Monday, November 11, 2024
Sunday, November 10, 2024
11112024 mon
Balanse
"We are raising children, not houses."
Nabasa ko lang somewhere in IG. Tama naman. Maganda na malinis at maayos ang bahay palagi pero, sa totoo lang, sobrang hirap panatilihin na malinis ang isang bahay sa buong araw. Sa paglilinis na lang mauubos ang oras mo kesa sa mga importanteng bagay.
Magmula ng bumukod kaming mag-asawa, na-realized ko na "Sometimes, you can't win them all".
Malinis na bahay pero naubusan ka naman ng oras sa sarili o sa anak.
Ang daming bonding with my kid pero parang dinaanan ng bagyo ang bahay.
Malinis ang bahay at maayos ang anak pero nagkakasakit ka naman sa pagod kasi you want to do it all.
Ultimately, it all boils down to priorities. Yes, dapat linisin ang bahay pero wag ubusin ang oras sa kakalinis to the point na nakakalimutan na ang mga kasamang nakatira sa tahanan.
Okay lang na gumala o matulog ng may mga kalat.
Okay lang na makipagbonding sa anak kahit tambak ang hugasin at labahin.
Hindi sayang ang oras mo kapag inuna mo ang pakikipaglaro sa anak mo.
Again, we are raising children not houses.
Ang hirap i-balanse ano? Pero basta ginagawa mo ang makakaya mo with good intentions, okay na okay na yan.
You can still be a good mom kahit na makalat at hindi organized ang bahay. ❤
✍️mommyerikajane
Saturday, November 09, 2024
11102024 sun
Friday, November 08, 2024
11092024 sat stiff neck
Journey.
No stock trading post...
No motivational post...
You know life was much easier when all I did was trade every day—just grab my laptop, sit at my desk, read price action, trade, profit, repeat.
Making decisions used to be my strength. But now, I find myself pausing, overthinking, and still unsure if the choices I make are the right ones. 🍀
Magpapatuloy ba sa journey na ito? Mangangarap ng PR? Why most of us are dreaming to have another citizenship? Worth it ba ito or nacchallenge lng ako. Kapag may nilatag ba sa iyong path, kailangan mo yun lakaran? Without assurance that you will succeed... 🦋
Yeah, its just me—updating. Feeling a bit lost, uncertain about life choices. It feels overwhelming, but I’m still moving forward, and seeing where life leads me. 🍂
To those who follow and know me, I just want to say I appreciate you—thank you for being here with me. ✨️✨️
____________
Guillen Rocher
Life
"When we die, our money remains in the bank... Yet, when we are alive, we don't have enough money to spend. In reality, when we are gone, there is still a lot of money not spent.
A business tycoon in China passed away. His widow, left with $1.9 billion in the bank, married his chauffeur. His chauffeur said:- "All the while, I thought I was working for my boss... it is only now, that I realize that my boss was all the time, working for me !!!"
The cruel reality is: It is more important to live longer than to have more wealth. So, we must strive to have a strong and healthy body, It really doesn't matter who is working for who.
In a high end hand phone, 70% of the functions are useless!
For an expensive car, 70% of the speed and gadgets are not needed.
If you own a luxurious villa or mansion, 70% of the space is usually not used or occupied.
How about your wardrobes of clothes?
70% of them are not worn!
A whole life of work and earning... 70% is for other people to spend.
So, we must protect and make full use of our 30%.
👉Go for medical check-ups even if not sick.
👉Drink more water, even if not thirsty.
👉Learn to let go, even if faced with grave problems.
👉Endeavor to give in, even if you are in the right.
👉Remain humble, even if you are very rich and powerful.
👉learn to be contented, even if you are not rich.
👉Exercise your mind and body, even if you are very busy.
👉Make time for people you care about.
LIFE IS SHORT... ENJOY & LIVE LIFE TO THE FULLEST!!!
