Product Plan Pre Need (PMS)

November 1, 2017

PAGSASANAY SA TAGUMPAY

For Destiny, we sell White Rose only in the meantime:

1 White Rose  -   White Rose   30,000

2  White Rose -   Peace Lily  -  P60,000

3 White Rose -    Carnation        90,000

MATCHING OF JFLORES CASKETS WITH OUR SERVICE BRANDS

      Our Name        Trade Name                        Cost            SRP

Economy Packages

1.  Zinnia               Plain Stucco                    2,300            15,000

2.  Daffodil            Semi Stucco Half Glass   2,800            20,000

De Luxe

3. White Rose       OMS plain full glass or    3,300            30,000

4.  Gladioli            OMB plain full cap          4,000            40,000

 5.  Cattleya       OMB Junior Papatong        5,300             50,000

                           Junior Full cap                    4,800

6  Peace Lily        Senior Tapiada                  6,300            60,000

                           Junior Metal Full cap          6,500

                           Senior Metal Full cap          7,500

7.   Carnation        

                            Junior Flex (Metal)             9,000            90,000

New and Better Strategies for Selling Pre Paid Services and Plans

To       :   Sales Admin

               SBU CMO

               Sellers

October 31, 2017

Objectives:  

1.  To sell 5,000 pis pms packages next year in 2017

2.  To save on additional expensive salaries for officers to sell the pre need products

3.  To boost CMS sales

Reality background:

1.  We had disappointment with JI and BQ, We spent P60,000 on Tamondong and P80,000 on JI (who even staged a war vs us). Ms. Jimenez is not  clear on joining.  We cant gel with experienced sellers from the outside

2.  Mr. BQ a senior wanted to join would have allowance but would need a lot of resources and would bring in former employees of LMP (who are also limited and with different mindsets)  He has miniscule targets;  

2.  We were able to sell a number of pis nearly 600.  for the 2nd quarter without additional investments

What we can do?

As Asec Densing has suggested, we just piggy back the memorial plans:   interment service and funeral service with out sales efforts;

Strategies:

1. For the PIS (which shall be marketed as addendum)

       1.  Stop the sales of PIS 12.3 even as part of package by December 2017

        Only at need P14,900 Interment Service shall be available

      2.  Adjust prices of IS

           At need now                        At need by December

   DLX         23t shall be                           28,750*

   LXury       26 shall be                            32,500*
                                                                 subject to review

  2.   With the increase improvements must be made in

          1.  Tributes are must

          2.  Funeral pack 2x in budget

          3.  Dagdagan chairs

          4.  Gandahan tribute

          5.  2x ang merienda after interment

         6.  Magbigay ng corona maski P500.00

.  3.   The customer can save if they buy prepaid interment services on a package with either the regular plots or special plots we are selling in the future.   Not available to previous buyers by 2018

        Those who are previous plot buyers can still buy at the old PIS price of P23,000 and P26,000 until December 2017

B.  For chapel memorial service (funeral service)

  

The #memorial experts

Our customers can start buying in packages.  Because of small monthly for plots and service, having plots and services even become more affordable.   You have everything at your fingertips when you need them

And there is a promo:

 1.       2 in 1 package  (plots + Interment Service

         Promo -  FREE one month amortization

     Packages:

    a.   2 in 1:       Plots + PIS           Available in all Holy Gardens   SBU        

                                                        TLP                           Monthly
     
Thus say:    Plot                     -           36,000                      750.00        (600.00 only until December)

                                                         23,000                      480.00

                                            Total      59,000                    1,230.00       (Only 1,080 if bought in 2017 

                                                      Free one month amortization

     

     2.   3 in 1:"  Plots + PIS +  White Rose:

      (3 docs:    PPA for plots, Addendum for PIS, , PPA for white rose)

       Total package:

                                                                   TLP, TPP      Monthly

                                                  Plot          36,000.00     P750.00  (600 up to December 2017)

                                                  PIS           23,000.00     480.00

                                               White Rose  30,000.00     625.00

                                                                 
                                                                   89,000.00    1,855      (P1,684 up to December 2017
                                                                                                       SAVINGS  OF P200.00 or P12,000 

                                             Special offer -  FREE one month amortization!

