIME… NGUMANGA NALANG KAYO SA MGA PASABOG NG SWA… salamat sa mga negatrons dahil sa inyo lalong nagiging matatag ang SWA..we keep ignoring negative people like you guys kasi mga positive kami kaya wag kayong mgataka kung nabloblock kayo… =)

  40. Inin Lachica Manarang

    Hay nako.. sa dinami dami ng networking companies na naglipana ngayon SWA talaga ang napili nyong pag aksayahan ng oras.. isa pa.. alam nyo wala kame kahit isa pinilit mag join dito.. bago kame nag join dito alam na nmanlahat yang mga pinagsasabe nyo.. kaya kahit ano pang blog gawen nyo madame parin ang sasali samin.. at kaya kami nag block ng mga negative comments sa swa business nmin yun ay dahil ayaw nming mahawaan pa kame ng mga negative people na katulad nyo.. kahit ano pang gawin nyo patuloy na mamamayagpag ang swa sa itaas.. dahil alam namin madame pang matutulungan ang negosyo nato . We dont care s mga pinag sasabe nyo na mawawala din ang swa..dahil wala namang permanente sa mundo..tao nga nawawala negosyo pa kaya?? Isa lang ang hindi mawawala.. yun ay yung mga values at skills na natutunan namin sa loob ng swa library at ebooks namin…

  41. Inin Lachica Manarang

    Oo tama.. ayaw lang naten mapalibutan ng negative people. Nakakasira lang sila s negosyo.. haha

  42. Inin Lachica Manarang

    I agree with that partner.. haha. MABUHAY ANG SWA !!

    1. Vigilante

      IT WILL DIE A NATURAL DEATH
      A PATH ALL SCAM COMPANIES WILL GO

  43. R Victor Lupdag

    ilan n nabenta niyo ebooks ma'am? ma'am kya nga po blog e. hnd nman ito batas n kelangan pniwalaan. wag k mxado paapekto. may foundation nman ung post ni howard chan. kya kpanipaniwala. sbgay nga nman pwede p dn nman kau kumita sa busness khit nd legal.

  44. Inin Lachica Manarang

    Sinabe ko lang din ung alam kong tama sir.. txaka kahit kailan hindi kami papa apekto sa mga negatibong katulad nyo.. at para po sabihin ko wala kamming kahit na anong ninanakaw o inagrabyadong tao dito.. anyway ayoko na makipagtalo pa dahil wala naman kami mapapala sa inyo.. hindi nyo alam kung gaano kadami tao ang natulungan ng online negosyo nato.. yun lang.. yoko na mag aksaya pa ng panahon.. babush.. and mabuhay kayong lahat.. dahil sa inyo lalo pang tatatag ang SWA.. pinapasikat nyo lang kami lalo… 🙂

  45. Howard Chan

    Inin Lachica Manarang Did you also read the article? ang linaw na sinabi q na it does not matter qng kumkita kayo o hindi.. kasi kikita at kikita talaga ang mga recruiters sa illegal na bagay.. mga drug pushers kumikta sa pagbebenta ng shabu di ba? so earning is out of the question.. kaya ko sinabi na illegal ang SWA ay dahil hindi ito registered at ang primary focus nito ay recruitment… gets mo na? basa basa din pag may time… hindi ung bato ng bato ng kung ano anong comment na nagpapakita lang ng inyong "narrow-mindedness" which is ironic because you people claim that you are open minded people yet you choose to ignore every valid and legal arguments we've been presenting here against SWA…

  46. Howard Chan

    Inin Lachica Manarang if you have read my earlier article here: http://howard.uberdigests.info/2013/10/31/scam-o-legit-na-networking/ i implied that SWA is just one of the first scams i am writing about.. nothing personal against SWA members.. and informing people is not a waste of time.. eh hindi rin naman kami namimilit na wag nio kami paniwalaan.. nasa inyo un.. kayo nga itong bash ng bash sa amin eh.. na mga "negatrons" kami.. and that's stupid because instead of you answering our arguments squarely, you just resorted to calling us negatrons.. ano un? wala kayo ma-argue kaya name-calling na lang??

    Again, hindi q naman sinabi na walang kumikita sa SWA d ba? nowhere in the article d b? sabi ko pa nga, malamang kumikita talaga ang SWA pero ang sabi q, illegal ito kasi hindi naman kayo rehistrado at ang pinagmulan ng kita niyo ay recruitment lamang which is bawal ayon sa art. 53 ng consumer act.. yan ang mga arguments namin na hindi niyo naman sinasagot..

  47. Howard Chan

    Thanks Paolo.. yes, hindi talaga legit na gawing capital product ang mga ebooks.. liek the article said, the PHL have no real market on ebooks in general, how much more on business ebooks like what SWA is "selling".. smokescreen lang ung mga ebooks nila to hide the real business model which is recruitment

  48. Howard Chan

    Lhai, I already responded to this in your other post, but just to make sure you did not miss it:

    so all of a sudden pina-process na incorporation ng SWA? i thought you guys are a hard-believer na hindi dapat kayo mag incorporate kasi "non-traditional corporation" kayo.. ano nangyari?

    so after all you are now acknowledging that my arguments are right.. thank you!

    Anyway, if you are really on the process of incorporating, can you tell us who your incorporators are? And what type of corporation will you be? Pakilala ng SWA na kayo ay "investment" company? What exactly are you investing on? Mahal ang capitalization ng isang foreign investment corporation.. it is about Php2.5 million.. may mga stockholders ba ang SWA? are recruiters and recruits stockholders?

    at bakit kami nganganga? (wonder what kind of an argument is that?)

    anyway, it's kind of late for you to register don't you think? tanong tanong din pag may time? eh un ung unang tanong namin tapos ang sagot nio hindi nio kelangan mag-register kasi "non-traditional company" kayo.. tas nung sabihin naming required kayo no exception ayon sa corporation code biglang sasabihin nio na on the process na? ano to? lokohan? this just shows you guys are inventing answers just for convenience.. i doubt if SWA will really register kasi hindi niyo majujustify ang business model niyo..

  49. Lhai La Lai

    sorry mr. chan kc ngaun lang ako nainform na on process na cya… at mr. chan ibig sahihin mo ba sabihin ang AMAN group ay hindi scam kasi nakaregister sila sa SEC at DTI? ang pag kakaalam ko kc kapag sinabi mong scam ay kapag nangongolekta k ng pera at hindi mo na binabalik.. at kung hindi man kami agad nakaregister sa SEC hindi lang naman siguro kami ang business na late ang registration dba?

  50. Howard Chan

    Lhai La Lai pakibasa po ang article ulit.. di po ba sinabi q na isa lang dahilan ang di pag register ng SWA as a corporation qng bakit siya illegal. sinabi q din sa article na kahit mag-resgister ang SWA, illegal pa din xa qng hindi niya papalitan ang kaniyang business model na labag sa article 53 ng consumer act..

    sinabi q din na oo, maaring kumikita ang swa at mga miyembro nito pero hindi ibig sabihin na legal ito. ginawa q pa ngang example ang pagbebenta ng drugs di ba? sabi q, kumikita ang mga pushers sa pagbebenta ng shabu, pero that does not make selling shabu legal. di po ba?

    sinabi q din na scam ang aman di b?

    at hindi mo pa sinagot ibang mga tanong q qng paano magreregister ang SWA, qng nainform pala kayo na magreregister xa, eh dapat alam nio qng as what company, di po ba.. kasi qng hindi nio alam eh di ibig sabihin pumapasok kayo sa isang business na hindi nio lubusang kilala, di po ba?

    isa pa, malinaw naman sa article q ang mga dahilan qng bakit scam ang swa.. hindi lang naman dahil sa isang dahilan lang kesho hindi nababalik ibang pera ng ibang recruits, which is amenado naman kayo na hindi lahat kumikita sa swa.. sinabi q na isa sa mga dahilan qng bakit kayo illegal ay dahil sa lack of registration nio at dahil sa focus nio sa recruitment.. which is bawal nga po ayon sa batas.. ni hindi nio nga eto madeny..

    qng ipagpipilitan nio mga ebooks nio, pwes, imposibleng mabenta ang ebooks nio dahil hindi nio naman talaga ito ibinebenta.. parang incidental free package lang xa para sa mga new recruits.. qng gumawa nga kayo ng sales pitch ni hindi nio nga sinasabi qng anu-ano ang mga ebooks na ito.. sabi nio lang "we have 2500+ business ebooks".. ano un? ganun ba ang magbenta.. hindi ba't kung magbebenta ka eh, sasabihin mo lahat ng specs ng binebenta mo para malaman ng customer ang kaledad ng producto.. pero kayo, hindi eh.. kasi ang mga spiel niyo eh.. "gamit lang ang facebook, kikita ka na" – mga tipong ganunbg spiel.. anu un? hindi ba't malinaw na recruitment lang un at hindi ebook selling?

  51. Lhai La Lai

    Upcoming Supreme Wealth Alliance (SWA) Philippines Corporation
    31 Jul 2013/0 Comments/in News /by Marty John Pido

    Great news to Pinoy SWA members — an SWA Philippines corporation is currently in the process of being incorporated. This means that all Supreme Wealth Library purchases by residents living in the Philippines shall be under the jurisdiction of the local company, and thus, also under the jurisdiction of the Philippine government.

    Upcoming Supreme Wealth Alliance (SWA) Philippines Corporation

    The advantages for this new development are numerous. For one, all local bank accounts (BDO, BPI, PNB, UnionBank) as well as all local remittances (M. Lhuillier, Cebuana Lhuillier, LBC) will be under the name of the corporation and no longer under the name of a person. This removes doubts and questions as to why payments are being forwarded to a person and not to a company. Second, because SWA Philippines will become an entity under the jurisdiction of the local Philippine government, more Filipinos will be confident to openly promote SWA in the country and more Filipinos will feel safe to join SWA. Third, local official SWA paraphernalia may become available to Philippine members such as ID cards, privilege cards or coupons, and even actual bank cheque commissions.

    Transactions outside of the Philippines will still primarily be under the jurisdiction of our main SWA corporation that is registered in Belize, unless some countries develop their own local SWA company which will be officially recognized by SWA, such as the one in our next article…

    1. Ronald S. Cayabyab

      2011 ko pa tinanong po ang Incorporated ng SWA, kahit January 10, 2014… Wala pa rin,

      1. Mhar

        Lets’ JOIN NOW sa SWA pra makita mo ang cnasabi mo.. hindi po tatagal ang business nato kung walang nainiwala cguro POSER kayo ha, ha, isa kayp mga gustong magpabagsak sa SWA! alm nyo ba na VIRAL at TRENDING ang SWA at CAR PROMO ngaun ang SWA alam nyo ung mga nagrereklamo jan mga POSER kayo hinahamon kayo ngaun ni sir JEFF FEREZ na mag reklamo kayo sa bataws ung mga hinahanp nyong iyan eh nai submit na namin sa kinauukulan! bakit namin ipakikita sa inyo ang mga Legalities namin eh mga POSER kayo ayt mga NEGATROS nmn kayo at gustong magpa bagsak sa SWA! mag inquire ka sa salin ipakikita ko sa iyo POSER he, he,,

        1. Howard Chan (The Student)

          basahin mo sagot ko kay boss mong swa jeff perez. sabi ko dun hindi ako biktima kaya di ako pwede magdemanda. kung gusto nio ako na lang idemenda nio kung feeling nio na-libel ko kayo. haha.. para maungkat sa kaso ang legality ng swa. truth is my defense.

          wla kayong legalities. at yang sinasabi mong sinubmit nio na mga legal documents nio ay kasinungalingan. Alam mo bang may website ang SEC? Qng nagsubmit na kayo doon, ibig sabihin ay dapat nasa listahan na kayo ng legitimate businesses sa website ng SEC (see article above for the SEC link). Eh bakit wala kayo doon? Isa pa, bakit hindi nakapost sa website ng SWA ang AOIs at by-laws niyo? Alam mo ba qng ano AOI at by-laws? baka hindi kasi baka hindi mo pa alam qng ano ang mga legal documents na dapat niong pinapaskil. ha! #swaSCAM

  52. Howard Chan

    Lhai La Lai this tells us nothing.. i even pulled up the link where you got it: http://www.supremewealthallianceultimate.net/upcoming-supreme-wealth-alliance-swa-philippines-corporation/

    anong buwan na ngayon bakit hindi pa tapos? eh drafting lang naman ng AOI and by-laws kelangan plus pagbabayad ng capitalization which is for SWa abt Php2.5 million? lip service lang ang article above from SWA.. smh.. di mo pa rin sinagaot mga tanong ko.. bakit di sinabi qng sino mga incorporators? takot ang SWA na malaman qng sino mga tao behind it?

    at bakit parang screenshot ng certification from SEC ang nakalagay sa link above? ibig sabihin may naissue sa inyo na certification? weh? o ginawa nio un kunyare para may ma-flash lang sa mga hindi nag-iisip na recruits? i'm referring to this image: http://swaultimate.com/images/SWA_SEC.jpg

    that's falsifying a public document.. kasi swa is purporting that the screenshot is a legit document of a certification from SEC.. (which is supposedly hindi pa naissue kasi sabi nio nga on the process) – pero bakit gumawa kayo ng screenshot ng isang allged certification? that is very dubious indeed!

    at any rate, kinain niyo rin ung pinagpipilitan niong argument na hindi nio kelangan magregister dahil "non-traditional company" kayo.. haha!

    at ang bagal ng registration niyo.. malamang hindi talaga kayo nagreregister, kasi qng talagang on the process, dapat nasa "reserved list" na sa SEC website ang corporate name na SWA.. pero wala eh.. which means hindi talaga kayo on the process.. at lip service article lang yang pinagsasabi niyong "on the process" na yan.. hindi naman ganun katagal ang registration ng isang corporation

  53. Miko Mendoza

    Nice job for doing this article. Keep up the good work.

  54. Charm Buffe

    Inin Lachica Manarang hindi ka nagpapa apekto bakit ka pa nagrereply…ediba one way of expressing affection is by responding??haha you are so funny!

  55. DJ•Ѕїорао Иан Маяоои

    I find it funny . the man Reden CaquistaRiyadh, of Saudi Arabia http://www.supremewealthallianceultimate.net/testimonials/

    is the same person and pictures here http://www.power3ricenetwork.com/index.html with a different caption.

  56. Ѕїорао Иан Маяоои

    I find it funny . the man Reden Caquista of Riyadh Saudi Arabia http://www.supremewealthallianceultimate.net/testimonials/

    is the same person and pictures here http://www.power3ricenetwork.com/index.html with a different caption.

  57. DJ•Ѕїорао Иан Маяоои

    I find it funny . the man Reden Caquista of Riyadh Saudi Arabia http://www.supremewealthallianceultimate.net/testimonials/

    is the same person and pictures here http://www.power3ricenetwork.com/index.html with a different caption.

  58. Howard Chan

    Hi DJ, will look into that too! 🙂 Thanks!

  59. Inin Lachica Manarang

    Hehe kayo nga nakakatawa ee.. okay tulad ng sabe ko yoko na magsalita pa.. mga inggit lang kayo s SWA at saming mga SWA MEMBER kaya kung ano anong ka echusan pinagsasasabe nyo.. kung ayaw mo mag join edi wag.. hindi kayo kawalan at hindi namin kailangan ung mga taong ganyan ang pag iisip.. dahil bawal paranoid dito.. ok?

  60. Howard Chan

    Inin Lachica Manarang anong klaseng argument yan??? u think inggit kami? you never even raised any substantial argument to support the validity of SWA and then you come here judging people… you just say our arguments are mere "kaechusan" yet never even provided any argument to prove your point.. dear, that's not how we argue facts..

    1. ciluzvi

      sir howard chan siguro may ng bayad sa inyo para mgaksaya kau ng panahon para gawin ang blog n to why not isumbong nio nlng kay pinoy kung scam nga ang swa nakaklungkot po ang mga ginagawa nio punong puno po kau ng negative sa utak at katawan nio..its so really sad sabagy d k mgaaksaya ng ganyan kung ndi ka po bnyaran????ryt?? ndi nmn po pla kau member at ndi nmn po kau na scam ng swa? bakit po ganyan kau kung mgberada ?????? its big question mark mas maganda po gawin nio direct nio kausapin ang pinono ng swa sir kiko o sir chaves harapin nio sila face to face kung tlga po concern kau sa mga swa members d po b???direct the people the founder para po d n po kau ngkakalat beside d nio po kayang ilabas kung sinu kayo u dont even have a picture??? cge nga po para po mas makampanti po kau at ng lahat:) Godbless u more po.. please direct the mean person behind this swa…

  61. Inin Lachica Manarang

    Hayaan mona sila partner lhai la kasi hindi naman tayo aasensk sa mga yan.. stress lang abutin natin sakanila.. importante naman diba alam natin sa sarili natin na wala tayonh ginagawang masama.. kumpara sakanila na walang ginawa kundi mambatikos at mambintang na akala mo abogado sa pinagsasabe.. kahit naman ipa pulis nila tayo ibabasura lang ung reklamo nila dahil wala naman kahit isang swa member ang nagsabe na scam ang swa.. madame sila sinasabe dahil wala naman sila sa negosyo natin kaya wala silang alam… malamang mga inggit lang yang mga yan o baka isa sila sa mga Loser na naging member ng nag fail n MLM dati ni sirchaves .. yaan natin sila sis.. dito sila masaya ee.. maging masaya nalaang tayo para sakanila..

    1. chandz

      more than 60k members ang SWA around the globe and they still get paid.. real income… real money

      take note SWA is on the top listed NETWORK MARKETING in the PHILIPPINES
      see the site :>>> http://www.affordablecebu.com/load/business/top_network_marketing_companies_in_the_philippines_mlm/6-1-0-121

      SALI keo minsan sa group page ng mga ONLINE BUSINESSES then only you will find out which one is the real SCAM… isip2 din minsan kapag may time

      1. Howard Chan (The Student)

        Chandz.. please read the article… ang linaw dun na sinaad ko kung bakit hindi porke kumikita sa mlm eh legal na agad ung business.. basa basa din pag may time…

  62. Howard Chan

    Inin Lachica Manarang u are missing the point.. and your comment is just an admission that Chaves did scam people before.. so what makes you think he's not scamming you right now?? and why call us losers?? that the best you can do?? call people names when you can't argue your case? we presented some legal basis why we call your business illegal, you never countered those.. all you are saying is we are "negative" people.. but other than that, you've never really proven anything to support the legality of your business.. and you saying no swa member ever called you a scam is a lie.. of course pag may nagsabi ng ganyan sa facebook page niyo dinidelete nio naman agad.. that's why we have blogs like this to destroy the online scams like SWA.. and so far none of you SWA scammers have ever presented any convincing evidence to make us believe you are legit..

  63. Charm Buffe

    Inin Lachica Manarang maiinggit? for what eh for sure naman ako na mas mayaman ako kesa sayo…and the fact na nagbabasa ka ng blog na about sa swa na katulad nito edi ibig sabihin naghahanap ka din ng katotohanan about sa sinalihan mo…you are really funny..hahahaha

  64. Goodluck Juan

    Inin Lachica Manarang, we're waiting for an answer. Please reserve the bashing and name-calling after you provided the answer. Di ba sa NBA sarap na sarap na mag-trashtalk ang mga player after making a dunk.

  65. Goodluck Juan

    SWA Logic:

    If you cannot convince them, confuse them.

  66. janez

    Hi. im janez. I join SWA for their glittering post but now after reading and learn many things SWA IS DEFINITELY A SCAM. I made a fool of myself but I wont let anyone else get scam again. yes Romel DELA CRUZ AGUAS known as 4th millionaire of SWA BLOCKED my facebook after I confront him.

  67. James

    For your reference:
    http://supremewealthallianceultimatereview.blogspot.com.au/2012/02/mlm-review-supreme-wealth-alliance.html

    http://www.youtube.com/watch?v=kULraSy67FU
    http://www.youtube.com/watch?v=WIZU0aZb4g4

    Madami ng MLM na ginawa owner ng SWA. Kapag hindi pumatok. Magtatayo ng bago. Mga leaders dati niya sa http://www.infinitysupreme.com :

    https://www.facebook.com/rach.david

    https://www.facebook.com/kvcatalan

    Iniwan siya dahil sa illegal na gawain na kapag hindi successful magpapalit ng pangalan tapos magrerecruit ulit.

    Itanong nyo sa dalawang leaders na yan kung bakit.

    Ngayon, swerte yung SWA kasi pumatok maski ang produkto palpak. Tao tao ang kitaan.

    Ang tanong ko.. nagbabayad ba ng tax SWA?

    1. Howard Chan (The Student)

      salamat james! definitely hindi nagbabayad ng tax ang swa dahil hindi sila registered sa SEC.. sa computation q, base sa 25k na member nila (ayun din sa kanila), at least P35M na ang kinita ng swa.. qng 30% ang normal tax sa isang corporation, about P10.5 million na tax ang hindi binayaran ng swa…

  68. michael calilan

    Hello mga sir at madam,napansin ko sa mga timeline ko araw araw sa facebook puro mga post ng swa menbers na aking kaibigan at kamag-anak,gusto ko silang comprontahin abot this but nag-aalangan ako na sabihan sila..minsan naiinis na rin ako sa dami ng spam ng swa sa FB wall ko…

    But, I have a big question mark in my head,bakit lahat ng mga networking company ay sa Pilipinas ang origin kasi alam nila na ang mga Pilipino madaling mauto kasi karamihan sa lahi natin gusto yung yumaman agad dahil sa nararanasang kahirapan…

    Bro Howard,sarado ang isipan ng mga taong iyan na tanggapin ang katotohanan na involve sila sa mistake nila at ang masaklap pa jan,alam na nga nilang mali na..mag-aakay pa sila ng kasama….

    Ako,nainvolve din sa marketing business,,sa totoo lang,ang hirap magpromote ng mga produccts,,kasi ibibigay mo lahat yung lahat ng details ng product na ibebenta mo…

    Ay naku..kaaya nga sa pinas sila nambibiktima kasi madami silang malilinlang..totoo yung isang comment nuon na itry kaya nila iyang business scheme nila sa mga first world countries…?

    1. Howard Chan (The Student)

      Bro Michael, un nga ang ironic eh.. qng nagrerecruit sila sinasabi nila na dapat maging open minded, pero pag sabihan mo silang illegal or scam ung business nila, sila naman bigla ang hindi open minded… they immediately dismiss the argument without even looking into the details para ma-scrutinize nila business nila…

  69. Maggie

    Thanks for doing the research and posting it, I hope this can enlighten the gullible Filipino. Dahil kasi sa kahirapan or quick get rich scheme daming umaasa na bubuti kalagayan nila pero mas lalo lang silang malulunod sa mga ganyang scheme.

    Sa mga kumikita na sa SWA at pilit ipinagtatangol na legal ito, oo nga kumukita kayo ngayon, paano naman ang marerecruit niyo at marerecruit nila, walang guarantee na kikita sila. Konsensya na lang yan….well pero madami ng kinakain na lang nila ang konsensya nila.

  70. walmart coupon codes

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  71. Ramon Licup Lara Jr.

    Inin Lachica Manarang dame nio na scam na tao noh? wala naman mali sa ginagawa nio, it just that your getting money of other para lng kumita kayo, its practically against the "law" you can get sued for money laundering, khet member ka, why? kse you were the one who recruited/promoted the business eh. so careful guys, i have a friend, 3months na siya, wala sia kinita, wala spill over, in other words, pinerahan lng siya nun isang tao. tahats bad. so careful..you wouldn't exchnage 6month-6year just for 2500?

  72. Ramon Lara

    dame nio na scam na tao noh? wala naman mali sa ginagawa nio, it just that your getting money of other para lng kumita kayo, its practically against the “law” you can get sued for money laundering, khet member ka, why? kse you were the one who recruited/promoted the business eh. so careful guys, i have a friend, 3months na siya, wala sia kinita, wala spill over, in other words, pinerahan lng siya nun isang tao. tahats bad. so careful..you wouldn’t exchnage 6month-6year just for 2500?

  73. Lhai La Lai

    OK mr. chan iupdate mo kmi sa sasabihin ng senado sayo… =) good luck!!

  74. Howard Chan

    oo.. meanwhile, bilangin nio na masasayang araw nio mga scammers kayo

  75. Lendel Fajardo

    Howard Chan haha, may malaking argument dun na pinag-commentan ko XD
    shit di nila matanggap na scam e

  76. Lendel Fajardo

    Milo Cuevas ayan o pakibasa ng buo

  77. Lendel Fajardo

    Swa Erwin Perez

  78. Lendel Fajardo

    pakibasa yan Swa Erwin Perez asap

  79. Diane

    No such thing as easy money, ika nga. Thank you for this post. 3 people have tried recruiting me on this thing. It’s just too good to be true. Commissions from eBooks are only a few dollars, minsan pa nga cents lang. I know because I’ve handled various affiliate accounts of my clients (as a VA) kaya sobrang kakapagtaka talaga na ganun kalaki kinikita nila.

    I’ve even asked one recruiter, “Kung eBooks lang ang product nyo, pano kayo mababayaran ng ganyan kalaki?” And her response was, “Bawal ang nega. Try mo, para makita mo.” I mean, diba, you can’t sell something you don’t know.

    Anyways, thank you for this post. Sharing it to warn others. I suggest share din ito ng mga naniniwala sa write up na to.

    1. Howard Chan (The Student)

      Hi Diane,

      Thank you for supporting the article. Anyway, swa members know very well they can’y earn from selling ebooks. They know their ebooks aren’t the marketable ones. They merely rely on recruitment as their source of income – which is against the law particularly against Article 53 of the Consumer Act. I’ve been telling that to SWA members and as you may have read their comments above, their reply was “kainin mo yang article na yan”.. hehe..

      1. .I.

        Magpulis ka na lang.. mahilig ka pala sa batas..bakit activista ka?

        isipin mo HOWEIRD CHAN, DIGITAL PRODUCTS ang minamarket.. bat kailangan pa ng
        Consumer act? tsaka wala namang sapilitan kung ayaw mo sumali wag ka sumali.. Parang qoute lang yan ee
        “Dont judge the book by its cover” sa TAGALOG, “WALA KANG ALAM” 🙂

        (pustahan tayo gumagamit ka ng torrent at nag-ddownload ng illegal = PAMIMIRATA din yun,
        SANTO ka kung hindi) 🙂

        1. Howard Chan (The Student)

          lol.. di mo binasa article no? bakit exempted ba ang mga digital products sa batas? mga websites eh digital products din naman ah pero covered xla ng batas.. basa basa din pag may time. at mali ang translation mo ng “don’t judge the book by its cover”. At dahil di mo binasa ang article tapos nagcomment ka, sino ngayon ang mas walang alam?

          Di ako santo, di ko un sinabi. At hindi un ang issue dito.

          Ang batas ay para sa lahat. Hindi lang para sa mga pulis o aktibista. Kung ayaw niyon sumailalim sa batas ng ‘Pinas, umalis kayo dito at magpalit ng citizenship. Yun lang yun. Pero hangga’t nadito kayo, sumunod kayo sa batas, mayaman man o mahirap.

  80. Steve Manila

    May kilala ako sa opisina, nung nakuha nya 13th month nag pa picture na hawak ang pera bilang pamaypay , sabay caption sa ibaba : thanks SWA , ampota… Tinae na sa states yan kinakain pa sa pinas …

  81. Patrick Ivan Abano

    i have a lot of ebooks that you say you are selling. but i never bought any of them. sheesh. materialism at it's finest. try reading the midas touch by robert kiyosaki and donald trump and i'll give you my middle finger.

  82. .I.

    nakamoderate pala ang comment walang kwenta hahah a

    1. Howard Chan (The Student)

      dami spam kaya nakamoderate.. gamitin mo Fb acct mo sa pagcocomment qng ayaw mo mamoderate.. mga bots lamang naman ang di q inaapprove ang comment.

      1. Cristylyn

        Salamat sa Blog,may nag recruit sa akin na sumali daw sa SWA,Sabi niya madali daw kumita dito,UNA po sabi nila mag advertise ka lang maka ka earn ka nang money at saka sinabi ko sa kanya is pag iisipan ko muna,nag leave po siya ng message sa akin na babayaran daw mona niya yung $55 para maka register na po ako at saka makaumpisa sa business na yan,And now nag start po ako and I asked her just to share and you earn money right? then she replied NO SIS you have to invite friend in order for you to earn money duhhh! A big scam !!! buti nalang di ko po siya napadalhan ng pera ,Pera po niya ang ginamit para pang register ko at sabi niya bayaran koo nalang daaw siya pag nakasahod si hubby,,Never na akong magpapakatanga niyang SWA na yan.

        1. GraceBee

          Good thing for you, you steered clear from this scam!

          Kaya nga aggressive sila sa recruitment because that’s probably the only way they can earn. I had a high school classmate who joined SWA and he tried to recruit one of my high school barkada. Buti naman hindi nagpadalos2x yung isa kong friend and he asked me before deciding(kasi sabi ng nagrecruit namn na classmate, pwede daw sya kumita ng 15K a month!). And then I told him if he can’t explain their type of business thoroughly and requires you to pay an up-front fee before you can learn and earn from them, then that’s a red flag. So he didn’t join kasi na-turn off din sya dahil na rin sa fee.

          At yung SWA member na classmate namin noong high school? After several months, ayun nag mascot kasi walang ma-earn kng walang recruit. tskk!

    2. JM

      Please respect my opinion also: I DON’T like your blog…. yan lang! God bless po! Sana mag successful ka sa pagiging blogger mo… 🙂

      1. Howard Chan (The Student)

        i’m not forcing you to like my blog.. and i respect whatever your opinion is. i just hope that what you have is an informed opinion and not a blind one. you hate my blog just because i wrote an expose against swa? i and other commenters here have shown you evidence why swa is a scam and why it is illegal. i just hope you don’t cast a blind eye on these evidence. you should at least examine what you believe is legit. I know some swa members acknowledge that swa is illegal but still they continue to do the swa business because they want to earn illegally. i hope you are not one of those people.

