Sunday, October 18, 2026

Eto ang bayarin

Kung may 6 units na apartment at ₱6,000 ang buwanang renta bawat unit, ito ang posibleng bayarin sa BIR ngayong 2026.

1. Kabuuang kita sa apartment
Assuming lahat ng units ay occupied at walang delayed payment.
=6000*6=36000*12=432,000 in one year

2. Magkano ang BIR tax?
VAT at Percentage Tax: ₱0
Kung residential apartment ang lahat ng units at ₱6,000 lang bawat buwan, exempt ang renta sa 12% VAT at 3% Percentage Tax dahil hindi lalampas sa ₱15,000 ang renta bawat unit.
Income Tax: Depende sa registration.
Kung nakapangalan sa individual at kwalipikado sa 8% income tax option, at wala nang ibang income:
₱432,000 − ₱250,000 = ₱182,000
₱182,000 × 8% = ₱14,560 kada taon, o katumbas na humigit-kumulang ₱1,213 kada buwan.

Pero maaari ring mas mababa ang babayaran sa graduated income tax kung may allowable deductions.
Kung nakapangalan naman sa corporation, karaniwang 20% o 25% ng taxable net income ang corporate income tax, depende sa qualifications. Hindi ito direktang porsiyento ng buong ₱432,000.

10192026 mon hatid

Php10 pandesal

Site pogi - hinatid ot daw
Wfh ganda

Nagpunta Ti Soly.

Hatid pogi
Php39 toll fee
Php200 280 jolibee yumb, cknjoy, longanisa
Php39 toll fee

Php200 baboy
Php50 lotto
Php52 gulay
Php10 pandesal


Php1250 25kgs dinurado bigas renan
Php100 leche plan paid rheena

Punta sm bac ganda at mama.
Php500 pagupit

Php260 30pcs egg
Php110 korea luncheon meat

Php270 tori
Php84 bread

Inflation rate.

 ๐Ÿšจ 7.2% INFLATION FOR SEPTEMBER 2026


The Philippine Statistics Authority (PSA) just released the numbers, and the squeeze on every Juan’s pockets is real. From 6.1% in August, headline inflation has shot up to 7.2%, pushing the year-to-date average to 5.4%.


Hindi pa tapos ang taon pero mas mababa na ito sa YTD inflation rate last year na nasa 1.7% lang. hindi ito biro, halos 3x na!


Ano nga ba ang ibig sabihin nito sa atin, sa bawat Pilipino?

๐Ÿ“‰ Food inflation jumped to 6.8% (vegetables and crops are up by 10.7%!).

๐Ÿ“‰ Transport costs also spiked by 14.6% due to soaring fuel prices.

๐Ÿ“‰ Electricity, housing, and water costs climbed to 8.4%.


How are we supposed to keep up when the cost of living outpaces our hard-earned wages? 


Hindi ito problema ng employers, kung mahirap din sila magpatupad ng pagtaas ng sahod, o mahirap makabenta ng new projects, humanap ng investors, o new prospects. At hindi bad performance ang dahilan para sa ordinaryong manggagawa kung bakit mahirap mag-cope up, o marahil, mukhang may problema sa pag-manage ng budget.


Hindi. 


Kung dati, sapat ang 20K/mo na sahod, ngayon kukulangin ka ng 1.4K kada buwan. 

Kahit pa 100K/mo na sahod, 7K na ang maaaring bumawas dahil sa inflation bagamat parehas ang lifestyle mo. 

Kung may business ka at may sampung katao, at nakakaraos sa araw-araw, ngayon ay hindi na. Either, nanganganib ang isang empleyado na matanggal or you’ll compromise the quality/quantity ng products served para umayon lang. 

(Wala pa ang mga emergencies, hospitalization, education costs, at marami pang commodities…)


When basic survival becomes a luxury, urgent and concrete accountability is needed.


Kaninong accountability? Nasa wrong planning & implementation ba ng government? O dahil nasa sistema na ang pangungurakot, at hindi pagtigil ng mga tiwaling opisyal. 


Hindi ito ang Pilipinong nakilala sa mundo.


Hindi ito deserved ng bawat Pinoy. 


Nakakahiya man pero hindi ko tuloy maiwasang maikumpara sa ibang bansa — habang ako ngayo’y nasa Malaysia. Ang baba ng presyo ng fuel, toll fee, pagkain. Ang bilis ng internet, maayos ang transportation, ang mga tourists bultuhang dumadagsa at nagtitiwala. 


Hindi ko maiwaglit sa isipan na mas tiyak magagaling talaga ang Pilipino kumpara sa ibang nationalities. In fact, sa kakatapos lang na awarding ng ACES Awards, na nag-uwi ng Triple Award ang POWER 4 ALL, at maraming mga bansa pa ang humanga sa tulad nating Pinoy! Oo, tayo ang hakot award sa buong Asia noong dalawang gabing iyon. Pero tayo din ang nangunguna sa pagbasak — Top 1 sa inflation rate sa buong Asya.


