Saturday, September 8, 2012

God Will Provide

            This is a sequel to my article published in our August 18, 2012 issue entitled: “The Reward of a Good Steward”.

The Bible tells the story that God tempted or tested Abraham to take his only begotten son ISAAC, whom he loved, to the land of Moriah and offer him there for a burnt offering. When Abraham had prepared everything for the sacrifice minus the lamb, Isaac asked, “My father, “behold the fire and the wood: but where is the lamb for a burnt offering”.? Abraham answered, “My son, God will provide himself a lamb for a burnt offering:… (Gen. 22:7-8) Abraham had the heart of God when he agreed to offer his only begotten son he waited for 100 years to be born (Gen. 21:5).

Abraham immediately obeyed without any word of complaint. He had complete trust on God’s command. No questions asked. He trusted God that whatever God commands will turn out finally to be good for him. This makes Abraham “the Father of Faith”. If we want to be blessed like Abraham who “was very rich in cattle, in silver, and in gold” (Gen. 13:2), let us be like Abraham who was obedient, trusting God, and a man of patience and perseverance.

Those employed either in the government or in the private sector stick to their jobs expecting and hoping that when they reach retirement age, they will receive a monthly pension till they die. Those retirees who are endowed with wisdom who feel that they will not live long after their retirement, elect to receive in lump sum their retirement pension usually for five years for those in the government, so they can invest it and generate more income and enjoy immediately what their money can buy while they are still alive. If they die earlier than five years, the government or the GSIS (Government Service & Insurance System) cannot get a refund. If they survive after five years, like the now made famous in the Corona impeachment case, Justice Serafin Cuevas, they continue to receive a monthly pension until their time is up by the will of the Lord. David said, “My times are in your hands; …” (Ps. 37:15 NIV).

Delving on retirement pay and the provision by God (Jehovah Jireh), when I was a young and struggling lawyer, as I did not know yet about what Christians call a “heart’s desire”, I had the ambition to become a judge or perhaps a justice so when I reach retirement age which is 70 years for judges and justices according to a special law on retirement passed by the Congress of the Philippines, the majority of whom are lawyers, I was thinking, by then, I can relax, eat, drink and be merry till I die! But God did not will it that way for me. “You can make many plans, but the LORD’s purpose will prevail” (Prov. 19:21 NLT). Notably, for other employees both in public and private, the compulsory retirement is at age 65 only.

My opportunity to join the government service came when my former boss, Atty. Leopoldo M. Abellera, the classmate of the late President Ferdinand E. Marcos at the University of the Philippines, and an acknowledged successful law practitioner in Davao Region in his time, invited me to join him at the Board of Transportation (BOT) inasmuch as from the Office of the Government Corporate Counsel (OGCC) he was appointed by President Marcos Justice of the Court of Appeals and concurrently the BOT Chairman which is now the LTFRB (Land Transportation Regulatory and Franchising Board). It has been said that Justice Abellera never decided any case because he devoted his time and effort at the BOT. There must have been much “treasure” at the BOT, “For where your treasure is, there your heart will be also” (Matt. 6:21).

The offer was attractive financially and with opportunities for advancement in government service, and probably a good stepping stone for a judiciary appointment, considering the very close relation of Atty. Abellera with President Marcos, but I know that politics is unstable, unpredictable and very temporary. I did not like to leave my private practice of law which was then picking up, and I thought that should politics turn the other way, I did not like to start from the beginning once again. When President Marcos was deposed, in retrospect, I was not mistaken in my decision. Truly, the Word of God is true that: “Thou will shew me the path of life: in thy presence is fullness of joy; at the right hand there are pleasures forevermore” (Ps. 16:11 KJV). This is buttressed by what King David said, “The steps of a good man are ordered by the LORD: and he delighteth in his way” (Ps. 37:23 KJV).

Henry Sy, the majority stockholder and practically the owner of SM, the largest mall and No. 1 taxpayer in the Philippines said, “Success requires hardwork and it does not come overnight”. That great inventor of the incandescent lamp, Thomas Alva Edison, said, “Success is 99% perspiration and 1% inspiration”, Success is the product of hardwork.

The history of my private practice of law has been long and tedious by human standard.

By the grace of God and through dedication, hard work, perseverance and patience, I was able to build enough clientele to keep me very busy six days a week, so that more often, I can go home only after eight at night, just like Gen. Douglas MacArthur during his time, in spite of the fact that I have five (5) associates (including my daughter Atty. Susan and son Atty. Neil). By God’s providence, I was also able to build a two-storey fully concrete law office building in the heart of the City of Davao, Philippines, on a 650 sq. m. lot. which God allowed me to acquire in 1988. The whole second floor is my law office while the ground floor is rented by commercial establishments. However, always in the evening of my memory, I keep on asking myself, when I become too old and no longer able to practice my profession, where will I get money without being dependent on, or a burden to, our children?