🔹Love God and others More!✔
🔹Take time to PRAY and Read the Word of God! ✔
🔹Drink Plenty of water. ✔
🔹EAT:
Breakfast like a KING,
Lunch like a Prince &
Dinner like a pauper. ✔
🔹Live with the 3 E's--
Energy,
Enthusiasm &
Empathy.✔
🔹Play good games.✔
🔹Read more books than you did in 2018.✔
🔹Sit in silence for at least 10 minutes each day.✔
🔹Sleep for 7 hours.✔
🔹Take a 10-30 minutes walk daily And while you walk...😊 Smile.✔
🔹Don't over do. Keep your limits.✔
🔹Don't take yourself so seriously. No one else does.✔
🔹Don't waste your precious energy on gossip.✔
🔹Dream more while you are awake.✔
🔹Envy is a waste of time. You already have all you need.✔
🔹Forget issues of the past. Don't remind your partner with his/her mistakes of the past. That will ruin your present Happiness.✔
🔹Life is too short to waste time hating anyone. Don't hate others.✔
🔹Make peace with your past so it won't spoil the present.✔
🔹No one is in charge of your happiness except you.✔
🔹Smile and Laugh More.✔
🔹You don't have to win every argument, Agree to disagree. ✔
🔹Call your family often.✔
🔹Each day give something good to others.✔
🔹Forgive everyone for everything.✔
🔹Spend time with people over the age of 70 & under the age of 6.✔
🔹Try to make at least three people smile each day.✔
🔹What other people think of you is none of your business.✔
🔹Do the right thing!✔
🔹GOD heals everything.✔
🔹However good or bad a situation is, it will change.✔
🔹No matter how you feel, Get up, Dress up and Show up. The best is yet to come.✔
🔹When awake in the morning Thank GOD for it.✔
🔹Your Inner most is always happy...
So, be Happy. ✔
▶LAST BUT NOT THE LEAST
Please 👉Forward This To Everyone Whom You Care to.
#ccto #ctto
Thursday, November 07, 2024
11082024 fri nakadumi
Php500 tip ibabawas sa singil sa bahay.
Wisdom
WISDOM FROM RICH DAD.
From the book Rich DAD Poor DAD, by Robert Kiyosaki
1. Don’t work for money:
Rich don’t work for money. If you work for money, your mind will start thinking like an employee. If you start thinking differently like a rich man, you will see things differently. Rich works on their asset column, every dollar in their asset column is their hard-working employee.
2. Don’t be controlled by emotions:
Some people’s lives are always controlled by the two emotions of fear and greed. Fear keeps people in this trap of working hard, earning money, working hard, earning money, and hoping that it will reduce their fear. Secondly, most of us have the greed to get rich quickly. Yes, many people become rich overnight, but they have no financial education. So educate yourself and don’t be greedy or fearful.
3. Acquire assets:
Don’t buy liabilities on your way to financial freedom. People buy liabilities and think these are assets, but they are not. Many people buy luxuries first, like big cars, heavy bikes, or big houses to live in. But the rich buy assets and their assets buy luxuries. The rich buy houses and rent them, and they pay them for their Lamborghinis. The poor or middle class buy luxuries first, and the rich buy luxuries last.
4. Remember the KISS principle:
KISS stands for keeping it simple, and stupid. Don’t be too overloaded your mind when you are going to start your way to financial freedom. Things are simple and keep them simple. The simple thing to remember is assets put money in pocket and liabilities take money out of pocket. Always buy assets so they put money into your pocket.
5. Know the difference between assets and liabilities:
Assets are anything that puts money in your pocket, like stocks, bonds, real estate, mutual funds, rental properties, etc. Liabilities are anything that pulls money out of your pocket, like your house, your car, debt, etc. People think their home is their biggest asset, but it is not. A house is an asset when it generates money like when you rent a house, it generates money, and when your life in that house becomes a liability.
6. Don’t be a financial illiterate:
A person can be highly educated and become successful in their profession, but financially illiterate. Financial education is very important for any individual. Our schools and colleges did not teach us financial education. Many financial problems arise as a result of a lack of financial education. Start learning financial education and I suggest you read the book "Rich Dad, Poor Dad".
7. Increase your Wealth:
Wealth is defined as a person's ability to survive for a certain number of days in the future, or how long they could survive if they stopped working today. Consider your wealth and whether you would survive if you stopped working today for a year.
8. Mind your own business:
If you have a job, keep your job and start a part-time business and work it. Use the time that you spend on your iPhone, parties, or any other activity, to build your business. Never leave your job until you build your own business. Don’t struggle all of your life for someone else. Start your own business and grow your business.
9. Train your mind:
Your biggest asset is your mind. Many individuals watch opportunities with their eyes, but if you train your mind, you can see opportunities with your mind. If you train your mind well, it can create enormous wealth.
