THE CHARM INSIDE

What is your biggest dream in life? I suppose having your own house is one of those. Everyone wanted to have their dream house. Don’t worry it’s now possible and it made it easy to have it. Pag-IBIG housing loan is open for all employees who paid monthly contribution to Pag-IBIG Fund, whether it is Kasambahay, OFW, or local employees who works in government or private Companies. Pag-IBIG housing loan is not only for those who have a high salary, it was also applicable for those minimum wage earners who wanted to have their own house at a lower rate of interest and affordable monthly amortization.                                              ‘Not my photograph’ -Big thanks to the owner- Here are the steps to avail PAG-IBIG housing loan: 1.  Get a checklist of requirements. Housing Loan Application Vicinity Map of Property Additional requirements by Loan Purpose Proof of Income Updated Tax Declaration and Tax Receipt Valid ID ’s Certified True Copy of Title 2.  Submit the housing loan ap

I just wanted to share this, it’s not a very special moment in my life, instead, it’s a big challenge to me as a person. I’m a person that not that good at talking in public or in front of many people. I hate arguments, not because I don’t know how to explain myself but because I had this fear that there’s a lot of people hearing the argument. So instead of talking back, I just shut my mouth. But in the year 2016, my teacher in elementary asked me to be the guest speaker in their graduation since I graduated from that school and I'm one who graduated there with flying colors. A year before she already asked me but I decline, maybe they don’t have other choices aside from me, kidding aside I cannot decline again to her that’s why I accepted it, living with no choice. I wanted to share the speech I prepared for the graduation ceremony to inspire not only those students who heard it but other Filipino who will be going to read this. It’s written in Tagalog since they are elementary st