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Sourced Kuza Blog | April 1st 2015
1.You focus on linear income instead of passive income
Sourced Rappler | March 29th 2015
“Safety must start from homes” .
MANILA, Philippines – Is the Philippines ready for a big earthquake?
With the country surrounded by various active faults and trenches, earthquakes – whether weak or strong – are expected to occur. (READ: Strongest earthquakes in the Philippines)
In fact, a 2004 study conducted by Philippine Institute of Volcanology and Seismology (Phivolcs), the Metropolitan Manila Earthquake Impact Reduction Study (MMEIRS) found out that a magnitude 7.2 earthquake could destroy 40% of the buildings and could kill about 30,000 – 40,000 people in Metro Manila – the country’s business hub and where government agencies are located.
While schools and offices in different parts of the country conduct earthquake drills regularly, these are focused on what the public and the government should do during and after an earthquake. (WATCH: LIVE: #OplanPagyanig: National Earthquake Drill)
But what are the ways to prepare for it?
On Thursday, March 26, MovePH, Rappler’s civic engagement arm, held a #ZeroCasualty conversation on Facebook to discuss earthquake preparedness and safety with guests from Phivolcs and Red Cross.
In a country prone to geological hazards, Phivolcs stressed the importance of preparedness, which should start within the family.
“Safety must start from homes. A family should discuss and have a plan as to what they should do in case of an earthquake,” the agency said.
Here are some ways on how families can be prepared for the “big one.”
- Know the earthquake hazards in the area
- Be conscious of the structural integrity of the house
- Set up furniture and appliances in a way that they will not topple when there is a strong ground shaking
- Prepare emergency bag/kit for each member of the family
Below is a Phivolcs infographic on what to do before, during and after an earthquake strikes
While earthquakes in general, cannot really be predicted, the risks it poses can be reduced by avoidance through proper planning, according to Phivolcs.
Sourced imoney.ph | March 3rd 2017
For many of us, our ultimate dream is to stop renting and purchase our own home. Unfortunately, the majority of us do not have enough money to pay for our entire house in cash. That’s where a home loan comes in. Buying your first home is a major investment, and applying for a housing loan is something that you should approach with care and thought.
The first step in your home buying journey is to use a mortgage calculator. It’s usually a free, online tool that will help you determine how much financing you could qualify for. After you have an idea of how much financing you will need, it’s time to pick a lender.
When we think of a housing loan three products come to mind: a Pag-IBIG housing loan, a SSS housing loan, and a commercial bank housing loan. Since your home is one of the largest purchases you will make during your lifetime, it’s important to pick a financing option that best suits your current lifestyle. Deciding which financing option to choose from may seem like a daunting task, but we’re here to help. Below is an in-depth description of each housing loan option, as well as a comparison chart to help you pick the home loan option that is best for you.
Pag-IBIG Housing Loan
The Home Development Mutual Fund (HDMF), or the Pag-IBIG Fund is a national savings program that was created to provide affordable home loans for Filipinos. A Pag-IBIG house loan can be used to purchase a brand-new property, fully developed or adjoining lots that do not exceed 1,000 square meters, a residential house and lot, condominium, or townhouse. You can also use a Pag-IBIG house loan to complete construction, or refinance your current home.
With a Pag-IBIG housing loan you can obtain financing up to ₱6,000,000.00, and get a maximum repayment term of 30 years. The amount you are approved for will depend on your need, capacity to pay, and loan-to-appraisal value ratio.
The Pag-IBIG loan-to-appraisal value ratio is as follows:
|Loan Amount||Appraised Value|
|Up to ₱400,000.00||100% of the home amount can be financed through Pag-IBIG|
|From ₱400,000.00 – ₱1,250,000.00||90% of the home amount can be financed through Pag-IBIG|
|From ₱1,250,000.00 – ₱6,000,000.00||80% of the home amount can be financed through Pag-IBIG|
Perhaps one of the most attractive aspects of a Pag-IBIG loan is the affordability of the program when compared to other products on the market. You can use this Pag-IBIG Fund Housing Loan Affordability Calculator to get an idea of how much you will be able to borrow based on your income, repayment term, fixed pricing period, and the estimated value of the property you are interested in.
To qualify for a Pag-IBIG house loan you must be a Pag-IBIG member, and must have 24 monthly contributions under the “Pag-IBIG Membership Program.” If you have not made 24 contributions, you have an option to pay 24 months as a lump sum to qualify for the program. In addition, you must not be over the age of 65, cannot have any existing Pag-IBIG housing loan, and cannot have any outstanding multi-purpose loans. You also must not have any previous Pag-IBIG loans that were foreclosed on, cancelled, or bought back due to default. You can get approved for your Pag-IBIG housing loan in as little as 16 working days, if you submit all of the necessary paperwork.
Related Article:How to process a PAG-IBIG loan the step-by-step guide?
SSS Housing Loan
The Social Security System (SSS) Housing Loan, was built to provide working Filipinos with low-cost housing, home loan assumption, and home improvements. An SSS Housing Loan is issued by the Social Security System, a state-run social insurance program. SSS Housing Loans are not as common as Pag-IBIG Housing loans, but still carry many benefits.
You can use a SSS Housing Loan to purchase a lot and construct a new house; purchase an existing residential unit such as a house and lot, condominium, or townhouse; or to construct a new house on a lot that you own which is free from encumbrances and liens.
With an SSS Housing Loan you can borrow up to ₱2,000,000.00, but the actual amount you are granted is based on the lowest of the following:
- Appraised value of collateral totaling at least 70% but not over 90%.
- Your capacity to pay.
- Your need based on the type of work you wish to complete and materials evaluated by the SSS.
