Communications Center for Holy Gardens: May 2017

May 31, 2017

HGOMP Latest Pictures of Delivered Backfilling Materials_May 30, 2017

PAGSASANAY SA TAGUMPAY

May 29, 2017

HGPMP Roadworks from Garden Estate going to SSN May 29, 2017

PAGSASANAY SA TAGUMPAY

May 27, 2017

The importance of goal setting and thinking and planning for the future

PAGSASANAY SA TAGUMPAY

Rizal Philippines
May 27, 2017

We often hear the word goal setting, planning for the future. How many actually pay attention to this?

In an experiment conducted by Science Discovery, nothing could have influenced the outcome except the idea that such will be happening. Thus the future events actually draw in or determine the present. There could be such thing as fate, destiny or predestination. That could be coming from the outside or predetermined/planned by the individual. Do you believe.?

The future predetermines our present

What are the signs that you will be rich?

PAGSASANAY SA TAGUMPAY

Rizal Philippines
May 27, 2017

We are encouraging on daily basis to train you and every body by coming to work 30 minute before time NO time for delay Do it now..

And to execute your job on time and to be action oriented.
Getting things done, avoiding alibis and excuses and blaming others for job left undone

May 25, 2017

MC on proper management and control of PPA and other accountable forms

Memorandum Circular No 2017

: To All CMO

CSS 2

Treasury Assistant

cc: Mam Madel

Chief Accountant

Objectives:

1. To lessen losses and problem about missing PPA

2. To ensure integrity of our sales processes

3. To improve our relationship with the customers

Reality background

The following things were observed in Calamba:

1. While we sent many PPA, we ran out of PPA because many agents took home pads of PPA leaving nothing for the office

2. PPA during the past campaign resurfaced in this new sales campaing showing loose control of PPA

3. Employees and cmo were observed to be approving the PPA despite instructions on the contrary. If we allow the sellers to take home the PPA, and the employees to sign the contract, it is possible that they will on their own sell the plots and collect monthly installment for their own account. It has happened in Calamba lately: ie the customer got a plot in March, and paid promptly his amortization. The seller did not remit the colleciton

What:

Correct procedure on the issuance and control of PPA:

MC on proper conduct of Trainees RI to R2

Memorandum Circular No 2017

Subject: Proper Conduct of Trainees during the probationary period:

Objectives:

1. To have professional productive and performing employees in the company

2. To build a strong organization and bright future for every one.

3. To build morale and discipline in the organization

Reality:

We have new recruits who have been improperly trained and have even created problems for the company. They have not performed and even tried to shape the company and influence our employees to conform to whence they come from;

Pre employment:

1. As much as possible we do not run after candidates who do not answer text messages or who do not report on the appointed time.

2. After interview with the GM no further interview (final) unless the following have been completed)

1. Background investigation following the correct format; A special attention must be made on previous employment especially conduct on the job.

2. Completion of requirement.

3. Health condition family situation. We do not wish to hire new employees who have great financial burden due to health condition of spouse or other member of the family who will affect the performance of the employee on the job

4. Is the female pregnant or about to get married. Is he going to be unproductive soon when she has a baby. As much as possible we avoid hiring employees who have infants and or children who are only 7 years or below (they get sick often)

Orientation:

1. All employees whether officer or the staff must undergo orientation before being part of the plantilla. For this the employee must be given certificate or training supported by signatures and proofs that all the subject matter were taken up

2 Those who are late or fails to attend any of the session shall be dropped from the rolls; and also those who fail to produce the outputs.

3. Completion of requirements of the orientation: projects reports, tests, and ppt.

4. The format of orientation is AM theoretical and exams, PM practical: On the job training

5. The staff must be impressed not to go home if the seniors are sweating it out to understand the meaning of hard work.

6. Learning to do: dapat matutong maging service oriented (oto san) clean offices clean tables buy food, and other minor tasks

7. Panunumpa: The trainee must be sworn in before her colleague in a ceremony . Pledge must be signed and filed at 201 file

AT THE END OF THE ORIENTATION, the trainee must: or have changed his mindset:

1. Is positive about life and job

2. Is solution and action oriented;

3. Has a right attitude towards the company and his co worker;

4. Understands and embrace the company business (patay) its product,history and show signs of care and ownership.

5. Has abandoned the undesirable words and thoughts)

Beefing up our customer service personnel and program

MC No

Date:

Objectives:

1. To generate more repeat sales

2. To recruit more disciples and apostles to talk about products

3. To fight and defeat the competition

4. To further delight the customer

What: to have infrastructures and personnel and system to further delight our customers

This program consist of:

1. Rewards and card system for existing customers; more promo items for our customer (part of the 20% ME)

2. Additional positions to handle customer service program at BPI and at the SBU

3. Construction of customer lounge like in Calamba and Pangasinan

1. Rewards and card system

This will enable us to save on: ME and CF as we will only spend for the card and the reward points which is usually 1/2 of 1% in most stores.

