Showing posts with label cap ex. Show all posts
Showing posts with label cap ex. Show all posts

April 17, 2019

Cap Ex Investments at HAMP

Ano pa kulang at biblilhin:

        1.  Rolling stocks:

                 1. Karwahe                                -  P180,000.00

                 2.  H100 or FB L300                         700,000

                 3.  Hearse  Lincoln                         1,300,000

                      ST                                           2,180,000

          2.  Equipment

                 2.  Embalming equipment                  15,000.00

                 3. Stretcher                                      15,000.00

                4    Lamps    stand                            70,000.00

               5.  Atrille                                             5,000.00

                6.  Mass card holder                            5,000.00

                7.  Curtains and carpet                       14,000.00

                          Total                                     134,000.00

       3.  Supplies

              1.  Embalming fluid                          10,000.00

              2.  Body bags @P500.00  x 20 pcs   10,000.00

              3. Masks                                         2,000.00

              4.  Gloves                                       1,000.00

                                                                 23,000.000

                                                                                       Grand total:

                                                                                       Vehicles                                 P2,180,000

                                                                                       Equipment                                   134,000

                                                                                      Supplies                                         23,000

                                                                                                                                     2,337,000


     Thus  JT must prepare a marketing plan, a sales plan kung paano mababawi ito?

                                       at 50% GP rate, the amount can be recovered with   P4,600,000 sales /24  =     P191,000 sales/month

       BE lang ito recovery of assets.    A P400,000/month at need would be more likely target

       Ano PTM low end or high end.  Morong area would be more of CDE and market  very few A and B market

                                                                                


On Wed, Apr 17, 2019 at 1:58 PM Jorge Saguinsin <holygardens.groupnew@gmail.com> wrote:
Why is it important to have a mortuary in Morong?  What are the compelling reason:

       1. This makes us a one stop shop:   with plots, with Interment Service, Funeral Service, columbarium and crematorium.  and 
            Holy Gardens Memorial Plan.  No one now comes close:

            St Peter -   chapel and memorial plan only

            Manila Memorial Park -   memorial park only

            Loyola -  nawala memorial plan

            Only Cosmo who is far away comes close to us.... Pero wala silang memorial park...

           We complete the customer needs in one place.

    2.  We grow our sales and collection with bundling.  Dati lote lang na mga P40k or P50k now the total package now
         grows to:

                     Plot            P50,000

                    IS                 30,000

                   FS                50,000

                         P          130,000

        Kung bundled na 5 years to pay, at zero interest only  P130,000/60  = P2, 166.66

   3.  We can freely offer the Holy Gardens Memorial Plan White Rose freely at Morong, Cardona, Binangonan, Teresa, Tanay 
        Angono, Antipolo

   4.  We can compete head on with Sympathy and we have back up alternative in case  our Taytay project is aborted.

    LET US DO THIS WELL AND BE A SUCCESS.  FINALLY

    3.  

On Wed, Apr 17, 2019 at 5:53 AM Jorge Saguinsin <holygardens.groupnew@gmail.com> wrote:
To   Holy Angels Memorial Park

Thru:  Ms. Madel

Subjects:   Notes and musts for the FD at Morong

1. Job Description:   Responsibilities, outputs and Outcomes

    Here is the list of job responsibilities, outputs and outcomes.  It is not his task to set things in order and report anomalies at HAMP which he did at Panga nor enage in paranoidal witch hunt, which could end his career 

2.  CSS 2 -  Funeral Director   (in charge of customer care, sales, marketing)

       Core:

      1.  Answering first call                                                       prompt reply as required by OIC

      2.  Ordering authorizing TS and                                          quick response not more than 1 hour after first call
          attendant trip ticket

      3.  Offering the best package that                                      inquiries, Class A prospect                             Sales
          meet the needs of the customer
          (low or levelling up.upgrading  at
          the high hundreds

     4.  Closing the sale                                                         Funeral Service contract                                Collection/payment


         Ancillary

    5.  Cross selling other products:                                        inquiries
         bundling, plots cremation pre need 

   Routine:

    6  Daily checking amenities of the bereaved:                 Maintain a log of checking                                 delighted customer
      water, flowers, accommodation;  replacement if 
      needed

