Archive for the ‘Home sweet home’ Category

Is there really a safe place in this world?


2010
09.03

The botched Luneta hostage-taking incident was undoubtedly one of the worst tragedies that ever happened to this country. Filipinos in general were aghast and mad at what happened. Like Hong Kong’s top man, Mr. Tsang, and his citizens, we too also wanted a swift justice.

While issuing a travel ban (a.k.a. “Black Alert”) is HK’s call, it doesn’t mean that the Philippines is in the brink of collapse, that we’re a terrorist-infested territory. I just find it unacceptable that we share the ranks of Somalia and Iraq, we haven’t reach that mark yet. It is true that parts of Mindanao have been war-torn for decades, but most of these are results of clashing ideologies of people wanting change, of rebels with causes. And to date, we now have extremists infiltrating their ranks, government-sanctioned warlords (like the Ampatuans) and a police force that sorely lacks training. But these are issues all functioning governments in the world would like to address and resolve immediately. These are isolated cases that do not paralyze the lives of the rest of us in this sunny part of the world. We still can move freely – businesses in all forms likeForex training seminars, manang’s sari-sari store, and pirated dvd’s thrive, our babies grow, our students graduate, more families and friendships are formed and people can say whatever they want to say without getting shot, skinned or beheaded.

Let me end with this: Lightning could always strike anywhere – from Pentagon to the remotest parts of the world. Nothing in this world is really that secure. Airplanes crash. We get bombed. People die.

From east to south


2010
09.01

I could probably say that I have spent all my life living in the eastern part of Manila, the province of Rizal to be specific. My sibs and I grew up in the hilly countryside of Montalban then spent our adolescent years in one of the bustling towns of Pasig. I’ve always wondered what lurks on the other side of the mountains people call the Sierra Madre, which often times appear like a patch of green and violet from the distance. Every time there was a storm coming, Sierra Madre acted like a shield protecting an overpopulated Manila, only to find out later on that Aurora and Quezon provinces would bear the grunt of every passing storm.

None of us planned to move out of Rizal, until late last year when Typhoon Ondoy flooded almost all of Rizal and sent everyone to their rooftops. There was widespread devastation everywhere and no way we can relieve the nightmare. That was what prompted us to go and live in the south. For our own peace of mind.

This is going to be our first family-owned house in a decent neighborhood in Cavite. The best thing about it is we can have our own mini-garden where we can set up outdoor electric grill for small barbecue parties, plant camote tops, and put up a resting place where I can do computer work.

And what I badly need right now is a bike that I can use to reach the village gate. I hope someone would give me a car to address my commuting worries from home to office.

Avoiding ‘hunted’ houses


2010
07.31

Almost all my weekends this July have been spent on trippings to various villages selling houses and lots in Rizal. I’ve been to Binangonan twice, Angono then to Morong. These towns comprise the eastern part of the once pristine Laguna de Bay. Commuting from Ortigas to these places would take you roughly two hours, traffic jams included.

I haven’t bought a house. But I almost did when we spotted this particular place near SM Taytay. I went to the PAGIBIG office only to find that I was 5th in line. It wasn’t meant to be mine.

Now you ask me, what did I learn from these extensive real estate trips? Let me share my top 3.

1. Choose your developer well.

If you’re going the route of buying a brand new house and lot, you’d better do a background check on the developer. Study their portfolio. Ask around. Buyers are often times lured by budget packages only to discover later on that their wallets are about to be slashed some more. Houses were poorly built, facilities were not ready, and the property sits on a landslide prone area. I’ve checked several public forums that had became sounding boards for disgruntled homeowners. But high praises were given to Avida, DMCI, Filinvest and Megaworld.

Always remember that you are investing a fortune here, 100 times the price of an insurance for ipads. So spend your money wisely on properties that won’t be a headache later on. Ask for warranties.

2. Use your PAGIBIG

Minimum interest is currently at 6% per annum. Not bad. If you’re a member, why not use the benefit? All you need is to go to PAGIBIG office in Makati and attend a housing seminar before scouting for a property. They also sell foreclosed properties, but be careful if they are still being occupied by the previous owner. It won’t be easy. The responsibility of driving them out falls squarely on your shoulders. So better find an unoccupied territory.

3. To see is to believe

Go on a real estate field trip! Don’t believe what the photos tell you. They have been whitewashed. See the place for yourself and have a mental checklist of the following – basic utilities, accessibility, transportation, land safety, security, etc. Try visiting the place at night or when it’s rainy. There you’d see what the property looks like in real life. It can be tad ugly.

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