PAGSASANAY SA TAGUMPAY
September 30, 2017
September 30, 2017
Updated PDF file on estate planning
Our RCRMA did a great job of editing and publishing a new Estate Planning which should be a great guide in preparing the wealth to be transferred to the heirs in the sudden eventuality, while at the same time, saving on the payment of estate tax.
The Estate (inheritance tax) prior to 1998 used to be 60%. It is now down to 20% (actually 27%)
The strategies, the form to be used are in pdf form, and sure saves a lot of paper and trees in this format;
3fjm PE September 30 2017 at Twin Hills, Angono, Rizal
PAGSASANAY SA TAGUMPAY
September 30, 2017
RED ALERT DAY FOR SALES
September 30, 2017
RED ALERT DAY FOR SALES
Twin Hills Subdivision at DOMSA, San Isidro, Angono
Rizal
Ms. Marjorie, Ms. Maricar, Ms. Jessica, Ms. Wendy, Ms. Bia (NEW ICR) and Ms. Cherish
(BPI and Majorem staff)
3fjm Staff pose on top of a rock (nag rock climbing)
Ms. Maricar, Ms. Wendy, Ms. Sofia, Ms. Cherish, Ms. Bia, Ms. Marj and Ms. Jessica
Holy Gardens Calapan Weekly P.E. Activity at OMNHS Oval
Ready Get Set GO!!!
Go Irene, Mildred and Rene
Rain or Shine Jogging Pa rin
September 28, 2017
Estate Planning Guide (New and edited)
Rizal Philippines
September 28, 2017
Dear Customer
THANK YOU AND CONGRATULATIONS
_______________ ___________ ________________
_______________ ___________ ________________
7. Debts and Liabilities
Thank you for purchasing a Holy Gardens Group Memorial Product (Plots, Plan, Interment Service) . You just have completed an important strategy in the preservation of your assets (estate) for the next generation. By buying the products and services needed for your memorialization, you have assured that the assets you leave for you heirs will not be diminished. You have also diminished their head aches and difficulties that accompany the loss of a loved one
You studied, had a family, worked hard to provide for your family. You accumulated assets so that later on you will leave your children and heirs with an estate (wealth) with financial asset so that they will not experience any difficulty and have a good life when you depart for good.
NO NEED TO LEAVE A LEGACY OF PROBLEMS AND HEADACHES
But what if there are accidents or the unexpected happen? Instead of leaving our families with financial security and peace of mind, we leave them with heart aches(with our demise) and head aches (with the debts, and legal and tax arrangement to put our assets in order
What happens upon death? Even our little money in the bank cant be withdrawn. they can be upon payment of estate tax. If our family does not have cash, they will not even have cash to pay for the food during the wake, nor pay for the funeral service, interment service, and the plots
MOST, MAJORITY OF FAMILIES DO NOT KNOW, or are ill prepared to handle this event.
ESTATE PLANNING
Thus we are furnishing you tips and other advise on estate planning.
What is your estate?
Your estate is the sum total of your valuable earthly possession: cash, receivables, investment (shares of stocks, club shares, business, real properties (house lots,) and personal properties (jewelry, shoes, bags, clothes) which can passed on to heirs
What is estate planning?
To be very blunt about it, estate planning is preparing for our death. It means making sure our assets are organized, and the arrangements are clear and in place upon our death; that the estate is preserved (rather than consumed by taxes and penalties) and escheat (the govt taking ownership of your estate)
STEPS AND STRATEGIES IN ESTATE PLANNING
Prior to any strategy or plan of preserving your estate, you have to organize your records and documents:
1. Your personal records:
Name______________________ Address ___________________
Birth date__________________ Birthplace ________________
TIN #______________________SSS/GSIS number ____________
Philhealth No ______________ HDMF #____________________
2. List of professionals who handle your estate:
Name Address Phone Number
Lawyer _________________ __________________ ______________
Accountant_____________ __________________ ______________
Insurance Agent _________ __________________ _____________
3. Bank Accounts
Bank/Branch Account type Account Number
___________________ _________________ __________________
___________________ _________________ ___________________
___________________ _________________ ___________________
4. Insurance
Company Type Amount Policy Number
_________________ __________ _____________ ____________
_________________ _________ _____________ ____________
_________________ _________ ______________ ____________
_________________ _________ ______________ ____________
5. Real Property
TCT Number Location Area Est. Market Value
____________ _________ _________ _______________
____________ _________ __________ ________________
____________ _________ _________ _______________
____________ _________ __________ ________________
____________ _________ __________ ________________
6. Shares of Stocks
Company Number Market Value (from PSE) as of
_______________ ___________ ________________
_______________ ___________ ________________
6. Motor Vehilces
Type Model Year CR Number Lto Branch Estd.Worth
_______ _____________ __________ ___________ ________
_______ _____________ __________ ___________ ________
_______ ____________ ___________ ___________ ________
7. Debts and Liabilities
Bank Lender Amount Date Incurred Status(Current/Arrears
______________ __________ ____________ ___________________
______________ __________ ____________ ___________________
______________ __________ ____________ ___________________
8. SALN (Statement Assets and Liabilities) As of ______________
Cash Other Near Cash Php _____________________
Receivables Php _____________________
Real Property Est Php _____________________
Shares of Stocks Est Php _____________________
Motor Vehicles Est Php ______________________
Other Personal Properties Est Php ______________________
TOTAL ASSETS Php _________________________
LIABILITIES AND NETWORTH
Liabilities
Bank Loans Php _______________________
Trade and other indebtedness Php _______________________
Networth
(Total Assets- Liabilities) Php _________________________
TOTAL Php _________________________
_______________________________________________________________
A. Objectives:
The objective of your estate planning strategies are:
1. To give ease and convenience to your loved ones to use the assets you earned and saved for them upon your demise.
2. To save on the payment of estate tax which could be 20% of the total market value (zonal valuation of your property); and the transfer tax: 0,75% of 1%, doc sci- 1.5% of zonal valuation
Some strategies: (from Estate Planning 101)
1. Donation
You can donate in bulk or over a period of time to your heirs.It is zero rated for cash if the amount is P100,000 or less.Donors tax is 12% which is 8% lower than 20%
You can do a simulated sale to your children or other heirs to save further and you only pay 6% CGT + 1.5% doc sci stamps based on zonal valuation + 0,.75% of 1% of Land Transfer Tax or about 8.25% or 3.75% cheaper than donors tax.
However, if your heirs die ahead of you,you will still pay the estate tax.
2. Executing a last will and testament
The principal specifies the assets to specific heirs,thus lessening the squabbles and quarrels among heirs (as in the case of self adjudication). A probate court or an administrator is appointed to preserve the assets (as in the case of rental properties, where rents are collected and deposited in an account, repairs are made employees are paid their wages). However there is no savings in payment of estate tax.
3. Transferring the real properties in the name of corporation
The principal and the heirs to be establishes a real estate company where assets are exchanged for shares of stock A BIR approval is needed for tax free transaction (which takes time) However. this strategy costs only 8.25% of zonal valuation,11.75% less than estate tax, and 3.25% less than a donation. Xosts the same as a simulated sale
4. Executing a living trust
This is a little bit complicated and requires the services of an established law firm,(or non bank trust) or bank trust. A fee is charged by either a lawyer or the bank's trust department (between 3 to 5%)
Here a living trust document is executed by the Trustor (the principal) through a Trustee (the law firm or the bank) in favor the beneficiary (the heir).
A portion of the estate is sliced off, and sold to the trust which executes the will.
The principal who is still alive wills the said property to the beneficiary (the name of the asset may be transferred in favor of the beneficiary (to save on taxes) or not (this latter tactic is safe for the Trustor) While the property or asset has been willed unto the heir, the actual control and enjoyment of the fruits of the assets (as dividends and rental) remain with the Trustor
Strict observance of checklist, especially video uploads to You Tube and Daily Motion
TO: CMOs, CSS2
Observance of video tributes and upload to You Tube and Daily Motion (or Google drive)
In the middle of the decade after the change of millennium, we we were
--
SETTING THE STANDARDS IN INTERMENT SERVICE
Innovation creates more wealth and more customers
Objectives:
1. To bring back excellent customer service to deceased and renew
our excellence in interment service
2. To really set the standards in interment service
3. To assist sellers sell more
4. To promote word of mouth advertisements
Our interments had all the trimmings: epitaph, balloons, ceremonies, music, convoys, tributes, funeral pack,smoke machine, bubble machine.
We were great!. We did well. Lest every one forget that.
That was something to be proud of
The most important was upload of the video to the third party site: You Tube and Daily Motion. That was then when 3f had strict monitoring and able leaders.
The video production is an important part of training because it is an important skill to execute this unique service feature.
All the SBUs eagerly and enthusiastically complied: La Union, Pangasinan, Calamba, Oton, and Calapan: NO EXCEPTIONS. 3F STAFF PRACTICED THE GOLDEN RULE (He who has the gold rules. He who releases the funds): no if replenishment, if such was not done on the following day after interments (I understand the IF, the standards for processing had changed to may sadness)
Reality: Not happening now.
May compensation na ito under our new rules:
P100.00 per video and upload for vid of 20 to 39 pages.
