Friday, June 18, 2010

A Review of CA2020 scam-or-not-a-scam?

The Truth behind CA2020


The complete lowdown and process of ca2020 - from what happens when you
finish all the courses to how they earn their money (source: ):

Have you been invited or are you being invited by any member of a so-called
community named "Create Abundance 2020" or "CA2020" for short? They say that
they would like to make the Philippines a "First World Country" by making
Filipino "multimillionaires".

If you are not aware, here is a brief introduction to this community.

CA2020 Free Wealth Courses
They have 3 "free" wealth courses in which you have to finish a task to be
able to attend the next module.
Their first module "Awareness". They make you aware of what the future holds
for you with your current situation. But for this module I think the concept of
"Money Jar" stand out. It did help me manage my money more efficiently.

Money Jar as Money Management
Necessity - 50%
FFA (for Investment) - 20%
LTS (Lifetime Savings) - 10%
Education - 10%
Play - 5%
Give - 5%

To be able for Mr. Wings to attend the second module "Unlearning", he have
to invite 2 people to attend Module 1 and 101 ways on how he can be get
Php1,000,000.00 in a week. This can include logica/illogical or legal or illegal
ways. If he is having second thoughts, he will still be follow-up by this
community. Even if you say "NO", they will still ask you few more times. Now,
let us say that Mr. Wings attended this module, he is able to invite 2 of his
friends. This lecture is about what is your way of thinking about rich people.
How you're thinking is influence by your parents and their previous experiences,
media and your surroundings. They will ask you to keep an open-mind during the
discussions and to be as honest as possible. The moderator for this lecture was
good and got me more interested and intrigue.

Module 3 "Relearning", to be able to attend this module, Mr. Wings have to
invite 2 people more to attend module 1 and write 101 reasons why he want to be
rich. The reason that he will he be stating will be based on his dreams,
ambition and goals. Still, CA2020 will do continuous follow-up on him to finish
his 101 reason. Again, the discussion was good and believable. This is the part
that he is asked if he will continue or stop. He can say "YES" or "NO".

Wealth Courses are held in the following:

Monday/Tuesday - 3:00~5:00 and 6:00~9:00
Before: Starbucks, Pearl Drive Ortigas Complex, Pasig City
Now: Shangrila, Near the Cinema

Wednesday/Thursday - 3:00~5:00 and 6:00~9:00
Paseo de Roxas Bldg. Makati

Most of what they teach are from Robert Kiyosaki and T. Harv Eker Books.
They also quote some entry in the books and tell it to the attendees of the

CA2020 Cash Flow 101 and Cash Flow 202
I was also able to attend the cash flow game of R. Kiyosaki organized by
this group. They asked for Php400.00/player or 200/player of group of 3 which is
used for the players lunch and rent for the place . I only played once but I
have to admit the game was fun and educational. It is something new for me. It
was done every Saturday and Sunday or special events. They usually hold it in
"Spicy Fingers" and "Makati Stock Exchange". By the way, Cash Flow 101 Board
game made by R. Kiyosaki costs approx. Php15K and we only found 1 in Toy 'r Us
at Robinson Galleria.

Start of the Dilemma
Again, let us assume that Mr. Wings said "YES" after module 3, to be able to
attend the Module 4, He have to state 101 reason why he want to be a member of
the"Core Team". Also, he have to read "Why We Want You to be Rich" or what they
call "3wytbr" by R. Kiyosaki, CA2020 Power Investing Plan, Do you have what it
takes to be rich and Top 10 to do before joining the CA2020 Core Team. Of
course, he finished them all, so he was able to attend the next module. Now,
during Module 4 another coach gave some questions during the discussion which
the goal is to get his "deeper why". He wrote down on the paper
Php1,000~Php50000 denominations and asked mr. Wings to write names of friends
that he think will lend him the money that will have a total of Php100K. Yes,
I repeat Php100K. Then, he was asked to send text messages to this people and
see if how many will lend him the money. This is what they call "NT" or
"Network Test".

What is the money for?
This is the fun part, most of the people who attended the wealth courses
were fueled by their curiosity. Why? because if you talked to a coach and he
said that "I did not experience employment, after graduation I found this
community and joined. Now, I am earning passive income.". Who would not want
that kind of life, or who would not want to earn passive income? So you start to
ask how can they do that, what are their businesses? They will say that if you
are not a member of the core team, it is a secret. They will tell you that "if
this secret/system is broadcast to the public then many would like to join,
anyone can join. Here are some more lines that you might hear:

1. Have we sold anything to you?
2. Big Business owner do leverage on "Other peoples time (OPT), "Other
people money(OPM)", "Other people resources(OPR)", "Other Peoples skill(OPT)",
3. Imagine through if there is 150 members in the community and each member
net worth is 1,000,000, you have 150,000,000 total net worth.
4. Answers will be given one step at a time

Now, I think it is time to answer the question what is the 100K for?

