In the occasion that a sponsor did not opt to avail of Section forty (c)(2) of the NIRC, the BIR RR likewise supplied for a 50-percentage tax incentive at the applicable documentary stamp taxes at the transfer of belongings to REIT. Such tax incentive at the DST can be availed of even previous to listing provided that such REIT may be listed inside years from the date of availment.

As for the switch of listed securities thru the alternate, the identical will nonetheless be concern to inventory transaction tax in lieu of all other taxes. Furthermore, as for dividends declared by using REITs, the same will be taxed at a final price of 10 percent challenge to sure exceptions. Additionally, no VAT shall also be imposed on any transfer of securities which form part of REITs’ real estate-associated property.

While maximum of the concerns of the general public at the moment are addressed through the revised IRR, several questions nonetheless continue to be particularly at the practical facet of the requirement of reinvestment by means of promoters and sponsors. Arguably, the duration of twelve months won’t be sufficient for this reason. A question then affords itself — could partial investment inside twelve months be considered as full-size compliance of the requirement? It stays uncertain if regulators including SEC and PSE may be bendy in imposing such reinvestment necessities, as a minimum in thus far because the duration to reinvest is worried.

Another query is on how such reinvestment will be made. For one, can this requirement of reinvestment be complied not directly via possession of stocks in real estate agencies or organizations engaged in mission infrastructure tasks? On the alternative hand, there are also some executional issues with admire to the 50-percent tax incentives at the documentary stamp tax for the transfers of belongings to REITs in particular with appreciate to the 2-year period requirement for listing from the date of availment.

It stays doubtful whether or not regulators could be flexible in this requirement specially if the postpone on listing can be because of sure factors past the control of the REIT, along with regulatory delays and market conditions amongst others.

Overall, however, interested stakeholders and actual estate enterprise gamers can also want to look into the viability and feasibility of setting up REIT in the Philippines in particular because the revised IRR of the REIT Law has addressed most of the criminal and realistic subjects that previously inhibit actual estate agencies from venturing to the enterprise of REIT. With maximum of the boundaries finally out of the way, the investing public has much greater to look ahead to. It might no longer be long earlier than one may want to ultimately say, REIT is in the end here!

Atty. Mark S. Gorriceta is the dealing with associate and head of the Corporate Group of Gorriceta Africa Cauton & Saavedra. He is considered an expert in capital markets and securities regulation. He is likewise the criminal recommend to some of the most important actual property agencies inside the Philippines. He is vice president of Finex’s ICT Committee.

THRIFT banks are properly placed to aid nation-state improvement going forward, but the enterprise ought to boost its recreation and put together for challenges from extended opposition and from a rapidly converting running environment, the u . S .’s vital financial institution governor stated.

In his keynote speech at the Chamber of Thrift Banks (CTB) 2017 Convention held in Makati City on Tuesday, Bangko Sentral ng Pilipinas (BSP) Governor Amando Tetangco Jr. Said the thrift banking region “continues to guide boom of the banking system.”

He said the industry’s consolidated belongings breached the P1-trillion mark for the primary time last yr, with capitalization having expanded 6 percentage and deposits growing by using a robust 9.7 percent.

Asset quality is likewise higher than the common in the ultimate 5 years, he stated, while profitability has improved as net income for 2016 reached P13.Nine billion, up 17.Eight percentage from end-2015, at the same time as go back on equity stepped forward to ten.Five percent.

But Tetangco mentioned that thrift banks must be equipped for opposition from the larger banks that are expanding their networks into thrift banks’ traditional marketplace of customer finance, and additionally from the entry of foreign banks.

“If you don’t forget, the nearby banking industry has been opened up to overseas competition with the enactment of Republic Act 10641 in 2014. So a long way, two foreign banks obtained existing domestic thrift banks following the passage of the said regulation. While these forces might also placed stress on thrift banks, opposition creates extra alternatives for the consumers and increases economic welfare in wellknown,” he stated.

The BSP leader stressed that thrift banks should view opposition together with this as an impetus for raising their game, noting that it absolutely “cannot be enterprise as traditional” for the industry.

“In this an increasing number of included and globalized economic surroundings, it’s far crucial for thrift banks to be guided via the tenets of powerful threat control and sound governance standards,” he stated.

“Thrift banks ought to fully put together to cope with the dangers and challenges on the way to come with boom possibilities in this rapidly converting enterprise environment,” he introduced.

Cornerstone of growth

Tetangco said there are many opportunities for thrift banks to assist expand the geographical region, mainly in catering to the micro, small and medium corporations (MSMEs).