๐Ÿ’ฌ Paano na kayo magbudget? Paano na ang bawat Pilipino bukas at sa padausdos na pagbagsak ng ekonomiya sa Pilipinas. Paano tayo umabot sa ganito?


Let’s talk about how this is affecting your household. ๐Ÿ‘‡


Pray. 


#InflationPH #PhilippineEconomy #CostOfLiving #WakeUpCall #BuhayPilipino #inflation #Pinoy #Philipines #Filipino #employer #employee #HR


Photo Courtesy of Nino C. and I’m open to know the accurateness of the image. Comments?




Ang unfair? Saan napupunta ang tax namin.

ANG UNFAIR NO? LAHAT MAY TAX PERO HINDI NATIN MARAMDAMAN MGA BINABAYAD NATIN

Real talk tol, ito yung pinaka-unfair na nararamdaman ng bawat Pilipino ngayon.

LAHAT MAY TAX.

Sahod mo - may tax bago mo pa mahawakan.
Bibili ka ng bigas - may tax.
Bibili ka ng ulam - may tax.
Maglo-load ka - may tax.
Magpa-gas ka - may tax.
Magbayad ka ng kuryente - may tax.
Magbayad ka ng tubig - may tax.
Kakain ka sa labas - may tax.

Kahit patay ka na, may tax pa rin yung kabaong mo.

Lahat ng galaw mo sa Pinas may tax.

Kahit mahirap ka, nagbabayad ka ng tax.
Kahit walang trabaho nanay mo pag bumili siya ng asin, may tax.
Kahit estudyante ka pag bumili ka ng notebook, may tax.

Walang ligtas sa tax.

PERO ANG TANONG - SAAN NAPUNTA? HINDI NATIN MARAMDAMAN.

Lahat tayo nagbabayad, pero pag kailangan mo na, wala.

Nagbayad ka ng tax para sa kalsada - pero lubak-lubak pa rin kalsada mo, ikaw pa magpapagawa ng gulong ng motor mo.

Nagbayad ka ng tax para sa ospital - pero pag nagkasakit ka, pipila ka 6 oras, tapos sasabihin sayo wala palang gamot, bumili ka sa labas.

Nagbayad ka ng tax para sa eskwela - pero anak mo 50 sa isang classroom, walang libro, walang electric fan.

Nagbayad ka ng tax para sa flood control - pero pag umulan ng 1 oras, baha na hanggang tuhod bahay mo.

Nagbayad ka ng tax para sa maayos na buhay - pero hanggang ngayon kapos ka pa rin.

Lahat tayo nagbabayad, pero hindi natin maramdaman.

Parang nagbayad ka sa restaurant pero hindi dumating pagkain mo. Pero singil pa rin.

Unfair diba?

MAS UNFAIR PA - TAYO NAGBABAYAD, SILA NAGPAPASARAP.

Tayo nagbabayad ng tax araw-araw sa bawat bili natin ng bigas.

Sila, isang pirma lang, milyon na agad sa bulsa nila galing sa tax natin.

Tayo nagtitiis sa baha, sa lubak, sa pila sa ospital.

Sila naka-aircon, naka-kotse, naka-private hospital.

Tayo nagbabayad ng utang ng gobyerno na hindi natin alam saan napunta.

Sila nagmana ng yaman galing sa utang na tayo magbabayad hanggang apo natin.

Tayo nagbabayad ng kapalpakan nila.

KAYA ANONG GAGAWIN NATIN KUNG UNFAIR?

Dalawa lang yan tol.

Una, magreklamo ka habang buhay na unfair. Pero magbabayad ka pa rin ng tax bukas, sa isang linggo, sa isang taon. At hindi mo pa rin mararamdaman.

Pangalawa, gamitin mo talino mo.

Bayaran mo kung ano kailangan bayaran. Pero yung sobra mong sipag, wag mo na ibigay lahat sa sistema na hindi mo ramdam.

Ipon mo para sa sarili mo.
Aral ka para sa sarili mo.
Plano mo pag-alis mo para sa sarili mo.

Kasi hindi mo mapipigilan na lahat may tax.

Pero mapipigilan mo na habang buhay ka magbayad sa sistema na hindi mo ramdam.

Darating yung araw, yung tax na binabayaran mo, ramdam mo na balik sayo - maayos na ospital, maayos na kalsada, maayos na eskwela.

Hindi dito sa Pinas ngayon. Pero posible yan sa ibang bansa na pinapangarap mo.

At pag nandun ka na, dun mo unang beses masasabi - "ah, ganito pala pakiramdam pag yung binabayad mong tax, bumabalik pala sayo."

Worth it na.

At dun mo maiintindihan - hindi unfair ang tax. Unfair lang yung sistema na pinagbabayaran mo ng tax na hindi mo ramdam.

Kaya habang nandito ka pa, tiis lang.

