Tuesday, March 5, 2013

20 Tips - How To Top The 2013 Real Estate Brokers’ Licensure Exam


  1. Ask guidance from God. Have good intentions and pray always. When you are at peace and confident, I truly believe you will perform better.
  2. Follow PRC’s general instructions as written on the Program for the 2013 Real Estate Brokers Licensure Exam, which I have quoted below:
    General Instructions
    1. Your school/building assignment will be posted at the PRC premises two to three working days before the examination. Bring your NOTICE OF ADMISSION when you verify your School / building assignment. Visit your school/building assignment prior to the day of the examination.
    2. Report to the schoollbuilding assignment before 6:30 a.m. on the first day of examination to verify your room and seat number. Be punctual, late examinees will not be admitted. Examination Fee of ABSENT examinees will be forfeited.
    3. Examinees are required to wear the following attire every examination day:
    Male Examinees – White polo shirts or t-shirts with collar, tucked-in
    Female Examinees-White blouses or t-shirts with collar
    4. Bring the following on examination day:
    a. Notice of Admission
    b. Official Receipt
    c. One (1) piece metered-stamped Window Mailing Envelope
    d. Two or more pencils (No.2)
    e. Ballpen with BLACK INK ONLY
    f. One (1) piece Long Brown Envelope
    g. One (1) piece Long Transparent (non-colored) Plastic Envelope (for keeping your valuables and other allowed items)
    5. The following are PROHIBITED inside the examination premises/rooms.
    a. PROGRAMMABLE CALCULATORS (click here for PRC’s list of allowable calculators)
    b. CELLULAR PHONES, beepers, portable computers or similar gadgets/devices.
    c. Bags of any kinds (ladies bag and shoulder bags, attache case, backpacks, etc.)
    d. Other examination aides not stated on this program.
    NOTE: PRC WILL NOT BE RESPONSIBLE FOR PROHIBITED ITEMS THAT WILL BE LOST.
    6. Read carefully and follow the instructions on your Notice of Admission and Examinees Kit.
  3. Aim for the top! Have confidence!
  4. Know the exam coverage, subjects, level of difficulty. Please see below the exam coverage as written in the program, where I also added links to recommended reading:

    Coverage of Examination

    General/Fundamentals (25%); 8am to 10 am
    *Take note that as you have limited time, be conscious of the number of questions per subject and budget your study time accordingly. You cannot read everything that comes your way as you will only get confused. As the exam date draws near, so many “tips” will come out and you will be tempted to photocopy all of them but you will end up not being able to read any. Select what you will read carefully.
    Special and Technical Knowledge (25%); 11am to 1pm
    Professional Practice (50%); 2 to 6 pm
    For various laws and issuances, you may also check the HLURB website.
    Note that the PRC and the Professional Regulatory Board of Real Estate Service (PRB-RES) previously issued a Resolution which states the Table of Specifications which provides a breakdown of the number of questions per subject. Click here to access the said Table.
  5. Focus on the subjects which carry greater weight, and also on those you are not very good at. Please refer to the table below which is also from PRC’s exam program:
    DATE AND TIME: SUNDAY, MARCH 17, 2013
    SUBJECTS
    WEIGHT
    7:00 A.M. – 7:45 A.M.GENERAL INSTRUCTIONS AND FILLING UP OF FORMS
    8:00 A.M. – 10:00 A.M.GENERAL/FUNDAMENTALS
    25%
    11:00 A.M – 1:00 P.M.SPECIAL AND TECHNICAL KNOWLEDGE
    25%
    2:00 P.M. – 6:00 P.M.PROFESSIONAL PRACTICE
    50%
    100%
  6. Have a good outline of topics to study based on the Program released by the PRC.
  7. Pace yourself. It would be good to follow a calendar with the subjects you need to study for each day so you can be sure that you are able to read all topics at least thrice. (I got this style from the bar review at Ateneo Law School.)
  8. Read the laws and regulations in their original form (full text). Make and study your own reviewers many times. If you are going to top the exam, you must know something that others do not. If you read the original, you will know some ideas which were not included in the reviewers, which most examinees rely on exclusively.
  9. Practice answering sample real estate brokers exam questions. We suggest that you compile sample questions and then take a “practice exam” without looking at any of your notes, AFTER you have reviewed, to help you know what to expect, and also to gauge your preparedness for the exam. CPA exam takers call this the “pre-board exam” while bar examinees call this the “mock bar exam”. This helps take away some of the jitters. If you perform well, then you are ready. If your performance is in the average level, then double or triple your efforts.
  10. Practice answering problems and time yourself while doing so. Strive to answer as fast (yet still as carefully) as you can.
  11. This might come a bit late but you should have enrolled in a good review school, where the teachers are knowledgeable about real estate, and Do not hesitate to ask questions. (In case you want to know, my husband and I are products of Engr. Enrico Cruz’s Urban Institute).
  12. Visit the exam room days before the exam. Check where the comfort room is located as well as the fire exits.
  13. If you will be commuting, know the route and which vehicles to ride. If you will bring a car, know where the parking area is.
  14. If you can, stay overnight at a place near the venue so you can walk and have no problem with traffic, much better (though you may have trouble sleeping if you are not used to the bed).
  15. Prepare all the stuff you need early, like your exam documents, sharpened pencils, calculator (make sure you understand how to use it!), food and drinks (do not bring food that can cause stomachaches or farting!), clothes and sweater, etc. the day before the exam.
  16. Have a good sleep the night before the exam. If you don’t have enough sleep, you will be sleepy during the exam. [True story: A friend of mine couldn’t sleep the night before our first bar exam day, so she slept during the exam (!). Don't worry, she passed.]
  17. Wake up early and pray for guidance. A little bit of exercise would help “wake up” your muscles and brain.
  18. Take a bath :-) and eat a good breakfast. Never take a test on an empty stomach – you will be thinking of food instead of the right answer.
  19. Arrive early at the test site. Have a big “allowance” for traffic. You will be so much more relaxed if you are just waiting for the test to begin at the exam room, compared to when you are running around like a headless chicken and thinking that you might not make it on time.
  20. If you are guessing, choose the one that is not like the others, the one “sticking out” so to speak. Take note of the words “always”, “never”, or “except” – they can give you clues to the answer.
I hope these tips will help all of you who are taking the real estate brokers’ licensure exam on March 17, 2013. I wish you all the best and I pray that all of you shall become licensed real estate brokers soon!