Types of cards:

Say

for Holy Gardens

1. Kapamilya cards for purchases of 30,000 up P100,000

2. Silver Card for purchases of P101,000 to 499,000

3. Prestige Card for purchases of P500,000 up to P999,000

4. Platinum Card for purchases of P1,000,000 up

Privileges:

1. 3% discounts on repeat sales without agents

2. 1 rewards point for every P500.00 payment, one point is P5.000

if they pay in the office. 0 point for payment for collection from the house.

3. Special promos for prestige and platinum card like:

1. Dinner for two at a select restaurant

2. GC for new purchases

3. Priority when there are promo items

The above will be managed overseen by:

j SAA at 3ffb

Third CSS (who is a true and dedicated CSS for customer service/CRM

For Majorem Lending:

1. All good paying buyers of Holy Gardens will be issued Majorem EZ Credit Access Cards that will be pre approved, upon proper meticulous credit checking.

2. The card shall have maturity of 3 years

3. The card will be sent to the residences of the buyers and will be activated when they agree to the terms and conditions of the EZ credit access card:

(in addition to the general conditions of the card)

1. That they can get up to 70% of the NLP (current market value) of the plot they purchased)

2. That they would sign the necessary docs when they avail of the credit;

3. The interest rate shall be prevailing interest per month plus 4% monthly penalty compounded

THE CARD SYSTEM WILL BE OUTSOURCED PROVIDED THE TOTAL AMOUNT SPENT INCLUDING THE REWARDS POINTS SHALL NOT BE MORE THAN 3% OF THE ME.

2. CUSTOMER LOUNGE

We shall construct, as we build the new office of Calamba a space for customer lounge which could be 40 to 50 square meters. Its features;

1. Carpeted

2. Well lighted (soft lighting)

3. Well appointed interior design

4. With reading materials: magazines and newspaper

5. Soft music

6. Hotel standards CR

7. Free coffee, tea or even soft drinks and food servers to boot

For Pangasinan, we can have one of the chapels temporarily, or have an area in the crematorium for the lounge.,

3. Additional personnel

1. The SAA

This is in addition to the current records assistant:

The responsibilities:

1. Supervision of records receipt, checking, signature and delivery to the customer within 7 days, with estate management, health tips brochures hand outs/manual, promos, vitamins and other goodies

2. Repeat sales

3. Recruitment and training and sales directors/sellers including their SEAD and making sure that their com are paid ASAP

4. Resolving customer complaints asap, on: missing undelivered docs, lousy interments

5. Making sure that the card system works well

6. Crafting events and promos, sales campaign for the SBUS

7. Coordinating sales target achievement across the board: holy gardens, destiny, and Majorem Lending

2. Additional CSS (the third CSS at the SBU)

CSS I Sales and Marketing

For sales and marketing purposes at the SBU:

1. Reports on DPMS from the office personnel and the sellers

2. In charge of recruitment and training of additional sellers at the SBU

3. Sales and collection report

4. In charge of deposit of funds to the bank

CSS 2 Interments

1. In charge of interment: the IA and interment checklist

2. IF replenishment

3. FOFF and Obits

4. Tributes and their uploads to the proper blog and website

5. Inc charge of the collection issuance of OR

6. Proper accomplishment of PPA and pouching to the 3rd

custody of OR and PPA

7. In charge of the master file together with SFC

CSS 3 Customer Service

1. In charge of rewards system and delivery of cards and attending problems thereof

2. In charge of lounge or about to be made lounge

3. In charge of social media posting: blogs and facebook

4. Regular posting at best pictures and Kaizen report

5. In charge of QR code (to be coordinated with CSS 1)

6. In charge of free wifi at the site.

7. In charge of birthday greetings for the customer, remembrance of the birthday of the deceased, posting the same at the display board, 40th day and death anniversary