      For the sellers:    COMMISSION COMPUTATION

                              Plot             36,000       750.00      (600 lang bilang excluded)     2,949
                                                                                                      interest
                             PIS              23,000       480.00                                                   2,010

                             PMS            30,000       604                                                        2,610
                                                                                             Total                            7,569/12 =

                                                                                                                                 630.75
                                                           
                                            

Proposed product plan for Destiny Life Plans

PAGSASANAY SA TAGUMPAY


Rizal Philippines
June 23, 2017

We are on final stages of having actuarial studies which is UNIT + Plans. (UPP) These are to be  sold in units of  P10,000 each to match various funeral services (which we can pay up to 65% of the listed at need price)

Then we have to IC for product plan approval.

The features of the product (internal and financial perspective)

1.  Unit Price                                one unit                       3 units

Unit Price                       P10,000       Total                 P30,000        Total

Annual                             2,000         10,000                 6,000         30,000

Semi Annual                    1,060          10,300                3,180         31,800

Quarterly                           562           11,240                1,686        33,720

Monthly                            199            11,940                  597         35,870


2.   Trust Fund Contribution  

  Year          1            2            3            4           5                 Total  

TFC    10.00         60.66   60.66       60.66     60.66            50.53

Com   40.00          10.00      x              x          x                  10.00

ME      3                 3           3               3         3                   3.00

Admin  20.00         10.00   10.00       10.00    10.00            12.00

ST                                                                                        75.53

 Liquidity fund                                                                       24.47

Shall used for liquidity, other investments and other expenses (to pay extra the mortuary, to make investments in memorial products of other companies)



3.  Matching  the funeral product services with the unit plans

The catalogue of services shall be provided the  sellers.   Based on what the customers want, using only one product, the prospect shall select the number of units he/she needs;   The number of units shall match the product or service selected at the servicing mortuary (or in house chapel memorial service)

 2. Funeral Services

                                                   Pre Need Price   #Units             At need

           Wood  White Rose   -         P30,200           3                       38,000

                             Gladioli              39,500            4                         49,000

                             Cattleya             48,500            5                          60,000

             Metal

                             Peace Lily         62,400            6                         78,000

                            Carnation           89,500            9                       112,000

                            Chrysanthemum 115,200         11                        144,000

   3.  High end

                          Lotus                   150,000       15                          185,000

                          Gold Orchid          200,000      20                          250,000

                             

                          Saffron                 300,000       30                          375,000

                           Bouquet               500,000       50                         625,000

Interment Service

                           Economy           12,000            1 unit
                       
                         Du Luxe              23,000            2

                         Luxury                 25,000            3

Cremation        

                         Direct                28,000             3 units

                With service
                 before cremation      65,000             6  units
                3 nights chapel
                karuwahe, etc

               With service              48,000              5 units
               after cremation

     N.  B.

    One unit is a loss product

    There is profit on 3 units as listed

4   Product benefits and advantages

     1.  Insurance protection  during the paying period:    term life and personal accident

     2. Guaranteed memorial services (more economical than at need)

     3.  Preferred customer services:     funeral pack, tribute, ceremonies,  flowers, prayers

     4.  Flexible:    only one product a unit plan to cover   16 product lines;  not fixed to any particular plan but to the peso value of the plan

    5.   Liquid  can be withdrawn any  time especially past the  paying period (on the 6th year)

    6.   With increments -  depending on the trust fund earnings the plan holder will participate get a share of additional earnings of the trust fund.  

    

                 

Why do we need to be united and strong and work as a team?

This has been published in a bike group, and posted in front of Holy Gardens Angono.  This was resorted to by Holy Gardens Angono when Destiny took in Janzen (which was founded by Jun Vic and now run by his wife and children)

after Sympathy (the mortuary of Holy Gardens) failed to come up with a written mortuary agreement after months of negotiation

This offends my office and my business sense of being positive, and that business is addition rather than subtraction.  This is subtraction

The allegation is totally incorrect.  We are using our own Holy Gardens form as an addendum for existing buyers.   We are promoting Destiny and Holy Gardens because we are Holy Gardens at the very start.  This person also founded all the Holy Gardens.  We discussed and presented this fact as we negotiated with their parties

1. What do you think of this announcement?  Will it make the business of Sympathy (Holy Gardens) stronger? Will it affect our business or that of Destiny?

