Transfer certificate of land Title in the Philippines-Process and requirements and tips

Transfer Certificate of Land Title in the Philippines – Process, Requirements and Tips

The rules governing property ownership in the Philippines is handled by the Land Registration Authority (LRA), and is primarily based on the Torrens System of Land Registration. A Registry of Deeds (RD) is assigned to keep records of every land title in a city or municipality, they keep the original copy of registered land titles; while an “Owner’s Duplicate Certificate” is given to the current property owner.

In this article, we’ll give you a step-by-step procedure on how to get a certificate of land title for a property that was already registered. This procedure is otherwise known as transfer certificate of land title, where the land or property purchased is already registered at the RD by the seller, and he or she is transferring the title to you- the buyer.

Requirements:

• Notarized Deed of Absolute Sale and photocopies thereof
• Latest tax declaration of the property
• Certificate Authorizing Registration  (CAR) and 3 photocopies thereof
• Seller’s Certificate Authorizing Registration- This is what the seller got from the BIR after paying   the capital gains tax and doc stamp tax
• Receipt from BIR confirming payment of Capital Gains Tax, Documentary Stamp Tax
• Receipt from Assessor’s office for the payment of Transfer Tax

How to Get a Transfer Certificate of Title

1. The owner and buyer agree on the sale of property and which of them pays the taxes included in the process. A lawyer creates a duly notarized Deed of Absolute Sale (DOAS), which is a document proving the legal transfer of the property’s ownership. After that, the Deed of Sale should be taken to the RD for the transfer of title to be recorded. This is important for the buyer’s protection.

How much is the notarization fee?

Sam: The usual rate is 1% of the selling price but it really depends on the notary public. I have observed that the 1% is the average, but it is still negotiable.

Whose lawyer will create the DOAS? Should it be the buyer or seller’s lawyer? What if they don’t have a lawyer to represent them?

Sam: Either would be okay, as long as both parties would carefully read and agree to the contents of the DOAS. If either party has no lawyer, it would be best if they get the services of one to check the DOAS before they sign it.

Why is it important for the buyer to go to the Register of Deeds this early in the process?

Sam: This is important because it would be best to verify the following by getting a certified true copy of the title: if the title is authentic, if the seller is really the owner, if the  technical description is sound and complete, if the title is indeed clean, etc. The buyer is basically verifying if the seller is saying the truth, at the very start, to avoid wasted time.

2. Go to the Assessor’s office of the municipality or city where the property is based, then request for a certified true copy of the latest Tax Declaration on the property. This is needed for the BIR to assess the taxes to be paid  like CGT or CWT, whichever is applicable, depending on whether the property is a capital or ordinary assets, DST, and for the issuance of the certificate Authorizing Registration or CAR

How long does this process take?

Sam: For most cities and municipalities, you can get this on the same day. For big cities like Quezon City, you will have to come back after a day to claim the certified true copy of the tax declaration.

Are there any requirements to get this form?

Sam: You just need to know the name of the owner(s) of the property, or the TCT/CCT number, or tax declaration number. I often just bring a photocopy of the tax declaration from the seller

3. Go to the Regional District Office (RDO) of the Bureau of Internal Revenue (BIR) that handles the property’s location. Fill out the applicable forms and pay the Capital Gains Tax (CGT), which is 6% of the selling price (SP) or the zonal value of the property, whichever is higher; and Documentary Stamp Tax, which is 1.5% of the (SP) on the DOAS or zonal value; whichever is higher. As practiced in the Philippine real estate market, the buyer usually pays for Documentary Stamp Tax and all other transfer costs, while the seller pays for the Capital Gains Tax or CWT, whichever is applicable. However, this is not true for all cases because the seller and buyer can create a different agreement as to who pays the taxes, as long as both parties agree in writing before the DOAS is notarized.

When should these taxes be paid?

Sam: For CGT, the deadline is on the 30th day after the execution of the DOAS, for DST, it is on the 5th day of the month after the execution of the DOAS. Transfer Tax is due 60 days after the execution of the DOAS.