Pero wag kang tumigil mangarap na balang araw, yung tax na binabayaran mo, ikaw na mismo makikinabang.

Deserve mo maramdaman binabayad mo tol. Hindi lang sila.

#hosonpoint #hustleoverslavery

Saturday, October 17, 2026

Bill deposit paliwanag.

UPDATE SA ₱19,965 MERALCO BILL KO! ⚡๐Ÿ˜ค

kahit ₱10,330 lang ang actual electricity consumption ko? Well, here’s what happened. And I hope this serves as awareness sa ibang consumers.

Apparently, yung ₱9,634.91 na “OTHER CHARGES” ay BILL DEPOSIT na sinisingil ulit ni Meralco.

Last May 2026, Meralco automatically credited ₱4,593.50 sa bill namin because of our good payment history. HINDI KO HININGI ANG REFUND NA YUN.

Then October came, biglang halos ₱10K ang additional deposit dahil allegedly LATE DAW AKO MAGBAYAD.


So I investigated.


According to Meralco, late raw ang March, July, August, and September payments ko.


BUT I KEPT MY RECEIPTS! ๐Ÿงพ


✅ March – Paid March 19, due March 21

✅ July – Paid July 18, due July 22

✅ August – Paid August 17, due August 19

✅ September – Paid September 16, due September 23


ALL payments were successfully processed by PSBank BEFORE their due dates!

When I showed Meralco my bank receipts, their representative suggested na baka dahil sa BANK POSTING DELAYS.

So here’s my question: Kung nagbayad ako before the due date through a bank payment channel (na accredited naman din nila kaya nga we can pay bill using our bank app, bakit ako mako-consider na late dahil sa processing or posting delay na wala na sa control ko? Trabaho ko magbayad on time which reflects in my actual payment receipts 


I understand na may regulations regarding bill deposits. But shouldn’t consumers be entitled to a proper explanation and verification before being required to pay nearly DOUBLE their normal bill?


HINDI PO ITO TUNGKOL SA PAG-IWAS SA RESPONSIBILIDAD NA MAGBAYAD.


In fact, I already paid my regular October electricity charges BEFORE the due date, and Meralco confirmed that my payment was posted.


Ang kino-contest ko ay yung additional ₱9,634.91 na deposit.

I filed a formal complaint with Meralco, submitted my bank receipts and billing statements, and requested a proper investigation. I have also sought Energy Regulatory Commission intervention.

As of now, UNDER INVESTIGATION pa ang complaint ko. Wala pang final decision kung ika-cancel nila ang deposit.


I’m sharing this because I want other consumers to know: HUWAG BASTA BAYAD NANG BAYAD KAPAG MAY CHARGES NA HINDI MALINAW.

Check your bill. Keep your receipts. Compare your transaction date versus posting date. Ask for a detailed explanation. And if something doesn’t add up, exercise your right to question and dispute it.

Hindi porke nasa bill, bawal nang kuwestiyunin.

We work hard for our money. We deserve accurate billing, transparency, and fair treatment.


I’ll update everyone once Meralco responds to the formal investigation.

#MeralcoBill #ConsumerAwareness #KnowYourRights #BillDeposit #ERC





10182026 sun

Php10 pandesal
Php40 goto
Php40 palabok
Php15 lumpia

Nagsamapay ng nilabhan.

Punta gym pogi at ganda.
Php25+28+28+30 pamasahe.

Punta sm with pogi
Php25+28 pamasahe

Directors club1
Php570-114=456 sine street fighter.
Php570-114=456 sine street fighter.
Screening time 2:30pm.
12:23 dito sa taas. Nagtanong sa silicon valley.

Php585-167=418 pepper lunch.
Php179 pioneer elastoseal pisil
Php99 wipes 30 sheets
Php93 pearl mt chattime
Php102 mega fries
Php240 macao mt
Php50 abuloy
Php28 pamasahe
Php30 tricycle



Vico and Matro

VICO SOTTO AND SM MATRO: WHY SOME MAYORS CAN SERVE, AND OTHERS CAN'T

If you put Mayor Vico Sotto of Pasig and Mayor SM Matro of Tanza side by side, they look different — one is a national figure, one is a first-term mayor who just started in July 2025. But their formula for service is exactly the same.

And that's why they work.

THEY STARTED BY CLEANING THE MONEY.

Vico's first fight was not roads, it was corruption. Pasig was P700M in debt. He opened bidding live on Facebook, stopped SOPs, and now Pasig has P13B+ savings.

Matro did the same in Tanza. In his first 5 months, he found a P250M budget deficit and discovered market stall collections were missing millions. His solution was not to borrow — he made delinquent big businesses pay their taxes and fixed collections.

Most mayors fail because they start with projects for photo-ops. Vico and Matro started with the cash register.

THEY BRING HOSPITAL TO PEOPLE, NOT PEOPLE TO HOSPITAL.

