Usapang Babae

Real Estate Problem: Walang titulo

Here’s another real estate problem emailed to us. I am posting this unedited together with the reply of Realtor Gigi.

gud pm po may nais lang po sana ako ihingi ng advise kc yung lupa na minana ng magulang po nmin ay nkapangalan parin sa mga lolo’t lola nmin at 10 silang magkakapatid . ang napagusapan ay ibenta yung lupa .ang pinagbentahan ay hahatiin nila.ang nkabili ng lupa ay yung tiyahin kong isa at yung nanay ko po at yung pera napgbilhan ay nahati hati na sa mga magkakapatid.kaso wala po silang docs na pinapirmahan na cila ang bumili ng lupa at nkuha na rin ng mga kapatid nila yung parte nila yun nga lang puro verbal agreement. gusto na po nmin ipasubdivide yung lote at ilipat ang titulo sa pangalan po ng mga magulang nmin. anu kayang dapat nmin gawin ska anu pong mga document ang kakailanganin para po mahati at mailipat yung titulo samin?
isa pa pong problema,yung iba pong kapatid nila namatay na.. panu po yun?

dito nlang po kyo reply sa email ko. God bless at salamat ng marami po..

Name Withheld

Reply from Realtor Gigi:
Mahaba-habang process ang problema nyo at kailangan nyo dito ay lawyer. But to give you idea of steps, himayin natin. Maraming me ganitong problema at hindi pwedeng madaliin kasi legal process ito.

First, kailangan muna jan ang extra-judicial settlement (find a lawyer) para mailipat sa lahat ng tagapagmana ng lolo’t lola mo. Dahil maraming magkakapatid, tapos yong iba, namatay at me anak rin, kasama yong name nila, kaya magiging super haba ang names na nakalagay sa magiging bagong title. Meron yang publication. Matagal yan dahil ipa-file yan sa korte. Pagkatapos malipat ang titulo nyan, meron pang 2 yrs na hindi pwede ibenta dahil sa Section 4 Rule 74 na itatak sa title at 2 yrs di pwede ibenta ang property or ilipat sa bagong may-ari. Kung sakali man me bumili, maghihintay sila ng 2 yrs before mailipat sa kanila ang title. Reckoning date nyan is the date the title was released.

Pwede rin na magtanong muna kayo sa BIR para malaman kung magkano na ang aabutin ng inheritance tax lalo na kung matagal na namatay lolo’t lola mo.

Mahaba-haba ito at medyo magastos kasi, marami na kayong penalties sa inheritance tax.
Hindi nyo rin ito maililipat o mahahati hanggang di nalilipat ang pangalan ng title sa mga buhay na tagapagmana.

Problema nyan ang gastos. Meeting muna buong pamilya nyo kung sinong gagastos. At kumuha rin kayo ng appraiser para malaman kung magkano ang value ng property para sa hatian, tama ang values na paghahatian.

Hope this help.

Gigi

Side Note lang:

Don sa mga naga-act as lawyer sa mga colorum agents dito, this is one instance na mahirap makipag-deal sa tinuruan lang ng features ng projects at pwede na magbenta. Ang daming lumalapit sa akin na mga clients ng colorum agents ang kanilang binilhan ng properties. Gusto lang kasi ng mga corlorum, makabenta, pag problema na ayaw na asikasuhin kasi , either nakuha na nila commission nila or di na alam kung paano iso-solve ang problema kasi di naman sila tinuruan ng developer kung paano. yong mga kawawang clients, pinapaikot -ikot na lang sa mga departments para ayusin kung anuman naging problema. Wala naman kasi silang poprotektahang lisensya.

FOR EVERYONE IN THIS GROUP, PLS. AVOID DEALING WITH NON-LICENSED AGENTS OR BROKERS. Check first their names with DTI or ask for their licenses.