10. Learn technical skills:
Your financial IQ will be raised by learning these four technical skills:
Accounting is defined as the ability to read numbers. If you want to build an empire, then this is an essential skill. By learning this skill, you will be able to understand the strengths and weaknesses of a business.
Investing: It is the science of making money.
Understanding markets: It is the science of supply and demand.
The Law: A person who knows the law of tax advantages and corporations can get rich faster than others.
11. Find opportunities that everyone else missed:
"Great opportunities are not seen with your eyes. They are seen with your mind. "
You can see many more opportunities with your mind than many people miss with their eyes. It is not rocket science, you just need to train your mind.
12. Learn to manage risk:
Investment is not risky, not knowing the investment is risky. If you want to reduce the risk, then increase your knowledge. This knowledge will not come by going to college, it will come by reading books or sitting with people who know the investment.
13. Learn management:
The main management skills are:
Management of cash flow
Management of system
Management of people
Sales and marketing are the most essential skills. The ability to sell and the ability to communicate with another human being, be it a customer, employee, fiancé, friend, or child, is a basic skill of personal success.
14. Manage fear:
“Failure inspires winners. Failure defeats losers.”
Everyone has a fear of losing money.
CTTO💟
#CashFlow #finance #richdad #assets #liabilities #success
Water herb
12 Spices & Herbs You Can Grow With Just Water All Year Round 🌱...See more...👇
1. Basil
Place basil stems in a jar of water and keep them in bright, indirect light. Replace the water every few days for healthy growth.
2. Mint
Mint grows rapidly in water. Just place cuttings in a jar, and soon you'll have an abundant supply for teas and recipes.
3. Green Onions
Regrow green onions from the root ends by placing them in water. They’ll regrow quickly for endless garnishing.
4. Thyme
Cut fresh thyme sprigs and place them in water near a sunny window to have a steady supply for soups and sauces.
5. Oregano
Oregano thrives in water and can last all year with regular trimming. Use it for flavorful pizzas and marinades.
6. Rosemary
Rosemary may take a little longer to root, but with patience, you’ll have a continuous supply of this aromatic herb.
7. Sage
Sage cuttings grow well in water, making it easy to use for meats, stews, and stuffing all year long.
8. Chives
Chives are quick to grow and perfect for garnishing salads, soups, and eggs. Simply place the cuttings in water and watch them flourish.
9. Lemon Balm
Lemon balm grows easily in water and adds a refreshing touch to teas and cocktails.
10. Cilantro
Cilantro cuttings will thrive in water, providing fresh herbs for Mexican and Asian dishes on demand.
11. Parsley
Keep parsley stems in water on your windowsill, and you’ll always have this versatile herb ready to use.
12. Tarragon
Tarragon cuttings can be rooted in water and will provide flavor for fish and chicken dishes year-round.
How to Start Growing Herbs in Water.....
1. Select Fresh Herb Cuttings: Choose healthy stems from mature plants, about 4 to 6 inches long, and remove the leaves from the lower half of the stem.
2. Place in Water: Put the cuttings in a clear glass or jar with fresh water. Make sure the stems are submerged, but keep leaves above the water to avoid rotting.
3. Change Water Regularly: To keep the herbs healthy, change the water every 2-3 days to prevent bacterial growth.
4. Positioning: Place the jars near a bright window or a spot with indirect sunlight, like a kitchen counter.
5. Wait for Roots to Form: In 1-2 weeks, you’ll notice roots starting to develop at the base of the cuttings. Once rooted, the herbs will thrive with minimal care.
Linis linis
THE TOXINS OF THE HOUSE ARE:
1. Objects You No Longer Use.
2. Clothes You Don't Like Or Haven't Used In A While. Damaged underwear.
3. Broken Things.
4. Old cards and notes.
5. Plants that are dead or sick.
6. Receipts and Old Magazines.
9. Shoes Broke.
7. Stuff of all kinds calling the past.
8. If you have children, toys that are not used, that do not work or broken.
WITH CLEANING THEM OUT:
1. Health gets better.
2. Creativity grows.
3. Relationships get better.
4. There is greater reasoning capacity.
5? Improved mood.
QUESTIONS THAT MIGHT HELP CLEANSING:
- Why am I saving that?
- Is it about me today?
- How will I feel if I release that?
Separate and classify:
1. To donate.
2. To throw.
3. To sell.
INSIDE CLEANING REFLECTED OUTSIDE.
