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Seaman Protect, Naga City (2026)

16/04/2022

The sixth last words of the Lord, "It is finish". Finish or unfinish pass your paper, what paper will you submit to the Lord when you are finished? It is what you are as a neighbor that will be accepted. It is not being successful but rather being faithful.

01/02/2022

Happy new year sa lahat ng tiger 2022

25/01/2022

How To Safeguard Your Family From Intruders And Perils
Family is the most important part in our life. Knowing that they are safe tend to make our work lighter whenever we are. Here are the list to make them safe and secured while you are away:

Fence – built a high fence with well lit post in the surrounding. There are lots of solar panel flood lights available
Install a CCTV camera – buy either Hikvision or Dahua brand as they are easy to install and cheap. Dealers are located at Gonzalo Puyat st, formerly Raon st. near Quiapo church, Manila. I recommend a wired digital camera with network digital recorder. A wired camera is not prone to interference from microwave oven, radios, tv and cell sites that uses 2.4ghz to 5 ghz frequency. Labor for installation of cctv ranges from 1,500.00 to 2,000.00 per camera this includes configuration and commissioning of the cctv system into the net, that can be viewed anywhere in the world. I will discuss this extensively below.
install a burglar alarm. A wired burglar alarm system is highly recommended. Every door, windows and other openings should be fitted with a burglar sensing device.
install a fire alarm. Install a stand alone smoke detector in every room. The cost of a smoke detector is only P110.00 each including a 9 volts battery. For effective usage, replaced battery annually. To prevent a false alarm in the kitchen, install a stand alone fire detector rather than a smoke detector. A fire Extinguisher should be readily available. The cost for one 10 lbs fire extinguishers with receipt and fire approval certificate is P760.00. Recently, i bought 24 pcs of the the smoke alarm detectors from lazada and it all works properly. The cost is too small for the huge protection for your house that it will bring.
Gun – apply for licensing to own a gun. It is like applying for a driver license. Even without a gun you can apply a permit to own to use a gun. Assistance regarding gun license and ownership can be facilitated by the gun dealer. For smith and wesson guns, the direct dealer is Tactical Corner Inc., located in Alimall, Quezon City.
Baseball Bat/arnis stick – must be available in all rooms as a defense against intruders.
Pail of water. Make it a practice that your pail is always full of water. This will be use in case of fire. Fire quickly spread in second. Quenching it with a prepared pail of water will definitely save your house and your family’s life.
Cctv Installation
Cctv is a necessity not just to thwart off evil minds but for our family’s security as well. It is a 24/7 security anytime and anywhere in the world that you can view your home .

I have been installing cctv for almost 15 years. This vast experience are both in the installation of an analog and ip camera system.

There are many kinds of closed circuit television system in the market especially on online stores. Which one is the best? But before buying, the following should be consider:

Distance – how far is the camera to the recording device. This will determine what should be the lense of the camera. And what kind of camera to use whether an analog or an ip camera. Analog camera can be used for not more than 50 feet away. while ip camera can be used for not more than 100 meters. This will determine also how many lux for the infrared camera for effective viewing. If the cameras location is far from the place you wish to viewed then use a big lense, this will be from 6mm to 12mm lense. Using this kind of lense will have a small angle of view. Using a 2.8mm lense will give you a 120 degrees angle of view, but the view is always in a concave shape.

No. of cameras – how many cameras do you intent to install, this will determine the capacity of the memory you need to buy. The memory is in byte, how many bytes should you use. You can buy a 500 gbyte hard disk drive memory, 1-terabyte, 2, 3 and so on. and what kind of recorder to buy. Recorders are in 4 ch, 8 ch, 16, 32 ch recorder.

Angle of view – this refer to the angle of views with of the camera in relation to the location, the common is 90 degrees angle of view for a 3.6mm lense. For a 2.8mm lense the angle of view will be 105 degrees. The larger the lense, the smaller will be the angle of view. The lesser the angel of view , the greater will be the focus in the view.

Recorder – there are 2 kinds of recorder; if you will use analog camera, you should buy a DVR or digital video recorder. if you are goin to use an ipcamera, you should buy a NVR or network video recorder. For a motion detected recording, a 1-terabyte memory will last from 3 to 4 weeks before the memory will be overwritten by the new recording. This is for a recorder with 4 cameras.

Day or night viewing = almost all can be used for day or night viewing, the difference is the number of lux or illumination and the distance that the night viewing is effective. The lower the percentage in lux the greater is the effectiveness of the camera to record at night. For example, 30meters IR, 0.5 lux cameera; this means that the camera’s effective range for night viewing is 30 meters using an infrared lights and the light needed to record it is almost in the absence of light. The distance pertains to the distance of the camera to the intended location to be viewed. There are cameras that can be viewed in color even during nightime.