Realtor Genevieve “Gigi ” F. Bonquin
REBL 6952 PAREB-RBR
Phones: (632) 2329169 / 7943168 Mobile : (63920)9063768
Websites: www.greenhuts.net www.philippineretirementhomes.com
“Help us uplift the standards of Philippine Real Estate. Deal only with duly licensed real estate practitioners”

April 14th, 2009

International Women’s Day

By Maribel Descallar

God is so good! He used CFCFFL to spearhead a collaborative undertaking with other groups in the Pro Family and Life Movement.

The various pro family and life groups expected the radical feminists to come out with various ads and activities on Sunday to depict their destructive view of womanhood. (March 8 as declared by the United Nations is the International Women’s Day.)We knew that it was important for us to be where the radical feminists would be, and that is media. The late John Paul II, encouraged women to stand up and form a new feminism, in order to uphold the dignity of womanhood.

So, the concept of our ad is evangelistic. We knew that we should not be preachy. We knew that we had to project that the authentic woman is not the “stereo type woman” that they depict us to be. Thus, it was important to also creatively project the God-given gift of womanhood.

Our ad is a checklist of the godly characteristics of womanhood. It aims to subtly correct the radical feminists’ view focused on the equality and competitiveness to men, and who views motherhood as an enslavement and obstacle to the advancement of womanhood. Thus, their battle cry, “the empowerment and emancipation of women”.

The visual is that of a pregnant mother, to highlight the choice of a fabulous woman:

to bring forth a blessing, the miracle of life.

Our tag line: Choose life… Celebrate womanhood!

To Him be the glory!

March 9th, 2009

Fake Magazine Cover

By Ovic Etruiste

Here’s a nice project for your photo- Fake Magazine Cover. For this project, I use the picture of my daughter Charmagne. Remember her from an old article that I have written: The Law of Least Resistance? That 9 year old girl will be seventeen years old on January 2009 thus I choose the template magazine cover of Seventeen.

How it’s done? Easy! Just go to the site of Fake Magazine Cover. Upload your photo then choose which magazine template you want to use (there’s too many to choose from). The magazine cover with your photo as cover model will open in a new window. Scroll below the picture and click Flash Editor to layout your photo. Then resize and reposition the picture to fit the magazine cover by clicking the +/- button, up/down/left/right arrows and the rotate buttons. Click DONE when you’re finished with the size and position editing. Right click on the photo and save the finished cover magazine in your computer.

October 20th, 2008

Why The Wedding Ring Is Worn On The Fourth Finger…

Note from the Editor

This article was forwarded to me by a friend without mention of the author. Let me just say this is written by Anonymous.

Why The Wedding Ring Is Worn On The Fourth Finger…

Why should the wedding ring be worn on the fourth finger? There is a beautiful and convincing explanation given by the Chinese…..

Thumb represents your Parents, Second (Index) finger represents your Siblings, Middle finger represents your-Self, Fourth (Ring) finger represents your Life Partner and the Last (Little) finger represents your children. (more…)

September 29th, 2008

Happy 23rd Birthday Son

By Ovic Etruiste

Alger Benedict. Bene for short. He is my first child. I conceived him while I’m reviewing for my Chemical Engineering Licensure Exam. No wonder, he is very intelligent, smart, articulate and a quick thinker (So if you want to have intelligent kids, read a lot and read aloud so your baby can absorb all the knowledge while inside the womb).

