Reviving My Non-Life Insurance Business

In 2000 got my non-life insurance license when I was enjoined by some friends to try it, attended a full course in General Non-Life Insurance with a grade that did not require me to take the regular examination from the Insurance Commission. After a few months, the company, Country Bankers Insurance Corporation, through some boss asked me to give a report on how much income I was able to generate for the company. Even I was surprised after final auditing that it has reached plus or minus a million pesos at the time. I was lucky then an overseas employment company got all their repatriation insurances for their OFWs from me, aside from many other non-life insurance businesses.

    

Tried my luck in another field, real estate because heard agents make good money in selling properties so I applied and was accepted and from a short stint in a company, applied again to another. Through trial and error with no mentor, I learned the ropes of the trade.

Then a friend mentioned of a real estate seminar in Makati and suggested that I try it just to learn more. For only about P5,000 or so for a price, tried the course, attended several sessions not knowing that on the following Sunday there will be an exam! An exam? My seminar classmates were talking of an exam and had no idea what this exam was all about. Learned that it was a DTI exam for some licensure or something. Geesh, and to think there were days I was absent from the seminar and there will be an exam! I was very sure I would fail but as a "practice" for when I take my real exam when I'm ready next time, crammed for the remaining 3-4 days, took that Sunday exam and forgot all about it. But lo and behold, after a few months or so, got a letter from the mail saying that I passed the exam, couldn't believe it! From then on, I became a "Real Estate Broker" and availed of the "grandfather clause" to become PRC-licensed. 

From time to time though, there was a need for non-life insurance and renewals from old clients. Continued to renew sucn non-life insurance license and pay PTR every year since I got that license and paid the heftiest penalty for the years PTRs were not paid. Then just offered surety bonds to friends.

At this point, the requests for surety bonds for licensed brokers and appraisers increased, and so were other calls on other non-life insurance requirements. Today I decided to revive this business, maybe put more attention to it, after all I have every right to sell it with my license.

Lost some interest on this biz for a while, but now incorporating it with my real estate business and letting my friends know.  It's good to be busy with business again after being burned out with cramming on a different field -- Environmental Planning. For 2 weeks, managed to squeeze in information needed to pass that exam. Lost momentum in business, and only these past days getting the inspiration to keep going with business again. Yeah, I think I got back my mojo.

Photos credit to owners -- CTTO

NEW INVENTORIES FOR SALE

New inventories for sale properties keep coming in giving  me authorities to sell or lease in my inbox. If you are looking for anything for sale or for lease, just let me know I might just have it. All I have to do is search in mails.

LOCATIONS AVAILABLE:

Residential, commercial, offices

• Makati City
• Ortigas 
• Bonifacio Global City
• Paranaque
• Muntinlupa City

Pre-selling, ready for occupancy

The Residences At Greenbelt

Too Much In 3 Weeks, Back to Momentum, Back To Work

THIS EXAM FOR ENVIRONMENTAL PLANNERS - THE LAST FOR NON-GRADUATES

For a while, though I have been attending to properties viewing requests, being a Real Estate Broker, doing existing client errands, answering inquiries on properties, attending to my cleaning services business (Clean Homes), meetings with my professional association group (PAREB), and attending to family matters and church duties, my mind was preoccupied with many other urgent concerns because this year 2019 will be the last exam for non-Environmental Planner graduates. Fast forward, during this last 2 weeks,  tried to focus and did some readings, focused on RA 7160 a.k.a. The Local Government Code for a while, which because of its length, wasn't able to finish, read the first half of many other Philippine laws, and on the eve of the exam tried to answer some mock exams that I only slept for about 3 hours and compensated with vitamins and Lipovitan during the first of the 2-day exam. The books I bought are yet to be read cover to cover, paid a hefty sum and only scanned them. This is really cramming to the max.

It was a 2-day exam and on the day itself planned to answer within the allotted time, so what I did not know I would skip and encircled the number for me to go back to. What the heck, it was already No. 100 of 200 items and only about 2 or 3 sure answers. I haven't encountered the questions in my life! When I reached the 200th and last question, it was still all circles on numbers, now maybe I have 5 sure answers, and tried to be strong, and asked God for help. Then I came back to No. 1 and did the eliminations technique, looked for keywords, trusted my instincts and shaded the answer that seemed to be the correct one. I was still on the first page and the guy in front of me already passed his paper! This time around though as I went back to the questions and getting the keywords, the questions seemed easier than when I did  the first scan. But because of lack of sleep had some microsleeps all throughout the exam. Maybe I was the only one who ever slept on a Board exam! I was really very sleepy! (When I checked my score later on, online, found that this was my highest score! Unbelievable!)