Are there penalties if the taxes are not paid on time?

Sam: Yes, a surcharge equal to 25% of the tax due is charged for late payments, plus 20% interest per year on any unpaid taxes, plus compromise penalty (if any, this depends on the BIR officer).

4. File a request for Certificate Authorizing Registration (CAR) at the BIR. This document is a certification proving that the transfer of property has been approved by the BIR and that the taxes due on the said property have already been paid. Hence, this document gives the RD the go signal to transfer the title to the seller’s name.

How long does it take to get the CAR?

Sam: After submission of all requirements, it would take at least 2 weeks, based on my own experience for properties in Antipolo and Quezon City.

Why is it necessary to have two photocopies of this certificate?

Sam: The buyer will need this if and when they decide to sell the property later on and transfer it to their buyer. The BIR will look for this when the buyer applies for the next CAR.

5. Go back to the Assessor’s office and pay the transfer taxes.

How much is the transfer tax?

Sam: This ranges from 0.25% to 0.75% (rate depends on the city/municipality where the property is located) of the selling price or zonal value, whichever is higher.

Are there any documents needed to pay this tax?

Sam: Yes of course- Certificate Authorizing Registration from the Bureau of Internal Revenue; Realty tax clearance from the Treasurer’s Office; and the Official receipt of the Bureau of Internal Revenue (for documentary stamp tax). Please refer to the article, “What is Transfer Tax” at foreclosurephilippines.com for more information.

6. Finally, go back to the Registry of Deeds and show the official receipts of the paid taxes from the BIR and Assessor’s office, and the Certificate Authorizing Registration. Pay the registration fee, which is based on graduated rates set by the LRA based on SP (ex. For a property with a selling price of 1 Million pesos, the registration fee is Php5,546).

How long does this process take?

Sam: Just recently, I submitted all requirements for the registration of the transfer of a title in QC last February 4, 2013, and was informed the new title will be ready for pickup on March 21, 2013, that’s 45 days just for the registration of the title and the release of a new one!

Any tips or pointers for people who will request for a transfer of certificate of title?

Sam: Just make sure all the required documents are complete and pay all taxes related to the transaction early to have time to correct and problems/deficiencies, don’t do it on the day of the deadline.

Is it easy to do this process on your own or would it be better to hire a broker/title company?

Sam: If you are patient enough to travel through traffic to go to the BIR, cityb hall, etc, then it would be okay to do this on your own.

How to determine if the Title Presented by the Seller is Authentic

Ask the seller for a copy of the certificate of title, then go to the Registry of Deeds and ask for a certified copy of the property’s title. The copy usually costs 100 pesos (2.5 USD), but that depends on the municipality or city where the property is located. Sometimes, it can take a few days to get this.

• Once you have the copy, check that all details on the certified copy and seller’s title are identical. Everything has to be identical, down to the last letter. If there are discrepancies, you should ask the seller to verify this.
• Check if the property has any liens, existing mortgage, property ownership claims, or restrictions.

Q&A and More tips from Sam…

What if the property is in a subdivision or gated community, is it okay if it has a lien?

Sam: It’s okay as long as the owner fully disclosed this and explains how it can be remedied. Better consult a lawyer that specializes in real estate or a knowledgeable real estate broker

• If a seller refuses to give you a copy of the title, walk away
• If several months have passed since you got a certified true copy of a title, make sure you get a new certified true copy before closing a deal, just to be sure there are no surprises.
• Always get a traceback to ensure the mother title has no problems.

How to process land transfer in Philippines

How to Process Land Transfer in the Philippines

In the previous years, the government solved problems of land titling and land transactions through the establishment of the Torrens System.  This served and will continuously serve as protection for land owners and buyers who transact land transactions.

