Are you interested in earning more? Even earning a million can put you in poor house

PAGSASANAY SA TAGUMPAY

You must aspire to earn more.... The new incentive system, ORC puts you in a different category.   If you play by the rules, you can be rich and even be a millionaire.  How to be a millionaire:  earn P83,333.33 a moth

How to be a millionaire  from Majorem Lending

How to be a millionaire - it is easier than you think?

Ad Majorem.....Wealth Builders

How to become a millionaire

    How many have climbed Mt Everest   only 4,000 out of  7 billion people

    How many millionaires in USA  500,000 / 300 million.  Much much more.






                Things to consider:

                1.   Logic                                                      Emotion

                     Math                                          1 Belief  vs Lie (I want to be a millionaire - is a lie now)
                                                                             It is a future truth

                                                                       2.    Perspective  (see the  big picture)  make big small
                                                                             (it is not a big deal)

                                                                        3.  Question everything

                                                                        4.   Focus on what you do to fix yourself to reach
                                                                            that number  (new truth)

                                                                        5.  New truth:
                                                                            Discipline

                                                                           1. Out work
                                                                           2.  Out think
                                                                           3.  Out last
                                                                           4.  Out strategize



                     How many do you sell to make P83,333.00 a month

                     How many downline do you need to get your ORC for you





What you need to develop permanently to be a millionaire.  You need to develop skills to that money that goes around the economy stays with you to pile up the money to invest

1.    Persuasion  (to be a millionaire, to recruit people, to attract investors). You got to psyche yourself
       Learning how to sell, learning how to negotiate

2    Reading people (how to psyche people)  who are scammers, read employees,   Only paranoid survive
      How to treat people well To be considerate;   Reading signs of buying, investing..

3.   Sharing the wealth (tithing) or having stocks being public;  creating wealth for others;  creating jobs
      When you go into business, more people make money.  Midas touch

4.   Millionaires master leverage...  (In order to level up, you have to leverage, scale up in a big way)
      Crowd sourcing, crowd funding; team, recruting, social media, collaborating.  What must I do to make
      things work

5.  Recruit:   board, sales people, new staff, executives. mentors,  investors

6.  Energy Management having sleep, physical fitness.

7.  . Problem Solving(what’s worth putting time into or not into)

8. Time Management(instead of spending time on social media spend time selling)

9. Money management 

10.Be aggressively patient( put in work and it will come)

11. Learning( constantly working on improving your craft. Have beginner mindset.)

Manageable Execution at Majorem Lending

The following were noted at Majorem Lending (We need to do this to maintain our current Business Model that is strategic - self sustaining:

     Holy Gardens Funds:  ME MC, IF, TFC CAPF are kept at MLII

      MLII invests these funds lends them so that there is ROI on MC,

             TFC and Capf funds and that they grow by compounding

Manageable execution  THINGS THAT NEED TO BE DONE ROUTINELY BY DEFAULT (no need for follow up)

1.  Complete the staff at least the Loan Assistant and accounting asistant

2.  Semestral report to SEC as part of secondary license (ang laki na ng penalty)?

3.  Regular computation of AIP (Accrued Interest Payable on the  funds)

    1/2 of rate set if funds move, and full rate if there are no withdrawals based on

     lowest quarterly balance accrued and posted quarterly

4.  Regular rate setting (monthly i back track)

5.  Prompt collection of funds from SBU monthly.

     (We shall allow deferred payment without penalty from SBU until 2018

6.   Accurate and updated balancing of funds due. TFC, Insurance, MC, ME TAV etc..

      Kailangan maayos na kuwenta.  Kung walang kuwenta, walang kuwenta organization

Sarah, naresearch mo na wealth builder program?

--

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

Numbered Chart of Accounts for Majorem Lending Investors Inc.

PAGSASANAY SA TAGUMPAY

December 8, 2017


December 5, 2017

We are on the way to making the final draft of the numbered Chart of Accounts Majorem Lending. Check for vertical and horizontal logic and internal consistency.

1.  Start revising your CRB and CDB  (with respective trial balance to conform to this)

2. Start using numbered accounts as you do your CV and other reports

1. Prefix for business groupings.

    01    Holy Gardens Group:

           011      La Union

           012      Pangasinan

           013     Calamba

           014      Calapan

           015      Oton

           016      HAMP

           017    Malasiqui

    02    Bereavement Providers Inc

    03   Majorem Lending Investors Inc

    04   Destiny Financial Plans Inc

    05   Chapel Memorial Care Crematorium  and Services

    06   Columbary

2.  Chart of Accounts and Number

Account Number

Description

Account Type

1000

Cash

Asset

1010

Checking Account

Asset

1011

Savings Account

Asset

1012

Time Deposits

Asset

1060

Petty Cash Fund

Asset

1100

ICR - Other Debt Instruments

Asset

1210

Loan Installment Contract Receivable - Retail

Asset

1230

Business Loans (Non-HGMP)

