spadon

salmonella

Shangrilla (The Lettermen)

Love Potion Number 9

wow

sex

emperatriz

better

tenderloin

inside

beach.

 

 

 

red or blue?

blue

mestiza o morena

The affidavit of self adjudication works similar to an extrajudicial settlement of estate, hence to be similar to an extrajudicial settlement all the legal rudiments of the said documents must also be performed. The affidavit must also be published and will also have to undergo a two year "open claim" period wherein debtors (or heirs) may go after the real property in case the wife left unsettled obligations.

 

So to answer your question, it is not enough that Mr. Santos execute the affidavit, he must publish it, and wait for two years before he can safely dispose it without any problem.

Thanks for the reply, sir pol22366, I have a followup question:

Can Mr Santos do the affidavit of self-adjudication with all the necessary procedures and publication just for this property to be sold to me? I understand, he may have other properties still in the name of both he and his deceased spouse. I am interested in purchasing only one of their properties. Is it necessary for Mr Santos to settle all of the properties first?

It is of concern to me, since extra judicial settlement of all the properties will take time and I am interested only in one property.

Thanks in advance again.

Is it true that SkyCable (Gold or Platinum) will soon have the History Channel in its lineup?

This is one channel I sorely miss in the Skycable Gold. Destiny was able to outdo Sky on this one. The channel is really wonderfully informative, a must have channel for history buffs like me.

Traditionally, companies were headed by CEOs with strong financial academic background and work experience. Today, the trend is to appoint CEOs with impressive marketing trackrecords and well honed marketing expertise.

Question: which would be a more successful CEO - one with a marketing or financial background? Why?

the problem with a lot of companies is that most of the time, they would like to be the over-all leader in all categories. be the ultimate "king". but that goal would require tons of energy, eats a lot of time & consume a lot of resources.

 

you said that bigger guys are after your market. and you mentioned you are the current market leader (commanding a 50% market share). The best thing to do, IMHO, is to reflect: what made you number 1. why half the market place is patronizing your product. recognize that single ,most common "answer" to the mentioned question. Then focus all your resources towards building & strengthening that position. brand management. remember: it is better to be first than to be better. you are first. you have the advantage. but also remember: it is better to be first in the "mind" (of customers) than be first in the marketplace. Thus, the need to strengthen your company/brand image.

 

my 2 cents

Unless I'm mistaken, these concepts are from the classic book of Ries and Trout: Positioning: The Battle For Your Mind. The crucial marketing battles are for the minds of customers.

If I may add to the insights already given to you, don't overlook niche marketing ( as Google posted earlier). Sometimes, there is no sense trying to compete head on with companies with bigger resources than you for the same market. 2009 would be very difficult for all businesses. It doesn't make sense to keep serving an over-saturated market with less opportunities for gains since you would be forced to cut your spreads to remain competitive. Niche marketing will create a new client base. And I think the most important thing of all, keep your customer happy. A happy customer tends to become a loyal customer.

 

Just my two cents.

The aim of marketing is to know and understand the customer so well, the product or service fits him and sells itself.

Peter Drucker

Marketing is essentially a battle to satisfy needs of customers and companies compete to outdo each other in this.

gud pm po! my friend and I are going to venture on a computer parts and sales business po sana. I just want to know what are the things I need together with the pros and cons po. I'm making a business plan about this I just need to get some insights.. salamat po sa mga magrereply...

You would need to estimate the most likely sales volume your business can generate, given your location and traffic (important if you are more on retail), the market you are targetting and the level of competition you will encounter. You will want to know how much initial investment you need to get the business up and running and the cost to run the business (operational costs). Other things you need - determine what kind of organization setup you need (single prop, corp, etc), a marketing plan and a lot of common sense.

There is the classic story about two shoe salesmen.

The first is offered the exclusive opportunity to sell shoes to the inhabitants of a tropical island, none of whom wear shoes. The salesman turned down the offer because, “Those people will never buy my shoes.”

The same offer was made to a second shoe salesman. This time the man’s face lit up. “Wow! What an opportunity!” he exclaimed. “A whole island full of people who don’t have any shoes yet!”

The second salesman became rich because he saw an opportunity and seized it.

Here is a case in point on the relevance of MBAs today...........from the blog of Jo Owens, a management consultant...

As the financial crisis finger-pointing continues, eyes are turning to the business schools. What part did they play in the meltdown? And is now the time to re-think their own assumptions? As Simon Caulkin observes, it’s not just the economics-dominated MBA that’s now seen as unsustainable.

Business schools have become sausage machines — they all preach the same orthodoxies. Years later, greed and groupthink has come back to haunt us.

This is the first global crisis to have been created at leading business schools. Several of the meltdown’s major players, from Merrill Lynch’s Stan O’Neill to Hank Paulson to Andy Hornby of HBOS, are Harvard graduates. Dick Fuld, who ran Lehman Brothers, went to Columbia Business School (perhaps that’s why his bank wasn’t bailed out).