2.  Is this a good business practice:   ranting, or crying over spilled milk, or to be negative and act on anger?

3. What should be our resolution/action regarding such action?

Sometimes this office thinks that the adversary /enemy is not from outside but from within when we do not obey our directives, policy or instruction.  We do not need adversary at times to weaken us.

This office sincerely wish that in the absence of any other more business opportunities or innovation, this post would help their business grow and prosper.

But we have to think, hire better people and work harder

"If you are not with us, then you are against us"    This even comes from the Bible

Jorge  U. Saguinsin

Why you should buy a life plan now - HOLY GARDENS (Destiny) Life Plan

PAGSASANAY SA TAGUMPAY

Life is beautiful, plan for life; buy a life plan now

Life is beautiful, plan for life

Rizal Philippines
March 26, 2017

Slowly but surely we are spreading the good news. We are offering an innovative life plan first starting in Angono, Rizal.  We have partnered with a leading mortuary in Angono offering excellent and preferred customer service for the past 12 years.  Our life plan and their service will make a great team combination

List of Authorized Life Plan Companies by OIC

It is important that this last important link in the memorialization phase of life be provided. Now that you have plot where to bury your deceased?  What else do you need?  A service of course.

We all need this product every one of us;  no one wants to leave this life so early or prematurely.  But one day, as all have meet our creator;  He will get back the life He lent us.  And when that time comes, are we ready or have we prepared our family for that?

(Or we shall leave them with tears, heart aches, troubles and even debt the mortuary.

Hence, every Juan must have a life plan (indeed it is for the living, because it takes care of the problems of the living, the beneficiary

The product: 

Our first plan for sale, which has been duly approved by Office of the Insurance Commissioner (the highest governing body of the Life Plan Company) (equivalent of BSP to banks) is White Rose;


Its features:

Price:     P30,400 contract price;   60 months to pay,  P604 monthly.  Very cheap and affordable.

              Cash  P28,880

Memorial Service:   Generic casket -  OMB full glass, wood casket,  free pick up within 25 km radius, home viewing for 7 nights,   with free funeral packs, 7 days embalming



Insurance Protection during the paying period

The plan holder is adequately protected by a rider, that in case something happens to him/her, if he/she is of insurable age and health, his amortization is deemed paid, and the principal which he/she paid shall be returned to him

Investment

 The purchase of a life plan is indeed an investment:

   1. The planholder is protected from price increase (caused by inflation) since the Company and the planholder has an agreement

  2. The plan is usually 20% cheaper than the listed at at need price

  3.  The plan can be transferred to a third party even partially or fully paid for an equal price or a gain.

  4.  Liquidity -  the plan can be terminated any time, and cash surrender value can be had by planholder (  at 100%) beyond the paying period.

  5. Increments - when the company gets higher yields on its investment, there can be additional increase in the plan value (which can be additional cash benefits for the plan holder

As we go further in this business more innovations can be made and more benefits can be provided to the plan holder.

Thus, our plan holder can have a new way of enjoying our life plans

Assurance

Holy Gardens Group is a trusted company and is in business for the last 34 years and has been known to be consistent in its growth, is profitable, and has complied with all its commitment to the customers, and and govt regulations.

Destiny LIfe Plans is duly authorized by the Office of the Insurance Commissioner one of the remaining 18 remaining pre need companies, one of the 4 offering life plans

It has 11 sites nationwide with 4 sites with memorial assets (chapel and mortuary facilities)  It is investing in 2 crematorium now, and has 4 existing chapels.

