Well, there are other choices:

• Nokia 1680C cellphone
• Smart Plug ‘N Talk
• Smart Bro Plug-it
• rebate of 160 a month or nearly 4,000 in savings over the 24-month period

Additionally, after 3 years, one has the option to apply for a plan downgrade to 799, apparently with the same features, so this means more savings.

As expected, I chose the HP printer, scanner and copier, since I’d be getting three gadgets, wow! And it has been working very well since its delivery.

Renew now and get one HP printer, scanner and copier too.

This is the only credit card in the Philippines which has no annual fee for life.

Except of course those premium cards for the very wealthy, and those cards whose owners accumulate enough points to get annual-fee waivers.

I’ve related in my other posts that I finally became free from the bondage of credit cards last February 15.   I had eight credit cards, and after paying off all the balances, I canceled all of them, except my local BPI Classic.

But because I need a credit card for my Internet payments, I had to choose one credit card good for international purchases.  I like BDO Shop More, but if I have to cut costs, I should retain one with no maintenance fee.

So I finally chose the M Free Mastercard of Metrobank.  After canceling my old Metrobank card, I requested for the no-annual-fee card, and it was given to me.

More than a year ago, I applied for this no-annual-fee Metrobank card, but I was told I need to first use an annual-fee Metrobank card for at least a year before I can qualify for the free annual-fee credit card.

If you need to maintain just one card, consider this no-annual fee credit card.

• you cannot pay the total amount due each month
• you can only pay the minimum due
• and you may have to be late some of the time,

then do not get credit cards that have high late-penalty fees and that are strict on payment dates.

NOT RECOMMENDED:

HSBC — charges 600 pesos for every month that you are late even by just an hour or a day.

If you call them and explain your situation, your 600 may be reversed only once in every 6 months, and that depends on your reasoning and the mood of the bank representative at the time you are calling.

Next month, I’ll be receiving some money  (Thank you, Lord!),  and this HSBC card will be the first I will pay off fully and say goodbye to forever.  Good riddance!  Wow, how nice it would be to cut my HSBC card!

I was late in paying after the Ondoy floods, but the HSBC never heard my explanation.  No soul!  Only business for them.

STANDARD CHARTERED — also charges 600 pesos for every late payment… even by just an hour.  Remember, the date changes at midnight?  Or maybe the cutoff hour is every 6 am?  So, after midnight or after 6 am, and your payment is not there, the 600 pesos is charged, presto!

How do I know?  I have both of them.

HIGHLY RECOMMENDED

Fortunately, there are credit cards in the Philippines that have retained some bits of kindness,
and I’m glad that the local banks  (although they have foreign shareholders) are the leaders.

Aside from forgiving late payments, they also charge lower fees.

BPI EXPRESS CREDIT has been very kind to me in terms of late payments. As long as my payment-due doesn’t remain unpaid until the next statement date, I don’t get charge a late-penalty fee.

Kahit ma-late ako ng 5 days or 10 days! But, of course, I don’t abuse it. I oftentimes pay very early too. An I’ve been using this BPI credit card since March 2000.

And when a late-penalty is deserved — because the next statement date has passed and my due remained unpaid — eto yong times na may mga unexpected major expenses –
the penalty fee was only 6% of the total amount due.

One time I was late in paying 1,715.40 by 13 days (almost 2 weeks!).
And you know what?  My late payment was only 102.93!  Compare that to HSBC and Standard Chartered which charge cardholders 600 pesos for being late for only an hour or a day!

EASTWEST is also kind.  It forgives a few days of delinquency.  And the charge is only 200 pesos — when the next statement date has already passed.

BDO SHOP MORE charges 300 pesos or 5% of amount due, whichever is higher.

METROBANK charges 600 pesos or 7.5% of amount due, whichever is higher. This is one local bank that charges high, although this bank offers an annual-fee-free card and a low-interest Cash2Go loan.

BPI EXPRESS CREDIT charges 6% of the amount due for the month — no fixed fee, no whichever.

This rule considers the poorer ones like me — 6 percent of 1,000 is only 60 pesos, but when a rich credit card holder is late, the 6-percent fee for 100,000 is 6,000 pesos.  But, oh well, I’m not a gold cardholder; the late-penalty rules for gold credit cards could be different.

When charged a late penalty fee, call the bank.  Give a valid reason.  Oftentimes, they forgive, as long as you are not late often.