“The MSME zone is a cornerstone of economic growth. We are seeing how a success MSMEs are in releasing humans from poverty with the aid of developing jobs and serving as catalyst for growth in their groups. This is the purpose behind the BSP’s persisted collaboration with the enterprise and different sellers of the government to create an allowing regulatory environment for growing access to finance, specifically for MSMEs,” he said.
He said a take a look at is now being carried out to enlarge this framework to cowl the MSME price chain.

“In specific, we’re searching into capacity regulatory incentives to further encourage MSME financing. All those are being laid down so the thrift banks can assist meet the financing desires of MSMEs and the rural area in help of nation-state improvement. This can be for investments or running capital or for enterprise enlargement,” he harassed.

How does one coordinate all the paintings a crew needs to do together regardless of the gap among group participants? Our choice to paintings on a espresso farm challenge commenced early this yr — and along with it, we needed to arrange a variety of obligations and goals. My husband and I stay in Manila at the same time as one daughter, the challenge director, is living in Europe, at the same time as our other daughter, the content supervisor, works in Singapore. It became crucial to become aware of what needed to get accomplished, who treated the task or hobby, and when it changed into due.

It changed into the notion of our mission director to apply Asana, a challenge control, assignment monitoring and collaboration software built for teams. It is basically a productiveness control device. I became more acquainted with Slack, a communications tool used for group collaboration in my initiatives along with media literacy and critical oils. Slack is beneficial for everyday administrative center communications. The cause our project director selected Asana is that it continues our messages in its free model not like Slack which limits us to look and think about simplest the crew’s maximum recent 10,000 messages. Slack shops older messages in a single’s workspace’s information, to be had to apply if the subscriber is prepared to improve. Large organizations use each Asana and Slack. Among Asana’s clients are Uber, PayPal, NASA, and Vodafone. Airbnb, Target, Oracle, and Los Angeles Times are businesses that adopted Slack for commercial enterprise functions.

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We are the usage of Asana’s free model for now on the grounds that we best have 4 group participants. The unfastened model gives you the opportunity to feature 15 individuals for your crew. Asana gives you with unlimited “Projects, Tasks, and Conversations”. It is easy to join up together with your email deal with. Asana integrates along with your Google records details in each desktop and app versions.

Here are Asana’s basic capabilities that will let you coordinate and prepare all of the work of your crew:

Set up your projects and obligations in one location

Checking email threads can be this sort of waste of time while handling tasks. Asana organizes all your group’s work in one area. We agree who gets assigned for each task. One of us sets priorities and time limits along with the attachment of files, if they follow to the mission. Every group member is aware of what wishes to get executed, who’s accountable, and when it is due. Sometimes, we remind each different that a deadline is developing quickly. Some projects indexed in our Asana are “Learning about Coffee”, “Coffee Inspiration”, “The Farm”, and greater.

Track your responsibilities thru each degree till StockGlobal broker crowning glory

The listing of “Projects, Calendars, and Dashboards” will assist you with the monitoring of your assigned tasks. One can comply with tasks and duties thru each level. For instance, our undertaking supervisor provides me, the farm manager, a list of coffee cupping sessions I need to wait even as our content material manager creates a content plan for our blog. We would possibly bear in mind a paid plan as it allows us to create a visible timeline for the task, hence helping us live on agenda. The visual task plans allow one to look how every step maps out through the years, pinpoint risks, and get rid of roadblocks even when plans change.

The conversation features permits a dialogue of duties or brainstorming of thoughts

There is a Conversation tab within the Workspace for a particular pastime or challenge where you can brainstorm ideas or comment on a challenge. Asana does now not allow non-public messaging however there’s a workaround that allows you to communicate at once with a group member. Just create a private assignment entitled “Private Chat”, then installation a verbal exchange for the project and label it after the crew member you are contacting. In the primary conversation comment, just point out the team member’s call with an @ sign. For instance, @call.

File sharing as much as a hundred MB in step with record

I stated that you may connect files within the Conversations but the add limit is 100 MB in step with file for attachments from your pc. I use Google Drive or Dropbox to share large files which includes motion pictures.

Multiple views, customizations, and more

I can view the facts in Asana as a prioritized assignment listing or updates inside the “Inbox” tab. You can find obligations and their due dates inside the Calendar view. You could check your progress by using using a customizable “Dashboard”. You can also look for any facts or attachments by the usage of a “Files” view.

Asana has been very useful in lowering the quantity of emails we want to send to each other. I need now not notify each group member for a selected assignment. I upload precise crew members as “project fans”. Small and medium corporations, startups, organizations, or non-income groups will discover this software useful for challenge management and venture collaboration.

