Summary of Products and Promo Offering Until end of 2017 through 2018

#ChapelMemorialService; #memorialexperts, #HolyGardens, #crematorium,


PAGSASANAY SA TAGUMPAY

SUMMARY OF PROMOS AND SPECIAL OFFERINGS UNTIL END OF 2017  UNTIL 2018

A.  BODY CRYPTS + funeral service

To:    Holy Gardens Pangasinan

        Holy Gardens Greenhills

Thru  GM

Date:  NOVEMBER 5, 2017

Subject:    Bundling  of Body Crypts (Apartments) with our  Funeral Service
                Promo Price

1.  Apartments in Pangasinan are to be available only as packages.   

     Calamba must build another 80 units and  are to be sold only as packages

2.  They are to be sold as leases:  5 year only (for at need)  (For Strict compliance)

3.  For pre need:  5 + 1.   (May extra one year para libre kasi the lease runs on day 1. after fully paid,

 4.  Being at lease, it means that at the end of the  of the lease, the customer has the option to:

      a.  Renew the lease at new price

      b.  Transfer to a new location, say lawn, or GE (kaya dapat interim lang ang gamit.  Ooferan ng ibang product while the lease is in force, or immediately upon the signing of lease agreement

5.  Prices:

                           At Need                            Pre Need

A                         9,000                                  7,500

B                       13 999                                 11,000

C                      11,999                                  9,500

D                        8,999                                   7,000

6.     Bundling

                       Pre Need                   Total Amount                     MA

A        Lease  +   Daffodil        7,500 + 20,000 =   27,500            572. 95

B     Lease +  White Rose     11,000 + 30,000  =   41,000           854.20

C  .     Lease +  White  Rose     9,500  + 30,000 = 39,500          823.00

D.       Lease  + Daffodil            7,000 + 20,000  =  27,000         562.50

Provided:

If bought in cash:    beyond 90 days the price shall still be pre need;, for installment,beyond  180 days, pre need ang price if paid in full (even for upgrading)

B.    ZERO INTEREST FOR SPECIAL PLOTS IS ONLY UNTIL DECEMBER  DECEMBER 2017 ONLY;   CHEAP P23,000 and P26,000  AT NEED INTERMENT SERVICE IS UNTIL DECEMBER 2017  ONLY

To:     Sales Administration

Thru:    GM

cc:      RCRMA

Subject:   Termination of  Certain Special Offers

1.  The Zero Interest Offers of Calapan, La Union, Malasiqui and Calamba

     They are good only until December 31, 2017.   When the offer is ended, that is it. 

    The difference between zero (0) interest and  with interest is 25%.  Sayang kung di matatake advantage ng customers.

       For example; 

       TLP                 Monthly                Total Payments
                              0 interest                                           

       30,000               500.00                    P30,000

       30,000               625.00                      37,500                             
     

     WE SAY WHAT WE MEAN, AND WE MEAN WHAT WE SAY

     Take hard and extra efforts to inform your customers, prospects and sellers

     With regards to the FLASH PROMO of 15% discount, it was  a big disappointment of execution. We should have focused on that to generate colleciton to the exclusion of others.  So we got measly 4% achievement of target, no incentives for 3f and for SBU.

    And then we had appeals for extension well beyond the deadline.  Ang  promo was for  November 1, 8 to 4 pm. Kaya nga flash promo.

2.  PIS offers

      The PIS offer of P12.3 ends in November 2017. Thereafter only P14,990 interments at need are available

      The Interment Service is likewise increased beginning December  1, 2017

Details of increase in expenditures will have to be made between now and November 29 by SAA and VM

                      New Price (At Need            Former Price             PIS in combination*

 De luxe         28,750                                 23,000                        P23,000

Luxury           32,500                                  26,000                          26,000

The pre need price, which can be bought in installment, is available only for the:

      1.  For those who have previously bought plots from us.  (You must enclose PPA to support such sales.  Hindi puwede iyong mga palusot, na ginawa ng MT)

