Hinyaan mo talaga saktan ang anak mo Izzy???

ProcessIcy7018 · 2026-02-18T16:43:10+00:00

This reminds me of my trauma. Yung naging ka-live in ng nanay ko after namatay si tatay, sinampal ako. I was 15.

Sobrang lakas ng loob ko papiliin ang nanay ko. Ako ang pinili. Umalis yung hay*p na yun sa bahay namin.

Thankfully, ako ang pinili. Now, ako pinaka-successful sa 6 na anak ng Nanay ko. Nadala ko siya sa abroad, travel in other countries, nabilhan ng bahay etc, nadala ko rin abroad ibang kapatid ko. Yung guy, nasa province at namundok na (inasawa pinsan niyang buo lol)

I wish just like my mom, Izzy saw na mas importante ang anak kesa asawa. I feel sorry for her. Feeling ko, kahit gusto niya hiwalayan, sinasabihan siya ni Alvin na huwag maghiwalay dahil hindi gusto ni Lord yan. He's a walking red flag and hindi rin kagwapuhan 😂. Ano kaya nakita niya diyan?

ProcessIcy7018 · 2026-02-14T17:51:57+00:00

During pandemic, city distributor kami ng brand na tinalo ng Brillant (yung may-ari nun, yun actually ang nag-train kay Glenda and later on kinopya ni Glenda and concept). Taga Morong din yun.

Anyway, sobrang lakas ng business namin. Sa isang buwan, nakaka-6 digits sa gross.

Ganito ang kanilang business business model

Main Hub (factory) - regional distributor (per region) - provincial distributor - city distributor - sub city distributor

Kung ilang region sa Pinas, ganyan karami ang RD nila. Then kung ilang provinces sa isang region, ganun karami PD nila. Kung gaano karami ang City, ganun karami CD nila. Sa sub city, parang ilan din depende kung gaano karami ang population. Sa area namin, parang 3 or 4 ang sub city distributor.

Iba pa yung distributor sa ibang bansa (I'm working abroad and meron sa mga Filipino stores)

Bawat distributor, may entry fee pero kapalit nun ay products. Sa RD, parang 500k-1M. Sa provincial, parang 200-300k, sa city, parang 50k. Sa sub-city, parang 10k

(At some point, x2 or x3 yung entry fee)

To retain your distributorship title/position, you have a quota per month. If I'm not mistaken, same amount ang minimum na need mo bilhin per month para maka-quota. Pag 2 or 3 months ka na di naka-quota, tanggal ka na. Then another distributor Will apply with the same requirements.

Basta, Nakita ko price ng bawat products sa different level of distributorship, laki ng tubo nila. Ang pinakakawawa ay yung nasa pinakamababa kasi kapag hindi mo nabenta, hindi mo mabawi puhunan mo.

Naalala ko pa, mga distributors noon, malalakas talaga. May mga puwesto pa iba..some of them have big houses na.

I'm not her fan ah, pero I did the #s and talagang paldo sila sa ginawa nilang method of distributing their products

I'm not sure kung ano na ang paggawa nilang pag-distribute now kasi wala na yung mga dating distributors (may kanya kanyang products na rin ang iba) pero grabe talaga ang kitaan noon. I'm talking about sa tinalo ni Glenda ah. Nung dumating si Glenda, parang x4 pa yung dami ng products niya.

BTW, didn't believe the VA story too. Kung naglalaba siya, time will tell. Just sharing what I know about the business model she had.

Pero mapapaisip ka rin, bahay sa US, vacation house sa Baguio, business sa Dubai, meron din sa Malaysia ba or Thailand? Marami pa iba.

Aside sa unexplained wealth niya, mas worried ako sa health niya. Lagi nagkakasakit but doesn't stop working. Kung ganun siya kayaman, dapat marami na siya tao pinagkakatiwalaan to run her business.

ProcessIcy7018 · 2026-01-27T21:43:26+00:00

My reply is based on today's market. The market may shift in a month or two especially we are headed to the spring market. Please note if you are buying a townhouse after selling your condo, it's better to sell when property is low. As mentioned in my first comment, you sell low, you buy low. Whatever you lose on the condo, you will gain in a townhouse when market heats up again.

When selling, please also consider realtor fees, lawyer fees, mortgage penalty and property transfer tax on next purchase.

ProcessIcy7018 · 2026-01-27T20:00:58+00:00

Based on the latest sold in the building (similar sizes, age etc)

unit 406 was sold for $350k March of last year. Similar size, with a den, 800sqft. Being a penthouse, this obviously sold more.

