WOMEN'S TROUSER

Perfect for casual or formal wear.

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Available Colors:

Brown, Khaki, Purple, Grey, and Light Khaki

Available Size:

S, M, and L

EPOCH® GLACIAL MARINE MUD® SIZE

EPOCH GLACIAL MARINE MUD

A skin-purifying estuary treasure. Draw out impurities, remove dead skin cells, and nurture skin with more than 50 skin beneficial minerals, including zinc and sea botanicals. Legend has it that indigenous peoples may have tried to use this special mud to make pottery. They were unsuccessful because of their fine particle size but noticed their hands were softer and smoother. Today, Glacial Marine Mud is homogenized to produce a highly absorbent mud with impeccable consistency. Experience the renewing benefits of this mud mask by pampering your face and body with regular treatments.

BENEFITS

• Effectively removes impurities and dead skin cells without affecting normal cells
• Less flaking when dried due to the presence of sea botanicals
• Minimal water separation
• Rich in minerals
• Great for all-over body use except for sensitive areas
• New low-density, flexible tube lets you get all the products out so none goes to waste
• $0.25 from each Epoch Glacial Marine Mud sold goes toward the Force for Good campaign, which assists various cultures and projects around the world
• Safety-Allergy-Dermatologist Tested

INGREDIENTS

Epoch® Glacial Marine Mud (Maris Limus), Water (Aqua), Algae Extract, Propylene Glycol, Diazolidinyl Urea, Methylparaben, Propylparaben, 2-Bromo-2-Nitropropane-1, 3-Diol.

USAGE

Apply a generous layer of mud to the skin, avoiding mouth, eye, and other sensitive areas. Let the mud dry 15 to 20 minutes or until it turns a light aquamarine color. Rinse thoroughly with warm water. Use Epoch® Glacial Marine Mud™ two to three times a week. Source: www.nuskin.com

Get your own Epoch Glacial Marine Mud by sending a message at AEMILIA MUNDI. Your skin deserves it!

ECOSPHERE WATER PURIFIER

Introducing ECOSPHERE WATER PURIFIER, designed for health enthusiasts who deeply care about creating a clean, safe home for their family's wellness. Developed with our hallmark of innovative technology and superior quality materials, equip yourself with the healthy water opportunity to protect you and your family’s health with clean, safe water that is free from everyday toxins, contaminants and pathogens. Just as you are, we want our parents to age gracefully and children to grow up happily all in the pink of health!

KEY PRODUCT NUMBERS

4 STAGE

FILTRATION PROCESS

99.9999%

BACTERIA* REDUCTION1

5200L

WATER CAPACITY

PER 3IN1 CARTRIDGE

3 MIN

EASY INSTALLATION

SEAMLESS INSTALLATION

SLEEK SIZE

PREMIUM DIVERTER

CLEAN TUBE DESIGN

You are just a click away from drinking healthy!

For orders, feel free to send us a message here or pm us directly at Aemilia Mundi.

Source: www.nuskin.com

Five Advantages of Buying a Ready for Occupancy Unit

by: Emily O. Nuguid

DEFINITION OF TERMS

- A pre-selling refers to the stage when a real estate developer is already offering or marketing properties—either condominiums, townhouses, or houses and lots—before their actual completion. Source: Merits of buying pre-selling units

- A ready-for-occupancy unit refers to units that are readily available and you can instantly move into upon payment and completion of the necessary documents. Source: 5 Reasons Why It’s Wise to Buy Ready-For-Occupancy Unit

ARYA SINGLE DETACHED HOME IN DASMARIÑAS, CAVITE

Real estate is indeed one of the best investments, especially here in the Philippines. That's why Filipinos, especially those working abroad, prefer to buy properties that are perfect for their needs.

Why offer Ready-For-Occupancy Units?

1. Your buyer will immediately see the actual turnover of the unit. There's no need to imagine the quality of the house. They will see it right then and there. 

2. This is the best kind of unit to offer to a buyer who wants to move in immediately once the payments and documentation are settled.

