Angie Ostojic Magazine 2018 by Angie Ostojic

WHAT DOES

COURAGE & HOPE MEAN TO YOU?

THE

ANGIE OSTOJIC MAGAZINE

GIVING HEART: CHANGING LIVES, ONE PERSON, ONE COMMUNITY AT A TIME

GROOMING YOUR CHILDREN IS THERE A BETTER WAY?

BUSINESS OWNERSHIP STRUCTURES A BASIC GUIDE TO STARTING YOUR OWN BUSINESS

VERNA’S STORY “THEY SAID I HAVE A 2% SURVIVAL RATE, BUT DESPITE ALL ODDS,

10 INDIVIDUALS SHARE THEIR STORIES ON HOW COURAGE & HOPE LED THEM TO ACHIEVE SUCCESS

I MADE IT”

www.angieostojic.com

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Dear Readers, We hope that you will enjoy the first edition of the Angie Ostojic Magazine. My vision is to motivate and inspire you to seek more success in your life and to “climb your own mountain”. Success isn't just about how much money you make. A life abundant with faith and loving relationships is also a success. Remember that you have the power to define your own meaning of success. As we welcome the new year 2019, I hope that you will draw courage as well as practical knowledge from the stories and articles that you are about to read. This is just the beginning of your motivational journey, and I promise that there will be more to come. We look forward to publishing more quality content for you and hope that you will continue to support this empowering movement with my team.

Sincerely yours,

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OUR TEAM

ANGIE OSTOJIC Executive Editor

CHELSEA TAN Co-Editor

ALMA ARMADA Content Advisor

ELLAINE TIAMZON MIKE LESCANO Media Developer Production and Print

Table of Contents 2 Editor’s message 3 Table of Contents 4 AOM Team 5 A Message from Mike Greco 6 Team Takeover Top Producers 7 Team Takeover Top Rookies

KEN MURILLO Photographer

BERRYL GAMAYAO Digital Marketing

8 Team Takeover Rising Stars 9 Riding With Change, Rodrigo Martinez Rios 10 Opening Your Mind To The Possibilities, Geraldine Cellona 11 Answered Prayers, Pearly Luceno 12 Redefining Success, Ken Murillo 13 Never Settle For Less, Ed Davac 14 Finding Purpose, Connie Raz 15 My Purpose In Life, Angie Ostojic 17 Stepping Out With Faith, Joain Magallanes 18 The Power of Persistence, Merle Aguinaldo 19 Following The Signs to Success, Quennie Sensano 20 Better When We’re Together, Sam & Olivia Vargas 21 Verna’s Story of Hope 23 Tips On The Best Business Ownership Structure For You 24 Succeed Sooner, Luan Mitchell 25 Canada Needs Skilled Workers, Rhodora Armada 26 Beating The Odds At 60 Years Old, Felix Capuyan 27 The Three Pillars of Courage 28 Grooming Your Children Through Example, Angie Ostojic 29 CBWC & Success Now Multimedia Inc. 30 Team Takeover

ANGIE OSTOJIC MAGAZINE TEAM Owned by: AO Giving Heart, Inc. Published by: Success Now Multimedia, Inc. Executive Editor: Angie Ostojic Co-Editor: Chelsea Tan Content Advisor: Alma Armada Media Developer: Ellaine Tiamzon Production and Print: Michael Lescano / Minuteman Press Photographer: Ken Murillo Digital Marketing: Berryl Gamayao Advertising opportunities: team@angieostojic.com 403-835-4599 Mailing address: Franklin Atrium Unit 110 3015 5 Ave NE Calgary, AB T2A 6T8

Contents copyright © 2018 by Angie Ostojic Magazine; any form of reproduction of any content on this magazine without the written permission of the publisher is strictly prohibited. Angie Ostojic Magazine Inc. assumes no liability or responsibility for any inaccurate or incomplete information contained about each individual, event or organization. Angie Ostojic Magazine will not be liable for any damages or losses as a result of the use of the reader of any information, opinions, or products mentioned.

ANGIE OSTOJIC MAGAZINE TEAM “Life is short so live it to it’s fullest while making a difference along the way. We hope that we can inspire our readers to achieve their goals in life.” -Alma Armada , Content Advisor “Ate Angie is one of the people I really admire for being a strong visionary leader and we share the same vision. It is an honour to be part of this great team and share my passion for art through photography” -Ken Murillo, Photographer “ Be someone’s strength. Be someone’s inspiration. Be someone’s reason to never give up. Opportunities don’t happen, you create and share them.” -Ellaine Tiamzon, Media Developer “I believe that if you give value to enough people, you can have everything you want and that's how life works. Giving value means sharing your talent, time, effort or resources to others.” -Berryl Gamayao, Digital Marketing “Tita Angie is a trailblazer, and anyone who wants to be successful needs to hear her story and follow her work! I love meeting new people through this project and it has been an honour bringing their success stories to life.” -Chelsea Tan, Co-editor “When you say success it’s synonymous to Ate Angie. Her life story - how she started and where she is right now will inspire you to keep pursuing your dreams. She is the true definition of turning dreams into action. It’s always a pleasure working with a group of dedicated people chasing the same goals and aspirations.” -Mike Lescano, Minuteman Press

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A MESSAGE from MIKE GRECO Have you asked yourself the important question: What drives you? For me, it’s the ability to help people fulfill their dreams. So many people today are stuck... settling in a career they’re unhappy with, a life that’s been downsized, and dreams that will never see the light of day. I believe that we all have a great deal of potential, and unfortunately, we fear our own possibilities because being comfortable is more consistent than uncomfortable. But who in the spotlight of success has ever achieved greatness by being “comfortable”? Think of someone you truly admire or respect. They could be someone from business, a political leader, an actor, a saint, or even someone within closer proximity to you. What is it that you see in them? What characteristics do they have that excite you? Did they have it easy? The answer is most definitely no, and that’s WHY you respect them. They had the courage to step out into the unknown. They faced difficulty. They failed. But most importantly, they got back up and kept moving forward. It’s interesting that we somehow think that success for some must come easier than others when the truth remains that everyone has the same opportunity to do something special. The only one preventing us from getting there is looking right in the mirror at us. At the age of 18, I pursued the field of engineering, completing my first year of university while hating every minute of it. It was during the summer between 1st and 2nd year that I started to more clearly analyze where I wanted to be in life. Funny enough the universe provided me with more clarity. I went back for my second year of studies and an assembly was held in the auditorium designed to help how the semester would go for our faculty. In those 30 minutes breakdown, my life dramatically changed course. You may have heard the term “defining moments” in life. I came to the great realization that I was about to sacrifice 4 years of my life studying something I wasn’t passionate about, another 6 months interning, followed by 2 more years earning my stripes to make a “decent” income in the future. I thought to myself, where could I be in life if I dedicated those same 6 and a half years to doing something different? At the age of 19, I turned my focus on to the financial services industry, specifically in helping educate Canadians on how to protect the most valuable asset that they have: their income. I completed my full life license within two weeks and started out on the ground as a sales representative. I grew to the position of sales manager within two months and advanced to district manager just 1 year later. I moved into a corporate position over the following two years, and within a shorter time frame than it would have taken for me to complete my engineering qualifications, became a Regional Manager in the financial services industry. Now I am helping other future leaders do the same.