Most large banks now in the Philippines offer free Internet banking, and they offer lots of services that prompts you to say Wow.

However, in this article, I would describe only two, BPI Express Online and My BDO Internet Banking, because they’re the ones I use.

1. If you already have accounts with BPI and/or BDO, then you’ve
done the first step. Your savings account or checking account
would become the wallet from which you would get money to give
to your child weekly.

2. Next is to get an ATM card for your child, or ATM cards if you have more than one child to support.

If you get a regular ATM card, you are required to maintain a balance — 2,000 for a BDO account; 1,000 for a BPI Family account or 3,000 for a BPI account.

For most children, this maintaining balance is a temptation — a cake on the table ready to be consumed.

So the best option is to get a BPI Express Cash Card or a BDO Cash Card. Both of these ATM cards do not require a maintaining balance.

You can get a BDO Cash Card for only 120 pesos or a BPI Express Card for only 120 pesos also.

For OFWs, a better account is available — BDO Kabayan Savings. It only has a 100-peso maintaining balance, and it has other benefits too. More info for this account here.

OFWs can also get a BDO Remit Cash Card. More info on this here.

3. Then enroll your BPI savings or checking account with BPI Express Online or your BDO account with MyBDO Internet Banking.    You can enroll online and then print the filled out form to be submitted or sent to BDO or BPI. Or you can just go to your bank branch.

Just prepare your user name and password and be ready with your account number and your BDO or BPI cash card numbers.

4. After your Internet banking account is activated, you can plan and schedule when and how much money to put into your child’s cash card.

If your child needs 200 a day, you can reload your child’s cash card 1,200 or 1,500 every week. Just adjust the amounts when your child needs to pay the dorm or buy something.

Just tell your child that the minimum withdrawal for BPI Express Cash is 500 pesos and for BDO Cash Card, it is 200. Tell them to withdraw as much as possible from these banks’ ATMs to avoid ATM charges (around 10 pesos for each withdrawal).

5. For OFWs, Internet banking can save you remittance costs and
at the same time prevent your children from having access to large amounts of money, which can be tempting.  One-day millionaires among OFW children are common.

You don’t have to send money every month or every week. Just remit an adequate amount to your savings account and then transfer controlled amounts to your kids’ accounts as often as you like without paying any transfer fee.

For more details:

BPI Express Online

MyBDO Internet Banking

This is a special savings account for OFWs and their families in the Philippines.

You can open an account here in the Philippines, or abroad if you work near BDO correspondent banks.

• Can be in pesos or U.S. dollars
• Initial deposit of 100 pesos for a peso account or $100 for a dollar account.  (Update as of March 2010:  was changed to 50 pesos)
• No maintaining balance as long as you make at least 6 remittances a year. (Update as of March 3, 2010:  was reduced to one remittance a year )
• You will receive a passbook and an international ATM card.
• Additional update for seafarers: You can open a BDO Kabayan Shipping dollar savings account with passbook for only US$10.

Check BDO correspondent banks here.
BDO Remit Cash Card for OFWs

This card is similar to the regular BDO Cash Card,
but you can get this card abroad — in BDO accredited remittance
services.

This also has a higher load balance and deposit limit. While the
regular BDO Cash Card is limited to 10,000 pesos, BDO Remit Cash Card can be loaded with up to 100,000 pesos.

You can remit directly to this BDO Remit Cash Card account.

Your beneficiary can also check the status of your remittance
online at
https://www.bdocashcard.com/rts/remitinquire.asp

At the Senate hearing on pre-need firms, former Legacy executive Carolina Hinola accused SEC Commissioner Jesus Enrique Martinez of covering up Legacy’s financial problems after accepting gifts from Legacy, including a 5-million-peso house and lot and a 1.5-million Ford Expedition from Legacy head Celso de Los Angeles.

Insiders also claimed that Martinez tried to broker the sale of Danvil Plans to the Legacy Group. The sale did not push through after Danvil Plans backed out of the deal allegedly upon the advice of other top pre-need executives.

(Martinez died on May 6 due to colon cancer complications.)

April 21

SEC has canceled the license of Prudentialife Plans Inc. to sell preneed plans because of its trust fund deficiency.

Prudentialife however said that its estimated trust fund of 12 billion pesos is enough to cover its obligations to about 400,000 planholders.

