EstateRoadmap

• this page contains ian's suggested estated roadmap
• you can easily be rich beyond your wildest dream. each line of heir can retire, live like and king, and still increase their P50 million inheritance to P100 million after 10 years. we just need to follow this roadmap. the roadmap is very easy to follow and there really are no obstacles. we just need to work together as a team.

ESTIMATE VALUE of ENTIRE ESTATE is P700 million

• if our plans pan out, the estimate worth of the estate is actually around P700m conservative.
  • 6.5ha 3816/3817/3820 by the national road: 1.5k/sqm = P100m (50% discount)
  • 4ha 4129/4130-prt by the national road = P60m
  • 48ha: a cemented barangay road will soon pass 4143 (10ha) and 4126/4127 (38ha). this should increase the value from 500/sqm to P1k/sqm = P480m
  • mactan: P60m
  • guba: P15m
  • ------------
  • total: P715m

SUGGESTED RULES and POLICIES

monthly meeting, voting rules

• we will have a meeting every first sunday of the month at 10 am philippine time. mike will setup the meeting via google meet. the agenda will be posted on the chat group before the meeting. christian will take down minutes of meeting and post it in the chat group. if there are no objections posted, it is assumed everyone approves the minutes of the meeting.

• the meeting is where we vote on rules, policies, and decisions. common sense rules and policies will make us very powerful, strong, cohesive and will make you rich beyond your imagination. just trust me on this. common sense rules and policies will easily turn the value of your inheritance from P20 million to P50 million. this is what my very successful uncles tito bunny pages and tito sandi javier told me. everything is just as simple as 1 + 1 = 2. the biggest hindrance to success is pride. pride is a very negative and evil energy that will destroy us and prevent us from achieving our dreams. common sense rules and policies will prevent pride from getting in our way.

• if you want to be rich beyond your imagination, we don't have to like each other. we don't even have to trust each other as long as there are common sense rules and policies. we just need to work professionally as a team. this family is gifted with a diverse set of talent and expertise. if we unite and leverage our talent and expertise, there is nothing that can stop us from conquering the world.

voting rules

• agree that if an heir is absent in a meeting that involves voting for a particular policy or decision, the heir can post his/her vote in the messenger and viber chat group of the heirs.

• for efficiency, not commenting about the minutes of the minuting posted on a chat group means you agree to the accuracy on the minutes of the meeting. although this is moot because meetings are recorded.

define roles of administrator and heirs

• in an estate administratorship, common sense is in charge. not the majority, and not the administrator. the judge acts as a gatekeeper of common sense. example, if i borrow a title to show to a buyer and i don't return it, i could go to jail. or if the administrator impedes a purchase by failing to show the title to a buyer, any heir could report this incident to the judge and the administrator could get in trouble.

• the majority vote is only useful if it's a grey area. even if the majority votes to spend or do something, if it's not within the obvious realm of common sense, any heir can file a motion or request a mediation with the judge and the 8 heirs can get in trouble. if it's a grey area or if it's not obvious if it's common sense or not, that's where the majority vote becomes important because the judge usually sides with the majority. example, the majority can vote to offer a bonus incentive to the administrator to complete all the tasks and milestones of the estate as soon as possible. an heir can still protest the amount of bonus incentive. but even if the judge sides with the protesting heir, or even if the judge lowers the incentive as a compromise, nobody gets in trouble because bonus and incentives are an integral part of doing business and it was decided by a majority vote. however, if the bonus incentive was decided by just 1 or a few heirs without the approval of the majority, then the heirs could get in trouble.

• the role of the administrator is to execute judge orders and the will of the majority. however, to protect the minority from the tyranny of the majority, even a single heir can protest the decision of the majority through a motion, which is what tita jane and tito virgilio did. if the judge considers the motion worthy of a hearing or mediation, the judge will schedule a hearing or mediation depending on the seriousness of the motion. so even if just 1 heir files a complaint in court, the judge will have to look into it. example, even if just 1 heir wants a common sense rule that clearly benefits everyone but is not being implemented, the judge will have to look into it and might get angry why something that is very obvious, simple, and common sense is not being implemented.

• common sense always trumps the law. example, the law clearly states that a special administrator can only sell clothes and jewelry. but the judge authorized me to sell 2 big properties because common sense trumps the law. if i was not allowed to sell any property, it would have caused irreparable damage to the entire estate, which defeats the purpose and spirit of the law. and that does not make any sense.