Your loan repayment term can be repaid in multiples of five years, with a maximum repayment term of 30 years. Interest rates vary with an SSS Housing loan between 8.0% per annum and 11% per annum as outlined below.
|Loan Amount||Interest Rate|
|Up to ₱450,000.000||8.0% per annum|
|From ₱450,000.00 – ₱1,000,000.00||9.0% per annum|
|From ₱1,000,000.00 – ₱1,500,000.00||10.0% per annum|
|From ₱1,500,000.00 – ₱2,000,000.00||11.0% per annum|
To qualify for a SSS Housing Loan you must be a member of the SSS, be a member of a registered workers’ organization, have at least 36 months’ premium contribution and 24 continuous contributions before the time of your application, cannot be more than 60 years old at the time of your application, cannot have previously been granted an SSS housing loan, and cannot have previously been granted final SSS benefits.
Related Article:When does buying a home make more sense than renting?
Bank Housing Loans
There are many banks to choose from when it comes to home loan financing. One of the best ways to get started with deciding where to get a bank loan is to do research on various financial institutions that interest you or with the ones you’re currently using. Utilize a tool such as a home loan calculator to get an estimate of how much you could finance with a bank.
Banks differ in terms of rates of interest and loan terms. Overall, here is what you can expect from a bank. First, you can use a bank loan to: purchase a townhouse, condominium, vacant lot or house and lot. You can also use a bank home loan to complete construction and home renovations, or to refinance your current home loan. The amount of money you can borrow from a bank for your home loan will vary, and will be dependent upon your capacity to pay. Repayment terms are also variable depending on which bank you decide to get your home loan from. Since banks can provide you with so much flexibility in terms of financing options, doing thorough research before signing any loan document is of utmost importance. Like any loan amount, banks vary in the amount they are willing to finance. Some banks offer 80% to 90% financing, while some offer as low as 70% total financing. Interest rates also vary depending on the bank, the total loan amount, and the loan tenure you decide on.
The qualifications for a bank loan are a little less strict. In most instances, a bank membership is not needed, there are no contribution requirements, and you do not have to have a savings account. You must be a Filipino citizen, or have a Visa if you are a foreigner. Banks traditionally have quicker approval times than other home loan options. If you decide to go with a bank for your home loan financing needs, the best way to ensure fast approval is to fully complete your online home loan application.
In order to be approved for a home loan from a bank, you must have a steady monthly family income. The amount you qualify for, and the rate you receive will be largely dependent on your capacity to pay. Online tools such as a BDO Home Loan Calculator can provide you with an idea of the type of financing you could receive from a bank as compared to a Pag-IBIG Housing loan or SSS Housing Loan.
Related Article: Figuring out how much of a house / condo you can afford?
Which Home Loan Option Is Best For Me?
Buying a home is a major milestone, and you want this time to be memorable, not stressful. That’s why it’s important to pick a home loan that suits your individual needs.
- Pag-IBIG Housing Loan: If you are looking for a straight forward home loan with a low interest rate and flexible payment terms, a Pag-IBIG house loan would be a great financing option for you.
- SSS Housing Loan: If you are a Filipino worker who is part of a registered worker’s organization you could greatly benefit from the low-cost housing options offered by an SSS Housing Loan.
- Bank Loan: If you want a bit more flexibility with your home loan in regards to rate of interest, payment term, and financing amount, a bank home loan may be the way to go.
Above all, remember to utilize a mortgage calculator while doing your research to help you determine how much financing you could quality for, before you start looking for a house. Doing this will help set up expectations, and help you determine what type of financing would be best for you.
Related Article: Are you mature enough to buy a home?
Sourced MoneyMax.ph | January 13th 2015
There’s this indescribable mix of excitement and anxiety for first-time drivers and first-time car owners. But to take things on a legal point, you definitely need a driver’s license before you bring your wheels on the major roads. Spare yourself from spending your first thousand of pesos to the MMDA for driving without license.
The Land Transportation Office (LTO), under the Department of Transportation and Communications (DOTC), is responsible in drivers licensing and motor vehicle registrations. According to the Official Gazette (gov.ph), a driver’s license is “an official document authorizing an individual to drive a motorized vehicle in the Philippines.
read more: List of LTO Branches
LTO has three classifications of drivers licensing: student permit, non-professional driver’s license, and professional driver’s license. Before going to any branch, you have to decide what kind of license you will get. As the name implies, a Professional Driver’s License entitles you to drive a vehicle for a living. Apply for Professional license if you will drive any public utility vehicles (PUVs) such as jeepneys, tricycles, taxi, etc. On the other hand, a Non-Professional Driver’s License allows you to drive private vehicles. In both licenses, a prerequisite is a valid student’s permit, which is “an official document authorizing a person to operate a motorized vehicle in the presence of a duly licensed driver.”
Eligibility for Drivers Licensing:
- You must be at least seventeen (17) years old.
- You must be physically and mentally fit to operate a motor vehicle.
- You must not be a drug user or alcoholic.
- You must be able to read and write in Filipino or English.
- You must be clean, neat and presentable.
For Non-Pro driver’s license, take note of these steps:
List of Driver’s License Requirements
- Duly accomplished Application form for Driver’s License (ADL).
- Valid Student Permit (at least 1 month old)
- Medical Certificate with Official Receipt (from LTO accredited or Government physician)
- Taxpayer’s Identification Number (TIN) if employed
- Passing score in the written and practical examinations
1. Get a Student Permit
Before applying, you should accomplish a Student Permit also from LTO. When testing your driving skills on the road on your first few tries, you’ll need to present this permit to authorities who might issue you a ticket. A student permit will cost you around PHP 300 for 2-3 hours of processing. The one-month-old student permit is your time to really practice your driving.
2. Medical Examination
Before filing your application for a driver’s license on the same day, you will be required to get a medical examination which will cost around PHP500. Make sure that you only deal with LTO-accredited clinics, usually near the LTO branch.
3. Road Signs and Major Traffic Rules
As early as the thought of driving pops in your head, be wary of the road signs. In your exam, you will be asked for around 50 questions of road signs. If you pass the exam, you will get in to the next step.