        1. Ronald S. Cayabyab

          I am against SWA… Saan po ang DTI and SEC? Ito po yung 1st requirement ng MLM Company.

  83. Jennifer Gutierrez

    Oo nga buti pa ang AVON walang nilalabas na pera. Hahaha

  84. Kate Louise Mabani

    SWA palang ang napapansin. Nakakaannoy na kasi mga posts ng members nila. -___-

  85. Thirdy Camilon

    Hahah patawa ….ehh ako member ng swa sa tagal kong member na dito ehh di nmn akonp nascam at yung ininvest ko dito triple pa ang bumalik sino kya ang walang magawa na gumawa nito hahah…patawa lang..

    1. Howard Chan (The Student)

      Thirdy, goes to show na hindi mo binasa ang article tapos comment ka ng comment.. tapos tatanungin mo qng sino nagsulat ng article na ito eh meron namang byline at author box sa hulihan ng article. Comment kayo ng comment eh hindi naman kayo nagbabasa. Ni hindi nio inintindi ang sinabi ng article… ung mga batas na nilahad ko.. mga illegal business practices ng SWA – lahat yun di mo binasa kasi close minded ka. Hindi ka open minded. open minded ka lang qng nagrerecruit. pero pag sinabihang scam/illegal ang swa, naku, wala na. Nagsara na lahat ng pintuan ng pag-iisip.

  86. Thirdy Camilon

    Kung sino man ang nagsulat nito bibigyan kita ng 10k kung mapaptunayan mo ha ang scam ang swa at kung hindi naman bigyan mo ako 20k..ano deal..baka wala kang maibigay hahah

    1. Howard Chan (The Student)

      Napatunayan ko na! May mga batas na akong nailahad na hindi sinunod ng swa. Wala pa kayong sagot doon. Mukhang may utang ka sa akin na 20k.. haha.. cge nga, paano mo sasagutin ang katotohanan na walang SEC registration ang SWA. Ang SEC registration ng isang investment corporation (yan ang pakilala ng SWA) ay kelangan ayon sa batas (Sec. 123 to 136 ng Corporation Code). Pag di xa registered sa SEC dito sa pinas, ibig sabihin hindi xa authorized na magconduct ng business sa Pinas. At qng nag conduct xa ng business without license, eh illegal na yun at labag sa batas.

      Hindi nio pwede ipilit ung business registration ng chavesnet kasi hindi niya saklaw ang isang corporation. Kumbaga ang naissue sa chavesnet ay isang business permit lamang para sa isang tradename – parang business permit para sa isang sari-sari store lang un at hindi para sa corporation.

      Hindi nio rin pwede ipilit ung stubborn argument nio na hindi kayo saklaw ng batas ng pinas kasi ginagawa nio ang business nio sa cyberspace. Walang legal na basehan yan. Bakit qng nagdownload ka ng pirated movie hindi ka na sakop ng anti-piracy law kasi ginawa mo ung pagdodownload sa cyberspace? mag-isip nga kayong mga swa members kayo!

      sabihin mo qng handa ka na magbayad ng 20k at bigay q sayo paypal address ko.. hehe

  87. Thirdy Camilon

    Research din po kayu paminsan swa is not scam….legal po ito at hindi din namin hangad na manloko

    1. Howard Chan (The Student)

      Thirdy, nakita mo naman ung mga basehan ng article ko di ba. Ang artikulong ito ay produckto ng research. Nakasaad lahat, with citations, ung mga batas na nilabag ng swa. Ikaw ang magresearch. Visit the laws cited. Inexplain q na din qng para saan ung mga batas na yun. Wag na magbulagbulagan!

  88. SWA Gabriel Astudillo

    Mga inggit lang kyo kasi kami member ng SWA kumikita ng morethan 15k in 2days. Marami na rin nakaowned na brand new car dahil lamang sa online business na ito nagdududa pa rin ba kyo, wala kyong mapupuntahan kung puro kyo duda hindi kayo aasenso nyan sayang nmn ang bagong taon kung ang naisip nyo pa rin ay scam ito HINDI DADAMI ANG MEMBER NG SWA KUNG ITO AY ISANG SCAM DAPAT LHAT NG MEMBER AY NAKULONG DAHIL NANLOLOKO SILA PERO HINDI NAKAUPO SILA SA HARAPAN NG KANILANG COMPUTER AT NAGPOPOST SILA ABOUT SWA AT KUMIKITA NG MALAKI. KUNG AYAW NYO YUNG MGA POST NMN PWEDE NYO KAMI IUNFRIEND OR BLOCK. HAPPY TO BECOME MEMBER OF SWA. HAPPY NEW YEARS SWAMILY. SWATAW NA TYO.

    1. Howard Chan (The Student)

      Gabriel, isa ka naman sa mga swa members na comment ng comment pero hindi naman binasa yung kabuuan ng article. We don’t care kung kikita man kayo o hindi (at hindi naman lahat kayo kumikita). But that’s beside the point. Ang punto ng article na ito ay ang mga paglabag ng SWA sa mga batas na nakalahad po sa article. Kabilang na dito ang mga bawal na business practices ng swa, andun din un sa article, pakibasa.

      Hindi lahat ng nagsasabing scam o illegal ang swa ay inggit sa swa. Bakit kami maiinggit sa mga kumukita sa pamamagitan ng maling paraan? ha! Yang attitude niyong yan ang nagpapakita na kayo ang mga hindi open-minded. Pag nagrerecruit kayo sabi nio dapat maging open minded, pero bakit pag sinabing illegal at scam ang swa eh biglang nagiging narrow-minded naman na kayo? marami nga sa inyo ang hindi pa binasa ung mga links sa batas na nilagay q sa article. yan ba ang open minded?

  89. Rennette Vann Salas

    tadtadrin yan ng shotgun :3

  90. James Dean

    Personally, from reading this article and looking at those so called “legitimate” proofs of SWA I could definitely say that this is a scam.

    But sad to say is that Filipinos will do anything for money.
    Mapa droga, o mapa-nakaw kahit i-scam mo pa magulang at kapitbahay mo, okay lang.

    Naging member ako ng ilang networking businesses. Some are legit, even running for years and I had always asked them for permits, papers (papers po, hindi paper lang..hindi mahabang papel na naka print ng kung ano anong kabobohan ng pinoy na nakaprint sa isang long bond, font size 8), product verfication.

    Nakapag benta na po ako dati ng mga products nila. Soaps, Powdered Drinks, Skin Care lotions, lahat na po. Door to door pa nga ako minsan, and yes kumikita ako pero matagal at mahirap. Yung iba pa nga selling by groups because its hard to convice people that this kind of stuff works. Walang branding, walang media coverage so basically common notion is delikado siya.

    Pero eBooks? Ibang usapan na po yan.

    Sabi nga ni Sir Howard Chan here, PHL has no grounds for selling eBooks. Kindle, Amazon, Google Play Store, etc have all the legitimate reasons to sell this shit because:
    1.) They are international companies
    2.) They have rights to sell as they can verify and claim copyright from authors of said books
    3.) They are verified as eBook sellers.

    And for the record, some eBooks about “business strategies” are free. Bakit ka pa sasali ng SWA kung pwede ka namang mag Google ng libro? It makes no FUCKING sense para magbayad ng 2,500 pesos as capital for such shitty products na alam naman natin na ang focus nang so-called organization ninyo is recruitment.

    Funny thing is that you guys don’t have the balls to admit na recruitment group lang kayo.
    You say na 80,000+ na members niyo? Sino mga naloko niyo? Mga pathetic shits na hindi nakapagtapos ng pag-aaral dahil sa kabobohan at kamang-mangan? Sana kasi mag aral po muna. Panay padali sa buhay, kala mo pelikula yung buhay.

    Tsaka FYI, di ako inggit sa pera ng taga SWA. I could earn that shit in 2 days. x5 niyan in a week.
    So yeah, try mong isampal sakin yang petty cash mo. Di rin ako negatron mga shits, sadyang mas magaling lang akong kumita sa mga hampas lupa sa SWA.

    Ay oo nga pala.
    17 y/o lang ako ha. Kumpara niyo naman utak at intelligence ko sa mga member ng SWA na nagbubunganga sa “yaman” nila at the age of what? 36? 42? Ulul po 🙂

    1. Ozzy

      Ha ha ha
      I like this article.
      James Dean you have a point.
      I totally agree with you.
      Bullseye!

      e-Books are FREE and there are tons of them on the net!

  91. Howard Chan

    Thirdy, goes to show na hindi mo binasa ang article tapos comment ka ng comment.. tapos tatanungin mo qng sino nagsulat ng article na ito eh meron namang byline at author box sa hulihan ng article. Comment kayo ng comment eh hindi naman kayo nagbabasa. Ni hindi nio inintindi ang sinabi ng article… ung mga batas na nilahad ko.. mga illegal business practices ng SWA – lahat yun di mo binasa kasi close minded ka. Hindi ka open minded. open minded ka lang qng nagrerecruit. pero pag sinabihang scam/illegal ang swa, naku, wala na. Nagsara na lahat ng pintuan ng pag-iisip.

    1. chalrence ativo

      mr chan, ask kulang, sa mga sinasabi moh kumita knb?

      f not anung gusto mong patunayan?

      .,.,kung ki2ta at yayaman lang din ako sa mga sinasabi mo then i assure you maki2nig nlng ako sau

      but f not, tigilan moh ang pagi2ng crab mentality……….

      alam mb kung bakit maraming taong mahirap ngayun? dahil din sa pani2wala nah tulad sau

      1. Riss

        Or more likely. Bakit madami na sscam? Cause people are so close minded like you. They don’t know the Logical bearing of legit articles that want to uncover scams if they were hit in the face.

        Just don’t do shady companies!

  92. Howard Chan

    Thirdy Camilon Napatunayan ko na! May mga batas na akong nailahad na hindi sinunod ng swa. Wala pa kayong sagot doon. Mukhang may utang ka sa akin na 20k.. haha.. cge nga, paano mo sasagutin ang katotohanan na walang SEC registration ang SWA. Ang SEC registration ng isang investment corporation (yan ang pakilala ng SWA) ay kelangan ayon sa batas (Sec. 123 to 136 ng Corporation Code). Pag di xa registered sa SEC dito sa pinas, ibig sabihin hindi xa authorized na magconduct ng business sa Pinas. At qng nag conduct xa ng business without license, eh illegal na yun at labag sa batas.

    Hindi nio pwede ipilit ung business registration ng chavesnet kasi hindi niya saklaw ang isang corporation. Kumbaga ang naissue sa chavesnet ay isang business permit lamang para sa isang tradename – parang business permit para sa isang sari-sari store lang un at hindi para sa corporation.

    Hindi nio rin pwede ipilit ung stubborn argument nio na hindi kayo saklaw ng batas ng pinas kasi ginagawa nio ang business nio sa cyberspace. Walang legal na basehan yan. Bakit qng nagdownload ka ng pirated movie hindi ka na sakop ng anti-piracy law kasi ginawa mo ung pagdodownload sa cyberspace? mag-isip nga kayong mga swa members kayo!

    sabihin mo qng handa ka na magbayad ng 20k at bigay q sayo paypal address ko.. hehe

  93. Howard Chan

    Thirdy, nakita mo naman ung mga basehan ng article ko di ba. Ang artikulong ito ay produckto ng research. Nakasaad lahat, with citations, ung mga batas na nilabag ng swa. Ikaw ang magresearch. Visit the laws cited. Inexplain q na din qng para saan ung mga batas na yun. Wag na magbulagbulagan!

  94. Anne Jacinto

    I’ve been with prev MLM before. naging trainer ako ng isang mlm company, at isa din akong kritiko. I started SWA online business Nov 20 2013, followed the system, got my pay out of P20k++, deposited to my bdo and some are converted into activation codes. SATISFIED AKO SA SISTEMA NILA.
    Uberchan, nabasa ko ang blog mo. comments ko:

    1. sabi mo “SWA is a SCAM” tanong, ano ang definion mo ng “scam”?
    2. sabi mo “SWA is a SCAM” tanong, na-“scam” ka ba ng SWA? kailan at paano?
    3. sabi mo “SWA is a SCAM” may personal ka bang kakilala na talagang napatunayan na na-scam sa SWA?

    -sa tingin ko, hindi akma ang title ng blog mo na “SWA is a SCAM” sa nilalaman nito.
    -malinaw na kulang, hindi buo, malabnaw, malapit sa “baseless” ang blog mo dahil karamihan ay personal mo lamang na palagay ang mga sinasabi mo
    -hindi ba’t mas buo ang loob mo bilang manunulat na sabihing “SWA is a SCAM” kung may personal kang karanasan rito o dili kaya ay may personal kang kakilala na naging biktima ng SWA?
    – okay na rin itong blog mo kasi at least malalaman ng mga tao na kung sino ba talaga ang “QUALIFIED” magsabi na “scam” ang isang sistema o company.

    1. Howard Chan (The Student)

      Hi Anne,

      Sa tingin ko hindi mo binasa ung article.

      Oo opinion nga ang kabuuan ng article pero hindi siya baseless. Ang basehan ko ng pagsasabi na scam at illegal ang swa ay dahil sa mga paglabag nito sa mga batas ng Pilipinas. Inilahad ko sa artikulong ito ang mga batas na nilabag na uulitin ko sa comment na ito. Ang mga batas na nilabag ay ang Consumer Act at ang Corporation Code ng Pilipinas. May links po sa article para sa mga batas na ito (or do a google search).

      Sinabi ko rin na porke kumikita ang ilan sa SWA ay hindi na ibig sabihin neto na hindi xa scam o hindi xa illegal. Meron at merong kikita sa SWA, pero marami ding hindi kikita.

      Hindi ko kelangan maging bikitma ng SWA bago ko masabi na scam ang swa. Kasi kung ganyan ang argument mo, eh di walang mananalong biktima sa korte kasi bago magbigay ng judgment ang hukom kelangan niya munang maging biktima para kapanipaniwala ang sakdal niya – ganon ang labas ng argument mo.

      Isang malaking kalapastanganan sa talino ng isang tao ang sabihing kelangang maging biktima muna ng scam bago masabing scam nga ang isang business. Pwede namang gamitin ang sariling obserbasyon at pananaliksik. Ginawa ko ang pananaliksik, nilahad ko lahat ng basehan sa article na ito. Pero hindi niyo naman tinitira nag mga basehan ko. Wala ni isa sa inyo na umatake sa batas na mga nilahad ko. Ni hindi niyo nga yata binasa ang mga batas na ito o ang maikling explanation ko tungkol sa mga batas na ito.

      Opinions based on hard facts have the color of truth. Especially if these facts presented are left unrebutted. All you guys say is “I am earning so SWA is not scam”. Again, a business does not lose its nature of being a scam simply because some of the people doing it are earning. Ang ginagawa niyong mga swa members na pag-focus sa recruitment ay isang pang-iiscam ayon na rin sa Consumer Act (Art. 53). Ang pagiging scam ay hindi nakadepende qng kumita ba o hindi ang isang tao.

      Isipin mo na lang, qng talagang hindi scam ang SWA, bakit natatakot kayong mag-advertise sa mainstream media tulad ng mga broadsheets (hind tabloid ha) at sa mga malalaking tv channels? ksai ayaw niong mapansin kayo ng kinauukulan.

      1. Bryan

        SWA – SEC – REGISTRATION #: CS201407120

        WHY SEC (SECURITIES of EXCHANGE COMMISSION) is NEEDED in SWA and DTI is not needed?

        The Department of Trade and Industry (DTI) is the Philippine government agency that governs the registration of business names in the Philippines.
        > If you’re business is in the form of single proprietorship, a DTI registered business name is one of the important requirement to be able to register your business with the Mayor’s Office and Bureau of Internal Revenue (BIR).

        For corporations and partnership form of businesses, their Securities and Exchange Commission (SEC) registration is already sufficient for their trade name. However, many incorporators and partners are still registering their trade name with the DTI to ensure that their names will not be used by others.

        What a crap and garbage BLOG… I have read your post PYRAMID SCHEME are ILLEGAL? Is the message is correct? RA7394 http://www.lawphil.net/statutes/repacts/ra1992/ra_7394_1992.html

        Republic of the Philippines
        Congress of the Philippines
        Metro Manila

        Eighth Congress

        Republic Act No. 7394 April 13, 1992

        THE CONSUMER ACT OF THE PHILIPPINES

        TITLE I. – GENERAL PROVISIONS

        Article 4. Definition of Terms. – For purposes of this Act, the term:

        k) “Chain distribution plans” or “pyramid sales schemes” means sales devices whereby a person, upon condition that he makes an investment, is granted by the manufacturer of his representative a right to recruit for profit one or more additional persons who will also be granted such right to recruit upon condition of making similar investments: Provided, That the profits of the person employing such a plan are derived primarily from the recruitment of other persons into the plan rather than from the sale of consumer products, services and credit: Provided, further, That the limitation on the number of participants does not change the nature of the plan.

        1. mimiSWA

          Huh? Alam mo ba pinagsasabi mo Mr. Bryan? Alam mo ba meaning ng Manufacturer at representative at pano sila related sa “CHAIN OF DISTRIBUTION PLANS”?. Ano ba ang minamanufacture ng SWA at pano ito apektado sa CHAIN OF DISTRIBUTION? pakibasa ulit. salamat. Nagmamarunong.

  95. Raymart Logarta Canete

    Uberchan? are you earning well kung ano man career mo ngayon? Sorry pero nakikinig ako sa mga mayayaman. Opinion mo yan. So share din ako ng opinion ko. Kung talagang scam ang SWA? Sa 2 years operation na neto sa pinas bakit ni hindi man lang n-news na may niloko, or nalugi or nabaon sa utang dahil niloko ng SWA? Trending ang SWA sa facebook. so sa sobrang trending neto imposible naman talaga if hindi man lang na news. Ikaw na mismo ang nagsabi..

    "part BLOGGER part time web manager/designer for various clients."

    Good idea. sa sobrang trending ng SWA, siya ang ginamit mong topic para magkaroon ng traffic ang blog mo.

    Have a nice day! Pls balitaan mo ako pag yumaman kana sa pagigign NEGATRONS! 😉

  96. Howard Chan

    Ung logic ng argument ay hindi ka nakikinig sa mga hampaslupang tulad ko. ha! para ka na ring pulitiko, sa mayayaman lang nakikinig. nwei, di ko sinulat to para kumita sa blog na ito (pansin mo walang ads na tumatakbo sa blog na ito). i just wanted to inform people. pakialam ko qng mas mayaman ka sa akin. kahit pobre ako basta marangal ko kinita ang kakarampot kong sweldo. hindi ko hangad yumaman. gusto ko lang mamuhay ng disente at hindi nanloloko ng kapwa. ang artikulong ito ay base sa mga legal at factual basis – mga basis na iniiwasan niyong sagutin. kung tiwala ka sa swa, join our campaign to make swa famous here: https://www.facebook.com/photo.php?fbid=548875518529555

  97. japjap

    parang simpleng human trafficking =[]..well dami ko na nakitang networking in fact ummattend pa ngaako meeting nila…pero iisa lang lagi plataporma…lumalabas kasi sa networking na papakinabangan mo lang yung na invite mo dahil dun ka kikita…wat if wala ma invite yung tao mo?kumita ka pero sya hinde?tama ba ko o mali?pd na sya huminto pero yung kita mo tuloy pa rin lalo na kung ikaw yung leader(naku sarap instant yaman) so yung mga downline kamusta naman?sbhin na nga natin na bilang leader tumutulong ka para may ma invite sila e talaga yatang walang kakilala at naniwala lang sayo na kikita sya.db dami mo pa nga drawing may linya pa may bilog bilog pa may pares mami pa ?e last resort na pala ng member mo yung pera na pinansali?pd mo ba ibalik yung pera nya?o baka wala ka ng paki alam dahil nakapag pay in na sya at kanya kanya ng diskarte?(syempre kumita ka na sa kanya)kawawang downline….

  98. Karl Cami

    hahahha gudluck na lang sayu….sa pinaglalagan sa dinami rami ng networking swa pa talga anf napagdiskitahan..teka tatanungin kita ..paano mo nasabing scam nag investnka na ba tapos di bumalik sayu ung pera mo hahaha..lol..wasting my time lang….nonsense 🙂

  99. Thirdy Camilon

    Mr chan …the next whistblower ..ate lhai la….abangan natin sa senado hahah…:)

  100. Thirdy Camilon

    Bago nyu sabihin na scam tanung nyu muna sa sarili nyu kung nakunan kayo ng pera hahaha…gudluck us sa mga negatrons 🙂

  101. Thirdy Camilon

    Mr chan kung gusto mog ipaglaban yang pinaglalaban mo sa presinto ka magpaliwanag..mag welga ka na pati..hahaha

  102. Goodluck Juan

    Thirdy Camilon, walang mas bagong joke? If you disagree with Mr. Chan, state your reasons and points. Huwag nang mag-attempt magpatawa oa. OK?

  103. CuriousBun

    Clearly it’s just some sort of pyramid scheme not MLM, for better understanding here is a link from Wikipedia –> http://en.wikipedia.org/wiki/Pyramid_scheme no matter what registrations they do, the business model is simply illegal imho

  104. Howard Chan

    Karl Cami basahin mo naman ung article.. tsk tsk.. ang dami dami niyong mga swa members na comment ng comment pero di niyo naman binasa ung article. nwei, ulitin ko ulit ha: scam ang swa kasi scam ang business model nia. ang business model ng swa which is focused on recruitment is against the consumer act (art. 53 thereof). Illegal ang swa kc hindi xa registered with the SEC. Required po ang mga investment corporation (foreign or local) to register with the EC in order to legally conduct business here. Sari-sari store nga lang required kumuha ng business permit, corporation pa kaya. Magbasa ka naman Karl. hindi ung comment ng comment. Nagcomment ka agad di mo pala binasa ung article, eh di ibig sabihin close-minded ka at hindi open-minded. Kala ko ba open-minded mga swa people??

  105. Karl Cami

    ok gudluck n lang sa pinaglalaban mo partner haha 🙂

    godbless us

  106. Howard Chan

    ang kulit mo din thirdy.. hindi ko kelangan maging biktima bago ko masabi na scam ang swa.. magbasa ka nga.. alangang uulitin q nanaman dito ung explanation ko? mali logic ng comment mo..

  107. akosiako

    ganito kasi yan sa PAGKAKAINTINDI KO ….yung nag sasabing “di scam ang swa kasi yung nilabas kong 2500 naging 20k+ pa nga !!” e ano ngayon? oo kumita ka nga pero san ba galing yang perang kinita mo? sa binenta mong ebooks? cyempre hinde, sinong gago bibili ng ebooks sa halagang 2500? oo tama ka “wala” so, paano sila kumita ng 20k+++ diba? dyan na po yung “recruiting” , bali pag naka recruit sila…. kunyare si totoy na recruit nil huancho mag lalabas si totoy ng P2500 kasi masyado siya namangha tapos di niya pinag aralan paano gumalaw yung sistema yung 2500 na nilabas ni totoy yun yung magiging sahod nung “higher sa pyramid” like si huancho yun na yung sinasabing nasa scam na part, kasi ang totoo sa recruitment nga lang sila kumikita at hindi sa ebooks (malabo padin ba?) ang scam dun e yung part na “benta mo tong ebooks kikita ka dito” pero alam naman nilang walang gagong bibili ng ebooks sa halagang 2500 lalo na yung mga “binebenta ng swa” ayan yung sinasabing scam, ginagamit nilang cover yung ebooks na alam nilang walang bibili bagkus recruitment naman talaga raket nila (ayaaaaan malinaw na siguro) in other words, yung mga na recruit ang nag papasweldo dun sa mga nag recruit sa kanila so kung ikaw yung nasa lagay ni totoy kelangan mo din “mang loko” ng ibang tao at sabihing “benta mo tong ebooks 2500 lang yayaman ka dito” (na alam mong imposible kahit anong positibong isip pa meron ka) ooooorrrrrr !! recruit mo din sila para may sweldo ka

    ngayon naman para dun sa mga nag tataka “e bakit kung hindi pala legal to e bat yung iba mga pulis pa mismo sumasali? upper crust na tao? ” aah e kasi kasi pwede naman nila ipilit na nakaka benta talaga sila ng ebooks e diba? na hindi sila sa recruitment kumikita pero kung pag iisipan mo sasabihin “AAH PUTA KALOKOHAN !!”
    ako nga sa mga kilala kong members ng SWA kaklase ko dati sabi ko “seryosong tanong lang ha..binasa mo ba yung mga ebooks?” walang sumagot ng “oo” alam naman nilang walang kwenta basahin yun e mag rerecruit nalang daw sila ng tao kesa mag benta ng ebooks e same lang naman daw na 2500 e di dun ka na sa mas madali

    bakit madami parin sumasali? e kasi nga namamangha sila imagine-in mo sa halagang 2500 pwede maging milyon (oo posible yan depende sa galing ng dila mo kaya mo yan) kasi yung mga kaklase ko yung nag pasimuno nun “top 1” sa klase nung highschool kaya mataas kredebilidad, so…. parang yung ibang nag hihirap at gustong kumapit sa patalim elibs na elibs naman lalo na pinapakitaan sila ng kotse sa reunion minsan sasagot pa ng alak at pulutan
    parang ganito
    Classmate 1: sorry late ako hirap mag PARK NG KOTSE E
    Classmate 2: wayup angas !! may wheels !!
    classmate 3: wow, ano ba work mo? ako kaka resign ko lang sa pinapasukan ko e ang layo e
    classmate 1: ah, wala nasa bahay lang ako nag fe facebook lang kikita ka na
    classmate 3 + classmate 2 : ha? paano yun?
    tapos kwekwento ni classmate 2 sa kanila paano ang “sikreto” ng isang matagumpay na tambay
    mangha naman ang dalawang payaso sa kaniya yun na po ang simula
    cyempre pa ang ending e si classmate 1 mag papasikat pa lalo “ako na babayad nitong ininom natin” para mas kumbinsido siya sa mga kaklase niya kung kulang pa tatawag pa ng pizza mag papa deliver pa

    maliit lang kasi halagang 2500 KUNG ang kapalit e daang libo naman dun sila na sisilaw sa “easy money” facebook lang daw e (di naman totoo) yung isa ko ngang kilala jan 2013 siya nag labas ng 2500 after 8 months
    kumita siya ng 20$ or approx 800php di pa niya bawi 2500 after 8 months e (mahina siguro sa bokahan) kung iisipin natin 8 months kumita siya ng 800 php e di parang 1 month kumita siya ng 100php OOOORRR !! approx P3.50c a day !!! naisip ko e kung mambuburaot ako sa street namin sure ako kaya ko maka 20php a day e

    yung iba kasi puro comments dumiderekta basahin niyo content mismo maganda siya madami kang matututunan nakakawalang interest lang kasi english medyo mahirap intindihin pero very clear naman kung may good english background ka nag enjoy ako basahin both comments and article natutuwa charm buffe ano ba ginawa sayo ng swa bat gigil na gigil ka? kay James Dean din natatawa ako sa sinulat mo cyempre kay master chan kasi solid “dami mong alam”

    1. Bryan

      SWA – SEC – REGISTRATION #: CS201407120

      WHY SEC (SECURITIES of EXCHANGE COMMISSION) is NEEDED in SWA and DTI is not needed?

      The Department of Trade and Industry (DTI) is the Philippine government agency that governs the registration of business names in the Philippines.
      > If you’re business is in the form of single proprietorship, a DTI registered business name is one of the important requirement to be able to register your business with the Mayor’s Office and Bureau of Internal Revenue (BIR).

      For corporations and partnership form of businesses, their Securities and Exchange Commission (SEC) registration is already sufficient for their trade name. However, many incorporators and partners are still registering their trade name with the DTI to ensure that their names will not be used by others.

      What a crap and garbage BLOG… I have read your post PYRAMID SCHEME are ILLEGAL? Is the message is correct? RA7394 http://www.lawphil.net/statutes/repacts/ra1992/ra_7394_1992.html

      Republic of the Philippines
      Congress of the Philippines
      Metro Manila

      Eighth Congress

      Republic Act No. 7394 April 13, 1992

      THE CONSUMER ACT OF THE PHILIPPINES

      TITLE I. – GENERAL PROVISIONS

      Article 4. Definition of Terms. – For purposes of this Act, the term:

      k) “Chain distribution plans” or “pyramid sales schemes” means sales devices whereby a person, upon condition that he makes an investment, is granted by the manufacturer of his representative a right to recruit for profit one or more additional persons who will also be granted such right to recruit upon condition of making similar investments: Provided, That the profits of the person employing such a plan are derived primarily from the recruitment of other persons into the plan rather than from the sale of consumer products, services and credit: Provided, further, That the limitation on the number of participants does not change the nature of the plan.

  108. Simpleng Pinoy

    I totaly agree with this article. And for the comment trail, its a proof na kalimitan sa ating mga pinoy, sees only the ends and disregarding the means. I wonder, what happens after wala na silang ma recruit. kawawa yung pinaka huling narecruit. Ika nga, konsensya nalang sana…

  109. Howard Chan

    Karl Cami swa is just the beginning.. marami pang katulad ang swa na gagawan ko ng article para maexpose.. again, hindi ko kelangan maging biktima para masabing scam or illegal ang swa.. please read the article

  110. Crayphine Kon-ek

    Thirdy Camilon basahin mu muna ung article bakit ka bha napipikon?

  111. Xian

    Dear Sir Howard,

    Magkaiba po ba ‘yung ‘recruiting’ sa ‘sales’?

    1. Howard Chan (The Student)

      Dear Xian,

      Walang sales ang SWA puros sila recruitment. Again, SWA does not sell ebooks to non-members. SWA does not sell at all. The ebooks are in fact free for members. So really, ang focus ay recruitment.

      1. Xian

        Dear Sir Howard,

        I admire ang pagiging magaling nyo sa debate pero it seems hindi nyo naman po sinagot yung tanong ko.

