The Return of Superman - A Good Stress Reliever

As a working mom and a full time mom, I really never get to have a chance to watch movies whenever I want or even to play gaming console games anymore. But there's one thing that I always have time except for taking care of my kid and working, that is to watch "The Return of Superman" in KBS. The show is about Father taking care of their kids for 48hours. It is not only entertaining but you can learn a lot from that TV show. I like how the fathers take time to care for their kids and how they look for fun ways to teach them. 

I have some clips below, please watch them and enjoy.

How to File Pagibig Housing Loan - Retail

I see lots of people trying to file housing loan in Pagibig. I tried it once and it really is quite easy. But what if you are filing for retail house and lot? When we say "Retail" it means you are buying a house outside of real state company. Let's say someone you know is selling his/her house and you want to buy it through Pagibig. Yes, is possible. You will need lots of paper works but once everything are all set processing is easy.

First thing you need to do is to prepare the required documents. Then, they will schedule an inspection to the property you are buying. The price of the property determined in the inspection can affect your loan-able amount.

REQUIREMENTS

» ELIGIBILITY REQUIREMENTS

» PROCESSING FEE

P1,000 - upon filing of housing loan application with required documents (non-refundable) P2,000 – appraisal fee (upon filing of loan application, non-refundable) P2,000 – upon take-out (deducted from the loan proceeds)

» BASIC REQUIREMENTS (UPON LOAN APPLICATION)

Housing Loan Application with recent ID photo of borrower/co-borrower (if applicable) (2 copies, HQP-HLF-068/069) Proof of Income (see details below) One (1) valid ID (Photocopy, back-to-back) of Principal Borrower and Spouse, Co-Borrower and Spouse, Seller and Spouse and Developer’s Authorized Representative and Attorney-In-Fact, if applicable Transfer Certificate of Title (TCT) (latest title, Certified True Copy). For Condominium Unit, present TCT of the land and Condominium Certificate of Title (CCT) (Certified True Copy). Updated Tax Declaration (House and Lot) and Updated Real Estate Tax Receipt (photocopy) Contract-to-Sell or similar agreement between the buyer and seller Vicinity Map/Sketch of the Property

» REQUIRED DOCUMENTS PRIOR TO LOAN RELEASE

TCT/CCT in the name of the borrower/co-borrower/s (if applicable) with proper mortgage annotation in favor of Pag-IBIG Fund (Owner’s Duplicate Copy) TCT/CCT in the name of the borrower/co-borrower/s (if applicable) (Certified True Copy) with proper mortgage annotation in favor of Pag-IBIG Fund (RD’s copy) Updated Tax Declaration (House and Lot) and Updated Real Estate Tax Receipt (Photocopy) in the name of the borrower/co-borrower/s, if applicable Loan Mortgage Documents Loan and Mortgage Agreement duly registered with Registry of Deeds with original RD stamp (HQP-HLF-162/163) Deed of Absolute Sale duly registered with Registry of Deeds with original RD stamp Duly accomplished/notarized Promissory Note (HQP-HLF-086/087) Disclosure Statement on Loan Transaction (HQP-HLF-085)

» OTHER APPLICABLE REQUIREMENTS

» INCOME DOCUMENT:

* For Locally Employed, any of the following: Notarized Certificate of Employment and Compensation (CEC), indicating the gross monthly income and monthly allowances or monthly monetary benefits received by the employee Latest Income Tax Return (ITR) for the year immediately preceding the date of loan application, with attached BIR Form No. 2316, stamped received by the BIR Certified One (1) Month Payslip, within the last three (3) months prior to date of loan application NOTE: For government employees, the Certified One (1) Month Payslip, within the last three (3) months prior to date of loan application, must be submitted together with CEC or ITR. * For Self Employed, any of the following Proof/s of Income: ITR, Audited Financial Statements, and Official Receipt of tax payment from bank supported with DTI Registration and Mayor’s Permit/Business Permit Commission Vouchers reflecting the issuer’s name and contact details (for the last 12 months) Bank Statements or passbook for the last 12 months (in case income is sourced from foreign remittances, pensions, etc.) Copy of Lease Contract and Tax Declaration (if income is derived from rental payments) Certified True Copy of Transport Franchise issued by appropriate government agency (LGU for tricycles, LTFRB for other PUVs) Certificate of Engagement issued by owner of business Other document that would validate source of income * For Overseas Filipino Workers (OFW), any of the following: Employment Contract Employment Contract between employee and employer; or POEA Standard Contract Certificate of Employment and Compensation (CEC) CEC written on the Employer/Company’s official letterhead; or CEC signed by employer (for household staff and similarly situated employees) supported by a photocopy of the employer’s ID or passport Income Tax Return filed with Host Country/Government NOTE: If documents are in foreign language/s, English translation is required.