However, processing land transfer is still tedious enough for a non-expert.  It may take some time to finish everything and could also be too costly to hire someone who can assist you with this process.  So in order for you to have an idea on what to do, here are some helpful tips on this 

Step 1. The first thing to do is to provide the documentary requirements set by the Assessor’s Office, Register of Deeds and Treasurer’s Office in your area. Depending upon the agreement of the buyer and seller, but the seller usually file for the tax clearance required by the Treasurer’s Office.  To be cleared, it is important to submit receipts and tax declarations of the land to said office.  If there are arrears, then it is need to pay them for the transfer to take place.

Step 2. Secure assessment of Transfer of Taxes from BIR and City Treasurer’s Office and file for Issuance of Certificate Authorizing Registration (CAR) or BIR clearance from the BIR. The CAR will serve as evidence that the sale has taken place and the taxes has been paid.  BIR will ask for documents such as TIN of seller and buyer, Notarized Deed of Sale, certified true copy of the Tax Declaration by the Assessor’s Office, and a copy of the Original Certificate of Title (OCT) or Transfer Certificate of Title (TCT).

Step 3. Pay the transfer taxes within 60 days from the date of execution of the Deed of Sale to the Treasurer’s Office presenting the CAR from the BIR, Tax Clearance from the Treasurer’s Office, and official receipt of payment of documentary tax from the BIR.

Step 4. File documents at the Registry of Deeds for the issuance of title. The documents to be presented are the copy of deed of absolute sale, receipt of payment of transfer tax, CAR, tax clearance, and TCT in the name of the seller.

Step 5. File documents at the Assessor’s Office for the issuance of new Tax Declaration.

Read Also: Documentary requirements for land transfer in the Philippines

On a case to case basis, processing to acquire Torrens Certificate of Title for land transfer is not easy as expected.  There are problems along the way if you have not checked thoroughly on the previous ownership of the land.  So to be sure, check first the encumbrance or marks at the back of the title on the property you are going to purchase.

If there are a lot of marks, ask someone who is knowledgeable enough on this matter and ask opinion whether to proceed with the purchase or not.  If not, buy a title that is free of encumbrances.  Aside from this, transferring title of land that are undivided or has many owners is complicated because all the owners need to sign for the approval of the sale.  So it is advisable to buy a land that has already been subdivided from previous owners to avoid complication.

You may also want to read this:How to reconstitute or replace lost/destroyed Land TitlesCheck Pag-Ibig Fund Acquired assets OnlineMain Benefits of Pag-Ibig Membership

DOMESTIC AND INTERNATIONAL FLIGHT|PHILIPPINESAIRLINES AIRLINES LATEST FLIGHT UPDATE

Sources

https://www.thepoortraveler.net/2020/05/philippine-airlines-flights-june/

PAIRLINES: List of Operational Flights for June 2020
Philippine Airlines has just announced that it will be resuming operations of selected international and domestic flights from June 1 to 30, 2020. The move was made after the government had stated the plan to place Metro Manila under General Community Quarantine (from stricter Enhanced Community Quarantine).

The list that PAL has released covers a limited number of international routes (mostly in the USA and East and Southeast Asia) and several domestic routes.   

International Flights
Coverage: June 1-30, 2020

MANILA – LOS ANGELES – MANILA
PR 102/103 – June 8 and 10
PR 102/103 – Mondays, Wednesdays, Thursdays, Sundays (Effective June 11)
PR 102/103 – Mondays, Wednesdays, Thursdays, Sundays (Effective June 15)

MANILA – SAN FRANCISCO – MANILA
PR 104/105 – June 1 and 10
PR 104/105 – Mondays, Wednesdays, Fridays, Sundays (Effective June 11)

MANILA – NEW YORK (JFK) – MANILA
PR 126/127 – Thursdays, Sundays (Effective June 11)
PR 126/127 – Wednesdays, Thursdays, Sundays (Effective June 22)

MANILA – HONOLULU – MANILA
PR 100/101 – Tuesdays, Saturdays (Effective June 13)

MANILA – GUAM
PR 110 – June 12
PR 110 – Fridays / Mondays (Effective June 15)

GUAM – MANILA
PR 111 – June 13
PR 111 – Saturdays, Tuesdays (Effective June 15)

