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Saturday, September 30, 2017

Happy birthday to me : )







Friday, September 29, 2017

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Thursday, September 28, 2017

16 Personalities

Your Test Results

Thank you for completing our personality test! Here is a copy of your results:
 
Personality type: “The Consul” (ESFJ-A)
Individual traits: Extraverted – 61%, Observant – 61%, Feeling – 65%, Judging – 68%, Assertive – 67%
Role: Sentinel
Strategy: People Mastery
You can also access your profile on our website by using the combination of your email address and this password: 75913f11

Unlock Your Potential

If you want to go deeper and learn how to apply this knowledge in practice, consider getting your premium profile. These e-books are crammed with explanations, guidance, and tools to help you achieve your unique goals – just like they have already helped thousands of other people. Their testimonials speak for themselves!
Until next time,
The 16Personalities Team

Tuesday, September 26, 2017

SIPAG, TIYAGA AT HALAGANG Php 8,600, magkakaroon ka na ng bahay! - Joan Benigno

Shared from Joan Benigno's post :
SIPAG, TIYAGA AT HALAGANG Php 8,600, magkakaroon ka na ng bahay!
Dahil may mga nagtanong kung paano ako nakakuha ng bahay sa PAG-IBIG. Gusto kong i-share kung paano magkaroon ng sariling bahay ng hindi gumagastos ng malaki!
PAANO?
***Acquired assets ng Pag-ibig or foreclosed properties. Ito yung mga bahay na under ng Pag Ibig Housing Loan na hindi na naitutuloy bayaran ng mga owner kaya binabawi ng Pag ibig. Sa Acquired asset pwede kang makakuha ng bahay through bidding via auction or Negotiated Sales.
At dahil wala akong pang down payment, under Negotiated Sale ang kinuha ko, ito yung mga properties na galing sa 2 auctions na walang kumuha. Bali may 2 auction: first public auction, No discount; second public auction, with Discount. TAKE NOTE: Ang Negotiated Sale ay WALANG down payment, kailangan lang ng Php 1,000 for reservation fee. Since mura lang sya, obviously, agawan at paunahan talaga sa pagkuha ng bahay.
1. May list ng mga property na pinopost ang Pag Ibig sa website nila under ng Negotiated Sale. Kailangan mong pumili at bisitahin ang bahay bago ka magpa-reserve. Kasi may mga bahay na di maayos kaya dapat icheck nyo muna. AS IS, WHERE IS yon. Meaning kung ano itsura nun, yun na yong makukuha nyo. Monthly nadadagdagan ang property sa list ng Negotiated Sale, everytime na walang nakakakuha sa second auction.
2. Kapag may list ka na ng bahay na gusto mong kunin at nabisita mo na yon, pwede ka nang magpareserve sa Pag Ibig Office ng Acquired Asset sa Shaw Blvd. Branch for NCR (Check na lang po sa website para sa ibang lugar).
3. Magfill-up ka na ng form for reservation, magbayad ng Php 1,000 at magdala ng 1 valid ID. Then, pili ka na ng mode of payment: Cash (30% discount), Installment (20% discount) (within a year only) or Housing Loan (10% discount)(for qualified members of Pag Ibig Fund, long term installment up to 30 yrs). I-clear ko lang na may interest ang Long Term Installment, pwede syang bayaran for 15, 20, 25 or 30 years. Nasa sa inyo na po yun. Mapapamura kasi ang monthly kapag matagal, yun nga lang magmamahal lang sa interest kasi longer years.
For Housing Loan:
***Kailangan mong ipasa ng kumpleto ang mga requirements na hinihingi sayo sa loob ng 30 days pero usually 2 weeks lang depende sa deadline na ibibigay sayo. Make sure na kumpleto then, maghihintay ka na lang up to 2 months for approval.
4. After 2 months, may matatanggap kang text if approved ka or hindi. If approved, kasama sa text kung magkano kailangan mong bayaran for processing fee and advance payment for insurance premiums within 5 days only or else, cancelled na yun. (Yung binayaran ko is around Php 7,405)
5. Pagdating mo sa Pag Ibig Office, magpipirma ka na ng Notice of Approval, magbabayad ng Php 7,405 tapos ipapa-photocopy yung receipts and ID. Magprepare din ng Php 200 para ipa-notarize yung Deed of Conditional Sale then, pirma lang ulit. After nun, pwede mo nang kunin yung keys mo. MAY BAHAY KA NA!
***Hintayin mo na lang kung kelan yung take out ng bahay mo or kung kelan ka magstart magbayad ng monthly payment. Usually 2 to 3 weeks daw yun. Pero pwede mo ng tirahan yung bahay anytime or as long as livable na sya.
***TAKE NOTE: Hindi lang po worth Php 8,600 yung bahay, sa processing fee and other fees lang po yun. Depende pa sa price ng bahay yung next na babayaran mo for monthly. Tsaka depende sa mode of payment.
***Yung bahay na nakuha ko ay sa Kawit, Cavite, 38sqm, Townhouse and worth Php 783,000 (discounted na sya ng 10%). Bali ang monthly ko is around Php 5,500 per month for 30 yrs. Wala pang nakakabit na kuryente, tubig, divider at kisame; at never pang natirhan kaya parang bumili lang din ako ng bagong bahay. Halos kapareho lang ng mga tiniturn over sa mga kumuha ng bagong bahay ang pinagkaiba lang mas mura yung sakin kasi matagal ng gawa.
***2 months din akong naghanap ng bahay pero every weekends lang yun since may work ako, so mas mabilis kayo makakahanap kung madalas nyong aasikasuhin. Pero syempre depende pa rin yun sa mga available na property.
***Take Note: Marami pang mas murang bahay na naka-lista dun, nasa sa inyo na lang kung alin ang gusto nyong kunin. Sa totoo lang, mahal pa yang Php 5,500 a month. Pero marami pa pong bahay na mura lang ang price.
***Bago kayo makakuha ng bahay dapat QUALIFIED MEMBER kayo ng Pag-IBIG, may 2yrs contribution na at may source of income. If ever na di pa umabot ng 2yrs, pwede ring mag lump sump payment para mabuo yung 2yrs. Php 200 per month lang naman yun.
***Additional, kung meron po kayong pera pang-down pwede kayo sa Bidding kumuha ng bahay para sure nyong makukuha talaga.
***Pwede kayong mga-inquire sa Pag-IBIG Shaw Blvd. or pwede rin nyo akong i-pm. 
***Basahin nyo na rin yung blog ko, para sa mga tips na ni-share ko: https://joanbegino.wordpress.com/…/08/invest-now-travel-la…/
***At the age of 22, may bahay na ako. I encourage everyone na at the young age ay matuto na ring mag-invest para sa future. Syempre di lang naman para sakin to, para rin to sa bf ko na tumulong at para sa future family namin. Hihi. ❤️
***Wag po kayong manghinayang sa interest kapag long term installment ang pipillin nyong mode of payment. Kasi kung ayaw nyo po na umabot ng Million edi bayaran nyo po ng cash since sa case ko na wala namn akong cash, okay na sakin ang ganun interest. Mababayaran namn tsaka mas nakakapanghinyanang kung magbayad ka ng monthly sa rent tapos di naman din sayo mapupunta yun bahay. Haha







