QUALITY HOME. QUALITY LIFE

Established in 2012, Rubysapphire Land Corp. was created with the idea that every family deserves a quality and affordable home that can last for generations. Through proper value-engineering, we aim to provide affordable homes without compromising on quality and aesthetics.

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NEWS & ARTICLES

3 Important Advice After Buying Your New Home

Finance|

  1. Know Your Emergency Numbers
    • Keep a record of the important numbers such as the Local Police Station, Fire Station, Hospital. Of course, remember the Philippine Emergency Hotline too – 911.
    • As much as we want to avoid calling those numbers, you can never know when you need to!
  2. Pay Your Taxes
    • Once your home has been turned over to you, you will be responsible for the Real Property Tax of your property. If you don’t pay, the Local Government Unit (LGU) has the right to auction off your property.
    • Here’s a tip: If you want a discount on your Real Property Tax, pay in advance!
  3. Pay Your Monthly Amortization
    • Just because you are already living in your house doesn’t mean that you can skip or “forget” to pay your monthly payments. You will be charged for penalties or worse, your house can be foreclosed.

3 Questions to Ask Before Buying Your New House

Featured, Finance|

Are you ready to take the next big step in your life? Buying a new house is an investment which you must carefully consider before going into. After years of hard work, you will finally be able to claim the rewards of your labor. But before you dive into it, ask yourself these 3 big questions.

 

  1. Why am I buying a house?
    • Know your purpose
    • Do you intend to move-in immediately?
      • Pre-sold units are normally turned over in 9-12 months, depending on the developer’s completion and construction period. What’s good about pre-sold units is that they are sold at much lower prices than Ready For Occupancy (RFO) units and you get to pick the units you want before someone else gets them!
    • Who are you buying it for?
      • Maybe you’re buying it for your growing family, for your parents, for yourself or as an investment, these will help you decide what kind of a house you’ll need. Is a one bedroom unit enough for you? Do you need two bedrooms for you and your kids?
  2. What do I want?
    • Know your preference
    • Where do you want to live?
      • A big factor for choosing a home is where it’s located. Maybe you want to be near a mall, a church, a school, or even a hospital. Consider the accessibility to establishments you would want to be near to.
      • Another thing to consider is the neighborhood you will be living in. After all, they will be your neighbors and new-found friends for the years to come.
  3. Can I afford it?
    • Know your budget
    • Once you have decided to buy a home, you will be paying monthly amortization. Spend within your means. This will also help you in narrowing down your home options.

 

Ask yourself these 3 main questions to guide you in buying your future home!

7 Tips in Balancing Your Checkbook

Finance|

Having a checking account is a big responsibility. You need to have discipline. You need to know how to keep track and budget. However, using checks has its advantages. You can keep track of where your money goes. You won’t have to carry large amounts of money. You can also establish your good credit score – which you will need if you plan on making a loan.

Chances are, if you’re reading this article, you’re either planning to open a checking account or you want to find out the best ways to use your checkbook. Hopefully, these tips will help you make the most out of your checking account.

  1. Research
    • If you’re planning to open a checking account, ask your current bank for the requirements in opening a checking account. Ask for their policies such as on the maintaining balance, bouncing check fee, and such.
    • If you don’t have an existing account, compare different banks. Different banks have different policies. Some may have a lower maintaining balance. Some may also require you to open a savings account with them first for at least six (6) months.
  2. Fund your account
    • Most banks have a minimum maintaining balance requirement. This would mean that you always have to keep at least that amount in your account. Keep your account well funded to avoid incurring penalty fees.
  3. Keep Track of Your Account
    • Write your transactions on the first few pages of your checkbook.
    • Enroll your account with your bank’s Internet banking facility. This will help you track your transactions more efficiently. You won’t have to keep lining up at the branch to update your passbook.
    • Checks issued when your account has an insufficient amount will be considered bouncing checks – these will incur a penalty fee. Make sure you know you have enough funds in your account before issuing your check.
    • If you have a post-dated check (PDC) up for clearing soon and you know you won’t have enough funds for it, try to ask the recipient to hold the check first. As much as possible, AVOID A BOUNCING CHECK. This can actually be a basis for filing a case against you.
  4. No Blank Checks
    • Don’t sign blank checks. Always make sure that the recipient’s name and amount are filled in before signing – even if you trust the person you are giving it to!
    • As much as possible, avoid writing checks that are payable to Cash. Not only would it be easier to keep track of checks payable to certain recipients, but checks payable to Cash may also be encashed by the wrong people. You could never know whose hands your check might fall into!
  5. Review Your Check
    • Make sure the checks you issue have no erasures and are spelled correctly. Otherwise, the check will not be accepted by the banks.
    • Make sure you’ve read the recipient’s name and amount before signing your checks.
  6. Double Cross
    • Although this is optional, you may opt to put a double cross mark before the payable name. This is to indicate that the check is only for deposit to the recipient’s account.
    • To do this, simply put 2 parallel check lines on the top left of the check.
  7. Cleared Checks
    • If your bank doesn’t automatically give you your cleared checks, you can ask for them. These can be your records of payment.

 

If you feel like there are too many things to remember, just remember this: AVOID A BOUNCING CHECK.

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