   7. Posting of obits                                                          obits

   8.  Making tributes for the deceased                                tributes

  9    Reports and filing of contracts, embalming                  orderly and systematic filing
       authorization       


2.  Read and understand the CCD: and emphasize:

     1.  Use of company property for personal use without authorization is a Class D offense

     2.  Quarreling with customers and co workers is a class D offense

3.  If he must report anomalies, use the prescribed format  for IR ;  no IR this is pure hearsay and is wasting our time/his time


                          Parts of IR

   1 What:   (Describe in 30 words or less clearly and specifically what the incident was all about

    2.  When:   Estimated time the incident or even took place:  time and date

    3.  Where:   Specific place where the event took place  (Use print screen of
                 Google map or Waze if possible

    4...Who:    saw it, who first reported it?

                are the personalities  involved, protagonists (if there are adversaries)

                are the conspirators:  persons involved to perpetrate the act

   5.  More description of the incident:   Make a 100 or more words describing the
              whole incident  Include picture, video or audio where possible

   6.   Resulting damage or losses

        1.  Financial

        2.  Human resources

        3.  Company brand or image/customers

        4.  Morale

        5.  Who were affected:    community? environment?  govt

  7.   What are the ad hoc temporary solutions:?

      1.  Was the victim given a first aid;

      2.  Was the incident reported to the police NBI PDEA

8.  What is the proposal to address the issue of the incident so that it will not be repeated

9. Action/Resolution by 3f/Senior officers


-----------------------------------------------------------------------------------------------------------

----------------------------------------------------------------------------------------------------------




     Reported by _________________  Noted/Checked by:
     Received by:

     Attachments:

         1.  Pictures
         2.  Video/Audio
         3.  Affidavits

Please file in triplicate:

1.  Office file  SBU
2.  201 file
3.  3f fILE
4.  Photocopies

Ms.Madel, Joy, please take note and do.  Let us make this thing work


--
PAGSASANAY SA TAGUMPAY (Training for Success)



























  Jorge U. Saguinsin

YOUR OFFICES ARE TO REFER TO THESE ON QUESTION ABOUT PRODUCTS information and pricing.  Please RRURAC

Holy Gardens One Stop Shop (Master Brochure)








1.  LET US WORK TOGETHER TO CREATE BEAUTIFUL LIFE STORIES (not worries)

2.  BIDDA:     BELIEVE, INSPIRE, DREAM, DO AND ACT

3.  Read and answer all email and texts.  Be responsible

 4   RRURAC   (Read, Reflect, Understand, Realize Act, Check)  # 3

5.  Makipag TIPAN -  IGALANG ang mga nasusulat:  CCD handbook at MC

     Pag uusapan sa am talk

 YOUR OFFICES ARE OBLIGED ORDERED TO UPDATE  THEIR POSTS AT THE FOLLOWING SITES: (they have been placed here for your easy reference)

   




   Weekly posting  at HolyGardens Communications and Best Pictures













Notice:   This email address is a private property of Holy Gardens Group and its contents are private and confidential.    Its contents and attachment  may not be copied nor forwarded to parties other than the ones intended to,  nor can the contents be used other than the original intent  You are advised to delete the message you received if in case it may have been wrongly sent to your good office


--
PAGSASANAY SA TAGUMPAY (Training for Success)



























  Jorge U. Saguinsin

YOUR OFFICES ARE TO REFER TO THESE ON QUESTION ABOUT PRODUCTS information and pricing.  Please RRURAC

Holy Gardens One Stop Shop (Master Brochure)








1.  LET US WORK TOGETHER TO CREATE BEAUTIFUL LIFE STORIES (not worries)

2.  BIDDA:     BELIEVE, INSPIRE, DREAM, DO AND ACT

3.  Read and answer all email and texts.  Be responsible

 4   RRURAC   (Read, Reflect, Understand, Realize Act, Check)  # 3

5.  Makipag TIPAN -  IGALANG ang mga nasusulat:  CCD handbook at MC

     Pag uusapan sa am talk

 YOUR OFFICES ARE OBLIGED ORDERED TO UPDATE  THEIR POSTS AT THE FOLLOWING SITES: (they have been placed here for your easy reference)

   




   Weekly posting  at HolyGardens Communications and Best Pictures













Notice:   This email address is a private property of Holy Gardens Group and its contents are private and confidential.    Its contents and attachment  may not be copied nor forwarded to parties other than the ones intended to,  nor can the contents be used other than the original intent  You are advised to delete the message you received if in case it may have been wrongly sent to your good office