      2. Or in combination with our special price plots, current sales.  THEY CANT BE BOUGHT AS STAND ALONE.  

     SAYANG ANG P4,000 PRICE DIFFERENTIAL.  Ipag ingay, i text blast natin. i soc media

      The SAA must not entertain any request for extension.  Listen and implement our announcements

     NB:   Any changes in sales policies are always done in writing.  NO VERBAL CONVERSATIONS ON SALES POLICIES ARE BINDING:  the proposal and the enabling memos are to be in writing

--

PAGSASANAY SA TAGUMPAY (Training for Success)

SETTING THE STANDARDS IN INTERMENT SERVICE

Innovation creates more wealth and more customers

New and more attractive caskets from JFlores Casket

#ChapelMemorialService; #memorialexperts, #HolyGardens, #crematorium,

We recently contacted JFlores Caskets who supplied us with more attractive, better finished caskets.  We intend to beef up our chapel memorial services with this acquisition

Senior Full Cap-M

Senior Full Cap-M

Janggo Standard Flexi-M

Standard Flexi Body Stainless-M

Standard Face to Face-M

Senior Flexi-M

Senior Flexi-M

Free Infant Casket

Junior Flex-M

Junior Flexi-M

Junior Full Cap-M

Junior Full Cap-M

Senior Tapiada-W

OMB Full Cap-W

OMB Full Cap-W

                                     Ang gaganda very competitive ang mga caskets, product of fine
                                     workmanship

More than ever, we are emboldened to be a one stop shop for memorial services:   offering plots, (or body crypts) interment service and funeral (chapel) services -  all under one roof.  and that could be cheaper.  For small amount mothly:  what you pay for the plots before under the 20% dp with interest on the balance could be enough to get you plot, interment service, and funeral service.  The caskets are quality caskets a-  beautiful and finely crafted

Estate Planning Guide

#ChapelMemorialService; #memorialexperts, #HolyGardens, #crematorium,


Rizal Philippines
September 28, 2017



Rizal Philippines
September 28, 2017

Dear Customer

THANK YOU AND CONGRATULATIONS

Thank you for purchasing a Holy Gardens Group Memorial Product (Plots, Plan, Interment Service) . You just have completed an important strategy in the preservation of your assets (estate) for the next generation.  By buying the products and services needed for your memorialization, you  have assured that the assets you leave for you heirs will not be diminished. You have also diminished their head aches and difficulties that accompany the loss of a loved one

You studied, had a family, worked hard to provide for your family. You accumulated assets so that later on you will leave your children and heirs with an estate (wealth) with financial asset so that they will not experience any difficulty and have a good life when you depart for good.

NO NEED TO LEAVE A LEGACY OF PROBLEMS AND HEADACHES

But what if there are accidents or the unexpected happen?   Instead of leaving our families with financial security and peace of mind, we leave them with heart aches(with our demise) and head aches (with the debts, and legal and tax arrangement to put our assets in order

What happens upon death?   Even our little money in the bank cant be withdrawn.  they can be upon payment of estate tax.   If our family does not have cash, they will not even have cash to pay for the food during the wake, nor pay for the funeral service, interment service, and the plots

MOST, MAJORITY OF FAMILIES DO NOT KNOW, or are ill prepared to handle this event.

ESTATE PLANNING

Thus we are furnishing you tips and other advise on estate planning.

What is your estate?

   Your estate is  the sum total of your valuable earthly possession:  cash, receivables, investment (shares of stocks, club shares,  business, real properties (house lots,)  and personal properties  (jewelry,  shoes, bags, clothes) which  can passed on to heirs

What is estate planning?   