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Was it easy? No. Were there long hours? Yes. Was it smooth sailing? No.

Was there failure and rejection? Absolutely. But when you believe in yourself, set goals, and never settle for less than what you believe you’re worth, the world is prepared to reward you. Ask yourself this question: Are you proud of everything you have accomplished so far? Is there more that you think you’re capable of achieving but are not in a position to do so?

PRIDE

is so important. Purpose, Responsibility, Inspiration, Discipline and Execution Every morning I wake up grateful for the day ahead and the opportunity to help make a difference. You have to live life with a passion so strong that you bounce up out of bed ready to take on the next 24 hours with enthusiasm. We all want to leave a legacy behind that means something. The good news is that it’s never too late to make the choice to discover your true calling and potential. So take risks, get uncomfortable, grow, develop, and challenge yourself. Your story is still being written... what will the next chapter say? Wishing you future success! Warm regards,

Michael Greco Senior Regional Manager | Central & West Zone Combined Insurance

Team Takeover is a team of likeminded people driven by the goal to save people’s lives and protect their dignity through the products that they represent. Their aim is to provide good SERVICE.

SERVE, EMPOWER, RESPECT, VALUE, INSPIRE, CARE, ELEVATE

TOP LEADERS Team Leaders are committed to developing and guiding their team members to produce consistent results.

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TOP ROOKIES Top Rookies have a proven track record of delivering results. They consistently achieve their goals and do their best in serving others.

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RISING STARS Rising Stars are willing, consistent, and committed to taking the next step to building their new career in sales. They are transitioning from their ordinary life towards a better future.

JASMIN REMOQUILLO

YOU COULD BE THE NEXT RISING STAR

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RIDING WITH CHANGE RODRIGO MARTINEZ RIOS “Courage is the ability to have a positive attitude when facing challenges instead of walking away from them, no matter how many times you have to try.”

Discovering His Passion Rodrigo grew up in Mexico as the youngest of four children and he was raised by a single mom. After high school, he traveled across Europe, studied in France for a year then lived in Norway for another year, before returning to Mexico. His love for traveling inspired him to pursue a degree in Hotel and Restaurant Management, and soon after graduating, he became a full-time manager at a travel agency. With his brother’s help, Rodrigo landed a job interview for a Chef de Partie position at a hotel here in Calgary. He took the chance and flew to Canada for the interview, and was hired on as a permanent staff for the hotel. For five years, he built his career and reputation in the food industry until he was offered to become a general manager for a multinational restaurant business.

Riding With Change As Rodrigo and his family settled into life here in Calgary, he received the tragic news that his best friend of 20 years had passed away from a motorcycle accident. His friend had lived by the philosophy that was popularized by Nina Simone: ‘Freedom is the absence of fear’. Seven years have passed, and Rodrigo still draws courage from these words. The more success he’s found in his career, the more fear he’s had to overcome to stay on top. At times, feelings of inadequacy and insecurity got the best of him. “At some point, I felt like I wasn’t reaching my goals and began feeling stressed, frustrated, and disappointed. I felt like a failure not just at work, but also with my family.” However, he found courage from his wife’s unwavering support. “She was supportive, helpful, and motivational. Even when I was at the bottom, she gave me the courage to overcome my challenges and turn it around.” They recently welcomed a new member to their family; a new source of inspiration for him to challenge himself even further.

Choosing the Right Path Rodrigo joined Combined Insurance to earn extra cash on top of his full-time job, and he has made over $10,000 within the first quarter of this year. “Being an independent contractor for Combined has taught me to set up a plan to achieve my personal and financial goals. The more people I help, the closer I get to my goal, which is being able to provide an excellent quality of life for my family.” He also puts a high price on building and maintaining the right relationships. “Hang out with the right people. Don’t burn bridges. Change your group of friends to ones that will motivate and support you.” At the end of the day, Rodrigo also recognizes the importance of having the right mentor. “Miss Angie Ostojic has been a mentor for me since I was introduced to Combined. Her coaching, training, and motivational sessions have enabled me to push towards achieving my goals and strive for success.”

| AOM | www.angieostojic.cŽŵ ͮ &ĂůůͬtŝŶƚĞƌ ϮϬϭϴ ĚŝƟŽŶ ͮ

OPENING YOUR MIND TO THE POSSIBILITIES GERALDINE CELLONA “Hope motivates us to persevere through the darkness, to journey onward despite the obstacles blocking the trail of life. Hope is a mindset, a belief and motivation that despite the hardships and misfortunes, there is still hope.”

Nothing Worth Having Comes Easily Geraldine grew up in the Philippines with two other siblings. Their family lived and owned an agriculture business in Cagayan. In 2004, she pursued life in Canada, having no choice but to leave her husband and two children in the Philippines. She worked as a nanny in Toronto for six years, completing her Personal Support certificate along the way and moving to Calgary after. Despite the hardships of living alone in a new country, she made good friends and worked hard to attain success in her new life. Her hard work paid off and on June 2010, her husband and children migrated to Calgary.

When Hard Work is Not Enough Geraldine worked in the healthcare industry for 10 years, but even the most driven people have their limits. She was working herself to exhaustion between three jobs in order to make ends meet. Eventually, this took a toll on her body and she got very ill. She had to undergo hysterectomy, forcing her to resign from two of her jobs. Despite the adversity, Geraldine was practical and thought of ways to stay financially afloat. She opted to become an agent for Combined Insurance and studied to get her certification between hospital visits. Right after her surgery, she was still presenting and prospecting clients. “They told me that I should be staying in bed, but my team mates and I would get on the road to look for clients!” It was quite an amazing feat to conquer, because behind closed doors, Geraldine was actually terrified of the surgery going wrong. There was a part of her that wondered if she would make it. “I just told myself to trust the Lord. He’s the best physician. I prayed for a longer life and told God that I still wanted to help a lot of people in this world.” Geraldine’s faith pulled her through, and she is helping a lot of people gain peace of mind through her work with Combined.