• but there really is nothing to worry about because it's easy to figure out if something is common sense or not. that's why it's called "common sense". estate laws are very strong and effective in protecting an heir. an estate court judge is like a priest whose mission or vocation in life is to protect an heir from unfairness and injustice. administratorship is actually very simple. we all simply need to do what is obviously right and common sense. that's why i never had to bother getting approval from the heirs in all my expenses because anyone with common sense knows everything i did and everything i spent on benefited everyone and were necessary to save the estate and fix the problems of the estate.

• i think the problems that happened in the past were because our perception of the organizational structure of an estate administratorship is we have the administrator as the leader, and the heirs as followers. we should get rid of that perception. instead, we should perceive our estate as a collaboration or teamwork. everyone should contribute their talent and expertise. everyone should voice out their opinion. it's ok to fight and argue about something as long as in the end, we vote on it and everyone respects the will of the majority. isn't that nice?

all expenses should be posted on the chat group and approved by the majority first

• it would be too complicated and long to set boundaries on what constitutes an obvious expense. it would be more efficient if we just decide that all the expenses need to be approved by the majority. we can just set aside a small budget on petty cash fund for small expenses such as transportation expense to the hearings. we have the luxury to do this because we are not fire fighting or doing emergency tasks anymore like beating the estate tax amnesty deadline.

full transparency

• any change to any of the properties of the estate should be discussed and approved by the majority in the chat group or in the meeting

property selling prices

• the floor selling price of an unpartitioned property should be decided or agreed upon by the majority

deadlines and milestones

• all milestones and tasks should have deadlines and timelines

quarterly accounting report and inventory

• just like in a corporation, a quarterly accounting and inventory of the estate properties should be performed. the titles should be inspected and an accounting report should be presented. this is important because it's easy to lose track of titles especially when there are many interested buyers.

rules on negotating with buyer and showing original title to buyer

• to avoid misunderstandings that happened in the past, and so that negotiations can be a collaborative effort where the expertise and knowledge of the heirs can be utilized and leveraged during the negotiations, the administrator should post on the chat group when there is a meeting with a buyer so that an heir who is available and might be able to help can leverage their expertise in the negotiations.

• as you already probably know, inspecting the original title is a very important step in the due diligence of any interested buyer. as much as possible, it should be the administrator who brings the original title to the buyer for inspection. however, if the administrator is not available, any heir should be able to borrow the title to have it inspected by an interested buyer. or else we could lose out on a potential sale that could be lucrative just because we didn't let the buyer inspect the title.

• every time anyone, including the administrator takes out a common title from the safety deposit box to show to a buyer, it has to be logged in the chat group so it can easily be traced.

• if an heir loses a common title, the cost of re-issuance, which is usually P100k will be deducted from the heir's share in the next distribution or sale of a property.

1%/sale salary to administrator

• atty balili said that according to the law, the special administrator or administrator is entitled to receive 1% of any sale of the property. so ian will receive pelaez (P25m) + mambaling (P30m) = P55m (1%) = P550k.

3% in family commision continues

• we can vote on setting a limit (e.g. P1 million) or agree to give the full 3%. so if the selling price is P100 million, the heir gets a whopping P3 million internal commission.

MILESTONES

• the only way to realize the P700 million estate in our lifetime is that each milestone should be in waiting mode all the time. meaning if there is anything that can be done right now that is necessary to achieve a milestone, it needs to be done imediately even if target milestone is still far away. example, going to the house of theresa garces for the toledo right of way can be done anytime. so it should be done ASAP. but if theresa garces says she is busy and schedules the meeting the next week, that means the milestone is in waiting mode until the scheduled meeting.

Q3 target milestones

assignment of main house to tita georgia and tito mike. ian's remedy if virgilio does not sign

• i'm confident tito virgilio will eventually sign the assignment. but if he doesn't, my suggestion is to file a petition in court where all heirs will testify and tito virgilio is given a chance to air his side. if tito virgilio does not appear in the hearing, then i'm sure the judge will grant the petition considering the overwhelming evidence and number of heirs testifying. in our most recent family meeting, papa brought up this issue and all my siblings said they would be willing to testify in court that the main house should belong to tita georgia and tito mike.

assignment of pagina to lola ica's heirs

• if tito virgilio does not sign the assignment, we will try the same above remedy that i suggested in the main house assignment.