At the agency’s annual Tech Life occasion, Lenovo unveiled a chain of recent smart home, laptop and AR gadgets, persevering with its dedication to reworking generation and consumer studies, making the devices simpler to use, more attractive and more productive for clients.

This commitment is fueled by way of Lenovo’s ‘Intelligent Transformation’ method and a product ethos of engineering with reason; designing for difference and creating technology that empowers customers with day after today’s era nowadays.
Lenovo Smart Home Essentials is a brand new family of connected devices that provide a simple, one-stop keep for a smarter, more shrewd domestic. Addressing these days’s fragmented clever device landscape, Lenovo’s circle of relatives of connected domestic essentials – and the recently launched Lenovo Smart Display – sign the organization’s growing and multiplatform AI atmosphere and pursuits inside the smart home class.

The Lenovo Link app serves as a centralized control center to installation and control all applicable gadgets, as opposed to an individual app for each tool. Users can control precise corporations of gadgets right away or automate them to ensure moves at unique instances throughout the day. Not best do the Lenovo Smart Home Essentials work with the Google Assistant and Amazon Alexa, but clients will be able to without problems installation, automate and manipulate various components of the house with simply their voice the use of the Lenovo Smart Display as a control hub.

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The Lenovo Smart Essentials range of merchandise may be available beginning inside the US in November and is anticipated to amplify to different markets including EMEA and Australia later.9 Lenovo Smart Display is expected to be available in Australia and the UK beginning October.9

New Yoga PC range

Lenovo’s top class Yoga purchaser PC portfolio gives pinnacle nice craftsmanship, meaningful innovation and immersive entertainment for on-the-cross users who anticipate effective and agile overall performance. Powered through eighth Gen Intel Core processors, the Yoga C930 is Lenovo’s flagship Windows 10 purchaser 2-in-1 laptop, debuting a never-earlier than-seen Rotating Sound Bar with Dolby Atmos Speaker System, speakers custom-designed to supply step forward shifting audio. It helps Dolby Vision HDR, which transforms your enjoyment with extremely-bright imaging. The Yoga C930 also features a Garaged Pen that expenses in its compartment, imparting greater intuitive productiveness. Far-variety mics permit Cortana and Alexa on the Yoga C930 to recognize voice command from up to four meters away, even in standby mode.

The new Yoga Book C930 is the world’s first twin display pc with E Ink, rewriting the guidelines of transportable productiveness. The versatile E Ink display screen turns into a dynamic, customizable keyboard with multi-language guide, virtual paper for notes or sketching, and even an eReader on the contact of a button. All this blended with Windows 10 and Intel Core processor overall performance in an ultra-thin and extremely-mild shape thing with amazing battery life.Four As the enterprise’s first tool to be powered through Qualcomm’s trendy Snapdragon 850 Mobile Compute Platform, the skinny and mild Yoga C630 WOS combines the power and productivity of a Windows 10 laptop with the constantly-related mobility of a phone. Made for these days’s cellular era, it has included LTE Advanced Pro5 with up to twenty-five+ hours of nearby video playback.

Turbo charged productivity

Lenovo’s new slim and fashionable ThinkPad X1 Extreme will allow customers to strength through extensive responsibilities thanks to its discrete NVIDIA GeForce pics and the latest eighth Gen Intel Core processors proposing incorporated Gigabit Wi-Fi, which incorporates Core i9. The multi-display support permits multitasking and RapidCharge generation costs the battery as much as eighty percent in just 60 mins. Its 4K, a hundred percent Adobe RGB color gamut show with Dolby Vision HDR and Dolby Atmos immersive audio set the bar excessive for content material advent or intake sports in this tool. Innovative security features consist of ThinkShutter digital camera cover, Windows Hello facial recognition, and contact fingerprint reader.

Popular music streaming subscription service, Spotify, have partnered with Citi to introduce Citi’s Pay with Points abilties, a problem-loose charge alternative for Citi clients to enroll in Spotify Premium.

It is the primary time globally a financial institution has partnered with Spotify to offer the potential to pay for music subscription with credit card points and miles.

Citi credit score card users inside the Philippines, Malaysia, Singapore, Hong Kong and Taiwan can use their credit card factors or miles for instant redemptions on their Spotify Premium subscriptions.

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The local-led partnership gives Citi clients with immediate visibility and higher utilization of their points and miles on Spotify.

“We are excited to accomplice with Citi to offer lovers with a continuing way to experience Spotify Premium,” stated Gautam Talwar, handling director, Spotify, Southeast Asia.