Having the Courage to Change “It was so difficult for me to let go of my career at the hospital, but then I realized that it’s not impossible to explore other options and still be successful.” For Geraldine, focusing on one job instead of three is considered a big win. She remains grateful to her business mentor, Angie Ostojic, for helping her with her new career. “I really had zero experience in business when I took on this job. This was my first sales job. I learned everything from Ate Angie.” She found value in her weekly training sessions. “Whenever I attend her training session every Monday, I get so inspired with the way she teaches us how to tackle problems.” After just a year of working full-time for Combined, Geraldine is now one of the sales leaders, and it’s because she found the courage to try something new in her life. “Don’t just sit in one spot. Explore your options. You have to see the bigger picture so that you can be successful.” | AOM | www.angieostojic.cŽŵ ͮ &ĂůůͬtŝŶƚĞƌ ϮϬϭϴ ĚŝƟŽŶ ͮ

ANSWERED PRAYERS PEARLY LUCENO Caught in the Middle Filipinos tend to value their families and relationship with God above all, but that same love can get tricky in the face of family politics. When Pearly and now-husband Matthew got engaged, it wasn’t smooth sailing. He isn’t a Christian, nor is he Filipino. Her parents were concerned that they wouldn’t get married in a Church and didn’t approve of their relationship. Pearly was so afraid to tell her parents about the wedding date that she had to ask a Priest to intervene. “I was this close to giving up on us. I love my family and they’re the reason why I do things, but I also love Matt. I was always in the middle having to choose between them.” This was just one of the many challenges that Pearly had to face in the last couple of years. Prior to meeting her partner, she was a single mom juggling multiple jobs to raise her son. The biggest financial struggle came when her parents received a house eviction notice and a four-week ultimatum to pay the bank $8,000. “That’s when I realized that I had to do more. I needed to earn more.”

“Courage is never giving up until your last breath, because you can still make a difference even if you’re down to the last.”

Overcoming the Struggle In 2009, Pearly started a Day Home business to balance having time for her son and earning money to help her family. In 2010, she dabbled in the event planning business, but the income still wasn’t enough to offset their bills and daily expenses. It was in 2015 when she met Angie Ostojic and started training to become an agent for Combined Insurance. Through hard work, her life has changed drastically. She’s bought her own car and even paid for their wedding in cash. “We were able to raise $20,000 in six months to pay for our wedding!” with Angie’s guidance, she was able to quit her multiple jobs to pursue Combined full-time. “Ate Angie is an instrument of God’s answered prayers for me. I am truly grateful to her because she took a chance on me.”

Reaching Success “Success, for me, is living a good life. It’s being there for your family, supporting your husband, and spending quality time with your loved ones.” Working with Angie has given Pearly the skills and the tools to finally achieve a good level of financial stability. In turn, Pearly is now able to do the same for others as a Sales Leader. “When I see my team succeed, it makes me feel so proud to be part of their achievements.” Despite the bumpy road to success, Pearly’s faith never faltered, and she’s finally found the work-life balance that she deserves. “It’s been over two years and I’m still helping families and individuals with Combined, while making a difference for my family as well.”

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REDEFINING SUCCESS KEN MURILLO Admitting Defeat There comes a point in life when we lose sight of who we are and what we have to offer. For Ken, it was the year 2010 when he chose to move back to the Philippines. After five years of living in Canada, he felt like a failure. “I didn’t want to fight anymore. I thought it wasn’t worth the struggle.” Although he had managed to complete a two-year program and landed a corporate job in oil and gas, his personal life was in turmoil. He needed the solace that only home could offer. “I was happy when I went back to the Philippines because I had a support system there, which I didn’t have here in Canada”. However, there was one friend who kept in touch with him and continued to send him positive vibes through the distance. “It was Jasmin who really encouraged me to come back to Canada. She reminded me that Canada has a lot to offer.” Today, they are happily working at Combined Insurance together, while raising their four-year-old son, Jake.

Beginning Again It took one and a half years for Ken to have the courage to try again. Although he started being comfortable again in the Philippines, he wasn’t feeling fulfilled and he found himself being idle and complacent about his success. “I started a business, but I wasn’t really working in my field.” With determination, he packed his bags to pursue a second chance at love, and life, in Canada. When he returned, his outlook had changed and he was ready to start over. Ken was a licensed Civil Engineer by trade. “I started looking for work and found a job in the oil and gas industry which involved technical design.” The oil and gas industry remained volatile, and in 2015, Ken was laid off from work. Everything seemed uncertain until one day, he met Angie Ostojic and was introduced to Combined Insurance. “I was very inspired by Ate Angie. The first time I attended her business overview, she told us her life story. I had goosebumps just listening to her. I said, “Wow, this woman is amazing!” From then on, I really looked up to her. “If she can do it, so can I.”

“Courage is having the ability to do something that you think is right and following your beliefs, no matter how scared you feel.”

Feeling at Home, at Last When Ken was younger, his definition of success was earning good money working at a high paying job, which prompted his decision to pursue engineering. However, going through the hardships of starting over in Canada, working at a factory, and not having a support system has made him re-evaluate what it means to be successful. “It’s not all about money for me anymore; Success is being able to feel happy and content in your heart.” Working with Combined has become a catalyst for reaching his goals. “My goal has always been to have my own family and Combined has paved the way for me to have the freedom of time to take care of them. I get to see my son grow up, and that’s something that nobody can take away from me.” Indeed, it’s a privilege to be able to combine work with family time. Ken is a long way from Palawan, but he finally feels at home. | AOM | www.angieostojic.cŽŵ ͮ &ĂůůͬtŝŶƚĞƌ ϮϬϭϴ ĚŝƟŽŶ ͮ

NEVER SETTLE FOR LESS EDGARDO “ED” DAVAC Making a Change Ed grew up as the youngest in a big family of 12 siblings, so it comes as no surprise that he considers family as the most important aspect of his life. Although he experienced poverty while growing up, he had always been grateful that they would help each other in attaining their education. Ed was working for the Department of Health as a medical technologist in the Philippines. He arrived in Toronto as a permanent resident in 1996. “I’ve always been a dreamer, and I didn’t want to settle for a normal life, because I came from a poor family with 12 siblings.” Even when he was younger, Ed noted that he was ambitious. It was this ambition that drove him to move to Canada with the help of his sister in Toronto.

Committing to His Goals Ed found his first year in Toronto the most challenging. As expected, it was difficult for him to find work in his field so he had to work the odd jobs. There were moments when he felt like giving up. “Some of my close family members were telling me to just be content working odd jobs; but I knew in my heart that I wanted to do something different.” Ed remained hopeful and after just one year, he was hired to work for a major laboratory service here in Calgary. He has been working with them for over two decades now. The opportunity to do something different came when he met Angie Ostojic and was introduced to Combined Insurance. “I’ve always had this ambition to get into business, even though my family has no background in it. I felt this desire and passion to get into sales.” Although Ed found success in his career as a medical technologist, he is now also building a career in the Insurance industry with Combined. He cited the importance of always looking for opportunities and staying true to your goals.