Mr. Wings was able to gather 100K, he have to bring the money and attend the
Pre-Panel. What is Pre-panel? Mr. Wings will be given a "application form" (but
they call it a contract) of nu skin Enterprises (Nse). Nse is a legal and good
company (you can check their site if you like). Yes, it as you think, the 100K
that you leverage with other people will be used to buy Nse starter kits. Normal
process, to be a distributor you can spend 12,600 or 21K++ and they are point
basis, CA2020 is no exception.

How to return your 100K?
Mr. Wings is not familiar with this company, that it is a kind of network
marketing. He gave the 100K and buy the kits. To return his 100K, he is shown
the "compensation plan", but to make it short you have to, as to what their term
is "invite" 4 people who will join the core team and spend 100K. This is what
CA2020 call "Innovative Franchising". It is their "First step" to earn passive
income. To increase Mr. Wings passive income through network marketing he and
his other invites must invite more people who are willing (sort of).

They say, they have other source of income, that Nse is only 5% of the whole
picture. They will say "We are looking for leaders", or in network marketing
term "downline". They will also differentiate "downline" from "leaders", they
say leaders because they train you how to talk and express your self, "to
prepare you to be an entrepreneur". Well, they do provide leadership trainings
which include their free wealth course. Furthermore, they say to a new core team
member, "all you have to do is invite, we will do the rest". "The rest" means
the community will "convert" your invites so they might join the community.

For my points of view,

a. Nothing should be kept especially if it involves that amount of money.
b. It is like that the dreams, goals or ambition of the person attending the
wealth course is being used
as ammunition for hypnotizing these person.
c. Since the person joining the core team is entrusting their dreams to the
community, everything
should be open or cleared.
d. Do not call people "losers" just because they quit. It is said that
personal growth is developed in
this community but this behavior does not show it.
e. If you are not prepared to do their system, stop now, cause it will be a
lot harder getting out
and it is hard to return the 100K.

I wrote this blog so that people who are searching about CA2020 will be able
to see what they are getting in to especially if details are being kept from
them. I am not saying that they are a scam or not a scam. The judgement to this
will still be from the person who is going to enter this community. For those
who will be or planning to join, please do proceed with caution, Do not let your
curiosity get the best of you. Remember that "curiosity kills the cat".

Shared info Only


  1. Scam talaga CA2020. They're saying that their coaches are generous and kind enough to spread financial wisdom but they really want you to join NuSkin and be part of their downline! "Kikita ka, kikita din kame!!!'

  2. When you go into business you always make sure that the contract is transparent right? Or else you cancel the business deal. If it involves money everything should be transparent or else its a SCAM.

  3. my ate's boyfriend is a member of ca2020. he deceived my ate into joining this group. after 10 years, her boyfriend is still living with his parents, doesn't own a car, or any investments. worst, scam nia pati ate ko. my family will never forgive her boyfriend. marami na silang nabiktima. scam is rooted in deception.

  4. Conman Rovel Tomambo (aka Coach Rovel) Finally Convicted

    The notorious Thief, Embezzeler and Conman Rovel Tomambo's application to have his conviction overturned was treated with the contempt it deserved by the court. His arrest warrant stands, and he is on the run. The court denied, due to lack of merit, Tomambos’s manifestation and motion for reconsideration and to recall warrant of arrest, so his conviction and the warrant issued for his arrest stay.

    See attached court documents showing Tomambo's loss of hs real estate licence, and his conviction for Estafa. I can supply you a full list of the contact details of the many people who he stole their life savings.

    While he claims that he made all his money being a bigtime real estate agent, in fact in the entire time he was my business partner he sold one small beach. It was me who developed the business, dealt with all the clients and made all the sales. In return Tomambo stole all my money, my business and 18M pesos from our clients. He left me penniless while my wife was in hospital having my daughter.

    The fact is that Rovel Desierdo Tomambo is a fraud and conman who after 10 years was finally convicted of Estafa, see attached arrest warrant and proof of loss of licence for fraud.

    It’s appalling to me to see this criminal draping himself in the cloak of respectably of decent organisations such as CREBA, and the APO. He has no right to be in those associations, especially as Alpha Phi Omega demands HONESTY as the number 1 criteria in the pledge for its members.

