More Income and sales opportunities from Destiny Financial Plan White Rose and Cremation Services

To     :   Holy Gardens Memorial Park

                       Pangasinan

                       Calamba

                       BPI  - Destiny MemoriallPlan

Subject:  Draft of Sales Plan for White Rose PMS and Cremation PCS

Suggestions and comments are solicited.  Sound out agents and customers

Most probable implementation:   December 2018

Objectives:    

      1.  Pakitain at pabentahin ang Destiny Financial Plan, Crematorium ng

           Panga at Calamba na three years na in the making

         Destiny      30 per month each at Calamba and  Panga   =        60 units

         Cremation PCS    50 each per month Calamba ang Panga  = 100 units

      2.  To provide more sales opportunities to agents/sellers of Panga and Calamba

     3.   To provide income opportunities to our staff and our sellers

Reality:

     1.  Panay abono sa Destiny Financial Plans Inc.  Ang laki na ng gastos wala

          pang revenue.  Mga P57 million assets, P5 million cash,  mga kulang kulang

          nang P1 m gastos sa audit fees, actuarial, IC fees etc  Plus the big office

          at 3f where we spend  (P45 - 6   = P39,000 per month or  P468,000.  Walang

          pakinabang.  Lugi

    2.  Wala ding balita sa Calamba at Pangasinan sa benta ng mga services

    3.  Ilan na ang ppt na nagsasabi na:

         1.  Lugi tayo ng P2,551 per plot na P36,000 0 interest 60 months to pay.

         2.  Kaya nating kumita ng hanggang P2,500, 00 bawat plan (sa interest at

              sa difference in insurance fees)

Ano ang gagawin

1.  I push ang benta ng Destiny Plans - white rose  P30,000.00 using the 

    Destiny PPA

2.  I push benta ng prepaid cremation plans using addendum:

     (Pre Need)

    A.  Products

    1.  Direct cremation     P20,000 (excluding fuel surcharge*) with free urn

    2.  Cremation before services with chapel viewing  (excluding fuel surcharge)

         Non Aircon  P27,000.00  (3 nights and 4 days only)

         Aircon            35,000.00   (3 nights and 4 days only

    3.  Cremation after services     (Excluding fuel surcharge)

        with metal casket rental  

        Non Aircon    P32,000.00   (3 Nights 4 days)

        Aircon             40,000.00    (3 Nights 4 days)

   4.  Cremation  + Ash Crypts

     *At level ABFG only

        Direct cremation   P20,000 +   P40,000   =                                P60,000

       Cremation with chapel viewing AC   35,000. +  P40,000  =     P75,000

       Cremation with casket rental chapel chapel viewing        =       P80,000

                  P40,000     +  P40,000

      *Fuel Surcharge:

                In view of fluctuating fuel prices, this is being charged.   The price is based
                on average fuel consumption of 60 liters of diesel at P30.00/liter.  At current
                diesel priceof P52.00, the surcharge is  P22.00 x60   =  P1,320.00

Documentation is via addedum

14th and 15th month bonus for achievement of sales target

---------- Forwarded message ---------
From: Jorge Saguinsin <holygardens.groupnew@gmail.com>
Date: Fri, Sep 21, 2018 at 8:50 AM
Subject: 14th and 15th month bonus for achievement of sales target
To: Madel <madz2424@yahoo.com>, Human Resources BPI <bpi.hr2016@gmail.com>, Joane Abiog <bpi.comptroller2018@gmail.com>

TO     :   All SBUs

Thru:   Accounting and HR

 cc:   GM Madel

Date:   September 21, 2018

As per discussion with Mam Madel last night, and as a last ditch effort, the Management is pleased to announce that as part of catalyst for the forthcoming

CSS Q3 conference,  to grant 14th and 15th month bonus provided the sales

targets are achieved:

                      Plots, PIS, PMS Destiny combined

         SBU  targets        14th month      15th month

          No of units

          La Union            250                  350

          Panga                 250                   350

          Malasiqui          2,000               2,600

          Calamba           3,000               3,900

          Calapan            2,000               2,600

          Oton                   250                 350

          HAMP                250                 350

2.  Other terms and conditions apply:

1.  100% present during the period covered;   an absence during a month, is pro rata deduction in the bonus:  say absent in September   1/3 of the bonus will be deducted. (There is a noted tendency for people to beg off during work)

2.  No Class C and D offense

3.  No pending outputs.    (nor inputs say for 201 file requirements)

4.  New hires shall get their bonus on a pro rata basis.  Unlike in the Bible where the latest also gets the same privilege as those who were first..