4. Practice driving
When you apply for any of the two driver’s license, your skills will be test through a practical exam facilitated by an LTO officer and gauge if you’re capable of driving. It is notable though that a lot of people brags about getting a license without undergoing this process. But in reality, these people are the ones who get caught in vehicular mishaps because of foolish risks. No one is worthy to be on the road without any driving knowledge.
Here’s a run-through of your expense for that day:
|Medical Examination||Php 100.00|
|Application Fee + Computer Fee||Php 167.63|
|Driving Test Fee||Php 400.00|
|License Fee + Computer Fee||Php 417.63|
|TOTAL COST||Php 1,085.26|
Sourced Wikipedia | Image sourced NJYTolentino
Metro Manila Major Roads
This list of roads in Metro Manila summarizes the major thoroughfares and the numbering system currently being implemented in Metro Manila, Philippines. Metro Manila’s arterial road network consists of National Roads, the Circumferential Roads, and the Radial Roads, as well as the other major roads connecting the cities of Manila, Quezon, North and South Caloocan, Valenzuela, Malabon, Navotas, Pasay, Parañaque, Las Piñas, Taguig, Muntinlupa, Marikina, Pasig, Mandaluyong, Makati, Pateros, and San Juan as well as the surrounding provinces.
List of numbered routes
The first road numbering system in the Philippines was adopted in 1930 by the administration of President Manuel Quezon, and was very much similar to U.S.
In 1945, the Metropolitan Thoroughfare Plan was submitted by Quezon City planners Louis Croft and Antonio Kayanan which proposed the laying of 10 Radial Roads, which purposes in conveying traffic in and out of the City of Manila to the surrounding cities and provinces, and the completion of 6 Circumferential Roads, that will act as beltways of the city, forming altogether a web-like arterial road system. The Department of Public Works and Highways (DPWH) is the government agency that deals with these projects.
The road numbering for Radial Roads are R(Radial Road)-1 up to R-10. The radial roads never intersect one another and they do not intersect circumferential roads twice; hence they continue straight routes leading out from the city of Manila to the provinces. The numbering is arranged in a counter clockwise pattern, where in the southernmost is R-1 and the northernmost is R-10. The Circumferential Roads are numbered C(Circumferential Road)-1 to C-6. The innermost beltway in the city is C-1, while the outermost is C-6.
Circumferential Roads of Metro Manila
There are six (6) circumferential roads around the City of Manila that acts as beltways for the city. Two run inside the City of Manila Proper, while three run outside the City of Manila. Another circumferential road, the C-6, will run outside Metro Manila and is under construction.
Circumferential Road 1
Cover Roads (City of Manila) 5.9 Km long
- Recto Avenue
- Pedro Casal Street
- Ayala Boulevard
- Finance Drive
- Padre Burgos Avenue
C-1 is a route that runs inside the City of Manila proper, passing through the Tondo, Binondo, Quiapo and Ermita districts. It starts from the North Port as Recto Avenue and becomes P. Casal Street after crossing R-6. The road crosses the Pasig River as Ayala Boulevard, which ends in Taft Avenue and enters Rizal Park as Finance Drive, which merges into the southern part of Padre Burgos Street, which ends in a junction with Roxas Boulevard.
Circumferential Road 2
Cover Roads (City of Manila) 10 Km long
- Capulong Street
- Tayuman Street
- Lacson Avenue
- Quirino Avenue
The C-2 Road starts from Tondo, Manila, passing through Binondo, Sampaloc, Pandacan and Paco Districts. It starts from R-10, becomes Tayuman Street in the Sampaloc district, then continues on as Arsenio H. Lacson Avenue after passing A. Mendoza Street. It crosses the Pasig River, then becomes President Quirino Avenue, which continues on until it reaches R-1 (Roxas Boulevard), passing through the Paco and Malate districts.
Circumferential Road 3
Cover Roads (Navotas – Pasay) 21.7 Km long
- C-3 Road
- 5th Avenue
- Sgt. E. Rivera Avenue
- G. Araneta Avenue
- Metro Manila Skybridge
- South Avenue
- Ayala Avenue Ext.
- Gil Puyat Avenue
The C-3 Road is a route that lies outside the City of Manila. It starts as the C-3 Road in Navotas, and becomes 5th Avenue after entering Caloocan. It becomes Sergeant E. Rivera Avenue after crossing A. Bonifacio Street, and becomes G. Araneta Avenue after crossing the Kaingin Road in Quezon City. The road ends shortly after entering San Juan, only resuming at the junction of J.P. Rizal Avenue and South Avenue. South Avenue becomes Ayala Avenue after crossing Chino Roces Avenue. The route is rerouted to Gil Puyat Avenue after Ayala Avenue enters the Ayala Triangle, an important industrial landmark in Makati. The proposed Metro Manila Skybridge will bridge the missing segment of the road.
Circumferential Road 4
Cover Roads (Malabon – Pasay) 28.1 Km long
- C-4 Road
- Letre Road
- Samson Road
- Epifanio de los Santos Avenue
The C-4 Road starts from Malabon. It becomes Letre Road, then becomes Samson Road after entering Caloocan. After crossing the Monumento Roundabout, the C-4 Road becomes EDSA, the most important thoroughfare in the metropolis. With 2.34 million vehicles and almost 314,354 cars passing through it and its segments everyday, the road is also the most congested and busiest highway in the metropolis. The road ends Mall of Asia roundabout in Pasay. The MRT-3 follows the route of C-4, from North Avenue to Taft Avenue.
Circumferential Road 5
Cover Roads (Malabon – Parañaque) 55 Km long
- NLEX – Karuhatan Link
- NLEX – Mindanao Avenue Link
- Mindanao Avenue
- Congressional Avenue
- Luzon Avenue
- Tandang Sora Avenue
- Katipunan Avenue
- Bonny Serrano Avenue
- E. Rodriguez Jr. Avenue
- Carlos P. Garcia Avenue
- C-5 Road Ext.