MANILA – VANCOUVER – MANILA
PR 116/117 – June 10 and 14
PR 116/117 – Wednesdays, Thursdays, Sundays (Effective June 15)

MANILA – TORONTO – MANILA
PR 118/119 – June 10 and 14
PR 118/119 – Mondays, Wednesdays, Sundays (Effective June 22)

MANILA – SINGAPORE – MANILA
PR 507/508 – June 3
PR 507/508 – Wednesdays, Fridays, Sundays (Effective June 12)

MANILA – XIAMEN – MANILA
PR 330/331 – Wednesdays (Effective June 17)

MANILA – JAKARTA
PR 535 – Saturdays (Effective June 13)
PR 535 – Tuesdays, Saturdays (Effective June 16)

JAKARTA – MANILA
PR 536 – Sundays (Effective June 14)
PR 536 – Wednesdays, Sundays (Effective June 17)

MANILA – KUALA LUMPUR – MANILA
PR 527/528 – Saturdays (Effective June 13)

MANILA – HO CHI MINH CITY (SAIGON) – MANILA
PR 591/592 – Mondays, Wednesdays, Saturdays (Effective June 15)

MANILA – HONG KONG – MANILA
PR 300/301 – Fridays, Sundays (Effective June 19)

MANILA – DOHA – MANILA
PR 684/685 – Thursdays (Effective June 15)

MANILA – DUBAI – MANILA
PR 658/659 – Tuesdays (Effective June 15)

MANILA – DAMMAM – MANILA
PR 682/683 – Saturdays (Effective June 15)

MANILA – RIYADH – MANILA
PR 654/655 – Mondays, Fridays (Effective June 15)

MANILA – TAIPEI – MANILA
PR 890/891 – Mondays, Fridays (Effective June 16)

MANILA – TOKYO (HANEDA) – MANILA
PR 422/421 – Mondays, Wednesdays, Fridays, Sundays (Effective June 22)

MANILA – OSAKA (KANSAI) – MANILA
PR 412/411 – Mondays, Thursdays, Sundays (Effective June 22)

MANILA – NAGOYA
PR 438 – Thursdays, Sundays (Effective June 22)

NAGOYA – MANILA
PR 437 – Fridays, Mondays (Effective June 23)

PAL is still assessing whether or not they could operate flights to and from Sydney (Australia) and London (UK) this June. However, they have confirmed that they will NOT be flying to Auckland (New Zealand), Bali (Indonesia), Bangkok (Thailand), Beijing (China), Brisbane (Australia), Busan (South Korea), Fukuoka (Japan), Guangzhou (China), Hanoi (Vietnam), Macau, Melbourne (Australia), Phnom Penh (Cambodia), Perth (Australia), Port Moresby (Papua New Guinea), Quanzhou (Jinjiang, China), Sapporo (Japan), Seoul/Incheon (South Korea) and Shanghai (China).

Domestic Flights
Coverage: June 1-30, 2020

MANILA – BASCO – MANILA
PR 2936/2937 – Wednesdays, Fridays, Sundays (Effective June 01)
PR 2936/2937 – Mondays, Wednesdays, Fridays, Sundays (Effective June 08)

MANILA – LAOAG – MANILA
PR 2196/2197 – Tuesdays, Saturdays (Effective June 01)
PR 2198/2199 – Wednesdays, Sundays (Effective June 01)

MANILA – LEGAZPI – MANILA
PR 2921/2922 – June 5, Friday
PR 2921/2922 – Wednesdays, Fridays, Saturdays (Effective June 08)

MANILA – PUERTO PRINCESA – MANILA
PR 2785/2786 – Tuesdays, Fridays, Saturdays (Effective June 08)

MANILA – BUSUANGA (CORON) – MANILA
PR 2961/2962 – Tuesdays, Wednesdays, Thursdays, Fridays (Effective June 15)
PR 2965/2966 – Sundays (Effective June 15)

MANILA – BACOLOD – MANILA
PR 2131/2132 – Daily (Effective June 01)