For seven years, he is my only child. It was easy to go on vacation with only him in tow. In those years, family is just Bene, Daddy and me. (more…)

1 comment September 11th, 2008

How to Expose Kids to be Environment Conscious

By Janise Ruiz

Janise with sons Franco Gabriel and Luc Raphael at a school event. Using cartolina and old newspapers, she made a papier mache sunflower for Franco and apple for Luc. (From the Editor: Great idea Janise. Pls demo papier mache during our EB. Let’s schedule one before Christmas.) (more…)

Add comment August 25th, 2008

Familyland TV

How Many Catholic Channels do we have in the Philippines? Well Familyland TV channel is just one of them.
Familyland TV has a full array of family- friendly programming which includes children’s shows, practical home shows, health & nutrition segments, sit-coms, family theater movies, Catholic prayers & devotionals (Mass, Rosary, Novenas), inspirational & spiritual shows, catechetical formation, Catholic music videos, youth and teen shows such as:

Meet My Friend- Sparky the Clown and Sr. John Vianney bring to life for the kids different aspects and teachings of the Catholic faith. Airs: Sun-5:30pm, Tues 9:00am & 5pm, Fri-5pm, Sat-7:30am. Also available in ABC channel 5 every Sundays at 7:30-8:00am. (more…)

Add comment June 16th, 2008

My Little President

By Ina Rabino

As a mom, I know that we can only tell how the challenge of being pregnant, the pressure of the upcoming due and the pain and discomfort of giving birth all fade away from the moment you see that little creature grows up bit by bit, seeing and discovering everything wonderful about them. That’s I think is the best prize you get from carrying a life in your tummy for 9 months without the guarantee of how easy or difficult it would be to you. You see, (more…)

March 25th, 2008

He Is The Answer To My Prayer

By Sheryll Nebrida

My husband was introduced to me 3 times by a common friend since June - Sept 2002 but oddly, I don’t recognize him and the second and third meeting always seems to be the first time. Maybe because at that time I am mending a broken heart.

I started going to the novena of St Jude every Thursday on June 2002. My prayer request is to give me back my ex. I am praying that my ex boyfriend will come back to me and hoping that he will be back (more…)

Add comment February 29th, 2008

Love as Sweet As Chocolates

By Arly Bernal

I have an officemate who happened to have a single brother who is also looking for someone to be with. What my officemate (Ate Mariz) did was, she gave my cellphone number to his brother (Marlon) and he started texting me, it was from December 2000 to January of 2001.I’m doing a sideline business which is homemade chocolates especially for Valentine’s Day and I ask Marlon if he wants to offer it also to his officemates and colleagues and he did not hesitate to see it. February 12, 2001 Ate Mariz and Marlon came to our house to get some of my home made chocolates to sell and it was the first time Marlon and I saw each other. The first time I saw him, I told to myself “Wow cute kaya (more…)

Add comment February 29th, 2008

Who Wants To Be A Millionaire Game

Here’s another game you’ll enjoy playing. It’s base from the gameshow “Who Wants To Be A Millionaire”. Click here.

Add comment January 13th, 2008

Do not use Xmas

By Ovic Etruiste
Originally written and posted in the forum on Dec 23, 2005

Hello my dear friends,

Do you believe that God gives out messages and instructions that you must deliver and it will keep on bugging you not unitl you do so? I got this 4am this morning but I tell the Lord, I’ll just post it in the morning since I’m still sleepy. Morning comes and I just can’t go online and I said I’ll do it lunch. The day is almost over for offices and God makes sure He nags me to do this. (more…)

Add comment December 20th, 2007

Conquer Cravings!

By: Jennifer R. Scott

The way you respond to food cravings just might make or break your success at weight loss and maintenance. Veering off from your eating plan occasionally will not be earth-shattering, but if you make a habit of giving in to your eating impulses, your moments of weakness will certainly catch up with you. The good news is, if you remember these tips you just might be able to conquer those pesky cravings.

1. It will pass.

Believe it or not, you can simply wait out a craving. Sometimes we may even mistake a craving for actual hunger. Playing the waiting game will help you distinguish between the two. If you still want something 20 minutes later, chances are you really are hungry. (more…)

Add comment November 26th, 2007

A Bad Experience May Be Turned Into Something Really Good

by: Butch Salvador

God makes all things work together for the good!