Source: http://www.foreclosurephilippines.com/2013/03/20-tips-how-to-top-real-estate-brokers-exam.html#ixzz2Mk20wm5I
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Monday, February 18, 2013

College profs must have master’s degrees, SC rules



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The Supreme Court has upheld the policy of the Commission on Higher Education (CHEd) requiring teachers of tertiary schools to acquire postgraduate degrees to become tenured or regular employees.
In an eight-page decision dated Jan. 23, the court’s Third Division junked the suit of two University of the East professors who charged the school with illegal dismissal after their dean repeatedly extended their probationary status as professors for not having master’s degrees.
The justices, pointing out that the operation of educational institutions involved the public interest, said the requirement of a master’s degree for college teachers was “not unreasonable.”
“The government has a right to ensure that only qualified persons in possession of sufficient academic knowledge and teaching skills are allowed to teach in such institutions. Government regulation in this field of human activity is desirable for protecting, not only the students, but the public as well from ill-prepared teachers lacking in the required scientific or technical knowledge. They may be required to take an examination or to possess postgraduate degrees as a prerequisite to employment,” the court said in the decision penned by Justice Roberto Abad.
Concurring with Abad were the division chairman, Justice Presbitero Velasco Jr., and members Diosdado Peralta, Jose Mendoza and Marvic Leonen.
The petitioners, UE professors Analiza Pepanio and Mariti Bueno, who were hired in 2000 and 1997, respectively, filed a labor case against then UE dean Eleanor Javier, contesting the school’s policy that obligated them to acquire master’s degrees as a condition for tenureship.
Pepanio and Bueno said the 1994-1999 collective bargaining agreement (CBA) between UE management and its faculty provided that the school shall extend semester-to-semester appointments to college faculty staff like themselves who did not possess the minimum qualifications such as a master’s degree.
In 2001, the new CBA extended probationary full-time appointments to full-time faculty members who did not yet have the required postgraduate degrees provided that the latter complied with the requirement within their probationary period.
In 2003, Javier reminded Pepanio and Bueno of the expiration of their probationary status. The two, however, demanded that they be placed on regular status given the years of service they had rendered.
The labor arbiter, in 2004, ruled in favor of the professors and ordered their reinstatement. UE, however, appealed to the National Labor Relations Commission, which reversed the arbiter’s decision in 2006.
The professors ran to the Court of Appeals and in 2010 secured a reversal of the NLRC decision. The UE management then elevated the case to the Supreme Court.
The Supreme Court noted that as early as 1992, the then Department of Education, Culture and Sports had issued a revised manual of regulations for private schools which required college faculty members to have a master’s degree as a minimum educational qualification for acquiring regular status. The CHEd, created in 1994 to supervise tertiary schools, upheld the requirement.