Asset

1250

Corporate Loan

Asset

1251

Allowance for Doubtful Account

Asset

1310

Real Estate Held for Sale

Asset

(Owned and Acquired)

1420

Office Supplies

Asset

1530

 Prepaid Insurance

Asset

Property, Plant, and Equipment (account numbers 1700 - 1899)

1700

Land

1710

Buildings

        

1720

Leasehold Improvement

1730

Office Equipment

        

1732

Office Furniture

1780

Vehicles

1810

Accumulated Depreciation - Buildings

1811

Accumulated Depreciation - Leasehold

1830

Accumulated Depreciation - Equipment

1880

Accumulated Depreciation - Vehicles

Current Liabilities (account numbers 2003 - 2499)

2013

Notes Payable - PN

Liability

2023

Notes Payable - Various

Liability

2050

IF

Liability

2051

Insurance Fund Held - CAPF

Liability

2052

TVA

Liability

2053

ME

Liability

2054

PMS/PIS Funds Payable

Liability

20541

Insurance Fund Held

Liability

20542

Trust Fund Contribution

Liability

20543

Liquidity

Liability

20544

Principal

Liability

20545

VAT

Liability

20546

General Admin

Liability

20547

ME

Liability

20548

Commission

Liability

2100

Accounts Payable - Trade

Liability

2210

Salaries Payable

Liability

2111

Contributions and Remittances

Liability

21111

SSS Payable

Liability

21112

HDMF Payable

Liability

21113

Philhealth Payable

Liability

21114

Withholding Taxes Payable - Employees

Liability

21115

Withholding Taxes Payable - Others

Liability

2250

Taxes Payable

Liability

22501

VAT Payable

Liability

22502

Income Tax Payable

Liability

22503

Penalties

Liability

22504

Mayors Permit - Business Tax Payable

Liability

22505

RET - Tax Payable

Liability

22506

Doc Sci Payable

Liability

2310

Accrued Interest Payable

Liability

                   

2450

Unearned Revenues - Deferred Income

Liability

Long-term Liabilities (account numbers 2500 - 2699)

2510

Mortgage Loan Payable

Liability

2560

Bonds Payable

Liability

2565

Discount on Bonds Payable

Liability

Stockholders' Equity (account numbers 2700 - 2999)

2710

Common Stock, No Par

Equity

2750

Retained Earnings

Equity

2950

Treasury Stock

Equity

Operating Revenues  account numbers 3000 - 3999)

3150

Processing Fee

Income

3300

Interest

Income

3350

Penalties

Income

3400

Other Income

Income

3401

Income from Insurance Fund Held

Income

3402

Income from Trust Funds Held

Income

Cost of Goods Sold (account numbers 4000 - 4999)

4150

Interest Expense

Marketing Expenses (account numbers 5000 - 5199)

5010

Marketing Staff . Salaries

Expenses

5015

Marketing Staff. Payroll Taxes

Expenses

(SSS, HDMF, Philhealth Employees Contribution)

                       

5020

Marketing Staff - Supplies

Expenses

5060

Marketing Staff - Telephone

Expenses

5070

Commission

Expenses

5080

Transportation Allowance Expense

Expenses

5090

Promo Items

Expenses

5110

Prizes / Awards

Expenses

5120

Discounts

Expenses

5130

Gifts / Representation

Expenses

5140

Other Customer Service Expenses

Expenses

5150

Ads and Events

Expenses

Gen Admin            (account numbers 5900 - 5999)

5910

Staff Salaries

Expenses

5911

Allowances

Expenses

5915

Staff Payroll Taxes - SSS, PHIC, HDMF er

Expenses

5920

Wages - Contractual

Expenses

5930

Supplies

Expenses

5940

Rental

Expenses

5950

Communications & Postage

Expenses

5960

Repairs and Maintenance

Expenses

5970

Security

Expenses

5980

Local Taxes and Permits

Expenses

5990

Depreciation Expense

Expenses

5999

Management Fee

Expenses

Others (account numbers 9000 - 9999)

9180

Gain on Sale of Assets    

Non recurring Income

9610

Loss on Sale of Assets  

Non recurring Income

      

Significant accounting policies and definition

1. Loans  retail  loans granted to small borrowers, mostly Holy Gardens customers, not more than P100,000 and 50% of market value of the plots (current selling price of the plots)

2.  Business loans that are granted to non Holy Gardens customer fully secured by Real Estate mortgage

3.  Corporate loans are loans granted to members of Holy Gardens  group, that match and do not exceed funds that are in custody of Majorem Lending

4. Interest rate for loans and PN are set monthly in accordance with following parameterss

    1.  T bill rates 90 days +  3% for PN

         T bill rates 90 days +  3%   + 5% =   Prime rate for those with PN and funds held by MLII