8. Shall be in charge of leaflets, tarps, custody safekeeping and inventory of promo items

For compliance. Inform me of your action plans and programs

Jorge U. Saguinsin

The Holy Gardens Group - "THE MEMORIAL EXPERTS"

Holy Gardens Plus - about sales of services as addition to the plots bought

Destiny Financial Plans Inc - about duly licensed memorial plan for sales

Griefshare - free obit posting

Holy Gardens Best - best pictures

Landscaping ideas - gorgeous landscaping ideas

CONFIDENTIALITY NOTICE/disclaimer: The information contained herein is strictly confidential in nature and is the property of Holy Gardens Group and intended only for the intended recipient and its reuse,reprinting or taking action other than the intended party is strictly prohibited. Holy Gardens assume no responsibility liability arising from such unauthorized use.

RRURAC: Read, Respond, Understand, Reflect, Apply and Check SBUS and their staff are obliged to vist the said site to comment. It is a way of having shared learning

BIDDA: BELIEVE INSPIRE DREAM DO ACHIEVE

Google.com+/HolyGardensGroup

Claim that the article on the bait lake fishing rod and cooking could not be found

To: Ms. RCG

Subject: Claim that the above mentioned article is unposted.

I am quite surprised and even suspected that I might have a brain disease of memory lapse on the above mentioned subject.

Lo and behold, the article is there. It must be that your office did not search enough, or that we do not do not really read our communications.

Kindly click to this link

http://holygardenscommunity.blogspot.com/2017/05/secret-of-business-and-marketing.html

This was contained in an email that read:

"Your office is enjoined to RRURAC this article

Submit your reaction/comments (and or post at the comment ) not later than tomorrow"

Secret of Business and Marketing Success

This office appreciates if our direct reports do not say wala po,, or could not find it. More resourcefulness and hard work is in order.

By this time we should have matured in our jobs

One of the goals of this office is to have shared learning. The above knowledge is very important for us to have shared beliefs on customer service and understanding the true meaning of a business.

Jorge U. Saguinsin

The Holy Gardens Group - "THE MEMORIAL EXPERTS"

Holy Gardens Plus - about sales of services as addition to the plots bought

Destiny Financial Plans Inc - about duly licensed memorial plan for sales

Griefshare - free obit posting

Holy Gardens Best - best pictures

Landscaping ideas - gorgeous landscaping ideas

RRURAC: Read, Respond, Understand, Reflect, Apply and Check SBUS and their staff are obliged to vist the said site to comment. It is a way of having shared learning

BIDDA: BELIEVE INSPIRE DREAM DO ACHIEVE

Google.com+/HolyGardensGroup

May 18, 2017

Secret of business and marketing success. Can you guess?

PAGSASANAY SA TAGUMPAY

Rizal Philippines
May 18, 2017

After all these years of conversation and doing business, would you guess what this is all about?

We had a staff who just recently resigned and made investments of anger and animosity. Would she be successful in her career especially in selling if she persists that way?

How about you?

Read more on secrets of marketing and business success revealed

May 15, 2017

Report on trip to Canlaon City and rest of Negros Oriental

This is the summary of possible business opportunity in Canlaon City and Negros Oriental.

Our trip took us from airport in Bacolod, then passing through mountain passes to be in Canlaon City. We arrived at Bacolod Airport at 5:30 (left Naia 2 at 4:30)

and Canlaon City at 8:00 am. After breakfast, we went around.

1. Canlaon City

Canlaon City is a 4th class municipality with total population of 57,000. Most of the land in the city proper used for market,church, and munisipyo was donated by the Bautista family (side of mother of Dr. Joaquino It is some 90 km from Bacolod and 160 km from Dumaguete

The weather is cool and the city was to be the summer capital of Visayas for the right reason It is 2,800 ft above sea level. . It is also the vegetable basket of Visayas where cabbage sells for P10.00 per kilo. If you want to invest in food security. (some city planners and DOT can position Canlaon is the summer destination of Negros.

Properties presented:

1. 5 hectare of Dr. James which abuts and besides the municipal cemetery is full. He said he bought this because the munisipyo planned to buy this from him to expand the cemetery. This is flat and rolling. This office plans to devote 1 hectare for masa building apartments for rent sale to poor people, say P6t for every five years. The rest of the property will be below the ground at P20,000 per plot double interment //

The net to us at 50% NLP is P53,000,000 and we would lose if dev cost is at P1,000 per sm. We limit this to P700/sm.