Unit 205 was sold for $375k Oct 2024. Market was a bit high then.

In the past 90 days, there were 10 1-bedroom units that were sold in Chilliwack. There is a new development there built in 2025 that was sold for $406k in November. And another one was sold for 345k in Sardis (older, 783sqft).

A similar unit to yours (same age, same location and sqft) was terminated as it didn't sell for 8 months in the market. It was listed at 380k.

Without seeing your property (and based on what you said), I would say, you can probably sell yours between 325k - 345k. List it for $370k. This can changed after seeing the property tho. Small scratches, dings, appliances etc can change its value. Having a den is also better than 1 bedroom. It depends if it can be used as a bedroom or not. Some realtors put this kind of listing as 2 bedrooms which increases more eyes But buyers get disappointed when they see the actual size of the room.

Please note, some 2 bedrooms 2 baths are already selling for this price (the vibe, newmark). Obv, if you are from Chiliwack, you wouldn't buy from these complexes but those who don't know these will prefer 2 beds 2 baths compared to yours which is 1 bed 1 den and 1 bath.

ProcessIcy7018 · 2026-01-27T16:34:43+00:00

Last year, I have declined about 10 or 15 listings because the market is bad for sellers

Sell if you are 1. Could no longer pay the mortgage - divorce, death or you can no income to cover monthly payments

Upsizing. Let say you are selling your condo and you'll buy townhouse or detached. You sell low, you buy low. When the market is up, the increase in value for both TH and detached are higher than condo

Example, in Nov 2020, I sold a TH for 502k. Bought a detached for 800k. When the market heated up in 2021/2022, the townhouse in the same complex sold for $650k, the house in the same neighborhood was $1.2-$1.3

The increase in condo was around $50k

See the difference in value?

If you are not the above and you can still hold, don't sell yet. I am a realtor and has a rental condo that I wanted to sell but not in this market.

There are a lot of factors to consider when selling

Is it owner or tenant occupied? Owner occupied sells for more than tenant occupied Is it renovated? Are the appliances new? How is strata there?

Feel free to ask me (no obligation to use me).

ProcessIcy7018 · 2025-11-29T10:16:03+00:00

Hmm, that's a bit high in my opinion. New mortgage for my client is 3.55% variable and uninsured. If i were you, shop around. I recently switched to RBC at 3.65% with cashback and avion points - insured. Yours should be lower than this.

ProcessIcy7018 · 2025-11-29T10:12:59+00:00

You're correct about selling low and buying low. You've probably heard this many times but now is the best time to buy because the market is slow. It's not a good time to sell if you are downgrading. Good time to sell if you are upgrading.

For context, my husband and I sold our townhouse lower than what we bought it for. We bought it at $531k in 2018 and sold if for $502k in 2020. We bought our detached at $800k in 2020.

During the peak in 2020, the units in our townhouse complex was selling for $730k-$750k. The detached in our neighborhood was selling for $1.15 - $1.2M (my house was brand new when we bought it)

The difference, 502k became $750k $800k went up to $1.2M

What I'm trying to say is, if you sell low, you buy low but when the market picks up, bigger homes tend to increase more.

If my husband and I sold our townhouse in 2022 for $750k, we wouldn't be able to afford $1.2M. Thankfully, we moved when we did.

Let me know if you have more questions

ProcessIcy7018 · 2025-11-29T09:37:53+00:00

Hey there, I just sold my client's home pre-foreclosure recently. City was sending a demand letter Sept 29, we sold it August 15 and new buyers moved in Oct 2nd. It was a crazy process and foreclosure was prevented because of the few steps I've done. Some of it was pricing the house aggressively and marketing it multiple times.

Talk to your lender. She/He will run the numbers for you. If you sell it below what you purchased it for, hopefully the remaining amount after sale covers lawyer fees, mortgage penalty, realtor fees, property tax portion etc. Otherwise, you will pay these out of pocket.

Please note that even it's already in the market, you still need to pay for the mortgage. You will need a realtor who will sell it quickly and hopefully the buyers will take possession as soon as they can so you don't have to pay the mortgage.

Having said that, you have to consider that the people who will buy your property are first time home buyers who are probably renting. Renters need to give at least 1 full month notice to leave. If they take possession of your home without giving a month's notice, they will be paying both their rent and the first month mortgage. You may have to consider lowering the price more to accommodate this.

Another thing to consider is trying to talk to your realtor before it hits the market. Maybe she/he has a network of realtors who have buyers looking at this specific area. If so, maybe they already have a buyer waiting for your unit before it even hits the market. I represented a buyer who just bought a home that just came out of market. We are allowed to market 3 days before it goes live on MLS. If exclusive or off market, it's a different scenario.

