From Salary to Strategy

Hi, everyone! 👋

My name is Marvin Ace, an International Marketing Partner of Ayala Land, Inc. I’m also the proud son of Melvin B. de Guzman, the founder of www.expatstocks.com, and the author of Expat Stocks and The Psychology of Expat Money.

Welcome to my page! If you’ve ever attended one of the financial wellness sessions sponsored by Ayala Land, you may already have an idea of what I’ll be sharing here. If this is your first time seeing my post, I hope this is the beginning of a meaningful connection.

My goal is simple: To help more people, especially OFWs, explore ways to become financially prepared for tomorrow while making informed decisions today. Let me invite you to explore three opportunities with me.

What is financial wellness? Here’s a simple way to understand it: Financial literacy is knowing the rules. Financial wellness is putting those rules into practice so you can manage your finances with greater confidence and peace of mind. It’s about understanding your income, managing your expenses, preparing for emergencies, making informed financial decisions, and planning for the future.

Earning money is important, but knowing how to manage it is just as important. If you want to learn more, let’s connect and learn together. You don’t have to know everything today. Every meaningful journey begins with a willingness to learn.

As an International Marketing Partner of Ayala Land, I’m excited to introduce OFWs and their families to property ownership opportunities in the Philippines. Have you ever considered owning a condominium that you could eventually rent out?

The basic idea is simple (with a business mindset), own a property, find a tenant, and earn rental income while building a long-term asset. Of course, buying property requires careful planning. There are down payments, financing, monthly expenses, and other responsibilities to consider. That’s where exploring the right options makes a difference. 

Through Ayala Land, you can learn about available properties in locations such as Mandaluyong City, Bonifacio Global City (BGC), the University Belt, and Makati CBD. If you’re available this Sunday, I invite you to join our team for an orientation led by an Ayala Land Marketing Director. We’ll walk you through the available options, payment arrangements, and the property-buying process. Just WhatsApp me and I'll reserve you a seat. And yes, you can bring your friends and relatives too!

To give you an idea of what we can discuss, let’s look at a sample computation. LET’S DO THE MATH!

Your goal: Own a 23-square-meter studio or 1BR condominium unit that you may use for rental purposes while building a long-term asset. For illustration only, the figures below are hypothetical and are not a quotation for a specific Ayala Land property.

Sample property price: ₱6,000,000

• Reservation fee: ₱50,000
• Sample down payment over 24 months: ₱480,000 (at 20,000/month)
• After this, the property will be handed over to you! Cool, right? 
• Estimated balance after reservation and down payment: ₱5,470,000

After the applicable down payment period, the remaining balance may be financed through a bank, subject to loan approval and the bank’s terms. Hint: Choose the longest possible term so your monthly amortization will be lower.

What about the monthly bank payment?

The actual monthly amortization depends on the approved loan amount, interest rate, loan term, and other applicable charges.

For perspective, dividing ₱5,470,000 by, say 300 months (25 years), gives approximately ₱18,233 per month in principal alone. This excludes interest and other charges. 

Suppose, purely for illustration, that the property earns ₱25,000 per month in rent. That gives you a positive cash flow of ₱6,767 per month! Sounds encouraging, right? The goal is to understand the numbers before making a decision, not simply to buy a property because the projected rent looks attractive.

One thing worth exploring is professional rental management. Depending on the property and the applicable agreement, Ayala Land Management Corporation (ALMC) may offer rental management services that can help owners manage their units while they are overseas. Based on the arrangement, the management fee is equivalent to one month’s rent per year, with the remaining 11 months’ rent going to the owner.  

Imagine having a clearer plan for owning a property in the Philippines while continuing to work abroad. That’s an opportunity worth understanding, not rushing into, but learning about carefully. If you’re curious, come and learn with us this Sunday at Khalidia Palace Hotel, Al Maktoum Road, Deira, Dubai! WhatsApp me so I can reserve you a seat.

What if you’re interested in property but aren’t financially ready to purchase a unit yourself? You can also ask me about becoming a sub-marketing partner. The process begins with attending an orientation, understanding the guidelines, asking questions, and completing the necessary registration and agreements.

You can then introduce people who may be interested in Ayala Land properties. Our team can help explain the available properties, payment arrangements, and buying process to them. 

And here’s another possibility! You may qualify to earn a commission from a successful referral, subject to the applicable program rules and terms. For example, if a qualifying transaction has a property price of ₱6,000,000 and the applicable commission rate is 2%, the illustrative commission would be: ₱6,000,000 × 2% = ₱120,000

That’s ₱120,000 from one qualifying transaction, based on the assumed rate. Actual eligibility, commission rates, payment timing, and qualifying conditions must be confirmed in the official agreement. Commission payments may depend on specific milestones, including the applicable qualification period and property turnover.

You make the introduction, and our team helps explain the opportunity. You don’t need to know everything from day one. Start by learning the process, understanding the guidelines, and asking the right questions. Sometimes, a simple introduction can open the door to a new opportunity.

Perhaps you want to improve your financial habits. Perhaps you’re exploring property ownership for your family’s future. Or perhaps you want to learn how to introduce property opportunities to others as a sub-marketing partner. Wherever you are in your journey, there’s always something new to learn. Remember, you don’t have to accomplish everything today. You just have to take the next step with the right knowledge and a clear plan. 

If you have questions or would like to learn more, feel free to contact me.

📲 WhatsApp: +971 50 1578227 

📱 Follow me on social media: @onewithmarvin

Let’s connect, exchange ideas, and learn how to make more informed financial decisions together.

Because the future you dream of is worth preparing for today.

Let’s turn dreams into doors, one informed decision at a time.

God bless you, and I hope to connect with you soon!

Marvin Ace
International Marketing Partner
Ayala Land, Inc.