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Friday, February 17, 2017

Kwentong Pag-Ibig (Not a Valentine's Day Post)




The second tranche of our salary increase was  released this month.  The net amount of the increase is not that much, but still, I am very thankful.   Just right after I received my payslip, I sent a note to our HR authorizing them to deduct an additional P400/month for Pag-ibig.  I increase my Pag-Ibig Contribution every time my salary increases.    Why did I choose to augment my Pag-ibig contribution? Firstly, the dividend is higher than bank interest.  Secondly, I am certain that it won’t declare bankruptcy since it’s a government owned and controlled corporation.  Thirdly, increasing Pag-ibig savings also  increases my maximum loanable amount since the latter is based  on the Total Accumulated Value (TAV).    And lastly, just like  “PAG-IBIG”, hindi ko siya ramdam bes! Of course I’m kidding, I am so loved by my husband. Feel ko bes!  Going back, hindi ko siya ramdam because it’s automatically deducted from my salary.  

Why didn’t I put my savings in PAG-IBIG II since its dividend rate is higher? Because I am lazy.  I already asked the HR staff in charge with Pag-ibig contributions and other concerns about it .  I even submitted the accomplished PAG-IBIG II form. However, when he submitted it to PAG-IBIG office, he was told that my personal appearance is necessary. And I am lazy to go there.  Don’t be like me!   
Why didn’t I just put my money in UITF and Mutual Funds?  I’m currently investing in UITF and mutual funds.  I started investing in equity-laced UITF in 2014, and last year, after my promotion,  I put some cash in Mutual Funds (Balanced and Equity).  I invest a certain amount on my accounts every month or every time I have extra cash.    The UITF is for my retirement. The Mutual Fund-Equity is for my husband’s retirement and the Balanced Mutual Fund is for my daughter’s education.  I know that these are medium to high risk investments.  That’s why I think putting  money in a very low risk investment is a way for me to diversify my investments.

This year, I am planning to increase my paper assets. For the past three  years, almost all of our savings went to real estate . We purchased  our condo unit just right after we got married.  If I could just  bring back time, I would have saved more, and purchase a house and lot instead.  I don’t know if it’s just me pero iba pa din  ang lupa at bahay.  Talk about restrictions.     In 2015, we hastily purchased a townhouse in Naga City through Pag-Ibig Financing.   Honestly,  at first we thought that  it was a very bad financial decision.  The monthly amortization plus the cost of furnishing it caused a dent in our finances   until we had the apartment rented last year.   At least now, the property is self-liquidating.       

Reviewing our current net worth, most of our assets are tilted towards real estate.  Only 8.25%  goes to savings and paper assets (I didn’t include my Pag-Ibig savings because I don’t know the exact figure). So, yeah, 2017 is about saving and being liquid.  Good luck to me!

Oh, by the way, if you want to know more about Pag-ibig savings, just check their website.

Thursday, February 2, 2017

ON BEING A KAWANI NG GOBYERNO


Seven months ago, I was assigned as the head of a particular unit.  And until now, I still can’t say that I am fully attuned with my responsibility.     No matter how much I convince myself that everything is “trabaho lang, walang personalan”, there are still times that I go home exasperated or drained.  True enough, listening to other people’s frustration is both emotionally and mentally exhausting.   Just yesterday, a very toxic client called up.  I almost lost my cool. I was trembling with anger already but reminded myself that I am being paid to be patient.  After the woman on the other line ended our conversation, I consoled myself by devouring a slice of Estrels caramel cake. Thanks Estrels,  you completely erased the negative vibe. Kaya tumataba ako eh.

But, you know what? Being able to assist and help the public is also very rewarding.  This morning, I had a conversation with a walk-in client.

Client: You are very accommodating.  Dahil ba kay President Duterte? Change is coming.

Me: Hindi po. Kahit po noon, ganito napo kami. Lol

Her comment  really makes me happy that I’ve decided to blog about it. Haha. Ang yabang ko lang. 

I advocate (I’ve been hearing this word at Miss Universe, might as well use it. Lol) quality public service, because the public  deserve it…we deserve it.   It’s a good thing that President Duterte has devised 8888. It empowers the public to air  their frustrations. So, guys, instead of posting on facebook and shaming the employee being complained of, I  encourage you to just dial the hotline.  Let us be fair.  Give the other party the chance to explain  his side at the RIGHT VENUE.  And to my co-kawani ng gobyerno,  let us  do a good job, treat the public with respect, and perform our functions with honesty and fairness.   I thank you. Lol.   




Monday, January 23, 2017

Wanted: Yaya




Happy New Year!  

I’m still alive.  It’s been months since my last  post. That’s why  I was  really having a hard time thinking  on what  I will write about. There were so many events/milestones that have transpired for the last months. My daughter celebrated her 2nd birthday, I celebrated my birthday, we threw a surprise party for my  father’s 70th birthday, etc. etc.   I will try to write a  separate blog posts for those mentioned events.  For now, let me just update you on what’s going on in my life. 

I’m  YAYALESS since December 22!  I spent the entire Christmas vacation running after my uber energetic daughter.  I was a full time mom for more than two weeks. I have to admit, it was hard…really hard.  Ang lakas   makalosyang.   Without exaggeration, my time and energy were all given to Baby C.  There were times that I didn’t even bother to  take a bath, or comb my hair, or dress up.   Also, I needed to eat as fast as I can. Yun, ilang beses akong naempacho!   What happened to Baby C’s yaya?  As usual, we all went to Bicol for Christmas. I permitted my daughter’s yaya  to take a Christmas Vacation for two weeks (she’s also from Bicol).   She went back on our agreed date. However, after one day, she told me that she’s not feeling well, that she wanted to sleep at their house. I said yes, but I already had a strong feeling that she won’t come back. As I expected,  after a few hours,  she texted me that she won’t be able to go back with us to Manila.   For me, it was okay for her to leave. It’s not that I didn’t like  her.  In fact, I liked her very much.  For me, she was not just a yaya, she was a friend.  But, I acknowledged the fact that she also has her own life, that we do not own her. What pisses me off is  that she left us a day before we were supposed to go back to  Manila.  She didn’t give us enough time to look for a  yaya to replace her. Effective Immediately talaga ang resignation niya! Sad.  Good thing, my husband’s niece was ever ready to lend a helping hand.   She’s the one taking care of my daughter now  pending the arrival of the new yaya.    But cleaning, doing the laundry, cooking and taking care of my “pabebe” husband are still my responsibilities, of course.   I don’t know if he’s really pabebe ever since or I’ve just spoiled him.    In fairness, now, that we still don’t have a yaya, the pabebeness level was lessened to 9 from 10. Haha.  I am not complaining though. I love serving my  husband, and   I find joy in  making his life easier.   I think my language of love is “acts of service”.  Kaya lang minsan, sabay ang demands ng dalawa. There are times that I am torn between  my husband and my daughter, and my daughter always wins.  So yeah, we badly need a yaya/househelp! 

By the way, if there's one thing I've learned, it's that you shouldn't treat your househelp as a friend.   Nuff said.