MANILA – CEBU – MANILA
PR 1845/1846 – Thursday-Sunday (Effective June 01)
PR 1845/1846 – Daily (Effective June 08)

MANILA – DUMAGUETE – MANILA
PR 2545/2546 – Mondays, Wednesdays, Fridays, Saturdays, Sundays (Effective June 01)

MANILA – ILOILO – MANILA
PR 2141/2142 – Daily (Effective June 01)

MANILA – KALIBO – MANILA
PR 2969/2970 – Wednesdays, Fridays, Sundays (Effective June 08)

MANILA – CATICLAN (BORACAY) – MANILA
PR 2041/2042 – Wednesdays, Fridays, Saturday, Sundays (Effective June 01)
PR 2041/2042 – Mondays, Wednesdays, Fridays, Saturday, Sundays (Effective June 08)

MANILA – ROXAS – MANILA
PR 2203/2204 – Mondays, Wednesdays, Fridays, Saturdays (Effective June 08)

MANILA – TACLOBAN – MANILA
PR 2985/2986 – Mondays, Thursdays, Sundays (Effective June 01)
PR 2985/2986 – Daily (Effective June 08)

MANILA – TAGBILARAN (PANGLAO) – MANILA
PR 2773/2774 – Wednesdays, Fridays, Sundays (Effective June 01)
PR 2773/2774 – Mondays, Wednesdays, Fridays, Saturdays, Sundays (Effective June 08)

MANILA – BUTUAN – MANILA
PR 2967/2968 – Mondays, Wednesdays, Fridays, Sundays (Effective June 01)
PR 2967/2968 – Mondays, Wednesdays, Fridays, Saturdays, Sundays (Effective June 08)

MANILA – COTABATO – MANILA
PR 2959/2960 – Wednesdays, Sundays (Effective June 01)
PR 2959/2960 – Mondays, Wednesdays, Fridays, Sundays (Effective June 08)

MANILA – CAGAYAN DE ORO – MANILA
PR 2521/2522 – Mondays, Wednesdays, Fridays, Sundays (Effective June 01)

MANILA – DIPOLOG – MANILA
PR 2557/2558 – Mondays, Wednesdays (Effective June 01)
PR 2557/2558 – Mondays, Wednesdays, Fridays, Sundays (Effective June 08)

MANILA – DAVAO – MANILA
PR 2813/2814 – Daily (Effective June 01)

MANILA – GENERAL SANTOS – MANILA
PR 453/454 – Mondays, Wednesdays, Sundays (Effective June 01)
PR 453/454 – Mondays, Wednesdays, Fridays, Sundays (Effective June 08)

MANILA – OZAMIZ – MANILA
PR 2889/2890 – Fridays, Sundays (Effective June 01)
PR 2889/2890 – Mondays, Wednesdays, Fridays, Sundays (Effective June 08)

MANILA – PAGADIAN – MANILA
PR 2783/2784 – Tuesdays, Saturdays (Effective June 01)
PR 2783/2784 – Tuesdays, Thursdays, Saturdays, Sundays (Effective June 08)

MANILA – ZAMBOANGA – MANILA
PR 2997/2998 – Mondays, Wednesdays, Thursdays, Saturdays (Effective June 01)
PR 2997/2998 – Mondays, Wednesdays, Thursdays, Fridays, Saturdays, Sundays (Effective June 08)

CEBU – DAVAO – CEBU
PR 2363/2364 – Fridays, Sundays (Effective June 01)
PR 2363/2364 – Daily (Effective June 08)

PAL also shares that they plan to add more routes and flights in the next months, if they will be permitted by aviation authorities.