There was a boy selling Uraro ( its a white crispy and brittle biscuit) at buses in Laguna. shouting so loud his commodity, “UUUrRRaroo kayo dyan!”. The bus
driver who wanted to play a trick on the kid, applies the breaks that caused the boy to fumble and fall together with his biscuits. Eh di durog lahat ng paninda nya! The boy slowly got up… picked up his paninda and put it back on his arms…and started
shouting…. PULBORON , PULVBORON KAYO DYAN!

Mga ka entrepreneurs at mga ka businessman… a little lesson from the kid. Don’t lose hope! A bad experience may be turned into something really good.

Add comment November 12th, 2007

All We Have Is Today

Originally published in 2001 including Editor’s note.

Note from the Editor

I just can’t help but think of the time when I was contemplating on resigning from work and yet thinking how it will be affecting the family coffers. I already got 5 kids then so I decided to resign and give up the corporate life. And, as expected, our financial status turned negative. Debts have built up but we managed to survive coz the Good Lord provided for our needs. But what’s great, the family relationship have greatly improved and the kids are growing up with great character and attitude. That’s my reward for being a stay-at-home mom. I didn’t wait till I’m ready to resign, for I will never be ready. I didn’t wait till I have saved for tomorrow, for no one’s sure if tommorrow will come. One thing I’m sure of, I have TODAY and I’ll enjoy it with my family while my TODAY lasts.

All We Have Is Today
Author: Gayle Parish
Earlier published at Themestream.com

Have you ever noticed how we get so caught up in reliving yesterday and anticipating tomorrow that we throw away today? (more…)

1 comment August 21st, 2007

Paper Trading - Investing in Stocks Without Real Money

By Ovic Etruiste

My friend told me the other day that she wants to learn how to invest in the stock market but she don’t have the money yet to invest. My advise: Save at least P25,000 for your initial investment but while saving, start learning stock investing. The best way to learn is doing actual stock investing with the use of imaginary money.

This is called Paper Trading. You participate in the stock market using real stock price movement but using not real money. (more…)

1 comment August 9th, 2007

Isang Milyong Aklat, Isang Milyong Pangarap

Do you know that more than 2 million Filipino students can’t read?

Yes, it’s true that more than 20% of our public high school students cannot understand what they are reading.

Yes, it’s also true that in the High School Readiness Test (HRET) given by DepEd to 1st year high school students all over the Philippines, less than 2% was able to get a score of 75% or higher.

And Yes it’s true that many public schools all over the Philippines don’t have adequate public school libraries and enough books for students to read. (more…)

Add comment July 29th, 2007

Learn How To Invest In Stocks Lesson 3

By Ovic Etruiste

Were you able to watch the evening news last week that featured a lady who made a million in the stocks out of her P40,000.00 investment in 2002? What! That’s 2500% growth! Amazing! It may sound unbelievable but it is true. Making 5000% or more in 5 years is easy during the bull run of the Philippine Stock Market since 2003 to the present. Just for instance, you bought 12,000 shares of MVC yesterday (from lesson 1 you were taught to find the company represented by the codes) at P1.04. That’s an investment of P12,480.00. Today it closed at P1.32. That’s a gain of 27% in just 2 days or in peso, that’s an earning of P3360. (more…)

Add comment June 20th, 2007

Routine Matters To Kids

by Barbara Curtis

Routine is to a child what walls are to a house; it gives boundaries and dimension to his life,” wrote child psychiatrist Dr. Rudolf Dreikurs a few generations ago in the recently-reissued “Children: the Challenge”. Even as other parenting trends have come and gone, experts have consistently agreed that children need a daily structure to meet their security needs. What is meant by daily routine? Not a rigid timetable, but simply a predictable sequence of events followed day after day. A typical preschooler’s morning might be: wake up, eat breakfast, get dressed, clean the kitchen with Mommy, have playtime while Mommy does her work, put things away, read a story with Mommy, wash hands, have lunch. (more…)