1. Avoid extreme noises.
2. Less strong lights.
3. Less saturated colors.
4. Less chemical odors.
5. Less sad memories.
6. Finish unfinished projects.
7. Cultivate positive energy in your home.
Do a general cleaning and use boxes for organization. Start with drawers and cabinets and conclude each piece, do everything at your pace...
a) Trash.
b) Arrangements.
c) Recycling.
d) In doubt.
e) Gifts.
(f) Donation.
g) Sell.
As you CLEANSE, watch what changes in you.
As we clean our physical house, we also place order to our mind and heart.
Practice detachment with material things that just fill your space and you'll see how you'll slowly be able to do the same with more momentous situations.
Blessed be for you always
#viralpost #highlights #reelsviralシ #everyoneシ゚ #fyp #everyone #trend #followers #fypシ゚viral
Turo
What they taught you about money no longer works.
For decades, we’ve been brainwashed into thinking that the only path to financial success is by climbing the corporate ladder:
* Graduate from college
* Get a safe and secure job
* Work hard
* Get promoted
* Maging loyal sa company for 30 years
* Save for retirement
* Live happily ever after
But here’s the truth: That “old game” was designed during the industrial age. OK lang nung industrial age, at siguro hanggang 80s.
Pero nung naimbento ang microchip at computer, everything started evolving at lightning speed.
Globalization, automation, and outsourcing led to mass layoffs, contract-based work, and less job security.
In reality, job security is now just an illusion.
Sadly, ang school system natin ay sobrang bagal mag-adapt, kaya it’s still teaching the old "rules" of the game.
Imagine playing basketball ngayon gamit ang tactics ng 1970s—what are your chances of winning? ZERO.
Yes, masipag ka naman, but the game of making money has changed a lot.
If you’re not leveraging the internet, automation, or outsourcing, you’re missing out on countless opportunities.
I’ve made over P250M by selling my own digital products and programs online—and earned millions more along the way.
But the best part? I’ve been able to design a life I’m excited to wake up to, running my business from home for 16 years.
I’m not telling you this to brag but to show you that I’ve been playing this “new game” for years.
Now, it’s your turn to decide:
1) Stay where you are. Do nothing and just work harder.
2) Learn the new game, and start making more money while working less.
I hope you choose #2.
If you do, I’d love to give you free access to my training on how to start a modern business selling e-books and digital products.
Click the link below, register, and watch the full training.
https://www.negosyouniversity.com/programs/accel-v1/
To your freedom,
Jon Oraña
Wednesday, November 06, 2024
11072024 thu seizure poso negro
Abiso
MY ADVICE TO YOUTHS 🙏
1. Your control of your sexual urges will be the reason you are either successful or a failure.
2. Porn and masturbation is the greatest killer of success. It stunt and destroy your brain.
3. Avoid drinking alcohol like a camel drinking water. Nothing worse than losing your senses and acting a fool.
4. Keep your standards high and don't settle for something because it's available.
5. If you find someone smarter than you, work with them, don't compete.
6. No one is coming to save your problems. Your life's 100% is your responsibility.
7. You shouldn't take advice from people who are not where you want to be in life.
8. Find new ways to make money. Make money and ignore the jokers who mocks and make fun of you.
9. You don't need 100 self-help books, all you need is action and self discipline. Be disciplined!
10. Avoid drugs. Avoid weed.
11. Learn skills on YouTube not wasting your time consuming shitty content on Netflix.
12. No one cares about you. So stop being shy, go out and create your chances.
13. Comfort is the worst addiction and cheap ticket to depression.
14. Prioritize your family. Defend them even if they stink, even if they are idiots. Cover their nakedness.
15. Find new opportunities and learn from people ahead of you.
16. Trust no one. Not a single person no matter how tempted. Believe in yourself.
17. Don't wait for miracles make them happen. Yes you can't always do it alone but don't listen to the opinion of people.
18. Hardwork and determination can make you achieve anything.
Humbling yourself only takes you higher.
19. Stop waiting to discover yourself. Create YOU instead.
20. The world won't slow down for you.
21. No one owes you anything.
22. Life is a single-player game. You’re born alone. You’re going to die alone. All of your interpretations are alone. You’re gone in three generations and nobody cares. Before you showed up, nobody cared. It’s all single-player.
23. Your life path is designed in such a path that you feel needy, depressed and weak all the time. And there's only one way out, which is deciding to get out. No one but you will save yourself and your loved ones.