submit partition plan to court

• my suggestion is to partition all the remaining estate properties (including mactan) into the 9 line of heirs. advantages of this strategy are:

make us more nimble in evading AI crash

experts are saying the philippine economy could suffer the most due to AI. most of our industries and jobs such as call centers will be obsoleted or drastically reduced by AI. there is no such thing as a single safe investment. the only way to protect wealth is to diversify as much as possible across all asset classes and geography. this is actually easy to do and i can guide the heirs on what needs to be done. partitioning allows us to sell and diversify quickly. if we don't do this, all the problems we had in the past will be dwarfed by the disaster to your wealth. it would be as if we never met the estate tax amnesty deadlin and had to pay P53 million in estate taxes. it would be as if we had to pay Ang P39 million.

the reason why i was able to retire early is because i saw the 2008 crash coming and not only was i able to prepare, i was able to take advantage. i was warning lots of people but they ignored me because the fed chief and president was assuring everyone there was no danger. but i saw things were not adding up. they all regretted not listening to my advice and i even had a golfing buddy who was contemplating suicide. keep in mind that the philippines is not like the united states who can easily recover. the US is strong in technology, abundant in resources, and the dollar is the world's reserve currency. the philippines don't have any of these advantages.

it can save a life

• i notice that it's a common situation where a hospital won't perform a life saving operation on a patient unless there is a guarantee of payment. sometimes the family will give the title of a property to the hospital as guarantee. i don't think a hospital will accept a title belonging to an estate. breaking up the properties into many titles will serve as multiple medical insurance to the family of the heirs.

the properties are already safely in the hands of each line of heir

• you don't leave problems to your kids. partitioning is the fastest way to ensure all problems are solved in case something happens to you . once the partition plan is submitted to the court, you are now the supreme ruler of your domain and if something happens to you, it will be the kids who is the supreme power of your inheritance. you don't have to worry about your children being tyrannized by the other heirs or the administrator. we don't know if the next administrator is a good person or will defraud your heirs. it's safer to submit the partitioning as soon as possible so that your inheritance will instantly be in the safe hands of your heirs. even if 4126/4127 is under the estate, the MOA and tabular partitioning is very strong. the worse problem your heirs can face is probably just squatters or encroachment.

no need for authority to sell

• authority to sell can take time.

no gubot on selling price

• each heir has different situation and needs. some heirs might be ok to sell at a low price to sell QUICKLY because of urgent financial needs. some heirs might want to sell at a higher price because they can afford to wait. if there is disagreement on price, the disagreeing line of heirs can sell their partition independently at any price they want. no need for heirs to file complaints or motion because the properties are already under each line of heir.

we can still sell a property as a whole

• the difference is there will be 9 titles. however, we still have the option to sell piece by piece if we desperately need cash flow to start coming in. so this is really more of a hybrid strategy where we get the best of both worlds.

cash inflow starts quicker

• when partitioning and selling piece by piece, cash inflow starts quicker, but it takes longer for the entire property to be sold completely. so it's "quicker start, bigger return, but longer completion". selling a big property as a whole is "longer start, smaller return, but quicker completion". that's because the smaller the property, the higher the price and the quicker it is to sell.

protection for heirs who tend to squander

• to get a much quicker cash inflow, an heir can further partition their partition into 200sqm or even 50 sqm lots. the properties will start selling quickly because of the smaller size, but slowly piece by piece over time. this prevents an heir to quickly squander their inheritance.

protect an heir from being forced into selling cheap

• the quick cash inflow will protect an heir from being forced into selling a huge chunk of their inheritance at a very cheap price due to desperation.

prevent the danger of an heir getting a property with unforseen defects

• any heir can request for partitioning and the request has to be granted by the court. the problem is that if the partitioning happens due to the request of only 1 heir (not by majority vote), the lottery or bunot bunot will be property by property.

• so for example if 2 heirs get the 10ha 4143 in the bunot bunot and we lose the reconveyance, that means those heirs practically got nothing. partitioning each lot to 9 heirs assures future risks on hidden property defects are shared among all heirs.

best way to recover the OLTed 27ha

• we will also include 4126/4127 in the partition plan. but will first try to recover the 27ha before we partition the entire 4126/4127 into 9. if it's impossible to recover the 27ha, we will just do a tabular subdivision and MOA into the 9 line of heirs including the 27ha so that we don't lose our first priority rights to farm as the owner cultivator.