--
PAGSASANAY SA TAGUMPAY (Training for Success)



























  Jorge U. Saguinsin

YOUR OFFICES ARE TO REFER TO THESE ON QUESTION ABOUT PRODUCTS information and pricing.  Please RRURAC

Holy Gardens One Stop Shop (Master Brochure)








1.  LET US WORK TOGETHER TO CREATE BEAUTIFUL LIFE STORIES (not worries)

2.  BIDDA:     BELIEVE, INSPIRE, DREAM, DO AND ACT

3.  Read and answer all email and texts.  Be responsible

 4   RRURAC   (Read, Reflect, Understand, Realize Act, Check)  # 3

5.  Makipag TIPAN -  IGALANG ang mga nasusulat:  CCD handbook at MC

     Pag uusapan sa am talk

 YOUR OFFICES ARE OBLIGED ORDERED TO UPDATE  THEIR POSTS AT THE FOLLOWING SITES: (they have been placed here for your easy reference)

   




   Weekly posting  at HolyGardens Communications and Best Pictures













Notice:   This email address is a private property of Holy Gardens Group and its contents are private and confidential.    Its contents and attachment  may not be copied nor forwarded to parties other than the ones intended to,  nor can the contents be used other than the original intent  You are advised to delete the message you received if in case it may have been wrongly sent to your good office
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December 29, 2018

Further comments suggestions on the Marketing Plan for 2019

1.  What is the marketing plan all about?   

Ito ay kuwento kung ano ang babaguhin mo sa pagbebenta at operations mo.  KUNG PAANO MO MAABOT ANG TARGETS MO SA 2019 NA SMART.  

                    Specific
                    Measurable 
                    Achievable
                    Realistic

                    Kaya nga ito ay masusi, madetalye at mapanghahawakan natin na tutuparin
                    Ito ang tunay na essensiya ng leadership at management


1.  Objectives:


Here were the agreed targets:

Collection Target
                      Annual                              Monthly                           Annual             Monthly /10
                       Number   PhP                   Number        Php
La Union       500         25,000,000            50       P2,500,000     P30,000,000        P3,000,000

Pangasinan   800         40,000,000             80          4,000,000       55,000,000          5,500,000

Malasiqui      1,000       30,000,000            100        3,000,000      20,000,000          2,000,000

Calamba       2,000       84,000,000            200         8,400,000      60,000,000          6,000,000

Calapan        1,000       35,000,000            100         3,500,000      15,000,000          1,500,000

Oton               600        24,000,000               60         2,400,000      35,000,000          3,500,000

TOTAL         6,900      238,000,000                                                215,000,000        21,500,000

Yong huling column yon ang monthly targets.

 Ano isusulat mo sa farming out (distribution)

              1.  Ilan office sales                   2  Ilan Independent sellers sales

Products 
Type           Plots

                   Interment Services

                       At Need

                      Pre Need

                 Body Crypts

                     Solo

                      FSBC

                   Ash Crypts

                     At Need

                      Pre Need

                  Sa may chapel at crematorium

                     Funeral Services

                        At need

                        Pre Need

                 Crematorium

                       At need
                             Direct Cremation
                             With Services

                       Pre need
                            Direct Cremation
                            With Services

                 Bundled Services
                          Plots
                         At Need

                         Plot + IS  (Compulsory bundling)
                         Plot  + IS +  FS

                         Ash Crypts

                         At Need

                          Ash Crypts +  Direct Cremation
                          Ash Crypts + Cremation +  Chapel Service ( before)
                          Ash Crypts +  Cremation +  Chapel Service (after)

                         Pre Need

                         Ash Crypts +  Direct Cremation
                          Ash Crypts + Cremation +  Chapel Service ( before)
                          Ash Crypts +  Cremation +  Chapel Service (after)

                     IDETALYE DIN ANG FARMING OUT TO VARIOUS  SALES DIRECTORS    

     2.  STRATEGY:    Ano ang pipiliing gamit (resources) at mga aktibidades para 
                                   maabot ang sales at collection target/objectives; ano gagawin
                                  mo para malutas problema mo noong 2018 na balakid sa sales

           Ilista (hindi lalagpas sa lima)  Be sure you are focused. 
          Ano ano ang importanteng gagawin/priority para makabenta ka. 