Counting the Wins “When I met Ate Angie, I was looking for a mentor. She taught me that I had to behave like the person that I wanted to become.” Ed attributes his success to Angie’s mentorship and to his family, who are the driving force behind his hard work. “I’m grateful to have a good family, especially my three young kids. Having them in my life feels like a success to me.” He believes in the power of goal-setting and marking his achievements. And no task is too small; Ed believes in starting the day with an achievement as simple as making his bed in the morning. Last but not least, he spoke of the value of having courage and embracing change. “You have to keep going. Pain and grief are just temporary. You have to make sacrifices now, to have an easier life in the future.”

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“The only thing that you need to succeed in this life, is courage. You have to be mentally strong and not give up.”

FINDING PURPOSE CONNIE RAZ Dealing with Grief Moving abroad was not in the plan for Connie Raz. She lived a good life in the Philippines, working as an HR manager and living with her family. “There was no need to leave the country, but then my dad started to get sick and our expenses began to accumulate.” Both her father and sister fell ill, prompting the move to Canada to help pay for their treatments. Sadly, both loved ones passed away. It was at this point that Connie questioned her life’s purpose. Her mother had passed away when she was fourteen, leaving just Connie and her other sister in the picture. Her mother’s words still guide her to this day. She would say: ‘You have to remember that there are millions of people out there in the world that are experiencing what you are experiencing, ten times worse’.

Finding Meaning Again For eight years, Connie worked as a financial advisor, where she found passion in helping people get out of debt. She recalled seeing a lot of senior workers in their 70’s and 80’s and it broke her heart to look at them. She asked herself, “Why are they still working in their old age?”. She spoke of the vicious cycle of debt ingrained in the Canadian society, where one is expected to build credit history and is therefore exposed to fast-access credit cards and big loans. “It’s heartbreaking to see people work two or three jobs just to pay off their bills. If they get sick, injured, and can’t work, they will get into debt again”. Connie is now working with Combined Insurance to answer this dilemma. After all, she knows the struggle of having to financially support a sick loved one. “That’s where the benefit of Combined comes in. It fills in the gap when you have nothing and are unable to work. Since I started with Combined in February, more than a dozen of my clients have benefited from the insurance including myself.”

"Courage is your ability to be strong in facing the storms of life.It's the inner voice that tells you to try again at the end of the day."

Meeting Angie and working at Combined Insurance felt like a Godsend for Connie. “Angie is like an angel to me. She opened my heart again to be able to help others that are in need.”

Living with a Purpose Despite the grief of missing her family members, Connie finds courage and hope in remembering her parents’ wisdom and knowing what her purpose in life is. For her, failure is not an option. “When you focus on your goal, there is responsibility and discipline. You can’t afford to just take it easy. Of course, you need some fun as well, but you should never lose sight of what you want in life.” It’s all about feeling gratitude for being alive each day, despite all the challenges and pain. Connie wants to leave this Earth feeling as though she has thoroughly shared her blessings, time, talent, and resources. “You have a purpose on Earth and a reason why God has put you here. Know what that is and work towards it. Success is made through small positive actions that are repeated daily.” | AOM | www.angieostojic.cŽŵ ͮ &ĂůůͬtŝŶƚĞƌ ϮϬϭϴ ĚŝƟŽŶ ͮ

STEPPING OUT WITH FAITH JOAIN MAGALLANES “Courage is the ability to encourage. Don’t be afraid to follow your dreams.”

Learning to Lead

Growing Pains

Growing up, Joain saw the value of being generous and helpful because of her parents. They owned a farming business, and would help send some of their employees’ children to school. Even at times when they weren’t making ends meet, they still made sure to help in any way they can. Joain understood the value of leadership at a young age. “I must have been influenced by my uncle’s work in politics who was a Mayor, so I wasn’t shy dealing with people or taking leadership roles.” In school, she became a student body president and even acted as Little Mayor. Among her siblings, they would look to her for advice even though she’s the youngest out of the five of them. After university, Joain worked for the Philippine Department of Foreign Affairs for four years before she and her husband moved to Saudi Arabia.

They lived in the Middle East for a total of ten years, her husband working in IT, and Joain working in administrative roles within the Healthcare Industry. They also served as the national coordinators for Couple’s for Christ [CFC] during their time there. “For the past 15 years, our lives have revolved around CFC and it’s our lifestyle now. We want to lead our children to do the same.” Although life in the Middle East was comfortable, they knew that the education system in Canada would be better for their children, so they took the risk and moved abroad again. As we all know, moving to a new country is not an easy experience. “Even after a year of being in Canada, we still missed our good life in the Middle East. It was a struggle to secure jobs and get our finances in order.” They were unhappy and thought of going back to Qatar but the children’s future was more important. Her husband went back to Qatar to work for one year to save money. Joain recalls living off of their savings account and having to raise three children by herself for a year while her husband was in Qatar. At one point, they considered the food bank as a resource. What kept her going was her faith in God, and as well as moral support from her husband; she continued service to The Church. She eventually found work as a receptionist, and after two months, was hired as an Employment Specialist for a vocational school.

Embracing Her Potential Joain was introduced to Angie Ostojic through a friend who is working for Combined Insurance. Within a few months, Joain had gained the courage and left her corporate job to work from home and plunge into an exciting career with Combined Insurance. Through hard work, she was promoted as a Sales lead. “With the trainings and coaching I gained from Ate Angie, I was able to appreciate my skills and abilities even more. For the very first time, I have properly established and laid down my goals, plans and actions on achieving them.” Being an agent of Combined has given her a renewed sense of optimism. “I have definitely found quality time to be with my kids more, especially before and after school. One by one, we have been able to accomplish our goals and meet our needs more comfortably. We were able to get a more reliable car to drive, take family vacations and eat out at restaurants. We are now also able to sponsor more children in the Philippines so that they can go to school. Most importantly, we now can dedicate more time to our spiritual mission.”

| AOM | www.angieostojic.cŽŵ ͮ &ĂůůͬtŝŶƚĞƌ ϮϬϭϴ ĚŝƟŽŶ ͮ

THE POWER OF PERSISTENCE MERLE AGUINALDO “Courage is feeling the fear but doing it anyway! It’s the ability to do something difficult despite the risk or pain.”

