I am sure many of us learned our lesson well, from crazy climate changes and deadly and devastating disasters happening around the world. I am sure we are aware it's our fault right? Maybe our generation is not responsible for everything but our generation can save our mother earth. We can start by planting trees, yes start it in your garden. It doesn't benefit only you but everybody in this world. It's always nice to have a green environment. Another thing you can do for our mother earth is conserve energy. It's the simplest thing but very hard to do. People are now unto computers and any electronic devices but I can't blame them coz electronics and gadgets are very helpful to us that's why there are some things made to lessen usage of such devices like home insulation during winter. Other ways to save earth is like what my favorite to do, re using things and recycling. I used to re use plastic bags from the grocery and use it as a garbage bag instead of throwing it immediately. But if you have reusable shopping bags then avoid using plastic bags anymore. One more thing you can contribute on saving the world is choosing things that are eco friendly. Sometimes you can't avoid not to buy stuff that you need especially when our kids requesting for a toy, don't worry there's plenty of eco friendly toys and gifts' store out there. Always remember, don't let our mother earth die on our hands, let's start saving it and save our next generation.
Tuesday, May 24, 2011
Thursday, May 12, 2011
Window Shopping
Last week before we go to a friends' house and watch PACQUIAO-MOSLEY fight via payperview, we drove to the mall and look for a Pacquiao shirt. Unfortunately there's none si we just decided to shop for some kids' clothes. Husband asked me what I want to buy and I said I don't have anything in my mind so we just went to the pay area after buying the kids' some clothes. At the back of the pay area I saw some ladies clothes so I left the kids with the husband and did some window shopping. I saw a lot of clothes that I would really love to buy, while looking I noticed I've seen some high fashion scrubs for sale in there like the one I've seen in http://www.blueskyscrubs.com/ online. Back to my business, I kept looking for some affordable yet chick clothes and finally chose a sleeveless top and a pair of shorts. After shopping in the mall, we also headed to a home depot and look for some shoe rack but there's none so we just roam around the big store and drool our selves with the fascinating furniture insde.
There's a Flood in the Bathroom
I accidentally left the faucet open this morning and the sink hole closed. My kids were in the bath tub swimming while me forgot that I am washing something in the sink. When I got to go back to the bathroom, I stepped on this overflowing water in the kitchen. I was wondering where the water coming from so I looked and surprised when I got to know the water was coming from the overflowing sink! Gosh, how could I forget I am washing in the sink and I left? Now I had to wipe out the water all over the floor from the bathroom up to the kitchen floor! The carpets inside the bathroom almost got floating because of the water. I had a hard time cleaning them coz I don't have any carpet drying fans austin found in http://www.thesteamteam.com/ . I only used a rag to dry the water and it took me 20 minutes to clean up. Oh, I hope this will serve a lesson to me, I am so forgetful so next time I should not leave the faucet open and finish what I am doing first before going out or doing other things.
Wednesday, May 11, 2011
The Great 300 Documentary
Thanks for the post, Nora Howe
Have you ever heard of the great spartans and how they did the impossible by taking on one million persians with only 300 men? This is one of my favorite documentaries of all time. This is a true story about the 300 spartan soldiers who stood strong against the mighty persians in an ancient battle long ago. The reason that I really like this story is because it shows the great quality of the soldiers of Sparta as well as a code of life that they lived by. The idea of a warrior king has been noted in history but no one comes more true to this than King Leonidas. He is the man of all men, the warrior of all warriors ! and puts the code of Spartans to the test. Although there have been movies that address this great battle, it was nice to see the documentary on satellite TV fromwww.tvbydirect.com because I was able to get a much better and more accurate understanding of the layout of the terrane as well as a better idea of the battle strategies that were used. Also, the documentary explains the many traditions that were used in that time to detriment how and when the army was used and how there were only a select 300 soldiers used instead of the remaining thousands. This is a great documentary to watch not only for people who like historic battles but also for those looking for a little inspiration and courage.
I Disclose
This policy is valid from 18 March 2011
This blog is a personal blog written and edited by me. For questions about this blog, please contact jes.lising@yahoo.com.
This blog does not accept any form of cash advertising, sponsorship, or paid topic insertions. However, we will and do accept and keep free products, services, travel, event tickets, and other forms of compensation from companies and organizations.
The compensation received will never influence the content, topics or posts made in this blog. All advertising is in the form of advertisements generated by a third party ad network. Those advertisements will be identified as paid advertisements.