Prudentialife said it is still allowed to sell their other products like life insurance, health plans and mutual funds. Prudentialife President Jose Alberto Alba insisted that his firm will survive the crisis because of its 31-year history of strong performance, including survival of the CAP collapse and the 1997-1998 crisis.

April 22

Permanent Plans or Permaplans has decided to stop its operations  because of trust fund losses in 2008.  In response, SEC canceled Permaplans’ license. Permaplans said it will pay all its planholders (about 10,800) in the form of cash and other types of assets in the next 4 to 6 months.

April 27

Paranaque Representative Roilo Golez condemned CAP for giving only about 400 pesos per sem to most of about 700,000 CAP planholders under a court rehabilitation program.

Chit Baita, head of a group of CAP planholders, questioned court-appointed receiver Mamerto Marcelo for allowing CAP to sell its MRT III bonds and use the proceeds to pay off other firms owned by CAP owners, the Sobrepenas, instead of using the money to pay planholders.

May 1

CAP responded to the report that it is giving out only 400 to 500 pesos per sem to planholders by announcing that it has paid over 220 million to planholders since 2007 and that it is following court-approved schedules for paying planholders in installments up to 2011 and then full payments starting 2012.

CAP instructed planholders to check its list of 147,000 planholders on its website www.cap.com.ph for 334,000 checks ready for release.

May 1

Investigators said fraudulent schemes and fund diversions led to the collapse of Legacy’s banks and pre-need firms. Legacy’s pre-need firms owe about 1.3 billion pesos to its estimated 50,000 pre-need planholders, including more than 12,000 soldiers and police officers who have paid over 320 million pesos through monthly salary deductions by the AFPSLAI.

May 6

Coco Plans said it has 1.4 billion in its trust fund and it is able to cover maturing policies within the next 9 years, according to Coco Plans president

Caesar Michelena. He said the deficiency of 190 million will be covered within 3 years under a program submitted to the SEC.

May 7

The SEC announced that three preneed firms — Coco Plans, AMA Plans and Danvil Plans — had trust fund deficiencies. Coco Plans and Danvil Plans have

already submitted their plans on how they can restore their trust funds to adequate levels.

May 7

Caesar Michelena, president of Coco Plans and  newly-elected head of the Philippine Federation of Pre-need Plan Companies, expressed his hope that no more pre-need company will shut down.

Previous PFPPC President Juan Miguel Vasquez resigned after his firm Permanent Plans decided to cease operations.

May 7

Some Permanent Plans planholders complained at the Senate hearing that Permaplans is offering a 60/40 payment scheme — 40 percent of their maturity value in cash and 60 percent in food and health supplies and lots at a burial site in Payatas.

In a statement made on April 22, Permanent Plans President Juan Miguel Vazquez reiterated that the contracts held by Permaplans planholders allow the company to change the mode of settlement or payment of plans.

May 7

PDIC President Jose Nograles revealed at the Senate hearing that there are still more than 35,000 unclaimed bank accounts under the failed Legacy Group. Senator Mar Roxas asked PDIC to inform the depositors through the mail.

May 12

President Arroyo ordered SEC Chair Fe Barin to determine the financial condition of the preneed firms to ensure that they can meet their obligations

as the plans mature. Arroyo demanded that criminal prosecution be taken against erring firms.

May 13

Justice Secretary Raul Gonzalez said there are loopholes in the law of receivership, allowing failed pre-need firms and other businesses such as condo developers to walk away from their obligations.

May 14

Coco Plans announced that it has paid all its obligations to all its educational planholders this school year.

May 17

The SEC assured pre-need planholders that the 22 licensed preneed firms, including Danvil Plans, are financially stable enough to pay their obligations to their planholders. SEC said it has reviewed the financial records of the pre-need firms.

The 22 pre-need firms with licenses to sell plans this year include AMA Plans, Ayala Plans, Caritas Financial Plans, CityPlans, Cocoplans, Danvil Plans, Destiny Financial Plans, Eternal Plans, First Country Plans, First Union Plans, Grayline Plans, Himlayang Pilipino Plans, Loyola Plans Consolidated, Manulife Financial Plans, Mercantile Careplans, Paz Memorial Service, Philam Plans, Provident Plans International, St. Peter Life Plan, Sun Life Financial Plans, Transnational Plans and Trusteeship Plans.

