#cagayan de oro properties

[realtyhubph-blog]

Pre-owned 1 BR Condo w/ Parking at Madison Park West, BGC

Pre-owned 39 sqm 1 BR Condo w/ Parking at Madison Park West, BGC FOR Sale for only 11.5M!

📍 Madison Park West 7th Avenue corner 36th and 38th Streets North, Bonifacio Global City, Taguig, 1637 Metro Manila, Philippines. 🔹ABOUT THE DEVELOPMENT Madison Park West is a luxury condominium development located in Bonifacio Global City (BGC), Taguig, Philippines. The development is designed to embody a cosmopolitan lifestyle, drawing inspiration from New York City’s Madison Avenue. It aims…

[elena-writes]

Business Interview | Week 9 - 10

De Oro Concepcion Jewelry and Pawnshop

Founded: 1982

Location: Door 467, J.R. Borja Street, Cagayan de Oro, Misamis Oriental

Owner: Liza C. Canlas

Type of Business: Family-owned Sole Proprietorship

Business Model: B2C

Employees: 3

Registration: City Hall of Cagayan de Oro, Bangko Sentral ng Pilipinas (BSP)

Industry: Jewelry and Pawning

Page: https://www.facebook.com/profile.php?id=100093403461719

Established in 1982, De Oro Concepcion Jewelry and Pawnshop is a long-standing family-owned business in Cagayan de Oro. Initially a sideline for the founder’s grandmother, Corazon, the shop evolved into a full-scale pawnshop and jewelry store, meeting the community's needs for quick, accessible loans and affordable, high-quality gold jewelry. Known for fast service and low interest rates, De Oro Concepcion remains competitive in Cogon, a historic commercial hub, and offers discount prices on direct cash jewelry purchases.

2. The QHouse

Founded: 2023

Location: Camaman-an, Cagayan de Oro City

Owner: Keith Daniel B. Tolentino

Type of Business: Sole Proprietorship

Business Model: Platform-based B2C

Employees: 1

Registration: Currently listed on booking platforms, not yet registered with BIR

Industry: Short-term Rentals

Book Now: https://www.airbnb.com/rooms/997369975827043448?fbclid=IwY2xjawGe3mlleHRuA2FlbQIxMAABHV_GmCo_LC2Oy4bCyZ07_Zfpi5c5M-hVyWPU_gDbJb7YGQrtnHj3QDd2tA_aem_TX9kvFdQzyjYNHK_hT51Ww&source_impression_id=p3_1731329821_P3V9i_R84vIuT0dl

The QHouse is a family-owned short-term rental located in Camaman-an, Cagayan de Oro. Inspired by the family’s history in rental businesses, The QHouse adapts to the modern trend by listing its property on online booking platforms. With an emphasis on convenience and accessibility, this modern rental attracts guests for brief stays in Cagayan de Oro, providing an affordable, home-like experience in a prime city location.

3. Photoline Enterprises Corporation

Founded: 1980

Location: SM Downtown, Cagayan de Oro, with additional branches in Centrio Mall and Uptown Mall

Owner: Ramon Tan

Type of Business: Corporation

Business Model: B2C

Employees: 4 (in SM Downtown branch)

Registration: Securities and Exchange Commission (SEC), registered in Cagayan de Oro in 2017

Industry: Photofinishing and Photography Equipment

Page: https://www.facebook.com/profile.php?id=100085911969861

Founded by Ramon Tan, Photoline Enterprises Corporation is a trusted photofinishing business that expanded into Cagayan de Oro’s high-traffic malls. Specializing in professional photo printing and ID cards, they also retail branded cameras and photography gear. Photoline’s competitive edge lies in offering freebie packages with services, ensuring loyalty and popularity in an industry where quality and customer service are paramount.

4. Tines & Co. Events Management Services

Founded: 2003

Location: Cagayan de Oro City

Owner: Libertine R. Bello

Type of Business: Sole Proprietorship

Business Model: B2C

Employees: 10

Registration: Department of Trade and Industry (DTI)

Industry: Events Management

Page: https://www.facebook.com/profile.php?id=100063798223354

Tines & Co. Events Management Services, a 20-year-old events company in Cagayan de Oro, thrives on crafting unique, personalized events that reflect each client’s personality. Founded by Libertine R. Bello, who is passionate about arts and service, Tines & Co. provides customized event packages. The team emphasizes exceptional client service to exceed expectations, building strong client loyalty and a sterling reputation in the local events industry.

5. R & L Builders and Construction Supply Corporation

Founded: 2019

Location: J.R. Borja Extension, Gusa, Cagayan de Oro City

Owner: Rommel Opada

Type of Business: Corporation

Business Model: B2B

Employees: Around 100

Registration: Securities and Exchange Commission (SEC) and Philippine Contractors Accreditation Board (PCAB)

Industry: Construction and Engineering

Page: https://www.facebook.com/RandLBuilders

R & L Builders and Construction Supply Corporation was founded by Rommel Opada, who saw the potential to establish a quality-driven construction company in Cagayan de Oro. Known for best-value engineering projects, R & L Builders serves a wide range of clients in construction, equipment rental, and water drilling. Driven by a commitment to quality and client satisfaction, the company has established a solid foothold as a reliable construction service provider in the city.

Insight Link:

[princessjoyvibora]

Article 1317. No one may contract in the name of another without being authorized by the latter, or unless he has by law a right to represent him.