Vico: Universal health, fully stocked medicines, no need for referral slips from councilors.

Matro: Made Tanza Public Hospital the first in Cavite with zero-balance billing, cashierless — for ALL Tanza residents. Plus 10 Botika ng Bayan on Wheels to 41 barangays, and motorcycles delivering maintenance medicine to seniors at home.

Other mayors build a big hospital building. These two built a SYSTEM that reaches the house.

THEY DON'T TREAT PEOPLE AS VOTERS EVERY 3 YEARS, BUT AS BOSSES EVERY DAY.

Vico is known for direct reporting, 3-hour live explanations of the budget.

Matro does direct communication, e-jeeps for free rides during flag ceremony, and negotiating bypass roads with private developers instead of waiting for national budget.

Old-style mayors serve during campaign. These two serve during collection, budget, and audit season — the boring parts where corruption lives.

WHY OTHERS CANNOT?

Because the old model is profitable. Why fix tax collection if you can get kickbacks from projects? Why make hospital free if you can make people beg for medical assistance from your office and remember your name on election day?

Vico and Matro removed the middleman — the mayor as a benefactor. They made service a RIGHT, not a favor.

WHAT IF ALL MAYORS IN THE PHILIPPINES WERE LIKE THEM?

If every mayor in the Philippines thought like Vico and Matro, we would not need to argue about traffic in Pinagbuhatan or blocked roads in Tanza.

No municipality would have ghost projects.
No patient would die because of "no pambayad."
The national budget would not need to be the milking cow — because cities can earn their own money honestly.

Pasig and Tanza prove it: It's not about city vs municipality. Tanza is even larger than Pasig in land area, Pasig was in debt and Tanza was in deficit. It's not about size, it's about WILL.

We don't need superheroes as mayors. We just need mayors who know that public money is not theirs, and public service is not a favor.

If the rest of the country had 100 more Vicos and Matros, the Philippines wouldn't be talking about corruption — we'd be talking about which city is more livable.
#Seamansvlogger #GoodGovernance #tanzapasig



PF Espiritu Batch

Class
60 71 Ronnie Torrijos, Bebot Santiago
61 72  Cristina almeda
62 73 Veronica Torrijos, Carmela Manalaysay, Hermie Felizardo
63 74 J Arbas, Erlyn convento, Bienvenido Nario
64 75 Arnel Espiritu, Joey san miguel, nestor torrijos, leni lontoc, daisy alano, marietta sayaman, ruel reyes.
     76 Divina Almeda, Bhoy Kalinisan, Daisy Alano, Alfredo Reyes Jr, Estela Mateo, Ronie Espiritu+, Charlie De Leon
65 77 Eliseo Reyes, Joey Arbas, Nelson Torrijos, 
66 78 Hermie Medina, Awie Espiritu, Susan De Jesus, Leni Mateo, Roger Pasubigan+, Randy Gabrinao, Adora Lucido, Joseph Trinidad, Nelson Espiritu: smi class 82
67 79 - Rommel Reyes Ed Mateo Domeng Eusebio, Jomar Lucido, Thelma Ramos, Ed Paraiso: smi class 83
68 80 - Anna May Trinidad, Marissa Espiritu, Tess Eustacio,  Ayrin Paraiso
81 - Gary Reyes, Billy Felizardo, Danilo Ocampo, Edwin Ocampo, Gaudier, Ely Secretaryo, Randy de Leon.
82 - Janet Mateo, Angie Lucido,  Ali Aquino, Mike Espiritu, Alex Alano, Marifi Salazar, Francisca, Armida Paraiso : smi class 86.

Friday, October 16, 2026

10172026 sat

Happy bday Auntie Nenie.

Php10 pandesal
Php10 bonete

Php40 goto
Php40 palabok
Php40 malabon

Off pogi at ganda

Almusal:
Half palabok
3 pcs bonete

Php20 taho
Php75 noodles ganda

Punta sm dalawa.
Php100 pogi

Php12+14+14+30 pamasahe gym

Bakit nagkaka goiter?

Bakit nga ba nagkaka-goiter? 

Ang goiter ay paglaki ng thyroid gland sa harap ng leeg. Iba-iba ang posibleng dahilan:

๐Ÿ”น Kulang sa iodine—kailangan ito para makagawa ng thyroid hormones.
๐Ÿ”น Hashimoto’s o Graves’ disease—mga kondisyon kung saan naaapektuhan ng immune system ang thyroid.
๐Ÿ”น Thyroid nodules—isa o maraming bukol na maaaring magpalaki ng gland.
๐Ÿ”น Thyroiditis—pamamaga ng thyroid.

Puwedeng may goiter kahit normal ang thyroid hormones! Kaya hindi pare-pareho ang sanhi at pangangailangan ng bawat tao. 

As a Natural Wellness Consultant, I guide healthy food choices at daily routines para suportahan ang overall wellness.