May 19

About 525,000 educational planholders have been trying to get money for their children’s enrolment this school year from 5 failed pre-need firms: CAP, Pet Plans, Platinum Plans, Pacific Plans and TPG Corp.

Meanwhile, Pryce Plans, still solvent but low on cash because it invested in real estate, memorial lots and listed equities, has been issuing checks in queues and paying in kind to consenting planholders.

May 27

President Macapagal-Arroyo returned the SEC under the supervision of DTI, nine years after she placed SEC under DOF. Observers said the transfer was caused by SEC’s failure to prevent the collapse of preneed companies owned by Legacy.

May 29

SEC has required pre-need firms to increase the percentages of their trust fund deposits.  For every peso paid by a pension and education planholder during the first year, the pre-need firm must deposit 70 cents, a big increase from the previous 5-cent requirement.  This requirement will apply only to new plans. Required increases percentages for other plans were also issued.

Above notes were gleaned from various articles and videos published on Inquirer.Net and GMANews.TV.

Based on our personal experience, BPI also offers credit cards to OFWs, but you wait for the bank to offer you one.  BPI offers a credit card to an OFW who has maintained a BPI time deposit account for a couple of years. BPI also has investment accounts that offer a credit card account as incentive.

BDO

BDO issues secured credit cards for OFWs, meaning one must have a savings or checking account with BDO.

The required documents are:

1. Valid IDs
2. Employment contract or certificate of employment
3. Remittance receipts for the last 6 months or payslips for the last 3 months

The other requirements are:

1. Minimum monthly income of 10,000 pesos
2. At least 21 years old, not older than 65
3. Must have a BDO checking or savings account or time deposit of at least 15,000 pesos or equivalent amount in dollars
4. Must have 2 years continuous job contract
5. Beneficiary or card administrator must be residing or working within 30 kms of a BDO branch
6. Must have a home landline phone

You can call the following numbers for further inquiries:

Call 631-8000
(within Metro Manila)
1-800-10-6318000
(Libreng Tawag Outside Metro Manila)
(IAC)+800+6318000
(Libreng Tawag Outside of the Philippines)
Email: callcenter@bdo.com.ph

HSBC

For OFWs, the requirements are:

1. Employment contract or certificate of employment
2. Working visa or work permit or OFW card or certificate issued by POEA
3. Proof of home address, such as the latest billing statement under the name of the applicant, with the address of the applicant.
4. A valid ID, such as passport, driver’s license, PRC ID or SSS photocard
5. TIN number
6. SSS or GSIS number
7. Proof of Income

• could be latest ITR or
• employer’s certificate of compensation or
• payslips for the last 3 months

The other requirements are:

1. At least 21 years old, not older than 65
2. Philippine resident
3. Have a residential landline phone
4. Must be living or working in Metro Manila, Bacolod, Baguio City, Batangas, Bulacan, Butuan, Cabanatuan City, Cagayan de Oro, Calasiao Pangasinan, Cavite, Cebu, Cotabato, Dagupan City, Davao City, Digos Davao del Sur, Dipolog, Dumaguete City, General Santos, Kalibo, Iloilo, Laguna, Laoag City, Legaspi, Lucena City, Naga, Olongapo City, Ormoc City, Pampanga, Panabo & Tagum Davao del Norte, Puerto Princesa, Subic, Rizal, Roxas, Tacloban, Tagbilaran City, Tarlac City, Tuguegarao, Urdaneta Pangasinan, Zamboanga City.
5. Have at least a gross annual income of 150,000 pesos for the classic cards and at least 480,000 pesos for the gold cards

Paypal is an online payment system. It’s free for personal users and offered for a fee to businesses.

Three Kinds of Accounts

• Personal Account — for individuals who pay online
• Premier Account — for individuals who buy and sell online
• Business Account — for companies and organizations

Opening an account is free and easy.

Sending Money

Sending money through Paypal is free. You use your Mastercard, Visa and American Express cards or your US bank account.

Withdrawing Money

There is a fee of 50 pesos for withdrawing less than 7,000 pesos. If it’s 7,000 pesos or more, it’s free.

Your withdrawal is done using your account with your Philippine bank and it takes about 2 to 5 working days. So, before you make your withdrawal, you must first add your bank account details to your Paypal account. Just click Withdraw and then Withdraw funds to your bank account. You will be requested to enter your name, bank name, bank account number, and a 9-digit bank code. You can copy your bank code from the Philippine PayPal bank code list compiled by James of pinoymoneytalk.com.