        1. Howard Chan (The Student)

          Dear Xian,

          I thought your query was already answered. But yes, sales and recruitment are two different things. In recruitment, you just try to convince someone to join. In sales, you give something, either goods or services, in consideration of money. In SWA’s case, their is no sale involved kasi hindi naman talaga sila nagbebenta ng ebook. Yung ebook nila ay free. it’s the membership that you pay for, hence, you pay P2500.00 you become a SWA member and then you get to have ebooks as perks.

          1. doven

            sir howard,

            let me start by saying, i respect your “OPINION”! i am a stockist of a different MLM company based in cebu at the same time i am still a member of SWA. Honestly, i have not earned that much yet in SWA in about 2 yrs as a member. maybe just about $300 total in 2 yrs. so, im not here to tell you in your face that i earned BIG in swa. and yes, earning is not a “sole” proof that a company is legit (as mentioned a lot). but here’s the thing, I TOTALLY DISAGREE WITH YOU on the part that SWA is all recruitment and not selling. and that is my “OPINION”! i have been in sales almost all my life. i have earned a way lot more in other companies than here in SWA. There are at least 3 kinds of people in SWA (those that build networks , those that uses the products and those that do both) . i have about 3k people in my organization in another company and to this day i USE SWA as learning tools or for training and educational purposes. have you tried reading the ebooks SWA offered? and please before you say those ebooks sucks, they have helped me a lot to have build my 3k member organization in another company. i sometimes use it as materials for my trngs. i earn in SWA because i have referred these library of ebooks to some of my leaders for their own use. they bought it not because they want to network SWA. they bought i because of the tons of materials in there. (which is in one library). yes, some are just free in the web, but the idea of having it all in just one library makes it beneficial for me and my team. so, please don’t GENERALIZE things. YES, there are still people that pays for the benefits of having ebooks with titles in jst one library. i used SWA library as reference and great materials to my trngs, mtngs and other business, some of my leaders followed what i did (i did not RECRUIT them to be MEMBERS of SWA, i sold to them the IDEA of what i did and the ebooks. some followed and i earn extra in the process. and if you are asking why the heck this was established in BELIZE, maybe you should also ask WHY NOT in BELIZE? my POINT really is for you to hear a “strange but true” “other side” story of a SWA member who does not JUST RECRUIT AS YOU ALWAYS BRAG that’s all they do. there are also people in SWA who buys the product just because of the products. Believe it or not. this is my PERSONAL EXPERIENCE and OPINION. 🙂
            i admire you for being the CONCERNED citizen that you are. But please, if share something in which you have get ALL the “facts” straight before you claim them as ABSOLUTE TRUTH and not just YOUR OPINION. if not, you are just like the very people that you disgust about. but again, People are always entitled to THEIR OWN OPINION. so, this is just mine. 🙂
            have a great day sir!

  112. Joshua Megino Gulmatico

    Howard Chan hindi nya yata nabasa yung article or he doesn't even know how to read?

  113. Joshua Megino Gulmatico

    Thirdy Camilon try mo kaya muna mag basa ng article. Di ka marunong magbasa ng English? HAHA!

  114. Thirdy Camilon

    Hahaha hindi po ako napipikon natutuwa pa nga ako kasi vira viral ang swa nagpapasalamat pa nga ako thank you us 🙂

    Joshua- di naman kasi kagalak galak basahin dahil hindi namn negative pag iisp ko hahah….nonsense

    Make sure in 1 year mapaptunayan yung sinasabi nyu..hahaha galingan nyu 🙂

  115. Vince Tuldague

    negative daw o. tapos pag nademanda later on sasabihin hindi kami kasama dyan. LOL

  116. Angelica Orgeta

    Howard Chan i've seen this kind of company twice before. dko lang matandaan ung name. sobrang copycat dito, panahon pa ng friendster. sa galleria pa nagpapaseminar. 1500 lang yata ung dati and ung mga nasa top noon, politicians pa. tapos ung laging model na may house and lot na nabili, classmates ko nung college. pinasok na nila buong angkan nila sa taas para pag lumaki covered sila, multiple acct pa.

    may sariling webpage and back office churva din…pera pera lang tlaga. basta kumita, bahala na ung mga nasa ilalim pag ubos na ung maglalabas ng pera after a year or two. this will eventually appear again 5 yrs or more so again in a different name and different flavor.

  117. Vince Tuldague

    Inin Lachica Manarang umaasenso nga kayo sa mga naloloko ninyo

  118. Vince Tuldague

    Thirdy Camilon yan ang sagot ng matalino lol

  119. Vince Tuldague

    ang ibig sabihin niyan marami ka na naloko. pakain mo sa pamilya mo galing doon

  120. Angelica Orgeta

    Lhai La Lai 2014 na, ano ng update? patatagalin lang lalo pag more recruits…syempre

  121. Angelica Orgeta

    Howard Chan natawa naman ako dito. ni nde nya alam kung sino sumulat :)))

  122. Angelica Orgeta

    ang babaw mangatwiran nung batang un oh. basta sya kumita, legal na ung para sa kanya. napaghahalatang walang alam sa batas.

  123. Thirdy Camilon

    Sumali man kayo o hindi mag duda man kayo…kikita pa rin naman kami…kahit mga pulis, att.nurse, doctor….manager, sundalo na ksali..or kung wala man kayu 2500 di ko na yan problema geh wasting my life lang dito di naman ako yayaman dito hahaha at..kung my problema kayu pakitanung na lang dun..hahaha slamat pipol…

    1. bbanana

      Dear Thirdy Camilon, ang tanging basis ng legality ng isang buniness ay nakatalakda sa mga BATAS ng Pilipinas, at kailanman hindi naging basehan kung SINO o ANO ang members nyo. Bago ka mag-comment, magbasa ka muna, please? It just lowers your credibility and the way you answer is SOOOOOOO NOT PROFESSIONAL, which is, I think, a proof that you don’t read the ‘E-BOOKS’ in your SWL or maybe you’re just one of those greedy and frankly, sorry for saying this but.. stupid and naive people.

  124. Thirdy Camilon

    *wasting my time lang…

    1. michael

      ulol

  125. Di Angelu Calyn Recile

    Well,Well,well. . . .there goes. . . .

  126. Angelica Orgeta

    Thirdy Camilon ang babaw ng reason mo

  127. Thirdy Camilon

    Hahaha ok….di ikw n ang my alam. ? Idol na po kita 🙂

  128. Chrissan Geguiera Sy

    palitan nyo na ang name, SWAM is a better fit :3

  129. Mmobile Davao

    Angelica Orgeta agree with you. Napakababaw ng reason 🙂

  130. Myrna An Gonzales

    illegal ha! kaya mag Legal tayo ng kompanya dito lang sa ALLIANCE IN MOTION GLOBAL

  131. ألفيرا لوبوات

    may mga tao pala talaga noh that makes money out of other people. its pyramiding. the laws about pyramiding scams a bit vague so unless wala pang nagrereklamo walang ipagbabawal just be careful where to put your money or youll end up losing it

  132. Howard Chan

    Thirdy Camilon hindi ganyan ang tamang pag-argue. Pinapakita mo lang na hindi mo kayang depensahan ang isang bagay na illegal. Gumamit nh katwiran. Kasi kung hindi mo kayang gawin yun, dapat eh nag-iisip ka na na umalis sa SWA kasi hindi mo naman kayang panindigan na may katwiran. Alam mong mali kasi wala ka maisagot para depenshan ang SWA mo eh. By knowingly doing an illegal act, mas lalo lang lumalalim liability mo. Ikaw din…

  133. Howard Chan

    Angelica Orgeta oo nga.. somebody made a research and hared it here somewhere sa comment section about the origin of SWA.. bumagsak daw ung dating networking nung founder nila na si Chaves kaya inistart tong SWA.. Lhai (above) who is a swa member, even admitted this.. smokescreen lang talaga ang ebooks nila to make them appear na as if they are complying with the law..

  134. francis

    Tama ka Howard, Kailangan lang maeducate ang mga kababayan natin. Dami nga posting sa facebook ko, binubura ko lang dahil alam ko na pyramiding ito sa mga marketing materials palang nila malalaman mo na ang business nila front lang nila yung products and more on recruiting sila at di legal yung business nila. Sa una kailangan munang kikita ang mga miyrembro nila para maipakita nila na totoo ang offer nila, part ng marketing scheme nila yan. Kung papag aralan mo yung ikot ng pera galing karamihan yan sa membership ng mga miyembro at pinapaikot lang mga yan. Yung SWA parang kinopya yan sa isang networking business at kung magreresearch ka i think marami kang makikitang ganyan. May pinapaayos noon sa akin ng bOSS ko dati and almost the same yung setup nila. Sa e-book palang hindi pweding ibinta ang e-book na walang agreement sa publisher.

    Mga kababayan mag isip isip muna bago sasali sa isang networking company make sure legit sya at more on products ang kitaan at hindi yung pagrerecruit.

    1. Howard Chan (The Student)

      tama Francis. Yun ang isa sa malabo sa SWA at karamihan sa mga online networking.. meron ba silang rights to sell ebooks? 100% ako na wala sila rights kasi hindi man sila publishers at walang tie up sa mga publishers to be resellers.

  135. Swa Jeff Perez

    Hi Fans 🙂

  136. Howard Chan

    Just looked at your FB profile and it says you're a founding leader of SWA. So incorporator ka ng SWA sa Belize? can u post your AOI here. Or give us a link of your AOI as well as by-laws. These are supposed to be public records but you're not showing it on the SWA website – which makes your Belize registration dubious. By the way, your business is illegal here in the Philippines because you're not SEC registered.

  137. Swa Jeff Perez

    Howard Chan if you have any problems with SWA the court is always there at your disposal, been dealing with guys like you for like 2 years already.. if I had to deal with each one of you everytime, I wont be on where I am today..

    1. Vigilante

      2 years without SEC registration sir? anyare?

  138. Howard Chan

    Swa Jeff Perez ha! like I explained to one of your cohorts, I am not a proper party because I was never scammed! Best I can do is to warn people against SWA. And by the way, no wonder why your members can't answer any of our arguments SWA because you yourself, a founding member, can't answer any of our arguments.. and you dare us to go to court when in fact you can't even answer it here? How can you prove your legitimacy wuth those types of comments/answers? You can't even upload your AOIs and by-laws. tsk tsk..

    1. Mhar

      Ha,ha takot kalang puro ka kc dada patunayan mo cnasabi mo na SCAM ang SWA magdemanda ka par laman na totot ang cnasabi mo POSER ka kc kaya ga ganayn..

  139. Howard Chan

    and we don't care where you are today.. you're just another scammer in our eyes.. no admiration for people who feed on other people's ignorance and weaknesses..

  140. Swa Jeff Perez

    Howard Chan this will be my last reply on your cute little article, dont bother posting your long replies coz i will not be able to read it, im busy, ive got lots of work to do.. now think about this.. SWA Ultimate donated almost 1M pesos on yolanda victims, we helped almost hundreds of OFW's go home, we are conducting feeding programs, charity donations and helping as many less fortunate people as we can.. ikaw? maliban sa kagustuhan mong manira ng kabuhayan ng ibang tao, ano pa ang kaya mong gawin pra sa kapwa mo?

    its not what we do, its how we do it, if you want my point of view in terms of legalities YES of course we are concerned about it, thats why we have hired "LEGALS", people who actually studied LAW, and not just "speculations", do you actually think we are that dumb to actually engage on something illegal?

    i've been doing this business for 2 years already, and unlike you, I have a family, i have a daughter, and most specially I have a GOD, sa palagay mo ba kaya ko sikmurain na gumawa ng illegal for two years? kaya ko pakainin ang mag-ina ko ng pagkaing galing sa illegal? we have 80,000 members and do you really think mas matalino ka sa 80,000 na tao? we have colonels, we have law enforcers, we have govt officials who are a member of this program. Aba napaka henyo mo nman pala, sa palagay mo ba ikaw lng ang kaisa isang taong marunong mag research when it comes to legalities?

    whatever permit we should have, if we need it, we will have it, kht 100 permits pa, magkano lang yan, kht fishball vendor kaya mka acquire nyan. Aman SCAM, registered yan sa DTI at SEC. But wait why am I explaining to you sino kaba?

    I'll leave you with a quote. "The happiest people are those who are so busy improving themselves. Some of the most unhappy people are those who are busy judging others"

    It's not how much we earn in this business, its what we become.

    PS: If you even change your mind. I would like to show you the amazing world of Network Marketing.

    Read my Blog: http://www.swablog.com

  141. Howard Chan

    Swa Jeff Perez where's your legal department then? wala! where's your AOI and by laws? where's your SEC registration. By you saying na kahit fishball vendor makakakuha ng SEC registration tells me that you don't know nothing at all about SEC registration and it tells me that you are lying when you said you hired lawyers who know legal stuff! FYI, makakakuha ka lang ng SEC certificate of registration na d license to do business in RP qng meron kayon AOI signed by at least 5 incorporators. The AOI has to be drafted and then you need to post a bond which in your case should be at least P2.5 million, kasi pakilala niyo investment corporation kayo (what are you investing in exactly?) Your Yolanda relief operation is a lie – that never happened – I have an upcoming expose on that!

    And answer the arguments. Don't just merely declare na hindi kayo illegal. Go consult your "legal team" if you really have one. Don't make paawa effects like "i have a family" etc because that does not cut it. My arguments are not mere speculations – they are backed by facts which none of you SWA members and you as SWA officer even directly rebutted.. You avoided these arguments and instead of arguing and raising valid points, you just make mere declarations like "SWA is not a scam". How can we believe you when you can't even defend your SWA properly.

    You always claim you have feeding programs and charity works and you don't even show documentation to prove such activities. All you show are pictures of people using money as their "pamaypay".

    And why don't you want to explain things to me? oh i know the answer, because you can't! Because you know SWA did not comply with the requirements of the law.

  142. Lando Ekid

    Hello folks Good day to every body I suggest that you Try SWA or supreme wealth alliance ultimate online business opportunity first so that you will know weather or not this is scam, your article maybe convincing but trying is proving, thank you and God bless folks.

  143. Ruben

    Haba ng talakayan at palitan ng mga katalinuhan…kung talagang concerned sa legitimate at gustong ma expose ang mali..go for the root..ex. Kung gusto nyo i save ang addict, i save nyo ikulong ang manufacturer mismo ng kina aDikan nila. What i can see here is a patalinuhAn.. Kakainis lng, kak entertain konti.
    And what i know is… 2500 pesos is ur purchase of SWA library. Then u can start promoting the business.. So, binili mo ung lubrary at ebooks. Ibig sabihin nabili ung products.
    Nabasa ko ang articles at binabasa ko ulit…Do yhe right thing, mKe a formal complaint or complAinst para matigl ang dapat matiglil..
    Peace to both camps…

    1. Howard Chan (The Student)

      Ruben,

      We can’t file an action in court because we are not victims. I was never scammed by swa or any networking group for that matter. The article I wrote only serves as a warning. it’s only up to people to take it as an advice or ignore it.

      If you look closely on the business model of SWA, they are not really selling ebooks. They are selling membership and the ebooks are just free to be accessed after membership. Kasi qng ebooks lang ang binebenta nila, dapat optional ang membership.

      1. SWA John

        Uberchan dami mong daldal, papatayin ka dyan e!!!!! SHIT MO GAGO!!!!!!!!!!!!!!!!!!!!!

        1. Howard Chan (The Student)

          Pre, at least may mga legal at factual basis mga daldal ko. eh kayo, puros kayo mura, panglilibak, at qng ano ano pang pagmamaliit. Ganyan ba ang mga open-minded na tao? May death threat ka pa. What’s so hard with arguing decently? Oh i know, wala kayo maisagot kaya puros mura na lang sagot nio. Reflects nicely on your personaluty #sarcasm

      2. unkwon

        post ko lang po dito iyong mga comment ng mga tao as regarding SWA..hindi ko lng po ilalagay ang full name for theier safety sake,pero this are their true comments at dko inedit..i don’t have anything against SWA neither I am a victim nor having any intentions to be in this argument gusto ko lang po katotohanan if ano ba tlaga ang totoo if scam or not a scam the arguments as so viral that it catch my attention so gusto ko lng po ishare din >>>>>Rose A. yeah! Im already a member also in SWA. D q tlga nabawi 2500 ko. Lintek ang walang ganti !<<as per they say na mamabawi or x3 ang kikitain mo balik<<<>>>Mary Angeli R. V. hala ui maau nlng wa ko ngpauto ..lamia awayon atong namugos nako ui..bantay lng to xa..<<as per they say na di sila namimilit <<<this are just some of the comments na tingin ko in contradict to what they say (SWA)..

        1. Howard Chan (The Student)

          Hello, can you please refer these persons to this page: http://www.uberdigests.info/swa-complaint-form/

          They can fill out the form to tell their story and then we can refer them to one of our friends who has a connection in the media. We have one media person who showed interest in covering this issue basta meron lang magpapainterview na victim.. so if we can get the people you mentioned above to be interviewed then we will be able to expose SWA on national tv.. Thanks! 🙂

  144. Claris Lim

    ganyan daw kasi ang htik n hitik na bunga…. binabato,,,, pedeng dahil naiinggit kasi kumikita,,,, sila nga naman hundi,,,,…….. imbes n magtulungan,,, crab mentality pa….

  145. Iza Bernardo

    I think wala naman cya paki alam guys kahit scam ang company na sinalihan nya Basta importante is kumita cya sa mga Taong narerecruit nya. Ni hindi nga binasa ung article eh, malamang ung title lang binasa nya kaya react agad ng walang basihan. The mere fact na hindi sec register and company ibig sabihin hindi legal and business na pinapatakbo ng company nato.hindi porke kumita ka eh hindi na to scam. Basahin muna kc ung buong article bago dumada. Ibang Tao kc sarado ang isip, Basta kumita regardless Kung scam man wala sila pakialam. Kulang sa info kaya dami naloloko eh!

  146. Vance

    Nice stuff dude. Good some good folks like you have the time looking into frauds like this and exposing it, helping the people of this country become more righteous in thier practices in managing financial endeavors.

  147. bolgang

    Go go chan…naiinis na rin ako kc nagcomment lng ako sa isang membro na baka scam yan kc nirerecruit nila ako pero di ko pinatulan. Hayun binatikos ng binatikos nila ako na kesyo napaka negative ko. Halos parepareho mga sinasabi nila. Mas maganda na ngang magbenta don sa napkin na may negative ion kc my product talaga at may specific prices din. May mga downlines din pero pag wala ka ring mabenta at marecruit eh wala rin. Yan nagsearch din ako pero di ko rin kursunada ang ebook nila. Mas naniniwala sana ako kung kikita ako sa pamamagitan ng pagbenta ng ebook pero sa swa kikita ka lng kung may magbabayad ng 2500 pesos. Nakakatakot kasi nangongolekta ka ng walang product..

  148. Aby

    Good research and argument….author has commendable attitude to debate and is firm too. Admire the effort since he is not even earning anything from this blog with supplemental articles on laws and that stuff …

    I am a member and i see your point legally and as a Filipino taxpayer… to my co-members, let us not condemn the author whether we are earning or not… be positive, listen to the argument properly and let us use a better sense (not just common sense) to analyze and be honest to ourselves regardless of earning…

    example….nagbenta ako ng mga bulok na prutas sa isang bulag, syempre kumita ako dahil bulag naman eh…it does not justify na legal or even right yung ginawa ko…right?

    The author is right , why don’t SWA comply with the legalities in taxation since it is already earning alot and has created a lot of millionaires… this is where open-mindedness also applies…. realization din pa-minsan minsan pag may time.

    Uberchan… i expect a clear conclusion from the senate as you implied in this blog otherwise it has become a waste… Remarkable attitude i may say again impressive that you could defend your argument with supplemental laws and articles too.

  149. Aby

    Very informative ito hindi walang kwenta…

    tama din si Akosiako….^_^

  150. carl

    okay scam ang swa…….akala ninyo ay okay dahil ngasweldo kayo or kumikita— nagbigay ng pera at kumita ka dahil nagrecruit ka TAMA yung kinita mong yan ay pera ng mga nerecruit mo at nerecruit ng nerecruit ng nirecruit ng nirecruit mo sa madaling salita downlines….. kinukuha ng may ari ng swa ang ilang porsiento at binibigyan rin kayo upang sumipag kayong magrecruit…… pero di yo alam na sa pagrecruit ninyo don sila kummikita at barya lang yung nakikita mo….. BARYA lang dahil sa dami ng sasali kumikita sila sas mga downlines mo kapag masipag ka at masipag yung mga downlines ng mga downlines ng mga dowlines mo… yang ginagamit mo pera yan ng mga downlines mo….. Ninakaw yan ng swa sa kanila at biniyayan ka lang para ikaw ay maenganyo at maenganyo rin yung downlines mo… the more you recruit the more na pera ang papasok sa kanila…..

  151. Mari Celle

    Whoever is the author of this, kung legal ang pinag-uusapan why don't you go to proper authorities and file a case to SWA at hindi yung sulat sulat lang ang ginagawa mo, Magfile ka ng complain na illegal ang SWA, you have all the freedom to do so, no one is stopping you but you can not stop those people who wanted to be a member voluntarily….Kung di mo kaya na gawin yan then you better shot up your ass!!

  152. June

    hi im also a member, before ko nakita ang SWA talagang bumibili na ko ng mga ebooks sa internet, may $10 dollars akong binabayaran, pinakamahal kong nabayaran noon eh $67 dollars just to download yung gusto kong ebbok.

    So nung na try ko ang SWA library, sobrang naka mura ako dahil sa dami ng nadownload kong ebooks regarding sa kung ano man ang gusto ko matutunan… Doon palang enjoy ko ang na purchase ko sa Php2500 ko.

    Now, nai share ko sa iba at same thing they enjoy at may natutunan sila sa naidownload nilang ebook sa SWA Library, nag earn ako dahil naikwento ko ang nagustuhan kong ebook na nabili sa swa library,

    I think ang scam ay kung wala akong nakuha sa pinangbili ko, at di sila nagbabayad ng commission sa pinangako nila sa akin…. kaso binigay naman nila sa akin nung may nairefer rin ako na bumili ng SWA library.

    Same goes sa ibang naging SWA Library costumer…. now alin ba ang scam dito?

    SA akin SCAM kapag ang isang dapat na ipinangako sayo ay hindi ibinigay… SCAM yun… Be productive nalang guys…

  153. Philip Relucio

    The problem is the laws of our country and the ones who are supposed to implement it are too incompetent kaya marami malakas ang loob magnenegosyo ng ganito without even going through the proper procedures and legalities.

    This article may be right, it may be wrong…but we will never find out unless our law enforcers with the help of the law go after law breakers vigilantly.

    For now,we are stuck with having to use all the resources we have at our disposal to learn which is which talaga.

    Unfortunately, some, if not most Filipinos, don't have the luxury to do this. Or rather, tinatamad gawin at nagpapadala na lang basta basta sa hype.

    But to make my stand clear,I will point out one part of the article:

    The fact that they don't have a main office here in the Philippines, let alone legal papers to do business here in the country, means clearly that any SWA-related transaction done here in our country is ILLEGAL and should be punishable by Philippine law.

  154. Jr Loro

    Thirdy Camilon bakit puro picture ng iba ang pinopost nyu? hindi yung sarili nyung pic na kumita ka talaga.. kakaSWA na kayo

  155. Ronald Machete

    kung nsa AVON or TUPPERWARE man kayo so go for it, wala pong prublema dun, walang kumukontra, pero kami sa SWA go rin kami.. kaya lang bakit ang DAMI NYONG KONTRA? lol!! :v

  156. Ronald Machete

    so anong MLM company ang legal kamo at nkakasumod sa :Aws of Citations na pwede mong i suggest samin MR. Chan?

    1. Mike Ramos

      AIM Global.

  157. Ronald Machete

    ANG BUTTOM LINE… NAINGGIT SILA SA SWA… CGE KUMONTRA KA!! TOTOO NMAN DIBA? INGGIT ANG NAMAMYANI SA INYO KAYA KAYO GANYAN.

  158. Ronald Machete

    Howard Chan … SO ANO PONG PINAGLALABAN NATIN?

  159. Angelica Orgeta

    Ronald Machete kontra man kami or nde, dmo ba naisip ung mga nasa ilalim mo mga nxt year kung makakahanap pa sila ng maglalabas ng 2500? sa dulo ng line mo, palagay mo ganun pa din karami ang sasali? so basta kumita ka, wala ka ng concern sa network mo. give it 3 yrs, bro. mahaba na ung 3 yrs from now.

    nde mo din siguro alam na dati na yang scheme na yan, may sinara ng ganyang company dati. pabalik balik lang.

  160. Mari Celle

    Yes! INGIT lang talaga, andaming pwedeng gawin sa mundo para umasenso nasa tao na ang mamimili kung anong paraan ang kanyang gagawin tsaka ang pagiging miyembro ng SWA ay hindi sapilitan ang registration kaya lahat ng members dito ay voluntary and accepted the bussiness at walang namilit!

  161. Mari Celle

    Mr. Howard Chan, napatunayan mo then file a case against SWA, you have all the evidences to prove! go ahead i will watch you and standing ovation pa!

    1. swa mo muka mo

      he’s not a real party in interest my dear.

  162. Ronald Machete

    Howard Chan ILANG ARAW ANG ITINAKDA MO? HANDA AKONG MAGBILANG,,,, DAHIL PAG DI MO NAGAWA ANG GUSTO MO LABAN SA SWA,.. TAG LIMA KA!!!! BUNBUNAN MO LANG WALANG LATAY SAKIN… ANO ILANG ARAW ANG SINASABI MONG BIBILANGIN? HANDA AKONG MAGBILANG SHETPAK KA!!! DAIG MO PA ANG PRESINDENTE NG BANSA! PAGBABANTA YANG MGA BANAT NG COMMENT MO PAKSHET KA ULIT! ANO? ILANG ARAW? SAGOT!!!

  163. Ronald Machete

    Lendel Fajardo PURO KAYO SULAT PURO KAYO DADA AT LATHALA.. GAWIN NYO!

  164. Ronald Machete

    Howard Chan PASIKAT KA KC EH NO? GANUN LANG NMAN YUN EH PARA SUMIKAT KA, BABANGGAIN MO ANG SIKAT AT GAGAWA KA NG ISSUE MO.. so congrats! kasama ka na sa pagsikat ng SWA haha!

  165. Thirdy Camilon

    Wala yata yang 2500 or pang invest kya laking galit sa swa….bigyan yan ng activation code hahaha lol…daig pa ang presidente …hahaha….ang mga bitter talga hahah

    change your mindset now to POSITIVE!
    To see is to believe!

  166. Ronald Machete

    Howard Chan so gumagawa ka ng sarili mong batas? ang babaw mo beho! at sino ka pra dito sayo magpaliwanag? at wala si Jeff dapat pang ipaliwanag, dahil kung ikaw ang pagpapaliwanagan eh mas malabo pa sa sabaw ng pusit ang pag iisip mo…. oo tama ang nabasa mo.. MAS MALABO PA SA SABAW NG PUSIT ANG PAG IISIP MO..

  167. Ronald Machete

    my dear SWAmily… wag nyo nang patulan ang blog na ito… sayang ang time pra mkapag share pa tayo ng opportunity sa iba, dahil kung dito tayo tututok, magkakaroon lng ng traffic sa blog na ito at pwedeng itong behong ito ang kikita… kaya go lang tayo!! POWEEER! SWA!!!

  168. Ronald Machete

    Angelica Orgeta in swa, we are building more leaders not only members, we are dupicating kaya kung ano ang achievements namin yun din ang goal nmin na ma achieve ng aming fellow members. kahit anong hanapbuhay hindi iisa ang level ng success. nasa tao nayan kung pano nila panghahawakan ang opportunity.. bat ba ang laki ng prublema nyo sa swa?

  169. Angelica Orgeta

    Ronald Machete tell me honestly, hanggang saan ang dulo ng duplicating system na yan sa pagkakaalam mo? ung 50pesos ngang ganyang ganyan na nabuhay nung 201, naubos na ung nag iinvest in 2 yrs time lang. what more ung 2500? anong products? ebooks? eh libre lang ang ebooks dba?

    like i said, this is the 3rd time nakita ko yang business na yan, bumukas, sumara. do your research too. yan na yan mismo ung company na pinasara dati. nung una 1500 lang yan, now 2500 na. magkano naman kaya yan pagdating ng 2010…5000pesos na? bukas sara, pag nakalimutan na ng tao ung mga nde kumita sa ilalim, fresh new start na naman. nang matapos ang friendster, eto naman ang facebook. ano ang susunod? isip isip din. nde biro ang 2500 sa mga pinoy na umaasa sa kita…mabuti pa ung may consumable products, alam mong may binayaran ka talaga.

    COLD CASH ANG HINIHINGI MO SA TAO. do you even know kung sino ang boss mo sa company na yan? ipinaghihingi mo sya ng pera sa kapwa mo.

  170. Trebzky Sa

    any business model that depends only on recruitment to earn is illegal/scam. even if you are registered in SEC.

  171. Angelica Orgeta

    Ronald Machete tell me honestly, hanggang saan ang dulo ng duplicating scheme na yan sa tingin mo? kung ung 50pesos na ganyang buss na nabuhay nung 2011, walang ng nag iinvest in 2 yrs time lang. what more kung 2500? bukas sara lang yang company. nabuhay yan nung panahon ng friendster. now sa facebook naman. magkano na yan pag napasara AGAIN, 5000 pesos na? nung una 1500 lang yan. anong products, ebooks? eh yan din nga ung pinasara dati and ung mga tao, kinalumutan nalang ung 1500 nila. alam mo man lang ba kung sinong boss mo dyan? kasi you're getting COLD CASH from people for a company you dont know.

    so pag nagsara ulit yan, anong sasabihin nyo sa mga downlines nyo? "sumali lang din ako eh"??? ganyang ganyan din kaaangas ung mga recruiters nung friendster time. makikipagaway pa talaga tapos tahimik na sila nung sarado na ung ebook/MLM/weblink nila.

    pasalamat kayo at may concerned citizen na nag initiate ng blog na to. kung nde kayo natitinag, eh di wag nyo syang basahin. kasi ang blog na ito ay based sa research. most ng galit na nagcocomment eh mga nde naman tlaga nagbasa at umintindi ng maayos sa nakasulat. very thorough ang research nya at nde basta galing sa emotion na gaya ng mga members nyo na puro violent ang reaction based on what? ask yourself.