To be very blunt about it, estate planning is preparing for our death.  It means making sure our assets are organized, and the arrangements are clear and in place upon our death; that the estate is preserved (rather than consumed by taxes and penalties) and  escheat (the govt taking ownership of your estate)

STEPS AND STRATEGIES IN ESTATE PLANNING

Prior to any strategy  or plan of preserving your estate, you have to organize your records and documents:

1.  Your personal records:

     Name______________________ Address ___________________

     Birth date__________________   Birthplace ________________

     TIN  #______________________SSS/GSIS number ____________

      Philhealth No ______________  HDMF #____________________

2.  List of professionals who handle your estate:

                       Name                       Address                   Phone Number

   Lawyer  _________________      __________________     ______________

   Accountant_____________      __________________     ______________

  Insurance Agent  _________     __________________    _____________

3.   Bank  Accounts

      Bank/Branch             Account type             Account Number

___________________     _________________         __________________

___________________     _________________         ___________________

4. Insurance

    Company                Type           Amount               Policy Number

_________________      __________    _____________    ____________

_________________      _________      _____________    ____________

_________________      _________     ______________    ____________

5. Real Property

    TCT Number           Location              Area         Est. Market Value

   ____________           _________        _________         _______________

  ____________            _________        __________       ________________

 ____________             _________        __________       ________________

6. Shares  of  Stocks

      Company           Number         Market Value (from PSE) as of

_______________      ___________     ________________

_______________      ___________     ________________

6. Motor Vehilces

    Type      Model   Year     CR Number     Lto Branch    Estd.Worth

_______     _____________    __________        ___________   ________

_______     ____________     ___________       ___________   ________

7. Debts and Liabilities

   Bank  Lender      Amount    Date Incurred     Status(Current/Arrears

______________     __________   ____________      ___________________

______________     __________   ____________      ___________________

8. SALN (Statement Assets and Liabilities)   As of  ______________

    Cash   Other  Near  Cash                 Php _____________________

    Receivables                                       Php  _____________________

    Real Property                       Est          Php  _____________________

    Shares of Stocks                  Est          Php   _____________________

    Motor Vehicles                     Est         Php  ______________________

   Other Personal Properties     Est        Php  ______________________

                                TOTAL  ASSETS   Php  _________________________

               LIABILITIES AND NETWORTH

               Liabilities

  Bank Loans                                      Php   _______________________

  Trade and other indebtedness     Php   _______________________

             Networth

      (Total Assets- Liabilities)              Php   _________________________

                                  TOTAL               Php   _________________________

_______________________________________________________________

 From BIR

A. Objectives:

The objective of your estate planning strategies are:

1. To give  ease and  convenience to your loved ones to use the assets you earned and saved for them upon your demise.

2. To save on the payment of estate tax which could be 20% of the total market value (zonal valuation of your property);  and the transfer  tax: 0,75%  of  1%, doc sci-  1.5% of zonal valuation

Some strategies: (from  Estate Planning 101)

1.  Donation

     You can donate in bulk or over a period of time to your heirs.It is zero rated for cash if the amount is P100,000 or less.Donors tax is 12% which is  8% lower than 20%

   You can do a simulated sale to your children or other heirs to save further and you only pay 6% CGT + 1.5% doc sci stamps based on zonal valuation +  0,.75%  of 1% of  Land Transfer Tax or about  8.25% or 3.75% cheaper than donors tax.

   However, if your heirs die ahead of you,you will still pay the estate tax.

2.  Executing a last will and testament

  The principal specifies the assets to specific heirs,thus lessening the squabbles and quarrels among heirs (as in the  case of self adjudication). A probate court or an administrator is appointed to  preserve the assets (as in the  case of rental properties, where rents are collected and deposited in an account,  repairs  are made employees are  paid their wages). However there is no savings in payment of estate tax. 

3.  Transferring the real properties in the name of corporation

    The principal and the heirs to be establishes a real estate company where assets are exchanged for shares of stock A BIR approval is needed for tax free transaction (which takes time)  However. this strategy costs only 8.25% of zonal valuation,11.75% less than estate tax, and 3.25% less than a donation. Xosts the same as a  simulated sale  

4.  Executing a living trust

    This is a little bit complicated and requires the services of an established law firm,(or non bank trust) or bank trust.  A fee is charged by either a lawyer or the bank's trust department (between  3 to 5%)

   Here a living trust document is executed by the Trustor (the principal) through a Trustee (the law firm or the bank) in favor the beneficiary  (the heir).