A contract entered into in the name of another by one who has no authority or legal representation, or who has acted beyond his powers, shall be unenforceable, unless it is ratified, expressly or impliedly, by the person on whose behalf it has been executed, before it is revoked by the other contracting party. (1259a)

University of Mindanao, Inc vs. Bangko Sentral ng Pilipinas

(G.R. No. 194964-65, January 11, 2016)

Facts:

The Board of Trustees was chaired by Guillermo B. Torres of University of Mindanao. His wife, Dolores P. Torres, sat as University of Mindanao's Assistant Treasurer.

Guillermo B. Torres chaired both thrift banks. He... acted as FISLAI's President, while his wife, Dolores P. Torres, acted as DSLAI's President and FISLAI's Treasurer.

Bangko Sentral ng Pilipinas issued a P1.9 million standby emergency credit to FISLAI. The release of standby emergency credit was evidenced by three (3) promissory notes

University of Mindanao's Vice President for Finance, Saturnino Petalcorin, executed a deed of real estate mortgage over University of Mindanao's property in Cagayan de Oro City... in favor of Bangko Sentral ng

Pilipinas.

"The mortgage served as security for FISLAI's PI.9 Million loan. It was allegedly executed on University of Mindanao's behalf.

As proof of his authority to execute a real estate mortgage for University of Mindanao, Saturnino Petalcorin showed a Secretary's Certificate

MSLAI failed to recover from its losses and was liquidated on May 24, 1991. Bangko Sentral ng Pilipinas sent a letter to University of Mindanao, informing it that the bank would foreclose its properties if MSLAI's total outstanding obligation of P12,534,907.73 remained unpaid.

Gloria E. Detoya, denied that University of Mindanao's properties were mortgaged. It also denied having received any loan proceeds from Bangko

Sentral ng Pilipinas.

Petitioner argues that the execution of the mortgage contract was ultra vires. As an educational institution, it may not secure the loans of third persons.Securing loans of third persons is not among the purposes for which petitioner was established.

Respondent argues that petitioner's act of mortgaging its properties to guarantee FISLAI's loans was consistent with petitioner's business interests, since petitioner was presumably a FISLAI shareholder whose officers and shareholders interlock with FISLAI. Respondent points out that petitioner and its key officers held substantial shares in MSLAI when DSLAI and FISLAI merged. Therefore, it was safe to assume that when the mortgages were executed, petitioner held substantial shares in FISLAI.

Petitioner argues that it did not authorize Saturnino Petalcorin to mortgage its properties on its behalf. There was no board resolution to that effect. Thus, the mortgages executed by Saturnino Petalcorin were unenforceable.

Issues: Whether petitioner University of Mindanao is bound by the real estate mortgage contracts executed by Saturnino Petalcorin.

Ruling:

Yes. Petitioner, is correct. Corporations are artificial entities granted legal personalities upon their creation by their incorporators in accordance with law. Unlike natural persons, they have no inherent powers. Third persons dealing with corporations cannot assume that corporations have powers. It is up to those persons dealing with corporations to determine their competence as expressly defined by the law and their articles of incorporation.

A corporation may exercise its powers only within those definitions. Corporate acts that are outside those express definitions under the law or articles of incorporation or those "committed outside the object for which a corporation is created are ultra vires.

The only exception to this, rule is when acts are necessary and incidental to carry out a corporation's purposes, and to the exercise of powers conferred by the Corporation Code and under a corporation's articles of incorporation.This exception is specifically included in the general powers of a corporation under Section 36 of the Corporation Code

Montelibano, et al. v. Bacolod-Murcia Milling Co., Inc.[78] stated the test to determine if a corporate act is in accordance with its purposes:

It is a question, therefore, in each case, of the logical relation of the act to the corporate purpose expressed in the charter. If that act is one which is lawful in itself, and not otherwise prohibited, is done for the purpose of serving corporate ends, and... is reasonably tributary to the promotion of those ends, in a substantial, and not in a remote and fanciful, sense, it may fairly be considered within charter powers. The test to be applied is whether the act in question is in direct and immediate furtherance of the... corporation's business, fairly incident to the express powers and reasonably necessary to their exercise. If so, the corporation has the power to do it; otherwise, not.

Petitioner does not have the power to mortgage its properties in order to secure loans of other persons. As an educational institution, it is limited to developing human capital through formal instruction. It is not a corporation engaged in the business of securing loans of... others.

Securing FISLAI's loans by mortgaging petitioner's properties does not appear to have even the remotest connection to the operations of petitioner as an educational institution. Securing loans is not an adjunct of the educational institution's conduct of business.[81] It does not appear that securing third-party loans was necessary to maintain petitioner's business of providing instruction to individuals.

This court ruled that a contract executed by a corporation shall be presumed valid if on its face its execution was not beyond the powers of the corporation to do.

However, this should not be interpreted to mean that such presumption applies to all cases, even when the act in question is on its face beyond the corporation's power to do or when the evidence contradicts the presumption.

If the facts exist to set in motion the operation of a disputable presumption, courts may accept the presumption. However, contrary evidence may be presented to rebut the presumption.

In this case, the presumption that the execution of mortgage contracts was within petitioner's corporate powers does not apply. Securing third-party loans is not connected to petitioner's purposes as an educational institution.

Parties dealing with corporations cannot simply assume that their transaction is within the corporate powers. The acts of a corporation are still limited by its powers and purposes as provided in the law and its articles of incorporation.

Acquiring shares in another corporation is not a means to create new powers for the acquiring corporation. Being a shareholder of another corporation does not automatically change the nature and purpose of a corporation's business. Appropriate amendments must be made either to... the law or the articles of incorporation before a corporation can validly exercise powers outside those provided in law or the articles of incorporation. In other words, without an amendment, what is ultra vires before a corporation acquires shares in other corporations is still... ultra vires after such acquisition.