           Mamili ng importanteng resources at activities (hindi lahat kailangang
           gawin
           
           Summary portion

          1.  Marketing

               1.  Product  -  (Availability) Ano ano gagawin mo sa landscaping,                                                 cleanliness para maging desireable, saleable ang                                                        memorial   park/service?

                                     1.  Park Maintenance

                                    2.   Cap ex (development, landscaping)

                                    Sa ibang mga products ano pa ang kailangan mo

                                    3.  Services -  anong gamit at mga procedure na gagawin 
                                        mo para maging special ang interment   (Importante 
                                        dito innovation, to be better than before)

                       2.   Promotion:

                           1.   Events
                                                        When      Promo items       Budget   Who will do
                               1.  Valentines
                               2.  Graduation
                               3.  Mothers Day
                               4.  Fathers day
                               5.  All Saints Day
                               6. Christmas Festival of Lights/Decor
                               7.  Feeding programs

                               Our target expenses for the events is not more than 2% of NCR
                               estimate for the year

                         2.  Promo items  (not more than 1% of NCR)

                              1. Umbrellas  small and golf
                              2.  T shirts
                              3.  Mugs
                              4.  Keepsakes
                              5.  Bibles

                        3.  Brochures and leaflets 

                              1. Designs
                              2.  Number

                        4.   Tarps

                             Number    Occasion         Cost            Design

                       5.  Media (Soc Media)

                            1.  Ano ano campaign?
                            2.    Sino magpopost
                            3.  Lay out

           3.   Price  -  we have taken care of this.   Ano ang magiging focus mo para 
                               maka attract ng buyers/agents

                              Madaling ibenta?

                              Outright commission? 

                              No downpayment?

        4.  Placement:    Ano ang gagawin mo para dumami at maging loyal ang mga 
             sellers:

             1.  Recruitment  -   regular recruitment weekly;  sino2 sino -  mga malaki, 
                                            unang buyers gawin mong disciples;

                                            focus:    sa group buyers, or individual buyers

                                                         large lots or single lots

                                                         services or lots?  

                                          mga SD focus on multiplying themselves rather than
                                          peresonal selling

                 Ano ano attraction sa mga sellers?

                1.  Maraming inventaryo, productong ibebenta

                2.  Malaking commission  

                     Say P50,000 plots:

                           P50,000 x 47%    =     23,500 x 10%      =  2,350.00 

                                                                                           = P195.83

                  So that kung maka 10 na lote ang seller  2,350 x 10 =   23,500,00 month

                                                                                              x12  =  282,500/year

                  Lutasin ang problema sa outright commission

                 Services:

                 Say funeral service:  

                 P50,000 x .73  x 10%   =                                                   3, 650.00

             3.  Special awards:

                1% of TSP to Sellers (SE) monthly pag naka 10 benta;

                2% of TSP to SD quarterly pag naka 100 na benta.

                Recognition to top Sellers, Top NCR, Top individual sellers

                Proposed ORC for CMO

           4.  Monthly sales meeting?

                Sharing of successes

                Seminar on new sales techniques

      A.  Calendar Gantt Chart:  (naka matrix)  (naka panorama

            Months                 January     February         March

           Product

              Cap ex
              Activities

          Promotion

            Events
                Budget

             Promo item
                Budget

             Tarps/brochures
                 Budget

             Social Media

        Price

             Price Promo

             Budget

             Discounts

      Placement

            Recruitment
            Sales Meeting
            Awards

B.  Cash Flow
      Incorporate all the contents of the marketing plan, cap ex, marketing 
      expense budget, enumerated... sa marketing plan

      Take note:

           1.  Ilagay sales target sa itaas, by product line, # amount

                   BEGINNING BALANCE
                   Cash flow from operating activities
                .   Iindicate   NCR (Total cash received  less com)  New
                  (take note of usufruct payments)
                         Collection from last year sales
                         Collection from arrears

                 Less:  funds payable to MLII/TFC

                 Less:  operating expenses (cash only)

                 Surplus deficit from operating activities

              2.  From financing activities

                  Add:    Loan proceeds  (if borrowing is required)
                  Subtract:   loan repayment

                Surplus deficit from financing activities

          3.   From investing activities

                 Add:   Investing (pati lending investor double your money)

                 Less:    investments/cap ex
                      
               Surplus from investing activities

            Total surplus/ deficit

            ENDING BALANCE

C.    Profit and loss  (Ms. Ja must aid the SBUs in doing this)
        We have defined the Cogs for all LUMP, Panga, Calamba, Calapan, and Oton at P3,500 /sm.  The new cogs, ask from GCH  are for Malasiqui and  Calamba bangin.