24. Not everyone has the same heart as you. Not everyone is honest with you as you are with them. You will meet people who will use you for their gain and then discard you once that section of their life has passed and they are fulfilled. Stay woke.
25. By age 25, you should be smart enough to:
→Celebrate the success of others
→Avoid jealousy and envy
→Keep an open-mind
→Avoid assumptions
→Act with intention
→Practice gratitude
→Speak honestly
→Exercise daily
→Avoid gossip
→Eat clean
→Forgive
→Listen
→Learn
→LOVE
Time waits for no one.👉️🏃
SOURCED FROM 👇
E SALA CUP NAMDHE
Tuesday, November 05, 2024
11062024 wed nakadumi.
Monday, November 04, 2024
11052024 tue nagpagupit at pasta ng ipin
11042024 mon
Saturday, November 02, 2024
11032024 sun uwi kabite
Magulang
Para sa lahat ng mga anak na nagagalit sa kanilang magulang,
Kung mahal ninyo ang mga inyong mga magulang,
makikinig kayo sa sinasabi nila,
Yung mga payo nila, d'yan ka matututo,
Swerte ka kung pinapangaralan ka pa ng magulang mo dahil ibig sabihin, may malasakit sila sa'yo.
Lagi mong tandaan,
hindi ka nila pagsasabihan ng hindi maganda kung wala kang ginagawa na nakikitang mali sa kanila, Nasasaktan ka?
At ang naiisip mong solusyon ay maglayas?
Bago mo gawin 'yan, sana ma-realize mo na yung sakit na nararamdaman mo ay doble ng sakit na mararamdaman ng magulang mo kapag umalis ka.
Alam mo kung bakit?
Dahil sa kilos mong 'yan, pinapakita mong wala kang takot o respeto sa kanila.
Pinapakita mong binabalewala mo lahat ng pangaral nila.
Masakit iyon para sa isang magulang na ang tanging hangad ay mapunta ka sa tamang landas.
Lagi mong tandaan, hangga't nasa puder ka nila, dapat lang na sumunod ka sa kanila.
Lilipas ang panahon... baka ang ginagawa mo ngayon sa magulang mo, gawin din sa'yo ng magiging anak mo.
Kaya sana ay mauunawaan ninyo mga anak,
Na lahat ay ginagawa ng isang mabuting magulang,
Para sa inyong magandang kinabukasan,
#kapitananglipa
How.
𝗛𝗼𝘄 𝘁𝗼 𝗧𝗿𝗮𝗻𝘀𝗳𝗲𝗿 𝗥𝗲𝗮𝗹 𝗘𝘀𝘁𝗮𝘁𝗲 𝗧𝗶𝘁𝗹𝗲𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗣𝗵𝗶𝗹𝗶𝗽𝗽𝗶𝗻𝗲𝘀 (𝗙𝗿𝗼𝗺 𝗮 𝗦𝗮𝗹𝗲)
Properly transferring a real estate title in the Philippines is a critical step to ensure legal ownership and avoid future disputes. This process can be complex and time-consuming, but it is essential to prevent any potential legal issues and financial losses. Here's a simplified guide to help you through the process and ensure a smooth transition of ownership.
𝗣𝗼𝘁𝗲𝗻𝘁𝗶𝗮𝗹 𝗣𝗿𝗼𝗯𝗹𝗲𝗺𝘀
𝙐𝙣𝙧𝙚𝙜𝙞𝙨𝙩𝙚𝙧𝙚𝙙 𝙎𝙖𝙡𝙚𝙨: If a property sale isn't registered and the title isn't transferred, future disputes can arise, especially if the original parties pass away.
𝙄𝙣𝙘𝙤𝙢𝙥𝙡𝙚𝙩𝙚 𝘿𝙤𝙘𝙪𝙢𝙚𝙣𝙩𝙨: Purchasing a property without verifying all documents can lead to issues if supporting documents are missing.
𝘾𝙤𝙧𝙥𝙤𝙧𝙖𝙩𝙚 𝙎𝙖𝙡𝙚𝙨: If a corporation sells a property but dissolves before the title transfer is complete, the buyer may face difficulties.