• if not all heirs agree to partition lot by lot, then any heir can request to draw lots property by property, which can cause the 27ha to be removed from the estate when the new titles/tax decs are generated. denr will not issue any new tax dec where the 27ha is included because in the bureau of lands record, the 27ha is already in the name of the 52 beneficiaries.

gives instant solid proof that the mactan transfer was in good faith

• if we initiate the partitioning of each remaining properties into the 9 line of heirs AS SOON AS POSSIBLE including MACTAN, this will keep the estate safe from any heir who files a lawsuit regarding the mactan transfer. because the partitioning makes it clear that true intention of the estate was to partition all properties into the 9 heirs including mactan.

• even if the an heir sues in court before the titles are given to the 4 excluded heirs, but a partition plan was already submitted where the property was subdivided into 9 lots, it would be easier for the judge to believe that the original intention was really to give each of the 4 heirs their 1/9 share. because why would the property be partitioned into 9 lots instead of only 5?

• this will also remove doubts from any heir who might believe that the assignment of mactan to only some heirs could also happen to other properties.

ian can be the guinea pig in your journey towards insane wealth

• if we just sell and divide, the most a line of heir can get after all is sold is probably just around P15 million. and it's possible it will take many years before your millions start coming in.

• if we follow my STRATEGY, your millions can start pouring in quickly and can easily total P50 million. your millions can even continue to pour in for many decades and generations. if you read books about the life of billionaires, you will know that you don't need to be smart or hardworking to become very rich. you just need common sense and be a good judge of people's potential and talent.

• for those living out of town, ian will volunteer to fence your properties, make sure no squatters get in, and find buyers.

• there are so many potential projects we can do to the remaining properties such as bedspacing, farming, solar farm, subdivision development, etc ... any heir can follow ian's projects if it becomes successful. the other heirs don't have to take any RISK because if a project is successful, ian will document everything he did and the other heirs can simply follow. if ian's project fails, then the other heirs will be warned not to go into such a project.

• an heir can even significantly lower their project expenses. example other heirs can just use the same design for the bedspacing building. or if ian bought a backhoe excavator for the subdivision development, the other heirs can just borrow. or if ian bought a tractor for their farm, other heirs can borrow the tractor.

• if we don't partition each lot to the heirs, then for sure either tito virgilio or papa will petition for partitioning of the entire estate, and each heir will end up with a different property, so the heir's can't simply follow ian's projects because the location and type of the property will be different.

we still need to survey and partition 3816/3817/3820, 4126/4127, and mactan anyway. and 4130 is already partitioned into 15

• we still need to partition mactan anyway for reasons i just gave.

• we still need to partition 3816/3817/3820 anyway because it's the quickest way to generate cash because the occupants are rich and already told ian they are willing to pay P1,000/sqm for the lots they are occupying. it's also a way for our family to have a PEACEFUL coexistence with the influential residents in the barangay, which is vital for future projects and activities. it's also a blessing in disguise because the quick cash inflow from the occupants can be used for any project an heir wishes to go into.

• we still need to do a tabular subdivision on 4126/4127 anyway because if we sell 4126/4127, we lose our farming rights for the 27ha that was OLT'ed. so the only option is to farm it.

• the only property we don't need to subdivide is guba. so for guba, it's perfectly fine to sell it as a whole.

we can still work together as a team

• just because we are not co-owners of a property, that should not stop us from helping each other and working as a team. example, i'm am not the co-owner of tito mike's jaclupan lot but i did everything i can to help him. it's even better if we are not co-owners because that means we are helping each other because we are family and not because we are forced to. someone does something to help the family even if they don't have to, it will instantly remove any blockers. being co-owners can promote suspicion of self interest.

• the key to a happy and harmonious family relationship is to accept that people can be different and therefore we can have different plans in life. example, if a father wants his son to be a basketball star but his son instead wants to dance ballet, then the father should still support the son and be happy that his son found something he is passionate about. if the son asks, "father, are you not ashamed amongst your friends that i am a ballet dancer. the father should say, "they are just ignorant. ballet is a great art and discipline and i'm proud that my son is a ballet dancer". that's how a family can be happy and harmonious.

• therefore, if an heir wants to develop their share of property instead of sell it, then other heirs should support it. it's perfectly ok to separte 1/9 of the property while you sell the other 8/9. developing a property so that it will earn takes a lot of time and effort. but the problem with me and my siblings based in cebu is we have too much idle manpower because we have no real careers. we have this disease where we can't be regular employees working a 9-5 shift. we can only work for ourselves or the family corporation. if the properties are sold, our family may have lots of money but it will further lower the SELF ESTEEM of me and my siblings because we will feel that we have no purpose in life because we have no real job accomplishments and careers.