Fighting for Education Most parents dream of seeing their children graduate with post-secondary education, however, it wasn’t the case for Merle. When her older sister dropped out of university to get married and another tied the knot right after high school, her father was so disappointed that he gave up supporting their education. “I was in high school and money was scarce for my family. My father was convinced that I too would just end up dropping out of high school and get married. He was against my dream of pursuing college or university education”. Despite the odds, she graduated Salututatorian in high school and received a provincial scholarship to pay her college education, in which she earned her Bachelor’s degree in Elementary Education. She worked as a Kindergarten teacher for two years before working in Taiwan as a caregiver for three years, then came to Canada through the Caregiver program in the year 2006.

If there’s a Will, there’s a Way Merle’s motto is the well-known adage “If there’s a will, there’s a way”. There was a point where she thought that her permanent residency would fall through. “I still remember when I almost gave up on my dream of living in Canada. I was laid off many times because of the 2008 recession. I went through five different employers to complete my live-in caregiver program, which I finished in four years instead of two.” Switching employers was stressful because I could not afford to lose income as I was sending money to my father, who was ill. In spite of the uncertainty, Merle found courage from the support of her family, friends, and the church. She became a permanent resident in 2010 and married the love of her life, Jessie, the following year. Shortly after, they were blessed with their son Jace. Merle is currently working as a Child Development Supervisor and has just started her journey with Combined this August 2018. “Because of Combined, I was able to pay most of our debts within two months and even had extra money to help others in need.” When asked about her definition of success, Merle responded, “Success is feeling accomplished after achieving your goals-- whether that be in your spiritual life, family life, love life, or career.”

Overcoming doubt When Merle heard about Combined, she wasn’t very interested. She’d previously sold insurance without much success. “At first, I was hesitant to join, but when I spoke to Ate Angie, I saw the passion that she had for helping people. I believed that she could train me to become very successful. I cried when I received my first commission because the extra income was proof that I could do better than just live paycheck to paycheck.” Merle believes that with her hard work, passion and dedication, she will continue to achieve success with Combined. “Everyone has the potential to learn and grow. Being persistent is very powerful. Learn from your experiences, be positive, believe in others, and most of all, believe in yourself.” | AOM | www.angieostojic.cŽŵ ͮ &ĂůůͬtŝŶƚĞƌ ϮϬϭϴ ĚŝƟŽŶ ͮ

FOLLOWING THE SIGNS TO SUCCESS QUENNIE SENSANO A Vision For Her Future At the age of five, Quennie had set the goal to become a nurse and live in Canada. Little did she know that fate would be put into motion and that she would arrive there in the most peculiar way. Growing up, she was the eldest of two siblings. Her grandparents were established teachers in their town, and her family ran an agricultural business. Quennie became a registered nurse after college and applied to work abroad. Before she left, her uncle wrote down a phone number of a friend in Canada, in case she needed help. In 1998, she arrived in Calgary to work as a nanny. Challenges presented themselves right away. Her new employer didn’t pay her for two months, and on the third month, she found out that she was pregnant. But Quennie was adamant in pursuing her dreams. “I kept telling myself I am in Canada now and I am staying no matter what. There must be something good in store for me here.”

“Courage is the ability to conquer uncertainty.”

When One Door Closes, Another One Opens She walked away from her employer although she had nowhere to go or anyone to turn to. With nothing but faith, she dialed the phone number that her uncle had given her. “Someone answered and offered to pick me up from where I was making the call”. Her uncle’s friend ended up introducing her to a family that would change her life forever. “These complete strangers offered me free housing, a job at their store, and support in getting my permanent residency.” Their generosity allowed Quennie to work while raising her twins. She had to sacrifice sending them to the Philippines when they turned a year old, so that she could study to become a registered nurse in Alberta. The hard work paid off and 5 years later, her children and husband reunited with her in Calgary.

Fated to Meet Again Although Quennie’s life had taken many twists and turns, it’s amazing how the little details gave way to her biggest discoveries --- like the phone number her uncle gave her, and a customer that she met on her first job. “When I joined Combined in March 2018, I could not believe my eyes, she was the same customer who always had a big smile on her face that I met ten years ago! Awere fated to meet again.” Quennie has been working as a Nurse in Canada for 15 years, but her goal is to eventually transition to working full-time with Combined insurance. “During the Combined conference in Mexico, Angie made me realize that if you work hard and put people’s best interest at heart, the results will be huge and rewarding.” She adds, “I admire Ate Angie’s Giving Heart project because I have the same desire to help my community in the Philippines. With her motivation and living testimony, I am 100% sure that I can do it too!”

BETTER WHEN WE’RE TOGETHER SAM & OLIVE VARGAS Making Ends Meet Sam and Olivia have slain many metaphorical dragons together: From making a six-year long-distance relationship work, to finally living together and starting a family in Edmonton. They first met in Cavite, where Sam worked as a medical technologist and Olivia worked as a corporate nurse. Sam moved to Taiwan before they were married, working at a car parts factory for two years. “I decided to leave my profession and work for a hard labor job because I needed to earn better for my family, especially to sustain my mother’s medical expenses.” While in Taiwan, he applied for permanent residency in Canada and got approved within six months, allowing him to migrate in 1996. Meanwhile, Olive moved to California through a family sponsorship. Like many others, she worked different jobs at a minimum wage. “We had 6 years of long distance relationship until we got married and settled down in Edmonton. Starting a family was exciting and challenging. It was a slow start where we had to make ends meet week after week.” Sam worked full-time as a laboratory assistant and part-time as a food service attendant, while Olive stayed at home to take care of their son Tristan. It was difficult to earn savings, let alone make ends meet. “Our expenses were more than what we earned. It was very tough to budget something out of nothing.”

“Each one of us can make a difference. Together we can make a change.” -Barbara Mikulski

Making a Plan Sam and Olive faced each day with optimism. They made a plan to upgrade their education. They started setting goals and slowly achieved them together. “Believe in your abilities, that you can make everything possible no matter how long it takes”, Sam expressed. They supported each other until Olive finally became a registered nurse and Sam finished his health information management certification. “We are thankful to our Creator for the courage and determination he gave us from those years of struggle. We’re happy, loving what we do, and we intend to keep ourselves and our family healthy-- We consider this as a success!” They’ve both recently joined Combined after attending Angie Ostojic’s Sales overview on October 2017. “We were both inspired by her humble story and how she was able to turn her struggle to success. We love her drive and “can do” attitude-- for us it is the true meaning of Courage. It is what we need to have to attain success.”