When in Cebu City, please visit http://www.gregmelep.com for your real estate and retirement needs. Avail of the opportunity to own a condominium unit in Cebu City at the low amount of only P9,333.33 and House and Lot @ P 7,306.81/month only. Hurry while supply of units still last. Just call the Tel. Nos. shown herein: (053)555-84-64/09164422611/09173373687.
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Sunday, February 17, 2013

Freed Of Corruption, Firm Soars



By Kris Bayos
February 17, 2013, 7:00pm
MANILA, Philippines --- A sequestered corporation under the supervision of the Presidential Commission on Good Government (PCGG) has posted a whopping 213 percent increase in income for 2012 after reforms were instituted and corruption curbed.
Based on its unaudited financial statement for 2012, the Bataan Shipyard and Engineering Corporation (BASECO) earned P54 million last year. PCGG said BASECO – marred with excessive directors’ fees and employees’ compensation under the previous administration – earned P17 million in 2011 and posted a steady increase in revenue from P51 million in 2011 to P70 million in 2012.
PCGG Chairman Andres Bautista said the growth is attributed to the reforms instituted by the current management when it took over the corporation in July 2011.
“The new management immediately implemented institutional reforms such as reduction of excessive directors’ fees and employees’ compensation, including rationalization of its manpower, suspension of onerous contracts, investigation of questionable transactions, and adoption of internal control measures. It also ordered the bidding of the lease of its properties to obtain competitive rents,” he said.
Bautista said the new management of BASECO has requested the Commission on Audit (COA) to conduct a fraud audit on the transactions entered into by the previous management to confirm its initial findings of irregularities.
“Appropriate steps, including the sending of demand letters (to previous directors and employees), have been undertaken for the accounting, liquidation and recovery of excessive allowances, bonuses and other irregular disbursements,” he said.
The official added that “appropriate complaints against erring officials are being prepared” against previous directors and employees of BASECO who would not heed the PCGG’s demand for liquidation and return of excessive fees and compensation.
Bautista added that BASECO likewise opened an escrow account with the Bureau of Treasury for the first time after it remitted P15 million to the National Treasury in 2011 and P17 million in 2012.

When in Cebu City, please visit http://www.gregmelep.com for your real estate and retirement needs. Avail of the opportunity to own a condominium unit in Cebu City at the low amount of only P9,333.33 and House and Lot @ P 7,306.81/month only. Hurry while supply of units still last. Just call the Tel. Nos. shown herein: (053)555-84-64/09164422611/09173373687.
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Friday, January 25, 2013