           100,000,000  for Calamba  /66,000   =  P1,515.00

                24,000,000  +  2,700,000 +  27,000,000 =   53,700,000/ 28,200. sm  = P1,904.25

The financial plans and marketing plans must match:  

E.G.

1.  Say in  Pangasinan, crematorium will be completed in February:

     1.  It should be reflected as an event in marketing; the budgetted expense must be shown;

     2.  The promo expense must be shown:  tarps social media;

    3.  The revenues for the cremation must show in the PNL

           

      Sales/Revenue:

      Less:   Com/ ME

      Less Sharing (not applicable for Malasiqui until such time that a jv is
                   executed between MGM and San Carlos Pangasinan Lands)

      Less:  COGS

               Net Revenues:

                Less Op Ex
                        1.  Salaries
                        2.  Wages/benefits
                        3.  Rent
                        4.  Utilities
                        5.  Repairs and Maintenance
                        6.  Depreciation
                        7.  Other expenses

Earnings before Interest


Less Interest Expense

Add Interest Income

Earnings before tax




              

                
          
                          
                     

                      







--
PAGSASANAY SA TAGUMPAY (Training for Success)



























  Jorge U. Saguinsin

YOUR OFFICES ARE TO REFER TO THESE ON QUESTION ABOUT PRODUCTS information and pricing.  Please RRURAC

Holy Gardens One Stop Shop (Master Brochure)








1.  LET US WORK TOGETHER TO CREATE BEAUTIFUL LIFE STORIES (not worries)

2.  BIDDA:     BELIEVE, INSPIRE, DREAM, DO AND ACT

3.  Read and answer all email and texts.  Be responsible

 4   RRURAC   (Read, Reflect, Understand, Realize Act, Check)  # 3

5.  Makipag TIPAN -  IGALANG ang mga nasusulat:  CCD handbook at MC

     Pag uusapan sa am talk

 YOUR OFFICES ARE OBLIGED ORDERED TO UPDATE  THEIR POSTS AT THE FOLLOWING SITES: (they have been placed here for your easy reference)

   




   Weekly posting  at HolyGardens Communications and Best Pictures













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December 02, 2017

Re: Planned cap ex of vehicle; reassignment

      FEATURES OF NAVARRA, 4X2 AT SPORTS EDITION

Image result for Navara sports edition

     Interior

  • Seat Type, Zero- Gravity Seats (Fabric)
  • Front Driver Seat, With Manual Slide, Recline and Lift Adjust; With Adjustable Headrest
  • Front Passenger Seat, With Manual Slide & Reclining, With Adjustable Headrest
  • Rear Seat, Bench Seat with Cushion Flip Up Function with Adjustable Headrests
  • Silver Finisher, Center Instrument Panel
  • Chrome Inside Door Handle
  • Rear View Mirror, Manual Anti-Dazzling
  • Meter Monochrome Display
  • Monochrome Display Drive Computer Display in Meter
  • Digital Clock
  • Sun Visor Vanity Mirror, Illumination and Card Holder Driver Side
  • Sun Visor Vanity Mirror, Illumination Driver Side
  • Front and Rear Door Pocket
  • Center Console with Drink Holder, 12V Power Outlet, Rear Ventilation and Soft-Touch Armrest
  • Center Upper Tray with 12V Power Outlet
  • Overhead Console with Map Lamp, Sunglass Holder
  • Front (4 pcs) and Rear (2 pcs) Cup Holder
  • Front (4 pcs) and Rear (2 pcs) Bottle Holder
Exterior:

  • Multi-reflector Halogen
  • Outside Door Mirror Chrome with Integrated Side Turn Lamps , Power Adjust and Power Folding
  • Chrome Outside Door Handles
  • Chrome Door Waist Moulding
  • Wiper, 2-Speed with Variable Intermittent and Mist Function
  • Green Tinted Glass
  • Rear Window Defroster with Timer
  • Rear Spoiler
  • Roof Rail Polish Silver
  • Mudguards
  • Sport Edition 18" Alloy Wheel
  • Unique Radiator Grille Design with Dark Chrome
  • Front Foglamps with Dark Chrome Finisher
  • Front Skirt
  • Fog Lamp Finisher with Dark Chrome
  • Side Step with Dark Chrome
  • Bed Liner
  • Sport Roll Bar with LED High Stop Lamp   standard na
  • Rear Bumper with Dark Chrome
  • Leather Steering Wheel
  • Leather Shift Lever and Knob
Navarra is much much better compared to 4 years ago.  Di mukhang pandak.  Mabulto na at top of the line features

On Sat, Dec 2, 2017 at 5:10 PM, Jorge Saguinsin <holygardens.groupnew@gmail.com> wrote:
Why Navarra:

1.   Price      Equivalent Price of 4x2 AT  7 speed:    P1,171,000

                   Isuzu                                                      P1,360,000

                   Hi Lux                                                     1,355,000

2.   Power     same   163 hp  but 403 Nm

3.   Features:

      1.  Zero gravity seat

      2.  Wider legroom at the back

      3.  Coil spring at the back for added comfort

      N. B.   You may elect to go for 4x4 with other sophisticated features:   like side mirror with  signal lamp.. or sports

                          Sports 4x2   AT                       1,300,000          260,000                     26,442.00  (same as Urvan)


On Sat, Dec 2, 2017 at 3:16 PM, Jorge Saguinsin <holygardens.groupnew@gmail.com> wrote:



We talked and agreed on the following:

 Image result for nissan urvan 350
Image result for nissan urvan 350

1. Calamba:
                                                  TPP                      DP             MA
 Purchase one NV 350        P1,252,000               129,000          25,466 (in house)
                                                                                                 60 mos
Why Nissan?    Hi Ace is P1,360,000 for commuter, P1,500,,000 for other higher
 Category variant

2. Calapan       

    Gets their Crosswind:

                                           450,000                90,000             11,500
                    36 months to pay, 5% per annum

Image result for Crosswind 2014

3.  SCCP  
   Purchase of one NV 350   1,252,000             129,000             25,466   

Image result for Crosswind 2014

   SCCP transfers/sells the Crosswind to Malasiqui

                                            450,000             90,000              11,500

   SCCP sells Patrol for which it spend zillions for P100,000 cash for
   towing services

4.  La Union

    Gets the DMax of  HAMP

                                         750,000               150,000            19,166
                  36 months to pay at 5% per annum


 Image result for Dmax Ls 2014
                                                     With bullbar and bed cover

                  La Union sends Patrol to Calamba for interment service:   price -  P90,000

5.  HAMP purchases a BN Navarra: 4x2  Sports 

                                      1,300,000               255,000            26,442

                         Magdadag ng                       105,000             7,442

Image result for Navara sports edition

6.  Malasiqui  purchases Crosswind from SCCP

                                       450,000                 90,000             11,500



   
                      Image result for Crosswind 2014          

                                                                       

 

--
PAGSASANAY SA TAGUMPAY (Training for Success)




















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)

   Please visit the following sites:

   









Notice:   This email address is a private property of Holy Gardens Group and its contents are private and confidential.    Its contents and attachment  may not be copied nor forwarded to parties other than the ones intended to,  nor can the contents be used other than the original intent  You are advised to delete the message you received if in case it may have been wrongly sent to your good office



--
PAGSASANAY SA TAGUMPAY (Training for Success)




















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)

   Please visit the following sites:

   









Notice:   This email address is a private property of Holy Gardens Group and its contents are private and confidential.    Its contents and attachment  may not be copied nor forwarded to parties other than the ones intended to,  nor can the contents be used other than the original intent  You are advised to delete the message you received if in case it may have been wrongly sent to your good office



--
PAGSASANAY SA TAGUMPAY (Training for Success)




















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)

   Please visit the following sites:

   









Notice:   This email address is a private property of Holy Gardens Group and its contents are private and confidential.    Its contents and attachment  may not be copied nor forwarded to parties other than the ones intended to,  nor can the contents be used other than the original intent  You are advised to delete the message you received if in case it may have been wrongly sent to your good office
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