Add comment June 17th, 2007

Unleash the Highest Potential of Your Money

By Ovic Etruiste

I was able to attend this session of Unleash last June 2 with my husband. It was not the typical seminar/workshop that discussed the serious topic of money management. Unleash called it Edutainment (Educational Entertainment. True enough, you are being entertained while learning. I don’t remember feeling sleepy in those 12-hours training, not even at the holy hour after lunch. How do you feel if you have been listening and learning for 11 straight hours? Super tired? Unleash have miraculously removed that physical exhaustion on the 11th hour when their Executive Vice President Avelyn Garcia lead us to a moment with God, reminding all of us of the goodness and the generous Father in Heaven we all have. Yes, we ended the day with (more…)

2 comments June 5th, 2007

Stock Buying Game Result June 1, 2007

By Ovic Etruiste

Many readers send me their stock pick in private mail. I will respect their request not to publish their pick but will exclude those in the assessment of who have the highest gain in our stock buying game for the period May 24 - June 1, 2007. For those who participated in this stock buying game in lesson 1, the winner is ……. drum roll………… ME! (giggles)

Hep hep hep!!!!! Before you even complain, read first our actual case analysis below. From the tabulated data, you can conclude that our winner and the participant with the highest gain is mvcustodio because she bought (more…)

Add comment June 3rd, 2007

Learn How To Invest In Stocks Lesson 2

By Ovic Etruiste

In lesson 1, you have familiarized yourself on the stock codes and the company it represent. I hope you have picked your stock and join our stock buying game. If you haven’t posted your pick, pls do so now before reading this lesson. We will assessed who have the highest gain weekly for a month or more depending on the number of game participants.Now, let’s proceed on Lesson 2. Again, we will use http://www.philstocks.ph/asp/quotes.asp for our data reference. Lesson 2 will be more on understanding the data you see in the box.

Last Price - This is the latest price of the stock which could be changing from time to time during trading hours (9:30 am -12:00 noon). At 12:00 noon onwards, Last price is the closing price (the price of stock on the last transaction as of 12:00 noon) for today. (more…)

1 comment May 28th, 2007

Learn How To Invest In Stocks Lesson 1

By Ovic Etruiste

The economy is doing great with the reduction in fiscal deficit. Peso is appreciating. Banks have lots and lots of money and loan rate is very very low. With everything in the economy getting better, what could be the disadvantage that we will have with this booming economy.

First, bank deposit rate and even time deposit rate is very low that having large sum of money will not give you income to live by. Gone are the days when some people need not have to work and just live on the interest of their big amount of money in the bank. Second, with the government in good financial standing, even the treasury bonds (more…)

17 comments May 24th, 2007

The Proper Thawing of Meat and Poultry

By Ovic Etruiste

I usually have an advance 3 days list for the family meals. It gives me time to prepare the ingredients in advance. One of the most important preparation of meals is the thawing and the marinating of the chicken, pork or beef meat.

The common practice is bringing out the meat from the freezer to room temperature and let it thaw for an hour or more. Another unsafe practice is thawing meat by pouring warm water. In as much as the meat parts will not thaw all at the same time, (more…)

Add comment May 14th, 2007

My Hands Just Did It

By Angela Thompson

The other night my children were being creative and crafty while I spent some time reading my e-mails. Their idea of doing crafts is grabbing scissors and paper and cutting like there is no tomorrow! Once they are finished there are bits of paper everywhere. Well, this night was just like any other as far as I was concerned. I fully expected to have to clean up millions of tiny pieces of paper and I really wasn’t disappointed. However, while I perused my messages, Sam came up to me and asked for the stapler to finish his dragonfly. I took a quick glance at his creation not really expecting to see much more than paper haphazardly cut into pieces. I had to take a second look because his creation actually looked like a dragonfly! (more…)

Add comment May 11th, 2007

Best and Worst Abdominal Exercises

Author Elizabeth Quinn

How to get six-pack abs

The best ab exercises are surprisingly easy to do. A study at the Biomechanics Lab at San Diego State University looked at a variety of common abdominal exercises in order to determine what really works. The study compared 13 abdominal exercises, ranging from the traditional crunch to more complicated activities, using at-home and gym equipment.