When I got home after the first day of this EnP Board exam, did a little reading and slept early because my body was craving for sleep. Come second day for 2 more subjects, it was the same, majority of the questions I never encountered during the review, and in my life! I was prepared to do the computations (beginning to like Math that I hated in school)  but there was none! Then the microsleeps again! Couldn't help it, maybe because the questions were so unfamiliar, they looked jargon to me. And most, except for maybe 10 items, were purely common sense and answered by elimination process. My sure correct items were from stock knowledge and about 5 items from my readings. During the 2-day exam, I reviewed my answers twice and changed some answers, maximized my time and one hour before allotted time. Come last subject, noticed that I was the only one still answering, my roommates have gone out!   I could have stayed longer, but the proctors seem to want to go home already so maybe I skipped reviewing my last 20 answers. If one is from the LGU, the second day will be a breeze because they are already doing the processes working in the government and the questions were mostly on those government processes.

After the 2-day exam, got too tired from 2 weeks of cramming, this is the hardest board exam ever, I could have actually skipped the review for only 5 items (yes, 5 items)  appeared from what I read! However, in those 2 weeks that I really reviewed I have come to love the discipline of Environmental Planning, appreciated the concepts, learned about the great men and women of history. And after the exam, I felt I needed some rest. 

Only because I prayed so hard that I passed this Environmental Planning Exam and happy that my score is NOT "pasang-awa", when I checked later on. I almost cried when I saw my name on the list of passers, but already expected it. (I prayed already, so I know I will pass. If I doubted even a little, I have no faith.)  Only a little over 40% passed the exam. Complete list of June 5 & 6 2019 passers HERE.

AFTER THE GOOD NEWS, THE BAD HAPPENS

And barely rested here comes the call of duty by my association... and not so good... And again I prayed... At this age and time, I already have come to terms with my faith and in my God. 

Too tired from the review, too tired from the association. I needed some rest... I did not want to talk to anybody outside of my family circle, did not feel the motivation to go out... some people took perceived "power" of becoming officers into their heads and abused.

I was depressed for a while... some "power trippers" really enjoy humiliating others to the point of trying to break them... It only took for my friend to reserve a unit at Wil Tower Mall to perk me up again.  Now I think I can work again. 

RESA - IRR

IMPLEMENTING RULES AND REGULATIONS (IRR)
OF 

REAL ESTATE SERVICE ACT OF THE PHILIPPINES 

(Republic Act 9646)

Powerpoint presentation of Vinia Lapuz on IRR of RA 9646

For Sale: Michelangelo in Presidio Lakefront

UPDATE on Listing: Seller pulled out property off the market

FOR SALE IN PRESIDIO LAKEFRONT

Sucat, Muntinlupa City

Lakefront is an exclusive 60-hectare masterplanned mixed-use development built right beside Laguna de Bay in Sucat, Muntinlupa City and here is where Presidio is located, a low rise condominium complex.

Presidio is synonymous with the city-resort lifestyle that combines home accessibility and exclusivity set on a quiet and secluded, amenity-filled community in Lakefront. These victorian-inspired, multi-level structures, named after world-renowned artists, had been planned around a roomy, pavilion-style, two-level Clubhouse that features a free-form swimming pool with a lush, landscaped garden planted with tropical palm trees. The development plan adopts this circular web-like layout with the open, sprawling pavilion in the middle, emanating a relaxed, airy mood that transcends into each residential tower — like a world-class tropical resort.

Comprising of sixteen (16) Neo-Victorian inspired towers designed by renowned architects Recio + Casas, Presidio at Brittany Bay aims to reinvent contemporary urban living. This master-planned vertical community of low and mid-rise condominiums in Muntinlupa City offers efficiently cut and affordable units which are ideal for residents who want a spacious home that offers the best value for money.

As an added convenience for residents are the shopping and dining establishments which occupy 60% of the entire complex. Apart from these premium boutiques and bistros in the town center, Presidio at Brittany Bay delivers top-notch recreational facilities which include a clubhouse social hall, a swimming pool, sports center, day care center, game room, fitness gym, children's playground, landscaped parks, a courtyard, and a jogging path.

Situated  between Taguig and Sucat, Presidio at Brittany Bay is just five minutes from Alabang, 15 minutes from the airport, and 20 minutes from the Bonifacio Global City (BGC) and the Makati Central Business District (CBD).

MAPClick HERE for map:

FOR SALE IN MICHEANGELO BUILDING

For those who one to own a Philippine property to go home to when they visit the country enjoying this resort feel everytime, this is a good investment. One can have this rented out at times when not in use.  Foreigners are allowed ownership in this community, as in other properties with Condominium Certificate of Title (CCT) as proof of ownership.