Thus, regardless of the number of shares that petitioner had with FISLAI, DSLAI, or MSLAI, securing loans of third persons is still beyond petitioner's power to do. It is still inconsistent with its purposes under the law and its articles of incorporation.

Corporations are given separate personalities to allow natural persons to balance the risks of business as they accumulate capital. They are, however, given limited competence as a means to protect the public from fraudulent acts that may be committed using the separate... juridical personality given to corporations.

Petitioner's key officers, as shareholders of FISLAI, may have an interest in ensuring the viability of FISLAI by obtaining a loan from respondent and securing it by whatever means. However, having interlocking officers and stockholders with FISLAI does not mean that petitioner,... as an educational institution, is or must necessarily be interested in the affairs of FISLAI.

Since petitioner is an entity distinct and separate not only from its own officers and shareholders but also from FISLAI, its interests as an educational institution may not be consistent with FISLAI's.

The mortgage contracts executed in favor of respondent do not bind petitioner. They were executed without authority from petitioner.

Hence, without delegation by the board of directors or trustees, acts of a person including those of the corporation's directors, trustees, shareholders, or officers executed on behalf of the corporation are generally not binding on the corporation.

Unauthorized acts that are merely beyond the powers of the corporation under its articles of incorporation are not void ab initio.

Thus, even though a person did not give another person authority to act on his or her behalf, the action may be enforced against him or her if it is shown that he or she ratified it or allowed the other person to act as if he or she had full authority to do so.

No act by petitioner can be interpreted as anything close to ratification. It was not shown that it issued a resolution ratifying the execution of the mortgage contracts. It was not shown that it received proceeds of the loans secured by the mortgage contracts. There was also no showing that it received any consideration for the execution of the mortgage contracts. It even appears that petitioner was unaware of the mortgage contracts until respondent notified it of its desire to foreclose the mortgaged properties.

Ratification must be knowingly and voluntarily done. Petitioner's lack of knowledge about the mortgage executed in its name precludes an interpretation that there was any ratification on its part.

even though the Spouses Guillermo and Dolores Torres were officers of both the thrift banks and petitioner, their knowledge of the mortgage contracts cannot be considered as knowledge of the corporation.

The rule that knowledge of an officer is considered knowledge of the corporation applies only when the officer is acting within the authority given to him or her by the corporation.

Thus, knowledge should be actually communicated to the corporation through its authorized representatives. A corporation cannot be expected to act or not act on a knowledge that had not been communicated to it through an authorized representative. There can be no implied ratification without actual communication. Knowledge of the existence of contract must be brought to the corporation's representative who has authority to ratify it. Further, "the circumstances must be shown from which such knowledge may be presumed."

The doctrine of apparent authority does not go into the question of the corporation's competence or power to do a particular act. It involves the question of whether the officer has the power or is clothed with the appearance of having the power to act for the corporation. A finding that there is apparent authority is not the same as a finding that the corporate act in question is within the corporation's limited powers.

There can be no apparent authority and the corporation cannot be estopped from denying the binding affect of an act when there is no evidence pointing to similar acts and other circumstances that can be interpreted as the corporation holding out a representative as having authority to contract on its behalf.

Saturnino Petalcorin's authority to transact on behalf of petitioner cannot be presumed based on a Secretary's Certificate and excerpt from the minutes of the alleged board meeting that were found to have been simulated. These documents cannot be considered as the corporate acts that held out Saturnino Petalcorin as petitioner's authorized representative for mortgage transactions. They were not supported by an actual board meeting.

[supremojohndee]

Article 1380 - ObliCon

Art. 1380. Contracts validly agreed upon may be rescinded in the cases established by law.

Pryce Corporation v. PAGCOR

Facts:

Pryce Corporation (formerly Pryce Properties Corporation) entered into a lease contract with the Philippine Amusement and Gaming Corporation (PAGCOR) on November 11, 1992.

The lease was for the ballroom of Pryce Plaza Hotel in Cagayan de Oro City, intended for casino operations by PAGCOR.

An addendum to the contract was signed on November 13, 1992, to include additional hotel grounds for casino personnel.

Local opposition, public rallies, and city ordinances prohibiting casino operations led to the suspension and eventual cessation of PAGCOR's casino activities.

PAGCOR pre-terminated the lease, citing unforeseen circumstances, and sought reimbursement for rental deposits and improvements.

Pryce Corporation demanded payment for accrued and future rentals, invoking the contract's penalty clause.

The Regional Trial Court ruled in favor of Pryce Corporation for accrued rentals but denied future rentals.

The Court of Appeals affirmed the decision with modifications, leading to the present petition before the Supreme Court.

Issue/s:

Whether or not Pryce is entitled to payment of the future rentals for theunexpired period of the contract?

Whether or not the remedy sought by Pryce was Termination or Rescission?

Whether or not the collection by PRYCE of future rentals not give rise to unjust enrichment?

Ruling:

1. Yes. Article 1159 of the Civil Code provides that "obligations arising from contracts have the force of law between the contracting parties and should be complied with in good faith. In deference to the rights of the parties, the law allows them to enter into stipulations, clauses, terms and conditions they may deem convenient; that is, as long as these are not contrary to law, morals, good customs, public order or public policy. Likewise, it is settled that if the terms of the contract clearly express the intention of the contracting parties, the literal meaning of the stipulations would be controlling.

