Arrg. It has been over 6 months since I last the husband - I have 5 more months to go. I have been wondering every night if
this was all worth it. By 'this' I mean our long distance set-up just to earn more. Let's face it, opportunities are rare here in the Philippines, much less in our case because we live in Cebu; a much more smaller City than Manila. However, the opportunity was there and we grabbed it to be able to save. If not, how else can we start building our dream house? I personally want something like this - since the lot we got sort of has a view.
Image from FreshHome
The Government has a lot of housing programs and although I am grateful for that I feel they are not doing enough to provide housing loans and services to the Filipinos. If you look around, you'll see poorly planned housing projects with budgets cut nearly half because of corruption and then there's squatters everywhere. So what does that tell you of our Country's state? That is where companies which offer
Mortgage Lending come in the picture. Not all are classified as an 'ideal lendee'; but one can always do proper research to be able to find a financial institution that can accommodate your needs. If you are not sure about your credit standing, you can just fill out a
mortgage application inquiry form and once this is completed an associate will then contact you. This is the very first step in financing or refinancing a property. The next idea is to decide the length of the loan and interest rate. You can either have a fixed rate or an adjustable rate of mortgage. You can always go through this with your associate and
compare between fixed and adjustable rate.
In my opinion, I would prefer to pay off in a shorter time to save up in higher interest rate. That is if you can afford that. If not, many mortgage companies offer pay period of 15-30 years. Just make sure before making a major decision like this, you do your own research.
My Optometrist's office recently burned down. When I heard the news I was so sad for her because she was also a friend. Whenever I go to her office, she'd patiently assist me until I find the perfect pair of glasses. Mine are not really graded, only tinted enough to protect my eyes from the glare of staring into computers all day. Thankfully, I still have 20-20 vision but I squint a lot due to over use and abuse. That's why when using the PC or Laptop, I would wear glasses. I don't know if my Doctor will set-up her office in the same place though, good thing, online I found affordable $ 8 Rx eyeglasses from Zenni Optical. Since hubby has my white framed glasses and left me with a black one; I plan to buy another one with a thin frame. I was pleasantly surprised to see Zenni Optical on TV!!! Kudos to them for quality and affordable products. A special High Five to Zenni Optical from a happy customer. It's perfect for parent's looking for eyeglasses for their children especially now that school's starting.