3. The majority of developers provide significant discounts on RFO units. This is the best chance to use it.

4. Utilities like water and electricity are available. There's no need to wait for it.

5. Since the unit is RFO, your buyer can invest in it. They can sell it or lease it out. 

Purchasing an RFO unit may cost more and require a significant amount of down payment, but with all these advantages, it can be a good idea to offer this to your buyer.

For more real estate advice, please send a message to my FB account, EMILY NUGUID or, send an e-mail to eonuguidrealty@gmail.com.

Thank you, and God bless you all!

15 TIPS FOR INCREASING REAL ESTATE SALES AND REFERRALS

by Emily O. Nuguid


I've been working in the real estate industry for more than 12 years, and I handle real estate brokers and salespeople from north to south. I can say that I am very much aware of the attitudes and techniques of how they can communicate with their prospective buyer during their site presentation, negotiation, and closing. From my observations, I have finally come up with these tips.

Image: www.mckissock.com

1. Be very observant and keen on some important details given by your prospect buyer.

2. Ask right away who the main buyer is, where he or she is now, and with whom you are speaking. In this situation, you will know who you are going to deal with.

3. When you call the marketing staff of the developer, be sure that you know what you're asking for.

4. Always be ready to have a copy of marketing collateral, especially the latest inventories, because you will never know when your client will call you. The marketing staff of the developer nowadays send a jpeg copy of their inventories; save it immediately on your mobile phone.

5. Don't make it a habit to change your mobile number and e-mail address. Your previous buyer won't be able to contact you for their referral. You will lose a very great opportunity to have a new sale.

6. Make friends with the marketing staff of the developer so that they will immediately recognize you when you call them.

7. Be polite when you ask questions of the marketing staff of the developer. Remember, you are the one who needs information for your prospective client. Act professionally. Don't be so boastful.

8. Don't lose contact with your previous buyer. Call or text them, "Hello." If they have complaints about their house, it's better to assure them that you're there to help them.

9. If you requested a tripping vehicle from the developer, make sure that you informed them a day before your scheduled tripping. In this case, marketing staff will have enough time to arrange the schedule of their tripping vehicle.

10. If you're not familiar with the subdivision and you have scheduled tripping, visit the site one day before your scheduled date. Don't make yourself look empty- headed in front of your prospective buyer. You might get the best chance to close the sale if you do that.

11. Become familiar with Facebook Messenger, Viber, Skype, and other internet communication tools. Remember, it's 2020 now and some of your clients are working abroad.

12. Know and learn how to dress professionally when you have a client meeting. Let your buyer think that you're equipped with information so that they will trust you.

13. Attend seminars for personal development. Don't be stuck with your current knowledge. Explore.

14. Be very friendly and patient when it comes to assisting your buyer. Remember, you are the one who needs them most.

15. Know the latest buyer's promo so that you know what to offer. Remember, some of the buyers are looking for discounts and freebies.

I think I've listed the 15 most important things to consider as a real estate salesperson. It's up to you how to react. If you have comments, suggestions, or violent reactions, feel free to leave your message below. 

I hope those things will help you to become a very reliable, friendly, and professional real estate salesperson. For more real estate advice, please send a message to my personal Facebook account, EMILY NUGUID or send an e-mail to eonuguidrealty@gmail.com.

Thank you, and God bless you all!

DOCUMENTS REQUIRED FOR OFW HOUSING LOAN THROUGH BANK FINANCING

Image credit to Community watch PH (www.kwentongofw.com)

In my more than 10 years in the real estate industry, I have always encountered questions about what requirements they're going to submit, especially those buyers who are working abroad. That's why I listed below all the documents that are needed to comply with the housing loan.