Follow my page for Daily Thyroid Tips para mas maintindihan mo ang iyong thyroid.
PM me so that I can personalize and help you.

FOR EDUCATIONAL PURPOSES ONLY. This is not medical advice.

#Goiter #ThyroidAwareness #ThyroidNodules #DailyThyroidTips #fyp

Meralco bill deposit.

 According to Archer Laurel Miranda He used to work DAW sa Meralco and here's his EXPLANATION I think there’s a huge misunderstanding here. I used to work in MERALCO.
for the context:
1. ang bill deposit ay binabayaran natin one time during contract signing, kung kelan ka nag apply para magkaroon ng sariling metro.
2. Ano ang basis ng computation para sa siningil na bill deposit? ang load schedule mo or list of existing appliances during nung time na nag apply ka. so kung minimum lang appliances mo, minimum rate is 1,800. pero kung may aircon ka etc iba ang computation non.
3. ano ang purpose ng deposit? wala itong kinaibahan sa pagrerent ng apartment. db pag nagrerent tayo may 1 month advance or deposit. kung ano man damage or utang na maiwan ibabawas don. sa case ng meralco, oras na materminate ang service mo or mabatak ang meter mo at may naiwan kang utang ibabawas nila sa bill deposit mo yon para kung ano matira yun nlng dapat bayaran.
4. kung nagbayad na kami noon, bakit pa kmi magbabayad ngayon? kasi kung mgkno lang ang bnayad mong deposit considering na ito ay ni-compute based sa existing mong appliance dapat ganun lang din ang average mong konsumo. example: ang binayad mong deposit during nung time na nag apply ka ay 1,800, dapat nasa around 1,800 lang din ang monthly bill mo. sa madaling salita. kung magkano ang deposit mo ganun lang din dapat ang konsumo mo. sa loob ng isang taon mula nung nagbayad ka ng deposit ichecheck ng MERALCO kung talaga bang tugma ang bnayaran mo based sa totoong konsumo mo. oras na tumaas ka or example ang naging average consumption mo ay 3000 pero ang binayaran mo lang na deposit ay 1,800 ung difference na 1,200 ay sisingilin sayo bilang karagdagan dahil dapat pantay ang deposit at konsumo.
5. paano naman kung mas mababa ang average na konsumo nmin ng isang taon kumpara sa dineposito nmin? example ang deposit mo ay 1,800 at ang average cons. mo lang ay 1000 ano mangyayare sa 800? automatic ileless or irerefund ito sayo after 1 year.
6. SUMATOTAL, maintained dapat ang konsumo. pag tumaas ka after 1 year sisingilin ka ng dagdag deposit pag nmn bumaba ka ibabalik sayo as refund. taon taon itong chinecheck kaya taon taon ka maaaring magkaroon ng dagdag o bawas.
7. paano maiiwasan ang dagdag or refund? para di ka maguluhan? i-maintain mo ang konsumo mo. kung 1,800 lang dineposit mo nasa 1,800 lang din dapat ang bill mo kada bwan.
8. May paraan ba para marefund ko ng buo ang deposit ko kahit na active ang account ko? Meron, dapat in 3 consecutive years ay wala kang late payment. pero oras na di mo ito ma maintain, sisingilan ka ulit.
9. bakit laging may other charges/bill deposit sa bill? kasi installment itong sinisingil for 12 months, pwede mo itong bayaran ng buo kung gusto mong mawala na sya sa bill mo.
10. bakit ba kailangan may deposit? kahit na highly regulated na kompanya ang meralco negosyo parin ito. katulad ng naunang nabanggit na example, sa pagpaparent ng apartment, kung may maiwan silang utang at materminate ang service, dito kukuhanin ang pambayad.
at para makaiwas dito or para mag result sa kabuuang refund kailangan mo rin i-establish ang credit standing mo ng 3 years. kaya payag ang MERALCO na i-refund ito ng buo for as long as wala kang delayed payment in 3 years.
*it’s either hindi naipaliwanag sainyo ito ng maayos or hindi ninyo naunawaan nung pinaliwanag.
Hope this helps. Take care po.

Thursday, October 15, 2026

LAptop ayaw magboot 10162026

 Corrective action:
1. Binuksan ang laptop, nilinis sa alikabok at 2x nilinis ang ram.
2. ON the laptop click F2 para pumasok sa APtio setup utility code 0216 enter.
3. On of lahat.
4. Sa Boot - Boot mode select - from UEFI to LEGACY.
5. The goto save and exit.
6. Ayun nagboot din





















10162026 fri nag loko laptop ayaw magboot.

Nakadumi

Php12 pandesal

site pogi 
wfh ganda

Php12+35 pamasahe
Php50 pogi

Php35 mineral water

Punta BPI ganda. Papalit ng ATM expired NOv2026
Php60 pamasahe

Punta patay Ka Roger
Php500 ambag sa patay
Php40 1/2k african feed.