Several arising controversies regarding an expressway MCTEP, properties of Sen. Manny Villar, and the constant squatter demolishing issues in Quezon City causes the C-5 Road, although complete, have less than half of the length, only 32.5 kilometres (20.2 mi), be functional. The road officially starts from Letre Road, but it only starts from the NLEX Segment that crosses the North Luzon Expressway and becomes Mindanao Avenue. The road will follow the route of Congressional Avenue and Luzon Avenue, crossing Commonwealth Avenue and becoming Tandang Sora Avenue, which becomes Katipunan Avenue after crossing C.P. Garcia Avenue in the University of the Philippines campus. The road will follow the route of Col. Bonny Serrano Avenue, which becomes C.P. Garcia Avenue after entering Pasig. The road ends in South Luzon Expressway. A continuation of the road currently provides no access, which starts from Merville, Parañaque to Coastal Road in Las Piñas.
Circumferential Road 6
Cover Roads (Marilao, Bulacan – Bacoor, Cavite) 49.1 Km long
- Circumferential Road 6
The Bulacan-Rizal-Manila-Cavite Regional Expressway is a superhighway currently under construction. It will act as a beltway of Metro Manila, so that buses and other transportation vehicles coming from the southern provinces going to the northern provinces would not need to pass through Metro Manila, thus lessening traffic in the metropolis. Its northern terminus is MacArthur Highway and the southern terminus is in Bacoor, Cavite.
Radial Roads of Metro Manila
There are ten (10) radial roads that serves the purpose of conveying traffic in and out of the city of Manila to the surrounding cities of the metropolis and to the provinces, numbered in a counter clockwise pattern. All radial roads starts at kilometre zero, which is, the Jose Rizal Memorial Monument in Rizal Park.
Radial Road 1
Cover Roads (City of Manila – Cavite) 41.5 Km long
- Bonifacio Drive
- Roxas Boulevard
- Manila – Cavite Expressway
- Antero Soriano Highway
Radial Road 1 connects the City of Manila to the province of Cavite, officially starting at Bonifacio Drive, just south of Pasig River. The road skirts the coastline of Manila Bay entering Roxas Boulevard and later, after crossing NAIA Road, as the Manila-Cavite Expressway. The road will keep skirting the coastline until it ends in a junction with the Governor’s Drive in Naic, Cavite, spanning 41.5 kilometres (25.8 mi) from Rizal Park to Cavite.
Radial Road 2
Cover Roads (City of Manila – Batangas) 64.2 Km long
- Taft Avenue
- Elpidio Quirino Avenue
- Diego Cera Avenue
- Aguinaldo Highway
- Tagaytay – Talisay Road
The road lies parallel to Radial Road 1, connecting the City of Manila to Cavite and Batangas. The road starts from the Lagusnilad Underpass in front of the National Museum in Ermita. The road, as Taft Avenue, will follow a straight route, and after crossing EDSA in Pasay, becomes Elpidio Quirino Avenue. E. Quirino Avenue serves as the main road in the suburb of Parañaque, until it becomes Diego Cera Avenue upon entering Las Piñas. The road then becomes the Aguinaldo Highway after crossing the Alabang–Zapote Road. Aguinaldo Highway serves as the main thoroughfare in the Province of Cavite, ending in the Tagaytay Rotunda, and becoming the Tagaytay-Talisay Road, which ends in front of the Taal Lake. The Manila LRT Line 1 follows the route of R-2 from Padre Burgos Street to EDSA.
Radial Road 3
Cover Roads (City of Manila – Batangas) 96 Km long
- South Luzon Expressway
- Southern Tagalog Arterial Road
The entire road is an expressway, except for its northern end starting from its junction with C5. It is jointly operated by the Skyway Operation and Management Corporation (SomCo) and the Citra Metro Manila Tollways Corporation (CMMTC). Although the kilometer zero of the road is at Rizal Park, the road officially starts from the junction of South Luzon Expressway and Quirino Avenue. The road will follow a straight route from Paco, Manila to Santo Tomas, Batangas, wherein it becomes the Southern Tagalog Arterial Road or the STAR Tollway. The STAR Tollway connects Sto. Tomas to the Batangas Port in Batangas City.
Radial Road 4
Cover Roads (City of Manila – Rizal) 23.5 Km long
- Pasig Line Street
- Kalayaan Avenue
- M. Conception Avenue
- Elisco Road
- Highway 2000 Phase1
The road itself is incomplete. It starts from the junction of Pedro Gil Street and Quirino Avenue in Santa Ana, Manila, and it will enter Makati before ending in a junction with Zodiac Street. A logical continuation of the road starts from the junction of EDSA and Gil Puyat Avenue. The road again ends in a dead end in Kalawaan, Pateros. The continuation of the road starts from the east bank of the Manggahan Floodway, as Highway 2000. Highway 2000 becomes the Taytay Diversion Road after crossing Road 1 in Taytay, Rizal. The proposed Pasig River Expressway is also labeled R-4. The road currently spans 23.5 kilometres (14.6 mi).
Cover Roads (City of Manila – Laguna) 86.1 Km long
- Victorino Mapa Street
- Padre Sanchez Street
- Shaw Boulevard
- Pasig Boulevard
- Ortigas Avenue Ext.
- Taytay Diversion Road
- Manila East Road
Radial Road 5 starts from the upper banks of the Pasig River, parallel to Radial Road 4 on the lower banks. The road will enter Mandaluyong and will become an important thoroughfare in the industrial downtown of Pasig and the Ortigas Center. The road will eventually become the Manila East Road, the main transportation corridor of the Province of Rizal.