Walking. After curfew lift Saudi Arabia

Love of than God kingdom's

" May babala sa atin ang ating Dios, nais ng ating Dios na wag nating mamahalin ang pera dahil ito'y nagbubunga ng kasalanan at ito'y sa diablo upang ihiwalay tayo sa tunay na relasyon sa kanya. At ang ibang tao ay binago, nabago, nagbabago, nabago na dahil sa pera, ang iba'y naging sakim, mayabang, mapagmataas, wala ng kilala, at nalulong na sa bisyo o sugal o ano mang kamamundo na gawa ng diablo. Ayaw ng Dios na mangyari sa atin yan, nais nya na makuntento tayo sa mga bagay na ibinibigay nya dahil yon lang ang kalooban nya at ni minsan hindi sya nagkulang ng biyaya nya sa atin dahil ito'y laging sapat. WORD OF GOD:  Heb 13:5  Mangilag kayo sa pagibig sa salapi; mangagkasiya kayo sa inyong tinatangkilik: sapagka't siya rin ang nagsabi, Sa anomang paraan ay hindi kita papagkukulangin, sa anomang paraan ni hindi kita pababayaan. TO GOD BE THE GLORY FOREVER AMEN..."

Iloilo city

miss everything how are you to find out|Laugh trip to panoodin hahaha

miss everything how are you to find out|Laugh trip to panoodin hahaha

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Retirement age in Philippines age 56

Retirement 

1. one day you will retire. You won't be going to work. You won’t have office power any more. No influence or at best, a reduced influence. Your cash flow will also reduce.! Check retirement date on your payslip.

2. Always  go for your 30days annual leave. Whatever you do during your leave, is what you will be doing when you retire. If all you do is to sleep or watch TV, then that’s what you are likely do do in your retirement. Remember the book of Proverbs. A little sleep and a little slumber, so shall your poverty multiply. 

Watching Big Brother Naija will not save you heartache in retirement. Learn a trade or a skill during your leave. It will come handy. Spend your after-office hours learning something. Don’t spend it sleeping, Gossiping, watching TV!! Same goes for your weekend. Make them productive. You will thank yourself for spending your time productively. 

3. Invest for your retirement... your children are not retirement investment. Don’t bank on your children’s support or the support of friends or relations. That’s a BIG risk. It may not happen. Be ready to take care of yourself!! Everyone has his own responsibilities. They won’t be able to help you that much. You will also lose your dignity and respect if you adopt a life of begging. 

4. Start a hobby early in your working days to take you along when you retire. Rearing chicken, farming or own a shop. Acquire marketable skills ( not useless paper certificates) Etc

5. Where shall you retire. Build yourself a home. Don't retire and start to rent a house or refuse to vacate government house. You will be at the mercy of your landlord at a time when your cash flow is not only reduced but unpredictable!!

6. Who shall be your dependants. By the time you retire, your children should be above 18, and self reliant.

7. Don't retire and stay in a big city unless you can TRULY afford it. You can't continue living in a big city after 60 with limited financial resources. The language and the hustle will be hard for you. Where possible, Relocate to a less expensive town where your reduced take home (pension) can go further. 

8. Have property which can be rented or converted into cash. Have shares that pay good dividends. Plant cash trees. Rear goats, cultivate vegetables etc. these activities will not only give you income but will also keep you healthy. 

9. Live a simple life. If you never built a house at your rural home, dont use your retirement package to build. It is unwise unless you plan to live there on a permanent basis or you are super rich and therefore can afford the luxury. The choice is yours. 

Note that many of retirees die early because of the following: 

1. They are Not mentally prepared to retire.

2. Lack of finances

3. They Lapse into Depression

4 They develop Hypertension/ Diabetes because of worries, anxiety and uncertainty "and financial pressures. 

YOUR DESK AT YOUR WORK PLACE IS NOT PERMANENT. PLAN  FOR YOUR RETIREMENT.