Additional tips

1. Make sure the name in your Paypal account is exactly the same as the name on your bank account. There is a return fee of 250 pesos, if the transaction fails due to this error.
2. To make sure you are really on PayPal site, check 3 things:

• your URL has s on the https://www.paypal.com
• your URL has the PayPal icon, a blue-colored P, and the name Paypal, Inc. (US)
• at the right bottom corner, there should be www.paypal.com and an image of a lock
  

Company Background

PayPal, based on San Jose, California, was founded in 1998 and was bought by eBay in 2002. Currently, it has more than 153 million accounts in 190 countries and in 18 currencies around the world.

PayPal has also received numerous Internet industry awards, including the 2006 Webby People’s Voice Award for Best Financial Services Site and the 2006 Webby Award for Best Financial Services Site.

On the SEC website, there are instructions on how to file a complaint. There is also a complaint form which can be downloaded.
But you can use your own format as long as you include all the necessary details.

Here is a simplified version of the SEC procedures:

1. You can file your complaint against any  pre-need company in the Philippines at the SEC office along EDSA in the Greenhills area. Submit your complaint to the Central Receiving and Record Division (CRRD).

2. Who can file a complaint?
The planholder, or the legal representative, or the beneficiaries (if the planholder is deceased)

3. Where is the complaint filed?

Submit your complaint to the Central Receiving and Record Division (CRRD) of the SEC.

4. Contents of the complaint

The complaint should be written. You can use the SEC complaint format which can be downloaded from the SEC website.

• name, address and contact number of the complainant
• name of the pre-need company, main address of the company, name of the person contacted (example: name of the salesperson)
• brief statement of facts: type of plan, effectivity, number of installments paid, total payments paid, significant dates, and other facts that will support your complaint

5. Issues to be resolved

The examples of issues are:

• non-payment of claim
• non-registration of pre-need company
• non-registration of pre-need plan
• refusal to reinstate pre-need plan
• inaccurate termination value
• mismanagement of trust fund
• illegal closure
• any other fraudulent act or misrepresentation done by the pre-need company, its representatives or salespersons

6. Brief statement of relief or solution being claimed by the complainant

In short, what do you want the pre-need company to do for you?

7. What happens after submission to CRRD?

The CRRD is mandated to forward the complaint to the Non-Traditional Securities and Instruments Department (NTD) within 24 hours or not later than the same hour of submission on the next working day.

8. What Happens at the NTD?

The NTD is mandated to number and docket your complaint. This will add your complaint to a list or register of complaints with codes for easy reference.

9. Mandatory mediation hearings

The NTD orders you, the complainant, and a representative of the pre-need company to appear in a mediation hearing not later than 15 days from receipt of complaint. The NTD will send a notice of mediation at least 5 days before the hearing.

If you fail to appear at the hearing without prior notice and justifiable reason, your complaint will be dismissed. If you attend the hearing, but the pre-need company representative fails to appear, NTD will resolve the issue according to your documents.

10. What happens if the mediation fails?

Both you, the complainant, and the pre-need company file position papers within 10 days from date of failed mediation hearing.

The position paper includes:

• statement of facts
• statement of issues to be resolved
• presentation of arguments (refer to documents and affidavits you attached)
• claims or solutions

11. Decision

The NTD will issue a decision not later than 10 working days from the date following receipt of the filing of the position paper. The NTD must state the basis of the decision.

The NTD will also forward a copy of the decision to the Compliance and Enforcement Department (CED) of the SEC within five (5) days from date of decision.

12.  Appeal

The complainant or the pre-need company can file an appeal of the decision within 10 days from receipt of the decision.

Lastly, the downloadable SEC complaint form has a notary public portion.  So, if you use your own format, it is advisable that you have your complaint notarized.

March 7, 2009

It is of great help for me it you could answer me on this inquiry. I finished paying my Danvil plan and it will mature in 2019. Actually I paid it in advance so as not to miss payments. But I’m having many sleepless nights because of many doubts about how pre-need companies are doing in the market today. I am having second thoughts about waiting for my plan to mature. Any idea on this? How much money would I get in return if I apply for early reimbursement of my payments? Much as I would like to inquire personally at the Danvil office regarding the matter, I’m here in Japan working hard to make both ends meet for my family. It was hard earned money that I used to pay for my plan. That’s why I am really bothered and annoyed by different news I heard about the pre-need business.