  172. Trebzky Sa

    paluwagan is merely a another type of savings in different form.

  173. Trebzky Sa

    charm, whois is only for domain registration and not necessarily proves the owner of the company. anyone can register a domain for another person.

  174. Chaije Carnasa Diwa

    Angelica Orgeta true yan..napakaraming SCAM na akong nawitness..ung iba for example POWERLAB..it lasted only a couple of years i think..they got 3,500 from their downlines with medicated products for them to sell or not..depends to the member if he/she sell the product…if they cant recruit anybody then they will get nothing in return…in short mga manloloko, pyramiding scam..thats why theyre eager to recruit…kawawa mga downline nila kng wlng marecruit bsta sla kumikita..maniniwala ako if wla silang kukuning pera sa marerecruit nila..

  175. chryzleen

    hi guys kung gusto nio ng legal at stable at ang produkto ginagamit halos lahat ng pilipino mag vmobile nlng kau 🙂

  176. Ellah Dy China

    Howard Chan i like u Howard…i salute u…tnx

  177. Toni Rose Cabatay

    kaya nga nasa process kase nangongolekta pa ng pera mula senyo!
    gumising!

  178. Swa Maureen Flores Villacanas

    Howard Chan Are you SWA CERTIFIED MEMBER? NA TRY MO NA BA? dont judge SWA, ag di mo pa na try 🙂 oh sadya lang, INGGITERO KA LANG .. haha.Good LUCK :0

  179. Toni Rose Cabatay

    napakaskit nmn isipin na,, kht dto nkikita ntn na mrmi pdn sa pilipino srili lng ang iniicip..yayaman cla dhl sa kapwa nila kakawwa nmn ung pngkakitaan nila nglabas lng pero nd ng bumlik ung investment..

  180. Angelica Orgeta

    Toni Rose Cabatay process? oo nga dba? ilang beses na nagamit ang term na "under process" na yan. pampatagal lang yan eh. un ngang naka-register na, nagagamit pa ding front (siguro nagbabasa ka ng newspaper at nakikinig ng news and heard of the name Napoles), un pang nakakolekta na sa marami pero nde pa pala legal na company. isip isip naman! nde yan ang first time nag operate, ilang beses na yan napasara, iniiba lang ung name. maangas kayong nagtatanggol kasi bago kayo sa larangan ng MLM. pero sa mga sanay na dyan mid 90s palang, alam nila yan in its different forms and names.kk

  181. Angelica Orgeta

    Toni Rose Cabatay oo nga eh.

    process? ilang beses na nagamit ang term na "under process" na yan. pampatagal lang yan eh. un ngang naka-register na, nagagamit pa ding front (siguro nagbabasa ka ng newspaper at nakikinig ng news and heard of the name Napoles), un pang nakakolekta na sa marami pero nde pa pala legal na company nde yan ang first time nag operate, ilang beses na yan napasara, iniiba lang ung name. maangas ang mga nagtatanggol kasi bago sa larangan ng MLM. pero sa mga sanay na dyan mid 90s palang, alam nila yan in its different forms and names.

  182. Angelica Orgeta

    Ronald Machete nagsabi lang ng totoo (with legal proofs), nagpapasikat na? at least with the intent of warning ppl na maloko lalo.

    maghihintay pa bang masara ULIT yang company (ooops nde pa pala sya company!) bago magising ang bagong batch ng recruiters na nagtatanggol dyan? pagsara nyan, for sure, tatahimik na naman kayong mga bagong nagagamit na panangga ng company na nde nyo kilala. san nga pala office nyo? anong name ng mga boss mo? ayun oh sa taas, ung picture na office daw ng SWA ay galing sa isang website lang.

  183. Ronald Machete

    Howard Chan ang laki mo tlagang TANGA! sasabhin mong hindi kaming member ang nang i-scam kundi yung SWA ang scam… mag isip ka nga kung tatakbo ba ang isang sistema kung walang taong nagpapatakbo? PAPALUSOT kpa eh.. ang linaw ng nakalagay sa comment mo sa taas na bilang na ang araw ng mga SCAMMER… unggoy ka tlga oo, papalusot kpa eh

  184. Ronald Machete

    sino tatadtarin ng shotgun Rennette? my shotgun kba? marunong kba gumamit ng shotgun? o hindi mo lang alam ang pinagsasasabi mo?

  185. Ronald Machete

    so ano po ipinaglalaban ntin Charm sa IP nyan? PAKI EXPLAIN! LUV U!

  186. Angelica Orgeta

    Toni Rose Cabatay ^_~

    hmmmm bat kaya nawawala lagi ung post ko sa ilalim nito -_____- sa ibang thread, ok naman

  187. Ronald Machete

    Angelica Orgeta isa lang yan eh….. kung pareho man kamo ang product nila sa amin.. wala silang magandang sistema, ganun lang yun.. prang sa isang pamilya.. parhong mag asawa at may mga anak.. kung walang sistema kung walang sinusond at walang pagmamahalan magwawatak watak din… tsaka wag mo akong pangunahan sa pwede kong sabihin sa mga downlines at members ko, ano ka DIYOS pra malaman mo ang sasabihin ko? umayos ka nga! di ka diyos uy!

  188. Ronald Machete

    Angelica Orgeta isa lang nakikita ko sayo eh…. nkpa BITTER mo? pay ppinagdadaanan kba? push ntin yan teh!

  189. Ronald Machete

    TO ALL SKEPTICALS!!!
    this will be my last reply on your cute little article, dont bother posting your long replies coz i will not be able to read it, im busy, ive got lots of work to do.. now think about this.. SWA Ultimate donated almost 1M pesos on yolanda victims, we helped almost hundreds of OFW's go home, we are conducting feeding programs, charity donations and helping as many less fortunate people as we can.. ikaw? maliban sa kagustuhan mong manira ng kabuhayan ng ibang tao, ano pa ang kaya mong gawin pra sa kapwa mo?

    its not what we do, its how we do it, if you want my point of view in terms of legalities YES of course we are concerned about it, thats why we have hired "LEGALS", people who actually studied LAW, and not just "speculations", do you actually think we are that dumb to actually engage on something illegal?

    i've been doing this business for 2 years already, and unlike you, I have a family, i have a daughter, and most specially I have a GOD, sa palagay mo ba kaya ko sikmurain na gumawa ng illegal for two years? kaya ko pakainin ang mag-ina ko ng pagkaing galing sa illegal? we have 80,000 members and do you really think mas matalino ka sa 80,000 na tao? we have colonels, we have law enforcers, we have govt officials who are a member of this program. Aba napaka henyo mo nman pala, sa palagay mo ba ikaw lng ang kaisa isang taong marunong mag research when it comes to legalities?

    whatever permit we should have, if we need it, we will have it, kht 100 permits pa, magkano lang yan, kht fishball vendor kaya mka acquire nyan. Aman SCAM, registered yan sa DTI at SEC. But wait why am I explaining to you sino kaba?

    I'll leave you with a quote. "The happiest people are those who are so busy improving themselves. Some of the most unhappy people are those who are busy judging others"

    It's not how much we earn in this business, its what we become.

    PS: If you even change your mind. I would like to show you the amazing world of Network Marketing.

    Read my Blog: http://www.swablog.com
    – Swa Jeff Perez

  190. Ronald Machete

    Angelica
    this will be my last reply on your cute little article, dont bother posting your long replies coz i will not be able to read it, im busy, ive got lots of work to do.. now think about this.. SWA Ultimate donated almost 1M pesos on yolanda victims, we helped almost hundreds of OFW's go home, we are conducting feeding programs, charity donations and helping as many less fortunate people as we can.. ikaw? maliban sa kagustuhan mong manira ng kabuhayan ng ibang tao, ano pa ang kaya mong gawin pra sa kapwa mo?

    its not what we do, its how we do it, if you want my point of view in terms of legalities YES of course we are concerned about it, thats why we have hired "LEGALS", people who actually studied LAW, and not just "speculations", do you actually think we are that dumb to actually engage on something illegal?

    i've been doing this business for 2 years already, and unlike you, I have a family, i have a daughter, and most specially I have a GOD, sa palagay mo ba kaya ko sikmurain na gumawa ng illegal for two years? kaya ko pakainin ang mag-ina ko ng pagkaing galing sa illegal? we have 80,000 members and do you really think mas matalino ka sa 80,000 na tao? we have colonels, we have law enforcers, we have govt officials who are a member of this program. Aba napaka henyo mo nman pala, sa palagay mo ba ikaw lng ang kaisa isang taong marunong mag research when it comes to legalities?

    whatever permit we should have, if we need it, we will have it, kht 100 permits pa, magkano lang yan, kht fishball vendor kaya mka acquire nyan. Aman SCAM, registered yan sa DTI at SEC. But wait why am I explaining to you sino kaba?

    I'll leave you with a quote. "The happiest people are those who are so busy improving themselves. Some of the most unhappy people are those who are busy judging others"

    It's not how much we earn in this business, its what we become.

    PS: If you even change your mind. I would like to show you the amazing world of Network Marketing.

    Read my Blog: http://www.swablog.com
    – Swa Jeff Perez

  191. Howard Yano Chan

    Ronald Machete hala! hindi ka nagbabasa. Sabi ko scam ang swa. At scammer din ang mga taong gumagawa ng business ng swa. scammer din kayong mga recruiter ng swa kasi scam ang business niyo. anong sinasabi mong nagpapalusot ako? please read po. kung matapang kang mag-label na tanga ang isang tao, panindigan mong matalino ka at patunayan mo un by understanding the issues at hand.

    bakit may sinabi ba akong walang nagpapatakbo sa swa? saan at kelan ko sinabi? at bakit ko sasabihin un eh in the first place isa sa mga allegations ko ay SWA is thriving due to recruitment (which is against the Consumer Act). At sino ang nagrerecruit? Xmpre tao – kayo. So bakit ko sasbihin na walang nagpapatakbo sa swa na tao? Magbasa ka nga ng mabuti at intindihin mo. Nakakahiya sa mga nirerecruit mo qng di ka makaintindi ng mga simpleng arguments. smh

  192. Ronald Machete

    SIOPAO
    this will be my last reply on your cute little article, dont bother posting your long replies coz i will not be able to read it, im busy, ive got lots of work to do.. now think about this.. SWA Ultimate donated almost 1M pesos on yolanda victims, we helped almost hundreds of OFW's go home, we are conducting feeding programs, charity donations and helping as many less fortunate people as we can.. ikaw? maliban sa kagustuhan mong manira ng kabuhayan ng ibang tao, ano pa ang kaya mong gawin pra sa kapwa mo?

    its not what we do, its how we do it, if you want my point of view in terms of legalities YES of course we are concerned about it, thats why we have hired "LEGALS", people who actually studied LAW, and not just "speculations", do you actually think we are that dumb to actually engage on something illegal?

    i've been doing this business for 2 years already, and unlike you, I have a family, i have a daughter, and most specially I have a GOD, sa palagay mo ba kaya ko sikmurain na gumawa ng illegal for two years? kaya ko pakainin ang mag-ina ko ng pagkaing galing sa illegal? we have 80,000 members and do you really think mas matalino ka sa 80,000 na tao? we have colonels, we have law enforcers, we have govt officials who are a member of this program. Aba napaka henyo mo nman pala, sa palagay mo ba ikaw lng ang kaisa isang taong marunong mag research when it comes to legalities?

    whatever permit we should have, if we need it, we will have it, kht 100 permits pa, magkano lang yan, kht fishball vendor kaya mka acquire nyan. Aman SCAM, registered yan sa DTI at SEC. But wait why am I explaining to you sino kaba?

    I'll leave you with a quote. "The happiest people are those who are so busy improving themselves. Some of the most unhappy people are those who are busy judging others"

    It's not how much we earn in this business, its what we become.

    PS: If you even change your mind. I would like to show you the amazing world of Network Marketing.

    Read my Blog: http://www.swablog.com
    – Swa Jeff Perez

  193. Ronald Machete

    Howard Chan
    this will be my last reply on your cute little article, dont bother posting your long replies coz i will not be able to read it, im busy, ive got lots of work to do.. now think about this.. SWA Ultimate donated almost 1M pesos on yolanda victims, we helped almost hundreds of OFW's go home, we are conducting feeding programs, charity donations and helping as many less fortunate people as we can.. ikaw? maliban sa kagustuhan mong manira ng kabuhayan ng ibang tao, ano pa ang kaya mong gawin pra sa kapwa mo?

    its not what we do, its how we do it, if you want my point of view in terms of legalities YES of course we are concerned about it, thats why we have hired "LEGALS", people who actually studied LAW, and not just "speculations", do you actually think we are that dumb to actually engage on something illegal?

    i've been doing this business for 2 years already, and unlike you, I have a family, i have a daughter, and most specially I have a GOD, sa palagay mo ba kaya ko sikmurain na gumawa ng illegal for two years? kaya ko pakainin ang mag-ina ko ng pagkaing galing sa illegal? we have 80,000 members and do you really think mas matalino ka sa 80,000 na tao? we have colonels, we have law enforcers, we have govt officials who are a member of this program. Aba napaka henyo mo nman pala, sa palagay mo ba ikaw lng ang kaisa isang taong marunong mag research when it comes to legalities?

    whatever permit we should have, if we need it, we will have it, kht 100 permits pa, magkano lang yan, kht fishball vendor kaya mka acquire nyan. Aman SCAM, registered yan sa DTI at SEC. But wait why am I explaining to you sino kaba?

    I'll leave you with a quote. "The happiest people are those who are so busy improving themselves. Some of the most unhappy people are those who are busy judging others"

    It's not how much we earn in this business, its what we become.

    PS: If you even change your mind. I would like to show you the amazing world of Network Marketing.

    Read my Blog: http://www.swablog.com
    – Swa Jeff Perez

  194. Ronald Machete

    Toni Rose Cabatay bagay nga sayo ang title ng blog na ito FILIPINONGPILOSOPO.. bulok na bunga ang sinsabi mo

  195. Howard Yano Chan

    Ronald Machete wala akong marecommend na online netowrking group kasi halos parepareho lang kayo. Like I said, sWA is just one of the first expose I'll be doing. There are more to come. Pero mga offline na business, though iniiwasan ko magbanggit ng mga compliant na companies but since you asked, I'll say AVON. Again, for the record, hindi ako advertiser ng avon, but they do business right kasi hindi sila nakadepende sa recruitment tulad niyo.

  196. Angelica Orgeta

    Ronald Machete ayan na, gumagamit na GOD. sige, basta mark this day nalang ke mabasa mo ito or nde. pinapakain mo sa anak mo ung kinita mo dyan dba? nde purkit nag-donate or tumulong sa mahirap, eh lusot na agad. isip isip din. sabi nga ni Napoles, gusto nyang maalala sya ng tao na nagbibigay sa mahihirap (napanood ko ung interview na un).

    ikaw na din nag nagsabi, registered company nga, nagagamit pa na pangloko…what more if nanguha muna ng pera sa mga tao pero nde pa nga properly registered. pag nawala yan, sinong hahabulin ng biktima. yan mahirap sa sarado ang utak eh. i've seen all kind and angles of these groups. may pinagbigyan pa ako in the past at sumali para lang din mag observe…wala na. gone with the wind.

    2 yrs. ba kamo? hehehe ako noong 90s pa exposed sa ganyang mga companies. been there, done that.

  197. Howard Yano Chan

    Thirdy Camilon tsk tsk.. wag ka na ngang magcomment.. wala ka namang maibigay na sensible arguments for your beloved swa.. qng ganyan ka makipagusap, i doubt qng may narecruit ka sa swa (which is good kasi at least mababawasan ang mga naiiscam). Madali kayo mapaniwala qng may promise ng pera pero qng mga ganitong diskusyon qng saan pinapakita namin mga kamalian ng swa eh puros na lang kayo panglilibak sa aming personalidad pero hindi niyo naman direktang inaatake mga arguments namin. Puros kayo kesho mga hampaslupa kami, mga walang pera, mga negatrons – eh qng sinagot niyo na lang direkta mga arguments namin eh di nagkaroon pa tayon ng intelehenteng usapan.

  198. Angelica Orgeta

    Ronald Machete i'd prefer to help people be aware than ignore what is happening around me. you are as young as 2 yrs in this business…makipag usap ka sa mga galing na dyan. papunta ka palang, ang dami ng pabalik samin.

  199. Ronald Machete

    oh so ok.. AVON? well walang prob jan.. its good to them, kami nman sa SWA ok lang din kami.. pero ito tanong ko sayo? BAKIT ANG LAKI ng PRUBLEMA MO samin sa SWA? may pinagdadaanan kba? baka mkatulong ako sayo bro? pm mo ako

  200. Howard Yano Chan

    Ronald Machete, bakit copy-paste reply mo.. sinabihan ka ng big boss mo kasi di mo alam sumagot noh.. balita ko may training din kayo qng paano bastusin mga "negatrons" na tulad namin and avoid discussing the nitty-gritty of issues regarding swa? haha.. makes sense

  201. Angelica Orgeta

    Ronald Machete bitbit ko is knowledge and awareness to help and inform pinoys. ikaw anong paln mong bitbit para sa kapwa mo after ilang taon if magsara na yan? recruit pa din? ung mga kilala kong palaban noon sa ganyan, nde nakakalimutan ng recruits nila til now na naglabas sila ng pera then patay na ung company

  202. Angelica Orgeta

    Howard Chan may format ung reply

  203. Ronald Machete

    Howard Chan anong tanong mo?

  204. Ronald Machete

    Angelica Orgeta anong connect ni Napoles sa SWA?

  205. Ronald Machete

    Howard Chan wait brb, my inquiries ako sa SWA positive prospects…babalika ko ha promise!
    sayang din yung time na ginugol ko dito ah! nkpag uplift na sna ako ng llives ng iba whew! BRB FOLKS!!

  206. Howard Yano Chan

    Ronald Machete what do u mean gumawa ako ng sarili kong batas? may link po ang mga batas sa itaas. Ang mga batas na yan ay gawa ng Kongreso ng Pilipinas. Hindi ko un imbento. Just shows you are not reading. But just so you can check the laws kasi alam ko namang hindi mo binasa ung article at di mo talaga inintindi ung mga arguments agains swa, here are the links to the related laws: Corporation Code: http://www.sec.gov.ph/laws/pdf/Corporation%20Code%20of%20the%20Philippines.pdf

    Consumer Act: http://www.dti.gov.ph/uploads/DownloadableForms/RA%207394%20-%20Consumer%20Act.pdf

    Pero malamang hindi mo babasahin kasi nga close-minded ka naman base sa mga comments mo. Lakas mo pang mang-label ng "tanga" eh I never even resorted to name-calling. The worst I labeled you guys is "scammer" but i presented proof which you never even rebutted properly. Again, name calling or attacking us personally or bashing us does not do any good to your business. You are only showing that swa recruiters are rabid people when asked about the legality of swa – which is supposed to be the first concern by any would-be recruits.

    So please argue properly. If you don't, it will only reflect poorly on your personality.

  207. Angelica Orgeta

    Ronald Machete quote ba? here's one —

    "MAHIRAP MAKAKITA ANG NAGBUBULAGBULAGAN. MAHIRAP GISINGIN ANG NAGTUTULUG TULUGAN."

  208. Angelica Orgeta

    Ronald Machete

    brb daw. nagpapaturo pa ng irereply. baka copy-paste ulit ang reply mamaya.

  209. Xhann Dee

    😀 Howard Chan Pansin ko lang 😀 bakit masyado kang over protected sa article? Siguro ikaw ang gumawa!haha
    Anyway madali lng gumawa ng kwento basta kaming mga SWA MEMBERS! kumikita..tested and proven:-) ey ikaw?

  210. Rosemarie Lincoln

    In my part po, indi ko po masasabing SCAm ang SWA kasi po nasa tao lang po un kung mag join o indi, lahat po ng post namin sa SWA ay advertise lang po at indi po kami namimilit na sumali po kau samin, At indi po lahat ng nagka join sa SWA ay kumikita lamang dahil sa pag recruit, nasa group po un kung paano po patakbuhin ang business na to. Ako po ay bagong member ng SWA at mag 5 months na po akong member, Kumikita man po ako pero indi pa kalakihan at nung sumali po ako wala pong pumilit sakin na sumali, ako po mismo sa sarili ko ang nag try at kahit ni isa pong negatibong comment wala po akong sinabi, this time po kasi lahat po tau, lalo na tau ay mga pilipino ang unang iniisip natin ay kapakanan ng pamilya natin, Marami pong nangingibang bansa na yung iba nagiging biktima ng indi magandang pagtrato diba? Sa akin po, Ang SWA ay isang opportunity sakin na dumating na kahit paano nakakatulong sakin, At para po sa pananaw ko, at mismo sa team ko po sa SWA, indi po kami nagwowork ng isahan kundi isang buong team po kami, Sa team ko po kung sino man po ang invite namin na openminded na talagang interested na sumali sa SWA at talagang wala silang pambayad ay tinutulungan ko pong makasali sila in my own investment, at kung natatanggap po ako na komisyon from from SWA its a blessing po, ang ginagawa ko po ay kukunin ko po ang ibang komisyon at ang iba save ko din po para sa mga walang pambayad po talaga na gustong tulungan ang pamilya. At pag member na po sila, indi ko po pinipilit na bayaran nila ang ginastos ko pangpa member nila, ang sinasabi ko lang po sa kanila ay nasa kanila na po un kung paano nila papalaguin. Ngaun sa stiwasyon pong ito, wala pong napirahan at wala pong nangulekta so wala pong SCAM, ang nangyari po dito tulungan. Kaya po indi na po dapat pag argyuhan ang mga bagay na ganito, may FREEDOM po tau kaya kung ano pong isip natin ay tama para sa family natin ay gawin nalang po natin ng waalang pag aalinlangan. Nasa TAO din po un Kahit saang negosyo ka po pumasok ng indi mo alam patakbuhin talagang BANKCRUPT po abutin mo.

  211. SWA John

    GOD BLess nalang sa atng lahat tama na yang kadaldalan

    1. Howard Chan (The Student)

      wow.. you are saying “god bless to us all” tapos in your comment above you are threatening to kill me? and you were cursing me? Hopefully wala ka mabola sa na sumali sa SWA. Kasi very reflective yan sa violent tendencies mo at fraudulent tendencies na rin. Imagine one minute you are threatening to kill me and then the next you are wishing me “God bless”? Ano yan? Dual personality?

  212. Lando Ekid

    Sikat Talaga ang SWA, kaya kayo nagcocoment against sa SWA, I suggest na make your own MLM company and make it legal, habang may time pa and if you have one ay iaadvertise natin and surely ay lilipat ang some or maybe most of the members sa inyo depending on the pay plan system na pinapatupad niyo pero kung dak dak lang kayo ng dak dak diyan at walang mapuntahan ang tao na pagkakakitaan na ginawa niyo then pabayaan na na ang law ang magsabi na SWA is a scam or not because ang ating mga kababayan ay nagghahanap ng pagkakakitaan para makaraos o matupad nila ang kanilang mga pangarap sa buhay and SWA is thier alternative who has an easy and a perfect pay plan system, thier is no choosing in the pay plan system of SWA as you have stated it is a simultaneous 2 working pay plan system dagdag mo iyan sa kaalaman about SWA, Thank you again and God bless to all of you guys out there.

  213. jefforce

    SA HUKUMAN/ JUDGE, TINITIMBANG ANG NASASAKDAL (MAARING ISANG TAO, MGA TAO, AHENSYA, STABLISAMENTO O ISANG KUMPANYA) AYON SA EBIDENSYA O BIGAT NG KASO NITO???, {Hindi man ito hukom, subalit hindi magkakalayo ang gantong usapin.]

    MAARING TANONG O TOPIC NG OPOSISYON O DEPENSA:

    ANO BA ANG NAITUTULONG NG SWA?
    AT ANO NAMAN ANG NAGAWANG KASALANAN NG SWA?

    MAAARI BANG PANAGUTIN ANG TAONG GUMAWA NITO O UNG MGA KASAPI?

    MAGANDANG PAGUSAPAN NATIN ITO, UPANG MAGAWAN NATIN NG TAMANG HAKBANG PARA SA IKAUUNLAD NG ATING SARILI AT NG BANSA…

    PWEDENG NYO BANG SABIHIN SA KOMENTONG ITO?

  214. Alvin Mediavillo

    TARANTADO KA PALANG UBER KA SA KATANGAHAN,,,EH KUNG SABIHIN KO SAYO NA MAY KUMIKITA DITO NANG WALANG NARERECRUIT? GANYAN TALAGA ANG MGA INGGITERO HEHEHE…NANGGIGIGIL KASI DI NINYO MATANGGAP NA ANG KINABIBILANGAN MONG COMPANY AY BULOK…NILALANGAW !!!

  215. Mhar

    POSER kc kayo kya kayo nagkakaganyan! wala kayong magawa kundi manira sa SUPREME WEALTH ALLIANCE bakit hindi nyo pakialaman ang inyong mga MLM Industry cguro hindi na kayo makapg invite sa On Line Business nyo kc nga kayo ang SCAM kaya iyan anlng ang pinaggagawa nyo sa buhay nyo, alam nyo ba na VIRAL at Trending ang SWA sa buong mundo woooooh hindi nyo na kayang pabagsakin ang SWA kc lilipad na sya saere na hindi kayang abutin o arukin ninuman.. kung ako sa inyo magtanim nlng kayo ng palay pra may anihin kayo at may magagwa pa kayo sa buhay nyo pra pakinabangan kayo ng pamilya nyo..

    1. Howard Chan (The Student)

      That’s a stupid assumption. I was never a part of any networking group, online man o offline. May mga basehan ako nung sinulat ko ang article na ito at lahat ay nakadetalye sa artikulo. Un ang sagutin niyo at wag ka magcocomment ng isang presumption na walang basis. Ikaw ang poser, ni hindi mo nga magamit FB mo para magcomment kasi takot ka ata makita mukha mo?

  216. Marcos De Jesus

    MGA POSER kc ang mga iyan at itong gumawa ng blog nato walang magawa sa buhay kung hindi manira sa SWA cguro sa iba kayo MLM member na gusto nyong pabagsakin ang SWA kung ako sa inyo mga kaibigan JOIN US NOW! Alam nyo ba na ang SWA ay VIRAL at Trending all over the world hindi nyo na kayang pabagsakin ang SWA kc maraming niniwala d2 hindi katulad nyo na walang alam pagdating sa Networking, kjc nga mga POSER kayo…

  217. Marcos De Jesus

    Alam nyo ba mga POSER may CAR PROMO kami baka kayo ang mabunot sa raffle sumale na kayo hanggat hindi pa huli! kc nga ung MLM Business nyo eh bagsak na at wala ng naniniwala sa inyo kc nga wala na kayong mai SCAM… bakit tinalo ba ng SWA ang MLM Business nyo? ay sus! Be Consistent lang partner may may maloloko kpa at paniniwaalan kpa sa business mo wag kang titigil hanggat hindi mo nakukuha ang resulta mo syang nmn ang mga mai SCAM mo…

  218. Marcos De Jesus

    ha,ha,ha,he,he,hek, wlang magawa ang mga POSER oh kundi manira sa SWA ingit lang kc kayo at may mas marunong sa inyo! I'm proud of the owner of SWA CEO Francis Chavez ang Jeff Perez… gumawa kc kayo ng bago hindi puro daldal lang malay nyo may maniwala sa inyo pra may maloko kayo..

  219. Analyn

    Don’t worry Mr. Chan if they say that you have “crab mentality” for opportunities like that. if they can’t argue with you legally and based on the law governing the Philippines. maybe they did not take Phil. Constitution and Logic subjects 🙂

  220. Cholo Restar

    Kung scam po ang swa bakit madami pa pong nasali at nag iinquire? isang tao ka lang po Mr. Chan pero ang kalaban mo is madaming tao. marami padin ang naniniwala at gustong magtiwala kay SWA. kung gusto niyo pong siraan ang swa pde nio pong sabhin or kausapin ang may ari para sa mga nilabag nilang batas so kayo na po ang magkausap. hindi na po ung ippublic pa na scam ang swa thanks.

  221. Jeanette Del Rosario Descalaye

    Bakit kayong mga inggetera at crab mentality ay masyadong pakialamero?ang SWA ay maraming natutulungan mga pilipinong di makahanap ng trabaho sa ating bansa bakit di kayo maging masaya sa mga taong nakakatulong kahit sa maliit na paraan.maraming nabago ang buhay ng SWA members kaya wag nyo naman alisan ng work ang mga nagtyatyagang kumita dito.kayo ba matutulungan nyo ba sila kung sisiraan nyo ng sisiraan ang SWA?sana manahimik na kayo dahil di naman kami niloloko ng SWA binabayaran naman kami kung ano yong aming kinita kaya wag nyong sabihin na SCAM ang SWA.wag nyong alisan ng kita ang mga mahihirap nating kababayan na di maka afford humanap ng trabaho.sana makonsensya kayo sa pagpapakalat ng maling impormasyon.wag kayong mainggit kay Mr. Chavez dahil pinaghirapan nya yang itayo at wala syang niloloko na member ng SWA laging fully paid ang members.kung gusto nyong maging maunlad na katulad nila magbanat kayo ng buto at mind your own business dahil di kayo nakakatulong sa kapwa naming mahihirap.sana may natitira pang konsensya sa inyo bago kayo magpakalat ng maling impormasyon….maawa kayo sa mahihirap na nagsusumikap kumita through SWA….nasaan ang magandang budhi nyo?mag ingay kayo kung may mga niloloko na sila.

  222. Windy White

    kumusta na po ang Samahan na Walang Alam kundi manloko? Magbago na kayo uy. bagong taon na nakakahiya kayo.