𝗦𝘁𝗲𝗽-𝗯𝘆-𝗦𝘁𝗲𝗽 𝗚𝘂𝗶𝗱𝗲
𝙄. 𝙋𝙧𝙚𝙥𝙖𝙧𝙖𝙩𝙞𝙤𝙣
1. 𝘿𝙤𝙘𝙪𝙢𝙚𝙣𝙩𝙨 𝙛𝙤𝙧 𝘿𝙚𝙚𝙙 𝙤𝙛 𝙎𝙖𝙡𝙚:
-Deed of Absolute Sale
-Acknowledgment of Payment
-Affidavit of Non-Tenancy (if applicable)
-Affidavit of Land Holdings (if applicable)
2. 𝙎𝙞𝙜𝙣𝙞𝙣𝙜 𝘿𝙤𝙘𝙪𝙢𝙚𝙣𝙩𝙨:
-Both parties sign the Deed of Sale and Acknowledgment Receipt.
-Seller signs the Affidavit of Non-Tenancy (if applicable).
-Buyer signs the Affidavit of Land Holdings (if applicable).
3. 𝘼𝙙𝙙𝙞𝙩𝙞𝙤𝙣𝙖𝙡 𝘿𝙤𝙘𝙪𝙢𝙚𝙣𝙩𝙨
-2 government-issued IDs of both parties
-Tax Identification Number (TIN) of each party
-Original Owner’s Duplicate of Title
Marriage Contract (if applicable)
-Previous Certificate Authorizing Registration (CAR)
-Tax Declaration
-Real Property Tax (RPT) Receipts
-Special Power of Attorney (SPA) if applicable
4. 𝙉𝙤𝙩𝙖𝙧𝙞𝙯𝙖𝙩𝙞𝙤𝙣: Notarize all signed documents.
𝗜𝗜. 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗖𝗼𝗺𝗽𝘂𝘁𝗮𝘁𝗶𝗼𝗻𝘀 𝗮𝗻𝗱 𝗖𝗲𝗿𝘁𝗶𝗳𝗶𝗲𝗱 𝗖𝗼𝗽𝗶𝗲𝘀
1. 𝘽𝙪𝙧𝙚𝙖𝙪 𝙤𝙛 𝙄𝙣𝙩𝙚𝙧𝙣𝙖𝙡 𝙍𝙚𝙫𝙚𝙣𝙪𝙚 (𝘽𝙄𝙍):
-Get computation for Documentary Stamp Tax (DST) and Capital Gains Tax (CGT).
2. 𝘾𝙞𝙩𝙮 𝙏𝙧𝙚𝙖𝙨𝙪𝙧𝙚𝙧’𝙨 𝙊𝙛𝙛𝙞𝙘𝙚:
-Get computation for Transfer Tax and Tax Clearance.
3. 𝘾𝙞𝙩𝙮 𝘼𝙨𝙨𝙚𝙨𝙨𝙤𝙧’𝙨 𝙊𝙛𝙛𝙞𝙘𝙚:
-Obtain a Certified True Copy of the Tax Declaration.
4. 𝙍𝙚𝙜𝙞𝙨𝙩𝙧𝙮 𝙤𝙛 𝘿𝙚𝙚𝙙𝙨:
-Get computation for Registration Fee and a Certified True Copy of the existing Title.
𝗜𝗜𝗜. 𝗣𝗿𝗲𝗽𝗮𝗿𝗲 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀
1. 𝘿𝙚𝙖𝙙𝙡𝙞𝙣𝙚𝙨:
-CGT: 30 days after notarization of Deed of Sale.
-DST: 5th day of the following month from notarization.
-Transfer Tax: 60 days from execution of Deed of Sale.
-Registration Fee: 1 year from CAR release date + 6 months extension if approved by BIR.
𝗜𝗩. 𝗣𝗿𝗼𝗰𝗲𝘀𝘀 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀
1. 𝘽𝙄𝙍:
-Submit required documents to ONETT for computation.
-Pay DST and CGT at the Accredited Agent Bank.
-Return to BIR to file documents and obtain the new CAR.
2. 𝘾𝙞𝙩𝙮 𝙏𝙧𝙚𝙖𝙨𝙪𝙧𝙚𝙧’𝙨 𝙊𝙛𝙛𝙞𝙘𝙚:
-Submit Deed of Sale and IDs.
-Pay Transfer Tax and get the Transfer Tax Clearance.
3. 𝙍𝙚𝙜𝙞𝙨𝙩𝙧𝙮 𝙤𝙛 𝘿𝙚𝙚𝙙𝙨:
-Submit CAR, Deed of Sale, and Transfer Tax Clearance.