                      

--

PAGSASANAY SA TAGUMPAY (Training for Success)

YOU MUST ACKNOWLEDGE RESPOND TO THIS EMAIL...

COMMUNICATIONS PERFORMANCE IMPACTS  THE PE    (which is basis for promotions)

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)

   YOUR OFFICES ARE OBLIGED ORDERED TO UPDATE  THEIR POSTS AT

    THE FOLLOWING SITES: (they have been placed here for your easy reference)

   

   Free Obituaries for Friends of Holy Gardens

   Free Obits for Holy Gardens Customers

   Archives for Holy Gardens Tributes

   Birthdate and death date anniversaries of dearly departed

   Holy Gardens Rewards

   Patsikot/SUV Promo

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)

YOU MUST ACKNOWLEDGE RESPOND TO THIS EMAIL...

COMMUNICATIONS PERFORMANCE IMPACTS  THE PE    (which is basis for promotions)

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)

   YOUR OFFICES ARE OBLIGED ORDERED TO UPDATE  THEIR POSTS AT

    THE FOLLOWING SITES: (they have been placed here for your easy reference)

   

   Free Obituaries for Friends of Holy Gardens

   Free Obits for Holy Gardens Customers

   Archives for Holy Gardens Tributes

   Birthdate and death date anniversaries of dearly departed

   Holy Gardens Rewards

   Patsikot/SUV Promo

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

Proposed Sales, Collection, and Documents Processing Awards

Hi Ms Joan

Hi Ms. Madel

Baka may pending awards tayo ng 2nd quarter i process natin?

HR i promote natin (idisseminate natin)

On Tue, Jul 31, 2018 at 2:05 PM, Jorge Saguinsin <holygardens.groupnew@gmail.com> wrote:

To:     All

          3f:   ICR, Junior Accountant, HR

         SBU:   La Union

                     Pangasinan

                     Malasiqui

                     Calamba

                     Calapan

                     Oton

         cc:   GM Madel

       Date:   July 31 2018

Subject:   RE INTRODUCTION OF 2018 INCENTIVES for every Juan

        Objectives:

               1.  To revitalize energy and efforts to work hard and meet targets

               2.   To reward the customers, the sellers and the employees

        Reality:

             1.     It is the end of the month and we have disappointing sales and collection report as of yesterday:

                Sales:       Plots:        36                  P1,256,991     vs         1019

                                 PIS           19                       451,999     vs            594

                Collection:     Old    P8,288  k    vs   P13,353 target or 67%  performance

                                      New        767  k    vs       6,440 target or 12%  actual performance

                                      Total     9,047k      vs     18 793 target

                  It was pointed out that IS have not been included.  This would be checked.

         2.  Some quarters who have just come in Region I and elsewhere who do not yet know our systems are quick to point out

              complaints about motivation.   We have plenty in this power point and it is obvious that they have not seen nor paid 

              serious attention to this,  

        WTDN next

         1.  We had a meeting today with HR, JA, Ms Ab, regarding this topic  They have to review the ppt on the incentive mechanics

               and submit a resolution on the action plans:     what, amount, who will prepare and when to be paid

              This has to be communicated well to the SBU via:

              1.  Refresher course with Panga, Calapan, and Calamba tomorrow

              2.  Skype telecon and email to SBUs. (and submission of PPT reflection from Oton and La Union)

               There are a number of incentives that are in store so that we may achieve sales and collection target

                1.   CTA (Collection Target Achievement Award) for amortization of previous year's sales

                2.   SAA (Sales Achievement Award) for NCR (60%) derived from new sales, IS, and PMS, PIS

                3.    ARRDI   Accurate and Rapid Documents Delivery Incentives

                4.    Spot Cash Incentives:   for the Buyer, Sellers, SBU and 3ffb  to assist SAA

                5.    Remaining balance full payment incentive:  for the Buyers, SBU and 3ffb to assist CTA

                       (We have unfulfilled uncompleted Rewards for payment at the SBU equivalent to P100/ 1 point)   For the  P8,000,000 July collection,