    A portion of the estate is sliced off, and sold to the trust which executes the will. 

  The principal who is still alive wills the said property to the beneficiary (the name of the asset may be transferred in favor of the beneficiary (to save on taxes) or not (this latter tactic is safe for the Trustor)  While  the property or asset has been willed unto the heir, the actual control and enjoyment of  the fruits of the assets (as dividends and rental) remain with the Trustor

Nathaniel Crematorium in Binan City, Laguna

#ChapelMemorialService; #memorialexperts, #HolyGardens, #crematorium


Rizal Philippines
January 31, 2017

Nathaniel is owned by New Life Techwin the supplier of  Serenity cremation machines.  It is diesel fed, has two burners, and  only i hour cremation time.   It advanced and more economical to run than the US LPG fed cremation machine.  It costs about P2,000 in terms of diesel fuel to finish one body, and 8 bodies cremated in one 8 hour shift vs to only 4 of US LPG machine

Their other crematorium are in San Pedro Laguna, (poor performing,), La Loma and Malabon which are doing well.  They are simply waiting for at need, and do not sell packages

Yesterday, in the absence of a driver, I went to Binan Laguna to see the blessing and inauguration of the St. Nathaniel Crematorium owned by Mr. Joshua Kim of New Life Techwin.  My objective was to:  1.  Assist them improve their business (as if our business is flourishing)    2.  To learn from the operations,   3.   Have joint of business of promoting the memorial plan company and cremation package.   Although I left 7 am from Angono, I arrived at 11 am at Binan, all ready late for the 11 o clock opening

St Nathaniel Crematorium of Techwin

I was met by their driver Tony who is from Cabuyao at the Olivarez complex.   And these were the things I found out:

1.  The crematorium is a joint venture between Techwin and the city of Binan.  They have a 70:30 sharing.   Binan leases out the land, Mr. Joshua puts up the building and the machine.

2.  The facilities are  located in the city cemetery which is about 10 hectares and fully occupied.   The city removed the other structures and housed the remains in 8 level body crypts.  The cemetery is located next to a memorial park which has a common row abutting the Manabat St.

3.  The cremation fees range from from P13,000 to indigent residents of Binan to P20,000 to non residents  Bone cremation is one half of that of regular body cremation.  I suggested that the company sell packages.

4.  Their crematorium is simply constructed, low slung, with Porte Cortero in front, about 50 sm customers area.   Even the crematorium area is low ceilinged.  The crematorium is lined parallel to the street. It has no industrial equipment like blowers and steel doors.  The exit at the back though is 3 x 2 sliding door for ventilation

                                 Mr Joshua and execs of Forest Lake Chapels

                                             The door to the crematorium

                                       The SerenityTechwin cremation machine

                                      /The customer waiting area

                                     Flower wreaths are the only ones that mark the inauguration
                                         no tarps or banners

                                  The view of Binan cemetery from the crematorium

A new way of experiencing chapel memorial service - prepaid and at need life plans

#ChapelMemorialService; #memorialexperts, #HolyGardens, #crematorium, #funeral services

Rizal Philippines

September 16, 2016

The following are the proposed Vision and Mission statements for both the Holy Gardens Plan and Chapel and Memorial Services:

1.  Vision:     To provide affordable memorial plans to one out of every 5 homes in the country.

                    "Every Juan (one) must have a memorial plan

2.  Mission:

    1. To provide unique and unforgettable memorialization services

    2.  To provide affordable memorial services to every one (with the P30t and P35t packages) B and C market

    3.  To assist the indigent in their memorial needs through free infant caskets, 15 to 20t services and help desk contributions from the Memorial Park, Chapel and Memorial services.