• it's a common disease of the pages and javiers. notice javiers and pages are usually artists and business people, we really don't have lawyers and doctors. what my uncles would do is create an office for each of their children and let them report to the office every 9 am. they would be like, "what am i doing in this office?". "who is my boss?". my uncle would say, you are your own boss. your job is to find ways to increase the value of our properties and find ways for it to generate income. that's what i actually did when i was special administrator. i had a virtual office at home i would report to every 9 am in the morning and then i would figure out what can i do that day that would increase the value of the estate. if you read the estate roadmap, there are so many things we can do to increase the value of the estate and these tasks have no obstacles or a lot of them can be done in PARALLEL or independent of other tasks.

annotate 4126/4127 right of way

• atty balili already gave me the MOA ready to be signed by tita georgia and the administrator of the garces estate. it's a mutual benefit situation where we give their 5ha lot the right of way to the national road while they give us the right of way to our 4126/4127 via the boundary of their 5ha lot.

• once the MOA is signed, the value of 4126/4127 should easily increase by P100 million.

• i'm so impressed at lolo munding because the reason we are in the position to make this very lucrative mutual agreement is because when we won the case against ocang and ocang cannot pay the damages, he requested the court simply awards him the small 3,000 sqm lot that would connect our 3.5ha 4129 to the national road. he knew back then that one of us would figure out that to have a right of way to our 65ha 4126/4127 (note 27ha is just farming rights), we simply need to do a mutual MOA with the 5ha lot in between. AMAZING !!!

try to recover the abandoned 27ha or get authorization from DAR to farm it

• in 1972, 27ha of our 65ha 4126/4127 was trasfered to the 50 farmers, each having a half hectar. they are not allowed to sell their awarded lot (unlike CARP). they can only farm it. according to maldo the beneficiaries are now economically well off and they have abandoned or stopped farming their awarded lots.

• we will first try to recover it. if we can't recover it, we will talk to DAR and tell them the situtation. then we we will ask if it's possible to get an official or formal authorization from DAR to till or farm the abandoned 27ha. to avoid misunderstandings and tension, we will talk to the locals to spread the word around, and we will also put up a sign with this message:

• "the OLT awardees have the priority to farm these lots. with the authorization from DAR, the owner-cultivator is currently farming on these OLT lots while the awardees are not using them. any awardee can farm the lots after a harvest by simply notifying the owner-cultivator".

Q4 target milestones

win alferez case

• the mediation resulted in no settlement
• the first hearing still needs to be scheduled because the permanent judge in toledo still needs to be appointed.

win ejection of toledo squatters

• this has already been initiated and submitted to the court. atty balili has already been paid P300k for this.

approved barangay road through 4143/4126/4127

• we should leverage barangay captain chito's requests to our advantage

• kap chito wants to buy 5ha of our 38ha 4126/4127 where he is currently using to do washing on his sand and gravel business. it's the only location where he can do this because he is processing the waste from carmen copper and selling them as sand and gravel. he is also wants to buy a small lot in our 3816/3817/3820. his mother is also one of the 15 title holders of 4143 that we are about to reconvey (note the chief legal officer in DAR atty guanzon told me DAR made a mistake when they awarded the titles to the 15 beneficiaries and all we have to do is file a reconveyance and it would be a slam dunk).

• mayor jojo, ian, georgia, and maldo will setup a meeting with kap chito where we will find a way to make a deal where we give him what he wants in exchange for converting the existing road that goes from the national road to our 4143(10ha)/4126/4127(38ha) into a barangay road. this would easily increase our toledo from P400m to P600m. note that by law, kap chito should have already converted the existing road into a barangay road and secure funds to have the road cemented. that's because the road has been used publicly for more than 10 years and that's the requirement for a road to become a barangay road. the reason kap chito has not done it is because if he does it, it would be easier for us to sell our 4126/4127/4143 and the new owner might not allow him to use the area for his sand and gravel business.

• but we can assure kap chito we won't sell 4126/4127 because we could lose our rights to the extra 27ha that has been abaondoned by the 52 1972 OLT beneficiaries (note each of 52 OLT beneficiaries only has 100-200 sqm and they can't sell it. they can only farm it. so they just abondoned it). this gives us "the owner cultivator" the first priority to farm the 27ha. it's too big to give up. it's also a blessing a disguise because in the future, farm owners will be the new kings of society because the population keeps growing while farm lands keep shrinking and converted into residential housing.