By God’s grace and provision, again, when I was nearing the retirement age of a judge or justice that I ambitioned in my youth to be, from out of the blue sky, a satisfied client referred to me a group of landowners in Dujali, Sto. Tomas, and Carmen, Davao del Norte, Philippines, who formed a cooperative named DUSCAR banana cooperative. DU – for Dujali, S-for So. Tomas and CAR – for Carmen (DUSCAR). This cooperative of lowly farmers engaged my legal services because they have been sweet-talked by a businessman-farmer to convert their lands into a plantation of exportable Cavendish bananas, so that in three years they will become millionaires. Of course, all of them were excited to become millionaires. In the process, he borrowed the amount of P60 million from a bank as initial working capital to pursue and implement his banana plantation project, secured by a mortgage on the lands of the farmers. One paragraph of the Memorandum of Agreement (MOA) between the innocent farmers and the businessman-farmer is that for as long as the loan in the bank is not paid, the farmers will only receive P10.00 per 13.5 kg. box of exportable bananas.

The trouble came about because the loan was not paid by the businessman-farmer as stipulated in the MOA covered by the mortgage because he used the income in the plantation to build a palatial home, bought a backhoe for his use in his personal business; also to buy expensive brand new SUV vehicles for his business, personal and family use, charging all gasoline and maintenance expenses and all maintenance expenses on the farm from the farmers and to pay the salaries of numerous security guards he hired to guard the banana plantation from thieves of harvestable fruits, but leaving the amortization of the bank loan irregularly paid. The interest due was not fully paid and naturally the principal remained P60 million. While the businessman has been enjoying the multi-million income of the farms converted into banana plantation, the income of the landowners at P10.00 per 13.5 kg. box of exportable bananas ranges only in few thousand pesos which will not even suffice for their daily needs. They could not even send their children to school anymore. Some of the farmers told me that they have to eat cooked Cavendish bananas for breakfast, lunch and dinner, because they can no longer afford to buy rice. Naturally, the next inevitable thing to happen was that their mortgaged lands will be foreclosed by the bank.

To cut short a long story, I decided to file a case for rescission or cancellation of their contract with the businessman. However, the next problem was that they did not have money to pay the filing fee of the case in court which was quite substantial and my appearance fee per day of hearing considering that the case will be filed in Tagum City which is 54 kilometers away from Davao City, Philippines, where I hold office. Anyway, this was provided through their cooperative contributions, and I graciously agreed to prosecute their case without asking them an acceptance fee or without having any agreement on my fee in the meantime that victory for them was not yet certain, remembering what King Solomon said in Prov. 31:9 “Open thy mouth, judge righteously, and plead the cause of the poor and needy”. Finally and fortunately by the grace of God, the contract was cancelled by the court. They are now dealing directly with the bank and are now updated in their amortization payments.

I recommended them to SUMIFRU, a reputable international buyer and exporter of bananas, like DOLE-STANFILCO, to be their exclusive banana buyer. For my attorney’s fee, we agreed in writing that it shall be $.05 cents per 13.5 kg. box of banana that is produced in the banana farms for the next 15 years. This is now the answer of God to my heart’s desire of having a monthly pension which is equivalent to the monthly pension of an RTC judge for the next fifteen years, if, by God’s grace like King Hezekiah of the O.T. who lived for an additional 15 years, I survive that long. Thus, God’s timing is always perfect. He is never late but sometimes even advance. Indeed, it is true that when we “take delight in the Lord, he will give you your heart’s desire” (Psalm 37:4 NLT). Also, it is true that God is Jehovah Jireh (God who provides in his time in mysterious ways).

The chairperson of the cooperative told me that some of the futuristic thinking banana farmers raised the issue in Cebuano dialect: “Unsaon na lang kay tigulang na baya si Atty. Cariaga, kinsa man ang mag-servicio sa ato?” (In English, what will happen later because Atty. Cariaga is already old, who will then continue the legal services that we will need?). I asked her, what was your answer? She said, “Don’t worry, he has three children who are lawyers.” The wise King Solomon said: “A good man leaveth an inheritance to his children’s children: x x x (Prov. 13:22 KJV). Joyful really is the reward of serving the Lord with delight with love of neighbor as the primary consideration and in serving those who are poor and needy who cannot plead their cause.

So, the conclusion of the matter is what Jesus said: “Take therefore no thought for the morrow: for morrow shall take thought for the things of itself. Sufficient unto the day is the evil thereof” (Matt. 6:34 KJV). In another version, “Let the day’s own trouble be sufficient for the day” (RSV). Trust in the Lord, and do good; so shalt thou dwell in the land, and verily thou shalt be fed. Delight thyself also in the LORD; and he shall give thee the desires of thine heart” (Ps. 37:3-4 KJV). Delight in serving the Lord and look after the needs of your poor and needy neighbor, using your God-given talent, ability and skill, and the LORD will take care of you. God “will never leave you, nor forsake you” (Heb. 13:5). God will surely provide.

(FGBMFI Davao City Chapter Bulleting, September 8, 2012)

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