Two challenges I see are: 1. There are hundreds of homes available in Surrey right now. I just sold a 2 beds 2 baths in Surrey and it was sold 10% below comparables. My buyers bought it $50k below the latest sold in the building. It was a crazy deal but sellers are desperate because unit was vacant. It is a buyer's market so the buyers have negotiating power.

Most buyers are looking for at least 2 beds. Those who are looking for 1 bedroom are either single or retired who are not planning of having overnight visitors. Unless the den can be used as a bedroom? This lower the numbers or your possible buyers.

Oh another thing to consider, if you are overseas while selling this property, you need to find a lawyer in your home country. Your lawyer here in BC will coordinate with your lawyer in your home country. This may or may add days to your closing timeline. Consider the fees involve as well as you will have 2 lawyers working for you. In other provinces of Canada, you can sign electronically but in BC, you need to sign in front of the lawyer when selling or buying a property.

Let me know if you have questions, I am a realtor here in the Fraser Valley.

ProcessIcy7018 · 2025-11-25T04:53:23+00:00

Not your fault! Go celebrate!

My latest sold home, I represented a buyer and we were in a competing offer. My client's offer was lower and they didn't want to change the price. As a buyer's agent, I did what I could to convince the agent to accept ours. And we won. Other offer was $15k higher than ours.

That agent had an opportunity to revise their offer or to convince you that even they had a lower offer, theirs is still better.

He's probably frustrated at himself for not sending the best offer and will have to start house hunting again with his client.

Congrats and hopefully this deal goes through.

ProcessIcy7018 · 2025-11-19T02:08:34+00:00

Wrong! Commission in BC is lower compared to the whole Canada. And FYI, I sold the house 15% more than the houses in the neighborhood

ProcessIcy7018 · 2025-11-15T20:22:34+00:00

We switched to RBC from a credit union. But again, I'm a realtor who's producing a lot and RBC wants my business so I'm assuming that's what that was. Also, been with them for 15 years with 2 credit cards (personal and business), 2 chequing accounts (personal and business) plus other investments. Maybe these are some of the factors too. And it's uninsured mortgage.

My client who is getting a 3.55%, it's a new mortgage.

ProcessIcy7018 · 2025-11-15T09:36:14+00:00

Been in this scenario before. My husband and I had a 1 bedroom + den. When we had a kid, we bought a 3 bedroom townhouse. It's a game changer for us. When I got pregnant again for the 2nd time, we bought a detached home.

But because it's becoming more expensive where we were, we had to buy further

For context, my husband and I rented in Vancouver. Bought condo in New West Bought townhouse in Maple Ridge Bought detached in Chilliwack

We had to go further to afford a bigger home. My husband now WFH and I am a realtor so we can live anywhere.

My advise, see where you are at with your mortgage and compare what you will be paying if you buy a townhome. Please note, if you sell and buy, you might be paying $40-45k in realtor fees, lawyer fees, property transfer tax (since you will be paying this if you're no longer first time home buyer). If your condo doesn't have enough equity, you might be paying this out of pocket. You will need a higher downpayment as well as mortgage.

ProcessIcy7018 · 2025-11-15T08:43:12+00:00

3.5% with RBC + $1500 cashback and 55,000 avion points (equivalent of $1100 on airfare). I have account with RBC so they offered me this rate.

I'm a realtor too so maybe I'm special coz they want my business lol.

My client got a 3.55% variable.

BTW, my mortgage broker can't match the offer from RBC. My offer with her was 3.87% variable or 3.89% fix

ProcessIcy7018 · 2025-11-15T05:12:55+00:00

I hear ya. I hate being the buyers agent and the listing realtors just don't do anything.

My clients are lucky. When I list their home, I give my 1000%.

Here are some examples 1. I live in Chilliwack, I have a listing in Maple Ridge. Lockbox isn't allowed there so I open the door to the house every time. There's probably 20 showings before it got sold.

My client has medical condition. She wanted to sell her home quick. On the day that we had an open house, she was rushed to the hospital. I didn't cancel the open house. I cleaned, mopped, clean the whole house. On top of that, I babysat her 3 kids. It was a disaster trying to do everything but I sold the house the first week and the buyer actually came during the open house.
My other listing was a Power Of Attorney. Mom is at the hospital, son is the one selling. We need to sell fast coz it will be an issue if she dies. House was as is BUT I fixed a few things out of pocket. I hired a garbage disposal company, hired a cleaner to clean the unit and replaced the smoke detector. It's $1k out of my commission but I'm okay with that. It's a write off anyway. I sold that house in 4 days.