  223. Jhidan Navarro

    wag nlng po manira ng company, gzto lang din ng SWA na mkatulong sa Tao to gain another source of Income.. pra din mka help sa Financial Freedom.. Instead na Manira, mind your own business nlng.. Godbless ^_^ More Blessings to come.. 🙂

  224. Nosrej Chaokad

    Tama… kumikita sa pagrerecruit recruit recruit recruit hangang wala ng ma recruit ..tsaka annoying na mga Adds na paulit ulit …. enjoy niyo nalang earnings niyo sa SWA pero para sa akin its not a good way to earn money… peace mga SWA members may mga kaibigan din ako na member… hindi lang tlaga nila ako ma convince.

  225. Van Monmari

    hays…. ang dami talagang mga negatrons about SWA. well, di na ako nagtataka na hahanapan talaga nila yan butas dahil ang ibang companies nasa hulihan na. hahahaha well, oo nga may mga legal talaga na companies that they stands for how many years.pero ang tanong,..ang mga members ba nila kumikita ng katulad ng sa SWA? I dont think so. ako ilan buwan pa lang sa SWA but i earned more than i expected. well, good for all the negatrons. hanggang dyan nlang kayo. they dont even try what really SWA is. cge go go go for your opinions dahil yan mga opinions ninyo dyan kayo nabubuhay. well, kudos to all SWA members who stands for their beliefs that SWA is not a scam. yon nagsasabi na scam ang SWA yon yong mga tao na di nila kilala ang SWA. actually i have 2 kids pero nabubuhay ko sila sa SWA ngayon. and i dont think i deceive other people kasi all i know marangal ang SWA and operated properly. 100% payouts marieceive ko if i request them. inggit lang cguro kayo. magtayo din kayo ng ganito.pero make it sure na magpepayouts ang mga tauhan nyo ng maayos like SWA is doing.regarding po sa ebooks,well…di kasi ako mahilig magbasa and its not really a big deal for me kung sinong nagsusulat dyan as long as wala akong nakikitang lokohan dito sa SWA. all my concern is meron akong mga anak na pinapakain. kung ayaw nyo ang SWA, eh huwag kayong sumali. hahahaha basta ako kumikita na ng malaki dito. and for your information mr author di po ako binabayaran ng SWA para magtestimony dito. im just sharing kung ano yon experience ko sa SWA dahil sobrang unfair naman yata na sasabihin mong scam na maganda ang patakbo nila.at 100% payouts po kami dito sa SWA. mag to 2 yrs na po ang SWA but so far wala pa pong members na nagrereklamong di nila binabayaran.sad to say po on my part bakit nyo sinasabi yan.wala ka sa SWA at di mo naexperience ang naexperience namin. yon mga members na nagrereklamo na di sila kumita dahil di nman nila ginagawa ang tungkulin nila as networker.kahit ano nman sigurong business ang papasukin mo kung tamad ka wala rin mangyayari sayo.

  226. Kulas

    This is a good post. People who are joining SWA don’t realize what they are doing. Yes, it gives them extra money, but this is not hard earned money. It’s easy money and what’s worse is that they get it easily from their recruits; recruits that are desperate to earn more. This pyramid scheme just proves how greedy people can be. As long as they are earning, they don’t really care if their recruits are earning too. Tipong paramihan nalang ng recruits para mas malaki ang kita. Hindi ba?
    So anong silbi mo sa mundo kung nangunguha ka nalang ng pera ng ibang tao? Basta may pera ka, ok na? It’s sad to see how people become corrupted just because of greed.
    At walang nakakainggit sa ginagawa niyo. Money is just money. It’s just a tool used for living, but it shouldn’t consume you in any way. Mas masarap parin kumita kapag alam mong pinaghirapan mo ung kinita mo at may kontribusyon ka sa ikauunlad ng bansa.
    SWA is just a desperate means to have money. If you feel desperation, try praying. It helps, it helps a lot. Don’t be blinded by money and luxurious things that you don’t really need.
    So advise ko lang sa mga nalilito parin kung sasali ba sila o hindi. Huwag na po. Sayang yung pinag ipunan niyo. Just pray and have faith. He will provide, He always does. 😉

    1. Benjh

      it is not good to say greedy. By the way i am a SWA member.. We are selling e-books. not recruiting only. we do not just get the money. it is a payment for the e-books.

      1. Kulas

        Nah! E-books are just a front to the scam. I know people who are members and they don’t really sell ebooks. They just present you their perfect pay plan system, which of course explains how you can get rich just by recruiting other people. Think of it, do most people really need those e-books you are selling? I’ve watched a video on how SWA operates. So don’t get me wrong, because it still goes down to the need for greed. 😉

      2. pining

        Hey Benjh what happen dude why did you delete your entire post ? Cant take the self humiliation? Deactivate your fb account right lmao

  227. theana

    IS SWA REGISTERED THE COUNTRY’S SECURITIES & EXCHANGE COMMISSION (SEC)? IF NOT, THEN WHY NOT?

    Supreme Wealth Alliance Corporation does NOT have a local SEC registration and it is because SWAC is not a local traditional company that needs to be registered in any local governing body. SWAC is a legally registered international corporation in the sovereign country of Belize… as an IBC (International Business Company) company… and has fulfilled all necessary requirements an IBC company should comply with. And since our scope is GLOBAL VIA THE INTERNET, we do not have any local offices nor any local registration in any of the 200 countries where we currently have members. We operate 100% in cyberspace (internet) and do not occupy a physical space in any given municipality, city or even country. Since we operate online, we have to comply with the online laws. The same way Facebook, Google, you tube, eBay and other online companies are not registered locally with our SEC, we also follow the same regulations.

    In addition, all operation, transactions, product sourcing, and product delivery are done 100% via the internet, and NOT within the soils or jurisdiction of any country… that is why there is no necessity to register locally in any of the countries wherein we have members and affiliates.

    1. Howard Chan (The Student)

      Huuuuy.. part na ito ng article.. nasagot na po ang argument na iyan.. pakibasa po ng buo ung article wag ung comment ng comment kasi it just shows na di nio pinagiisipan mga comments nio..

  228. Palaigit

    Sir chan can you help me to gain traffic katulad nito ng blog mo sa swa pra kumita ako thanx po

  229. reynold

    this fcking SWA is very annoying.. pare-pareho lang ang mga iyan sa dami ng mga MLM na nandyan noon at ngayon..kineclaim no.1 sila..eh puro na lang no.1 lahat ngmga bulok MLM companies..hahahaa!bulok na sistema, bagongtaon na, baguhan nyo rin sana style nyo! bulok na bulok na! bwiset!

  230. Bossing

    Tama si Mr. Chan. He is basing on facts. If you really read his article, hindi niya sinisiraan yung SWA. He is just expressing his opinion which is backed up with facts. Mahirap naman kasi sabi ka ng sabi ng legal or legit or tama ka pero wala kang proof. Base sa mga nabasa ko from Pro Swa comments dito eh iisa lang ang dahilan nila. KUMIKITA sila…which is ok but don’t blame Mr. Chan because he has basis.

  231. Jerome Matias

    Sa mga nagdududa parin sa ONLINE HOME BUSINESS nato…
    ito lang masasabi ko sa inyo.. wala kayong mapapala dyan sa kakaduda nyu …Just Think of This … kung SCAM ang Business nato Bakit kami nag-aadvertise sa inyu na alam naman namin na pwede kaming hulihin dito…

    oh kita nyu…. kahit sila na mga PULIS sumali na … Dahil totoo itong BUSINESS nato

    http://facebook.com/photo.php?fbid=812577315426522&set=a.106598062691121.17603.100000227846777&type=3&theater

  232. akosiako

    nabasa ko yung sinabi ni aby tungkol sa pag bebenta ng bulok na prutas sa bulag eksaktong eksakto nga hindi mo mapapatunayang scam or ilegal e very good example ng “konsensya nalang pre”,saka napaka hirap ng laban na to kasi sa totoo lang sure ako nabibigyan ang media dito kasy napaka gandang topic nito e…yun nga lang hindi talaga nila mapapatunayang legal kasi kalokohan naman talaga pyramiding, mahirap na laban to brad. masyadong mahina boses ng “anti swa” unang una dahil hindi naman talaga nag propromote ang “anti swa” wala naman nag fla flood sa face book ng “swa ay illegal” + lamang din ang swa sa kapit meron silang politiko pulis at kung ano ano pang “upper crust” personalities

    meron pa kong kwento kamakailan lang nanghiram sakin ng 8k yung maestra ko nung una ayaw pa niya sabihin saan niya gagamitin sa bday daw pero umamin din siya networking din kaso ang binebenta naman nila yung bombilyang humihigop di umano ng usok sabi ko nung una ayaw pa niya sabihin saan niya gagamitin sa bday daw pero umamin din siya “sige ma’am isugal mo na kelangan mo e” ayaw ko man ng networking pinahiram ko parin siya ng 8k simply because kelangan niya ….pero wala din bagsak din kasi magaling man siya mag sales talk hindi talaga ganun ka marketable yung bulb na humihigop di umano ng usok + nagkaroon ng ganung eksaktong produkto sa ace hardware sa lahaaaaat ng sm so, sa recruit lang din siya kikita in the end hindi nag bunga yung 8k nasayang pero masaya ako kasi natauhan siya humanap siya bagong trabaho tumigil siya sa pagiging teacher at nag call center (oo gulat din ako mas malaki sweldo ng call center sa teacher) at bayad na siya ngayon PERO malayo tong kwento na ito sa experience ng karamihan, hindi naman lahat e nakapag tapos sa pag aaral kagaya ng nasa kwento ko at hindi lahat ng tao may pang apply …..hindi lahat ng tao may pamasahe …meron talagang tao na walang wala sana lang magkaroon ng tagalized version yung article sa taas since ang goal mo naman is NOT to stop SWA but to prevent people from joining SWA (sa pag kaka intindi ko ha) mahirap kasi intindihin ng mga taong “nagbabalak sumali” since most of them naman e walang matinding background kagaya nitong sila….itago nalang natin siya sa pangalang “Dirty Chameleon” saka tong si “SWA Dyan” kita mo naman paano makipag argumento e hahaha

  233. akosiako

    nabasa ko yung sinabi ni aby tungkol sa pag bebenta ng bulok na prutas sa bulag eksaktong eksakto nga hindi mo mapapatunayang scam or ilegal e very good example ng “konsensya nalang pre”,saka napaka hirap ng laban na to kasi sa totoo lang sure ako nabibigyan ang media dito kasy napaka gandang topic nito e…yun nga lang hindi talaga nila mapapatunayang legal kasi kalokohan naman talaga pyramiding, mahirap na laban to brad. masyadong mahina boses ng “anti swa” unang una dahil hindi naman talaga nag propromote ang “anti swa” wala naman nag fla flood sa face book ng “swa ay illegal” + lamang din ang swa sa kapit meron silang politiko pulis at kung ano ano pang “upper crust” personalities

    meron pa kong kwento kamakailan lang nanghiram sakin ng 8k yung maestra ko nung una ayaw pa niya sabihin saan niya gagamitin sa bday daw pero umamin din siya networking din kaso ang binebenta naman nila yung bombilyang humihigop di umano ng usok sabi ko nung una ayaw pa niya sabihin saan niya gagamitin sa bday daw pero umamin din siya “sige ma’am isugal mo na kelangan mo e” ayaw ko man ng networking pinahiram ko parin siya ng 8k simply because kelangan niya ….pero wala din bagsak din kasi magaling man siya mag sales talk hindi talaga ganun ka marketable yung bulb na humihigop di umano ng usok + nagkaroon ng ganung eksaktong produkto sa ace hardware sa lahaaaaat ng sm so, sa recruit lang din siya kikita in the end hindi nag bunga yung 8k nasayang pero masaya ako kasi natauhan siya humanap siya bagong trabaho tumigil siya sa pagiging teacher at nag call center (oo gulat din ako mas malaki sweldo ng call center sa teacher) at bayad na siya ngayon PERO malayo tong kwento na ito sa experience ng karamihan, hindi naman lahat e nakapag tapos sa pag aaral kagaya ng nasa kwento ko at hindi lahat ng tao may pang apply …..hindi lahat ng tao may pamasahe …meron talagang tao na walang wala sana lang magkaroon ng tagalized version yung article sa taas since ang goal mo naman is NOT to stop SWA but to prevent people from joining SWA (sa pag kaka intindi ko ha) mahirap kasi intindihin ng mga taong “nagbabalak sumali” since most of them naman e walang matinding background kagaya nitong sila….itago nalang natin siya sa pangalang “Dirty Chameleon” saka tong si “SWA Dyan” kita mo naman paano makipag argumento e hahaha isa pa tong si claris lim e…bale….pag hinuli ng pulis yung druglord kasi inggit lang kasi malaki kita ni druglord? ganyan ba? gik gik gik gik gik

  234. Benjh

    Concern lang po. I’m a SWA member but i don’t get the logic of the author about questioning the legality of the business making the e-books just fronts for the SCAM or Scheme whatever you call it illegal the nth time. On my part i have read some e-books and i find it useful. there are about 2100 e-books purchased by Php 2,500.00… Mainly, some of the foreign members around the world joined SWA just to get those e-books. What is the problem of selling tons of e-books at a low price?

    Now I have another concern, what it you continue to bring down SWA via media, the Government Agencies and Politicians, how will you compensate those who joined and dreaming of getting commission and earning on the e-books they sell. Closing the business will leave many members frustrated on their investment. And this is not a simple business that makes you millionaires overnight. Some took weeks to make purchase of the e-book, others took months, 2, 3, 6 months for 1 purchase. That is why we say that earning is based on how often you advertise, and how well you advertise. Knowledgeable members know their limitations but sad to say low level members with poor schooling only understand the method that they must refer and recruit members which is not the prime objective. The prime objective is to sell e-books and gives incentive on the member. But it was short sighted to be focusing on recruitment and pyramiding scheme that is in the discretion and understanding of the member.

    I have no grudge on this review but i was not convinced because the sides of those who use the e-books like me was not heard. I know nothing about Laws but I know if something is illegal and not. Calling it a SCAM and lining it up with Napoles is not fair and not balance. AMAN is another which is not the same as SWA.

    To sum up. Supreme Wealth Alliance (SWA) is an On-Line Based Marketing Business that sells Supreme Wealth Library in forms of e-books (2100+ e-books) for the amount of Php 2,500.00 and commission is given on the member who do the transaction.

    Hope to hear a favorable response on my message that is not One Sided.

    PS – SWA is 100% Legitimate and Pays its members accordingly.

    1. pica0214

      Hello Benjh, partner and to everyone following this thread! I’m a pocketbook and e-novel writer, a SWA member too. I’ve been selling ebooks since December 2007 and so far, okay naman po. Iyon nga lang, maliit ang kita kaysa sa mga books ko na inilalabas ng mga company. Bakit? Ang bawat novel ay around 25000 words and I used to sell my ebooks for $5 only. Kung may 50 tao na bumili ng ebook ko, meron na akong $250 or P10 750.

      What’s my point of saying all these things? Nang pumasok po ako sa SWA, hindi ko na ibinebenta ng $5 ang ebook ko. FREE na po sa mga mapapasali ko dahil isinasama ko na iyon bilang part ng kanilang library 🙂 Sa ngayon ay isa pa lang ang free ko pero I’m planning to make it 5. Sa mga hindi naman member, maybe $3 won’t hurt much 🙂

      Ni minsan ay hindi ko in-entertain yung idea na ilegal ang SWA dahil wala itong tangible product o dahil hindi marketable ang produkto. Because I believe it’s marketable. I work for Odesk too at ‘yung client ko n bumibili ng paisa-isang ebook for $3 before, nagparegister n rin siya to access the whole library. Nagshare siya ng ebooks sa mga friends niya at dahil exposed rin sila sa ebooks, they did register and my friend received $130. Not a big amount in US but still, nakakatuwa na nagshare lng sila ng library pero may commission.

      Sa part na un ay agree ako sayo BENJH, binibili natin ang library in ebook forms. Hindi na ito bago sa akin kaya nang ma-discover ko ang SWA, hindi ako nagdalawang-isip na mag-join–not for the money but for the library. Pero na-e-enjoy ko na silang pareho ngayon. What’s wrong with it?

      Simple lang naman. Sa pagre-recruit or pag-encourage ng mga taong sasali, we have to be transparent. Kung puro magaganda ang sasabihin natin at paaasahin natin sila sa mga bagay na hindi totoo, that’s the time you are scamming people. Pero kung ipapaliwanag natin sa kanila ang papasukin nila, na ito ay online program na may online library with 2145 ebooks and is continuously updating, na ma-e-enjoy nila ang library and they have the chance to earn if they will promote it, wala sigurong magiging problema. Kung ang reason ng pagsali ay para sa negosyo, kailangan nilang magdouble time at mag-isip ng paraan to promote SWA pero kung ang reason ay simpleng membership lang to have the ebooks, I’m sure contented na sila sa content nito.

      @Mr Chan, nabasa ko po yung message mo na hindi ka makakapg-file ng case dahil hindi ka victim. That’s right. Sa tingin ko, wala namang magpa-file at magsasabing nabiktima sila ng SWA dahil lahat ng sumasali, napapanood ang mga videos at nababasa ang mga ebooks kaya alam nila ang dapat nilang gawin dito. Kung tungkol naman sa kitaan kung bakit hindi sila kumita, maybe because they have not yet given their 100% effort in this business. Kung may magrereklamo naman, malamang ay panghinaan ng loob dahil lilitaw na hindi nila alam at inaral kung ano ang SWA. Tungkulin un ng mismong may katawan, ang alamin kung ano ang pinapasok niyang sitwasyon. May kulang pa pero anytime naman ay puwede nila itong gawin dahil one time payment lang dito sa SWA.

      I just wanted to share my thoughts, sana ay maging maayos ang kuru-kuro dito sa thread na ito. Kung may nakikita kang kakulangan sa business namin Mr Chan, why not help us instead? Gawin nating positibo ang mga bagay-bagay. Pare-pareho tayong Pinoy, walang masama kung magtutulung-tulong tayo di ba. Thanks 🙂

  235. Eli

    @Benjh, Concern lng din po ako. Hindi po ako kontra by any means, my tanong lang po ako sa comment nyo.

    “… how will you compensate those who joined and dreaming of getting commission and earning on the e-books they sell. Closing the business will leave many members frustrated on their investment. …”

    Do you mean okey lang na magtrabaho ako sa isang kompanya na hindi binibigay ang tamang sahud ko? hayaan ko nalng na maghire pa nga mga bagong tao ang kompanya kahit alam ko na hinda sapat ang sinasahud nila?

    Kung may mali dapat talaga matigil ang mali, kung my malugi lessons na nila yan.

    1. Concern lang

      May pag kakaiba ang Trabaho sa Negosyo..

  236. akosiako

    Dude Benjh di mo nabasa article or malamang na miss mo lang yung tanong na “ano ba karapatan ng SWA para mag benta ng mga nasabing ebooks? meron nga ba?” since hindi naman sila naka tie-up dun sa mga nag publish nung ebooks ….parang ano to e…sa kaso ng itunes kung meron kang “i device” or kung alam mo yung itunes…may right sila mag benta ng mp3 ayun legal yun …pero kung ako mag bebenta sayo ng mp3 ilegal yun KUMITA MAN AKO O HINDI ilegal yun kasi wala akong right mag benta nung mp3 na yun kahit yung mga nasa quiapo na nagkalat na cd ilegal yun …..minsan naman yung ebooks LIBRE bawal siya ibenta pwede mo i distribute pero bawal mo ibenta

    ang issue dito kasi e medyo nakaka lito SCAM saka ILEGAL
    para mas malinaw hindi lahat ng ilegal ay scam example nito e drugs
    pero lahat ng scam ilegal example e …er…. yung mag benta ng pekeng titolo ganyan

    “PS – SWA is 100% Legitimate and Pays its members accordingly” —– linawin natin to
    hindi porke na bibigyan ang members e legit na brader, isipin mong mabuti paano ka sumesweldo
    SAKA hindi naman swa nag papa sweldo sa inyo …nag rerecruit ka ng tao para sumweldo ka try OR yung mga taong narecruit mo may narerecruit din para sumweldo ka tama diba?

    TRIVIA:
    alam mo ba na yung buko vendor na nag lalako e ilegal din? kahit mukang marangal ilegal talaga sila
    unang una may dala silang tabak (malaking kutsilyo) bawal yun considered deadly weapon yun
    pangalawa wala silang permit na mag benta hindi lang pinapansin ng gobyerno kasi maliit lang naman kita saka siguro dahil sa “awa” (anong koneksyon?! ….paki tuloy ang pag babasa)

    PERO pag swa ibang usapan yan kelangan tignan yan kasi MILLIONS ang pasok ng pera niyan sa “kompanya” nila hindi siya dapat pinapalampas kagaya ng buko vendors pero syempre alam na ng media to malabong hindi nabibigyan lang din sila ng nasa taas ng pyramid kaya tahimik sila yep that’s how it works saka hindi lahat ng nag SWA e kumita alam ko yan meron akong mangilan ngilang alam na mahina mag recruit sa swa kaya yung 2500 nila hindi pa nila bawi

    1. Concern lang

      Opinion lang sa :”ano ba karapatan ng SWA para mag benta ng mga nasabing ebooks”

      Depende siguro sa copyright ng books na mabibili whether it can be resell, or what, etc..

      1. akosiako

        yeeesss naman, kaso kulang transparency ng SWA, wala silang pinapakita na may distributing rights sila kung meron man kaya nga na que question kung meron ba talaga silang karapatan para mag benta ng ebooks saka diba ang ads na ginagamit nila e “facebook lang kikita ka na” bat di nila ginagamit yung “mag benta ng ebooks online para kumita” dba?

  237. Novaliza Aranjuiz

    Magkano ba ang bayad sayo Uberchan pra sirain ang SWA? <3

  238. Mary Jane

    Swa is not an easy to get rich scheme actually because not all people has an open mind to understand and accept…gaya rin yan ng tupperware, avon, royale, etc. na may mga downlines i consider that as pyramiding dhil pag walang downlines and recruits di gagana ang company the only thing that is different and make it appear legal is that they offered products u can sell and they pay tax….actually tax is just a front i could say to evade legal problems…now if u don't have money to buy those products to sell then u will be a useless downline isn't it…so as for me swa is a friendly business bcoz it is not heavy on the pocket how can people sue u when u only spend 2500php diba wala ka namang inagrabyadong tao at nilokong tao…and before u join this group u know damn well what ur into of course….people who are members here understands and accepts the policy of swa…not all companies or establishments who are paying taxes are legal remember those recruitment agencies who has physical offices in the phil are recruiting illegally too, there are those people who are paying taxes who are being paid to lie like some lawyers…and pinakamapait na dito ay yung nagbabayad ng taxes na and puhunan ay pawis at pagod with small income and yet every grain of rice they buy may vat etc…and where those taxes gone…no need to tell u know where that thing lands….so tax?….it is just a……….

  239. Domomomo

    I think this post is all about a person who was really annoyed by the spams of the SWA members. He did some research about their “business” and came up with a conclusion that it’s a scam.

    And he did his assignment really well. It’s up to the readers if they also see it as a scam.

    Ito lang masasabi ko sa mga readers: there are good investments and bad investment. It’s up to you where you put your money.

    But the question is: it is legit? Registered sa SEC ang Aman Futures. Pero anyare ngayon? Mehehehehehehe

  240. Benjh Maliga IV

    If we talk Legality in the Philippines and to answer the question why it is conducting business in the Philippines. It is not conducting business in the Philippines literally. SWA Business is being marketed all over the world. It does not care what country you are in as long as you want to buy those ebooks, it just happen that we Filipinos, residents of the Philippines bought it and now are part of the Business. Do not aim on that side because there even ain't a battle for that because it obviously was won. SWA do not have to register here in the Philippines, it is Internet Based. How would you support your theory and research if we now tallk about the dozens or hundreds of Filipinos abroad who are members of SWA. are they even under the Philippine Law? No they are not, the only thing the Philippine Government can account them is for them to pay taxes here in the phil. Other than that i guess there ain't. Do not speak of Laws, Constitutions and Bills of Laws regading your findings about the legality of SWA. I will state again, SWA is internet based marketing, there is still no existing law regarding the cyberspace here in the Philippines concerned on marketing and business and pinpointing members that uses the Social Media, because it should impose a broader law to accumulate all the concerns. For example a simple facebook user, how can the law force him to admit that he is currently living in the Philippines? We members of SWA, we can easily deny that we are here in the Philippines or pretend that we are in other country when we joined SWA. The only thing the law can point us is that we tag our friends who happen to be here in the Philippines but it cannot assure that we are also here in the Phil. I hope you get my point. I made this little comment on your blog to clear the minds of readers regarding your accusation of SWA being a SCAM. I ALSO WANT TO TAKE THIS OPPORTUNITY TO TELL READERS OF THIS BLOG THAT THE PERSON WHO DIRECTLY ASKED ME TO BUY THE EBOOKS AND BE A MEMBER OF SWA IS CURRENTLY AT SAUDI ARABIA. SO, CAN SOMEONE TELL ME THAT IF MY FRIEND MADE AN ILLEGAL BUSINESS HERE IN THE PHILIPPINES WHEN I BOUGHT THE EBOOKS OR NOT? I CAN ANSWER THAT FOR YOU, IT IS A BIG NO… SHE IS NOT HERE IN THE PHILIPPINES, WHY WOULD IT BE ILLEGAL FOR HER? BUSINESS IS NOT CONDUCTED HERE IN OUR COUNTRY, AND THE ADVERTISEMENT DO NOT ONLY TARGETS THOSE IN THE PHILIPPINES BUT AROUND THE WORLD. I COME TO THOSE WHO ARE MEMBERS OF SWA. LET US STAND TO FIGHT FOR WHAT WE KNOW IS RIGHT. IT DOES NOT MATTER HOW LONG OR HOW SHORT THE ARGUMENT IS, WHAT IS IMPORTANT IS HOW YOU REVEAL THE TRUTH EASILY. FOR THOSE WHO ARE INTERESTED IN JOINING SWA, DO NOT HESITATE. ASKED SOME FRIENDS WHO ARE SWA MEMBERS KNOWN TO YOU IF YOU WANT TO JOIN.

  241. Cattie

    Thanks for this! Gosh, the comment section is full of *facepalm*… Ah, stupidity everywhere… see what the hope for FAST MONEY can do.

  242. Rey Pinyoco

    Wala pong silbi ang “Resell Rights” na sinasabi ng SWA kasi lahat ng eBook na naka-showcase doon sa SWA Library is actually available online – FOR FREE!

    Here’s an example, first five entries in the “SWA Library” list!

    1) Tiger Music Loops – Music Templates / Audio / Click here to download
    2) Concrete Confidence / Ebook / Click here to download
    3) Health and Wealth Magnetism / Ebook / Click here to download
    4) Achieve Prosperous Living / Ebook / Click here to download
    5) Kult Kingdom Tactics / Ebook / Click here to download

    and here are some the comple files taken from a simple Google search:

    1) Tiger Music Loops – Music Templates
    http://clextendedelibrary.weebly.com/uploads/1/8/0/2/18026543/tiger_loops_-_music_templates.wma
    2) Concrete Confidence
    http://www.slideshare.net/artisambrose/concrete-confidence-2ljfd-13552376
    3)Health and Wealth Magnetism
    http://www.slideshare.net/SimeonTheDove/health-and-wealth-magnetismpdf
    4)Achieve Prosperous Living
    http://www.slideshare.net/johnbrown00/achieve-prosperousliving-2bh2q
    5)Kulit Kingdom Tactics
    http://cmshtctrob.files.wordpress.com/2012/12/killersubscribertrafficrevealed.pdf

    Simple Google search lang po yan! Wala akong inilabas na pera at hindi pa ako nagpagod.
    Basically, pinagkakakitaan lang ng SWA ang mga files na ito which was already available for FREE to the public!

    Parang Yolanda relief goods lang a, binigay na nga ng libre para sa publiko ibebenta pa raw ng mga nakakuha.

  243. Giovannie Virtudazo

    Thank you for sharing bro!

    http://supremewealthallianceultimate.com/business-permit/

    totoo ba ito?

  244. Grace Marcelino

    sana pinag aralan mo nalang maigi ang SWA baka kumita ka pa!!!!

  245. mark

    Sa mga nag SWA SWA
    basahin nyo pong mabuti ung article
    at tanong ko lang po sainyo
    Paano pag nasali nyo na lahat ng kamaganak mo ?
    Paano pag nasali nyo na lahat ng kapitbahay mo?
    Paano pag nasali nyo na lahat ng kaibigan mo?
    Paano pag nasali nyo na lahat ng friend mo sa facebook ?
    Paano pag nasali nyo na lahat ng tao sa Pilipinas ?
    Paano pag nasali nyo na lahat ng tao sa buong mundo ?
    Paano na ung mga huling sasali sa SWA sino pa iiinvite nila?

    ito lang masasabi ko hindi life time ang SWA

  246. Erill

    Good Day,

    Pwede rin po ba kayong magkaroon ng review about 99wealthonline, planpromatrix, eclub40, growingwealth, ptb at technowise360?

    Salamat po.

  247. bonju

    @Mark: TUMPAK ka kaibigan! pero malamang hihintayin nila na lumaki yung mga bagong silang para mairecruit uli.hehe.

    pero ito prediction ko sa SWA, bago pa man dumating yung time na ma ‘saturate’ na ito. magsasara na ito para maiwasan pa yung malaking iskandalo. Sa panahon na iyon, malaki laki na din ang tubo ni Chavez. Kaya habang maaga pa mga taga SWA at nagbibigay pa ng payout sa mga points na naipon nyo, e monitize nyo na yan at para mabawas bawasan din ang limpak limpak na kita ng founder nyo.

  248. Concernedcitizen

    So mga kuya curious lang ako:

    1. Papaano kapag hindi ka nakakuha ng taong marerecruit, pano ka kikita sa network marketing na to?
    2. Ano ang ROI mo dito?
    3. Say, magsara bigla ang SWA nyo na yan, what’s in store for those people na naginvest ng pera nila? At what rate or percentage mababalik ung pera na ininvest nila?
    4. Say, nagdecide na ang “investor” nyo na iback out ang investment nya sa SWA, ano makukuha nya?