Here is a beautiful 1 Bedroom unit in Presidio At Lakefront

Michelangelo Building

Floor Area: 38.29 sq.m. or 412 sq. ft.

Furnished

Clean title 

Non-Filipinos or foreigners can buy

Good as investment for rental income or for own use

Price: Php3,200,000.00  Currency Converter Click HERE 

For more information on the property and to schedule property viewing, please contact us by filling up Form on the right side or sending Viber/ WhatsApp/ SMS at +63.915.6978008

Here are some pictures of the unit for sale in Presidio At Lakefront:

Price: Php3,200,000.00  Currency Converter Click HERE 

For more information on the property and to schedule property viewing, please contact us by filling up Form on the right side or sending Viber/ WhatsApp/ SMS at +63.915.6978008

Emergency Hotlines

EMERGENCY HOTLINES

Here are Emergency Hotlines for important government agencies in Metro Manila. Feel free to refer to them as need arises.

On May 25, 2018, President Rodrigo Duterte has institutionalized  911 as the nationwide emergency hotline. The President signed Executive Order No. 56 making 911 as the nationwide emergency hotline, replacing PATROL 117.

The order stated that Emergency 911 would place the Emergency 911 National Hotline Public Safety Answering Center (National Call Center) under the direction and control of the Department of the Interior and Local Government (DILG).

“The local government units (LGUs) are enjoined to establish and run local 911 call centers within their area of jurisdiction using their own funds. These local 911 call centers shall however, be under the supervision of the National Call Center,” the order stated.

The primary responders would be the Bureau of Fire Protection (BFP) and the Philippine National Police (PNP).

The BFP would be the lead agency in conducting fire suppression operations and providing the public with emergency medical services, hazardous materials protection, and technical search and rescue services while the PNP would be the lead agency in providing police assistance in relation to public safety and crime prevention.

Other responders include Department of Public Works and Highways, Department of Health, Department of Transportation, Armed Forces of the Philippines, National Bureau of Investigation, Bureau of Immigration, Philippine Coast Guard, Philippine Drug Enforcement Agency, Metropolitan Manila Development Authority, LGUs, and other non-government organizations, hospitals, and medical institutions.

The order also stated that Emergency Commission “shall ensure that all calls made to the Emergency 911 Hotline shall be free of charge and other fees.

The Emergency 911 Commission will have the interior Secretary as the chairperson with the DICT Secretary as vice chairperson.  

Source: Inquirer.net

Furnished Studio For Sale in Crown Tower University Belt

NOW FOR SALE IN CROWN TOWER UNIVERSITY BELT, CTUB
Sampaloc, City of Manila

Here is one of the best units available in Crown Tower University Belt, or CTUB for short. CTUB is a high-rise condominium by Vista Residences located in G. Tolentino St., Sampaloc, Manila a few meters from University of Sto. Tomas (UST). 

This particular unit is located on the 7th floor and among limited edition units with balcony. It is fully fitted, equipped and interior designed with the following items found or already installed in the unit:

• Single bed with mattress 
• Flat screen TV
• Cable and internet
• Refrigerator 
• Stove
• Automatic Washing Machine
• 2-Seater Dining Set
• Hot water in shower
• Extra mattress for visitor
• Lighting fixtures
• Cooking wares and cutlery 

 PRICE: Php3,200,000 only from P3,500,000 because of the pandemic. Email everra@gmail.com or SMS / Viber / WhatsApp us at +63.915.6978008

Here is the Facebook link to the property:

https://www.facebook.com/794030950692039/posts/1947458945349228/
During its pre-selling stage, this is the artist perspective of the facade.

ABOUT CROWN TOWER UNIVERSITY BELT

Artist perspective of Crown Tower University Belt

Centrally located, walking distance to major universities. Perfect for students and professionals in Manila.

Just a few minutes' walk to the University of Sto. Tomas and other universities and colleges in the University Belt, CTUB is just a walk away from historic Quiapo Church, Professional Regulatory Commission (PRC), government offices and other private institutions. CTUB is only a few minutes away from malls such as SM Manila, SM San Lazaro, SM Sta. Mesa, Gotesco, Isetann, Tutuban Center, 168 & 199 Mall, 1 & 2 and bus stations.

CTUB is located at the university belt and just a few minutes away from various review  centers, hospitals and private institutions.

The unit for sale floor plan

The reception / lobby

SOME PICTURES OF THE UNIT

Furniture already found inside the unit are already included in the sale. 

For viewing schedule, please email everra@gmail.com or SMS/ WhatsApp +63.915.6978008 with subject of your inquiry so as not to  categorize as spam.