Cover Roads (City of Manila – Quezon) 121.6 Km long
- Legarda Street
- Magsaysay Boulevard
- Aurora Boulevard
- Marikina – Infanta Highway
Radial road 6 starts from the junction of Mendiola Street and Ayala Boulevard. The road will serve as an important thoroughfare in Santa Mesa, Manila, and will enter the New Manila District of Quezon City after crossing G. Araneta Avenue and becomes Aurora Boulevard. The boulevard will enter the District of Cubao in Quezon City and will serve as the main thoroughfare in Araneta Center. The road becomes Marikina–Infanta Highway (Marcos Highway) after crossing Katipunan Avenue. The highway will then pass through the cities of Marikina then in Pasig and transverse the province of Rizal. The road would continue further and will end in a dead end in Infanta, Quezon. The MRT Line 2 follows the route of R-6 from Legarda Street in San Miguel, Manila to Marcos Highway in between the boundaries of Santolan, Pasig and Calumpang, Marikina. The road spans 88.6 kilometres (55.1 mi) long.
Cover Roads (City of Manila – Bulacan) 53.6 Km long
- Lerma Avenue
- España Boulevard
- Quezon Avenue
- Elliptical Road
- Commonwealth Avenue
- Quirino Highway
- SJDM – Norzagaray Road
Radial Road 7 starts from Quiapo, Manila. The road will follow a direct route to Quezon City. After crossing the Quezon City Memorial Circle, it becomes Commonwealth Avenue, the widest road in the Philippines. The route then follows Regalado Highway in Fairview, Quezon City, and it ends in a junction with Quirino Highway in the Neopolitan Business Park in Lagro. The road drives north to Bulacan, until it ends with a junction with Fortunato Halili Avenue. The currently under construction North Luzon East Expressway or the R-7 Expressway is a continuation of this road.
Cover Roads (City of Manila – La Union) 210 Km long
- Quezon Boulevard
- Alfonzo Mendoza Street
- Dimasalang Street
- Andres Bonifacio Avenue
- N. Luzon Expressway
- Subic – Clark – Tarlac Expressway
- Tarlac – Pangasinan – La Union Expressway
Radial Road 8 starts from Quezon Bridge in Quiapo, Manila. The road will follow a direct route northwards, becoming the North Luzon Expressway after crossing EDSA. The road becomes SCTEX after crossing MacArthur Highway in the Paradise Ranch in Clark Freeport Zone, Angeles, Pamapanga.
Cover Roads (City of Manila – La Union) 228 Km long
- Rizal Avenue
- MacArthur Highway
- Pugo – Rosario Road
The Radial Road 9 consists of the northern portion of the Pan-Philippine Highway or AH-26.(R-2 takes the southern portion) The LRT-1 follows the route of R-9 from Manila to Gracepark, Caloocan. R-9 starts as the Rizal Bridge from Padre Burgos Street. It follows a straight northward route parallel to R-8. The road becomes MacArthur Highway after crossing the Monumento Roundabout in Gracepark, Caloocan. The road officially ends in the road diversion in Baguio where it diverges into Kennon Road, Marcos Highway/Aspiras-Palispis Highway and the Pan-Philippine Highway
Cover Roads (City of Manila – Bataan) 105 Km long
- Marcos Road
- Manila – Bataan Coastal Road
The Radial Road 10 is currently a 9.7 kilometres (6.0 mi) long highway from Tondo, Manila to C-4 Road. There was a proposed project of extending it to Bataan, as the Manila-Bataan Coastal Road. The project has long since died, but the top local government chiefs of Central Luzon led by RDC Chair and San Fernando City Mayor Oscar Rodriquez, and Zambales Governor Hermogenes Ebdane, Jr. revived the project and approved the CLIP for 2011 to 2016 in the recent 6th RDC meeting in Balanga.
Published by MoneyMax.ph | Kristel Silang – December 26th, 2016
What can you say about your financial state last 2016?
The answer to this question can help you get an overview of what you want to achieve financially this 2017 based on actual personal instances and figures. Did you hit your savings goals? Did you decrease your credit card debt or loan payments? Did you wish that you achieved more last year?
Reflecting on the past year and taking action can help you reach your financial goals for 2017 with more objectivity and effectiveness.
Seat sales? Sales on every corner of the mall at all months of the year? That’s what gets most of us to make impulse buys because we think we will be getting a great deal from it.
A great way to leverage these kinds of savings as well as satisfying that adrenaline of getting the most bang for your buck is to plan your impulse buys.
How to do it:
Set a budget you are willing to spend for leisure for the whole year. Plan your destinations in advance with the time frames so when you get hold of a seat sale, you can gauge if it fits the plan you made for the year. If yes, go for it! If not, check out other couriers on their seat sales.
When you find an interesting product or service, they usually give you a one-month, no commitment FREE subscription. The operative word being free, we are lured into getting on free subscriptions. The psychology behind this is beyond the utility of the product or service, we develop an attachment to any possession we have over time. This is why most people give an overestimate of selling price when selling their pre-loved items.
When the one month passes by and we are prompted to subscribe to continue using the service, we will be willing to pay for the service which we voluntarily signed up for. We may lose sight if we are really utilizing these products or services over time. Most subscriptions are also low on cost so we have this thinking of “Ay, Php100 per month lang naman ang subscription. Ayos lang yan.”
How to do it:
Schedule one hour within this month to assess all the recurring subscriptions you have and ask yourself:
- Can I live one year without this subscription?
- Is there a cheaper way for me to obtain the product or service I got from this subscription?
- How many times this month did I check or use the product or service I am getting from this subscription?
- Does this subscription help me earn money by providing me resources or giving me inspiration to do my work?
By answering these questions, you should be able to gauge whether these subscriptions are worth keeping and sustaining.
Even the most determined saver can get busy with life and miss putting money in his savings. You can also miss putting in savings when you feel obligated to make a sudden purchase before even stepping in the bank to deposit your payment to the other account.
Automating your savings can help you avoid unnecessary purchases and save you time because you do not have to do it manually.
How To Do It:
Sign up for an online account with your bank so you can set-up an automated savings plan. You can also coordinate with your HR Department if your company has a savings plan that you can use so you’ll save money while working in the company.