P200.00 per video and upload for vid of 40 and up
Please check your emails and our Blog site. MC na ito
WHAT TO DO NEXT:
1. Understand ppt on reaffirming customer service
2. Strictly follow the checklist including the uploads. of vid.
3. The SAA and the AP must exercise leadership and show fangs and teeth to enforce such practice.
4. Magpacontest tayo - pagandahan ng video say
P5,000 first prize
P2,500 second prize
until March of 2018
HR too. Include in the Performance Evaluation that are customer service centric.
Top management: Mam Madel Mam Elvie must consider this. We support our customer serviced and business in a positive way. HAMP must adopt this if we are to see another decade of existence
Jorge U. Saguinsin
Be a BIDDA now
RRURAC (Read, Reflect, Understand, Realize Act, Check)
Please visit the following sites:
Notice: This email address is a private property of Holy Gardens Group and its contents are private and confidential and may not be copied or forwarded to parties other than the intended parties. nor can the contents be used other than the original intent You are advised to delete the message your received if in case it may have been wrongly sent to your good office
September 27, 2017
Holy Gardens Oton Memorial Park Kaizen Report, Week 38, September 23, 2017
PAGSASANAY SA TAGUMPAY
Aphabetically arranged ledgers of customers in HATAW PROMO
Properly labeled filing rack
2. Pics of site (the park) beautification/construction
The park entrance gate
Main road
Terra Cotta besides Garden Estate Area
Trellis
Waterfalls at the corner of Lawn2
Wishing Well
Lawn2 A
Lawn2 B
On going Garden Estate construction of Ferolyn Labis
3. Pics of warehouse inside and outside, SHOW INVENTORIES AND LOCKS
inside with inventories of cement and deformed steel bars
outside
lock
4. Pics of inventory of equipment (especially of those non-operating) and materials
Ambulance
5. Pics of operational equipment
Lawn Mower ; Brushcutter
Water Pump ; Generator
Nissan Frontier
Karuwahe
Tri-bike
September 25, 2017
How to make effective power point presentations?
PAGSASANAY SA TAGUMPAY
You will require skills in power point presentations or making one. Be sure you know how to prepare, and how to make one that counts, that is interesting, that will catch the attention of your buyers/prospects and make them buy.
A good ppt is the basis for the movie maker, or at least the convenient way to start.
Here is a post by Michael Ligayo, a fmr MBA student:
You will require skills in power point presentations or making one. Be sure you know how to prepare, and how to make one that counts, that is interesting, that will catch the attention of your buyers/prospects and make them buy.
A good ppt is the basis for the movie maker, or at least the convenient way to start.
Here is a post by Michael Ligayo, a fmr MBA student:
Holy Gardens Oton P.E. Activity, September 23, 2017
PAGSASANAY SA TAGUMPAY
HGOMP Staff, here we are in ZUMBA Dance Fitness
HGOMP Staff, here we are in ZUMBA Dance Fitness
Samson, Joemel, Sherryl Jenn, Alfredo, Garry
April Lyn, Joemel, Samson, Alfredo, Garry
Sherryl Jenn, Joemel, Alfredo, Garry, Samson
Samson, Joemel, Alfredo, Garry
September 24, 2017
Levelling up skills and protocols
Hi:
--
May I suggest several things:
1. Consult refer to blogs and other persons on say computation for price list. Look at the maps and previous publication. Learn to use available data.
2. Learn to be accurate and stay to the facts and what is given.
3. Be responsive:
1. To make periodic reports on what was planned and for which budgets were asked. No need to be followed up.
2. Stay focused on the results and outcome, say sales achievement.
Stay on track and on the same page.
3. Spend more time talking motivating sellers
4. Take notes and form the habit of making minutes and copying this office of the trips we made (say in La Union) Have the habit of soliciting the same from the SBUs and CMOS, CSS.
4. Be disciplined and strict:
1. Demanding action from SBUs
2. Submission of reports (kaya dapat tuturuan mga taong mabuti, at kumpletohin staff)
3. Conformance to procedures. Hindi puwede ang hindi.
5. Changing our mindset to the nature of business: ie 24/7 ito and we have to work even beyond our comfort zones.
SETTING THE STANDARDS IN INTERMENT SERVICE
Innovation creates more wealth and more customers
Jorge U. Saguinsin
Be a BIDDA now
RRURAC (Read, Reflect, Understand, Realize Act, Check)
UGALIING MAGBASA NG BLOG POST - marami kasagutan sa katanungan ay andito
PAGSASANAY SA TAGUMPAY
Anyone who stops learning is old, whether at twenty or eighty. Anyone who keeps learning stays young. - Henry Ford
Anyone who stops learning is old, whether at twenty or eighty. Anyone who keeps learning stays young. - Henry Ford
UGALIING MAGBASA NG BLOG POST SA TUWINA
Those who read lead
Knowledge is power
Pero pahirapan yata?? sa trainees at sa mga gayot?
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