Making a Difference They had already heard about Combined Insurance prior to joining the team, Sam having processed requests of admission records from patients that held policies with the company. He spoke to them and found out that they were happy and satisfied clients of Combined. “Olive and I never had second thoughts, we want to be part of this company.” They’ve come a long way from just worrying about the weekly grind, and now it’s their time to shine and pay it forward. “We’re committed to our goal in saving lives; sharing and educating others that we at Combined can make it easy in times of uncertainties.” | AOM | www.angieostojic.cŽŵ ͮ &ĂůůͬtŝŶƚĞƌ ϮϬϭϴ ĚŝƟŽŶ ͮ

VERNA’S STORY OF

H O P E My name is Verna. I love traveling and doing extreme adventures, which hav have included: paragliding, skydiving, bungee jumping, and shark cage diving. In a flash, my life changed last March 2017. I was rushed to tthe hospital because my body had gone into septic shock. I had to undergo un major surgery, and in order to save my life, the had to surgically removed my major organs and limbs. I am surgeons h amputee. I was placed under life support, and all the now a quadruple quad I wouldn’t survive the septic shock. They thought that doctors thought tho I would be on dialysis for the rest of my life. However, my kidneys and I didn't require dialysis after a few weeks. The started working wo has been losing my arms and legs, but I am learning biggest challenge cha using my prosthesis now. to move us Strength IIn Unity was taken to emergency was the day that my friends all came The day I w and became Team Verna. They came to the hospital every day together an after work to help me in handling legal matters, processing insurance claims, and communicating with the doctors. They made sure that I was eating properly, and they comforted me with their great voices and instruments. I felt their unconditional love and kindness. Because of instrument this, I was able to concentrate on becoming healthy and depression did consume me. I was able to find strength in my little community. not consum Learning to be Limitless I was like a baby -- I couldn’t do anything at first. I had to start "growing up" and an learn how to do things with my prosthetic limbs. My goal is to keep growing until one day I’m able to do everything ultimate go not easy, but with unfaltering determination and dedication, again. It’s n that it’s possible. I can see hope in the horizon. As a testament I know tha and determination, I won the dance contest put on to my enthusiasm enth and received VIP tickets to a meet and greet, and by CTV Calgary C in-studio iinterview with Ellen Degeneres. It felt like a full circle for me, as I remember watching her shows to help me get moment fo the long and painful 263 days of recovery in the hospital. through th

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I’ve continued to set high goals for myself since then. I’m back to doing regular exercise on a stationary bike and treadmill, and I’ve finished two 5K races with the support of Team Verna. My next goal is to run a marathon because I want to keep challenging myself and pushing my limits. I’m currently fundraising to purchase a pair of extremely expensive running blades, which will be a game changer for me. Please consider making a donation through my GoFundMe page to help me live to my absolute fullest. I sincerely hope that the story of my life will inspire you to have the courage to embrace challenge and to never give up.

--------------------------------------------------Verna

Verna’s GoFundMe Page: https://www.gofundme.com/better-prosthesis-for-verna

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TIPS ON THE BEST BUSINESS OWNERSHIP STRUCTURE FOR YOU HENRY VILLANUEVA

ongratulations on your decision to start your own business! Now that you know what you want to do, let’s make it happen and get it officially registered. Before doing so, you need to decide how your business will be legally organized. It could either be a sole proprietorship, a partnership, or a corporation.

Sole proprietorship As a sole proprietor, you own 100% of your business, which makes setting up and administering it quite easy and inexpensive. You may choose to register a trade name or operate under your own name. Tax matters are fairly simple. The best part of it is that you’re the boss. No one else can tell you what to do or how to do it. On the other side, as the sole owner, you are personally liable for all the debts and liabilities of your business, and your personal assets may be seized to discharge liabilities. Other disadvantages include lack of tax flexibility, difficulty in raising money, and a lack of coverage if you’re sick or away on vacation.

Partnership If you and two or more friends have a fantastic business idea, all of you may choose to set up a partnership where everyone contributes resources and shares profits and losses. It is important to sign a partnership agreement that covers business terms and conditions as well as sharing arrangements. Partners can either be general or limited. General Partners are responsible for all the debts and obligations of the partnership, while limited partners are only responsible up to a certain extent. If you and your partners have complimentary skills and talents and are willing to share in decision making, a partnership is the way to go. Partnerships do not pay income tax or have to file a separate tax return. Partners report their share in partnership income and are taxed personally at the end of the year. Partners need to have the confidence to trust each other. As a partner, you may be held responsible for the wrongful acts of your other partners when acting under the business. It is also important to agree upon what to do about departing partners or when and how to dissolve the partnership.

Contact Henry : (403) 383.0568 or HV.Law@yahoo.com.

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Corporation If your aim is to minimize personal liability, setting up a corporation may be right for you. A corporation is a legal entity separate from its owners; unlike a sole proprietorship or partnership. Owners, otherwise known as shareholders, are generally not personally liable for the debts, obligation or acts of the corporation. However, it is the most pricey and technical form of business ownership to set up and operate. Although you need to file a separate tax return for your corporation, you can take advantage of corporate tax benefits and deductions too; Plus, you get to have fun naming your new corporation. An Alberta private corporation can be formed by one or more individuals. When setting up your corporation, you will have to decide on the registered address of the corporation and who the directors, shareholders and officers will be. Note that 25% of the members of the Board of Directors must be Canadian Residents. Don’t forget to have your Corporate Minute Book prepared as well. It is frequently overlooked, but will assist tremendously in the future, especially regarding corporate banking, finance, shareholder, and director issues. The Minute Book should contain corporate certificates, articles of incorporation, share structure, by-laws, directors and shareholders meeting minutes and resolutions, officer appointments, share subscriptions, registers, ledgers, original share certificates, significant corporate contracts, financial statements, annual filings and other disclosure materials.

Decision Your decision on which legal form of business organization (sole proprietorship, partnership or corporation) will affect the administrative costs of setting up and operating your business, your relationship with your business partners, and your accounting and tax planning too. For your peace of mind, make sure that you obtain adequate legal advice to discuss the pros and cons of each option, so that you are picking what’s right for you and your current situation. You should review your decision as your business grows.