It inventories nationwide totals into billions and can answer its obligation (Memorial services, unlike educ and pension plans are stable in price since there are many mortuaries and suppliers of caskets and sudden swings in prices is very unlikely that will take down a life plan company. The only surviving pre need companies are life plans and are growing strong (and all of them are memorial assets) Those who went down and belly up are pre need companies in educ and have no school assets. First plan, owned by the Tancos is a  good business and good business model, because it has a school system -  STI.  All sound pre need companies must have assets for the product it is selling. Thus HMO must have hospitals, so that they are beholden to hospital owners now (in case they unjustly increase prices

For more details, even being a seller:

PLEASE CONTACT:

1. Ms Joyce Ibanez    Marketing and Sales Coordinator   Destiny Life Plans

  Call or text              0936 473 2525

                                  holygardens.group@gmail.com

                                <jocelynibanez.destiny@gmail.com>

                                or any of her sales consultants near you

2.  Ms. Marjorie Miranda  Sales Admin  -  Holy Gardens Group

 Call or text           0917 305  6985

                              0922 877 0808

                             bpi.records3ffb@gmail.com

We shall have a motorcade by April 8, 2017, and transfer to our satellite  office, at 3rd floor also at Mercedes Building at Manila East Road, Angono, Rizal, near 7 11 at the crossroad to East Ridge, in front of Scrap yard.. There we intend to capture progress and the vibrancy of the growth of Angono and Rizal

Our main office is at 2F Amber Building,  Bayani Rd. BGC, Taguig City

                       

Proposed new product plan for IC

New product plan for approval by IC

Objectives:

1.  To lessen cost of registration with IC

2.  To make the products non traditional really non traditional, ie pegged at peso value only not the benefits

3.  To simplify training of staff/sellers and servicing of account (by accounting)  (lessen complexity) and save on forms and brochures too

Background:

     As of now we have 13 product packages,  8 caskets,  3 cremation, and two pis and many of them are sometimes similar across the board.

  A.   Caskets services;

            Social

            Zinnia                                        P15,000

            Daffodil                                         20,000

            Econo

            White Rose                                  30,400

            Gladioli                                          39,200

            Cattleya                                         48,500

            Peace Lily                                     62,400

            Carnation                                      89,500

           Chrysanthemum                          110,400

           Interment service

           De Luxe                                         23,000

           Luxury                                           25,000

           

           Cremation                                      

           Direct Cremation                          28,000

           Cremation + White Rose             58,000

           after cremation      

           Cremation + White Rose

            + Ash Crypt upper/lower            88,000

We can see that there are products with common price:

Say white rose and direct cremation and also interment service; carnation and cremation with white rose and ash crypts

What is the plan:

1.  The product shall be non traditional

2.  It shall be based on amounts (say plan P20t, Plan 50t rather than service package;

3.  The products shall be used to purchase like currency services from mortuary or crematorium

4.  To allow flexibility especially if we have tie ups with other memorial parks, like FL who have their own mortuary arrangement

5. The product plans are:

      A. Plan 20t

          Plan 30t

          Plan 50t

         Plan 100t

     Cash benefits may be paid to the planholder if trust fund income exceeds 9% per annum on the average   If below, the mortuaries will be supported.  

     The plans can be used as currency to pay for benefits at mortuary and crematorium instead of being used as a plan

     Plan 20t can be used to avail of the Daffodil or Deluxe interment (dagdag pa ng P3t)

    Plan 30t can be used to avail of White Rose, Luxury Interment and  Direct Interment

   Plan 50t can be used to buy  Cattleya and Cremation with White Rose

    Plan 100t and Plan 20t can be used to buy Chrysanthemum

Thus the sellers bring brochures for:

    1.  Chapel (funeral) service

    2  Interment service

    3. Cremation service

    And say if you want to avail of this buy several of various plans for various services

   They only have four plans to memorize to sell:

       Plans             Annual    Semi Annual       Quarterly      Monthly

      20,000            P4,000       2,100                  1,150            480

      30,000              6,000        3,150                  1,725            600

      50,000             10,000       5,250                  2,875          1,000

     100,000            20,000      10,500                 5,750          2,000

   B.  New Plan for Plan 50t and P100t (Heritage)

        If the planholder and his beneficiary  are still  alive after 20 years, a new but similar plan is made for the beneficiary that will be amortized for 5 years

Inquiries have been made to AAI for this simplified product plan

Jorge  U. Saguinsin

The Holy Gardens Group - "THE MEMORIAL EXPERTS"

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

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

Griefshare   -  free obit posting

Holy Gardens Best  - best pictures

Landscaping ideas - gorgeous landscaping ideas

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

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

BIDDA:    BELIEVE INSPIRE DREAM DO ACHIEVE

Google.com+/HolyGardensGroup

Basic Training for selling Pre Need Plans at Philplans. We can learn a lot from this

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

Rizal Philippines
January 13, 2017

We can learn a lot from the way Philplans train its agents/sellers and how we can level up our training too.