1. STANDARD DOCUMENTS

a. 2x2 Pictures of Principal Buyer/s (PB), Spouse, Attorney In- Fact (AIF) (a person authorized by the principal buyer to transact on his/her behalf).

b. 2- Government Issued Valid IDs of Principal Buyer/s, Spouse, and Attorney In- Fact with 3 specimen signatures

c. Proof of Billing (last 3 months)

d. Birth Certificate and Certificate of No Marriage Record (CENOMAR) or Marriage Certificate 

g. Signed Bank Forms (will be provided by the Developer's Office or from the Bank where you will file the housing loan)

h. Copy of Passport with Entries

i. Seaman's Book (if Seaman)

j. BIR 1904 Form (You may download the form at https://www.bir.gov.ph)

2. MAJOR DOCUMENTS

a. Certificate of Employment with Compensation (COEC)

It must be original and consularized at the Philippine Embassy of the country where the Principal Buyer (PB) is working.

b. Latest Payslips (last 3 months)

c. Contract of Employment

d. Proof of Remittances (last 6 months)

e. Latest Bank Statement or Photocopy of Bank Book (last 6 months)

f. Special Power of Attorney (SPA Form) 

The SPA form will be provided by the Developer's Office. It must be signed by the PB, spouse, and their assigned AIF. The SPA form must be original and have it consularized/notarized.

What is a Consularized Special Power of Attorney in the Philippines?

A Consularized Special Power of Attorney is a document that gives authority to the tasked person to carry out the signing of documents (e.g., loans and contracts), receiving of bank loan proceeds, as well as the execution or the signing of the contract of sale and deed of absolute sale on behalf of the client, in this case, the OFW. Source: https://ofwmoney.org/consularized-spa/

Or have it notarized upon submission if the buyer is still here in the Philippines.

What makes a Consularized Special Power of Attorney different from a Notarized Power of Attorney?

A Notarized Special Power of Attorney is a SPA that is signed in the Philippines. It is typically signed by the OFW during his/her stay in the Philippines, but then the OFW won’t be able to carry out a transaction, such as the obtainment of a bank document, as he is due to go back abroad at an earlier date. Source: https://ofwmoney.org/consularized-spa/

For a housing loan, the income of the buyer must be sufficient for the amount of house they're purchasing. 

For more questions, clarifications, or suggestions, feel free to send through the comment section below.

For more real estate advice, please send a message to my personal FB account, EMILY NUGUID or send an e-mail to eonuguidrealty@gmail.com.

Thank you, and God bless you all!

DOCUMENTS REQUIRED FOR A LOCALLY EMPLOYED HOUSING LOAN THROUGH BANK FINANCING

Image credit to www.edukasyon.ph

Many locally employed Filipinos wanted to avail houses and lots through bank financing. What are the documents they need to submit? I made a list for them to know. I categorized it into two types:

1. Standard Documents

a. 2x2 Pictures

b. 2- Government Issued Valid IDs with 3- specimen signatures

c. Proof of Billing (last 3 months)

d. Birth Certificate and Certificate of No Marriage Record (CENOMAR) for Single or Marriage Certificate for Married

e. BIR 1904 Form (You may download the form at www.bir.gov.ph)

2. Major Documents

a. Certificate of Employment with Compensation (COEC)

b. Payslips (last 3 months)

c. Latest Income Tax Return (ITR) (last 2 years)

d. Bank Statement or Photocopy of Bank Book (last 6 months)

For a housing loan, the income of the buyer must be sufficient for the amount of house they're purchasing. 

For more questions, clarifications, or suggestions, feel free to send them through the comment section below.

For more real estate advice, please send a message to my FB account, EMILY NUGUID or send an e-mail to eonuguidrealty@gmail.com

Thank you, and God bless you all!

17 PHILIPPINE SCHOOL OFFERING THE REAL STATE MANAGEMENT DEGREE (BS REM)

If you're aiming to be a professional Real Estate Broker you need to get a Bachelor of Science in Real Estate Management, or BS REM. It is a 4- year course with the PRC Board Examination.

Image: www.formstack.com

Here are the list of schools that offers BS REM.

