Foreclosing Inherited Property

Foreclosure happens when a borrower defaults in the payment of obligation which is usually secured by a mortgaged property. In any foreclosure proceedings, the objective is to subject the mortgaged property to a public auction. The highest bidder wins and a certificate of sale is issued. In the event the borrower or mortgagor fails to redeem the property within a certain period, usually one year from registration of the certificate of sale, the right to redeem is deemed forfeited and the auction sale buyer can have the title and ownership consolidated in his name. Taxes and fees are then paid. The process ends when the old title is cancelled and a new title is issued in favor of the buyer. 

However, the process becomes tedious, expensive and lengthy when the property is under the name of a deceased owner.

Turning Point 2016

In the life of every nation as in the life of any person, there is a turning point when that life is defined and headed towards what is perceived to be as "success". 

There are milestones which are bound to happen. For an individual, there is puberty, adolescence, marriage or death. For a country, one can think of agricultural development, industrialization and prosperity. For a nation, like the Philippines, it's colonization, independence and global economic prominence.

So the question would be - where are we now as a country and as a nation?

The Philippines is perceived to be making headways in its fight against graft and corruption. Thanks to a national leadership which is committed to change the course of history through a straight path and by exercising political will and instituting reforms. 

Consistency in vision and policies have  allowed President Aquino to have a firm grip on the affairs of government and in leading our nation. It is noteworthy that the Philippines is a country ravaged by a super typhoon, a consequence of climate change, territorial disputes in the high seas, wars and unrests in foreign lands that could spell unemployment for OFWs, global crisis affecting economies, inefficiency in the government service, ideological struggles, threats to the peace process and the continuing problem of poverty. Yet, despite all such concerns, the Philippines is able to move on.

As Filipinos, we are expected to do our part as responsible citizens. Simple things when put together can already make a difference. For instance -

Say no to corruption.

Promote peace.

Obey the laws.

Go environmentally green.

Pay your taxes.

Be vigilant.

Save money.

Give to charity.

Respect the elders.

Protect the children.

Strengthen the family as an institution.

Above all, pray to God.

Aware of the good and the bad things that are in our midst right now, and having done our part as responsible citizens, 2016 must be the turning point for our country and our nation. We've had enough of practically everything which people would not wish for.

2016 is election year and we must insure that it should be the turning point for the Philippines. We know that our vote counts during elections. Our vote should be the embodiment of our hopes, aspirations and our efforts for a better Philippines, and therefore, our vote is sacred and can neither be bought nor swayed by mere popularity of a politician.

We must be vigilant and intelligent enough all throughout this 2015, to distinguish the truth from lies, and facts from fiction. In this way, we can make learned decisions that we will not regret. 

Sustainable "Way of Life"

Sustainability. We often hear and read this, yet nobody seems to pay attention to it. Why? Some people continue to throw their garbage along canals or esteros, others just ignore the importance of waste segregation, vehicles continue to be ill-maintained with so much toxic emissions, carbon footprints in houses are disgusting, and many more that are responsible for climate change that we all suffer and endure today.

Our country had the shock of its life when Typhoon Ondoy came, submerging metropolitan cities under muddy water, and Typhoon Yolanda which flattened regions and rendered millions homeless, jobless, hungry and countless others missing or dead.

After all these years, what have we done to prevent or at least mitigate the effects of global warming and brace up ourselves against future devastations?

Maybe a lot but hardly significant, maybe little and definitely without impact, or maybe none at all - due to sheer indifference.

Change should start from us. From each one of us who cares for the future - particularly those of our children, the future generation. We are responsible for the world of tomorrow that we create today. We cannot ignore the fact that we are stewards and guardians of the future earth. 

Let us begin by looking at every nook and corner of our homes. We can find a lot inside that requires our attention. Old fridge, rotting wood, rusting metals and gadgets, plastics clogging sewerage and canals, and other useless items that contribute to emissions and polluting our own environment with particulates, among others.

Our house systems must be checked likewise. Waste segregation, and the things we buy which must be Eco-friendly, from its simple packaging to becoming a biodegradable waste, and from its production or manufacturing processes to its manner of use or consumption. These may be little things, but they are things that matters and which cannot be ignored. 

Build a sustainable future, be resource efficient and climate change proof our houses and property. 

Act now, lest be disabled later.

Climate Change

Climate change is a significant and lasting change in the statistical distribution ofweather patterns over periods ranging from decades to millions of years. It may be a change in average weather conditions, or in the distribution of weather around the average conditions (i.e., more or fewer extreme weather events). Climate change is caused by factors such as biotic processes, variations in solar radiation received by Earth, plate tectonics, and volcanic eruptions. Certain human activities have also been identified as significant causes of recent climate change, often referred to as "global warming".^[1]

Source: http://en.wikipedia.org/wiki/Climate_change

Greenhouse Gas

A greenhouse gas (sometimes abbreviated GHG) is a gas in an atmosphere that absorbs and emits radiation within the thermal infrared range. This process is the fundamental cause of the greenhouse effect.^[1] The primary greenhouse gases in theEarth's atmosphere are water vapor, carbon dioxide, methane,nitrous oxide, and ozone. Greenhouse gases greatly affect the temperature of the Earth; without them, Earth's surface would average about 33 °C colder, which is about 59 °F below the present average of 14 °C (57 °F).^[2][3][4]

Source : http://en.wikipedia.org/wiki/Greenhouse_gas