The bankers were advised by the brightest brains at McKinsey and other consulting companies, which are more or less outplacement firms for newly minted MBAs. The brilliant insight of these great brains led all the banks to the same failed strategies which is costing the world a few trillion dollars.

Contrast this with some of the richest entrepreneurs in the world — Mittal, Branson, Abramovich, Gates and Buffet are all MBA-free.

If you’re aiming to be an entrepreneur, an MBA cannot teach you any of the important lessons of success: leadership, the art of the hustle, personal bravery, resilience and risk taking. They cannot teach creativity, daring, inspiration and real insight. They can teach none of the things that matter to a successful entrepreneur.

Doubtless business schools are now writing case studies about the crisis in order to show how regulation failed, individual banks made poor choices and how economic conditions failed everyone. They’d do better to write a case study on how to avoid creating a generation of corporate clones who are imprisoned by greed and orthodox thinking.

Thank you again to Sirs pol22366, bonito99 and azayco for your advice. More power to you sirs. Have a nice day.

You just have your uncle execute deeds of assignment for the respective shares to his intended transferees, if you have the stock certificates, this can be done by filling in the dorsal portion of the certificates. Then you have to look for the corporate secretaries of the respective corporations and request for the annotation of the assignments to their stock and transfer books. If it involves stock certificates, you can also request for the issuance of new stock certificates under the name of the new owners/transferees.

Thank you for your reply.

Would like to clarify the mode of transfer:

1. My uncle signs at the back of the stock certificates to be transferred, naming the new owners/transferees therein

questions: can the transferees be multi and named in an and/or manner, ie Juana Santos and/or Jose Santos?

2. Does signed stock certificate have to be notarized?

3. Bring signed (notarized?) stock certifictaes to the respective corporate secretaries for annotation in the corporation's

books and request for issuance of new certificates

4. Any fees to be paid? How much if any?

Good morning, would like your legal opinion on how best to handle shares of stocks my widower uncle has in his name.

My uncle is is 85 years old, childless and became a widower five years ago. He has substantial shares of stocks of various bluchip companies (PLDT, Ayala, etc). The market value of the shares in this bear market is still over P1M. He wants to transfer ownership of said shares to his surviving brothers and sisters.

How could this be done?

Thanks.

I don't have a platinum subscription but friends in a Makati condo on platinum do complaint about pixelation, particularly noticeable in HD, LCD high resolution TV sets. The digital box (used for platinum reception) it seems is more sensitive and so are the higher resolution TV sets.

Does a board resolution (authorizing sale of real property of a company and designating an officer of the company to sign the deed of sale) have to be notarized? We has a small family corporation and were told we needed this resolution to sell property of the company. Pls advice and thanks a lot.

BPI Special Savings Account offers 3.8% pa net for 30-45 days, 100K minimum placement. Special savings accounts are now all over the place, probably a better alternative to park your funds short-term while waiting for the volatility to pass.

Find some posts here medyo exag nga...specially kung Philippine setting.....my mom got to 6 figures only after becoming an AVP for a bank. My past boss na general manager namin na dating artista na coming from a "rich clan" gets 40-60 then.

 

I know there are exceptions & sometimes swerte na rin and talagang weird and unfair compensation is towards some people....depende lang what you get based on luck, "talent" & how you market/ fight for getting what you feel you deserve. Someone posted na 100k total as marketing manager, di naman annually yan right? then halos walang OT, normal hours...waw....that's freakin' lucky huh?

Salary scales also depend on the industry and the amount of responsibility vested on you. I was getting Php100K/mo as Marketing Manager over ten years ago and retired three years later at Php130K/mo as Sales Director. At that time, my company was at the middle of the industry's pay scale. Other companies were paying similar positions +20-30% more than what I was getting. Our company's car budget at my level was Php600K, while other companies' car budget for similar positions was already Php1M. As Marketing Manager, I was responsible for Php240M in annual sales, as Sales Director I oversaw annual sales of Php1Billion in year 2000. Now, I'm happy at a Php20K/mo salary I pay myself managing my own business with sales of Php12M per annum.

i hope this already takes into account the front or back end fees - sometimes, only the performance of the fund is shown but what they don't tell you is that their fees are not yet imputed in the quoted returns.

Yes, I took note of those "management and administrative fees" and netted these charges out by computing actual returns using NAVpu x units. As you probably know, NAVpu is the sum of the market value of the fund's assets less its liabilities and expenses (including management fees and taxes). You are right, the published fund performance may not reflect net returns after management fees and taxes. Compute actual returns using NAVpu x units held.

Para hindi tayo OT, time deposit rates have not improved despite the highly volatile equity market or have they already?