Pinoy Biztalk and Jobs: June 2016

Jun 27, 2016

PRESIDENT ELECT DUTERTE

WELCOME TO PRESIDENT ELECT, the homepage for information on the election of U.S. Presidents and the electoral college. You'll find election results, history, electoral college debate, and much more!

HAVE A QUESTION ABOUT CURRENT, PAST, OR FUTURE ELECTIONS? As always I am here to answer any questions you have about presidential elections and the Electoral College so feel free to mail those(but check the FAQ page first as I usually will not answer emails that ask questions that are already listed there).

This website is provided for informational and educational purposes; every effort is made to make sure it is accurate. President Elect prides itself on being objective and nonpartisan. If you have additional information which I'm missing or you can correct any errors please feel free to contact me. READ MORE >>>>>>

SOURCE: http://presidentelect.us/index.html

UFC fighter John Dodson: I'm Filipino

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Organic Farming

PLDT Leading telecommunications and multimedia services company

Leading telecommunications and multimedia services company PLDT, through PLDT ALPHA Enterprise and PLDT SME Nation, launched the countrys first, easy-to-use #MyNumber solution in Cebu City, following the Manila launch a few weeks prior.
READ MORE >>>>>>

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Jun 24, 2016

Camella Visayas

Source: https://www.facebook.com/CamellaVisayasOfficial/?fref=photo
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Jun 17, 2016

FOR SALE PALAYAN: BARANGAY ABIAWIN INFANTA, QUEZON

PLEASE CONTACT: ALEX RUTAGINES 09982403000, EMAIL alevars2@gmail.com

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PALAWAN PROPERTY FOR SALE, 3,920 SQ. Meter, Vacant Lot Lot 204, Aborlan Bgy. Poblacion, Php 3,528,000.00

Photo By: AVR
For Queries please email: alevars2@gmail.com, Call 09982403000

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WALANG KUPAS AWARD

PHOTO BY: Edgar Maniebo

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Jun 16, 2016

Duterte Naghain ng Kasong Treason Laban Kay Sen. Trillanes

Duterte Naghain ng Kasong Treason Laban Kay Sen. Trillanes: Naghain ng kasong treason si President-elect Rodrigo Duterte laban kay Senador Antonio Trillanes ...

Jun 9, 2016

UP Law Student’s Open Letter To Incoming President Rodrigo Duterte

Click the link below
Read up: UP Law Student’s Open Letter To Incoming President Rodrigo Duterte

Source: UP Law Student

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Jun 8, 2016

ISLAND HOPPING AT HONDA BAY PALAWAN

Photo by: Kent Jerome Villegas
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Jun 7, 2016

Here are the 31 Questions you need to ask when inquiring about a foreclosed property…

What are the payment terms? You need to find out what’s the minimum down payment, how long are the payment terms, interest rates, and whether the interest rates are fixed, and the monthly amortization.
Can you give details about the property like the type of property (single detached, town house, multi-door apartment etc.) number of bedrooms, toilet and bath, parking slots, etc?
Can I buy the property without the need to go through a public auction? This is an offshoot of my experience with pre-auction bids.
Is the property occupied?
If there are occupants, have they already agreed in writing that they are leaving the property by the time it gets sold? If not, move on to your next property or say thank you and hang up. Trust me on this!
If the occupants will be leaving, what is the buyer’s assurance? You need to determine if the seller will give back all the money you may have paid by then like your show money and down payment if in case the occupants don’t honor the agreement to leave.
Does the property have a clean title?
Can I have a copy of the Title? You will need this to get a certified true copy at the registry of deeds plus trace-back (a trace-back is the previous TCT or CCT which has been cancelled and replaced by the current one due to a transfer of ownership), including a copy of the mother title if the title is a CCT. When you get a certified true copy, check for any annotated mortgages, liens, encumbrances, adverse claims, etc. The new TCT/CCT should be clean while the trace-back would normally include the mortgage amount, which is what the bank needs to recover. Hint: This helps when deciding how much you are willing to pay when submitting an offer. If the title is still under the name of the previous owner, the bank is most probably still in the process of consolidating the title(examples: Buena Mano Yellow Tag and Red Tag Properties)
Who shoulders the Capital Gains Tax (CGT) or Creditable Withholding Tax (CWT)?
If the buyer shall be shouldering the CGT or CWT, how much would it be? You should ask the bank or the seller to come up with the computation so that there will be no surprises and you can include this in your analysis. To learn more about CGT and CWT, you may want to read my previous posts about CGT and CWT.
How much is the Documentary Stamp Tax? Ask for a computation and verify if it’s correct.
How much is the annual real property tax and is it updated?
If the real property tax is not updated, Who shall shoulder the updating of the real property tax up to the time you buy the property? Usually, real property taxes of foreclosed properties are left unpaid for a number of years resulting in a significant amount in arrears and penalties. Normally the seller does the updating but you should verify this.
Are there any other taxes applicable to the purchase of the property like VAT, etc? If yes, how much? Again, you should avoid any surprises that could eat up all your profits and could even result in a loss for you.
If the property you are looking at is a condo, are there any arrears in the monthly dues?
If there any arrears in monthly dues, who shoulders the updating?
How much are the monthly dues per square meter of floor area and how much per month in total?
For properties in subdivisions or villages, Are there any arrears in the homeowners’ association dues and who shoulders this?
Aside from homeowners’ association dues, are there any other expenses you will have to pay and how much?
Are there any arrears for utilities like water/electricity?
If there are arrears for utilities like water/electricity, who shall shoulder the updating of the arrears?
Are electricity/water connections available for the property to begin with?
If electricity/water connections are not available, How much would it normally cost for a connection to become available for your property?
If electricity/water connections are available, how much would a reconnection cost?
When shall the buyer be given authority to renovate the property or take control of it? The earlier you can renovate a property and have it ready for occupancy so it can be sold or leased, the better. Some banks give control of the property once the Contract-To-Sell (CTS) has been finalized or when the title has been transferred to the name of the buyer in case bank financing is through a mortgage.
How much can I have the property rented out or what are the rentals for comparable properties in the same area?
How old is the property? Of course a newer property is more desirable but an old property that is in good shape could also indicate a high build quality that could mean the property is built to last.
What is the condition of the property? You need to find out early on if major repairs are needed.
Is the property accessible? You can also ask for a copy of the vicinity map and directions.
Are there any schools, churches, markets, hospitals, etc. nearby? You can verify this using the info you’ll get from question #29.
Ask for any details about the property that may affect finding tenants or buyers, etc. For example, has there been a murder/suicide on the premises of the property, etc. I got this tip from my broker. She told me her experience in having difficulty selling one foreclosed property where someone had died and she swore she will avoid such cases in the future. I made sure that she was not talking about the property I got through her. =) Read More