What Makes Philippines the Heart of Asia





3:40 am | Saturday, January 26th, 2013

 5 57 12

The country’s medical tourism industry is hoping to get another boost from the soon-to-be-released “Philippines: The Heart of Asia” travel guide. For inquiries, email info@philippinesheartofasia.ph or call +63908.8887880.
The Philippines established its Medical Tourism Program back in 2006—and now, a little over six years later, we can say that while results have not been as quick as first envisioned, the country’s efforts to become a regional healthcare hub are slowly but surely bearing fruit.
A few years ago, the country was re-launched as a medical tourism destination under the brand “Philippines: The Heart of Asia” and the tag remains as true today as it was before.  The Philippines really is The Heart of Asia in more ways than one.
As the Department of Tourism meets with success in presenting the country as one of the most desirable destinations in the region, especially through its “It’s More Fun in the Philippines” campaign—it will be recalled that the Philippines was included in several international “best destinations” lists in 2012—it can be reasonably expected that this will also help highlight the Philippines’ strong points as a medical tourism, healthcare, and wellness destination.
Hearts in the right place
Various research studies show that patients’ recover faster and feel happier when they receive compassionate care.  Compassionate care, unfortunately, is often overlooked as more and more hospitals overseas struggle to save on costs and increase efficiency—this is the reason why Filipino nurses are in such demand the world over: Filipino nurses are not simply competent but also friendly, cheerful, caring, and compassionate.
Friendliness, compassion, caring, and cheerfulness are aspects of Filipino culture that every Filipino grows up with and imbibes. He or she learns it from parents, siblings, relatives and friends. This is because most Filipinos value relationships more than material possessions. Whether rich or poor, strong family bonds and smooth, mutually beneficial relationships among relatives and friends define the Filipino way of life.
Foreigners who visit the country as tourists, work here as expats, or choose it as their second home after retirement, all discover the warmth and hospitality that are unique to the Filipinos. These are attributes that medical tourism travelers discover when they receive treatment in the country’s hospitals and clinics.
English fluency
English is widely spoken in the Philippines as one of its official languages. English is the language used in education and business, and Filipinos in government agencies and the service industry are fluent in it. There are many English-language publications in the Philippines, including the major newspapers and magazines. There are also many English-language programs on television and Hollywood movies are regularly shown in theaters.  Foreigners who speak English will have no difficulty relating to and transacting with Filipinos.
Top-notch healthcare facilities
Filipino doctors are expertly trained in the Western medical tradition and are up-to-date with the latest advances in medical science. Many of them have trained overseas, including the United States and Europe, and are affiliated with medical organizations in those countries.
The country’s top public and private hospitals are equipped with the latest in medical tools, machines, and technologies—the same equipment, if not better, as those found in the U.S. and Europe. The high standards of their facilities assure medical tourists that they are getting the same quality care, or better, as they would receive from their home countries.
This same high quality of care is found in the Philippines’ top specialty clinics that offer dental and aesthetic procedures.
Tropical paradise
With more than 7,000 islands in its archipelago, the Philippines is home to beaches and seaside resorts that provide relaxing, refreshing tropical paradise settings. There are natural landscapes of breathtaking beauty in the highland regions. Medical travelers will discover many picturesque places where they can enjoy their recovery.
Together with these various natural settings, the Philippines also offers all the modern conveniences needed for 21st century living. From high-tech telecoms networks to cable TV, to Internet service, and highly urbanized, cosmopolitan areas with malls retail complexes offering local products and international brands.
World cuisine
Filipino food is a blend of Western and Eastern influences that include Spanish, American, Chinese, and Indian cuisines. With such a sophisticated palate, Filipinos easily welcomed the entry of Japanese, Korean, Thai, Italian and Continental food in the culinary scene. As a result, there are now so many different dining establishments that offer a gamut of authentic, gourmet fare.
More work ahead
As more of the country’s top hospitals make considerable investments in their personnel and facilities, the benefits to Filipino and foreign patients will also increase. There really is no other way to help the Philippines become a regional medical tourism hub except to make sure that its healthcare facilities are world-class.
One very important area that more Philippine hospitals need to get into is international accreditation. This accreditation is the most credible certification of a hospital’s, clinic’s, or wellness facility’s world-class quality standards.
When we talk about world-class healthcare certification or accreditation for hospitals and other healthcare facilities, we usually refer to accrediting bodies like JCI, NABH International, Accreditation Canada and others that are affiliated with the International Society for Quality in Healthcare (ISQua). The ISQua is the world body that accredits these accrediting bodies.
One ISQua-accredited body that has been giving generous support to Philippine hospitals is NABH International. Through its local affiliate, HealthCORE, the NABH International has been giving workshops to Filipino hospital administrators to help them learn how to meet ISQua standards, and assist them in the actual process of accreditation.
The success of the Department of Tourism’s campaign plus the increasing number of foreign patients being treated in the Philippines top hospitals prove that the country still has a bright future and great potential to be a medical, health, and wellness hub in the region.
To fulfill that potential, all stakeholders in the healthcare and travel sectors must get their acts together. Only then will the world truly realize that the Philippines is the Heart of Asia—a heart that gives care, compassion, life, love, and healing to those in need.  – Ramil Digal Gulle, contributor  
When in Cebu City, please visit http://www.gregmelep.com for your real estate and retirement needs. Avail of the opportunity to own a condominium unit in Cebu City together with your own parking space at the low amount of only P12,000.00+ and House and Lot @ P 7,306.81/month only. Hurry while supply of units still last. Just call the Tel. Nos. shown herein: (053)555-84-64/09164422611/09173373687.
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Thursday, January 24, 2013