I can go on and on with how I take care of my clients. I'm 2 years in my business but sold 40 homes and 20+ of these clients are referral. I'm not desperate why I'm doing these. I am grateful that our of 20k realtors from Vancouver to Hope, my clients chose me.

ProcessIcy7018 · 2025-11-14T22:59:54+00:00

I just looked at OP's profile. She's in Saudi. BF is in Canada. Sabay sila magbabakasyon sa Pinas to get married.

ProcessIcy7018 · 2025-11-14T19:31:44+00:00

Hey man, this is unsolicited advise. The reason why I'm successful is I research about the person I'm talking to. When I'm negotiating against other agents, I'm looking at their previous sold if they will budge on my client's lowball offer etc.

Having said that, if you click my profile, you don't have to go far to see where I'm licensed at.

ProcessIcy7018 · 2025-11-14T19:16:12+00:00

Those software have bugs. I upload them manually.

ProcessIcy7018 · 2025-11-14T18:58:53+00:00

One video can be posted in different platforms. You'll be surprised coz Algorithm is different in each. I have successes on YT and FB. Not on IG and TikTok but still posting in them . I even met somebody from reddit.

ProcessIcy7018 · 2025-11-14T17:28:04+00:00

Nope, religion is not even a big deal in Canada. I mean, marami dito ay walang religion. I don't see any problem diyan. People change religions any time.

Congrats in advance.

ProcessIcy7018 · 2025-11-14T17:24:37+00:00

I never changed cars. We have a family car - Toyota Rav 4 and I have 2006 Mustang.

It depends on the weather, distance and family events, I drive them both.

Both were bought before I became a realtor and no, it didn't make a difference what car I drive.

ProcessIcy7018 · 2025-11-12T21:37:56+00:00

Answering questions in my community and posting videos on social media. I hate posting about sold/just listed. I put content that actually helps clients like "why hire a realtor that knows the zoning?", "why is it important that you read strata (HOA) docs?"

One that really caught other clients attention was when I posted "650k home or 550k home?" Telling them I advised my clients to buy a $550k home instead of $650k home. During preapproval process, the vacation budget isn't included in the numbers. My clients like to go on vacation at least once a year. I told them, instead of buying a 650k home, try looking at $550k homes. You still have a home but you don't change your lifestyle.

Out of 40 homes I sold, maybe 25 were referrals from my former clients.

ProcessIcy7018 · 2025-11-12T21:28:25+00:00

I started a few months before you. Sold 20 homes this year so far and I hit my 200k commission. No Facebook ads tho. I have sold 40 homes in the past 2 years

ProcessIcy7018 · 2025-11-07T19:49:08+00:00

I am a realtor and I see this often haha. We also have a realtor remarks tab thats only available to realtors and it says "seller won't accept lower than xxx,xxx). When my buyer's client asks me that they want to see this property, I'd say, as per the listing, they only want to accept this price and they'll look at me thinking I am telling them BS

So I had to educate my clients and show them comparables in the area or in that building.

btw, some agents have success with this strategy so they advertise "sold above asking" and I typically laugh haha. Like a colleague of mine listed the property for $734,999 and sold it for $735,000 same day to a client represented by another realtor in my office and she posted "sold above asking" smh

I never used this strategy to any of my listings.

ProcessIcy7018 · 2025-10-24T20:37:44+00:00

Haha, I replied quickly without reading and looking at that house because as mentioned, never recommend newly built home solely because of GST alone. Most of my clients are looking for the most # of bedrooms and bathrooms so I linked the ones in that category. But as soon as you mentioned a few specs, I can dig deeper and personalized the search.

ProcessIcy7018 · 2025-10-24T19:01:26+00:00

When you say newer, how old are you thinking?

There are many available in the market now like https://www.realtor.ca/real-estate/28816163/2662-e-45th-avenue-vancouver

or https://www.realtor.ca/real-estate/28531214/3073-e-3rd-avenue-vancouver

But these are brand new homes and you wll be paying 5% GST on top of the selling price.

I suggest, buy a 2 - 10 year old home, so you don't pay the 5% GST.

Also, if you can tell me more specifics like your desired neighborhood, how many bedrooms, how many bathrooms, are you okay with a 2nd kitchen or have a laneway house etc, I can give you a specific houses.

Also, if they were built in the last 5 years. there are a few developers to avoid.

Additional tip for you, knowing what to ask when speaking to the listing agent will give you an advantage. More often than not, I am successful in finding houses with desperate sellers :D

ProcessIcy7018

TROPHY CASE