Each of the 13 exercises was ranked for muscle stimulation (measured with EMG) in the rectus abdominus (the long, flat muscle extending the length of the front of the abdomen) and the internal and external obliques (the long, flat muscles extending along the sides of the abdomen at an angle). (more…)

Add comment April 19th, 2007

Lesson 2: Why do we have Dead Skin?

Author: Ovic Etruiste

Here’s a more close up illustration of the epidermis. From the illustration, anything below the epidermis is the dermis. (The dermis is not clearly shown because our focus for our succeeding lessons will be more on the epidermis.)

(more…)

Add comment April 15th, 2007

The Only Job That Matters

Originally published in 2001 including Editor’s note.

Note from the Editor

In the article Kids and Attention, we have emphasize the need of a child to be seen. And I want to connect that article to our featured article for this issue: The Only Job That Matters By Robin C. Westmiller.

Have you ever had days wherein you are so lazy that you don’t even want to work on the dishes. Or for working moms, you come home and just slouch and didn’t bother to pick the rubbish on the floor. Well, I’m guilty of that offense. And here’s my husband telling me that I haven’t done anything for the day. Most of the time, people around us always induce guilt feelings, that oftentimes, (more…)

Add comment April 14th, 2007

How To Stop Emotional Eating

Author: Elizabeth Scott, M.S.

Try These Healthy Alternatives to Emotional Eating!

As anyone who’s watching their weight will tell you, hunger is just one of many reasons that people eat. Those with a tendency toward emotional eating are especially vulnerable to making poor diet choices for reasons outlined in this article. If you’re an emotional eater, you may find yourself eating to deal with uncomfortable emotions, using food as a reward when you’re happy, and craving sweets or unhealthy snacks when stressed. (Don’t worry; you’re not alone!) The following ideas can help you to cut down emotional eating and develop healthier eating habits—even when stressed! (more…)

1 comment April 10th, 2007

What Causes Emotional Eating?

Author: Elizabeth Scott, M.S.

When You Know The Causes Of Emotional Eating, You Can More Easily Prevent It!

While new research on nutrition seems to come out every day, and low carb diet books top the bestseller lists, many people continue to be overweight. This is because, even if we know what we’re supposed to be eating, there are additional factors that influence how much and what type of food we consume. One of these factors is stress, which is linked to increased emotional eating.

Emotional eating has many causes. The following are some of the main reasons—besides hunger—that stressed people (to) eat: (more…)

Add comment April 10th, 2007

Real Estate Problem: Walang titulo

International Women’s Day

Fake Magazine Cover

Why The Wedding Ring Is Worn On The Fourth Finger…

Happy 23rd Birthday Son

How to Expose Kids to be Environment Conscious

Familyland TV

My Little President

He Is The Answer To My Prayer

Love as Sweet As Chocolates

Who Wants To Be A Millionaire Game

Do not use Xmas

Conquer Cravings!

A Bad Experience May Be Turned Into Something Really Good

All We Have Is Today

Paper Trading - Investing in Stocks Without Real Money

Isang Milyong Aklat, Isang Milyong Pangarap

Learn How To Invest In Stocks Lesson 3

Routine Matters To Kids

Unleash the Highest Potential of Your Money

Stock Buying Game Result June 1, 2007

Learn How To Invest In Stocks Lesson 2

Learn How To Invest In Stocks Lesson 1

The Proper Thawing of Meat and Poultry

My Hands Just Did It

Best and Worst Abdominal Exercises

Lesson 2: Why do we have Dead Skin?

The Only Job That Matters

How To Stop Emotional Eating

What Causes Emotional Eating?

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