Provisions of the contract, particularly in the Breach of Contract clause,  leave no doubt that the parties have covenanted

            1) to give PPC the right to terminate and cancel the Contract in the event of a default or breach by the lessee; and

            2) to make PAGCOR fully liable for rentals for the remaining term of the lease, despite the exercise of such right to terminate. Plainly, the parties have voluntarily bound themselves to require strict compliance with the provisions of the Contract by stipulating that a default or breach, among others, shall give the lessee the termination option, coupled with the lessor’s liability for rentals for the remaining term of the lease.

For sure, these stipulations are valid and are not contrary to law, morals, good customs, public order or public policy. Neither is there anything objectionable about the inclusion in the Contract of mandatory provisions concerning the rights and obligations of the parties. Being the primary law between the parties, it governs the adjudication of their rights and obligations. A court has no alternative but to enforce the contractual stipulations in the manner they have been agreed upon and written. It is well to recall that courts, be they trial or appellate, have no power to make or modify contracts. Neither can they save parties from disadvantageous provisions.

2. The term "rescission" is found in 1) Article 1191 of the Civil Code, the general provision on rescission of reciprocal obligations; 2) Article 1659, which authorizes rescission as an alternative remedy, insofar as the rights and obligations of the lessor and the lessee in contracts of lease are concerned; and 3) Article 1380 with regard to the rescission of contracts.

1191 v 1380:

The rescission on account of breach of stipulations is not predicated on injury to economic interests of the party plaintiff but on the breach of faith by the defendant, that violates the reciprocity between the parties. It is not a subsidiary action, and Article 1191 may be scanned without disclosing anywhere that the action for rescission thereunder is subordinated to anything other than the culpable breach of his obligations to the defendant. This rescission is a principal action retaliatory in character, it being unjust that a party be held bound to fulfill his promises when the other violates his. As expressed in the old Latin aphorism: ‘Non servanti fidem, non est fides servanda.’ Hence, the reparation of damages for the breach is purely secondary.

Termination v Rescission

On the contrary, in rescission by reason of lesion or economic prejudice, the cause of action is subordinated to the existence of that prejudice, because it is the raison d’etre as well as the measure of the right to rescind.

Rescission has likewise been defined as the "unmaking of a contract, or its undoing from the beginning, and not merely its termination." Rescission may be effected by both parties by mutual agreement; or unilaterally by one of them declaring a rescission of contract without the consent of the other, if a legally sufficient ground exists or if a decree of rescission is applied for before the courts.

Termination refers to an "end in time or existence; a close, cessation or conclusion." With respect to a lease or contract, it means an ending, usually before the end of the anticipated term of such lease or contract, that may be effected by mutual agreement or by one party exercising one of its remedies as a consequence of the default of the other.

Thus, mutual restitution is required in a rescission (or resolution), in order to bring back the parties to their original situation prior to the inception of the contract.24 Applying this principle to this case, it means that PPC would re-acquire possession of the leased premises, and PAGCOR would get back the rentals it paid the former for the use of the hotel space.

In contrast, the parties in a case of termination are not restored to their original situation; neither is the contract treated as if it never existed. Prior to its termination, the parties are obliged to comply with their contractual obligations. Only after the contract has been cancelled will they be released from their obligations.

In this case, the actions and pleadings of petitioner show that it never intended to rescind the Lease Contract from the beginning. This fact was evident when it first sought to collect the accrued rentals from September to November 1993 because, as previously stated, it actually demanded the enforcement of the Lease Contract prior to termination. Any intent to rescind was not shown, even when it abrogated the Contract on November 25, 1993, because such abrogation was not the rescission provided for under Article 1659.

3. Future rentals cannot be claimed as compensation for the use or enjoyment of another’s property after the termination of a contract. We stress that by abrogating the Contract in the present case, PPC released PAGCOR from the latter’s future obligations, which included the payment of rentals. To grant that right to the former is to unjustly enrich it at the latter’s expense.

However, it appears that Section XX (c) was intended to be a penalty clause. That fact is manifest from a reading of the mandatory provision under subparagraph (a) in conjunction with subparagraph (c) of the Contract. A penal clause is "an accessory obligation which the parties attach to a principal obligation for the purpose of insuring the performance thereof by imposing on the debtor a special prestation (generally consisting in the payment of a sum of money) in case the obligation is not fulfilled or is irregularly or inadequately fulfilled."

Quite common in lease contracts, this clause functions to strengthen the coercive force of the obligation and to provide, in effect, for what could be the liquidated damages resulting from a breach. There is nothing immoral or illegal in such indemnity/penalty clause, absent any showing that it was forced upon or fraudulently foisted on the obligor.

In obligations with a penal clause, the general rule is that the penalty serves as a substitute for the indemnity for damages and the payment of interests in case of noncompliance; that is, if there is no stipulation to the contrary, in which case proof of actual damages is not necessary for the penalty to be demanded. There are exceptions to the aforementioned rule, however, as enumerated in paragraph 1 of Article 1226 of the Civil Code: 1) when there is a stipulation to the contrary, 2) when the obligor is sued for refusal to pay the agreed penalty, and 3) when the obligor is guilty of fraud. In these cases, the purpose of the penalty is obviously to punish the obligor for the breach. Hence, the obligee can recover from the former not only the penalty, but also other damages resulting from the nonfulfillment of the principal obligation. 

In the present case, the first exception applies because Article XX (c) provides that, aside from the payment of the rentals corresponding to the remaining term of the lease, the lessee shall also be liable "for any and all damages, actual or consequential, resulting from such default and termination of this contract." Having entered into the Contract voluntarily and with full knowledge of its provisions, PAGCOR must be held bound to its obligations. It cannot evade further liability for liquidated damages.