#repost

Re: INHIBITION FROM DELIBERATIONS and VOTING on ABS CBN Franchise Bill

Ayon ky  atty.larry Gadon

 ako ng sulat sa Senado , upang hikayatin ang mga Senador na mag inhibit sa pagdinig at sa pagboto sa Prangkisa ng Abs Cbn. Ito ang nilalaman ng aking sulat :

PHILIPPINE SENATE

Republic of the Philippines

Senate Building , Pasay City 

 

For : Hon. Vicente C.  Sotto, III 

         Senate President

Re:  INHIBITION FROM DELIBERATIONS and VOTING on ABS CBN Franchise Bill

 

Date: May 18, 2020

Xx - - - - - - - - - - - - - - - - - - - - - - - - - - x 

Ako po ay lubos na gumagalang na nagbibigay ng mungkahi na naglalayon ng  pag inhibit ng mga sumusunod na Senador na makilahok  sa mga debate at botohan sa pagbibigay ng Prangkisa sa Abs CBN Corporation o sa ABS CBN BROADCASTING CORPORATION  o ano mang kumpanya na may kinalaman at koneksyon sa ABS CBN. Ang  mga Senador na  ito ay may alegasyon na hayagang alam ng publiko na nakikinabang pati asawa  o kapamilya sa ABS CBN bilang stockholder , talent , producer o iba pang interes, sa ABS CBN Channel 2 , TV Plus , Skycable , Radio at iba pang media na pag aari ng ABS CBN . 

1.     Senator Pangilinan – Spouse is stockholder , Talent of ABS CBN with many years of broadcast , movies are shown earning fees and royalties

2.     Senator Cayetano – The law office Cayetano Sebastian , is  one of the law offices retained by ABS CBN , the law office where the late Rene Cayetano was founder and partner and Senators  Allan Peter and Pia are also either partners or associates , Sebastian is husband of Pia Cayetano . The late former Senator Rene Cayetano had a long running television and radio show COMPANERO in ABS CBN

3.     Senator Paquiao – Receives fees and royalties from boxing fights , had a tv show in ABS CBN

4.     Senator Lapid – Stockholder , Talent with latest show Probinsyano where he received talent fees and royalties

5.     Senator Poe – Producer of tv show at ABS CBN , mother Susan talent and appears on several shows, Movies of adoptive father are shown over ABS CBN with royalties received

6.     Senator Revilla- Talent , movies are shown in ABS CBN , receives royalties

7.     Senator Angara – Wife works as top executive in ABS CBN

8.     Senator Recto – Wife then actress Vilma Santos had tv shows in ABS CBN , son Lucky Manzano has current tv show 

9.     Senator Sotto – TV show Eat Bulaga in Channel 2 , where he received fees and royalties , Sharon the niece is stockholder and Talent , brother Vic Sotto is talent with movies shown in ABS CBN

 

The pecuniary interest or benefits  of all of the above , in ABS CBN Tv , Radio, Cable , TV Plus , Pay Per view are of undeniable public knowledge and need not be  proven any further .  It is not only for  possible criminal and administrative prosecution for graft that should motivate them from inhibiting but for the  time honored principle of  DELICADEZA that they should heed this humble request and suggestion.

Sa Katotohanan , lahat ng lumagda sa Resolution “expressing the sentiment of the Senate” ay nararapat rin na mag inhibit sa debate at botohan sapagkat meron na sila agad  pagkiling o pre-judgement pabor sa ABS CBN sa kabila ng pag expire ng prangkisa nito at sa mga alegasyon ng mga violations nito  na may sapat na katibayan na sa kasalukuyang nasa petition sa Supreme Court at nasa mga reklamo at resolution ng pag iimbistiga sa House of Representatives.   

Very Respectfully Yours,

 

ATTY. LORENZO G. GADON

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May naidagdag mga Katropa, 2 Senador!

What is the moral argument for the existence of God

What is the Moral argument for the existence of God?

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The moral argument begins with the fact that all people recognize some moral code (that some things are right, and some things are wrong). Every time we argue over right and wrong, we appeal to a higher law that we assume everyone is aware of, holds to, and is not free to arbitrarily change. Right and wrong imply a higher standard or law, and law requires a lawgiver. Because the Moral Law transcends humanity, this universal law requires a universal lawgiver. This, it is argued, is God.