Wednesday, October 14, 2026

10152026 thu pa lab test choles

Php12 pandesal

Wfh ganda
Site pogi

Php14+12+35 pamasahe

Punta hprecision mama for lab test
Php1k give mama pa lab
Php925 lab test hp
Bd:
Php590 lipid
Php160 sgpt
Php160 sgot
Php15 tech fee

Php12+14 pamasahe
Lakad pauwi
Php25 sopas

Php100 lansones

Php50 bagal kwek kwek

Php30 pamasahe

Php26+28+28+30 pamasahe gym

Naconfine si nanay. Inuubo

Sss pension

29,500+ po pension nyo, 248,358/60= 4,139/15%= 300+ (27,595 msc X 20%) + (msc X 2%)X (38-10=28yrs) +1000+10%+10%+10% = 29,648 total pension po,,,

Tara na sa ibang bansa

 IBANG BANSA VS. PILIPINAS: DITO MO MAKIKITA KUNG GAANO KA NALOKO
Sa ibang bansa, 18 years old ka pa lang, tinuturuan ka na paano kumita, paano mag-invest, paano magnegosyo.
Sa Pinas, 18 years old ka, tinuturuan ka paano pumila sa job fair at makiusap na "Sir baka may bakante po."
Sa ibang bansa, pag nagsipag ka, may ipon ka.
Sa Pinas, pag nagsipag ka, may TAX ka.
Sa ibang bansa, yung minimum wage nila, nakakabili ng bahay at kotse.
Sa Pinas, yung minimum wage mo, kulang pa pang-down sa motor na hulugan.
Sa ibang bansa, pag sinabi mong freelancer ka, may respeto.
Sa Pinas, pag sinabi mong freelancer ka, tatanungin ka "Wala ka bang matinong trabaho?"
Sa ibang bansa, pinapayaman nila yung masisipag.
Sa Pinas, binibigyan ng ayuda yung tamad, tapos kakaltasan yung masipag.
Kaya wag ka magtaka kung bakit maraming Pilipino ang gustong umalis.
Hindi dahil hindi nila mahal ang Pinas.
Kundi dahil sa Pinas, kahit anong sipag mo, parang wala pa rin.
Kung relate ka, Ano pa naiisip mo, pinag kaiba ng pinas sa ibang bansa?

Tuesday, October 13, 2026

Rey Pagtakhan.

In 1988, a children's lung doctor in Winnipeg won a seat in Canada's House of Commons. Rey Pagtakhan became the first Filipino-born Canadian elected to Parliament.

To see how he got there, you have to start in Bacoor, Cavite. His father drove a jeepney.

THE JEEPNEY DRIVER'S SON

Rey was born in Manila in 1935 and grew up in Bacoor, one of eleven children. His father drove a jeepney and became a self-taught accountant, and the family also ran a bakery.

He finished elementary school as valedictorian, then studied medicine at the University of the Philippines. In 1963 he went to St. Louis for pediatric training at Washington University Medical Center.

THE VISA THAT WAS RUNNING OUT

Rey was in the United States on an exchange-visitor visa, and by 1968 it was about to expire. He chose Canada instead.

He and his family reached Manitoba on a cold January morning that year, and he went to work at the Children's Hospital in Winnipeg. I keep coming back to how practical that first step was. A visa was running out, and a hospital in Winnipeg had work for a children's doctor.

THE DOCTOR WHO GOT INVOLVED

From 1971 to 1988, Rey was a lung specialist for children at the hospital. He also taught at the University of Manitoba, and he became a full professor there in 1985.

Outside the hospital, he was getting involved in the city. After a dispute over racial discrimination involving the police, Mayor Bill Norrie invited him to join the Winnipeg Police Commission, where he served until 1986.

THE QUESTION AT HOME

Rey joined the Liberal Party in 1985, and in 1986 he was elected a school trustee in St. Vital. Then he decided to run for Parliament.

Rey and his wife, Gloria, raised four sons. He later recalled that his eldest son, Reis, who was 17 at the time, asked why he would leave a high-paying job for a low-paying one. Rey agreed it would be a fair question for an ordinary job, but said politics, like medicine, is a noble calling.

SIXTEEN YEARS IN OTTAWA

In 1988 he ran in Winnipeg North and beat long-serving New Democrat David Orlikow. He won again in 1997 and 2000, after the district was renamed Winnipeg North-St. Paul.

In 2001 he became Secretary of State for Asia-Pacific. In 2002 he became Minister of Veterans Affairs, and in December 2003 he took over Western Economic Diversification, the federal department that worked on the economy of Western Canada.

He lost his seat in June 2004, after almost sixteen years in the House of Commons.

AFTER OTTAWA

In 2017 Rey was invested into the Order of Manitoba for his contributions to medicine and to public and community service. In 2018 the Canadian Race Relations Foundation honoured him as an anti-racism champion.