Thinking about saving money is just the tip of the iceberg. Making it happen is where the challenge lies, and identifying how much your target savings is the next step.
Knowing an exact amount will make this concrete and also make you realize how much you need to put aside per month to hit this goal by the end of the year.
How To Do It:
The amount you will identify should be based on your long-term goals. Is this for a new car or house? For an additional investment in your portfolio? This should also be a realistic goal. A good amount to start with is 10% of your net income. You can increase this over time as your income increases.
It’s not common to read financial literacy books for leisure when you are trying to relax from a long day’s work but it will help you get closer to your financial goals for 2017.
This can be from anywhere from general personal finance to a specific topic in personal finance that you want to know about.
How To Do It:
This depends on your pace and schedule. You can block off time periods during the day to read 10 pages per day or schedule one day to read the whole book. What is important is that you gain progress on getting new information and you apply your learnings on improving your personal finances.
You can add value to your everyday social media break by following financial experts who can give you tips, share motivational quotes, and help you keep going on your journey to financial freedom.
How To Do It:
Here are a few personal finance experts that you can follow. You can set this to “See First” so when you log in at Facebook, you can see their posts at the top of your News Feed:
- Randell Tiongson
- Marvin Germo
- Lianne Laroya
- Fitz Villafuerte
- Burn Gutierrez
- Dave Ramsey
- The Simple Dollar
- Get Rich Slowly
- Wise Bread
Yes, you have an emergency fund. The question is: Is it really ready for when an emergency hits you right this minute? While this might seem negative to think about it before it actually happens, remember that this is the main reason why you are saving up money for an emergency fund. It is not for your big leisure purchases or for those sudden sales in the mall that makes you compelled to spend more than you should.
How To Do It:
Assess every quarter if the full amount of your emergency fund can support you to any of the following emergencies that will call for moving it:
- Hospitalization of yourself or any other family member for 5 days or more
- Losing your job tomorrow
- Your car totally breaking down
- Needing to have an international trip because of an emergency with a family member abroad
For most Filipinos, this is the time after work when they rest and take a break from work. This may also be the time to help you get additional income which may not be immediate but gradually being built up.
Successful individuals may stop the work once they step out of their offices but they do not stop learning and improving their skills so they are at the optimum condition when they get back on the hustle. This could also spare you from spending money by going out with your friends or officemates out of whim instead of planned get-togethers.
How To Do It:
List all the activities you do on this time after work (which may vary depending on your work schedule) aside from getting ready for bed and going to sleep. Do any of these activities help you grow a side business, make you learn new ideas or skills that may get you promoted at your job, or give you more information on building up your finances?
If it’s a yes to any of those income-growing possibilities, then you’re on the right track. If all your activities didn’t fit into any of them, it’s time to identify at least one activity that you enjoy on that free time that you can add to start achieving your goals at work or on your finances.
Insurance is a financial topic that isn’t top of mind when Filipinos talk about personal finance. While this may be an unnecessary cost for most of us, this actually helps us save more money when the need arises based on our coverage.
If you are the breadwinner of the family, it may be time for you to get life insurance. If you bought your car 5 years ago, maybe it’s time to re-visit if your car insurance policy still gives you the best coverage at a value-for-your-money price.
Having the right insurance can help you avoid spending a big amount of money in case of an accident or death of a loved one. Cliche as it may seem, prevention is always better than cure.
How To Do It:
Seek the help of a Registered Financial Planner (RFP) who can help you make informed decisions on which types of insurance you should get. Do not go into buying insurance and paying your contributions every month without talking to the experts and researching on the details so you don’t end up buying the policy that’s not suited to your actual needs.
Most of us love the idea of excess since this validates our financial capability and our satisfaction that we have something tangible that came from the money we worked for but in reality, we do not need 10 pairs of workout shoes or 20 pairs of heels so we can go on with our everyday lives.
How To Do It:
Why not try the Oprah Winfrey Closet Hanger Experiment? Hang all your clothes with the hangers in the reverse direction. After you wear an item, return it to the closet with the hanger facing the correct direction. After six months, you’ll have a clear picture of which clothes you can easily discard. You can also apply this to other clothing items such as shoes, accessories, bags, and more.
Through these financial resolutions and the determination to do them and follow through throughout the whole year, you should be able to reach higher financial heights by the end of the year and build great financial habits that you will own for the years to come.
Published by IMDB – August 19th, 2016
It’s a great time to be a superhero fan. With Marvel Cinematic Universe movies scheduled out until 2019 and WB ramping up with a string of Justice League and Suicide Squad character spin-offs, it’s hard to keep track of every origin story or hero team-up headed our way. Check out our list of upcoming superhero movies and start marking your calendars. — V. Wesley
- Doctor Strange opens Friday, Nov. 4, 2016“Sherlock” star Benedict Cumberbatch joins the MCU as Dr. Stephen Strange in this origin story that covers Strange’s transformation from crippled surgeon to Sorcerer Supreme. Confirmed cast includes Tilda Swinton as the Ancient One, Mads Mikkelsen as villain Kaecilius, and Chewetel Ejiofor as Baron Karl Mordo, Strange’s canonical arch-enemy. Benedict Wong confirmed at Comic-Con that his character Wong is getting a modern update and larger role as drill sergeant and master of the mystical arts.
Watch the Comic-con trailer
- Guardians of the Galaxy Vol. 2 opens Friday, May 5, 2017Guardians of the Galaxy 2 continues the adventures of the Guardians crew as they fight to keep their newfound family together as they unravel the mysteries of Peter Quill’s (Chris Pratt) true parentage. More details were revealed at Comic-Con including Yondu’s (Michael Rooker) alliance with the Guardians, the introduction of Star Lord’s father Ego (played by Kurt Russel), and Groot’s new turn as Baby Groot. Newcomers to the Guardians cast include Sylvester Stallone, Pom Klementieff, and Elizabeth Debicki.