-Pay the registration fee.
𝗩. 𝗙𝗼𝗹𝗹𝗼𝘄 𝗨𝗽
1. 𝙍𝙚𝙜𝙞𝙨𝙩𝙧𝙮 𝙤𝙛 𝘿𝙚𝙚𝙙𝙨:
-Follow up on the new Title application.
-Once released, file a copy with the City Assessor’s Office.
𝗩𝗜. 𝗡𝗲𝘄 𝗧𝗮𝘅 𝗗𝗲𝗰𝗹𝗮𝗿𝗮𝘁𝗶𝗼𝗻
1. 𝘾𝙞𝙩𝙮 𝘼𝙨𝙨𝙚𝙨𝙨𝙤𝙧’𝙨 𝙊𝙛𝙛𝙞𝙘𝙚:
-Present the new Title to get a new Tax Declaration.
𝗙𝗶𝗻𝗮𝗹 𝗥𝗲𝗺𝗶𝗻𝗱𝗲𝗿𝘀
Pay close attention to details to avoid delays.
Bring original documents when in doubt.
Be patient due to potential wait times.
By following these steps, you can ensure a smooth and proper transfer of the real estate title.
CTTO
Sad
𝐍𝐀𝐊𝐀𝐊𝐀𝐋𝐔𝐍𝐆𝐊𝐎𝐓 ,𝐏𝐄𝐑𝐎 𝐈𝐓𝐎 𝐀𝐍𝐆 𝐑𝐄𝐀𝐋𝐈𝐃𝐀𝐃 𝐍𝐆 𝐁𝐔𝐇𝐀𝐘 𝐒𝐀 𝐍𝐆𝐀𝐘𝐎𝐍.
𝐓𝐢𝐧𝐚𝐧𝐨𝐧𝐠 𝐧𝐠 𝐢𝐬𝐚𝐧𝐠 𝐛𝐢𝐧𝐚𝐭𝐚 𝐚𝐧𝐠 𝐤𝐚𝐧𝐲𝐚𝐧𝐠 𝐥𝐨𝐥𝐨,
"𝐋𝐨𝐥𝐨, 𝐩𝐚𝐚𝐧𝐨 𝐤𝐚 𝐧𝐚𝐛𝐮𝐡𝐚𝐲 𝐬𝐚 𝐧𝐚𝐤𝐚𝐫𝐚𝐚𝐧 𝐤𝐮𝐧𝐠 𝐰𝐚𝐥𝐚𝐧𝐠 𝐭𝐞𝐤𝐧𝐨𝐥𝐨𝐡𝐢𝐲𝐚...
𝐰𝐚𝐥𝐚𝐧𝐠 𝐤𝐨𝐦𝐩𝐲𝐮𝐭𝐞𝐫
𝐰𝐚𝐥𝐚𝐧𝐠 𝐝𝐫𝐨𝐧𝐞
𝐰𝐚𝐥𝐚𝐧𝐠 𝐛𝐢𝐭𝐜𝐨𝐢𝐧𝐬
𝐰𝐚𝐥𝐚𝐧𝐠 𝐤𝐨𝐧𝐞𝐤𝐬𝐲𝐨𝐧 𝐬𝐚 𝐈𝐧𝐭𝐞𝐫𝐧𝐞𝐭
𝐰𝐚𝐥𝐚𝐧𝐠 𝐓𝐕
𝐰𝐚𝐥𝐚𝐧𝐠 𝐚𝐢𝐫𝐜𝐨𝐧
𝐰𝐚𝐥𝐚𝐧𝐠 𝐬𝐚𝐬𝐚𝐤𝐲𝐚𝐧
𝐰𝐚𝐥𝐚𝐧𝐠 𝐜𝐞𝐥𝐥𝐩𝐡𝐨𝐧𝐞?"
𝐒𝐮𝐦𝐚𝐠𝐨𝐭 𝐬𝐢 𝐥𝐨𝐥𝐨:
"𝐊𝐮𝐧𝐠 𝐩𝐚𝐚𝐧𝐨𝐧𝐠 𝐚𝐧𝐠 𝐢𝐲𝐨𝐧𝐠 𝐡𝐞𝐧𝐞𝐫𝐚𝐬𝐲𝐨𝐧 𝐚𝐲 𝐧𝐚𝐛𝐮𝐛𝐮𝐡𝐚𝐲 𝐧𝐠𝐚𝐲𝐨𝐧 ...