Product Training - Memorial (Basic) from manilawest

Revival of Packages

As we have discussed this morning; we agreed on the following general ideas on the pricing:

1.  At need:

     Lot and IS combo:

     less 10% on IS

     less 5% (+15% on pre need prices for plots

     Lot +  IS +  CMS

     Less 10% on IS

     Less 5% on plots at need prcies

    Less 10% on CMS

2.  Pre need:

    Lot +  IS combo

    Less 5% on plot

   Less 5% on IS

   Lot +  1S  + CMS combo

      less 10% on CMS

      less 10% on IS

      less 10% on plot

3.  Manner of payment:   -  a la MP

    60 months to pay, 15% on the balance for 5 years

    Cash                xxxx

                 TF:                          xxx

                 Plots                      

                IS

                CMS

    less commission:

               Commission payable   -    15% for office staff

                                                          up to 50% for  ISE

    The balance after the commission is paid shall be deposited with MLII TF

4.  Strategy for plots:

     1.  Certain portion of MP shall be set aside for the packages

     2.  The PC and VAT are part of selling price of the plot;

     3.  The TF can opt to pay for the plots (only) in cash:

                     less 10% for  cash discount

                              20% for ME

          The VAT and PC remains with the TF and is paid only upon use.

 

Jorge  

The Holy Gardens Group - "THE MEMORIAL EXPERTS"

Please view the following sites of Holy Gardens group and share

Holy Gardens Memorial Plan (proposed)

Holy Gardens Memorial Packages

Holy Gardens Memorial Plots

Holy Gardens Chapel and Memorial Services

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

BIDDA:    BELIEVE INSPIRE DREAM DO ACHIEVE

Google.com+/HolyGardensGroup

Interim marketing of services for IS and memorial services (funeral services)

To    :   Holy Gardens Chapel


Kindly make a study plan on how we can market pre need the IS and Chapel
and memorial services to our existing customers.  We can use or make a  new
addentdum:

1.  Products services that are to be sold:

 Interment Service    De Luxe and Luxury

Chapel and Memorial Services:

Traditional (no ROP) from P28,500 to P99,500

2.  Price Points;

              Name            Price                              Monthly 60 mos

     1.  IS  de Luxe  -    19,500                                    373.75

     2.  IS Luxury      -    23,900                                    438,16

CMS

   1.   Masa Product    -          P28,500                 - P546.25

       Masa Product Senior       P33,500                     642.08

    2.                                         49,500                          948,75

    3.                                       64,900                           1,243.91

    4.                                          79.90                           1,531 41

    5.                                          96,60                           1,85l.51

KINDLY GIVE THE NAMES;  AGREE ON A COMMON NAME FOR PRE NEED AND ACTUAL NEED
WITH PANGA AND YOUR AND THEIR CHAPEL

3.   Come up with a sales kit and a two page brochure

4.  Have the abstract for this ready;

5.  Let us have a new addendum or use existing addendum;

6.  This is available only for existing customers and well append the
addendum to their existing product

7.  We will use the memorial plan system for the following:

    1.   Commission:

         For independent SE

         7% of total on first year amortization      35% for SE

         2% of total or  % of 1st year amort        10% for SM

         1% of total or % of 1st year amort           5% for SD

         OR shall be full amount, but the amortization report shall have the commission deducted, and duly signed acknowledged by the Sales Personnel involved

         For office staff:  3% of total, or 15% of  1st year amortization

     2. Collection allowance:

     Only for ISE:

     P25.00 for amounts below P1,000

    P40,000 for amounts above P1,000

 

P25.00 for amounts below P1,000

    P50,000 for amounts above P1,000

    3.  For cash payment:   10% discount shall be granted;

        20% of the total payment is only commissionable

  3    Fund disposition: (Budget)

  Year           Com                 TF                        GP

     1           55% (11)             5%    (1)             40   (8)