The owner(s) of this blog is not compensated to provide opinion on products, services, websites and various other topics. The views and opinions expressed on this blog are purely the blog owners. If we claim or appear to be experts on a certain topic or product o
This policy is valid from 18 March 2011
This blog is a personal blog written and edited by me. For questions about this blog, please contact jes.lising@yahoo.com.
This blog does not accept any form of cash advertising, sponsorship, or paid topic insertions. However, we will and do accept and keep free products, services, travel, event tickets, and other forms of compensation from companies and organizations.
The compensation received will never influence the content, topics or posts made in this blog. All advertising is in the form of advertisements generated by a third party ad network. Those advertisements will be identified as paid advertisements.
The owner(s) of this blog is not compensated to provide opinion on products, services, websites and various other topics. The views and opinions expressed on this blog are purely the blog owners. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.
This blog does not contain any content which might present a conflict of interest.
To get your own policy, go to http://www.disclosurepolicy.org
r service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.
This blog does not contain any content which might present a conflict of interest.
To get your own policy, go to http://www.disclosurepolicy.org
Wednesday, April 6, 2011
The Big Move
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Wednesday, May 6, 2009
Looking for A House and Lot Thru Pag ibig?
What is your preferences? How much is your budget? These are the regular questions an agent will ask if you are inquiring about house and lot. Yes, so that they can find you a perfect home that fits your preferences and your budget as well.Looking for a house is not that easy. You have to think of your budget first. And the easiest way of availing a house is thru pag ibig. Pag ibig housing is affordable. Most of the Overseas Filipino Workers and Local employees are availing thru Pag Ibig. Let me give you some projects I know that can be avail thru pag ibig:
Project Name: Las Palmas
Location : Caypombo, Sta. Maria, Bulacan
House Models : Two storey Town house : ANAHAW 26, ANAHAW 38, and ANAHAW 48
Price Range: Php 670,000 - 909,000
Anahaw 28 (Bare Type), Anahaw 38(1 bedroom) and Anahaw 48 (2 bedrooms)Project Name : On Lancaster Lane
Location : Alapan, Imus, Cavite
House Models : The Villas, The Manor
Price Range: Php 550,000 - 850,000
The Villas Bungalow/Rowhouse
Min. Lot Area 43 sqm / Floor Area 23 sqm
The Manor
Two Storey Townhouse
Min. Lot Area 40 sqm / Floor Area 40 sqm
For more info please visit http://jganlising.sulit.com.ph or send queries at jganlising@yahoo.com
Two Storey Townhouse
Min. Lot Area 40 sqm / Floor Area 40 sqm
For more info please visit http://jganlising.sulit.com.ph or send queries at jganlising@yahoo.com
Monday, April 6, 2009
Avail Property Thru Pag Ibig
Are you a Pag Ibig member? Most of the buyers wants to use their Pag Ibig loans. But even you're a Pag Ibig member, you can't easily just file your loan and have your house loan instantly. Of course you have to go on process and you have to comply with the requirements. Here are the requirements you need to submit:
1. Photocopy of Income Tax Return(ITR if locally employed)
2. Cerificate of Employment and Compensation(original, sealed and notarized)- consularized if OFW
3. Latest 3 months payslip
4. Valid Government IDs(photocopy of passport, PRC license, driver's license, SSS ID and etc.)
5. 1x1 ID pictures
6. Photocopy of Birth Certificate, if single
Photocopy of Marriage Certificate, if married
7. Proof of Billing Address(like meralco, PLDT and etc)
8. Photocopy of Company Valid ID
9. MSVS(couselling) slip
10. TIn Number
11. Photocopy of Job Contract(notarized and consularized) - if OFW
12. Special Power of Attorney(SPA) - notarized and consularized -if OFW
13. Photocopy of POP Book -if OFW
Make sure you complete all these requirements to be able to process your loan application and have it approved by Pag Ibig.
Sunday, February 1, 2009
Windsor Mansions - NEW CASTLE HOUSE MODEL
House Features:
- Floor Area: 110 sq. m.
- Typical Lot Area: 120 sq. m.