SUCCEED SOONER Luan Mitchell

“A Diamond is a chunk of coal that did really well under pressure.” Quote by Henry Kissinger

What does this quote mean to you? The sting of failure touches everyone regardless of their background, financial status, age or gender. No one is immune to the consequences of plans gone wrong, dreams forgotten, goals unfulfilled, or desires left behind. As soon as we can humbly and freely admit that without our setbacks, we would never have the ability or the right to speak to others about this topic, the sooner we do it, we get to help them overcome their challenges and give them hope for the future. The reason why fear is one of the biggest cause of failure is because it tends to get in the way of courage, creativity, self-esteem, problem-solving, and risk taking abilities. We hate the idea of losing or being out of control. When driven by fear, our stress increases, and the uncertainty drives us into an emotional panic state that causes us to either do nothing or do right or wrong things for the wrong reasons. As a result, failure is usually the outcome. Fear also causes us to question our motives, reasons, and our abilities, hindering us from seeing circumstances clearly and objectively. Remember that everything exists today because someone failed and kept on trying again until they achieved success. Don’t think for one minute that success comes easily and quickly to anyone. If it does, then beware, it just might be fleeting and not all that rewarding. Success, like anything else in life, is not a comparison to what others have or have not achieved, but what YOU can achieve. Anyone who has achieved success, wealth, fame or influence has experienced many failures along the way. Some failures may be more significant than others, but in the end, it isn’t the size of the failure that matters but how you react and respond positively to it. This is the way of showing leadership! Leadership is not about position or external labels. Leadership is an individual attitude that shapes beliefs, actions and behaviors. Leadership is a mindset. Without exercising leadership, we will always be followers. There are times when it is appropriate to follow, but there are also times when it is valuable to lead. In fact, the single common denominator in all successful people is their ability to face challenges with courage and hope so that they can succeed sooner. We believe in you. You are a leader! All that you need is Courage. Hope and Success will soon follow as they go hand in hand. This is the success secret that is practiced by the best, just as nature has shown us in the story of the diamond and its method of creation.

“A Diamond is a chunk of coal that did really well under pressure.”

What does this quote mean to you now?

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CANADA NEEDS SKILLED WORKERS! UNITING SKILLS WITH IMMIGRATION OPPORTUNITY THRU EXPRESS ENTRY By Rhodora “Dayene” Armada, Regulated Canadian Immigration Consultant Federal Skilled Worker Program (FSWP)

With the baby boomers retiring and birth rate declining, Canada immigration opens its doors to skilled workers as it continues to work on building a stronger country. IRCC (Immigration, Refugees and Citizenship Canada) aims to bring about 310,000 immigrants this year and will increase each year until 2020. Canada will always be the Land of Opportunity! Are you a skilled worker and want live and work in Canada? Read on as I explain to you, in a nutshell, on how Express Entry works.

WHAT IS EXPRESS ENTRY? Express Entry is IRCC’s (Immigration, Refugees and Citizenship Canada) electronic system used to manage permanent resident applications for skilled workers. Express Entry is points-based and it uses CRS (Comprehensive Ranking System) to assess the score based on the applicant’s qualifications, skills, work experience and other information.

At least 1 year or 1,560 hours total of continuous paid work within the last 10 years in a skilled occupation NOC O, A and B). It must be the same type of work that you want to use for your permanent resident application; Language ability – CLB 7 in each ability; Education – Equivalent to High School graduate in Canada. For foreign education, an Education Credential Assessment (ECA) must be obtained from an approved agency accredited by IRCC; You must get a score at least 67 points (out of 100) based on 6 factors--- your age, education, work experience, English and/or French Language skills, and adaptability; Proof of Funds – the amount of show money required depends on the size of the family; This requirement is NOT applicable if you are currently working in Canada (legally) or have an Arranged Employment Offer.

To be accepted in the Express Entry pool of candidates, you must meet the minimum eligibility criteria in any of the 3 economic immigration programs:

Canadian Experience Class (CEC) 1 year of full-time or equal amount of part-time work experience in Canada in a skilled occupation (NOC A, B and O) within the last 3 years; Although there is no education requirement, you can get additional points for education in Canada. For foreign education, an Education Credential Assessment (ECA) must be obtained from an approved agency accredited by IRCC; Language ability – CLB 7 in each ability for NOC O and A jobs and CLB 5 in each ability for NOC B jobs.

Federal Skilled Trades Program (FSTP) 2 years of full-time or equal amount of part-time work experience in a skilled trade occupation within the last 5 years; Job offer in a full-time position for 1 year OR a Trade Certificate issued in Canada by the regulatory body in the province, territory or federal. CLB 5 for Speaking and Listening and CLB 4 for Reading and Writing; Proof of Funds – the amount of show money required depends on the size of the family.

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Some Provincial Nominee programs are also eligible under the Express Entry. You must remember that Express Entry is a points-based system. The system calculates your CRS points based on your skills, education, language ability, work experience, other factors. Candidates with the highest scores in the pool will get an ITA (Invitation to Apply) from IRCC and will have 60 days to apply for permanent residency. In most cases, applications are processed by IRCC within 6 months— afterall, it is called Express Entry! Rhodora “Dayene” Armada is a licensed Immigration Consultant. Her experience is vast having processed over a thousand applications pertaining immigration matters. She can be reached at Alma Armada & Company Ltd, Suncor Energy Centre 150-6 Avenue SW, Calgary, AB (403) 538-2111 Email: rhodora@armadacompany.ca; Facebook: https://www.facebook.com/ARMADAIMMIGRATION/

AN IMMIGRATION SUCCESS STORY

BEATING THE ODDS AT 60 YEARS OLD FELIX CAPUYAN Starting Late, But Starting Nonetheless I had gone through a long and arduous journey prior to arriving in Canada. As an electrician, I had worked in places like the UAE, Saudi Arabia, Indonesia, Russia and Iran. I met Alma Armada through her recruitment efforts in Manila. I arrived in Calgary, Alberta, as a Lineman’s Helper under the Temporary Foreign Worker Program (TFWP) in the Spring of 2009. I was 53 years old at the time. Because of my age, my ability to climb electrical poles was challenged especially working outdoors during the winter season, but I could not give up. The income was good and I worked hard to support my family back in the Philippines, but unfortunately, I was laid off after 7 months due to the economic downturn. Rising Up to the Challenge I was unemployed for several months before Alma Armada came to me with another opportunity to work as a Landscaping Labourer. Within two years, I was promoted as a supervisor which allowed my wife to work in Canada as well. At the time, my biggest challenge was passing the English language proficiency exam, a requirement for permanent residency. Each time I failed, Ms. Armada would tell me, ”Don’t give up, you will pass the exam next time. Keep trying until you succeed!” I finally passed the exam on my 5th attempt and became eligible for permanent residency, but my hope quickly faded after my application got returned. The Canadian Experience Class program had reached its maximum allocation, and that had been my only option. Trying and Failing Again In January 2015, the Express Entry came into effect, giving me another chance to apply for residency. Again, my hopes were dashed when I couldn’t extend my work permit because I had reached the 4-year limit. My wife and I had to stay in Canada as visitors, living with our savings and support from friends because we were not entitled to work. The last blow came when Canada Immigration asked me to provide police clearance from the Middle Eastern countries that I had worked for over 20 years ago, which I could not obtain. At that point, I had lost all hope and told my wife, “Let’s just go home to our children before we completely deplete our savings.” Believing In Miracles A few weeks before we were set to leave for the Philippines, on November 2016, we received a phone call from my Immigration Consultant, Dayene Armada, asking us to report to their office. It came as the biggest shock when they told us that we had been approved for permanent residency! My wife and I were in tears, and the happiness that we felt was indescribable. Our prayers answered and it felt like a miracle. Without Alma Armada & Company Ltd. I never would have survived rejection after rejection, to be where I am now. They kept pushing me and never gave up even when all of the odds were stacked against me. I hope that my story will inspire you to never give up no matter how difficult it is. If I have done it at my old age, you can too!