Monday, September 25, 2017

LEE KUM KEE PRICE ROLLBACK

The original formulations you love, the same premium ingredients—ngayon, mas affordable na!

We’re rolling back prices on select sizes of our Sesame Oil and Panda Brand Oyster Sauce so more Filipino families can enjoy delicious dishes—made more often with Lee Kum Kee.

At hindi lang yan! Meron ding mga bundle pack promos in supermarkets nationwide—para extra sulit ang sarap. Kaya bili na sa inyong suking tindahan!
Follow our Facebook page—so you can keep getting new recipes and tips on how to make bongga dishes with Lee Kum Kee.

Saturday, September 23, 2017

Friday, September 22, 2017

Kaladkaren Davila

Kung kay Maria Sophia Love ay imbyernang imbyerna ako ay dito naman kay Kaladkaren Davila ay aliw na aliw ako sa baklang ito he he he.

Dapat ganito ang mga bakla , good vibes lang huh!




Wednesday, September 20, 2017

Easy Online Shopping Philippines




Easy Online Shopping Philippines is with Evangelize Selasor and Jazzi Menosa.Like Page
September 10 at 11:12am ·
Additional 250 PHP Discount If you liked our page and shared this post.

September Sale! Promo ends on September 10, 2017.
Like our page and share this post to avail the 250 Pesos Discount on all LED TV!

Cash on Delivery!!(Kaliwaam, Iwas scam!)
FREE DELIVERY!
14 days Replacement/Refund , 1 year service warranty
DOOR TO DOOR DELIVERY !
FIRST COME FIRST SERVE BASIS!

Authentic & Brand New Sealed
Reviews :
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Cherry Mobile Cubix CubeBook Windows 10 Intel HD Graphic 14in
Sale Price:  5,599.00
Before  6,999.00,
You save 20%

Ace 32" Slim LED TV Black LED-808 DN4
Sale Price:  5,599.00 or 5,349 if you like our page and share this post)
Before  9,999.00,
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SPARC S3200S 32" Slim Smart LED HDTV with free Wall Mount Bracket
5,999.00 or 5,749.00 if you like our page and share this post)
Before  9,999.00,
You save 30%

SOFIA 706 3G Android Phone Tablet 8GB ROM (Black)
Sale Price:  1,199
Before  2,500.00,
You save 50%

Fukuda FHT100I 2.1 Channel Home Theater Speaker bundle with DMD225K 2.0 Channel MIDI 99,000 Songs DVD Karaoke Player and Microphone
Sale Price:  1,836
Before  3,099.00
You save 26%

Lenovo Tab3 Essential 7-inch 8GB Wi-Fi Only (Black)
Sale Price:  2.999
Before  4,999.00,
You save 40%

Check and like our page for more items and promos.
Available: LED TVs, Mobile Phones, Tablets, Washing Machine and other Appliances, all brand new and with warranty.
More items here >> smarturl.it/saledeals

Sunday, September 17, 2017

OLX in September


The season is changing and new leaves are turning! Welcome the cold months with warmth and excitement with fun ideas you can do with friends, family and for yourself.
Rainy season got you down? Don’t worry because there are still plenty of ways to have fun indoors.
With so many people competing for a finite number of jobs, companies can be picky. Here are some job interview tips to help you.
Read this adventure of a lifetime featuring The Baconeers, as they travel 12,000-km on land, experiencing the Philippines like never before.
Here are some friendly reminders when you buy and sell on OLX:
We make sure that we are never shortchanged and cheated with our purchases. But how do we know we have the tools that make a wise buyer?
Breeze through your online shopping safely by familiarizing yourself with some modus operandi. Prevent yourself from falling into these traps!
Youre welcome here
Create meaningful work while learning and having fun!
Join the OLX team and help make win-win exchanges happen every day.
See openings now