[gabkyun]

W14: Final Pitching Experience

Months of research and development came to a head as we unveiled StayFinder, our innovative platform for finding boarding houses and pads in Cagayan de Oro City. In-depth interviews with both property owners and tenants provided the foundation for StayFinder. We showcased its features and impact through a captivating video.

Presenting StayFinder filled us with pride. It wasn't just about the tech; it was about making a difference. This wasn't the finish line, but a major milestone. We're excited to keep refining StayFinder based on your feedback and market needs.

[liceouniversity01]

The Role of Music in Healing and Wellness

Music is considered therapy by a good chunk of the population. It is something we regularly enjoy. Music is deeply rooted in our local culture. It provides physical, emotional, and psychological benefits to its listeners. Moreover, the Philippines prides itself on solid musical traditions and diverse cultural heritage from various local ethnic groups. Even now, the country still excels in both classical and modern music and is recognized globally.

In Cagayan de Oro, the Bachelor of Music in Music Performance program is notable for aspiring musicians to enroll. It focuses on the basic and advanced components of music. However, it involves rigorous tasks that may only be for some. So, it is essential to consider many factors, such as your passion, interest, and the field you think you will excel the most.

Definition and Significance of Music in Healing and Wellness

Music is an art and a tool fostering healing and wellness. It also positively impacts individuals on a deeper emotional, psychological, and physical level. It emphasizes that music is crucial in alleviating stress, managing pain, and fostering emotional expression due to its unique effect.

On the other hand, Cagayan de Oro also has a musical history that dates back to the old centuries and remains significant, allowing various local artists to establish their respective careers, especially after taking up a Bachelor of Music in Music Performance. The local music scene has evolved and is considered an essential part of Filipino culture.

Music for Stress Reduction and Relaxation

Music is everybody's go-to tool whenever they have to deal with stress. Music, for the most part, is known to foster general relaxation that helps individuals take a break from all the hustle and bustle. Musicians, on the other hand, primarily perform on stage to entertain listeners, which has always been the goal of music apart from sharing your musical creativity.

The role of music in stress reduction

In music, there is an emphasis on how specific melodies, rhythms, and musical compositions can trigger relaxation responses in the brain. As a result, they lessen your stress levels and calm your overall nervous system. This fact will be discussed in specific classes, especially after enrolling in the Master of Music in Performance in Cagayan de Oro.

How music aids relaxation and promotes well-being

Music, in particular, contains soothing and therapeutic qualities that foster relaxation, mood enhancement, and healthy contributions to your well-being. Additionally, music helps create a tranquil atmosphere that helps individuals to develop mindfulness and mental clarity. Consequently, this gives individuals a convenient way to seek calming properties.

Personal anecdotes and testimonials

Music profoundly resonates with individuals on different levels. Music allows individuals to relate their personal stories better through music, allowing them to feel at ease. The purpose of gathering personal anecdotes and testimonials is to provide a more humanized perspective on the scientific parts of music. They serve as:

Emotional Connection

Relatability

Inspiration and;

Awareness and Advocacy

Conclusion

We all enjoy music, but only some plan to establish a career. However, aspiring musicians can learn chunks of lessons from its primary to its advanced components. Initially, individuals should consider finding an educational institution that offers a Bachelor's degree in music or a Master's in Music if they have completed their primary education.

Liceo de Cagayan University has been known as one of the top educational institutions in the region that excels in music. Once you learn more about the university, you will find out they host various music-related events in their respective venues. Lastly, we help you establish your desired career in music by visiting our website or calling us.

[seanixtravelvlog]

Traveling in Camiguin Island

Certainly! Here's a blog about traveling to Camiguin Island:

Discovering Paradise: A Guide to Traveling in Camiguin Island

If you're looking for a serene and tranquil getaway, Camiguin Island is the place to be. Located in the Northern Mindanao region of the Philippines, Camiguin Island is a small island that packs a big punch. From its stunning natural attractions to its rich culture and history, Camiguin Island has something for everyone.

Getting There The easiest way to get to Camiguin Island is by taking a flight from Manila or Cebu to Cagayan de Oro City. From there, you can take a bus or van to Balingoan Port, where you can catch a ferry to Camiguin Island. The ferry ride takes around an hour.

What to Do

White Island The most popular attraction in Camiguin Island is White Island. This uninhabited sandbar boasts crystal clear waters and stunning views of the island. You can rent a boat from the mainland and spend a day lounging on the sandbar, snorkeling, or swimming in the clear waters.

Sunken Cemetery The Sunken Cemetery is a historical site that was submerged in water during a volcanic eruption in 1871. It is now a popular snorkeling and diving spot, where you can explore the underwater ruins of the cemetery.

Katibawasan Falls Located in the town of Mambajao, Katibawasan Falls is a picturesque waterfall surrounded by lush greenery. The cool and refreshing waters of the falls make it a popular spot for swimming and picnics.

Ardent Hot Springs Ardent Hot Springs is a natural hot spring located in the town of Mambajao. The water is believed to have therapeutic properties and is a popular spot for relaxing and unwinding.

Old Church Ruins The Old Church Ruins are the remains of an old Spanish church that was destroyed by the volcanic eruption in 1871. The ruins are now a popular spot for taking photos and learning about the island's history.

Where to Stay There are several accommodations in Camiguin Island, ranging from budget-friendly to luxurious. Some of the most popular ones include Paras Beach Resort, Guerrera Rice Paddy Villas, and Camiguin Island Golden Sunset Beach Club.