» ADDITIONAL REQUIREMENTS (if applicable only)

* Upon Loan Application For OFW members Special Power of Attorney (SPA) notarized prior to date of departure. For OFW member abroad, a SPA notarized by a Philippine Consular Officer, or SPA notarized by a local notary (of the country where the member is working) but duly authenticated by the Philippine Consulate. The Fund may also require any or a combination of the following documents: Payslip indicating income received and period covered Valid OWWA Membership Certificate Overseas Employment Certificate Passport with appropriate visa (Working Visa) Residence card/permit (permit to stay indicating work as the purpose) Bank remittance record Professional License issued by Host Country/Government NOTE: If documents are in foreign language/s, English translation is required. Insurance Coverage Health Statement Form (Medical Questionnaire) For borrowers over 60 years old For borrowers up to 60 years old, if loans is over P2.0 M to P6.0 M Health Statement Form (Medical Questionnaire) and Copy of the result of medical examination conducted prior to assignment overseas as required by the employment agency For OFW borrowers over 60 years old For Purchase of Lot with Construction of House (PLCH) Building Plans, Specification with Bill of Materials duly signed by the Licensed Civil Engineer or Architect For Properties Purchased from a Developer/Corporation/ Association License to Sell (Applicable to Developer only) Secretary’s Certificate on the Authorized Signatory of the Developer/Corporation/Association One (1) valid ID of the Corporate Secretary and Authorized Signatory of the Developer/Corporation/ Association (Photocopy, back-to-back) * Prior to Loan Release Surety bond (for properties that are subject to the lien imposed by Section 4 Rule 74 of the Rules of Court) Collection Servicing Agreement with Authority to Deduct Loan Amortization or Post Dated Checks, if applicable For Purchase of New Residential Unit only Occupancy Permit For PLCH only Occupancy Permit Building Plans/Electrical/Sanitary Permits duly approved by the building officials

Learn to Know when to Shut your Mouth

We all know that it is hard to shut our mouth especially if we get too excited, angry or just about anything at all (at least for the most of us). But me for I have been working for more than 12 years, I was able to see how words affects not just your but your work and everybody else around you.

I was a victim too of people that are saying bad things behind your back. Well, for some reason other people will give you comments without considering how you feel which sucks. I know that there are instances where I did that too and trust me it feels bad after you realize what you have done and it is too late. 

I may not able to list everything but below are the things you have to consider before opening your mouth:

• Does it concern you? If it is none of your business, then close your mouth.
• Will it hurt other people? 
• Do you have proof?
• Will you gain something from it?

A Seven-Faced Man

A Seven Faced Man is an adaptation of the South Korean TV series “Kill Me, Heal Me”. It is a Chinese thriller romantic comedy web series and is directed by Deng Ke. Written by Ma Saike, A Seven Faced Man premiered in China via QQLive, December 13, 2017. This series brings up the talents of its main cast Zhan Yishan who plays as Shen Yizhen a 28-year-old a successor of Shenhua Group who has multiple personality. This is a very funny series and I believe you will find this entertaining too. The main character Shen Yizhen has 6 personalities. He hired Bai Xin Xin (Elvira Cai) to be his personal doctor (24/7) and he falls in love with her.

Bruno Mars Bagged 6 Grammys! Woohoo!

Fan of Bruno or not we all know that the guy has special talent in music. I watched the Grammy's the other day and I was so surprised to see that he bagged 6 Grammy awards.

Album of the Year - 24K Magic

Song of the Year - That's What I Like

Record of the Year - 24K Magic

Best R&B Song - That's What I Like

Best R&B Album - 24K Magic

Best R&B Performance - That's What I like

The Hunt for Spoken Word Skit

I was watching The Grammy's yesterday and there is a part where celebrities are reading off from "Fire and Fury" book. I think that is not so good and it was very brave move for it can ruin the night (at least that's what I'm thinking but I may be wrong). I think they should have stick to celebrating music. This is just based on my own opinion.

I really couldn't explain it, but if you haven't watched it please see for yourself below.

Sorry, this is off topic but BRUNO MARS is so cool for bagging 6 awards. Congratulations!!!

Looking Back at My Life

I am right here sitting in my couch looking back on how my life went through for the past 33 years. At this time I believe that I have experienced everything and with God's grace I was able to overcome all of the obstacles that I encounter in my life. 