First priority

2. 4 hectare of Bernard Bautista (tito of Dr. James) with 73 meters width and 500 meters length (just like Holy Gardens Angono, a long strip of land) passing beside the Caltex Gasoline station. At 2t selling price (which is rather stiff at the place)

At P2000/sm

28,000 x 2,000 56,000,000 84,000,000

Less Me: 5,600,000 8,400,000

Net SP 50,400,000 75,600,000

say 70 30

30% 15,120,000 22,680,000

70% 35, 280.000 52,920,000

Our net dev cost 25,000,000 25,000,000

Gp 10,280,000 27,920,000

Not worth it?

Worth it if we can sell at P3,000

3, 5,000 property besides the St. Joseph church

We can have this at the sidelines but can be an ossuary and chapel in the future. Business model yet unknown.

4. The Torralba active property

20 hectares in all owned by Bernard but abandoned by Torralba

He can set aside 17 hectares. We can position this as a the homes in the summer capital of the Philippines. Swiss vilage

170,000 x 70% 119,000,0000 x 3t = 357,000,000

less com 35,700,000

Net sales 321,300,000

Dev cost 170,000,000

GP 151,300,000

Looks like a great project

But risks are high

Other towns that are possible sites:

2. Vallehermosa they have a site near the cemetery 4 hectare, about 2 hectare nakalutang, 2 hectare fish pond. Good for cemetery. The project of Eduarte will work here. Vallehermosa is a 3rd class municipality and overtaken by Canlaon city.

3. San Carlos City.

Canlaon over looks San Carlos City. Population is at 123,000 which makes it ideal for memorial park project. We will look into this later on

4. Bais //

The Vicente family owns 3,000 hectares here. There is a site that can be cemetery, di tambakin. near the municipal cemetery possibly for JV. The family may ignore if this is for just 3 to 5 hectares. Bais is a 2nd class city with population of 76,000 and famous for the sand bar, whale and dolphin watching. Known as the cleanest city in Negros

5. Guihulngan

The largest town of Negros Oriental. We did not visit. The population is and it is 130 km north of Dumaguete It has population of 95,900. It is thus ripe to be a site for a memorial park

6. Sibulan ///

It is is 3 to 5 km North of Dumaguete, site of the port and airport. There are still cheap land available for JV. It has population of 59,000, ripe on its own for MP project. It is virtually the city proper and can just be like Oton Totek has cousin there, and Bernard recommends that we have one there.

Some strategy:

1. All jv

2. Zero or no dp

3. We find co developers.co Ben. engage Dante Dira

4. For mp, zero no dp, five years to pay, generous com for agents

Jorge U. Saguinsin

To "be the best, do your best, expect the best" always

N.B. The information contained herein are private and confidential in nature. The sender does not assume any damage that may arise from improper use of the email contained. ; especially if the information in this communication falls into the wrong hands causing damage and loss. to the company or any other parties.

May 11, 2017

Management Training Program

To : HR

Thru: MRS

Subject: Management Training program

We will restart a management training program for fresh graduate:

Objectives:

1. To ensure that we will have fresh supply of officers who will man our expansion and our provincial assignments

2. To have a pool of expatriates (those who are willing to be assigned elsewhere

3. To avoid the Peters principle trap for matured experienced but inflexible staff

Who:

1. Fresh graduates, top 10% of the graduating class.

1 from Calapan, 1 from Oton, 2 from Calamba, 2 from Pangasinan 2 from HO

2. Member of org or with leadership qualities

3. Broad minded and trainable

4. Flexible

5. Passionate and ambitious

How:

1. Salary shall be entry level but with P3,000 training allowance monthly.

They will be given practical and written exam,. passing grade is 90.

2. They will be rotated at various positions:

1. field operations maintenance and landscaping

2. customer service interment

3. finance accounting

4. 3ffb experience hr, sales admin, pouching training

An on the job training program will be prepared which will be prepared which will intensively give the MT theoretical and practical knowledge about the business and its operations

3. After six months, the trainee shall be assigned to a supervisory position, either as full supervisor, or assistant, and his salary accelerated to such level, with out going through the R levels. (or dropped from the rolls)

4. The candidate shall be judged on the following:

1. Outputs

2. Attitude

3. Capacity for hard work, (can he work under pressure?)

For your consideration.