What to Eat Camiguin Island is known for its fresh seafood and local delicacies such as pastel, a sweet bun filled with meat or sweet fillings. Other popular dishes include tinolang isda (fish soup), sinuglaw (a combination of grilled pork belly and ceviche), and lechon kawali (deep-fried pork belly).

Conclusion Camiguin Island may be a small island, but it offers an abundance of natural attractions, cultural experiences, and culinary delights. From relaxing on White Island to exploring the underwater ruins of the Sunken Cemetery, Camiguin Island is a destination that should be on every traveler's bucket list.

[rdpunzalan]

Article 310 of the Family Code

CASE DIGEST:

G.R. No. 85140. May 17, 1990 TOMAS EUGENIO, SR., Petitioner, v. HON. ALEJANDRO M. VELEZ, Presiding Judge, Regional Trial Court, Branch 20, Cagayan de Oro City, DEPUTY SHERIFF JOHNSON TAN, JR., Deputy Sheriff of Branch 20, Regional Trial Court, Cagayan de Oro City, and the Private Respondents, the petitioners in Sp. Proc. No. 88-55, for "Habeas Corpus", namely: CRISANTA VARGAS-SANCHEZ, RAYMUNDO VARGAS, ERNESTO VARGAS, NATIVIDAD VARGAS-CAGAPE, NENITA VARGAS-CADENAS, LUDIVINA VARGAS-DE LOS SANTOS and NARCISA VARGAS-BENTULAN, Respondents.

Facts: 

On August 28, 1988, Vitaliana passed away. Unaware of Vitaliana's passing, her siblings petitioned the Misamis Oriental Regional Trial Court on September 27, 1988, claiming that Tomas had seized her without her will and imprisoned her in his opulent home in Jasaan, Misamis Oriental, sometime in 1987. The writ of habeas corpus was issued by the trial court, but it was returned unsatisfied. Tomas argued that a corpse cannot be the subject of habeas corpus proceedings and that he already had a burial permit when he refused to turn over Vitaliana's body to the sheriff. Tomas asserts that he has legal custody of her body because he is her common law husband. The RTC handled the custody dispute involving a deceased person and gave her siblings custody of Vitaliana's body.

Issue: 

Whether or not the RTC was correct in its ruling.

Held: 

It was right to give Vitaliana's living siblings and brothers custody of her dead body. The Revised Administrative Code's Section 1103 provides:

"Persons charged with duty of burial - the responsibility of burial shall fall to the nearest relatives of the deceased if the deceased was an unmarried man or woman or a child and left any kin."

Common law marriages are not recognized by Philippine law. In common law jurisdictions, but not in the Philippines, a man and a woman who are not officially married but who live together for a long time as husband and wife, who pose as husband and wife in public, and who are widely believed to be husband and wife, may be regarded as legally wed. While it is true that our laws do not simply ignore the existence of such relationships in our society and the fact that they create a community of properties and interests that is subject to legal regulation, case law has established that such co-ownership necessitates that the man and woman living together must not be rendered in any way incapable of entering into a marriage. Tomas's ongoing marriage to a different lady is a legal obstacle that prevented him from even formally marrying Vitaliana. 

[cagayandeororealty-blog]

4 Reasons That Will Make You Want to Get A Townhouse

Today’s generation has seen a surge in people wanting to live in the city. Professionals starting their own families are moving to urban cities in the hope of finding jobs in big corporate businesses from the tall buildings. However, jobs are not the only thing these young individuals are looking for in tall buildings. As they move to the cities, they will also need homes to live in.

These homes, however, are not your typical house, with one or two floors and a front lawn. What’s trending today, instead, are townhouses. In Cagayan de Oro, there are is a growing number of townhouses, giving more opportunities for young professionals in the city and those from neighboring regions in cities. Cagayan de Oro Realty is one of the prominent agents of housing projects who can help you find an affordable townhouse in CDO.

One such townhouse we can help you find a unit in is Bamboo Lane, located at the Pueblo de Oro Township and is the first three-storey townhouse project in CDO. These houses are even expandable and easy to renovate.

For those who are thinking about purchasing their very own unit, these lists of advantages of living in a condo may help you in deciding:

#1 Your Personal Space There are many alternatives such as apartments or renting out a room in a house. If you have a relative in the city, they can also offer your space to live in. However, there are disadvantages to these living arrangements. Apartments usually only have limited space and facilities. At times, you have to supply the furniture such as the bed, the table, chairs, and the cabinets and drawers. There are also cases when you’re only renting a room or space you have to share a communal bathroom with the other tenants. When you live with relatives, and when they have kids, you may find the place too crowded.

With townhouses, you have the choice to no longer have to purchase a bed frame, dining sets, and cabinets as you can have it fully-furnished. They also have their very own bathroom. Thus, you don’t have to share and wait for other tenants when you desperately need to use the bathroom. Since you get the entire place to yourself, you also don’t have to think about not being able to rest or get some quiet time due to chatty relatives or kids. With your own unit, you can do whatever you want!

#2 Low Maintenance Due to their size, townhouses are low maintenance and very easy to take care of. If you are the only occupant in your unit, there’s also less mess to clean, and you can quickly sort your things when you have a cleaning spree. Furthermore, townhouse units are also new, so there are lesser chances of leaks and other damages.

#3 Location Most housing projects and subdivisions where you can get a good house are usually located in areas in the city that may be far from your workplace. With that, you have to get up extra early to be able to get to work on time, and you may also come home late during the evenings. If you have nothing to do during the weekends, you’ll also have to take some time just to get to the mall or other establishments. Townhouses, however, are located very close to the city proper itself. Therefore, you don’t have to stress and think about the travel time in going to work, coming home after, and going to establishments during your free time. Townhouses by Cagayan de Oro Realty are also conveniently just a short ride away from malls.