• we also need to inform kap chito that we can't sell him any portion of 4126/4127 until we win the alferez case, the claimants have been removed, and there is an authority to sell from the court. we also inform him that the estate can only sell something through majority vote. but we have a much sweeter deal for him. instead of kap chito spending millions buying the lots he wants, we can:

1. award to her mother the small portion of 4143 that her mother is occupying and transfer it to her name through deed of donation.
2. award kap chito a small portion of 3816/3817/3820 (maybe 200sqm).
3. do an undertaking where we give kap chito the rights to use the portion of 4126/4127 where he is currently using for his sand and gravel business.

• we can do an undertaking where we deliver the above offer as soon as the barangay road has been approved. but note we are not incentivizing kap chito to do anything illegal. we are simply incentivizing him to do his job.

• but the biggest advantage to this deal is that kap chito is now our partner. he needs us. he is feared and highly respected not only in our area but the entire toledo. he even won the election as councilor. he is now a councilor while his wife is the barangay captain. that means he will help us in pacifying and explaining any misunderstandings with the locals. kap chito also has equipments and expertise to build dirt roads. we can hire kap chito to build a dirt road from national road through 4130-prt, 4129 to 4126/4127. we can also hire him to build dirt roads inside our 3816/3817/3820 6.5ha in case we need to or if it increases the value of the property.

Q1 2025 target milestones

survey and partioning of each toledo lots and guba to the 9 line of heirs

• note that 4143-prt (3,000 sqm) and 4129 (3.5ha) have already been surveyed. the mojon coordinates are in ian's facebook album "mohons ..."

• note that 4126/4127 is now only 38ha because 27ha was part of the 1972 OLT. there are 52 farmer beneficiaries, each owning an average of 200 sqm. they have all abandoned their lots because they cannot sell it and they have risen the economic ladder. since the tax dec is under our name, we have the right to farm the 27ha, although we cannot sell it. if possible, we will try to partition 4126/4127 including the 27ha, where each of the 9 direct line of heir will get an almost equal share of the 27ha. this means if an heir wants to sell their share of 4126/4127, they will have to first partition it to exclude their share of the 27ha.

mactan right of way

• according to atty balili, the right of way for mactan is very feasible. one of the lot owners is interested in selling us a right of way to our lot. we will work on this once we have the funds or when we start selling other properties.

STEWARDSHIP of inheritance

• in future meetings, i will once in a while share my experience and expertise in growing your wealth. doubling your inheritance even if you live like a king and don't work is easy to do. it's not a pie in the sky or pipe dream. when i retired in 2009, my networth was only around P30 million. now it's around P100 million.

sand and gravel from carmen copper waste (P2 million a week)

• i already started establishing contacts. my very close golfing buddy named jeff llanto is close friends and classmate with daryll yuvallos, the person who has rights to the carmen copper waste. jeff told me daryll is a very nice guy and he is confident daryll will be willing to do business with me especially after my golf book is published. my golf book is not yet finished but my golfing buddies who read part of it said my book will surely be a world wide best seller and i will become famous in the golf world. my book will probably be finished 1 year from now. my golf book and barrio golf project will be very important in establishing my status and my operational competence.

• all we need now is a rock crusher. we have many options. i can lease one of the idle rock crushers from my dear dear friends and golfing buddies the mantuhac family (edgar mantuhac the father, ian and noel the sons, eugene andales and jaymar binondo the son-in-laws). john perales, the brother of the mayor and tita georgia's close friend can confirm that the mantuhacs are elites in toledo due to their very successful agregate business. they are part owners of liloan golf course, padget condominiums and one tectona hotel in liloan. their family is just like us in terms of educational achievements and competence. the only difference is their family is very cohesive and they always work as a team.

• my dad's classmate in ateneo named boy ramos also has 2 idle rock crushers parked in barili which we can lease or buy.