- Three (3) Storey
- Four (4) Bedrooms
- Three (3) Toilet & Bath
- Living Area
- Dining Area
- Kitchen Area
- Service/Laundry Area
- Balcony Area
- Provision for Four (4) Car Garage
House Finishes:
- Concrete Roof Tiles
- Painted Exterior and Interior Walls
- Tiled Toilet & Bath
- Tiled Kitchen Counter with
- Stainless Kitchen Sink
- Steel Casement Windows
Sample Computation
Option 1: BANK Financing 20% DP
| SELLING PRICE (SP) | 2,690,000.00 |
| RESERVATION FEE: | 30,000.00 |
| DOWNPAYMENT: | |
| 20% of SP | 538,000.00 |
| Less Reservation Fee | 30,000.00 |
| Net Downpayment | 508,000.00 |
| Monthly Downpayment: | |
| 12 months @ 0%interest | 42,333.33 |
| 15 months @ 0%interest | 33,866.67 |
| AMORTIZATION: | |
| Loanable Amount (80% of SP + 8% Proc fee) | 2,367,200.00 |
| Monthly Amortization: | |
| 5 Years @ 10.5%P.A. | 50,880.36 |
| 10 Years @ 10.5% P.A. | 31,941.81 |
| 15 Years @ 10.5% P.A. | 26,167.01 |
Option 2: INHOUSE Financing 20%DP
| SELLING PRICE (SP) | 2,690,000.00 |
| RESERVATION FEE: | 30,000.00 |
| DOWNPAYMENT: | |
| 20% of SP | 538,000.00 |
| Add Processing Fee (4.5% of SP) | 121,050.00 |
| Less Reservation Fee | 30,000.00 |
| Net Downpayment | 629,050.00 |
| Monthly Downpayment: | |
| 12 months @ 0%interest | 52,420.83 |
| 15 months @ 0%interest | 41,936.67 |
| AMORTIZATION: | |
| Loanable Amount (80% of SP) | 2,152,000.00 |
| Monthly Amortization: | |
| 5 Years @ 18%P.A. | 54,646.66 |
| 10 Years @ 21% P.A. | 43,025.30 |
Windsor Mansions - CLAIRE HOUSE MODEL
House Features:
- Floor Area: 111 sq. m.
- Typical Lot Area: 120 sq. m.
- Two (2) Storey
- Four (4) Bedrooms
- Two (2) Toilet & Bath
- Living Area • Dining Area
- Kitchen Area • Service/Laundry Area
- Provision for Terrace and Lanai
- Provision for 2 car garage
- Provision for front lawn
- Provision for CATV, Telephone and Air-Conditioning Units
House Finishes:
- Pre-painted G.I. Roofing
- Painted Exterior and Interior Walls
- Tiled Toilet & Bath
- Tiled Kitchen Counter with Stainless Kitchen Sink
- Steel Casement Windows
- Ceramic Bathroom Fixtures
Option 1: BANK Financing 20% DP
| SELLING PRICE (SP) | 2,260,000.00 |
| RESERVATION FEE: | 20,000.00 |
| DOWNPAYMENT: | |
| 20% of SP | 452,000.00 |
| Less Reservation Fee | 20,000.00 |
| Net Downpayment | 432,000.00 |
| Monthly Downpayment: | |
| 12 months @ 0%interest | 36,000.00 |
| 15 months @ 0%interest | 28,800.00 |
| AMORTIZATION: | |
| Loanable Amount (80% of SP + 8% Proc fee) | 1,988,800.00 |
| Monthly Amortization: | |
| 5 Years @ 10.5%P.A. | 42,747.07 |
| 10 Years @ 10.5% P.A. | 26,835.87 |
| 15 Years @ 10.5% P.A. | 21,984.18 |
Notes for Bank Financing:
|
Option 2: INHOUSE Financing 20%DP
| SELLING PRICE (SP) | 2,260,000.00 |
| RESERVATION FEE: | 20,000.00 |
| DOWNPAYMENT: | |
| 20% of SP | 452,000.00 |
| Add Processing Fee (4.5% of SP) | 101,700.00 |
| Less Reservation Fee | 20,000.00 |
| Net Downpayment | 533,700.00 |
| Monthly Downpayment: | |
| 12 months @ 0%interest | 44,475.00 |
| 15 months @ 0%interest | 35,580.00 |
| AMORTIZATION: | |
| Loanable Amount (80% of SP) | 1,808,000.00 |
| Monthly Amortization: | |
| 5 Years @ 18%P.A. | 45,911.32 |
| 10 Years @ 21% P.A. | 36,147.65 |
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