#4 Safe and Secure Townhouse units are watched over by guarded by security guards and CCTV cameras. They also have safety systems in case of emergencies such as sprinklers and smoke detectors. These make it more appropriate for individuals who live on their own and leave their homes for work.

For more information about our available townhouses, or a townhouse in Bamboo Lane for that matter, you may visit this link: http://cagayandeororealty.com/very-accessible-3-story-townhouse-cagayan-de-oro/.

[annabelbrown423]

5 Factors To Think About Before Getting A New Home

Purchasing or building a new home can be a tough task, even at the best of time. In today's real estate market, buyers now have lots of things to consider when searching for the perfect home to purchase. With so many choices it is necessary to understand and find some factors to ensure that you get your dream home. Furthermore, where you choose to build or buy your home plays a huge role in your ability to accommodate both future and present needs. More importantly, it also has some impact on your finances and environment. When choosing a new home, here are factors you need to consider.

LOCATION As the famous real estate adage goes: Location, location, location. The area of a building can make a huge difference in the livability and value. Moreover, it is not easy to relocate to a new building, so it is preferable to consider the location of the home first before you fall in love with the property. You can't afford to buy a dream house without considering the proximity of your workplace, the establishments, and even your children’s school. A Brown Company, Inc. is one of the largest builders and developers in Cagayan de Oro and offers a house and lot for sale in various parts of the city.

PRICE OF THE PROPERTY After carefully selecting the location of your new home, what's next for you to do is to gauge the price range that is comfortable with your budget, a budget that you're willing to spend and work with. It is all about knowing the exact amount you are ready to put into buying, renting and maintaining the house. You also have to consider your cost for groceries, gasoline, electricity, taxes, and water. It is also advisable for you to ask yourself questions such as ”Will I have to sell my former house before I can afford it? Which property will fit my budget? What home size will fit my need?” By thinking about these, you will be able to choose a house that will not negatively affect your wallet.

YOUR DESIRES Create a layout of your plans and understand what you want. Whether your priority is the beauty of the building or the living style, it is essential to ensure that you purchase a house you will be glad to pull up to daily. Since style and beauty are the most captivating parts of a building, choosing a style of architecture that blends in with your personality is critical.

SECURITY Security is one of the key factors you need to decide on when you are starting your hunt for a great real estate. You can begin by looking out for communities in areas that have low crime rate with an excellent safety reputation. Although a house in a neighborhood with tight security might be more expensive, it's well going to worth the investment.

DESIGN AND FEATURES One of the most rewarding parts of purchasing a home are the designs and the features. Hence, you should consider the size of the house, the number of bedrooms you would prefer to have, as well as extra rooms such as a study or recreational room. All in all, you take into consideration the mix of architecture, color style, and other custom features you desire.

Such factors are what A Brown Company, Inc. also keep in mind when developing real estates and housing developments. Our latest project, Ignatius Enclave in Upper Balulang, is a recommended choice for many homeowners. A drive to significant establishments such as schools, malls, and churches only takes 3 kilometers. It is also gated and secured, offering safety to its residents. More importantly, its designs and features make use of modern housing concepts and are painted in colorful and vibrant hues of blue, green, orange, and yellow. Truly, it is a home where a family can feel safe and comfortable.

[realtyhubph-blog]

Foreclosed Studio 1529 The Linear Makati

Own a Makati studio condo for less! This foreclosed unit (24 sqm) at The Linear awaits. 15th floor, great amenities. Cash or Bank Financing. Viewing by appointment (3 days' notice). Contact JM Listings: +63968-649-9260

📍 Unit No. U1529, 15/F, Tower 2A, The Linear, corner of Malugay and Mayapis Sts., Brgy. San Antonio Village, Makati City 🔹ABOUT THE DEVELOPMENT The Linear Makati is a prominent mixed-use development located in the heart of Makati City, specifically at the corner of Mayapis, Malugay, and Yakal Streets in Barangay San Antonio. Developed by Filinvest Land, this project consists of two 24-story…

[abrowncoinc-blog]

A First-Time Homebuyer's Guide to Buying a Home

We make some pretty significant purchases over the course of our lives that make us a tad bit emotional - that red sports car, a Chanel handbag, or that trip to Europe we’ve always dreamt of. None, however, can ever compare to the roller coaster of emotions of buying a first home.

Our homes represent more than just our financial capabilities; it’s where we experience many firsts, where we find comfort after a long day at work and where we are able to raise a family. A home is more than just four walls and a roof. A home is where you begin a new aspect of your life, and it’s only right to find and choose the right place to start.

Buying a home, however, just doesn’t happen overnight. It requires a lot of time and a tedious but crucial process - and here are 4 basic steps you can take in purchasing your first home:

       1.   Ask If You’re Ready In many cases, a home is a permanent commitment. It costs a lot more than renting. Once you decide to purchase one, it would be fairly difficult to back out. Ask yourself if you’re ready for a commitment that does not only require time and effort but a substantial amount of money as well.

       2.  Determine Your Budget Frankly speaking, one can’t purchase a huge house on a shoestring budget. On the other hand, if you spend too much on a house, you won’t be able to address other important needs like daily expenses, emergency savings, or saving up for retirement. You need to consider the actual amount of money you can spend and stick to it. Do not stretch your budget; otherwise, you might end up with a huge pile of debt.

       3.  Scout for a Loan Getting a loan approved prior to buying a house prevents you from overstepping your budget boundaries. Scout for the best loan offer, and when you find it, you can then start looking for a house.