We could start this program in June and start the search soon.

Jorge U. Saguinsin

The Holy Gardens Group - "THE MEMORIAL EXPERTS"

Holy Gardens Plus - about sales of services as addition to the plots bought

Destiny Financial Plans Inc - about duly licensed memorial plan for sales

Griefshare - free obit posting

Holy Gardens Best - best pictures

Landscaping ideas - gorgeous landscaping ideas

RRURAC: Read, Respond, Understand, Reflect, Apply and Check SBUS and their staff are obliged to vist the said site to comment. It is a way of having shared learning

BIDDA: BELIEVE INSPIRE DREAM DO ACHIEVE

Google.com+/HolyGardensGroup

Revision of agreement for pay card.

To: Treasury Assistant

Subject: Revision and inclusion in the pay card of terminal pay inclusion

Please have an agreement with the employees/holders of such to have an agreement:

1. That such card is the property of Holy Gardens groups its affiliates and assigns and shall be returned to the company upon death, separation, loss theft by the holder.

2 That the terminal pay of the employee shall not be through this card but shall undergo the normal procedure of clearance as enumerated in the employee handbook and is the normal procedure for dismissal or resignation. The terminal pay shall be through check and after signing a quit claim document

3. That the holder shall be responsible for the safekeeping and proper maintenance of the card and could not claim non payment/non receipt as an excuse from such negligence.

I have noted that many companies using atm or pay cards have reverted to the check mode again because of challenges of:

1. Missent pay

2. Nakurog, problem with ATM machine

3. Hold ups of employee withdrawing from ATM machine

For consideration

Jorge U. Saguinsin

The Holy Gardens Group - "THE MEMORIAL EXPERTS"

Holy Gardens Plus - about sales of services as addition to the plots bought

Destiny Financial Plans Inc - about duly licensed memorial plan for sales

Griefshare - free obit posting

Holy Gardens Best - best pictures

Landscaping ideas - gorgeous landscaping ideas

RRURAC: Read, Respond, Understand, Reflect, Apply and Check SBUS and their staff are obliged to vist the said site to comment. It is a way of having shared learning

BIDDA: BELIEVE INSPIRE DREAM DO ACHIEVE

Google.com+/HolyGardensGroup

More opportunities abound: new projects new ventures

Yesterday, we had almost 5 hours meeting: 2 hours in the morning and 2.5 hours in the afternoon. I also saved a trip to Mindoro to talk to Percy Martinez to talk about back filling and completion of major roads in Holy Gardens Calapan.

1. With ABKT and AB3

1. We signed the 37 million assignment of plots at Holy Gardens Greenhills, in exchange for the 37 million worth of shares. completing the 2nd of the 3 phases of the assets exchange (the third phase will be the 17 million subscription to free the company from CGT

We also signed the supplemental MoA

The next phase will be for the P17 million for the subscription receivable. This will be a no cash out transaction. AUG will borrow from Amber Properties, P17 million, then AUG will use this to buy P17 million worth of plots AUG, AUG will use the amount to buy the subscription receivable from AB3 et all.

The final submission delivery of the Deed of Assignment of Shares shall be completed upon the completion of the P17 million purchase of the subscription receivable.

The others will be involving the cash, ICR, and Trust Fund

The name of the company will be changed to Holy (alternative Ang Uno) Gardens Life Plans and new office shall be at 3f Juana Merced Building, Angono Rizal.

We will be engaging the services of Atty. ABKT at P10,000 a month for Destiny who will initially handle the project for IPO: Holy Gardens Life Plans, Chapel and Crematory.

2. With Percy Martinez for Calapan:

1. We will engage him to complete the backfilling banlik for 1/2 of the HGCalapan

2 Phase 2 the construction of the major roads at the 1/2 of the park.

3. With Ben Alcantara.

1. The Holy Gardens Memorial park

Area: 11 hectares

Number of Plots 28,000

Estimated Market value 1,120,000,000 at 40,000 per plot

Target Market population 300,000

Although there is an offer of a co developer, we will only do a bidding for the contractor, straight contract.

Estimated price is P60,000,000.

2. St John Marbel South Cotabato

Area 3, hectares (expandable to 10 ha.