     2.            5% (1)             40%    (8 )            55% (11)

     3             5% (1)             75%    (15)           20% (4)

     4             5% (1)             80%    (16)            15% (3)

     5             5% (1)             80%    (16)            15% (3)

    

Weighted total      15                        56                   29%

  3 Budget for the   29% is as follows:

              3% ORC and incentives

              3% for insurance (inhouse or outside)

             10% for administrative expenses:  salaries, rent, utilities

             13% GP

    4.  TF shall be for banks, trust department

    5.  Proofs for reimbursement: by TF:

     1.  Interment authorization or  chapel memorial service authorization;

     2.  Copy of addendum

     3.  Death certificate

     4.  SOA

Reimbursement shall not be later than 15 days after receipts of requirements

    6.  Maximum reimbursable amounts:

     In house:  (with HGMP group)

          IS          -                  80%   

         Masa package:         85%

         45 to 85           -         75%

         95 up               -         60%

(Please check)

Can we start by January 5, 2015

Product and price line up for chapel memorial service.

Here are some of the funeral service line up of prices

Please check sir dong our proposed prices kung reasonable and competitive.

Basic products

    Wood                           Pre Need              At need               Competition

1  OMS                                                            X 1.2

OMS half glass            25,000                    34,800         

OMS full glass             29,000                    34,900

OMS full glass/L            31,500                     37,900

2. Junior

Junior Half  glass        45,000                     53,950

Junior Full  glass         49,500                     59,400

 Junior Full glass/L      54,950                     65,950

3.  Senior Lizu

Senior Lizu full glass    69,950                     83,890       

Senior Lizu Full Glass  74,950                     89,950

with L   

4.  Semi Metal 

Semi Metal flexi          119,500                    139,500

Semi Metal bilug         139,000                    166,600

5.   Metal                                                    (/.80)

Senior Metal full          89,000                      111,100

cap  

Senior Metal flexi        99,000                       123,000

Metal bubble top        159,000                       195,000

Metal semi impt          179,000                       220,000

Metal face2face          219,000                       273,750       

Metal  djanggo            249,000                       311,000

Big Coke bubble

Top with Swing bar     269,000                       336,250

Semi stainless with     490,000                       609,000

flex

          

Semi bronze with        600,000                       750,000

with flexi     

Solid SS with flexi     1,000,000                    1,250,000

bubbles      

Solid bronze with      2,700,000                    3,000,000                   

flexi bubble     

The over a million package is a luxury package;  comes with caterer and all amenities.  Uniformed waiter, 4 pc music, singer etc.    Expenses may reach 1 million, but the service provider is still ahead by almost 2 million.   

For services above Junior, here are the freebies:

Sales target at need chapel memorial service

1. uniformed attendants  (female with caras) lady attendants and driver

2.   free hot and cold water dispenser with free water daily

3.  4 nights and 5 days free chapel viewing

4.  15 days embalming

5.   free wifi

6.  one free flower wreath for the cheapest package

7.  two free flower wreath for the second  say P50,000 price range;

8.  fresh flowers daily for packages over P100t

9.  F150 flower car

10.  Expedition hearse

11.  Free:   up to P500.00 coffee, biscuits, plastic caps, candies and peanuts welcome treats for lowest price, up to P1000 all others;

12.  Memory board

13.  Pop tent for all packages above P50,000.00

14.  Free videoke equipment for all packages above P50,000

15.  QR code for ash or body crypts for all interments. that feature CV or tribute, or obit of the deceased

                    

Jorge  S

The Holy Gardens Group - "THE MEMORIAL EXPERTS"

Please reply.    CCD 2.27

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

BIDDA:    BELIEVE INSPIRE DREAM DO ACHIEVE

Google.com+/HolyGardensGroup

My own take on first half (H1) Performance

Goal:   To achieve sales of P50+ million in sales for H2

Reality:   Sales Performance of 30%+

This is worse than 2013 when we achieved 50+.  I would say that was our banner year.  We did 200 plots  in June 2013

What are my and your alibis?

We supported the H2 with new products and other financial support. However the following were not forthcoming or non existent:

1.  Lack of staff:

    At Panga, Calapan, Oton and La Union. 3ffb