                         we would have paid 80,000 points) Sayang

         2. Ms. AB said that the former SAA had pending memos for approval for the 1st quarter;   none for the second quarter yet.  This has to

              be discussed well with Ms. Madel.  Ms. Joan will push for the approval and payment.  THIS WILL DO WONDERS FOR THE MORALE OF 

              MANY

         3.  Kung di man maabot ang sales and collection target, masaya sana ang marami dahil walang target at walang qualifiers

              1.  Spot discount:

                   5%  -  for the buyers on the spot, to be evidenced by a spot cash discount

                   2%     for the seller, spot also evidenced by OCV

                   2.5%   for the office staff:

                              1.4 %  for the CMO

                              0.4% for the CSS 1/CSS2

                              0.2% for the 3ffb staff

                             PAYABLE IN CHECK BY SEPARATE CV  Monthly not later than 15th of following month (not in the ppt)

      2.  Bonus incentive:   (for cash payment of remaining balance)  KUNG GUSTO NANG BAYARAN NG CUSTOMER ANG ALL OF THE REMAINING BALANCE

                 

                For the customer -   2.5%  discount to be evidenced by SOA ledger and discount voucher (sariling print muna, kung maraming

                                                mag aavail mag papariso at iprenumber)

                      For the SBU          -   2.0% incentive   (ibigigay monthly by CV) on the following month not later than the 15th.

                              1.5% for the CMO

                              0.75 for CSS 1

                              0.75 for  SFC

                      For 3ffb                 -   1.0% incentive:

                       to be divided among all BPI staff

           3.  Qualifiers apply:

           For 3fjm staff:

1.Completed backlogs:     posting, ledgers, CDB CRB

        all updated and current

2.With aging reports;

3.Using new Chart of Accounts, numbered accounts

4.Complete 3f staff,  SBU staff

5.Walang pasaway at well trained;  pasado sa mga exams

6.No Class C and D offense

7.Not a single absence during the award period

8.Complete compliance with daily text report, email reports

9.Balansiado mga book of accounts

              

              For SBU

             

1.No Class C and D offense;

2.Complete staff  (Hire now)

3.No backlogs:  daily reports blog posting,  CMOs report, SBU report, Bests, Tribute, documents delivered promptly;   reflection on CMO and CSS 1 admin plan

4.90% achievement of collection target (past campaigns)

5.100% attendance during the awards period (say quarter)

6.FOR SAA -  completion of marketing plan before end

       of 2017

       ALL IN THE SPIRIT AND MINDSET OF ABUNDANCE, we shall be rewarded with plenty.  Like in the miracle of multiplication of loaves of bread and fish, we 

       working and praying together in the absence of complaints and negativism be able to attain sales and collection target and reap our REWARDS here on earth

       at Holy Gardens

      HR work hard on the SBUs and 3f completing their qualifiers

      LET US READ THE PPT VERY WELL (has not been read before by many hence this miniscule performance?)

---------- Forwarded message ----------
From: BPI ICR Alyzha <bpi.icr2018@gmail.com>
Date: Tue, Jul 31, 2018 at 12:40 PM
Subject: Proposed Sales, Collection, and Documents Processing Awards
To: Jorge Saguinsin <holygardens.groupnew@gmail.com>
Cc: Joanne Abiog <bpi.comptroller2018@gmail.com>, Human Resources BPI <bpi.hr2016@gmail.com>, Bpi Records <bpi.records3ffb@gmail.com>

Good afternoon Sir,

Attached in this email is the PowerPoint Presentation of the Proposed Incentives for the year 2018. 

Thank you.

--

Godbless!

Alyzha Rikk M. Bernardo

          ICR Assistant

"Coming together is a beginning, staying together is progress, and working together is success." 

– Henry Ford

--

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:

   

   Free Obituaries for Friends of Holy Gardens

   Free Obits for Holy Gardens Customers

   Archives for Holy Gardens Tributes

   Birthdate and death date anniversaries of dearly departed

   Holy Gardens Rewards

   Patsikot/SUV Promo

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)

YOU MUST ACKNOWLEDGE RESPOND TO THIS EMAIL...