Dalawa ang aking plans sa Danvil. Sad to say na noong kinuha ko yon sa SM Southmall, di ko naintindihan masyado ang paliwanag. Kadarating ko lang noon, galing ako sa work ko abroad and I’m only on my vacation. Actually, I can say na forced and pressured lang din ako ng Danvil employee. Para bang para makauwi na lang ako kumuha na lang ako, then bahala na. Parang ganoon ang nangyari sa akin.

But all is history now, natapos ko na bayaran yong isa, 5 years investment period yata and my plan is supposed to mature on Feb 2019 pa. At yong isa ay sa Oct 2011 ko pa matatapos at magma-mature naman on Oct 2021. And that’s a long long time for me to wait. Tama yong iba na nagsasabi na dugo at pawis ang puhunan para lang makabayad. Presently andito ulit ako abroad working to make both ends meet for my family. If sa status kong bayad na last month ang plan ko at mag apply ako ng reimbursement ilang percent po ang makukuha ko? Your answer will be of great help for me lalo na po sa decision making na gagawin ko, and also it will be of great help for me para mabawasan na ang burden ko sa pag-iisip kasi balak ko na po talaga mag-apply for reimbursement.

March 8, 2009

Gusto kong iparamdam hindi lang sa mga katulad kong planholders, but also to the employees and the company of Danvil as a whole, it is very true na magsisi man po tayo or even if we condemn ourselves kung bakit tayo kumuha or sapilitan tayong napakuha ng plan sa Danvil, the sad truth is wala na tayong magagawa. We only have two options left on our sleeves, firstly and POSITIVELY speaking umasa na lang tayo, especially those which own a plan na malapit na ang mga maturity date, na comes our due date makuha natin ng buo lahat ng ating inaasahan. And for those who are willing to gamble to wait dahil nagsisimula or maybe katatapos lang nilang bayaran ang kani-kanilang plans ay umasa pa tayo na through the coming years maging mas stable pa ang kalagayan or status ng Danvil.

Or secondly which is very NEGATIVE ay bumuo na tayo ng desisyon hanggang maaga pa if we’re to wait or we have to make up our minds kung kukunin na natin pabalik ang ating mga naihulog, may it be 20% or 50% of the amount we already paid to Danvil. Ok na sana kung 20% or 50% of the maturity value ang makukuha natin, kaso 20% or 50% lang ng ating mga naihulog. If I may use ang isang salitang pang matanda na lagi nating naririnig,  “talagang parang iginisa nila tayo sa sarili nating mantika.” It is really so sad and devastating knowing in the first place na talagang napakahirap ng buhay ngayon, na tayong mga planholders ay halos magpakamatay sa hirap di lang sa katawan lalo at higit sa isipan para lamang mabayaran at umasa na sa darating na panahon ay mayroon tayong “kayamanang inaasahan.”

For the planholders reading this article, I appeal to all of us to continue praying for us to see a brighter tomorrow, at doon po sa ilan na malapit na ang maturity date nila at makakakuha, please update us para kahit paano we can generate some strength and inspiration.

And to Danvil employees specially to those initiating/implementing some sort of forced/aggressive sales strategy, I am appealing to you guys to please put some HEART into your work. Alam ko at nauunawaan ko na kayo ay nasa ganyang linya ng hanapbuhay,  subalit sana po ilagay natin sa mas maayos at pantay na paraan ng panghihikayat. At ipaunawa po nating ng buong linaw sa ating mga kababayan ang lahat ng detalye lalo na ukol sa haba ng panahong ipaghihintay rather than focus the discussion on how your prospective clients will gain at the very moment you invited them. The money we put in Danvil is hard-earned and of good faith. Huwag po ninyong hayaan na ang makuha ninyong kliyente ay kumuha ng plan sa Danvil dahil napilitan lang. Kawawa naman po sila. Please put yourself on their shoes, then look at the mirror and ask yourself if you really invited them para tulungan sila, as many of you guys will surely reason out or you invited them based on your own agenda… I sincerely hope that this appeal won’t bring any misinterpretations or rather bring some sort of bad reaction on all people involved.

May God bless us all!  And let our prayers reunite us for more positive things in the future!