In June 2022, dozens of people gathered at a park on Beliveau Road in St. Vital to see it officially renamed Dr. Rey Pagtakhan Park. The ceremony had been delayed for three years by bad weather and COVID-19 restrictions.

His nephew, former Winnipeg councillor Mike Pagtakhan, said the park was chosen because it means a lot to the family: Rey had served as a school trustee in St. Vital and lived close to St. Vital Park. Rey, then 87, told the crowd he felt honoured and humbled, and that the Filipino-Canadian community has come of age.

The jeepney driver's son from Bacoor now has his name on a sign in Winnipeg.

Source: Canadian Encyclopedia; Manitoba Historical Society; House of Commons of Canada; CBC News, 2022; Hansard, 2018; Canadian Filipino Net →



HINDI MO PALA PAG MAMAY ARI ANG BAHAY MO. Long term tenant ka lang.

HINDI MO PALA PAG MAMAY ARI ANG BAHAY MO: BAKIT HABANG BUHAY KANG NAGRE-RENTA SA GOBYERNO?
Never ko talagang maiintindihan kung bakit kailangang magbayad ng amilyar ang mga may-ari ng privately owned residential properties.
Yung pinambili mo ng property, galing sa sweldong binawasan na ng withholding tax.
Tapos, noong binili mo ang bahay at lupa, may documentary stamp tax, transfer tax, registration fees, at VAT pa.
Kapag nabili mo na, taon-taon ka pa ring magbabayad ng amilyar.
Tapos, kapag ipapamana mo na, may estate tax pa ulit.
Ang masaklap, kapag hindi ka nakabayad ng amilyar, puwedeng mauwi sa pagkakaremata ng property mo.
Parang walang katapusan ang pagbubuwis sa isang property na pinaghirapan mong bilhin.
Hanggang kailan ka magbabayad para sa sarili mong bahay at lupa?
Real talk lang:
Hindi ka talaga owner. Long-term tenant ka lang.
Sa Pinas, ang tunay na may-ari ng lupa ay gobyerno. Ikaw, nagbabayad ka lang ng renta na tinawag nilang amilyar.
Sa ibang bansa, kita mo kapalit: maganda kalsada, maayos na eskwelahan, mabilis na serbisyo.
Dito? Lubak pa rin, baha pa rin, pero ikaw may penalty pag late ka magbayad.
Isang bahay, apat na beses binubuwisan.
At sa dulo, pag namatay ka, anak mo naman ang sisingilin para lang tumira sa bahay na dugo at pawis mo ang puhunan.
Hindi ka homeowner.
Nag-iipon ka lang para may maremata sila.



10142026 wed no maynilad 10132026 6pm to 10142026 12pm.

no maynilad from 10132026 6pm to 10142026 2pm.
Php12 pandesal

office ganda
site pogi

Php14+12+35 pamasahe

Php571 alfa mart
Php80 dinuguan jing

Php26+28 pamasahe punta sm

Punta sa sm. Pakuha sana ng dugo. Eh yung family doctor not maxicare accredited.

Php350 +50 pedicure + tip
Php279 jolibee lunch
Php4924 grocery.

Php150 grab
2:00 pm naka uwi.

Richard ginawa yung bintana sa cr ni miggy.

Php30 panasahe
Php165 milk tea.

Sss pension compute

๐Ÿ‡ต๐Ÿ‡ญ SSS PENSION — PAANO KINUKUWENTA ANG BUWANANG PENSYON? ๐Ÿ’ฐ

Alam mo ba na hindi pare-pareho ang natatanggap na SSS retirement pension ng bawat miyembro?

Nakadepende ito sa iyong contribution history, Average Monthly Salary Credit (AMSC), at Credited Years of Service (CYS).

๐Ÿ“Œ SINO ANG QUALIFIED SA MONTHLY RETIREMENT PENSION?

✅ May hindi bababa sa 120 monthly contributions bago ang semester ng retirement.

✅ Umabot sa retirement age at nakatugon sa iba pang requirements ng SSS.

๐Ÿ‘ด Karaniwang maaaring magretiro sa edad na 60 kung kwalipikado at hindi na nagtatrabaho o self-employed.

๐Ÿ‘ด Sa edad na 65, maaaring mag-claim ng retirement benefit alinsunod sa SSS rules.

๐Ÿ“Š PAANO KINUKUWENTA ANG SSS PENSION?

May tatlong paraan ng pagkukuwenta. Ang pinakamataas na resulta ang magiging base monthly pension.

1️⃣ FORMULA 1

₱300 + (20% × AMSC) + [2% × AMSC × (CYS − 10)]

2️⃣ FORMULA 2

40% × AMSC

3️⃣ FORMULA 3

Minimum pension:

๐Ÿ’ฐ ₱1,200 — Kung may hindi bababa sa 10 credited years of service.

๐Ÿ’ฐ ₱2,400 — Kung may hindi bababa sa 20 credited years of service.