Lamoiyan Hikes Toothpaste Market Share


January 24, 2013, 4:59pm
Lamoiyan Corp., makers of Hapee toothpaste, is expanding its export markets and product product portfolio as it has overtaken the multinationals in specialized dental care products, kiddie and gumcare toothpastes.
 Cecilio Pedro, president and chief executive officer of Lamoiyan, in a press conference at the sidelines of the 25th anniversary of the company also said they would pursue exports in order to compete with the multinationals.
The company has been expanding to Russia, the Middle East and the US. Pedro said they may expand products to include treatment for head lice. The company is also looking at mouthwash this year and a and will company said it is looking at new products like mouthwash.
Lamoiyan’s toothpaste brands account for 20 percent of the total P9 billion local market. It produces 4,000 tons of toothpaste a year or 11 percent higher than 2011.
Pedro also revealed that it is looking at Myanmar for a manufacturing plant noting Myanmar could be a good jump off point to neighboring countries like Laos, Cambodia, and Thailand. Myanmar alone has 50 million population.
“We are very bullish for our country,” Pedro said noting it is not only Lamoiyan but all Filipinos.
“The only way to compete with the giants is to be big, as big as the multinationals. Our intention is to go out beyond Philippines,” Pedro said.
He said Lamoiyan has exported to as far as Russia, Europe, Middle East, Asia and even the United States mostly catering to Filipinos and OFWs, make them remember the Philippines.
Pedro said Lamoiyan is now number one in kiddie and gumcare (Gumtech) toothpastes, beating the MNCs.
Kiddie is a small 3 percent share of the company’s total toothpaste sales. Toothpaste accounts for as much as 80 percent of its total sales.
 With the theme “Silver” for its 25th year, Lamoiyan also marked its celebration with the signing of a memorandum of agreement with the Philippine Dental Association to continue its partnership for a nationwide dental missions.
Last year, Lamoiyan has conquered 20 percent market share.
“We want to challenge our competitors to provide reasonable pricing,” Pedro said noting that the MNCs sell their toothpaste a lot cheaper in China.
He also said that their price increases have been limited to 2-3 percent only. Lamoiyan toothpaste is also 15 percent cheaper than the MNC brands. (BCM)
When in Cebu City, please visit http://www.gregmelep.com for your real estate and retirement needs.
Avail of the opportunity to own a condominium unit in Cebu City together with your own parking space at the low amount of only P12,000.00+ and House and Lot @ P 7,306.81/month only. Hurry while supply of units still last. Just call the Tel. Nos. shown herein: (053)555-84-64/09164422611/09173373687. 

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Tuesday, January 22, 2013

PH takes China to UN arbitral tribunal




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, 
3:33 pm | Tuesday, January 22nd, 2013

 29 272 241

Foreign Secretary Albert del Rosario. AP FILE PHOTO
MANILA, Philippines – The Department of Foreign Affairs (DFA) on Tuesday announced that the Philippines has taken the step of bringing its West Philippine Sea (South China Sea) territorial disputes to China before an Arbitral Tribunal under the United Nations Convention on the Law of the Sea (UNCLOS) to achieve a peaceful and durable solution to the disputes.
The announcement was made by Foreign Affairs Secretary Albert Del Rosario.
Del Rosario, in a press conference, said that a note verbale detailing the notification and statement of claim that “challenges before the Arbitral Tribunal the validity of China’s nine-dash claim to almost the entire South China Sea (SCS) including the West Philippine Sea and to desist from unlawful activities that violate the sovereign rights and jurisdiction of the Philippines under the 1982 UNCLOS” was handed to Chinese Ambassador to the Philippines Ma Keqing at around 1 p.m. Tuesday.
“The Philippines has exhausted almost all political and diplomatic avenues for a peaceful negotiated settlement of its maritime dispute with China……To this day, a solution is still elusive. We hope that the Arbitral Proceedings shall bring this dispute to a durable solution,” Del Rosario said.
“We hope that China would join us in this aspiration,” Del Rosario said.
Del Rosario noted that Solicitor General Francis H. Jardeleza has been tasked as the legal representative for the Philippines in these Arbitral proceedings.
“The lead counsel of the Philippines is Paul Reichler of Foley and Hoag LLP,” he said.

When in Cebu City, please visit http://www.gregmelep.com for your real estate and retirement needs.
Avail of the opportunity to own a condominium unit in Cebu City together with your own parking space at the low amount of only P12,000.00+ and House and Lot @ P 7,306.81/month only. Hurry while supply of units still last. Just call the Tel. Nos. shown herein: (053)555-84-64/09164422611/09173373687.
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