A. LUZON
1. Philippine Christian University (Manila)
Website: pcu.edu.ph
Address: 1648 Taft Pedro Gil, Manila

2. Trinity University of Asia (Quezon City)
Website: www.tua.edu.ph/
Address: Cathedral Heights, 275 E. Rodriguez Sr. Avenue, New Manila, Quezon City, Metro Manila

3. Manila Business College (Manila)
Website: www.mbc.edu.ph
Address: 1671 MBC Bldg., Sta. Cruz Alvarez St, Santa Cruz, Manila

4. New Era University (Quezon City)
Website: www.neu.edu.ph
Address: 9 Central Ave, New Era, Quezon City

5. St. Dominic College of Asia (Bacoor City)
Website: www.stdominiccollege.edu.ph
Address: Emilio Aguinaldo Hwy, Bacoor City, Cavite

6. Batangas Eastern Colleges (San Juan, Batangas)
Website: None
Address: 1 Javier St, San Juan, Batangas

7. Lyceum of Alabang (Muntinlupa City)
Website: www.lyceumalabang.edu.ph
Address: National Road, Tunasan, Muntinlupa City

8. National College of Science and Technology (Dasmariñas, Cavite)
Website: ncst.edu.ph
Address: Congressional Road, Dasmariñas City

9. Emilio Aguinaldo College (Dasmariñas, Cavite)
Website: www.eac.edu.ph
Address: Congressional East Avenue, Burol Main, City of Dasmariñas

10. Angeles University Foundation (Angeles City)
Website: www.auf.edu.ph
Address: Manuel Roxas St, Angeles City, Pampanga

B. VISAYAS
11. University of Cebu (Cebu City)
Website: uc.edu.ph
Address: 155A Sanciangko St, Cebu City

12. South Western University (Cebu City)
Website: www.swu.edu.ph
Address: Urgello Street, Cebu City

13. Central Philippine University (Iloilo City)
Website: www.cpu.edu.ph
Address: Half Moon Dr, Lopez, Iloilo City

14. College of St. John (Roxas City)
Website: www.collegeofstjohnroxas.com
Address: Roxas City-Panay Road, Roxas City, Capiz

C. MINDANAO
15. Saint Joseph Institute of Technology (Butuan City)
Website: www.sjit.edu.ph
Address: Butuan City Colleges, Montilla Blvd., Butuan City, Agusan Del Norte

16. Misamis University (Ozamiz City)
Website: www.mu.edu.ph
Address: H.T. Feliciano St, Ozamiz City, Misamis Occidental

17. University of Mindanao (Davao City)
Website: umindanao.edu.ph
Address: Bolton St, Talomo, Davao City, Davao del Sur

OTHER SCHOOLS:
Subject for Validation
Source: Check Reynaldo (https://www.facebook.com/chek.reynaldo), Jay Oliver Tuazon (www.facebook.com/Datalink26), Renan Casia Matthew Marte Patricio Gulle (www.facebook.com/dmcionlinehomes) and Nanz Creo Casia (https://www.facebook.com/renan.casia)

1. Adamson University
2. De La Salle- College of Saint Benilde
3. University of Mindanao, Davao City
4. Xavier University- Ateneo de Cagayan
5. Holy Cross of Davao College

6. STI College

7. Gardner College Diliman, Inc. (Formerly: Informatics College Quezon)

I heard some feedback from some brokers and sellers that most of the schools have fewer enrollees. Maybe it's just because only a few parents and students knew about the benefits of this course. It's about time that we, from the real estate industry, work together to disseminate information about this course.

Source: http://www.lamudi.com.ph/journal/17-philippine-schools-offering-real-estate-management-degree/

For more real estate updates, subscribe now or please follow or send me a message on my Facebook account, EMILY NUGUID. Thank you, and God bless you all!

Things to Consider Before Buying Your New House

Image Source: www.lawyer-monthly.com

Many of you are interested in investing in your new house and lot, but there are some important things you need to consider before buying?

1. Salary/Income
- For Bank Financing, you need at least 30% for the Net Disposable Income (NDI). 

2. Marital Status
-It is important to declare immediately to your agent your marital status. If you're annulled, you must submit annulment papers.

3. Age
-Mostly, for bank financing, 65 years old is the last age. If you're 55 years old when you apply for a housing loan, the approved term is 9 or 10 years only. We suggest that if you have a qualified income, it is better to buy your house when you're still young. 

4. Credit Card/Other Loans
-It must be in good standing. If you have a canceled credit card or a problem with other loans like a car loan, it may affect your bank loan application.

For more real estate advice, please send a message to my FB account, EMILY NUGUID, or send an e-mail to eonuguidrealty@gmail.com.

Thank you, and God bless you all!