My first challenge was when I was a little girl, I am a  kind of person who does not want to be left behind but does not know how to fight back. I have a friend who used to bully me whenever I defeat her on our games. Weird because she has been one of my closest friends. During grade school my dad has always high hopes for me. He doesn't want to sign my report card and he would throw it whenever my scores are behind his expectations. I worked hard to meet his expectations but failed to show him because he passed away when I was 13.

During high school, I can remember my mom working all day washing clothes of other people to feed us. I am proud of her but feel sorry for her at the same time. I couldn't help but feel sad whenever I visit her in her work place and I see her running errands. I told myself that she will not have to do it once I have a work. As a teenager, I could have party with my friends but I decided to stay home and take care of my siblings. I remember saving my lunch money so I can share it with my brothers and sisters in order for them to have something to eat at school. It goes on until my college days. I used to spend my lunch time in our library working on homework because I do not have money.

Because my mom couldn't send me to school anymore, I decided to stop studying and apply for a job. After months of job hunting, I was finally accepted by a BPO company back then it was so hard to get into a BPO company because they prefer college graduates and they require you to have American accent. I cried after I signed my job offer and promised my family that I will take care of them. This happened 12 years ago, today I am very grateful to the Lord for allowing me to experience all the hardships and for believing in me. 

As a mom, my only wish right now is to give my son a good life and I will raise him as a good person who fears and believes in God. 

God, had let me go through all of it because He knows I can. I am very proud of what I have been through and so thankful that I have my family to support me all through out.

New Drama "Radio Romance" in KBS

Radio Romance is an upcoming South Korean television series starring Yoon Doo-joon and Kim So-hyun, with Yoon Park and Yura. It is set to air on January 29, 2018 on KBS2's Mondays and Tuesdays at 22:00 time slot.

Main Casts
Yoon Doo-joon as Ji Soo-ho
Nam Da-reum as young Ji Soo-ho -A top actor who is accustomed to act based on scripts. He ends up becoming a DJ for a live radio show where nothing ever goes according to plan.
Kim So-hyun as Song Geu-rim
Lee Re as young Song Geu-rim - The writer of Soo-ho's radio show with five-year experience as an assistant writer. She lacks of writing skills but possesses excellent planning skills.
Yoon Park as Lee Kang - The radio station's competent producing director. Because of his perfectionism, every program he handles achieved No. 1 in listener ratings.
Yura as Jin Tae-ri - An over-the-hill actress who fell from grace due to a DUI accident happened three years ago.

The Cutest Baby I've Seen

All babies are cute (please do not get me wrong) they are all beautiful. However, I really couldn't take my eyes off on Marian Rivera and Dingdong Dante's baby. She's so beautiful and seemed very energetic too.

Credit Card Nightmare

I has been years but I can still remember how I was back the. I was young and happy that I was approved for a credit card. I told myself that I would only use it for "Emergency" situations but that not what happened. I ended up swiping my card whenever I feel like it. I didn't know that my debt is filing up. I have been paying, yes, but it wasn't enough to cover all of my balance as the day goes by my balance is getting bigger and bigger. 

One day, I received a phone call from a collections agent asking for my payment. The agent was so rude as if I owe him anything. Back then I just moved to a new company which means I do not have enough pay to cover all my bills. They keep on calling me everyday and what makes it hard is that they are harassing me. They told me that they will come to my place and take my things as payment things like that. One time an agent told me that they will go to our Barangay to file complaint against me and then there's this one incident that they told me that a sheriff will show up to my place. 

Honestly, I wasn't able to sleep because of the harassment that I received. I remember one agent even came to my place pretending to be a lawyer. He spoke to my mom and it made her very uncomfortable. I really do not know what to do until my friend who works at a bank told me the following:

• Bank representative/lawyer will never go to your place. So if someone comes in and makes a scene get their name and file a complaint to BSP.
• Some people are rejecting collection notice, you should accept it as proof that you are residing at the address on file because they might use that in case they file a complaint.
• If they file a case against you, go to the court and tell them how you can pay off your debt. There you will have a chance to pay your debt according to how you want to pay it. But most of the time, they DO NOT file a case because they do not want waste time and money. 
• Collection agents are most of the time from third party collections agencies, bank sells delinquent/cancelled accounts to third party collection agencies. If they get you to pay, that's how they will earn.

Knowing all the stuff I mentioned is good but then there is no better way to avoid Bad Debt other than spending wisely. Do not buy anything that you cannot pay right away. I have learn my lesson in a hard way, I hope you guys have learned something from me.