Camera – cameras can be fix, ptz (pan, tilt, zoom function), wired or wireless camera. This could be dome type or bullet type. Dome type is commonly use inside the house while bullet type camera is for outdoor that has an ip67 label which is waterproof. The best way is a wired camera for both the analog and ip camera system.

Budget – wired Analog camera which uses a dvr is cheaper than an ip system which uses a nvr.

What Kind Of Cctv To Buy
Kinds of cctv system:

stand alone camera with recorder – for recording, either you use a micro chip card or subscribe to cloud recording. Usually the manufacturer offer a cloud recording for a monthly or yearly basis. The camera could be a wired or wireless camera stand alone system. The cheapest ranges from P500 to 2000.00. This is an easy plug and play installation.
DVR –. Digital video recorder uses an analog camera; for 4ch, the price ranges from 10k to 20k, this include a 500 gbyte hard disk drive memory, 4 cameras, dvr. Labor cost ranges from 1k to 2k per camera that include configuration and installation
NVR – Network video recorder uses an ip camera; for 4ch, the price range from 15k to 30k, labor cost ranges from 1k to 2k per camera that include configuration and installation.
NVR system is highly recommended because of the camera’s high resolution. It can be viewed individually over the net. It can use less cable (utp 6) if it uses a poe switch. Unlike an analog system, the installation is always homerun for all the cameras. If you have 16 analog cameras, the cable wire will all go to your recorder (dvr), while in an ip system, one wire (utp) can be a homerun wire to the nvr.

Technology is changing fast. Many safety devices will soon become internet ready. That will make an analog cctv system be a thing of the past.

Conclusion
The installation of all the security system must be durable, effective and need not be expensive. This is a one time important investment that can ensure the safeness of what is important to us – OUR FAMILY!

For instruction or any inquiries like how to configure your cctv system so that you can view it anywhere, how to install ip camera? please feel free to comment or call or text me. Write your comment for any problems that you have with your camera, with your burglar alarm and other safety devices.

Be sure to insure your house against fire, earthquake, flood, typhoon and other calamities cause by act of nature, you may visit me at

Having work as a seaman, opened up my mind in the realities of life. The harsh story about financial woes which emerges everyday takes us into "Saving Lives"

25/01/2022

How To Minimize Estate Tax In The Philippines
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In the past, only few pay for the estate tax because estate tax in the Philippines is worth a lot. It is a practice to transfer the estate to the beneficiary like children before the estate owner dies. This transfer or any form of transferring the estate to the beneficiary proves s to be disadvantageous on the part of the estate owner. Some of the estate owner dies miserable because without owning anything, he/she will rely on the mercy of the beneficiaries when time comes. So, how can we minimize the estate tax in the Philippines? What should be done with your estate?

What Is Estate Tax?
The only certain in this life are death and taxes. From birth to death, paying taxes are our obligation. Taxes are the bloodline of a nation, without it, the government cannot function effectively.

Estate tax or inheritance tax or death tax is a tax impose by the government for the transfer of the properties left behind by the deceased to the beneficiary/ies. Properties include tangible and intangibles like house , lots, share of stocks, money in banks, business partnership, association membership, jewelries, cars, business rights, etc.

Estate tax are not taxes for the properties but it is a tax to transfer such properties to the beneficiary/ies.

The Best Way To Minimize Estate Tax
To minimize the estate tax, you must understand the train law. In the TRAIN LAW which was approved in January of 2018, estate tax will be fixed at 6% from the net asset. Minimum estate asset of P200,000.00 will be charge with estate tax.

There are 3 ways to transfer an estate to the beneficiary/ies’ ownership:

Donation – Donor’s tax is 6% plus 1.5% doc tax
Sale – which has a capital gain tax of 6 or tax plus 1.5% for doc tax for sale of capital asset, income tax plus 12% vat for sale of ordinary asset or 15% capital gain tax for sale of shares of stocks of unlisted corporation
Inheritance – Estate tax has the least amount of tax among the various ways of transferring the estate. (6%)
How to pay for the estate tax if you have no money? How do you conserve the estate without selling a property? You will definitely sell some or part of the property at a loss before the prescribed period expired for payment of estate tax. Surcharges and other fines will be imposed for the late payment of estate tax. The best way to minimize that problem is to get a life insurance with irrevocable beneficiary equivalent to the estate tax computed from your net asset.

Why Do You Need A Life Insurance?
Why Life insurance? You cannot transfer the ownership of the estate/properties of the deceased if you will not pay for the estate tax. If there is no money for the payment of estate tax, the beneficiary of the estate will either have to borrow money or sell property/ies. In both cases, the beneficiary will lose money.