COMMUNICATIONS PERFORMANCE IMPACTS  THE PE    (which is basis for promotions)

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)

   YOUR OFFICES ARE OBLIGED ORDERED TO UPDATE  THEIR POSTS AT

    THE FOLLOWING SITES: (they have been placed here for your easy reference)

   

   Free Obituaries for Friends of Holy Gardens

   Free Obits for Holy Gardens Customers

   Archives for Holy Gardens Tributes

   Birthdate and death date anniversaries of dearly departed

   Holy Gardens Rewards

   Patsikot/SUV Promo

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

Proposed Incentives for Destiny Planners;

BE a BIDDA: "BELIEVE, INSPIRE, DREAM, DO ACHIEVE"

A servant can only serve one master at a time;   only be pure Holy Gardener or Destiny Planner:

 For sales  Destiny Planners:


Draft Proposal

Objectives:

1.  To recruit more sellers;

2.  To motivate and reach sales targets

3.  To encourage sellers to stay long with the company


Definition of terms:

Total Cash Receipt:   Gross Receipt of customer payment which include the com, discount and Travelling allowance.

Net Cash receipt is  Cash receipt:   less

          com

          vat

          insurance

          transportation allowance.

Many of our additional incentives is based on the NCR

1.  Recruitment and training incentive

              P200.00 for every trainee who pass the exams and the recruiters

              free food (lunch for trainees for 3 days)

             P1,000  + certificate for top notchers in exam, 500 for the Sales Director

2.   Sales:

         1.    Monthly

            Ice breaker award   -    P1,000 for every branch, first sale for the month

            Full dp (20%)     -   P300.00 for plots (or annual payments for memorial plan

            Spot cash    -        2% of NLP provided the discount is less 5% or less, 1% only if sagad or                                          higher ang discount                      

           Small achievers award

           Monthly

                      BASED ON NET CASH RECEIVED (net of com if spot cash, PC, VAT, IF,                                      Transportation Collection allowance

                 NCR P20,000 a month                   P500.00 cash award    (eq to 0.05% of sales

                 NCR  of 50,000   a month              1,250 cash award (eq to 0.05 of sales, 2.5% of NCR

                 NCR of P100,000  a month             2,500 cash award (eq to 0.05 of sales, 2.5% of NCR

           For individuals reaching  sales target   0.5% of total sales or 2.5% of NCR

          NCR of 500,000                                     12,500 cash or travel equivalent/hotel gadgets

          NCR of P1,000,000                                25,000 cash or travel equivalent, hotel gadgets

          NCR of  2,000,000                              P 50,000 cash or travel, gadget equivalent

          NCR of  2,500,000                                 62,500

        Quarterly  and  and semestral awards  (group for incentives) assuming there are five members to a team.  There could be more

                     P2,500,000                                 P62,500

                      5,000,000                                 125,000

                     10,000,000                                250,000

                     12,500,000                                312,500

         Annual awards

                  Trophies, certificates, announcement in social media, mass media

             

      Warrior awards:

                  For sales topnotchers

     Millionaires award

                  Based on NCR (cumulative) for say 2 years)

   Lifetime achievement award:

                 Chairman;s circle  -   millionaire for the past 5 years

                 Presidential circle  -   millionaire for the past 2 years

Health Insurance

                Free health card for those who bring in business monthly for 2 years  NCR of P100,000                     per year

                Term life insurance for those who bring in business of at least NCR of P200,000 per year

Total costs would be about 5 to 7% of sales.    5% would come from ME, and 2% would come from GAI

 Targets and incentives  (based on cumulative NCR for a period)

95%   -    0.75

100%      1.00

110         1.5

120         1.75

130         2.00

Incentive Rate  (monthly based on NCR, pay out is quarterly)

             NSM      -   1%

             RSM      -    1.5

             BSM           2%

(Proposal for them is to have some allowances)

         Targets   per month

  "    NSM      -    2,000,000

       RSM            1,000,000

       BSM               500,000


Simulation:

      Assume 130  % performance:
                                                            Month           Qtr

            NSM  2,400,000 x 1x 2       =    48,000        144,000

            RSM   1,200,000 x 1.5 x 2     =  36,000        108,000

           BM        500,000 x 2  x 2      =     20,000         60,000