๐Ÿงฎ HALIMBAWA NG PAGKUKUWENTA:

AMSC: ₱10,000
CYS: 20 taon

FORMULA 1:

₱300 + (20% × ₱10,000) + [2% × ₱10,000 × (20 − 10)]

₱300 + ₱2,000 + ₱2,000

✅ RESULTA: ₱4,300

FORMULA 2:

40% × ₱10,000

✅ RESULTA: ₱4,000

FORMULA 3:

Minimum pension para sa 20 CYS

✅ RESULTA: ₱2,400

๐Ÿ† PINAKAMATAAS NA RESULTA:

๐Ÿ’ฐ ₱4,300 BASE MONTHLY PENSION

๐Ÿ“Œ Tandaan: Halimbawa lamang ito. Hindi pa kasama ang mga naaangkop na dagdag na benepisyo o pension increases.

๐ŸŽ MAY DAGDAG PA BA SA PENSION?

✅ ₱1,000 additional monthly benefit para sa mga kwalipikadong pensioners, alinsunod sa SSS rules.

✅ 13th month pension tuwing Disyembre para sa mga kwalipikadong pensioners.

✅ Maaaring may karagdagang pension increase sa ilalim ng SSS Pension Reform Program, depende sa eligibility at iskedyul ng implementasyon.

❓ PAANO KUNG KULANG SA 120 CONTRIBUTIONS?

Kung hindi umabot sa 120 monthly contributions, hindi ka pa kwalipikado sa regular monthly retirement pension.

Maaaring may opsiyon kang magpatuloy sa paghuhulog upang makumpleto ang kinakailangang kontribusyon, o tumanggap ng lump-sum benefit alinsunod sa SSS rules.

๐Ÿ“ฑ PAANO MALALAMAN ANG IYONG POSIBLENG PENSION?

1️⃣ Pumunta sa official SSS website.

2️⃣ Mag-log in sa My.SSS account.

3️⃣ Tingnan ang iyong contribution history.

4️⃣ Hanapin ang available na retirement benefit information o pension estimate.

5️⃣ Kung kailangan ng personal na computation, mag-inquire sa pinakamalapit na SSS branch.

๐ŸŒ OFFICIAL SSS WEBSITE:
https://www.sss.gov.ph

⚠️ MAHALAGANG PAALALA:

Ang halimbawang ₱4,300 ay base pension lamang at hindi garantisadong aktuwal na matatanggap ng bawat miyembro.

Ang pinal na halaga ay nakadepende sa opisyal na SSS records, naaangkop na batas, at kasalukuyang patakaran.

๐Ÿ’ฌ TANONG SA LAHAT!

Ilang taon ka nang naghuhulog sa SSS?

At magkano ang inaasahan mong buwanang pension pagdating ng retirement?

#PoliticsPH #SSSPension #SSSRetirement #SSSBenefits #RetirementPension #SSSContribution #PensionComputation #Pilipinas



Monday, October 12, 2026

One step at a time.

My Random Thoughts ๐Ÿค 

Every minute of downtime matters. Every breakdown needs a solution. We push for better Availability, Performance, and Quality, celebrate improvements, and get frustrated when targets remain unmet.

Sometimes, when the shift ends, you can't help but ask yourself, "Is all of this worth it?"

The pressure, long duty hours, difficult decisions, and responsibilities people don't always see can be exhausting. Especially when PPJ and mechanical issues aren't meeting the desired targets. My patience? Still a work in progress. ✌️๐Ÿ˜‚

But maybe that's the lesson: behind every machine failure is a root cause to discover, and behind every production loss is an opportunity to improve.

Perhaps life works the same way.

One bad shift doesn't define the entire performance. One breakdown doesn't mean the machine is beyond recovery. And one setback doesn't mean you've failed.

Your current situation is not your final performance.

We spend every day improving OEE, reducing handler downtime, developing our team, and finding ways to make the process better. But we must also invest in ourselves, learn from setbacks, and prepare for opportunities beyond our current position.

Your current salary doesn't determine your future worth. (Whee di nga?? ๐Ÿ˜‚) And if there's one thing I've learned, it's that growth takes time, patience, and sometimes a little troubleshooting of our own lives.

Keep learning. Keep improving. Keep leading. And when things don't go as planned, don't forget to update your rรฉsumรฉ. ๐Ÿคฃ

At the end of the day, success isn't measured by OEE, handler downtime reduction, or PPJ improvement alone. It's also about the silent sacrifices, long duty hours, people we've helped grow, and prayers we whisper while hoping for something better.

I'll keep solving problems, developing people, and improving performance — not just for the production targets I'm responsible for, but for the future I'm trying to build for myself.

Because just like every process can improve, life can still get better. One breakdown, one lesson, and one step at a time. ๐Ÿค

10132026 tue

Php12 pandesal

Office ganda
Site pogi

Php700 palengke
Php14+12+35 pamasahe

php30

Php12+14+14+30 pamasahe gym