    Kung sino man nakakabasa, paki sagot po…

  249. Alexa Kadusale

    You have the point, but how it helps people like us? do you think we step backward and stop doing it..hell noh, i understand your point brother, it is somehow creating a massive traffic to your blog? why SWA? why not other obvious scamming scheme program around?…^^ because swa is now having a massive members that could drive tru your website.

    Oh, well..good review, ican do the same..but could a blog/bloggers like you doing this kind of reviews win against those thousand members who earned from SWA? lets figure out..how about those other offline networking business? where people invested 7k to 12k, do you think they earned easily like what we earned here at SWA? Noh…thast why they called it 90/20 rules, justifying the percentage of people who earned from it. out of 100% only 20% earned for a living. Why those people keep their mouth shut, without even complains against those offline networking? they are full feed with trainings and brainstorming and brainwashing…with full of hypes and etc. Im not against them…But lets have to open our mind,

    There are companies operating online world, with the same system of SWA, same papers and etc.

    I believed, you are an activist as what i read about the author. You are a blogger, a designer and etc. wow thats great…why not focused on your own business? let people earn at swa and enjoy in it.=)

    Oh one thing, each program have their own system..like your blog? you have your own system..to get traffic from making this kind of articles. Good luck

    Disclaimer:
    Im not good in english, sorry for the wrong grammar and wrong spelling, pag bigyan nyu na lang ako hehe

  250. bonju

    @Concernedcitizen:
    eto ang mga sagot sa tanong mo:
    1. Kung wala kang marerecruit, kikita ka pa din sa pamamagitan ng recruit ng upline mo na pwedeng ipasa sa iyo. Tawag nila dyan “spill over”. Pero take note recruit pa rin yun, at hinde income based on selling of products. Bahala ka na if legit MLM or Pyramiding ang tawag mo doon. Pwede mo din ibenta ang ebook (yan ay kung meron bibili). Pero sa tingin ko sa recruitment talaga madami kita kasi yun ang tinuturo ang P3S (“Perfect” Pay Plan System).
    2. Ang ROI mo dito, minsan malaki depende sa bilis mo magrecruit. If wala, then magtry ibenta ang ebook kung meron man bumili. Kung wala basabasa ka nalang ng ebook pag may time.
    3. Hinde na maibabalik ang pera mo na ininvest, magdownload ka nalang ng mag download sa SWA library (kung sakaling open pa sa time na magsara na ang business) ng kung ano anong ebooks at basahin para makabawi man lang maski papanu.
    4. Pareho ang sagot sa No. 3.

    Sana nakatulong ito sayo Concernedcitizen. 😉

  251. Cristina Garcia

    Hhhmmmm better stop ARGUING guys….
    Its upto us nman if we gonna stop or go en Go prin!!
    Walang makakapigil sa members ng SWA..
    i dont care if it is legal or illegal aslong na kumikita ka for ur family..
    Go lang..
    Di nman kmi nangaagrabyado eh dhil kumikita rin lhat ng narerecruit nmin..
    Mawala man ang SWA in the future nabawi na ang pinuhunan nmin..
    En the same tym prang partym lang dba..
    Kung sa mall nga meron hindi nareregular sa work.. 6mos. Contract lang..
    Ilan taon nba ang SWA??

    so ihave no tym arguing with that nonsense issue..
    Waste of tym lng yan..

    Wla nman magpapatalo sa inyo noh…

  252. John De Guzman

    Hi, ngrresearch po ako sa SWA kc curious ako sa dami ng nkkita kong post my gusto lng po akong linawin gusto ko po sanang sagutin ng Article Writer… i think kaya po nagagalit mga member ng SWA is dahil sa word na SCAM ?

    *ang tanong po tama po ba na gamitin ang word na SCAM?
    *ano po ba ang SCAM at pano po masasabi na naScam ka kasi po sa pgkakaalam ko once na sinabing scam meaning niloko ka or ung binayad mo wala akng nkuhang kapalit parang hit and run gnon po ka sa gaming like RO hehe…

    so meaning po ba my naloko na or my nahit and run na na members? na after nilang mgbayad eh wala silang nkuha para sa binayad nila?

    sa mga members naman po respect nalang po naten ung opinion nya wala naman po tyo mggawa kasi opinion nya un my ksabihan nga “You can’t Please Everybody” dba? tama ba? hayaan nyo nlng po sya sa gusto nya.

    1. Howard Chan (The Student)

      Hi John, dunno if you read the article pero I did outline there qng bakit tinawag qng scam at illegal ang swa. Scam ang swa dahil ung buisness model nia ay labag sa article 53 ng Consumer Act. ang article 53 ang nagbabawal ng mga pyramiding scam. Illegal ang swa dahil hindi xa registered sa SEC pero nagcoconduct xa ng business sa Pinas.

      Oo nga’t opinion lang ang article na ito pero nakalahad naman lahat ng resources ko – mga legal at factual basis. Kaya sana un ung sagutin ng mga SWA members at iwasan na lang nila ang mga mabababaw na argumento at wag atakehin ang mga personalidad dito.

      1. John De Guzman

        i think the best word po na itawag sa SWA is ILLEGAL not SCAM… since according po sayo it’s like my prob sila or kulang sa mga para maging legal ang business nila. kasi po para sa akin hindi po scam ang SWA kung my nakukuha naman pong kapalit ang members like ebooks or mga perang ntatanggap nila. so para sa akin po SWA is ILLEGAL but not a SCAM. 🙂

      2. John De Guzman

        and yes po pala nabasa ko from start sir ung mga post kasi curious talaga ako… at ngtataka bakit SCAM ang tawag mo kasi po iba ung pagkakaintindi ko sa scam eh… i think po sa ibang tao khit d sila sure na illegal ang pnapasok nila basta kumikita sila ok lng po since pati naman po mga pulis at sundalo even US marine ata member nila according sa mga post nila.

        1. Alberto Block

          Kapatid na John kung nabasa mo naman pala from top to bottom yung article ni kapatid Howard eh bakit hindi mo maadmit na iscam si SWA?

          Tama lang ang term na scam sa ginamit ni kapatid na Howard. Bakit kamo?. Nakasulat naman sa article nya na ang BUSINESS MODEL na ginagamit ng SUPREME WEALTH ALLIANCE(SWA) eh pyramiding model.

          Pyramiding is classified or categorized as a SCAM on many different countries’ laws. Since ginagamit ng SWA na BUSINESS MODEL eh PYRAMID MODEL then technically, legally and evidently they are scam by nature with or without products they are automatically scam by nature.

          According to wikipedia(Pyramiding):
          “In a pyramid scheme, an organization compels individuals to make a payment and join. In exchange, the organization promises its new members a share of the money taken from ever ADDITIONAL MEMBER THAT THEY RECRUIT.

          Various forms of pyramid schemes are illegal in many countries including Albania, Australia,[3][4] Austria,[5] Brazil, Canada, China,[6] Colombia,[7] Denmark, the Dominican Republic,[8] Estonia,[9] France, Germany, Hong Kong,[10] Hungary, Iceland, Iran,[11] Italy,[12] Japan,[13] Malaysia, Mexico, Nepal, the Netherlands,[14] New Zealand,[15] Norway,[16] the Philippines,[17] Poland, Portugal, Romania,[18] Russian Federation, South Africa,[19] Spain, Sri Lanka,[20] Sweden,[21] Switzerland, Taiwan, Thailand,[22] Turkey,[23] Ukraine,[24] the United Kingdom, and the United States.[25]”

          Tingnan nyo karamihan jan eh major powers sa United Nations and some countries sa European Union and other progressive countries kabilang na po ang Pilipinas. Nagpapatunay lang na ang PYRAMIDING eh hindi sinasanto sa ibang bansa hindi rin sa USA(America) as some claimed na sa America daw central office nila so legal pinagmamamalaki nila. Jusko mali iyon nasa Belize which is nasa Central America. North America ang United States of America hindi porke Central America eh United States of America na.

          Now kung titingnan nyo wala jan ang Belize. At karamihan ng syndicate eh nagtatayo ng mga fraud companies sa jurisdiction ng Belize kasi legally protected sila and wala jurisdiction ang USA dun kaya ganun lang sila walang takot. Ayun ang problema.

          SWA is designed from the start and carefully planned to be founded sa Belize para protected sila from law suits internationally kasi alam nila illegal ang ginagawa nila. Mga digital pirates nga nagooperate sa mga bansang hindi mahigpit like Belize yan pa kayang mga pyramiding companies na disguised as MLM? .

          Scam is not just about walang naibalik na pera. Estafa or Swindling siguro mas close sa sinasabi mo na walang nakuhang kapalit. However, scam is sometimes synonymous sa term na Modus Operandi. Siguro naman familiar ka what is Modus Operandi?. Ang mga illegal and bad Modus Operandi nga eh ineexpose sa Imbestigador at XXX through observations at winwarningan tayo through television anu pinagkaiba nun sa katulad ng ginagawa ni kapatid Howard(analyzed,observed and researched ) in regards with SWA?

          No matter what legalities, paper works and registrations man isecure ng SWA kung ang BUSINESS MODEL naman nila eh scam by nature they are and will always be an illegal business entity and a fraud to be specific.

          Kung naunawaan mo from top to bottom yung article, I just don’t get why magkakaroon ng issue sa title ng artikulo sa taas kung tugma naman ang content nito.

          Kung ang Adzens nga matagal ko na wnwarningan mga friends because of the SAME PYRAMIDING BUSINESs MODEL ayan wla nakinig o anu nangyari sa Adszens? Kailan ba naging maganda ang pyramiding model in the first place? Still yan ang gamit na model ng SWA you can not deny that.

  253. Jeffery Morgan

    I really feel sad that a lot of Filipinos do not care at all that they may hurt someone in the process of earning money. Think about this: you are just paying 2500 as an initial investment and you have an unlimited earning potential. Yes you are… (clap hands!) But do you think that it will go on forever? It is not a stream of water that will continually flow from the bossom of mother earth. It has its end. We are still countable and time comes that not a single person will be placed as a downline. Would you be happy learning in the next year or new few months that millions or thousands investing in SWA is not getting a single time in return? Mister @Howard chan is only trying to make us become more proactive for what may possibly happen. Do not be blinded by the the evils of money. Money is not the root cause of all evils but if you became EVIL because of MONEY then you made money as evil.

  254. Daryl Lagos

    There is no Easy to Get Rich System, Laging my hardwork, patience and determination. What the Author is respectfully doing here is breaking down the points of the system. Totoo po ang network marketing, and hindi lang nagiging totoo minsan is yung systema, legality, at products. Sabi mismo ng DTI dapat equal value of money and makukuha mo na products. Check nyo din ang background ng MLM company, if your trying SWA go ahead. Sabi nga nila every business has a risk, kung kaya mo sige, kung hindi wag.

    Kudos to the author for major points. I am for network Marketing and sana wag masira ang industry sa pinas dahil sa mga nawawalang mga MLM company na ang nasa taas lang ang kumikita. Hanapin nyo ang my puso, totoo, my track record, legal, my magadang producto.

    God Bless!
    http://www.5-miles.weebly.com

  255. raijin

    andaming na butt hurt d2… huehuehue

  256. Bryan M Bagay

    ANO BA TALAGA ANG MAGAGAWA MO PAG NAG SWA KA???

    ONE OF THE OPPORTUNITIES TO HELP OTHERS IN TIME OF NEED IN YOLANDA'S STRIKE.

    Supreme Wealth Alliance COLLABORATED WITH VICTORY CEBU TO REACH AND HELP OUR KABABAYAN.
    WATCH THIS VIDEO: http://www.youtube.com/watch?v=YljzNmbVlbQ

    YOU CAN NEVER GIVE WHAT YOU DON'T HAVE, IN SWA YOU WILL HAVE EVERYTHING TO GIVE AND HELP.

    THAT'S HOW WE #CONNECT… #CREATE… #UPLIFTLIVES!!!

    P.S.
    BE A BLESSING IN YOUR OWN LITTLE WAYS. SWALAMAT SA MGA NAGDONATE AT TUMULONG PARA DITO!!! WE REALLY APPRECIATE YOUR GENEROSITY AND IT WILL BE BACK A THOUSAND FOLDS!!!

  257. Marcos De Jesus

    Kawawa nmn kayo mga POSER gawin nyo nlng po ng tama ang inyong MLM Business mahina kc kayo sa mga Strategy! hindi puro kayo paninira, ang mga POSER nga nmn oh! ang Insecurities nyo lumalabas na oh ha,ha, kahit anong gawin nyo malabo nyo mapabagsak ang SUPREME WEALTH ALLIANCE CORPORATION, kc po ang mga member d2 ay mga totoong tao hindi mga katulad nyong mga POSER..

  258. Carol Martinez Alberto

    I just finished reading the entire article and all the points are valid. I also observed that the rebuttal comments made by SWA members did not address the points written on the blog; the arguments were more of emotional rather than logical. I am yet to see a comment of an SWA member answering the author's argument here point by point.

  259. puma

    Hi blogger.can u kindly make a post or blog watever u call it sa royale business club. Scam ba or hindi?thank u so much.

  260. Ronald Machete

    FOR ALL NEGATIVE FEED BACKS, COMMENTS and BLOGGING AGAINST SWA, WE REALLY THANK YOU FOR THE EFFORT … IN THIS WAY, WE IMPROVED MORE, WE FILTERED WHO IS REALLY BELIEVING, WHO STILL HOLDING and WHO STILL WITH US….

    FOR YOUR NEGATIVE FEED BACKS.. WE PROVED OUR FAITH, WE STILL HERE HOLDING ON TOGETHER, HELPING TOGETHER AND WORKING TOGETHER TO ACHIEVE OUR GOALS TRU THE SYSTEM OF SWA.

  261. Kim Maica Palaypay Almario

    Affected kau kasi mga SWA KAU… hindi nyo alam ang legal s ilegal…

  262. Kim Maica Palaypay Almario

    Paano sasabogang ilegal? Hahahhaha royale business club ang pinakasikat ngayon!!:) legal na legal! Boooommmm

  263. bonju

    Pyramid Schemes

    As in Ponzi schemes, the money collected from newer victims of the fraud is paid to earlier victims to provide a veneer of legitimacy. In pyramid schemes, however, the victims themselves are induced to recruit further victims through the payment of recruitment commissions.

    More specifically, pyramid schemes—also referred to as franchise fraud or chain referral schemes—are marketing and investment frauds in which an individual is offered a distributorship or franchise to market a particular product. The real profit is earned, not by the sale of the product, but by the sale of new distributorships. Emphasis on selling franchises rather than the product eventually leads to a point where the supply of potential investors is exhausted and the pyramid collapses. At the heart of each pyramid scheme is typically a representation that new participants can recoup their original investments by inducing two or more prospects to make the same investment. Promoters fail to tell prospective participants that this is mathematically impossible for everyone to do, since some participants drop out, while others recoup their original investments and then drop out.

    Tips for Avoiding Pyramid Schemes:
    ■Be wary of “opportunities” to invest your money in franchises or investments that require you to bring in subsequent investors to increase your profit or recoup your initial investment.
    ■Independently verify the legitimacy of any franchise or investment before you invest.

    Source: http://www.fbi.gov/scams-safety/fraud/fraud#pyramid

  264. Emory Lyle

    Good day Mr. Author of this article. I just want to make a request regarding Royale Business Club International. Please make a review. Although I’m already a distributor of their products, I want to see from your point of view if the system of Royale is truly effective and if the company is a good networking company. I agree that a networking company purely relying on recruitment is a scam because as a business man, I don’t see it sufficient to sustain the operation of the company. Dapat malakas ang flow ng income through products and not recruitment. If anyone here is interested to be a real business man or business woman, please do not hesitate to ask me how. I am inviting those who want to have their own business to join Royale Business Club International.
    Here is their website – http://www.royalebusinessclub.com/rbcii_phil/
    You may send me an email so I can show you a business presentation of Royale. Wala pong commitment to. Just listen and if you like the system, then buy a package to serve as your initial stock of products. If not, it’s okay. No pressure.
    email me at emorylyle_lpu@hotmail.com

  265. bonju

    Pyramid schemes

    What is a pyramid scheme?
    Warning signs
    Protect yourself from pyramid schemes
    Do your homework
    Decide
    Report them

    What is a pyramid scheme?

    Pyramid schemes are illegal and very risky ‘get-rich-quick’ schemes that can cost a lot of people a lot of money.

    Promoters at the top of the pyramid make their money by having people join the scheme. Then they pocket the fees and other payments made by those who join under them.

    In a typical pyramid scheme, a member pays to join. The only way for the member to ever recover any money is to convince other people to join up and to part with their money as well.

    In contrast, people in legitimate multi-level marketing earn money by selling genuine products to consumers, not from the recruiting process. Be aware though, some pyramid scheme promoters disguise their true purpose by introducing products that are overpriced, of poor quality, difficult to sell or of little value. Making money out of recruitment is still their main aim.

    People often hear about pyramid schemes from friends, family or neighbours. Normally, pyramid schemes recruit members at seminars, home meetings, over the phone or even by mail. Now email, usually as spam, is increasingly used to recruit members as well.

    For the scheme to work so that everyone can make a profit there would have to be an endless supply of new members. In reality, the number of people willing to join the scheme (and therefore, the amount of money coming into the scheme) dries up very quickly. When the pyramid collapses (and they all do) relationships, friendships and even marriages can be destroyed over money lost in the scam.

    In Australia, it is against the law not only to promote a pyramid scheme, but even to participate in one.

    Warning signs
    You are offered a chance to join a group, scheme, program or team where you need to recruit new members to make money.
    The scheme involves offers of goods or services of little or doubtful value that serve only to promote the scheme (such as information sheets).
    There is a big up-front cost to pay for large quantities of goods.
    There are no goods or services being offered for sale by the scheme.
    The promoter makes claims like ‘this is not a pyramid scheme’ or ‘this is totally legal’.

    Protect yourself from pyramid schemes
    If it looks too good to be true—it probably is.
    Use your common sense: the offer may be a scam.
    Do not let anyone pressure you into making decisions about money or investments: always get independent financial advice.
    You can contact your local office of fair trading, ASIC or the ACCC for assistance.
    Beware of products or schemes that claim to guarantee income or winnings.
    Remember that family members and friends may try to involve you in a scam without realising that it is a scam: you should seek independent advice (from a lawyer or financial adviser)

    As well as following these specific tips, find out how to protect yourself from all sorts of other scams.

    Do your homework

    Pyramid schemes often look like legitimate multi-level marketing schemes. To tell the difference between them, ask yourself these two questions:
    1.Are the rewards you have been promised based on product sales (by either yourself or others you introduce to the scheme)?
    2.Are the products genuine products of real value, at a reasonable price and the type of thing that consumers will want to buy time and time again?
    If you are unsure or answered no to either of these questions, there is a real chance that the scheme is a pyramid scheme.

    If you have doubts about a particular marketing scheme, the ACCC, ASIC or your state or territory fair trading agency may be able to help. As with any other investment decision, you should seek independent advice (for example, from a lawyer or accountant) before you make a decision.

    Decide

    If you believe that an offer is a pyramid scheme, do not take part—it is very likely that you will lose your money and you could be breaking the law. If the offer was made to you by a friend or family member, you should also warn them that they might be involved in a risky and illegal scam.

    If you believe that the offer could be a legitimate multi-level marketing scheme, make sure you get independent advice before signing up or investing any money.

    Report them

    If you think you might be involved in a pyramid scheme, stop participating in the scheme immediately and contact ASIC, the ACCC or your state or territory fair trading agency. You can do this through the report a scam page on SCAMwatch. You should also warn other people you think may have been approached about joining the scheme.

    Have you been scammed?

    What to do if you’ve been scammed; Scams & the law; Report a scam.

    Source: http://www.scamwatch.gov.au/content/index.phtml/itemId/694266

  266. Aye Bellen Sr.

    ^_^

  267. Kei Eitch

    To the man who wrote this blog, Mr. Howard Chan, I give you my respect! Well said sir! This article/blog transpires how people are very curious about MLM, nagkataon lang na makulit at mahusay si Howard Chan at napaka-“educated” or let me say na napakagaling at napakatalinhaga ng mga binabato nyang arguments which is very factual. Kelangan ng public ang mga ganitong blogs which is very helpful sa mga gustong sumali sa mga MLM.

    And sa mga SWA members: its a mere challenge for you guys na PROVIDE US PROOF that you are a LEGIT MLM right here in this article/blog. Why??? So, we can erase the term “NEGATRONS” once and for all! Providing US PROOF will clear the term “SWA IS A SCAM”. PROVIDING A PROOF THAT YOUR BUSINESS IS LEGIT HERE IN THIS BLOG WILL SURELY HELP YOUR BUSINESS! Sad to say, wala kayong maipakita na evidence or arguement na legit kayo. Worst is, ang immature ng mga sagot nyo about the arguements presented by Mr. Chan. Nakakasira lang kayo sa mga ibang MLM companies. Kaya maraming doubtfuls, at ayaw sumali dahil sa isang factor na hindi sila makapag-present ng facts. Ang simple lang ng tanong ni Mr. Chan, and he even presented laws for his questions and para hindi kayo mahirapan eh sha na din mismo sumagot. Ang kailangan nyo lang po is PROVIDE PROOF THAT YOU ARE LEGIT!

    Again, hands down to you Mr. Chan!

  268. wella

    Makikiraan po ako kung pwede? ganito po kasi yan Mr. Howard Chan. Sa pagkakaintindi ko po sa iyong BLOG. Ang gusto mo po malaman ay kung nasaan ang legalities ng SWA? kung Registered po ba sya sa sa SEC. at legal po ba mag operate ang SWA dito sa Pilipinas dahil ang naipapakita lng namin ay registered sya sa BELIZE. so para sa inyo po ilegal na sya dito sa bansa naten. At scam ang SWA dahil wala namn po talagang binenbenta kundi recruiting lang? So yun po ang opinyon nyo.
    Sa opinyon ko namn po ay ganito. Tanungin ko rin Bakit po ang facebook tinatangkilik naten nasa amerika din ang opisina neto at amerikano ang founder? edi iligal din sila dito sa pilipinas? kumikita sila sa ating mga pilipino ng hindi sila nag tatax dito sa ating bansa? bakit po ang mga side walk vendor binibilhan naten ng paninda nila wala silang permit to sell kahit saang bansa bakit binibilhan natin sila? so ibig sabihin na scam ka na nila tayo? kasi mas mura po ang magiging tinda nila para kaya naten lahat ma afford. May sari-sari store din po ako dumaan ako sa systema na pagkuha ng Business permit, DTI at sa nakaka bwiset na pag bayad ng tax. TAX na mas malaki pa ang singil kesa sa piso pisong kinikita ko o tinutubo kong piso piso sa isang sachet ng shampoo at kape. Nagreklamo ako kung bakit ako lang sa lahat ng tindahan na andito sa amin ang may legal na papel sisingilin ng tax e samanatalang napakaraming tindahan na walang permit parehas lang ang paninda namin a parehas lang ang presyo. so mabuti palang nag dagdag tax din ako sa mga paninda ko. pra may ipangbabayad din ako sa tax. diba? pero kung ggawin ko yun walang bibili sa akin?
    Example namn po ng Legal na companya. Naalala nyo po ba ang CAP educational plan? Legal sila di po ba? naka rehistro sa SEC. pero bakit po sila sarado na ngayon? at wala ng nangyari wala ng nabayaran sa mga kumuha ng plano sa kanila? Bakit? kasi po nagpagawa na maraming opisina, sa iba’t ibang lugar sa bansa naten, kumuha ng madaming empleyado na ssweldohan at doon napunta ang pera ng mga taong nagbabayad sa kanila pra sa insurance ng pag aaral ng mga anak nila? ano pa? pinang invest nila sa ibang negosyo ang pera ng mga meyembro pero ano po ang nangyare? pinahiram sa mga negosyante pero naluge din wala ng bumalik.
    so sa opinyon ko po walang namang masamang plano ang SWA sa mga meyembro nya. ang hangarin ng SWA ay ang abot kayang membership fee. sa halagang 2,500 lang. Hindi gaanong malaki at hindi rin namn masyadong maliit. Kung magtatax kailangan taasan ang singil sa miyembro, kung magtatayo o rerenta ng opisina kailangan din ng karagdagang singil sa myembro. pero walng napakaraming empleyado na sswelduhan dahil gusto ng SWA ay abut kaya lang ang pagsali at sa mga myembro ang higit na makinabang. ang e-books po ay bonus nalang kung tutuusin. At ang mga sumasali po sa SWA ang gusto nila ay yung sistema ang pay plan system, na lifetime na once nakasali ka na. Wag po naten isipin na hanggang kelan ka may ma rerecruit kung lahat ay na recruit na. imposible kasing wala ng ipapanganak ng mga bagong tao dito sa mundo na tatanda at mag aaral at matutuo mag internet diba? pwera nalng po kung magunaw na siguro ang mundo lahat tayo tapos ang mga masasayng araw naten dito sa lupa.
    Bakit po ang ibang MLM business hindi nyo ba napupuna? Magpupuhunan ka ng malaki para maging member nila para sa combo pack nila na produkto na kailangan mo pang ibenta pra bumalik ang pinuhunan mo daw at tutubo ka pa. Hindi ba’t ikaw ang unang pinakinabangan ng kumpanya nila? ikaw ang unang nabentahan at na bumili at ikaw na rin ang taga tinda nila? sa umpisa palang ikaw na ang pinagkakitaan nila at ikaw pa rin ang pagtitindahin. para ano? para hindi na sila kumuha ng mga empleyadong sswelduhan para hindi rin sila mag tax ng malaki? para ang pang tax nila e galing din namn sa mga perang binayad ng member nila. taga benta ka na taga bayad ka pa ng tax. at dahil din sa pera ng myembro nakapagawa ng malalaking opisina o remerenta ng magagandang opisina. diba? opinyon ko lng po mga ito. paki correct nalng po ako kung mali ako.
    Pero sa SWA po magkano nga ba ang investment o mas malinaw na term na MEMBERSHIP FEE dito sa SWA? Sa halagang $55 dollars o 2,500 pesos yan tama? Saan nga ba napupunta ang $55 dollars mo na ibabayad sa SWA? $5 dollars ay mapupunta sa SWA as admin’s fee.Syempre bawat ginagawa sa swa ay may kaukulang bayad halimbawa na lang dyan ang pag activate ng iyong account, pag papanatili ng main server sa branch ng SWA sa Belize Central America, bayad sa mga nag aasikaso ng payout request o earnings mo, pag aasikaso ng mga pay ins. Pagbabayad sa mga magagaling na IT support, programmers, Tech Teams. $30 dollars naman ay mapupunta sa SWA PAYPLAN SYSTEM 1.-Sa payplan 1, ang bawat miyembro na makakabuo ng 2×2 matrix, o sa madaling salita, 6 people under you mapa direct referral mo yan o spill over sayo ni upline, makakatanggap ka ng $70 dollars or $90 dollars kung mabuo mo na ang 7 direct referrals para magkaron ng $90 dollar matrix commission. Kung gagawa ka ng matrix 3 consists of 3 matrix, YOU, your no. 2 and no. 3 na kikita ng tig $70 dollars x 3 head = $210 dollars or $270 dollars kung $90 each na sila.

    in short… eto ang possible maging kita ng 3 tao na pinag sama sama:
    = $210 dollars or $270 dollars
    eto naman ang possible maging kita ng SWA sa 3 group of matrix ng 3 tao na ito:
    =$240 dollars or $180 dollars
    sa madali’t salita, sa bawat kita na maibabahagi ng SWA sa 3 leader ng grupo na yan a
    total of $210 or $270 dollars for payplan 1
    at may kita si SWA a total of $240 dollars or $180 dollars sa buong group na yan for payplan 1.

    Ngayon partner, tatanungin kita, KUNG IKAW SI SUPREME WEALTH ALLIANCE FOUNDER/OWNER/MASTERMIND NG BUSINESS NA ITO???

    at nakapag pamahagi ka ng $210 – $270 MILLION DOLLAR as earnings of your members?

    ITATAKBO MO PA BA ANG KITA NG MGA MEMBERS MO KUNG KIKITA KA DIN KASABAY NILA NG $240 MILLION OR $180 MILLION DOLLARS NA DIRECT KITA NG NAITAYO MO NA BUSINESS? KUNG KAYA MO NAMAN KUMITA NG KAPAREHAS NG KINIKITA NG BUONG MEMBERS MO?

    Siguro naman po kung talagang kumikita ka sa naitayo mong business, malabo mo itakas yan tama po ba?

    At higit sa lahat, lahat po ng members ng SWA ay nakakapag request at nakaka receive ng kanilang earnings any day of the month, 3-5 working days ang processing ng payout request mo bago mo makuha sa preferred bank/remittance centers.

    Balik na ulit tayo sa PAYPLAN.

    Ang iyong $20 dollars naman ay mapupunta sa payplan 2, which is ang tinatawag naming
    3 UP PASS UP SYSTEM

    – Ang 3 up pass up system ay direktang ibinabayad sa mga members nito ang bawat $20 dollars ng new pay in member na mag jojoin sa SWA. Ito ang kanyang sistema:

    sabihin natin nakapag refer ka ng 7 tao, so automatic, dapat, may tig $20 dollars sila na ipapasok sayo, so 7 person x $20 = $140 dollars, pero dahil sa ganda ng sistema ng SUPREME WEALTH ALLIANCE, ganito ang nangyari:

    jot down natin:
    1st referral – $20 dollars nito ay mapupunta mismo sayo
    2nd referral – $20 dollars nito ay mapupunta sa UPLINE MO
    3rd referral – $20 dollars nito ay mapupunta sa UPLINE MO
    4th referral – $20 dollars nito ay mapupunta mismo sayo
    5th referral – $20 dollars nito ay mapupunta sa UPLINE MO
    6th referral – $20 dollars nito ay mapupunta mismo sayo
    7th referral – $20 dollars nito ay mapupunta mismo sayo
    8th referral onwards – $20 dollars nito ay mapupunta na sayo lahat

    eto ang magandang part dito:
    ang 1st, 4th, 5th, 6th, and 8th referrals mo onwards ay magpapasa sayo ng kanilang 2nd, 3rd, 7th referrals, at lahat ng naipasa nila sayong 2,3,7 referrals ay mag papasa na naman ng kanilang 2,3,7th referrals, so imagine, lahat ng tao na naipapasa sayo, ay magpapasa na naman sayo, hanggang sa humaba na ng humaba yung mga taong nag papasa sayo ng $20 dollars.