- Wonder Woman opens Friday, June 2, 2017Wonder Woman breaks new ground next June as the first female-fronted, female-directed superhero movie. Set during WWI, Wonder Woman tells the origin story of Diana Prince and her transition from the island paradise of Themyscira to the world of men. Monster director Patty Jenkins leads the charge with Gal Godot as Diana Prince/Wonder Woman, Chris Pine as Captain Steve Trevor, Connie Nelson as Diana’s mother Queen Hippolyta and Lucy Davis as Wonder Woman’s best friend Etta Candy.
Watch the Comic-Con trailer.
- Spider-Man: Homecoming opens Friday, July 7, 2017Spider-Man: Homecoming marks the first entry of Spider-Man into the Marvel Cinematic Universe, and the third reboot of the Spider-Man franchise that began with Spider-Man (2002) and The Amazing Spider-Man (2012).Director Jon Watts (Clown, Cop Car) describes Homecoming as a “straight-up high school movie about a 15-year-old kid … the ground level of Marvel Universe.” Confirmed cast includes Tom Holland as Peter Parker/Spider-Man, Robert Downey Jr. as Tony Stark, Marisa Tomei as Aunt May, and Michael Keaton as Adrian Toomes/Vulture.
- Thor: Ragnarok opens Friday, Nov. 3, 2017Next November we’ll finally get to see what Thor (Chris Hemsworth) and Bruce Banner (Mark Ruffalo) were up to while the Avengers battled it out during Captain America: Civil War. (Hint: The Hulk finds his way to Asgard.) Comic-Con concept art hinted at possible “Planet Hulk” storyline elements with images of Hulk and Thor clashing in the arena. Reprising their roles are Tom Hiddleston as Loki, Idris Elba as Heimdall, Anthony Hopkins as Odin, and newcomers to the Thor franchise Karl Urban, Jeff Goldblum, and Cate Blanchett. Taika Waititi (Eagle vs Shark, What We Do in the Shadows) directs.
- Justice League opens Friday, Nov. 17, 2017Justice League tells the story of Bruce Wayne’s (Ben Affleck) initial formation of the league of heroes and gives more screen time to characters we glimpsed briefly in Batman v Superman: Dawn of Justice: The Flash (Ezra Miller), Aquaman (Jason Momoa), and Cyborg (Ray Fisher). Although not shown in the trailer, Henry Cavill’s return as Superman was confirmed during Comic-Con and in the shiny promo art above.
Watch the Comic-con trailer.
- Deadpool 2 opens Friday, Jan. 12, 2018In an interview with /FILM, producer Simon Kinberg revealed, “I think Deadpool 2 will comment on anything that’s happening in movies today especially in superhero movies. The sort of glut or saturation of these movies and the proliferation of sequels is definitely something we’ll play around with.” We’ll find out more, including who will be cast as Deadpool’s infrequent ally Cable, as we get closer to 2018.
- Black Panther opens Friday, Feb. 16, 2018Creed director Ryan Coogler brings Black Panther to the big screen in 2018. This will be Coogler’s third movie with Michael B. Jordan, who plays the antagonist (Erik Killmonger) to Chadwick Boseman‘s T’Challa/Black Panther. Joining the cast are Lupita Nyong’o as Nakia, and Danai Gurira as Okoye, the head of the Dora Milaje, personal bodyguards to the Wakandan King.
- The Flash opens Friday, March. 16, 2018Ezra Miller will have appeared as Barry Allen/The Flash in at least three DC movies before he gets his own standalone in 2018. Audiences won’t have to wait long to see Barry Allen’s story, as The Flash premieres only four months after Justice League. Director Rick Famuyiwa (Dope, The Wood) kicks off filming in January 2017. Confirmed cast includes Dope actress Kiersey Clemons as Allen’s love interest, Iris West.
- Avengers: Infinity War opens Friday, May 4, 2018Infinity War is the culmination of the Infinity Stone/Thanos storyline that has touched almost every Marvel movie since Thor. The Russo Brothers (Captain America: Winter Soldier, Captain America: Civil War) take over directing duties from Joss Whedon and are teaming up again with writing duo Markus and McFeely for Avengers: Infinity War and the subsequent Untitled Avengers Movie. The Russos have experience juggling large ensemble casts (see Civil War) and will be put to the test once again, incorporating casts from both Avengers and Guardians of the Galaxy. Unconfirmed cast includes Chris Pratt as Star Lord, Chris Hemsworth as Thor, and Josh Brolin as Thanos.
- Aquaman opens Friday, July 27, 2018Horror director James Wan, (Saw, The Conjuring) takes on his first superhero movie with Aquaman. During Comic-Con, Wan talked about bringing his horror sensibilities to the DC Universe, describing the movie as an “opportunity to explore this universe and bring a bit of my horror element to this, the deep sea, the scary world, and of course the wondrous world of Atlantis.”We’ll get a proper introduction to Jason Momoa’s Arthur Curry/Aquaman in Justice League in late 2017. Confirmed cast includes, William Dafoe as chief scientific adviser of Atlantis, Nuidis Vulko, and Amber Heard as Queen of Atlantis and Aquaman’s wife, Mera.
- Ant-Man and the Wasp opens Friday, July 6, 2018Paul Rudd, Evangeline Lily, and Michael Douglas reprise their roles as Scott Lang, Hope van Dyne, and Hank Pym in Ant Man and the Wasp. This will potentially be Paul Rudd’s fourth appearance in the MCU with Ant-Man (2015), Captain America: Civil War (2016), and (rumored) Avengers: Infinity War (2018). Peyton Reed returns as director, and more plot details will be revealed as we get closer to 2018.