       4.  Look for a Good Realtor Find someone who works in your area. These realtors will know the best neighborhoods and specific details like the nearest hospital and what-not. Next is to make sure the realtor is competent. He/she should understand your wants and needs and look for offers that are best suited for you.

Purchasing a home is a major milestone. Consider these steps and avoid first-time home buying mistakes. Be prepared, and help safeguard your finances in the process.

Thus, if you’re looking for Cagayan de Oro real estate houses for sale, let licensed and experienced realtors do the search for you.

Check out one of A Brown Company, Inc.’s projects, Coral Resort Estates, for a glimpse of one of the beautiful developments it has done over the years. For more details, visit their website at http://www.abrown.ph/real-estate/.

[princessjoyvibora]

Loss of the thing

Art. 1263. In an obligation to deliver a generic thing, the loss or destruction of anything of the same kind does not extinguish the obligation.

Illustration:

Loss of the generic thing --------does not extinguish the obligation

Gaisano v. Insurance Company of North America

(G.R. No. 147839, June 8, 2006)

The Gaisano Superstore Complex in Cagayan de Oro city, was consumed by fire which destroyed clothing material which were still being paid for by Gaisano to it's supliers. The Insurance Company paid the claims of the suppliers and sought reimbursement from Gaisano. The latter stated that the fire is fortuitous event and hence it should not be liable.

Issue: Whether or not Gaisano Superstore Complex are liable to the loss of goods by fire?

Ruling:

Yes, Gaisano Superstore Complex are liable to the loss of goods by fire. Under Article 1263 of the Civil Code, In an obligation to delivera generic thing, the loss or destruction of anything of the same kind does noty extinguish the obligation. Therefore, it is not excuse by fortuitous loss of any specific property of the debtor.

[softwater3452]

Hydrogen Peroxide Therapy: Benefits And Side Effects

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Tritium-helium getting older puts the water at ages between 18 to seventy two years. Recharged charges of 422 to 625 mm/year have dechlorinators palm beach been calculated for Cagayan de Oro City. Flow path from highland recharge areas to rift discharge areas.

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[gabkyun]

W11: Midterm Pitching Experience

Our recent research into Cagayan de Oro's rental market culminated in a successful midterm presentation. Through interviews with landlords at boarding houses and apartments, we gained insights into the often-overlooked challenges they face. Presenting these perspectives, we aim to raise awareness about the complexities of managing rental properties in the city.

This research isn't just about landlords. By understanding their challenges, we can create a more balanced rental ecosystem for both landlords and tenants in Cagayan de Oro. Stay tuned for future posts where we delve deeper into specific aspects of the market, offering valuable tips for both parties.

[danarcheia]

A 2 Days Lecture Series That Will Inspire You On Starting Your Own Business.

The 2 days lecture series that is worth your while was held on the University Convention Center in Central Mindanao University on November 23, and November 25, 2022. This series will definitely change your mind set (in a good way!) on start-up business. Here is my summary of the said event:

Day 1 Lecture

The lecture series would not be possible if we did not have guest speakers who will share their expertise and knowledge (or perhaps their secrets) on how they made their way to success from starting a start-up business. Engineer Bronson Mabulay is one of the motivational speakers, a BS in Computer Engineering graduate and  is now employed at the University of Science and Technology of the Southern Philippines in Cagayan de Oro City. He imparts a lot of knowledge from the start-up ecosystem, including details about its various stages and various start-up organizations. He also went over the steps for achieving a larger framework once inside the business. On the later part he got into detailed on the types of Philippines Innovation and Initiatives giving emphasis on the possible grants and support for start-up business based on the innovative start up act.  The first few hours of lecture was already packed with insightful knowledge that will help us if we plan to start business in the future.

Our next speaker is a CEO and manager of his own company, Mr. Arnel Arreglado. He is one of the coolest and kind CEO I personally met. Mr. Arnel shares his personal experience how he was able to achieve what he had today and also explained how having a proper mind set will change everything in your life. I would say Engr. Bronson focus on much practical aspect on the business while Mr. Arnel gives us knowledge on much personal aspects in life.  I personally enjoyed their lecture and definitely learned a lot from them. Our first day was filled with knowledge and inspirations from our speakers and was ended with closing remark from sir Von.

DAY 2 Demo Day and Pitching Event

The second day of the event was undoubtedly the most dreaded for students because it was the day when they would pitch their product/services in front of the panelists and audience. But, before the pitching event, another speaker gives us a brief overview of the importance of trademark, copy right, and patent searches, as well as the consequences of failing to protect intellectual property. Following the discussion, the pitching began, which was prepared by students from various colleges, years, and sections who were all studying The Entrepreneurial Mind. There were 22 pitchers in total who will present their ideas and hopefully persuade the panelists of their viability as a start-up business.

So in our start-up business, we presented the CMU (Cycling Me and U) which is a bicycle renting service exclusively for students in Central Mindanao University. I personally love the idea in our start-up business but I can’t deny that there are also amazing and unique pitches from other group so the competition is tight. And since we happened to perform second to the last, I was able to keep a top 5 list of my personal favourite pitches throughout. These are (in no particular order) hatod, sugo, Shellf Plus, CMU, Electro Flask.

 All of the ideas were actually amazing and unique and I really enjoyed their pitches to the point that I didn’t notice the time. It was past 7 when the lecture series officially ended. It was one of the most enjoyable and insightful event where you could learn and be inspire. The knowledge and expertise they share could help big time especially for those who are planning on start-up business. At this point if we really wanted to we could already start our own business. With these knowledge added with hard work, perseverance and good attitude anything is possible.