    1. EWAN KO SAYO

      ang tanga netong post nato. basta ang tanga lang. hoy! alam mo ba yung “micro business”? yung yung mga sinasabi mong sari sari store at bangketa na binibilhan mo, for your information, ilegal sila, (yung mga tindera sa bangketa) kaya sila hinuhuli. at yung mga sari sari store naman ay hindi kelangan mag tax. shunga ka! magdadahilan ka lang, tagilid pa

      1. wella

        Huwag mo akong tawagin na shunga @EWAN KO SAYO!. dahil ako mismo sa sari sari store ko dito sa angeles na kinuhanan ko ng business permit at pina rehistro ko pa sa DTI ay taon taon ni rerenew ko kasama ang pagbabayad ko ng TAX. Kung magsalita parang alam mo lhat. e ang kinkwento ko ay expirience ko mismo sa tindahan ko. maraming nagsarang maliliit na tindahan dahil sa sobrang taas nilang maningil sa tax sa mga naka rehistrong maliliit na tindahan na akala nila tumutubo ng malaki o limpak limpak. piso pisong tinutubo ko sisingilin nila ng tax na pitong libo sa isang taon. ano un di na kmi magbabayad ng monthly bills di na kmi kakain wala ba kmi ibang gastusin? kya nga ako nagjanap buhay sa pagtitinda pra may pang gastos kami tapos gusto nila ibayad ko lang sa tax nila e sa pamimili ko palang ng paninda nag tatax na ako. buset!

    2. phangs

      walang kautak utak tong post mo ms. wella. Alam mo isa sa nakakabwisit na ugali nyong mga members, bigla na lang kayong sumisingit sa usapan sa facebook para mag advertise. kaya automatic pag may facebook user akong nakikitang nagpost ng about SWA, nire-report ko agad sa facebook para ma-ban ang account.

    3. Bryan

      SWA – SEC – REGISTRATION #: CS201407120

      WHY SEC (SECURITIES of EXCHANGE COMMISSION) is NEEDED in SWA and DTI is not needed?

      The Department of Trade and Industry (DTI) is the Philippine government agency that governs the registration of business names in the Philippines.
      > If you’re business is in the form of single proprietorship, a DTI registered business name is one of the important requirement to be able to register your business with the Mayor’s Office and Bureau of Internal Revenue (BIR).

      For corporations and partnership form of businesses, their Securities and Exchange Commission (SEC) registration is already sufficient for their trade name. However, many incorporators and partners are still registering their trade name with the DTI to ensure that their names will not be used by others.

      1. mimiSWA

        Huh? Alam mo ba pinagsasabi mo Mr. Bryan? Alam mo ba meaning ng Manufacturer at representative at pano sila related sa “CHAIN OF DISTRIBUTION PLANS”?. Ano ba ang minamanufacture ng SWA at pano ito apektado sa CHAIN OF DISTRIBUTION? pakibasa ulit. salamat. Nagmamarunong.

    4. kissdxb

      Recruitment nga ang main product hindi e-books….duhh..

  269. bonju

    “ang e-books po ay bonus nalang kung tutuusin. At ang mga sumasali po sa SWA ang gusto nila ay yung sistema ang pay plan system, na lifetime na once nakasali ka na. Wag po naten isipin na hanggang kelan ka may ma rerecruit kung lahat ay na recruit na. imposible kasing wala ng ipapanganak ng mga bagong tao dito sa mundo na tatanda at mag aaral at matutuo mag internet diba? pwera nalng po kung magunaw na siguro ang mundo lahat tayo tapos ang mga masasayng araw naten dito sa lupa”, quoted from Wella.

    @ Wella: sa haba ng paliwanag mo, paumanhin po pero pinagtibay mo ang struktura ng SWA na isa nga itong PYRAMID SCHEME. Illegal po ito, bakit? eto ang isa sa mga sagot ng Australian Competition and Consumer Commision:

    Pyramid schemes are illegal and very risky ‘get-rich-quick’ schemes that can cost a lot of people a lot of money.

    Promoters at the top of the pyramid make their money by having people join the scheme. Then they pocket the fees and other payments made by those who join under them.

    In a typical pyramid scheme, a member pays to join. The only way for the member to ever recover any money is to convince other people to join up and to part with their money as well.

    In contrast, people in legitimate multi-level marketing earn money by selling genuine products to consumers, not from the recruiting process. Be aware though, some pyramid scheme promoters disguise their true purpose by introducing products that are overpriced, of poor quality, difficult to sell or of little value. Making money out of recruitment is still their main aim.

    People often hear about pyramid schemes from friends, family or neighbours. Normally, pyramid schemes recruit members at seminars, home meetings, over the phone or even by mail. Now email, usually as spam, is increasingly used to recruit members as well.

    For the scheme to work so that everyone can make a profit there would have to be an endless supply of new members. In reality, the number of people willing to join the scheme (and therefore, the amount of money coming into the scheme) dries up very quickly. When the pyramid collapses (and they all do) relationships, friendships and even marriages can be destroyed over money lost in the scam.

    In Australia, it is against the law not only to promote a pyramid scheme, but even to participate in one.

    Eto pa: http://www.fbi.gov/scams-safety/fraud/fraud#pyramid.

    1. wella

      @Bonju paumanhin din po. pero ang pinapaliwanag mo naman ay batas sa australia. Pero andito po tayo sa pilipinas.

      1. bonju

        @ wella: SWA is operating worldwide at hinde lang sa pinas, besides definition ng Pyramiding sa Australia at kahit saan pa man ay walang pinagkaiba.

  270. Power ranger

    Pa ebooks ebooks pa kayo e hindi niyo naman naintindihan nilalaman ng article ni Mr. Chan.

    Ibig sabihin wala kayo tiyaga magbasa at mag-intindi.

    Paano niyo nga naman maiintindihan, mag-recruit at manloko lang ang alam niyong SWAers!

    Ay grabe! Payaman! Power! Nakakabaliw! Dun kayo sa mental hospital!

    1. wella

      Power ranger. nagbasa po ako. binasa ko ng buo ang article ni mr. Howard Chan at hindi lang ito pati ibang blog nya na patungkol talaga sa SWA. Huwag kang mang husga na parang alam mo lahat ng pagkatao ng miyembro ng SWA. ngayon kung may time ka po at may tyaga magbasa. paki basa nalang din ang comment ko na mahaba sa itaas. tnx. and God bless.

      1. Aya

        MISS WELLA. Sa lahat po ng SWA members na nagcomment dito ay kayo ang may pinaka-sensible na sagot. Naiintindihan po namin na masakit na masabihan kayong pangkalahatan na “scammers”.

        Pero look at it this way, ma’am. Lahat kayo at malamang lahat ng nagbasa nito ay alam na hindi kikita ang mga members hangga’t di dila nakakapagrecruit.

        So basically, kinuha ng uplines niyo yung pera niyo at kailangan niyong manguha din ng members para mabawi niyo ang investment niyo. Hindi po ba parang mali ang ganitong sistema? Na kikita ka lang dahil nakakuha ka ng member na nagbayad at napunta sayo at sa upline mo ang binayad niya? Kawawa naman po yung mga nsa ilalim.

        And the fact na may legal basis ang blog na ito ay hindi maipagkakaila.

        1. NoToSCAMMERS

          Nice Explanation Aya.. Tama nga naman.. Bakit ba di makaintindi yung ibang mga SWA members.. binasa ko lang mga comment nyo halos mgkakaparehas lang tanong nyo at paulit ulit lang… lahat naman nang tanong nyo nasasagot pero pag SWAers na ang tinatanong todo iwas na o kaya puro emotional nlang sagot..

          Sa mga nagco2mment na SWA members please naman basa basa din.. Lahat nalang kayo paulit ulit sinasabi eh.. napaka @#@# nyo naman..

  271. Timothy Joseph Sahagun

    I really enjoyed reading your article regarding SWA, I guess the SWA members would lash back at this since their motto is 'ignorance is bliss'

  272. SWA Gelobin

    Lol I wasted my time reading this blog. Anyways nice blog.

  273. thrown

    im not a businessman but what i know about business is plain simple. you limit your competitor to gain more profit. Kung nagtitinda ka ng buko juice sa lugar nyo at kumikita ka dito, sasabihin mo ba sa mga kapitbahay mo na magtinda din sa buko juice para kumita din sila? you are crazy if you will say yes.

    in networking, laging sinasabi ng mga members na “tutulungan kita kumita”, “be openminded”, “oppurtunity na to”, etc. the problem is what if lahat na ng kakilala mo, kakilala ng kakilala mo, kakilala ng kakilala ng kakilala ng kilala mo eh naging member na? so ibig sabihin wala ka ng kikitain sa recruitment man or kung meron mang product na binibenta ang mlm mo. epic failed na.

    sa SWA naman. juice ko. anong ebooks ang pinagsasabi nyo? eh kaya ko ngang idownload yang mga ebooks na yan for free tapos ibibenta nyo saken? and take a closer look…hindi nyo naman minamarket ang pagbibenta ng e-books eh kundi yung RECRUITMENT! ang sinasabi nyo eh kikita ka sa RECRUITMENT! kumita na ba kayo sa pagbibenta ng e-books?

  274. jerome vergel

    wala silang pakielam basta kumikita sila..wala silang pakielam kahit scam yung pinasok nila dahil nga they are gaining from it, there are trillions of people here on earth so SWA will reign for many years because they can recruit people, a lot of people..they will know its downside if they can no longer recruit sa tingin ko oo kumikita kayo ngayon dahil sa mga recruit recruit na yan ang point ng blog na ito eh para ipakita na hindi legit ang ginagawa nyo, panu kayo kumikita?sa pag rerecruit diba?wala kayong ibang pinagkakakitaang iba hindi paba panloloko yan?hindi ako nag co comment basta basta sa mga ganto pero nasosora ko sa mga sinasabi ng mga SWA member na “hindi to scam dahil kumikita sila” uulitin ko kumikita kayo dahil ang daming tao ang peepede pang irecruit in all this shit at doon nyo nakukuha ang pera na kinikita nyo, kung kaya nyong sikmurain ang ganyang kalakaran sige sabihin nyong “PRoud member ako ng SWA”

  275. Eyth Tiu

    argue kayo ng argue wala naman magagawa yan.. maski ireklamo ang swa wala din naman mangyayari.. sa mga ng sasabe na scam ang swa eh di ireklamo niyo maging realistic lang tayo na wala din naman magagawa yan.. sa mga kapwa ko naman networkers.. hala sige lang mg parami at mg payaman! God bless sa lahat..

    wag kasi mainit ang ulo hehe =P

  276. Jaycee Munro

    Well said Kei Eitch.. I to support Mr Howard Chan for his blog. To those SWA member please be mature in replying in this Blog and before commenting with nonsense read the whole blog first. Dahil sa totoo lang yung mga members na nang SWAers na kumikita na dahil sa SWA ang apektado nito dahil nahihirapan na sila magrecruit tingnan mo mga comment immature na.

    There’s no legal way of earning a Fast Money like SWA is posting at FB, if this is possible why the fuck would everyone still work why not everyone Join your f#@#ing SWA and earn easy money…

  277. Sean Tiu

    Napansin ko lang sa mga comment section, napaka uneducated and illiterate magsalita (or in this case, magtype) mga aledged "Loyal, Die Hard, SWA members". Ang ignorante niyo! Hindi niyo ba makuha? Ang ginagawa ng SWA, ay ninanakawan kayo, tapos kayo naman nanakawan niyo rin ang ibang tao para mabawi ang nanakaw ng SWA sa inyo, tapos yung biktima niyo nanaman magnanakaw sa ibang tao, and so on! Wow. Ang galing niyo, tapos sasabihin niyo "business" lang yan? Nakawan? Sumali nalang kayo ng gang, parehas lang ginagawa niyo!

  278. Aldwin Perez

    Bago po kayo manghusga alami mo muna kung anong dulot ng SWA .
    Personally ang laki ng help sa akin ng SWA dahil isa po akong undergrad at isang dakilang tambay bago ko nakita ang SWA .. pero ngayon 3 months na akong member at kumikita na ako .. kaya masasabi kong life changing opportunity ang SWA at hindi lang PERA PERA dito dahil nababago ang mindset nmin sa buhay ng dahil sa mga PRODUCTS ,

  279. Glenda

    Hi Mr. Howard Chan I am also a member of SWA I am not gonna argue about your article and the way you look at SWA. I joined SWA hindi dahil lang sa malaki daw ang kita dito mainly the reason I joined talaga ay dahil sa mga e-books nito marami kc clang e-books na talagang interesting na basahin. It is so hard for me kc to find free e-books download, mostly ang daming kailangang gawin, compressed dito unzip don and download ka pa ng ibang files para bumukas ung e-book na gusto mo and etc.., unlike sa Library ng SWA I just download it and open it as PDF na kagad.
    Well kaya nga pala ko nagcomment dahil I just wanna ask kung may natanggap na po kayong reaction or comment sa mismong founder ng SWA? Coz mostly po kc ng nababasa ko na comments mula sa members lng po. Siyempre po ako as a member ng SWA gusto ko rin po na makabasa na pinagtatanggol ng founder ung business nya tama po ba ako? Hindi pa po ba siya nagbibigay ng statement or reaction nya sa article nyo? Kasi for me marami po kayong points kung bakit nyo sinasabing SCAM ang SWA… Sana makarating na sa founder ng SWA itong article nyo….

  280. Richard Mabzicle Maboloc

    These SWA Members are SPAMMERS on group. Is it ethical? Even though, its part of your job, do they ask themselves, is it worth to flood?

    Again,sabi nila..wala naman kaming ginagawa sa inyo..

    Sabi ko.. Wala nga pero panay TAG at SPAM kayo….

    Kahit sino-sino pwede, hey… research kayo sa stock market, affiliates, forex, global trading,… ni isa walang napagsabing EASY MONEY…

    yung iba sabi nila, requirements PC at INTERNET lang.. hindi po may bayad 2500(investment yun) pero tika..yung 2500 hinati yan sa mga upline…

    Aggressive din etong SWA members.. at panay comment para makipag-tanggol sa kapwa SWA.

    SWA at MX7 express pareho yun ebooks na binebenta…

    hindi ba kayo ng research sa track records ng CEO nyo?

    Really? http://www.mabzicle.com/2013/07/can-you-really-earn-money-with-swa.html

  281. vicmar

    Mr. Howard Chan:

    I am an active member of SWA. I have read the entire blog. Thank you for telling us these things. The effort made to research the business is something to re really be amazed. Your blog about SWA is really beautifully made backed up with facts. Honestly, my faith about the business was shaken.

    However, after reading your blog and was shaken a little bit. I have realized that you and your blog is a test of my faith and belief of the business. SWA is 2 years old. It’s not perfect and i don’t think it will. Thank you for reminding us of our imperfections and from this i will try to help SWA as a business because this business have helped a lot of people not only Pilipinos but other nationalities as well. You have just helped me move a bit higher in my understandings about life and business. I don’t brand you as a “NEGAtron” neither a “crab” but a “Lifter” or a “Helper”.

    Again, thank you very much. SWA will continue to connect people, create wealth and uplift lives. Sore high SWA Ultimate.

    1. SMLyell

      The blog is a crap. 🙂 Go ahead and do all stuff that you are planning . Let us see how far you can go. It’s sad that you have such a mentality ..:) Ipagdadasal kita BRAD ,.. TO EVERYONE REACTING TO THIS .. KALMA LNG … SWA helped us all .. An opinion of one will not change the fact that 35000 members have been helped by the system . Shhheeeesssssshhh .. BRAINS OF NEGATIVE PEOPLE … 🙂

      1. Vigilante

        35K members helped already? how? lahat b kumita?
        LOL

  282. Nelson Buena

    Lol. do they even know what a pyramid scheme is? thanks for the article mate!

  283. David Ong

    Kudos to the author of this blog in helping Filipinos be aware of the new MLM today, which could be a scam because it focuses MORE on the recruitment than its products. Promises of big returns from an investment in a short time is almost always a scam.

    Remember AMAN futures was promising a 100% return in investment in just a month. And in this SWA, it’s even more than that. Just my two cents worth.

    Please refer to this article:

    How to Identify an Internet-Based Pyramiding Scam or Ponzi Investment Scam?

    Because of the widespread of pyramiding/ponzi schemes in the internet, the Securities and Exchange Commission (SEC) of the Philippines laid out the features of an internet-based ponzi investment scheme in their website (sec.gov.ph):

    1. No SEC registration
    2. Investment in foreign currency, preferably in US dollars
    3. Offers or guarantees a huge profit in a very short period
    4. Utilizes a binary network (i.e. upline and downline) to earn commissions
    5. No paper trail (i.e. contracts, receipts)
    6. Promises little or no financial risk
    7. Provision for a lock-up period where an investor cannot touch the investment (i.e. 60 days)
    8. Assures pay-off investments in a short time
    9. Uses high-pressure methods to convince investors to reinvest their earnings
    10. Unknown principal office, address, founders, directors or officers
    11. Orientation seminars are conducted informally

    Mr. Chan, I suggest you report this SWA to the SEC immediately for further action before more people are scammed. Thank you and More Power.

    Source:
    http://www.topbusinessfinance.com/load/investing/how_to_identify_an_internet_based_pyramiding_scam_or_ponzi_investment_scam/4-1-0-50#ixzz2r8XlDJL1

    The PDF file for this is located @:

    http://www.sec.gov.ph/investorinfo/Ponzi%20Investment%20Schemes.pdf

    1. Howard Chan (The Student)

      Hi Sir, I already did. Last month.. still waiting for their reply.. Thank you for sharing those links and the article on here. 🙂

  284. BENIGNO AQUINO SR.

    I SAY BAYAAN NATIN NA MATULOY YANG SWA… PARA yung mga GREEDY at tamad na pinoy na umaasa sa biglang yaman na walang hirap eh maturuan ng leksyon…

    pag may nasagasaan yang chaves na yan eh patira nyo nalang yan sa quiapo ahahaha

  285. angtangamowella

    ANG ALAM KO ang mga nagbebenta ang binabayaran ng kompanya hindi yung baligtad…

    puro kagaguhan lang tong SWA na to… imagine ikaw na magbebenta ng produkto nung kompanya ikaw pa magmamakaawa na magbenta at babayaran mo pa sya?

    SIRAULO lang sasali sa ganito… WELL MARAMI tayo niyan sa PINAS MGA SIRAULONG GUNGGONG NA SIMPLENG LOGIC LANG HINDI MAINTINDIHAN…

    BAT KA MAGBABAYAD PARA PAGSERBISYOHAN YUNG galunggong na kumpanya… BALIGTAD!!!

    YUNG mga SWA na nagcocomment dyan magdasal na kayo kayo iiyak pag sumabog yang kagaguhan nyo

    1. wella

      wow. ayos ng name mo ha. talagang sabihan pa akong tanga? basahin mo po mabuti ang comment ko sa taas. dahil napakalayo yata ng sinasabi mong sinabi ko. parang hindi mo po naiintindihan at bara bara ka lang magbasa. magbasa ka po mabuti at intindihin. dahil wala ako sinabing nagmamaka awa kming magbenta ng produkto tapos kmi pa magbabayad?

    2. weng

      Wag naman po ganyan ang words nyo ….

      cguro naman po mr Chan dont make blogs para murahin mo kapwa pilipino mo..

      masaya po kayo na tayo tayong magkakababayan nagsisiraan ?..

      MR CHAN GOD BLESS PO ,, MORE POWER FOR MAKING BLOGS PO..

      MAGANDA PO ITO KC KAPWA PO PINOY NAG AAWAY AT NAGMUMURAHAN 🙂

      1. weng

        EVERY ONE OF US HAVE THE TO TALK BUT PLS YUNG SABIHAN NYO ANG KAPWA NYO NG GAGO AT BOBO DAHIL MEMBER CLA NG SWA??

        MEET ME AT GIVE ME ALL THE THINGS I NEED FOR MY FAMILY AT TITIGIL AKO SA PAG SWA ..
        WALA AKONG MASYADONG ALAM ABOUT LAWS …

        YOUR SO PERFECT PEOPLE NAMAN PO TO THROW BADWORDS FOR THE SWA MEMBERS …

      2. Howard Chan (The Student)

        Weng, wala aqng minura ni isa dito.. qng babasahin mo mga comments ng ibang swa, xla po ang nagmumura sa akin.. may death threat pa nga sa akin… ung pagmumura ng ibang tao sa mga SWA members labas na aq doon kasi wala aqng control sa mga gusto nila sabihin.. the worst I called SWA members is “scammer” pero I backed that up with factual and legal basis…

        1. Leen

          Hi Mr Chan! I think positive ang sinabi ni Weng 🙂 Medjo hndi lng clear ang pgdeliver.

          Wag naman po ganyan ang words nyo ….(referring to those people na nagba-bad words)

          cguro naman po mr Chan dont make blogs para murahin mo kapwa pilipino mo..(Ang ibg nya sabhin, hndi mo naman daw po cguro ginawa ang blog pr mgmurahan ang members)

          masaya po kayo na tayo tayong magkakababayan nagsisiraan ?..(again, referring to those people na kausap n nya sa itaas)

          MR CHAN GOD BLESS PO ,, MORE POWER FOR MAKING BLOGS PO..

          MAGANDA PO ITO KC KAPWA PO PINOY NAG AAWAY AT NAGMUMURAHAN 🙂

  286. job

    Haha laban ng matalino at bobo. 😀

    1. Vigilante

      hahahaha

  287. domoshiz

    kuha popcorn 🙂

  288. Paolo Acelajado

    Thanks for the post Howard, I am not pro-SWA, nor against pero I've seen some of my friends post on my walls, tag me, or even post on some groups with these annoying pitches. Di ko sure kung sila ba tong nagpopost na to or yung system mismo.

    I admit I am not a member of this system and never will be, kasi yung $55 is still a big money, I can invest it on somewhere else…

  289. Reina Labausa Mariano

    sige, isumbong mo na sa media…kailan nga lang nafeature sa GMA at ABS ang SWA, SCAM pa rin ba???

  290. akosiako

    Dear Wella….nakakatawa yung sinulat mo cyempre hindi ka na scam nung mga tindera sa bangketa pero ilegal yun hinuhuli yun yung CAP wala akong idea ano nangyare , at oo dapat nag lagay ka ng extra patong sa paninda mo kung reklamo mo walang bibili mali ka ng reklamo, dapat reklamo mo yung mga tinderang ilegal yun ang dapat na ginagawa mo pero sabi ko nga ultimo yung buko vendor ilegal yan kasi may tabak sila considered lethal weapon hindi lang hinuhuli kasi barya lang nga yung kita ….pag dating sa SWA million yan 2500 sa isang member kukuha ng anim e imagine-in mo nalang yung kinita nung nasa taas kaka recruit lang wala naman TUNAY na trabaho kahit man ako nalulungkot pag kinukumpiska yung mga candy na nasa bilao ng matatandang sidewalk vendor sinasabi ko
    lagi yung “dami daming pwedeng huliin bat yung maliit pa yung kinikita wala naman na peperwisyo” pero wala ilegal talaga yun e

    AND kaya ako natutuwa e (i can’t stress this hard enough) kahit saan ka mag punta sa pilipinas man o sa labas …. yung explanation mo YAN NGA MISMO YUNG STRUCTURE NG PYRAMID SCHEME !!

  291. Ciena Marla

    The basic point of this article is to RAISE AWARENESS to those people who do not know anything about the SWA business but are curious to what it really is. They become empowered to make SMARTER DECISIONS through these kinds of articles–instead of relying PURELY on word of mouth.
    Now, it is still up to the individual whether to believe this or not

  292. Ciena Marla

    Of course the author has made valid points to ponder on, especially the part wherein SWA is not legally registered at SEC. I also find it weird that they say that since they operate in CYBERSPACE they do not need to have a physical office to begin with, citing facebook and other social networking sites as examples. I am sure facebook is has their own headquarters, so why can't SWA produce an office (even just for the sake of saying that they are actually existent–a small four wall room won't make a dent in the SUPPOSEDLY huge profit that its members are accumulating right?!)

  293. jov vee

    How to Distinguish Between a Pyramid Scheme and Multi Level Marketing:
    Pyramid Scheme

    Understand the definition: A pyramid scheme is a non-sustainable business that involves the exchange of money, usually in the form of a sign-up fee, and usually has no product or service.
    Look for other identifying characteristics: (1) Vague descriptions about the company from which your questions can only be answered by signing up and paying the fee; (2) No product or service being offered or a product that sells at a highly inflated price; (3) A majority or all of the possible income to be made comes from the sign-up fee from new enrollees;
    Multi-Level Marketing

    Understand the difference. Multi-level marketing companies follow a similar concept to a pyramid scheme, which is a reason for most of the confusion, except that two significant differences exist.

    One difference is that members at any level of a multi-level marketing model can make income through the company’s products and/or services without signing up any new members. The second difference is that members of any level in a multi-level can earn more than the people who signed them up. Finally, multi-level marketing companies are LEGAL!
    Join only a legit mlm company!
    Aim Global. ^_^

  294. Charm Buffe

    Copy pasted this from http://philnews.ph/2012/09/29/francis-chaves-supreme-wealth-alliance-ultimate-ceo-and-founder/

    B.Mueller/Germany December 18, 2013 at 8:21 pm
    First at all “Sorry” for my poor English. I am a German. I hope that you will be able to understand everything, even with all the misspellings and wrong tenses.

    I am 45 years old, and myself was in these MLM-businisses for more than 20 years. At a time where most of the members of SWA (and all the other companies) weren’t born. Means that I am not a blind man who’s talking about colors. I know very well about what topic we talk.

    You can call it a snowball-system, or a pyramide-game, or pilot-game, or a gift-circle, or whatever. Because over the last 2,000 years this child got many different names … but the system behind the curtain is still the same.

    Ask yourself what kind of product do they sell? They sell “eBooks”? Means they make Mio of $$$ by selling eBooks??? What a joke! Well, the official “anker” are the eBooks, because this was needed for giving this company a legal look. The truth is that most of the money is coming from finding new pay-willing staff members, who are in the hope becoming rich in shortest time and therefore willing to pay for the entree before earning some money.

    Let’s take a look how such a system can work:

    For this example I will use the “1-to-6-system”. Means 1 member has to find 6 new members before getting a payment. Of course every of these 6 new members have to find other 6 new members. Let us imagine that we will play this game up to stage 12.

    stage 01 = 1x 6 = 6 members must be found
    stage 02 = 6x 6 = 36
    stage 03 = 36x 6 = 216
    stage 04 = 216x 6 = 1,296

    stage 07 = 46,656x 6 = 279,936
    stage 08 = 279,936x 6 = 1,679,616

    stage 12 = 362,797,056x 6 = 2,176,782,336
    stage 13 = 2,176,782,336x 6 = 13,060,694,016 (collaps)

    Why after stage 12 is arrived the system will collaps at stage 13?

    Well, the world population is the total number of living humans on Earth. As of today, it is estimated to number 7.131 billion by the United States Census Bureau (USCB). Okay, so 7.131 billion is the world’s population, but sadly for stage 13 we need 13.060 billion members. Short: We need a 2nd planet earth!

    Let’s think about the slogan “changing the lives of Filipino citizens”. Seems that this would be the main intention of SWA. How nice. But why did they not registered the company in the Phils and under the Philippines laws???

    Well, the main reasons for having registered this company (in this case “SWA”) in Belize (central america) are the simple tax-rules there in Belize and the low-money-budget for opening a registered business what gives a company legal-look. That’s what most readers will think, or even will believe. But the fact is, that in near to every country on this globe such a system is not allowed and therefor illegal. Not only here where I live (Germany). It is illegal in Albania, Australia, Austria, Brazil, Canada, China, Colombia, Denmark, the Dominican Republic, Estonia, France, Germany, Hong Kong, Hungary, Iceland, Iran, Italy, Japan, Malaysia, Mexico, Nepal, the Netherlands, New Zealand, Norway, the Philippines, Poland, Portugal, Romania, Russian Federation, South Africa, Spain, Sri Lanka, Sweden, Switzerland, Taiwan, Thailand, Turkey, Ukraine, the United Kingdom, and the United States. But what a wonder, it is not illegal there in Belize! Why not even there? Because there in Belize they don’t ask questions; they only want as most registered companies as possible. A paradies for all the criminals and scamer round the globe. And of course perfect for the generation “Internet”.

    Want to learn more?
    http://en.wikipedia.org/wiki/Pyramid_scheme

    Of course you can find photos of happy SWA-members … with holding a big cheque (check) in their hands. That’s part of marketing and promotion: “Give some friends a cheque and let them smile into the camera and publish these photos, and uncountable stupid people will follow blind”.

    With greetings from Germany. Take care, and God bless.

    – See more at: http://philnews.ph/2012/09/29/francis-chaves-supreme-wealth-alliance-ultimate-ceo-and-founder/#sthash.xDZyUR9z.dpuf

  295. Serenity Gatchalian

    PARA SA AKIN MEJO SCAM SIYA. ANG NAKUKUHANG PERA NILA/ SWELDO EH NANG GAGALING DIN SA MGA DOWNLINE NA NAUUTO NILA NA SUMALI HINDI NAMAN PINAG HIRAPAN ITO “NAG FB KA LANG KUMIKITA KA NA” BAKA NAG FB KA LANG MARAMI KA NG MAUUTO.