In support of the moral argument, we see that even the most remote tribes who have been cut off from the rest of civilization observe a moral code similar to everyone else's. Although differences certainly exist in civil matters, virtues like bravery and loyalty and vices like greed and cowardice are universal. If man were responsible for that code, it would differ as much as every other thing that man has invented. Further, it is not simply a record of what mankind does"rarely do people ever live up to their own moral code. Where, then, do we get these ideas of what should be done? Romans 2:14-15 says that the moral law (or conscience) comes from an ultimate lawgiver above man. If this is true, then we would expect to find exactly what we have observed. This lawgiver is God.

To put it negatively, atheism provides no basis for morality, no hope, and no meaning for life. While this does not disprove atheism by itself, if the logical outworking of a belief system fails to account for what we instinctively know to be true, it ought to be discarded. Without God there would be no objective basis for morality, no life, and no reason to live it. Yet all these things do exist, and so does God. Thus, the moral argument for the existence of God.

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Having a life insurance is a good move. If anything happens you’re family will receive an amount that can sustain them.

Having  life insurance is the best choices.

Remember tomorrow is not promise to us

Secured your retirement  now invest in PRU LIFE UK

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Contact details below

Pluk.mecusay@gmail.com

09171831173

Mishari Ed S. Cusay

Licensed Financial Consultant

PRU LIFE UK

Adora real story

Ito pala ung story nya..

Ctto.. Precious Bellete Derecho

Ito pala ung Viral na Gay...

-------------------------------

He is Ms. Adora (Ador No last name) aka Berta an active member of LGBT Community from Cebu nung sia ay matino pa. 

Dati syang teacher when she was still in her sanity. She fell inlove with the guy to the point na ibinigay nya lahat.... Kaso tinuruan syang mag adik, and they used drugs together.... The guy seem so real kasi pinakita ni guy na mahal na mahal sya, at pinaniwala sya na iibigin sya hanggang dulo.... Then suddenly, nagbago ang ihip ng hangin... nalaman nya ang lahat.... That the guy used her in every way, from clothes, shoes, food, drugs at iba pang mga luho... Malala pa neto, ginamit din ni guy yung savings ni Berta para magpakasal sa babaeng mahal nya, at iniwan sya. 

She turns out to be the man (or woman) she never wanted to be..... Noong iniwan sya ng guy, pinagpatuloy nyang gumamit ng drugs dahil sa pag aakalang that is the only way to forget yung taong nanloko sa kanya and para na rin to ease all the pain that she have during that time.

Hanggang sa nalulong na nga sya at tuluyan ng nawala sa sarili o katinuan. 

Wla nang mag angkin na family sa kanya, kasi I think orphan sia from beginning or abandoned at young age (not sure, verify ko pa resources ko) but able to get a degree sa tulong ng sariling sikap, pagiging working student and ampunan na nag kupkop sa knya. Nung stable na sia kasi degree holder na sia.. Wla na siang naging connection uli sa orphanage, hindi na din sia pwede ilagay uli sa orphanage since bata lang din naman ung tinatanggap sa ampunan. So wala talaga sia mapupuntahan except the street of cebu. 

All the lines na binitiwan nya doon sa viral video nya ay talagang nagpapakita at mararamdaman mong madami syang pinagdaanan sa buhay. Nakakatawa pero serious case of depression si Berta...

Sa mga lalaki na hindi naman talaga handa o kayang magmahal ng isang member ng LGBT, wag na sanang magpakita ng motibo o magpaasa ng isang bakla, dahil hindi natin alam ang puwedeng maging epekto. 

I'M SAYING THESE IN BOLD LETTERS TO ASK ALL OF YOU NA MAY BALAK MAKIPAG RELASYON SA LGBT, AND NOT ONLY TO BAKLA, BUT FOR ALL TYPES OF RELATIONSHIP PLEASE learn to say NO, kung hindi nyo kayang panindigan... dahil mas magandang sabihin ang

totoo kesa imulat ang isang tao sa kasinungalingang pangako. We don't want to have another berta.. Funny pero we are creating another JOKER that will soon katatakutan ng maraming tao...

Never play the emotion of one person.. Nakita na natin to kay ARTHUR FLECK at kay BERTA. Wag sana maulit pa...

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