   The HGMP Interment service, Chapel Memorial Service and Memorial Plans are tasked with making regular quarterly contribution of 3% of their gross profit to Help Desk (to help those are indigents)

    4.  To create jobs and employment

3,  Beliefs:

     1,  Customer service - to give the best customer service that there is.  To discover latest new ways of serving the memorial needs of customers and to be better than the competitors

     2. Excellence -  to avoid errors, and give world class service to customers;  to keep all equipment in A1 conditions and carry out processes 100%

    3.  Shared learning -  to learn one new thing a day in the job, from books, internet, and from the industry

4. Principles:

    1.  To give intelligent and capable direction in the management of the business

    2.  To be effective and efficient in the management of company resources and facilities

    3.  To recognize the impact of corporate activities in the community and participate in events, disaster, education and environment.

    4. To help generate jobs and employment

    5.  To grow and create more wealth for stakeholderr

3.  Strategic Objectives:

   1.  To reach P500.00 million plans in force in 3 years time, P1.00 billion in 5 years time

   2.  To be in 10 major cities/areas and highly populated areas in the next 5 years:

        1.  San Fernando La Union (and Bauang, Agoo area)

        2.  San Carlos City (Calasiao, Dagupan, Malasiqui, Sta Barbara)

        3.  Calamba, Sta Rosa, Los Banos, Sto Tomas Batangas

        4.  Calapan City

        5.   Oton (Iloilo City) Arevalo, Villa, Molo

        6.  Imus, Silang Dasmarinas Area

        7.  San Pablo, Sta Cruz, Pagsanjan

        8,  Cainta, Angono, Binangonan Taytay Area

        9.  Tarlac

       10.  Pampanga

       11.   Bicutan, Taguig, Pasig, Pateros Area

   3. To be no #2 Memorial Plan in the country

Strategies:  ( for Memorial Plan)

1.  Utilize the current resources of HGMP; to piggy back for admin, finance, hr requirements

2.  Sell to current HGMP customers utilizing  CSS and Sales executives, offer regular commission to SE and 15% of collection on the first year to all Holy Gardens Staff  (note the strategy of Philplans to tie up with Heritage and utilize to the hilt their advantages; tying up PAMANA  with HERITAGE

3. Organize MP sales force;   Organize separate sales force for Destiny Planners starting with Pangasinan and Calamba/Sto Tomas/Los Banos Area

4.  Enter into non Holy Gardens Memorial Park through mortuary servicing agreement with generous and prompt  payment option.  A royalty of 1 to 5 years could be offered between 1-3% of net price to whoever can close (Plan will pay) for the next 3 years.

Just recently:

5.  To tie up with Holy Gardens Memorial Park to cover Angono, Binangonan, Taytay, Cainta, Pasig, Marikina, Antipolo Area.  Their vision is to expand memorial chapels and crematorium by 3 in Antipolo, Batangas, and Polomolok.   This is  wide market with maybe two million potential buyers (population)   At death rate of 0.05% this will be about 10,000 a year potential buyers

6. To collaborate with  owner of about 4 crematorium in Binan, La Loma, Caloocan, Navotas area, and JV with others and lease purchase agreement.   The Binan La Loma, Caloocan and Navotas area would have about 3 million population.  We can offer cremation packages with Ash Crypts.  We can help the owner of the cremation expand his business and be a force to reckon with in the memorialization business

  A great new way to plan for LIFE

1.  Use of on line platform:

       Purchase on line;
       Inquiry on line
       Call center for inquiry and transactions
       Many funeral counselors to advise customer

2.   Align new customer experience with Holy Gardens interment:

      Free obit
      themes
      tribute
      balloon tribute
      memory board
      memory display
      themes (motifs)

3.  Come ons like expensive top of the line casket
   



Advantages for the Holy Gardens (Destiny Life Plan:)  (for customers

1.  Being offered jointly with Holy Gardens Group, a group which has been in memorial business for the last 33 years;

2.  With solid assets and record of customer service and memorial service;

3.  With own mortuary with complete services.

4.  Offers complete services:   interment, cremation, and chapel memorial service.

5.  With credit life insurance to pay for the balance and return principal paid in case of death after contestable period and for qualified buyers.

6.  Upon approval of IC with return of payments for certain packages; but to be re positioned as new plan for beneficiary, instead of ROP