Number of plots 8400

Estimated market value 252,000,000

If 10 hectares,

Number of plots 28,000

Estimated value P840,000,000 @ 30,000 per plot

Target population 170,000

for co developer (the amount to be shared subject to negotiation

3. St. John Malasiqui

Area 10 hectare

Number of plots 28,000

Estimated value P840,000@ 30,000 plot

Target population 123,000 (same number of population as Urdaneta less populous than San Carlos City

4. Manresa Subdivision at Pantok, Binangonan Rizal;

Area 2.7 hectares

Number of units 450 economic

development puwedeng co sharing;

100 units for build and sell by developer; 10% commission on the housing unit.

Estimated revenue for the lots. 17,550 x P4,000 sm = 70,220,000

Less com 10% 7,022,000

Net sales 63, 198,000

Cost of land 27,000,000 x800 21,600,000

Less dev cost 27,000 x 700 18,900,000

GP 22,698,000

say 10% on the housing 23,000,000

45,698,000

As co developer, we can go on:

They buy the land and develop: 70:30% of the gross

We talked about wealth creation today which is amazing:

Holy Gardens Calamba P1, 120,000,000

St John (at 3 hectares) Marbel 252,000,000

St John Malasiqui 840,000,000

Manresa 736,000,000

Total 2,948,000,000

This is not small time but comprise the total size of assets of company, all discussed in one day. That is the amount of wealth that we could possibly create with some imagination and hard work.

Jorge U. Saguinsin

The Holy Gardens Group - "THE MEMORIAL EXPERTS"

Holy Gardens Plus - about sales of services as addition to the plots bought

Destiny Financial Plans Inc - about duly licensed memorial plan for sales

Griefshare - free obit posting

Holy Gardens Best - best pictures

Landscaping ideas - gorgeous landscaping ideas

RRURAC: Read, Respond, Understand, Reflect, Apply and Check SBUS and their staff are obliged to vist the said site to comment. It is a way of having shared learning

BIDDA: BELIEVE INSPIRE DREAM DO ACHIEVE

Google.com+/HolyGardensGroup

HGPMP Accomplishment of Loader at Garden Estate going to SSN

PAGSASANAY SA TAGUMPAY

May 08, 2017

Minutes of the meeting with Mr. Levi Almavez, business development manager of MB Life

Members present::

Jorge Saguinsin

Madel Saguinsin

Jennifer Callanta

Marjorie Miranda

Agenda:

1. Signing of the MB life proposal for GYRT and PkA

2. Health Insurance

1. GYRT and PA

1. The final approved rates are:

1. GYRT P0.30/1000 per month or 0.36% per annum or P3.60 /1000

2. Personal Accident c/o Malayan Insurance P1.00/1000 per annum

Total rate of GYRT + ADD (PA) = P4.60/1000 (0.46/annum)

3 For five years 2.3% (P23.00/100) (We have a margin of 1.7% since we are charging 4.0%

4 Premium P4.60 x 30 = P138.00 to be paid in advance for a P30,000 account.

Action plan:

1. We will start coverage for all new and existing accounts by May 1, 2017

2. An insurance assistant will be doing insurance work only The AA for MLII will do this initially But we will have to hire one

3. We start training by Thursday May 11, 2017. We will have forms for underwriting

2. Others:

Pregnant women are not insurable

3. Mr. Levi will give a quote on health insurance for our staff, provided he is given a list of employees to be covered with their names and age indicated. We have coverage for employees provided they are one year of more with the company.

We mentioned for the same employees, to encourage loyalty and passion, that we will provide housing at cost in Pantok Binangonan

3. Query on exclusions:

Mr. Levi said that there are individuals who are insureable and not according to the query by Ms. de Luna, that many individuals are left out of insurance coverage. We are able to cover many individuals

Jorge U. Saguinsin

The Holy Gardens Group - "THE MEMORIAL EXPERTS"

Holy Gardens Plus - about sales of services as addition to the plots bought

Destiny Financial Plans Inc - about duly licensed memorial plan for sales

Griefshare - free obit posting

Holy Gardens Best - best pictures

Landscaping ideas - gorgeous landscaping ideas

RRURAC: Read, Respond, Understand, Reflect, Apply and Check SBUS and their staff are obliged to vist the said site to comment. It is a way of having shared learning

BIDDA: BELIEVE INSPIRE DREAM DO ACHIEVE

Google.com+/HolyGardensGroup