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THE THREE PILLARS OF COURAGE BY ABEL PAGALING ow do you define courage? Is it being bold and facing situations that an average person might want to avoid, such as a medical emergency, rescuing a person from harm, or protecting someone from an imminent attack? Is it standing up to someone who is wealthier or more influential than you? Or is it facing the person – a relative, a boss, a co-worker – who behaves in such a way that’s contrary to your values and is violating your ethical standards? Whatever the situation might be, how you act when confronted by it will test your level of courage. I believe each one of us can show courage.

We can never fully define or measure the depth of courage of a person, but we can see the inspiration behind it. If we have one of these three pillars – something to live for, to live by, and to look forward to, I believe we can all be courageous.

In my experience as a coach and a publisher, I’ve come across individuals who are courageous. They have faced tremendous challenges, yet have chosen to move forward in life. They’ve become stronger with every problem they’ve successfully handled. I have noted that these individuals share certain “Pillars of Courage”.

Pillar #1: They have something to LIVE BY. They have values and principles that they use to direct their behavior. Their code of conduct guides their beliefs, which then guides their actions. For example, an individual with deep-rooted Christian values will likely have a firmer stance in resisting infidelity and the use of drugs or alcohol.

Pillar #2: They have something to LIVE FOR. They have defined their “WHY”, the reason why they persevere. It could be their children, their parents, or their community. For them, failure is not an option. I know an individual who became very successful in the engineering field even though she started at a disadvantage. She had to overcome barriers in culture, gender, and language to be successful in her field. She had something to live for, and was willing to go through these challenges for her children.

Pillar #3: They have something to LOOK FORWARD TO. They have a vision that they want to achieve and will do what it takes to achieve that vision. Having courage and facing challenges becomes a small price to pay. A friend of mine has a vision for the Filipino community that is collaborative, cohesive, and prosperous. He formed an organization that highlights successful Filipinos in Calgary and has put out platforms to encourage dialogue on the challenges that the community struggles with. He did all of this while facing criticism and objections from established groups and overcoming skepticism from pessimistic individuals in the community.

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ABEL PAGALING Abel Pagaling is a co-publisher of FCM, a multicultural magazine based out of Calgary, Alberta. He is the founder of Next Level Coach. You can reach him at,

abel.pagaling@nextlevelcoach.net

GROOMING YOUR CHILDREN THROUGH EXAMPLE

By Angie Ostojic was born and raised in poverty and forced to grow up fast. I did everything that I could to survive challenges at a very young age while dealing with emotional and physical abuse. I grew up believing that they were a normal form of disciplining children. I would sometimes cry myself to sleep due to frustration and stress. Then one night, I promised that if I were to have children, I would raise them

differently. I never held grudges against my parents because they’ve taught me the lesson of obedience, honour, self-control, and patience. I am who I am today because I have those qualities. As a parent, I believe that grooming our children will help them to live by design and not by default. They will have a better chance of reaching success when they receive proper guidance, rather than having to learn everything by themselves. Obedience is a key value for me and I teach it to my children. If they disobey, I look them in the eyes and remind them to obey immediately before doing anything else. I make a conscious decision to speak instead of ignoring them. I believe in the Bible teaching that next to worshiping and loving God, we should honour our father and mother. I teach my children to be aware of when they’re being disrespectful to their family members and those that they come into contact with. When we’re out in public and one of my children throws a temper tantrum, I’d get to their level, look them in the eyes, and reminded them to practice self-control. Kids can be manipulative in getting what they want at times, so teaching them self-control and patience can help them in becoming more mindful of others. There are many instances where I’ve worked from home and have conducted my business dealings through the phone. One way that I try to teach my kids to be patient is by reminding them to be considerate when I’m on the phone. I would ask my client to please wait, and I’d take the time to speak to my children rather than ignore or blow up at them. Now that our kids are older and in their teens, they’ve adapted and have become accustomed to showing respect, patience, self-control and obedience when it’s not always the easiest thing to do. When implementing these values, we should distinguish the difference between protection versus control. Before I decided to groom our children, I had to groom myself first because if I didn’t show respect, patience, self-control and obedience, I could not expect our children to follow. My husband and I grew up witnessing bad behaviour by our parents, and that has taught us what to avoid. As parents, we have the responsibility to exemplify good behavior and groom our children to become future leaders. Let’s start by leading through example, and by passing down good values to the patrons of the next generation. We have the choice to groom our children the right way regardless of how we ourselves have been raised. We can use our negative childhood experiences to inform but not define our own parenting styles. The decision is ours to make.

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The Calgary Business & Wellness Centre [CBWC] is a space funded by Giving Heart Inc. available to all like-minded people with the same mindset of serving others, getting together or networking with a common goal.

Success Now Multimedia Inc. provides social media management, website development and publishing. They offer services such as content creation and brand management for businesses. To take advantage of the free space at CBWC or to hire the Success Now Multimedia team, please email team@angieostojic.com or call 403-835-4599.

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ANGIE OSTOJIC CEO (CHAMPION ELEVATING OTHERS) INVITE ME TO SPEAK

JOIN MY TEAM

Angie Ostojic is a visionary leader, entrepreneur, loving wife, mother, and a motivational speaker. She has over 18 years of business experience, having been recognized as a Top Organizational Leader with the Most Team Growth. She and her husband Tony are currently one of the Top Income Earners within the insurance company they represent. Her life experiences continue to inspire her to help others, like her Giving Heart, Inc., which supports and partners with organizations that help to feed and educate children in the Philippines. She has also founded Success Now Multimedia, which aims to help businesses build a good reputation through online content management. Her latest project, the Angie Ostojic Magazine, features success stories and ideas that inspire ordinary people to live extraordinary lives. Angie is constantly looking for people who have a burning desire for change. She runs a weekly personal development training for people from different walks of life to guide them in achieving their goals. Her success story has inspired many to never give up on their dreams. Angie would love to be invited to speak in your events.

www.AngieOstojic.com

AngieOstojic

Angieostojic

team@angieostojic.com

Unit 110N 3015 5 Ave NE, Calgary, AB T2A 6T8, Canada | Phone: 403-835-4599