“Now, lovers get to experience advert-unfastened track anywhere, each time. Through this partnership we are hoping to elevate the song streaming experience with instantaneous access to unlimited song, personalized advice capabilities and the fine playlists curated by means of music specialists and fanatics.”

“We are overjoyed to be partnering with Spotify, a top streaming platform in Asia,” stated Sergio Zanatti, head of Cards and Unsecured Loans for Citi in Asia Pacific.

“By partnering with Spotify, we further make bigger our presence in digital ecosystems where our customers are lively even as persevering with to growth the cost that our credit card points and miles provide. Our customers are able to use their points and miles to make payments for his or her purchases across increasingly more companions and merchants, giving them extra gain on their spend and delivered flexibility and comfort inside the way they pick to use their credit card rewards.”

Launched in March 2017, Citi’s Pay with Points application is stay in nine markets across Asia Pacific. Since its release, this system continues to peer an boom in absorb with elevated reaction costs of up to ten instances over traditional advertising campaigns.

Citi Pay with Points has additionally announced partnerships with Grab, Lazada, Expedia, Shell, Jetstar, Thai Airways and Starbucks for PWP in respective markets in Asia Pacific.

Growth endured inside the global wearables marketplace during the second one region of 2018 (2Q18) as shipment extent reached 27.9 million devices, up five.Five percentage from the previous 12 months, according to research firm IDC.

The marketplace experienced similar profits in dollar cost, growing eight.Three percentage year-over-yr to $four.Eight billion in 2Q18 fueled through the continuing recognition of smartwatches with their high charge tags.

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From a nearby attitude, mature markets — constituted of North America, Japan, and Western Europe — declined 6.Three percentage year-over-12 months as these markets had been in large part made out of simple wristbands closing year, that have declined drastically on the grounds that then and the boom in smartwatches has now not been sufficient to offset the decline.

Meanwhile, rising markets, such as Asia-Pacific (excluding Japan), Central & Eastern Europe, Middle East & Africa, and Latin America, grew 14 percent year over yr as primary wristbands are nevertheless in high call for (because of the low charge) and smartwatches additionally won traction.

“The decline in mature markets is in no way worrisome as these markets are within the midst of transitioning to more sophisticated wearables,” stated Jitesh Ubrani senior studies analyst for IDC Mobile Device Trackers.

“While the preceding technology of wearables become focused on presenting descriptive remarks like step counts, the modern-day and upcoming generations are far greater succesful and are nicely on the right track to turning into prescriptive and diagonistic tools. Surrounding those smarter wearables is a constellation of technology and provider companies that includes app builders, telcos, element makers, healthcare establishments and extra — each poised for boom in the coming years.”

“Two key forces were at work at some stage in the area: stronger demand for smart wearables, and slower declines in the basic wearables marketplace,” said Ramon T. Llamas, studies director for IDC’s Wearables crew.

“Users have come to need more from their wearable devices, and smart watches have met that call for. Additionally, relative beginners to the smartwatch marketplace like Fitbit and several Chinese providers have seen consistent growth.

“Basic wearables have been in decline over the past numerous quarters, but that does not suggest that they not have an area within the marketplace,” brought Llamas. “There still exists a couple of marketplace segments who decide on easy and less expensive wearable devices and this is in which wristworn health trackers and hybrid watches are locating demand.”

Top 5 wearables corporations in 2Q18

Apple maintained its function atop the wearables marketplace with marketplace-beating growth and continued demand for its LTE-enabled Watch. This makes it a welcome addition to many telco channels global. Now that the company has unveiled watchOS 5, it has additionally started to chart out ability substitute cycles as the latest model of Apple’s smartwatch platform could be well matched most effective with Series 1 and later.

Xiaomi held the second one function and has successfully diverse its product portfolio to encompass shoes, kid’s watches, and a couple of variants of the Mi Band, every priced on the low give up of the market. The agency also grew its brand cognizance throughout Europe and the Middle East via the fulfillment of its telephone lineup and different tech merchandise and it is simplest a be counted of time earlier than this logo cognizance ends in in addition fulfillment in wearables.

Fitbit‘s decline persisted as the organization largely relied on sales of fundamental wristbands in the past and become now not capable of maintain pace for the duration of the second region. However, with the launch of the Versa, the health large has effectively elevated its userbase and emerged as the second one biggest smartwatch emblem during the quarter with
1.1 million smartwatches shipped. Fitbit is likewise one of the few OEMs that continues to actively goal the commercial marketplace and stays a marketplace leader in this space.