- Captain Marvel opens Friday, March 8, 2019Brie Larson was announced as Carol Danvers/Captain Marvel, the newest member of the Marvel Cinematic Universe during Comic-Con, which makes Captain Marvel the first female-fronted superhero movie in the MCU. Writers Nicole Perlman (Thor, Guardians of the Galaxy) and Meg LeFauve (The Good Dinosaur, Inside Out) are confirmed as scriptwriters, with Elizabeth Wood (White Girl) confirmed as director. However, we’ll have to wait until 2019 to see Captain Marvel’s story unfold.
- Avengers: Infinity War 2 opens Friday, May 3, 2019Joe and Anthony Russo will direct the fourth Avengers film, which just underwent a name change from Avengers Infinity War: Part 2 to Untitled Avengers Movie. The third and fourth Avengers are being shot back-to-back and entirely in IMAX.
Published by iMoney Philippines | Rouselle Isla – August 19th, 2016
One of the great benefits of being a member of Pag-IBIG Fund is the housing loan. If you are not over 65 years old and have remitted 24 monthly contributions to Pag-IBIG Fund, you may avail of this housing loan. You should not have any outstanding housing or multi-purpose loans with Pag-IBIG, nor should you have a Pag-IBIG housing loan that had been cancelled, bought back, or foreclosed.
Even minimum wage earners can have the opportunity to buy their own home through the Affordable Housing Program. With the End-User Financing Program, members can borrow up to ₱6 million. The maximum repayment period for a Pag-IBIG Fund housing loan is 30 years. Know how to apply for one in just five steps.
1) Get The Relevant Forms
You can get the housing loan application form and the checklist of requirements by visiting your nearest Pag-IBIG Fund office, or by going online and visiting www.pagibigfund.gov.ph. Click on the link that says “Forms” and you can download them for free.
You need to accomplish a medical questionnaire and undergo a full medical examination if you are over 60 years old and an OFW, or if you are 60 years old and borrowing over ₱2 million up to ₱6 million.
If you are curious about rates, you can easily do a quick check by using our online calculator. This will give you an idea on the current BPI housing loan interest rate in comparison to other banks.
2) Submit Your Pag-IBIG Fund Housing Loan Application
After filling out the necessary forms and completing the requirements, you can submit your application. There is a non-refundable partial processing fee of ₱1,000 that you will need to pay upon submission of application.
If the property is located in NCR, you can head to the Pag-IBIG Fund offices in Shaw Boulevard, Kamias, or Imus. If it’s a provincial property, you can file the application at the nearest Pag-IBIG Fund office to the said property.
If you prefer to do it online, go to www.pagibigfund.gov.ph and click on E-Services. Note that it takes about 20 working days to process your housing loan. This includes property valuation and credit investigation already.
3) Receive Your Notice of Approval
If your housing loan application is approved, you will receive your Notice of Approval (NOA) or Letter of Guarantee (LOG). You can now sign your loan documents.
If your loan application is disapproved, it could be because of several reasons. When evaluating your loan application, Pag-IBIG Fund will also check your records, employment status, and your capacity to pay. They will evaluate the property and its appraised value. If you fail to meet any of these requirements, your loan application will get disapproved.
4) Complete Your NOA Requirements
You have 90 days to accomplish your NOA requirements. Note that there will be different requirements depending on the property you want to purchase. We suggest that you do it right away because some of the requirements take days, or even weeks to complete. Don’t do it at the last minute. The sooner you can submit complete and correct documents, the sooner your check will be released to you.
5) Receive Your Loan Proceeds
You can now collect your loan proceeds from Pag-IBIG Fund. Just present two valid IDs. You should also bring 12 postdated checks with you if payment for the loan is not through salary deduction. Once you have the check with you, just give it to the seller of the property as your payment.
If you’re looking for more information, you can check our guide on everything you need to know in getting a pag ibig housing loan.
Is your home by the station. Standing along EDSA, between GMA-Kamuning and Quezon Avenue stations of the MRT, Victoria Station takes pride in its convenient location. Perfect for couples starting their own families, each unit is designed with functionality and comes at a competitive price no other developers can offer. Like the other pioneering projects of NSJBI, Victoria Station boasts quality that meets the standards.
Victoria Sports Tower Station offers unit owners a complete living experience beyond just a place to stay. Once completed, Victoria Station will become the first condominium in the country with a sports complex. This haven for fitness includes a basketball court, tennis court, badminton court, bowling alley, billiards and darts hall, squash court, shooting range and dance studio. It will also have a wellness center, swimming pool, spa, clinics and a state-of-the-art mini theater
Victoria Sports Tower Station offers excellent facilities for leisure and amusement, such as:
- Swimming Pool
- Multi Purpose Hall
- Commercial Spaces
- Jogging Trail
- Play Ground
- Landscaped Area
- Audio Video Room
- Provision for Restaurant
For more project details, pricing or tripping concern pls feel free to contact us anytime:
Philippines Contact nos.: Sun (0925) 727-1504 | Sun (0925) 870-4807 | Smart (0998) 850-3714
Malaysia Contact nos.: Roaming (+63943) 224-9059 | +6016-9137987 | +6014-6608485
FB account: Ester Dionisio Mercado
Live like a celebrity at Victoria de Morato, which offers the glitz and glamor of celebrity living experience sans the premium price tag. Because even stars need their space, the units are designed to be spacious and allow ease of movement. The designs are world-class, because the best deserve the best.
Victoria de Morato is ideal for those who dream of the high life but are price smart about their purchases. In here, you are the star.
Victoria de Morato offers the state of the art amenities:
- Swimming Pool
- Function Room
- Coffee Shop
- 9 High-speed Elevators
- 4 Service Elevators
- Shops and Restaurants
- Grand lobby
For more project details, pricing or tripping concern pls feel free to contact us anytime:
Philippines Contact nos.: Sun (0925) 727-1504 | Sun (0925) 870-4807 | Smart (0998) 850-3714
Malaysia Contact nos.: Roaming (+63943) 224-9059 | +6016-9137987 | +6014-6608485
FB account: Ester Dionisio Mercado