    Nationwide notices of Tomambo's Arrest Warrant will be published in the Philippines media, and I urge anybody knowing this conman's whereabouts to contact the NBI in the Philippines.

    Mr. Cheyenne Morrison

    • I am Rovel Tomambo's former business partner
    • I made every property sale at Elysian Fields Realty bar one small beach by Tomambo
    • It was me (not Tomambo) who created the business and featured by the media
    • I was defrauded by Tomambo and I'm Cooperating with all clients defrauded by him


    A Warrant of Arrest has been issued for Rovel Desierdo Tomambo, please see attachments.

    On June 23, 2008 Rovel Desierdo Tomambo was permanently stripped of his real estate licence, and a few days ago on May 19, 2014 he was finally convicted of Fraud and sentenced to 4 years and 2 months jail.

    1: Rovel Tomambo found GUILTY of Estafa (fraud) on May 19, 2014
    See attached scan of original judgement

    WHEREFORE, the court finds ROVEL TOMAMBO y DESIERDO GUILTY beyond reasonable doubt of the crime of Estafa under paragraph 1(b), Article 315 of the Revised Penal Code. Applying the Indeterminate Sentence Law, he is hereby sentence to suffer the penalty of imprisonment of FOUR (4) years and TWO (2) months of prision correccional as minimum to TWENTY (20) years of reclusion temporal as maximum and to indemnify (complaint’s name removed) the sum of THREE MILLION FIVE HUNDRED SEVENTY FIVE THOUSAND PESOS (Php3,575,000.00) with interest at the rate of six percent (6%) per annum from the filing of the information on May 15, 2007 until fully paid.


    Manila, Philippines, May 19, 2014


    Criminal Case No. 07-252867: PEOPLE OF THE PHILIPPINES, Plaintiff, versus ROVEL TOMAMBO y DESIERDO, Accused
    Regional Trial Court, National Capital Judicial Region, Branch 30, Manila
    Judge: The Honorable Lucia P. Purugganan
    Court Promulgation Date: May 21, 2014

    2: Rovel Tomambo’s Real Estate Licence Revoked Permanently for Fraud
    Housing and Land Regulatory Board, June 23, 2008
    HLURB Case No. REM-061606-13379
    Real Estate Brokers license #: IV-08-027-2004
    Scanned copy attached as proof

    WHEREFORE, PREMISES CONSIDERED, judgement is hereby rendered, finding respondent Rovel Desierdo Tomambo guilty of demonstrating his unworthiness to transact the business of a real estate broker and hereby cancel the registration of respondent as real estate broker/dealer including that of his agents and salesmen.

    This can be verified by contacting the following …

    Realtor Bobby Sy will attest to Tomambo defrauding me

    Realtor V.V. Soliven (my Ninang) will attest to Tomambo defrauding me

    Department of Trade and Industry
    DTI Call Center
    (+632) 751.3330
    (+63917) 834.3330

    Housing and Land Use Regulatory Board
    National Capital Region Field Office
    NHA Compound, Kalayaan Avenue, Diliman, Quezon City.

  6. BEWARE! Rovel Tomambo, aka Coach Rovel is marketing real estate under the name Investphil Realty and a variety of other companies despite losing his real estate licence for fraud on June 23, 2008, and being convicted of Fraud/Estafa in 2014.

    On May 19, 2014 Rovel Desierdo Tomambo was finally convicted of Estafa and sentenced to 4 years and 2 months jail. A Warrant of Arrest has been issued for him, please report his whereabouts to Police or the NBI.

    Behind the following companies: Palawan Islands, Rovel Realty Services, Elysian Fields Realty, RovLand Realty, Rov-Land Realty, Empyreal Inc, Nu Skin, NSE Philippines, Life Entrepreneurship Program (LEP), Global Capital Investment Ltd. Hong Kong, Investphil Realty, Create Abundance Network aka Create Abundance 2020 aka CA 2020 aka CARENET aka CARENET COOP aka Creating Abundance in Real Estate Network Multi-Purpose Cooperative (CARENET MPC)



About Me

In honor of Commander Liwanag of Hukbalahap. Who visited me in my birth and story I heard about this great leader. The teaching and believe He share with my family about doing good and doing right toward others. Despite many bad things happening in our country. We must never do wrong or bad to make a living or profit that jeopardize other people. All wrong or bad must be expose to see the truth and the light. That other will not follow and be aware of this misdeed. Make a living by hardwork and good deeds. I maybe forgotten but my legacy live on to you who believe.