• in my estimates, we could easily earn P2 million a week or P200k a week per each line of direct heir.

solar farm in 4126/4127/4129

• our partner in this business will be edwin robin, the owner of robinland residences in reclamation and robinland resort in badian. he is still trying to import the solar panels and if he is successful, he will schedule a meeting with me.

farming

• socialism has been proven to never work. so we should till our own land or partition. however, we should all chip in to buy a tractor for common use.

piggery/poultry

• the feasible properties for this is guba and 2.2ha forest timberland across ilag river

bed spacing in mactan (P2m/year per heir)

• note that selling mactan for even P60 million is too cheap. that's because the location just across the foot of the old mactan bridge so strategic and lucrative. it's an automatic cash cow or full occupancy for bed spacing. if you divide 1,700sqm by 9, that's 188sqm/heir. note munoz m5 is only 444sqm yet he was able to build 156 units. that means we can build 63 units. let's be conservative and build only 40 units. there will be 14 units per floor at 12sqm/unit. note that munoz m5 is only 9sqm/unit and it's always fully ooccupied with a long waiting list.

• and remember our mactan lot is much more strategic than our compound in guadalupe. because of the strategic location of our mactan lot, it should be easy to get P7k income per unit. let's be conservative and just assume P4k income per unit or 60% occupancy. that's P4k x 40 = P160k a month or P1.9m a year. so in 6 years, you would have recovered your P6million + P5 million = P11 million. this means the PE ration is 6. note the average PE ratio of an S&P500 company is 24. meaning normally, the price of a property or stock should be 24 times potential or estimated annual earnings. considering the bed spacing on our mactan property is more stable, it should be given a higher premium. but let's be conservative and not give a premium. this still means the price of the mactan property should be P2 million X 9 (lots) X 24 = P432 million. and that's a very conservative estimate.

• every project or construction comes with risk. what if after spending lots of money on the permits and construction materials it turns out the area is prone to flooding? the good news is the other heirs never have to take any risk. i can be the guinea pig. i will document in extreme detail everything i did such as the design and architecture, contractor, where to buy the materials, who i approached to get a certain requirement for the permit, how much i paid for expediting, the best karinderia to eat nearby while waiting, etc ... if my project succeeds, all an heir has to do is to follow my documentation step by step. there's a mantra that says "there is no such thing as a sure investment". but my documentation is like a gift from heaven that makes your investment almost a sure thing.

• all pvc pipes, electrical conduits, and drain pipes will be outside or not buried in the floor or wall. even the toilet drain will be external (which means the toilet will be elevated). this makes it super easy and super cheap to make any repairs and improvements. it would be like playing with lego. we can even vlog it or create a youtube channel and show to the world that the crystal family are innovators and think outside the box. we are not blind sheeps who follow the herd and adhere to outdated and impractical principles.

• imagine that in only 10 years, the P5m you spent for the construction and permits would now be P20m. this is one of the easy ways you can retire early like me, live like a king, and the wealth will keep growing and growing.

• where will you get the P5m for building construction? keep in mind that 3816/3817/3820 is easily worth P100m conservative estimate. 4143 is also worth P100m. you can quickly start accumulating the capital if we subdivide those properties so they would sell quicker. those properties are already titled. we just need to do the slam dunk ejection and reconveyance. that's why we should all try to make our mambaling distribution last long so we have the leverage or time to incentivize atty balili to complete the reconveyance and ejection cases as soon as possible so we can sell mactan to his boss mr. lao.

• my proposal is that if mr. lao wants to buy mactan, we will sell it for P65m. P5m goes to atty tan to reward him for winning the case against Ang. it's the honorable thing to do. atty balili can get P3m commission. we will use it as leverage to complete the toledo ejection, reconveyance and winning the alferez case. the deal is we should not spend a single cent for the right of way. the property is already worth P432 million even without the right of way so it would be foolish for them to refuse the deal. if they refuse the deal, it's a blessing in disguise because it's a P2 million cash cow economic security for each line of heir. if after 5 years there are no buyers, my dad will file for partitioning on the mactan lot to get our 188sqm (1,700sqm / 9) so we can start building our 40 unit munoz style building.

• if lao buys mactan, that means reconveyance, ejection and alferez case should already have finalities. this means you can get your P20m sooner on top of the P6m you just received from mactan. instead of the 40 unit in mactan, you build 100 units in your compound lot. we just need to upgrade the sewage system of the compound to make sure it can accomodate all our units including the 156 units of munoz. you might need to demolish your old house in the compound and rent somewhere else. but with P26 million in your hands or coming soon, what's the problem?

stocks and bonds

• it is actually very easy to make a lot of money in stocks and bonds. you just need to read my blog article: https://ian-crystal.blogspot.com/2015/06/investing-for-dummies.html