Huawei, like Xiaomi, has been heavily targeted at the Chinese marketplace even though that is slowly changing as the corporation begins to revel in growth out of doors its home turf. The dual logo strategy has additionally been paying off as Honor accounts for a bit over half of of all the wearables shipped by using Huawei.

Garmin extended its lead over Samsung to preserve its function because the range 5 supplier worldwide and noticed its shipment volume of smartwatches extend their lead over its fundamental wearables. This similarly underscores the growing appetite for clever wearables over primary wearables. Still, the agency keeps to benefit from the fulfillment of its health-oriented Vivo line and the launch of its new golf-centered Approach S10.

It turned into around 3 years in the past while everybody started accepting the truth that September 1 now not only intended the begin of the countdown to the World’s longest Christmas birthday party, but it also ordained its legit track bearer, the grandfather of xmas cheer, the constantly-smiling, and absolutely everyone’s wealthy-searching uncle, Jose Mari Chan.

When I first noticed a meme about the smooth-spoken crooner on Facebook, it got here out inside the identical week as those lousy memes on Green Day’s “Wake Me Up When September Ends.”

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“I’m coming,” the meme examine as a smiling, stock picture of Jose Mari Chan beamed through the photograph.
I grew up listening to his tune in the ‘90s. Back then, my lolo could constantly play a cassette tape of his now iconic album, “Christmas In Our Hearts” again and again once more in our house.

Mind you, that’s generally in August. I do remember that department shops, eating places, and nearly all Filipino establishments with get right of entry to to a sound machine could go to the album with the aid of default while the Christmas season starts. For me, whenever I pay attention girls and boys humming to JMC’s songs I simply get transported to those mornings with my lolo. It simply appears like domestic.

But JMC’s recent upward thrust to reputation on social media is a pleasing marvel to me. He’s all of sudden cool once more. Wait, scratch that. Was he ever cool first of all?

When my lolo would plug the cassette tape, he’d turn the quantity up so loud, it’s as though he wants the whole block to concentrate. As a child, I’d like it. He’d fill the entire residence with such Christmas spirit the odor of noche buena turned into thick in the air. The wind is barely chillier too, I notion, but possibly that’s because JMC has the sort of soothing voice.

My lolo become an avid fan of OPM. He added me to Celeste Legazpi, Basil Valdez, Freddie Aguilar, Sampaguita, and APO Hiking Society. And as ordinary, he’d flip the quantity up so loud on the radio.
“Let the associates sing with us,” he’d say.

But as the years long past through, permit’s simply say my taste in track changed. Boybands, woman bands, a surprising but brief turn to emo and Jose Mari Chan became unceremoniously relegated to the antique facts bin at my lolo’s residence within the early aughts. The “baduy bin” as I’d name it, subsequent to the Jessa Zaragoza, Sexbomb (“Unang Putok”), and Salbakuta tapes. And boy, became I relieved when those tapes finally were given eaten via the radio.

So consider my chagrin whilst the shops started out gambling his songs every September. This turned into Jose Mari Chan’s first resurrection. Just as SM could begin building their giant and garishly styled Christmas trees towering up in the air, JMC become there, “singing about the higher matters. The buddies we’ve got, the pleasure they dream.” Why must his songs be so rattling catchy?

Sometime in 2009, my lolo succumbed to most cancers. When he died, he left us his huge cassette tape collection that span numerous decades. It changed into too painful to play them, so we kept them of their bins, by no means to be opened once more.

Eventually, like any matters forgotten, they genuinely were given lost in the house, someplace. The tune stopped gambling in September as far as I knew.

But Facebook has resurrected Jose Mari Chan, back to my lifestyles all way to the 90s youngsters who in the end grew up, found that life lower back then wasn’t all that awful, and decided to show the nostalgia machine back on. Now, anyone’s idea of a perfect Christmas is not just a party or dinner for 2.

“Anywhere will do,” so says JMC.

But Jose Mari Chan wasn’t the primary person who has been taken out of the “baduy bin” by means of social media and placed in a neo-cool shelf curious about the millennials to “find out”. Before him, there has been Rick Astley (of the “Rickrolling” meme), and George Takei (“Ohmyy”), who are thriving on YouTube and Facebook.

I haven’t begun to find out the secret components to how those 3 have been able to reclaim their “coolness” lower back. But time and some little bit of distance makes us observe the past with rose-coloured glasses. For now, I now not handiest thank social media for making Jose Mari Chan cool once more but extra importantly, for reminding me of Christmases spent with my lolo and his cassette tapes at domestic.