    2.   Amount

    3.  Maturity

    4. Competition rates

        A matrix is set for this

5. No accrual is made for Loans Receivable

6. However, we book/credit interest income on PN and other special accounts held

   Interest is 50% of  the midrange highest rate say 4%  x 50%   =   2%

   The following are interest bearing account

            Memorial Care

            Interment Fee

            Trust Fund contribution

7.  Interest is computed quarterly by AA based on lowest monthly balance.

8. Sources of revenue:

       1.  Processing fee which is 2% of total

       2.  Interest on the loans which is straight financing (add on)

       3.   5% of the total TFC held based on the principal only

      4.  1.7% of  insurance fund held, or those collected from non insureable

      The rest of income of PIS, PMS:

      balance of collection fee  interest on the balance goes to GA of the funds

  9. The trust fund held may be allowed to invest in:

      1.  5 year  T bonds  at 4.2% coupon rate

      2.  Investment in 5 years to pay plots at 0 interest

Revenue Generation for Majorem Lending

Objectives:

1.  To motivate Majorem Lending staff to work harder and level up understanding of business;

2.  To focus on tasks that create wealth, and generate revenue;

3.  To train harder and add staff to maximize revenue generation

Background /reality

We have determined that plots especially those under Hataw, zero interest and special prices,  are no longer generating the much needed GP, although they can generate steady monthly cash flow from huge number of customers, paying buyers

However we have businesses that generate more gp than plots 

1.  Loans  (no cgs, only cost of money, and the margins can be 2x the cost of money

2.  Insurance  up to 42.5% as commission

    Say premium for GYRT    ..30 /1000  x 30 x 12   =     108.00

    PAI       1/1,000    x 30       30                                   30.00

                                                                 Total          138.00

                                                                      x    5      690.00

          Insurance premium charged  4%  x 30,000         1,200.00

          Our com/margin                                                  510.00

            %                                                                      

         

3. Portion of GAI (5% of 12% )  as Net Income of Majorem Lending

    For the Kita sa Tag ulan,, if the SAA achieves her sales target, say 2,000 accounts x 25,000    =  50,000, 000 x 5%      2,500,,000/5 years  =  500,000 yearly

What must the MLII do:

1. Loan revenue:

    1. Collect the current and in arrears retail and corporate account;   Send the SoA and make sure they  reach the BPI AP, CV CK made and paid to Majorem.  White the fund balances balloon at the SBU and give them a false sense of liquidity, penalties pile up.  Loans must be paid.   Otherwise, MLII can be charged with fostering DOSRI accounts, ie, its affiliates do no pay.

   2.  Generate more loan revenues:

'      1. By soliciting accounts from the provinces SBU

       2.  Speeding up the processing  of  CAC (Credit Access Card)

2.  Insurance:

     1. Send SOA to SBU to collect the CAPF or Insurance accounts from Hataw pa more, or even 2015 Hataw

    2.  Collect the insurance premium

    3. Pay the premium;  book the difference as NI

    4.. Find out the fully paid accounts of Hataw 2015;  book the unclaimed premiums as NI

3.   As custodian of PIS, PMS IMP accounts:

    1.  Trace them and account for them;

    2.  Collect the TFC, GAI  

    3.  Book the 5% as net income

    4.  Compute for say 4% income on TFC balances

4.  Hire another AA for funds

    WTDN

    1.  MLII staffers must have FAR and be relevant to the opportunities and our vision;

    2.  Move fast;

    3.  Practice FAR;

    4.  Work harder

--

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.

Implementation of Insurance: filling up of application forms collection of the premium andremittance

What:   Implementation of insurance for hataw pa more and other insurable accounts

Who:   Cherish, Wendy MM

When:   ASAP

Objectives:

1.   To implement the insurance coverage for the Hataw accounts

2.  To collect and remit the premiums

  

3.  Provide peace of mind and security to the buyers of our products;

4. To keep our word to the customers

Reality:

Nothings moving.  We conducted a series of meeting with MB Life, asked for forms, hired additional people moved into a new office.  We trained people  And we have not insured any one yet.

This is very embarrassing not to mention that we are at great risk in case someone meets accident

Options:

1.  Be the way we are;  We will shoulder the risk

2.  Move now.  Wendy Lirio shall do the PDCA for this project not later than June 21, 2017

We back track beginning June 15 for both GYRT and Personal Accident until we cover up to May 1, 2017.  Then we back track to March 1, 2017

1.  Begin with PA.  List down all:

    1.  employees who are two years or more with the company;

    2.  those who paid in cash from May 1 to June 15 

    3.   those who bought plots form us from May 1 to June 15.

2.  Send the application form to the SBUs for the period mentioned.

    1. Collect the forms

    2.  Remit the 4% deduction for the insurance

    3. MLII will collect

    4.  MLII will pay by remitting the amount to MB life via CBS at the ground floor

    5.  Mail send the policies to the plan/plot holder.  ASAP

3.  WL will handle this as we hire another AA for funds, and an insurance assistant WL will handle the loan accounts at AM and insurance in the PM until the replacement regular is hired

FOR COMPLIANCE

--

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.

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

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