So Why life insurance? It is because the proceed from the life insurance can be used to pay for the estate tax.

To compute for your net asset: Gross asset less applicable deduction then multiply by 0.06.

example: Gross asset P20,000,000.00
Deduction 5,000,000.00

Net P15,000,000.00

therefore, estate tax = 15M x 0.06 = P900,000.00

For the above example, The estate owner should have a life insurance of not less than 900,000.00 so that this money when the insured died will be used to pay for the estate tax.

The allowable deductions are 4M for your house and 1M for hospitalization. Proof of hospitalization are no longer required for deduction.

Two things will happen when the estate owner dies: that the inheritance will be transferred to the beneficiary/ies upon payment of the estate tax. And, the insurance benefit of the estate owner will be given to the beneficiary/ies. Thus, the insurance benefit can be used to pay for the estate tax. Life insurance proceed is one of the measures in preserving the estate.

Ask your financial advisor regarding life insurance or if you have none, then i can assist you in getting a life insurance coverage that will be used to pay for the estate tax.

Who Are Eligible To Be A Beneficiary
Not all can be a beneficiary of an estate. Even a Will can be void or unacceptable in court if the names listed as beneficiary/ies is not in accordance with the Philippine law. a lawful beneficiary likewise can be disowned by a estate owner provided he/she has ground for doing so like, there is an attempt in the life of the estate owner by the lawful beneficiary. Concubines are not illegible as a beneficiary in a last will and testament. Here are the list of beneficiary:

a. For married:

spouse
legitimate children
illegitimate child/children
b. if you are single

parents if still living, otherwise siblings
illegitimate child/children
c. For widow/er

children
illegitimate child/children
Parents, if no children

Last Will And Testament
Accumulation of wealth is a blessing. It is intended not only to be given to the next generation (our children) but this blessing must also be a means in blessing others. We are merely a steward or manager of the wealth entrusted to us. The true owner is the creator, God. Being a manager, we must manage the wealth productively through estate planning.

Estate planning is the planning of effective usage of accumulated wealth during and after the death of the estate owner. There are three components of estate planning: Estate creation, estate conservation and estate distribution. Of the three components, where does the problem lies? It will always be in the estate distribution. Who will get what?

If you have 3 children and you pass away, those three children will become co-owners of your estate. Your 3 children will be co-owners of your house and all the estates. What will happen then if 2 of the children wants to sell one of the properties like the house? There will be no sale if even one of the co-owners will not approve of the selling of the property. If there are 3 houses, who will get what of the 3 houses? Who will get the piano, the painting, the jewelries and so on.

What will be the solution in estate distribution? It will be the last will and testament of the estate owner.

The last will and testament need to be handwritten, signed and dated by the estate owner. here are advantages of having a last will and testament.

You can state who will get what.
Free portion of the estate will be available to whoever you wish to give, like to your youngest son, your nanny, your favorite parish etc.
Without a will, an extrajudicial settlement must be executed which sometimes require court hearing if there are dispute in the partitioning of the estate/properties.
Estate owner will enjoy the fruit of his labor until the last breath. The welfare of the estate owner will be protected.
The most important reason for a last will and testament – to avoid conflict among the family. Blood is thicker than water but money is thicker than blood. The blood is oftentimes influence by in-laws and by circumstances.
Why are there so many abandoned big houses, big lots, buildings… pass by the the old manila in quezon city, there are lots of houses that are already dilapidated. Sure enough the heirs has money but due to misunderstanding and maybe lack of the last will and testament, those houses become abandoned and maybe subject to court proceedings. If one of the heirs will not sign for the extrajudicial settlement, then the whole process in the inheritance will not push through.

Conclusion
Sometimes, money and property are not a blessing but a curse. Do you want peace in your home and in your family as a whole? Then it is highly recommended that you write the last will and testament now. You can update it regularly if needed like if there is new acquisition of property, if there is new member of the family etc. Anyway, the last will and testament need not be notarized, it is just a hand written notes and almost everyone will respect and obey what was written in the will.

You must consult with an estate lawyer. When you have a problem with your bones you consult an ortho doctor not an ob/gyne doctor. It is the same way with estate tax, consult an estate lawyer. You want your wish to be in the will but it must also conform with the law to make a last will and testament valid. Consult with your lawyer or try Atty Angelo M. Cabrera as he is one of the well known estate lawyers in the Philippines. You may also visit us in https://insurance.rauldolor.com

Reference of this topic comes from the book “Thy Will Be Done”, by Atty Angelo M. Cabrera.

When the Golden Gate Bridge in San Francisco, California, USA was being constructed, nobody wants to work on it because if you fall in the frigid water, surely you will die. The contractor put on a safety net and the bridge was finally built in 1937. Same is true in life, what is your safety net in....