    PAKI SAGOT SWA PAG WALA KA BANG NA CONVINCE NA DOWNLINE MO EH KIKITA KA BA SA FB HINDI KASI YUNG TINATAPON DIN NG MGA DOWNLINE NA PEWRA NILA NAPUPUNTA SAYO.

    YUNG IBA NA NAKAKABILI PA NG CAR AT BAHAY NAKU AKALA MU NAMAN FULL NILA NABAYARAN PARA IPAG MALAKI NILA EH BUWAN BUWAN NAMAN BINABAYARAN. IPAPAKITA PA MAKAPAL NA PERA NILA EH PANG DOWNPAYMENT LANG NAMAN SAKA SASABIHIN NAKABILI NA AKO NEW CAR AT BAHAY GAMIT ANG SWA.

    WALA KA NAMAN PINAG PAPAGIRANM TALAGA SA SWA EH KUNDI NAPAPAGOD KANG NAG UUTO AT NANLOLOKO. TO BE HONEST MEMBER DIN AKO NG SWA PERO TINIGIL KO NA KASI WALANG KWENTA.

    ====PARA SA AKIN MAGANDANG KUMITA KA AT PINAG PAGURAN MO DUGOT PAWIS KAY SA NAMAN IPAPAKAIN MO SA ANAK AT PAMILYA MO EH NAKAW NAMAN. NAKAKAHIYA KAYA YUN AT KASALANAN SA DIYOS PA ITO.====

    HAMON KO SA SWA KAYA BA NG SWA NA KUMITA NG WALANG NILOLOKO, INAAGRABYADO AT INUUTO. TO SWA MEMBERS NA PINAG TATANGOL NILA COMPANY NILA OKAY LANG YAN KASI BATA PALANG TINUTURUAN NG MAG NAKAW. PARANG NAPOLES DIN ITO EH.

    1. NoToSCAMMERS

      IDOL Serenity.. ^_^ oh anu SWA puro sila may point

  296. Serenity Gatchalian

    ANG SWA EH PARA SA MGA TAMAD NA TAO. SABIHIN NYO NGA SWA MAY GINAGAWA BA KAYONG PINAG HIRAMAPAN SA SWA WALA NAMAN. NAKAUPO LANG NAGPAPALAKI NG TYAN NAG TATAG NG MGA WALANG KWENTANG PICS ISTORBO KAYO.

  297. Jóhn Roníll Obordo

    Naku idemanda na ng libelo ang nagsulat ng article na iyan. Sa dinami dami ba naman ng networking company na nagsulputan sa mercado, bakit iyan pa ang pinagdidiskitahan mo. Bakit iyan lang ba ang networking company na meron sa market? Hindi diba? Lahat ng networking company may kanya kanyang business presentation iyan. Kung hindi ka kumita sa pinasukan mo, na sayo ang dahilan wala sa networking company mismo. At tsaka yung mga members rito vouluntaryo na sumasali hindi pinipilit. Marami na ang nabago ang buhay sa tulong ng SWA. Sige try nyong sumali sa SWA? Anong effort na gagawin mo dun pag naging miyembro ka na? Sige nga? Kung against ka sa SWA, edi fine wala kaming pakialam at wala rin kaming pakialam sa mga negatibong tao katulad nyo na nagsasabing scam daw ang SWA.

  298. Ryan Solo Montilla

    Hayaan nyo na lang itong blog na ito at wag ng magpa-apekto kasi ganito na talaga ang tao ngayon.

    May gawin kang di maganda may di magandang sasabihin, at kapag may ginawa ka namang mabuti may di magandang sasabihin pa rin. Saan ka pa?

    Kaya Just Ignore it, you are just wasting your time guys kung papatulan nyo ito. Just focus na lang tayo sa business natin.

    HOW TO JOIN SWA? – http://www.onlinegosyo.com/swa.html

  299. Lemuel Jay Saclanas

    thank you po d2 sir. lahat po ng points nyo ay may mga basis. and sana nga sir mapagtuunan na to ng gobyerno. swa member po ako, pero gus2 ko po talaga malaman ang legalidad nitong swa na ito. btw, nice blog sir 🙂 keep up the good work ^^

  300. Hathor Retribution

    Howard Chan, don't even try and pretend that none of the authorities haven't noticed SWA yet.. you said it yourself.. majority of the facebook accounts are "teeming" with our ads/posts. Internet is even better and faster medium than tabloids para makita ng kung sino man authority "in-charge" sa sinasabi mong law na nagsasaklaw sa cyberspace or digital products. So yang sinasabi mong gumawa ka ng campaign para mapansin ang SWA is useless or unnecessary.. you and i both know SWA "already is FAMOUS". Two years in operation na nga.. you still think wala parin nakapansin? tsk..tsk..tsk..

    Eto nalang.. if you really believe that SWA is violating any law..then so be it. SWA and all its thousands of members (including me) will then be held accountable and shall answer to the right authorities, NOT to you.. because it is their duty and it's certainly NOT YOURS.

    Just LIVE and LET LIVE.

  301. Doris Cayumba

    Hi author just want to ask, how about aim global is it also a scam?

  302. Sprinter

    Howard, your actions against this scammers is really admirable. Keep up the good work! I’d just like to point out that instead of linking to their sites, you should instead attach a screenshot. The more that you link to their site constitutes a vote for Google that’s why most of their blogs are on top of search rankings.

    To SWA mambers,
    Let this serve as a warning,,, the heat is on you and as per info above, SWA’s domain registration ends February next month. Kung magtrip si Chaves na mag renew, that means tuloy and business nyo. But if he decides not to renew the domain name, you’re out of luck! The website will disappear and that means your business is over! He’ll leave you all and set up a new campaign similar to this one. Unless you’re using half of you brains, you might fall into this same money making scheme! I feel sorry for all of you.

    Check popular domains like Sulit.com.ph, Pinoyexchange and Yugatech. These doamins are registered for at least the next 5 years. Dahil may plano silang mag stay. Unlike you SWA domain na yearly lang nireregister. P500 pesos lang ang domain registration pero kahit limpak na ang pera ng founders nyo, wala silang planong ipagpatuloy ang business nyo.. bleh…

  303. Great Online Job Opportunity-SWA Buraidah

    Swa is not a Scam, and how you say that SWA is a scam,? dahil ba nasa Networking ka din?
    Masasabi ko na Scam ang SWA, kung sa ibinayad kung $55 dollars ay wala itong kapalit, sa mga ebooks palang na kapalit ng ibinayad ko upon my membrership in SWA, ay masasabi ko na sulit na sulit ang $55 dollars ko, kahit hindi na ako kumita sa SWA. Kaya kung sinasabi mo na Scam ang SWA, yun ay dahil ang gusto mo lang kumita ka sa SWA at hindi mo gusto ang mga ebooks, But, then before kami magpapasali dito sa SWA, ipinapaliwanag namin kung paano ang process ng pagkita ng pera dito sa SWA . At hindi namin kailangan pilitin ang ayaw na sumali dito, Unlike other Online Network Market Business, na ipinagpipilitan pa nila ang na mag member ako sa Business nila. That's only my Point, SWA is Not a SCAM..

  304. Benjh Maliga IV

    Mr. Howard the author of this blog, i have read someones comment who brags about you being a full time student, part time web blogger, web designer and web manager. Do you pay taxes? may i see a copy of the returns? this will be subjected to the Laws by the BIR. You use computer? Are your softwares licensed? That is a criminal offense, also known as PIRACY. She said you are only blogging this for awareness, then do not use the title, "SWA is a SCAM", you are judging. say it like this, "Is SWA a SCAM?" that is how it should be if you are talking about awareness unless the comment i read is just speaking for herself. Rest assured, I pay my taxes because i earn it here in the Philippines.

  305. jerome

    hmmm nice points… pero why bother if even government does it? in fact everything in this world is a bigfat scam? want proof? watch this http://m.youtube.com/watch?v=iFDe5kUUyT0# . i mean why dont you just let them be? and please do me a favor.. dont be a hypocrite by saying that they should be taxed and registered to all those legal sectors because i know that you know it to yourself that you hate being robbed by the government by having your wage, taxed.. i think swa, legal or not legal, is legit in terms of helping and guiding people to their financial freedom.. i mean, cmon man, swa already paid their members cold cash! there is evidence! kase ang pagkakaalam ko ang scam is giVing money for nothing in return.. pero meron e.. may nakukuha ung mga members.. Now, about dun sa issue na what if ALL people joined swa? do you really think that this world may run out of prospects? no!that alone is impossible! in every minute there’s too many babies born, everyday there’s too many people turns at legal age.. and you still think that that would happen? hmm about ebooks, yes, that maybe their greatest fail but i think that their products is more helpful in everyday life IF you know how to read and understand of course… parang ganun din naman sa ibang network yun e.. bakit? pag nagkalugian ba papayag ka bang mamahaling gluthatione na no therapeutic claims ang babayad sayo? ndi rin naman ah.. (maiba lang labas tayo saglit sa mundo ng netwrork) sa ibang callcenter nga pag nagkalugian, yung ibang employee naccut off e. minsan delayed pa nga sweldo e, mantakin mo yun? oras mo, pagod mo tapos darating sayo bawas na, may tax pa, higit sa lahat delayed pa… malate ka lang konte tsaka mapaabsent ka lang, minsan iffire ka na nila kase “tamad” ka raw, pero ang totoo nag coxost cutting sila… kaya ako, personally dun na ko sa may matututunan ako.. pwede ko pang magamit sa kahit saan.. pano? iapply ko lang yung matututunan ko, magkakapera ako e… bakit pag ang glutha ginamit ko magkakapera ba ko? kung ibenta ko man ang glutha, oo mag kakapera ako PERO once lang, di katulad pag may knowledge ka halimbawa ng pagluluto na nabasa mo sa ebook nila, ndi lang one time bigtime yun! pwede mong ulit ulitin yung skills na naaquire mo from those books to even make more money.. and i personally saw one of their ebooks, its very helpful, straight to the point and no b.s. kaya sulit na sulit din talaga yung pag babasa mo.. and oo hindi sya fairytale books and novels na mabenta talaga sa market kase i think swa aims to educate people and not giving them bullshits about this vampire who loves cockroaches in a fantasy world. its natural that their ebooks must be about business because… it’s business! now, please don’t answer me that knowledge that you may acquire from swa is free and must be free because it can be downloaded freely over the net because it’s not… bakit? sa sobrang hirap hanapin sa net ng mga contents na nasa swa library, aba e talaga namang magbabayad ka nalang KUNG gusto mo talaga ng copy… haha sinubukan ko e… inabot ako ng syam syam.. haha anyway just to clarify somethings out, im not here to argue with the author, i just want to help those guys who wanted a change in their lives… i say give them a chance and don’t judge em as if they were all criminals because they’re not… they are people.. people who wants to help other people by telling other people of what they think is right. people business for short. peace out

    1. Sprinter

      Jerome, im sorry to say that you have just displayed how stupid you are. Im sure you’re just a poser making people think that you’re not a member of SWA when in fact you really are. If you;re a man with half a brain, you can just type “best business books’ and then google will give you thousands of suggestions. Your argument is to justify that you paid P2500 to acquire a library of ebooks that you won’t even finish reading in your life time. When you can just buy an ebook for $2.99, even less. That’s less than P200.00. And you get to choose the “best” ones. These books won’t make money for you. You have to implement the lessons and take action. Not RECRUIT!

      You SWA people can make yourselves believe in what you’re saying all you want. But the fact that you;re all too defensive says a lot that people are starting to realize this scam that you’re all having a hard time recruiting. shame on all of you. You’re market is saturated. You’re all in the brink of crumbling down..,

  306. Charity

    Here oh…nagemail ako sa SEC. And look sa reply nila. Hindi ko pa lang makita sa site nila kung aling advisory. Pero siguro in time mauupdate din at makikita ko din yung advisory na sinasabi nila
    https://dl.dropboxusercontent.com/u/30428222/swa.png

    1. Howard Chan (The Student)

      Thank you Charity! You are of immense help here! I also emailed SEC a month ago but I did not receive a reply. I did scour their page for that advisory but nada! We’ll wait.. I also emailed BIR because a lot of these alleged SWA millionaires, if they are really millionaires, should be paying the right tax… Again, Thank you!

  307. amiel

    para walang away MAG AIM GLOBAL NALANG KAYO!! :))
    CASE CLOSE!!

    1. Howard Chan (The Student)

      Hmmm… magawan nga ng research iton aim global na to.. dami niong nag-aadvertise dito ah.. hehe

      1. Mike Ramos

        Yan ang the best sir gawan nyo ng research ang AIM Global. Pra mas marami pang Filipino ang matulungan.

      2. Denz

        kumusta na ang research mo about aim global Howard Chan?

        eh yung emails mo sa SEC (January 30, 2014 comment)? nag reply ba sila sau?

        #panayangemail

        1. Howard Chan (The Student)

          DENZ wrote:

          kumusta na ang research mo about aim global Howard Chan?

          eh yung emails mo sa SEC (January 30, 2014 comment)? nag reply ba sila sau?

          #panayangemail

          ANSWER: lol, bakit ka interesado? backseat muna un.. lol.. dami q ginagawa, wala naman bayad sa akin para mag-research ng qng anu-anong MLM jan..

  308. Tony Bautista

    I love this blog!!! makes SWA more popular…Thanks!

  309. thrown

    hindi ko din makita yang advisory ng SEC regarding SWA. . .

  310. bonju

    SEC has not yet issued advisory on SWA. I think Atty. Monserate of SEC is referring to this. http://www.sec.gov.ph/investorinfo/Ponzi%20Investment%20Schemes.pdf

    Anyhow I also sent email to SEC regarding SWA and they replied back. I sent a scanned copy of the letter to Howard in his email howard@uberdigests.info.

  311. Eugene Mejia

    iba talaga ang swa sa comment nyo ginaganahan ako lalo..kung naiinggit ku manahimik ku

  312. Hisashi C. Auman

    I 'd rather invest my money in binary system than this piece of crap and plus I earn in dollars, and sure you don't get rich but it pays the bills and its all legal,

  313. Rbèh Ynopia

    The person who wrote these don't know anything about the product that SWA is offering. Better shut your mouth, If these SCAM why am I earning from this online business huh? The reason why you wrote this your not earning in your online business am I right? True SCAM are those online business that will only get your money and then run away and gone like bubbles. This is a Licensed a Company homo unlike your illegal company. Live a descent life will and stop doing this. LOL!!!

  314. Rbèh Ynopia

    DO YOU KNOW WHAT'S THE REAL PROBLEM IS? CRAB MENTALITY!! Yan po ang totoong problema sa karamihan sa ating mga Filipino! Right?

  315. Cmn Franz

    Putang inang scam na iyan! SWA mga sawa!

  316. Ripper LlJackll

    Mr.howard, hindi ako member ng kung ano man na MLM pero marami akong mga kaibigan na member ng MLM. ang na obserbahan ko lang sa mga MLM lahat sila nag rerecruit ng member so ibig sabihin lahat sila ay pyramiding scheme. Ano-ano ang pinag kaiba nila?

  317. Gem Tadefa

    Just found this article. A good read I must say. I am not against SWA or to anybody here. But after reading the comment section. Darn. Please people, read the article before posting your comment, it is not the blogger wasting his time writing about AWARENESS, its yours writing NONSENSE rebuttal. Seriously. If you want to really fight for SWA, then give the author of this blog a good battle.

    Hindi ito patalinuhan. Eto ay pagbibilang sa iilan na nagbabasa ng article na eto. hahaha Thats all!

  318. Chef de la Franz

    I am so allergic,when people talks about the legality in bznz…let us say,SWA is illegal..ok its illegal,but people earn from it fairly,unlike those INSURANCE COMPANY,that is legal but look what had happened?the CAP,the PRUDENTIAL????those are legal..ryt?pero me napala ba ang mga investors?wala din di ba?FUCK LEGALITY when JUSTICE grind SLOWLY….tanong nyo sa mga LEGAL PLANHOLDERS VICTIM….

  319. ArAC

    NOW KO LANG NABASA ANG KAPIRASO NITO & I FEEL SAD NA TAYONG MGA “MALILIIT” AY NAGBABANGAYAN! NAKAKATULONG KAYA TAYO SA KAPWA NATIN? BAKIT HINDI KO YATA NAKIKITA ANG GANITO SA BIGTIME/BILLIONES NA SCAM PERPETRATED MISMO NG MGA MAMBABATAS NATIN – NA ANG NILOLOKO MISMO AY ANG BUONG TAONGBAYAN? MAY “NANGYARI O NANGYAYARI” NA BA?

    ISANG DAHILAN KUNG BAKIT KAILANGANG MAY OFC SA ‘PINAS AY DAHIL SA TAXES NA DAPAT MAKUHA NG GOBYERNO, NA PARA SA TAONGBAYAN, DBA? NA HINIHIGOP LANG DIN NG MGA BIGTIME, HIGH-RANKING SCAMMERS NA PINAGKATIWALAAN AT IBINOTO PA NGA NATIN, DBA?
    ANOTHER REASON AY PARA SA MGA VICTIMS NA MAKAPAGREKLAMO. I AM ASKING ANYONE & ALL NA SUMALI O SUMASALI, SINO SA INYO ANG NAGREREKLAMONG NAKAKAPAG-INVEST NG 2500? THEN, GO TO BELIZE.

    PEDE BA TAYONG MAGTUTULONGAN? SINO SA INYO ANG MAKAKAPAGBIGAY NG GOOD, BETTER OR BEST ALTERNATIVE? SASALI AKO SA INYO KUNG MALIITAN LANG DIN. (YAGIT EH!)

  320. Chepipoy

    Sa author ng article na ito at sa mga negative sa SWA. A message for you,
    Kiko talks about NEGATIVE BLOGS, COMMENTS, REACTIONS about SWA ..

    Watch this: http://www.youtube.com/watch?v=KzblqVItKB0

    1. pining

      beautiful blog and very factual daw yung blog nato sabi nung isa sa cult leader nyo o ano sagot nya? haha he is a christian lmao kulto na yan! he pulled out the religion card hahaha me isinagot ba sya dun sa mga argumento nung blog na to ..WALA.! naindoktrinahan na kayo kulto na yang pinasukan nyo. lmao

      1. GrazeBee

        LOL. I also watched the video, I thought intelligent rebuttals and explanations would be heard because it’s their “coach” nga eh, pero napaka-weird naman na nag-divert ang usapin sa faith and God, etc. etc. TSK! Parang strategy nila to, alam mo naman ang Pinoy, masyadong emotional. Hehehe

    2. pining

      hahaha tinakbuhan na kayo nung coach kiko nyo ( aka cult leader) tshirt naman daw ang gagawan nyo ng market lmao. mga uto uto eh pa fb fb lng yayaman ha hahaha

  321. Aye Bellen Sr.

    TO the owner of this blog may i ask you one thing? are you a member of SWA? are you successful man in this industry? are you an activist? are you a member of some NON organization? are you aware of what are you spreading news? are you a business? are you christian? if not its okay ^_^

  322. Manoymoves

    One thing ma notice mo sa replies nang mga Swa members. The same rehashed/recycled response word for word (copy/paste), restating the same point na kumikita kami kaya di siya scam o bat walang nag rereklamo sa gubyerno o walang nag file nang kaso. Remember sa simula ng Aman at ibang pang ponzi schemes kumikita pa lahat at walang nagrereklamo or nag dedemanda, until sumabog at nagka-alaman na. Ni isang comment ng swa member dito di pa naka bigay ng rebutal sa points ng author, pareparehas lng ang reply and when all else fails resort to name-calling, bashing, and/or accussation of crab-mentality.

    Sa mga anti-SWA naman wag masyado i generalize lahat ng swa members at murahin ng todo. most if not all are misinformed lang or kasi napasukan na kasi nila kaya panindigan na lng. Yan ang mahirap satin mga pinoy. Most of us gusto yumaman kaagad with least amount of work at masyado din tayong trusting to a fault.

    To the author, saludo ako sayo. Atleast di ka napipikon sa mga comments na most of the time eh purpose lang is to incite a violent reaction, sumasagot ko pa rin. tama ka nga it seems na more of recruitment ang source of income nila unlike other networking companies na pwede ka lng maging retailer lang ng produkto nila. As the saying goes with regards sa investment. If it’s too good to be true, it most probably is not.

  323. Manoymoves

    At sa nag post ng vid ni kiko. Maganda yung mensahe nya at maganda pagkasabi at positive naman. Pero maganda sana yun kung pinagusapan natin ay RELIHIYON. one does not just put blind faith on investments. Walang sinabi yung vid to counter ang claims ng blog kungdi sabihin na just have faith At yung faithful sa swa ay magantimpalahan. Test of faith daw nila itong blog na to.. Wow ginawang relihiyon ang negosyo..

  324. akosiako

    Buwahahaha !! nakakatawa yung video walang batayan e basta may belief saka basta may faith “negative ka” or “mahina pananalig mo”

    nagbigay din siya ng dalawang pwede mong gawin “ipagpatuloy yung swa career mo” or “give it up and tell say it won’t work”

    sabi din niya “but at the end of the day, sino ba talaga yung mga nagiging sucessfull? yung taong punong puno ng doubts and fears o yung punong puno ng faith and belief” ahahahaha

    and hindi naman kayo jina judge as criminals sinasabi lang na ilegal yung SWA wala naman siyang POINT na pang counter argument tho’ he said that he’ll point out some things that ain’t right when he said “most points are correct but i have to say that some are not” (pero wala naman !! )

    in short e sinabi lang niya na yung mananalig sa SWA ay magkakaroon ng reward but believe me sa 6 na kilala kong SWA members 1 lang yung nagantimpalaan at cyempre pa yun yung nag recruit sa 5

    walang pinagkaiba sa poor na argument ng ibang SWA members, pinagkaiba lang may religious background yung si kiko javier at mas magalang kumpara sa ibang iSWAter dito sa forum

    ang nakakatawa pa sa video e scripted na scripted yung dating ng likes saka dislike pero di naman nakakagulat puro swa members lang din naman nag likes niyan may logo pa yung iba sa profile pic e

    nakaka bwisit lang na kelangan sabihing pagsubok yung mga blog na kagaya nito …….putaYnah naman kasi diba?! kapag napatubo niya yung buhok niya gamit ang pananalig at walang tulong ng science sasapi ako sa swa sige total wala naman daw imposible kung talagang may pananalig kang matinde

  325. Jc Ricaro

    Hindi ako manloloko ng mga kaibigan ko para kumita ng pera. (Y) Good writing sir.

  326. thrown

    you can get tons of info about MLM in the internet.
    http://en.wikipedia.org/wiki/Multi-level_marketing

    and sad to say, networkers fail to read this one…i guess

  327. John Patrick Verayo Ayaay

    d ko masasabing scam yan, d ko dn masasabing hndi scam yan pero ayon sa nabasa ko at sa pakikipagusap ko sa mga members, pansin ko e lagi nila sinasabi na panuorin ko daw ang video nila kc dun daw makikita kung panu ung business nila, e nkalagay lng nmn sa video e kikita ka sa pagrerecruit, walang sinabing magbenta ka ng ebooks which is nakakaduda tlga, well nkakainis lang po kc may nag fflood sa fb page ko pati sa group ng school namin meron, kung scam yan, sana matigil na yan at magising na sana ang mga kababayan natin, masyado kc sila nauuto sa sinasabi ng members na "mag facebook ka lang kikita ka na".

  328. Corner Stone

    SCAM!!!! PO ANG SWA. MEMBER KASI AKO NG, SWA I FOUND OUT, YUNG MGA E BOOK, WHICH IS NAKUKUHA LANG NILA LEBRE SA IBAT IBANG MGA BLOGGET. TAPOS COMFILE NILA, AT YAN ANG GINAWA PRODUCTS. KUNG D KA BA NAMAN TANGGA. ICIPIN MO SA HALAGANG 2,500 KAPALIT EBOOK NA NAKUKUHA LANG NILA NG LEBRE. NGAUN PABAGSAK NA TALAGA. JAN NYO NA MISMO MASABI NYO NA SCAM NGA PAG NAG CLOSE NA ANG SWA. GINAGAWA KASI STRATEGY NG MEMBER SA SWA, KATULAD KO. NAG POPOST AKO NG NAKA HAWAK NG PERA, KUNWARI INCOME KO SA SWA. PERO YUNG TOTOO. PERA KO YUN SA SAHUD KO. PARA LANG MA ENGANYO MGA FRIENDLIST FACRBOOK KO. MAKITA NILA YUN. PERO HA REALIAZE KO. MALI, MAPASALI KO ANG TAO DAHIL SA PAG GAWA GAWA KO NG GANUNG PARA AN. PERO KAYU NASA INYO, PATULOY NYO YAN. MASAY KA BA KIKITA KA SA ISANG TAO, DAHIL GUMAWA KA NG KASINUNGALINGAN PARA AN. MASAYA KA NGA KUMIKITA. PERO SA MASAMANG PARA AN PA RIN. PARA NA RIN INU UMPISAHAN MO SUNUGIN KALULUWA MO SA EMPYERNO, DAHIL TINUTURU AN MO ANG KARAMIHAN MGA TAO MAG SINUNGALING DIN, PARA DIN KUMITA CILA. GO HEAD IF PATULOY MO.

  329. Ritche Panaguiton

    i just read the whole article and it really makes sense… daming mga galit na SWA members kasi ndi nila matanggap na ung nasalihan nila ay ndi gaano ka legit. kaya they just choose to close their minds sa bad side ng knilang sinalihan kasi they can’t reason out the facts of what this article is presenting. eh kasi wla nmn tlgang clang laban.

    but hey… when all else fails. im just gonna be sitting on my couch in front of the TV watching the news about you SWA guys….

  330. Patrick

    I’m not against SWA or any other MLM companies (online or not) because I’m also a networker. Pero simple lang naman hinihingi ng article na ito. Hindi naman sinasabi dito na tumigil na tayo sa ginagawa natin, ang point lang is, if LEGAL ba yung ginagawa natin. Kung maipapakita lang sana ng SWA members yung legalities na hinihingi ng bloggers, palagay ko naman hindi na hahaba pa ang argumento dito. And pwede nyo siguro hamunin si Mr. Howard Chan na gumawa din ng BLOG, for his public apology, if mapapatunayan nyong mali argument nya (hehe). Or kasuhan nyo pa dahil pwede naman yun. At bilang networker as myself, tama naman kasi yung author sa mga issues na sinulat nya. Bago kasi ako pumasok sa MLM company na I’m in now, I see to it na kumpleto sila sa LEGAL documents at wala silang nilalabag na batas. Pwede naman kasi makuha yung copies ng legal documents kasi lantaran namang pinapakita ng kumpanya yun eh (yun ay kung legal nga sila). At saka, pangalan at reputasyon kasi natin yung nakasalalay sa pagpasok sa MLM, dahil in the first place, hindi maganda ang tanggap ng MLM dito sa pinas. Kaya dapat extra careful tayo sa pagpasok sa ganitong larangan. Again, walang mali sa pinili nating paraan para kumita ng pera, ang tanong lang ay kung legal at tama ba ang paraan na yun. -peace-

  331. deviljin21

    Ang sarap basahin nung article. Lalong lalo na yung mga comment. Sang katerba ang mga utak “Munggo” na naniniwala na mag kakapera sila ng madalian. Pa facebook facebook lang? PWE!. Mga iho at iha kung gusto nyong mag kapera magtrabaho kyo at mag sumikap sa buhay.

  332. online business

    HINDI SCAM ANG SWA… BLLEEHH,.. HAHHAHAHAHA..

  333. Kalell

    Me too, i have nothing against SWA or anything like this but i also agree with writer of the article that in a business, earning is not and can never be a basis of the company’s legitimacy but on its legality in doing such. Kasi kung kita lang pagbabasihan natin just like that statement ng ibang SWA members na “Sure Cash Ang Matatanggap” then wala na pala itong pinagkaiba sa drugs at Pork Barrel SCAM, kasi dun dilang lang “Sure Cash, Sure Yaman Instantly ka pa”. But when those things happened, kahit sabihin natin di tayo indirectly ang naloko but still most of us if not all are very much devastated with the effects at di lang yun, for sure lahat tayo ay nagalit. Kasi the bloggers point here is, if puede namang gawin Legal (with all the registration and papers needed lawfully) bakit di lang gawing Legal. Sabi nga diba, Innocence of the Law excuses no one. So kahit nakatulong pa tayo (sabihin na natin) as long as labag sa batas ILLEGAL pa rin yun. So again, for SWA people i have nothing against you guys or the business. If the blogger is wrong then prove him wrong. He is just merely pointing out SWA’s legality, and if you think he is really wrong then “SHOW HIM SOME PAPERS, REAL PAPERS’ guys. and one last thing, in real business world “ASSUMPTION has no place how much more verbal agreements”. Everything must be in black and white (with proof).

  334. Benjh Maliga IV

    Ooooopsss… I'm back… Sorry to bother everybody. The previous comment i posted bearing the name Benjh Maliga was my alternate fb account but it was compromised to abide laws so i intentionally deleted it on the date i earlier mentioned so that my fb friends can add my original account… i want to apologize for my previous comments regarding this article. But is still do not agree with the title of the article. "SWA is a SCAM!". I have proven that SWA is not a Scam so the title should be changed to "is SWA a SCAM?"… then that will bear the thought of the whole article. While i am adding comments on different sides, i am currently consulting my lawyer about the legality of the so-called business, that is now, i have proven that SWA is not a SCAM because they give payouts but did not pass the criteria of it being legal… SWA is ILLEGAL im sorry to switch my side but it is what my lawyer and their associates found in their studies with the given rules and methods i acquired when i purchased the product. Regarding the e-books, i have not yet verified the copyrights of the books but i managed to read some for my benefit that is why i bought it. But regarding the recruitment, i haven't made any. The hierarchy of members up to will be stopped… I sorry to have caused some problems, but i still take the stand for citizens to pay taxes, help our government, and most of all, earn with your sweat. Hope those concerned bear with me and accept my apology. "No to Piracy". God Bless Us All…