𝐰𝐚𝐥𝐚𝐧𝐠 𝐩𝐚𝐧𝐚𝐥𝐚𝐧𝐠𝐢𝐧,
𝐰𝐚𝐥𝐚𝐧𝐠 𝐚𝐰𝐚,
𝐰𝐚𝐥𝐚𝐧𝐠 𝐫𝐞𝐬𝐩𝐞𝐭𝐨,
𝐰𝐚𝐥𝐚𝐧𝐠 𝐆𝐌𝐑𝐂,
𝐰𝐚𝐥𝐚𝐧𝐠 𝐭𝐮𝐧𝐚𝐲 𝐧𝐚 𝐞𝐝𝐮𝐤𝐚𝐬𝐲𝐨𝐧,
𝐦𝐚𝐡𝐢𝐧𝐚𝐧𝐠 𝐩𝐚𝐠𝐤𝐚𝐭𝐚𝐨,
𝐰𝐚𝐥𝐚𝐧𝐠 𝐤𝐚𝐛𝐚𝐢𝐭𝐚𝐧 𝐧𝐠 𝐭𝐚𝐨,
𝐰𝐚𝐥𝐚𝐧𝐠 𝐤𝐚𝐡𝐢𝐡𝐢𝐲𝐚𝐧,
𝐰𝐚𝐥𝐚𝐧𝐠 𝐤𝐚𝐡𝐢𝐧𝐡𝐢𝐧𝐚𝐧,
𝐰𝐚𝐥𝐚𝐧𝐠 𝐤𝐚𝐭𝐚𝐩𝐚𝐭𝐚𝐧.
𝐊𝐚𝐦𝐢, 𝐚𝐧𝐠 𝐦𝐠𝐚 𝐭𝐚𝐨𝐧𝐠 𝐢𝐩𝐢𝐧𝐚𝐧𝐠𝐚𝐧𝐚𝐤 𝐬𝐚 𝐩𝐚𝐠𝐢𝐭𝐚𝐧 𝐧𝐠 𝐦𝐠𝐚 𝐭𝐚𝐨𝐧𝐠 𝟏𝟗𝟑𝟎-𝟏𝟗𝟖𝟎, 𝐚𝐲 𝐚𝐧𝐠 𝐦𝐠𝐚 𝐩𝐢𝐧𝐚𝐠𝐩𝐚𝐥𝐚. 𝐀𝐧𝐠 𝐛𝐮𝐡𝐚𝐲 𝐧𝐚𝐭𝐢𝐧 𝐚𝐲 𝐢𝐬𝐚𝐧𝐠 𝐛𝐮𝐡𝐚𝐲 𝐧𝐚 𝐩𝐚𝐭𝐮𝐧𝐚𝐲."
¶ 𝐇𝐚𝐛𝐚𝐧𝐠 𝐧𝐚𝐠𝐥𝐚𝐥𝐚𝐫𝐨 𝐚𝐭 𝐧𝐚𝐠𝐛𝐢𝐛𝐢𝐬𝐢𝐤𝐥𝐞𝐭𝐚, 𝐡𝐢𝐧𝐝𝐢 𝐩𝐚 𝐤𝐚𝐦𝐢 𝐧𝐚𝐠𝐬𝐮𝐬𝐮𝐨𝐭 𝐧𝐠 𝐡𝐞𝐥𝐦𝐞𝐭.
¶ 𝐩𝐚𝐠𝐤𝐚𝐭𝐚𝐩𝐨𝐬 𝐧𝐠 𝐩𝐚𝐚𝐫𝐚𝐥𝐚𝐧 𝐚𝐲 𝐠𝐢𝐧𝐚𝐰𝐚 𝐧𝐚𝐦𝐢𝐧 𝐚𝐧𝐠 𝐚𝐦𝐢𝐧𝐠 𝐦𝐠𝐚 𝐚𝐫𝐚𝐥𝐢𝐧𝐠-𝐛𝐚𝐡𝐚𝐲 𝐚𝐭 𝐩𝐚𝐥𝐚𝐠𝐢 𝐤𝐚𝐦𝐢𝐧𝐠 𝐧𝐚𝐠𝐥𝐚𝐥𝐚𝐫𝐨 𝐬𝐚 𝐩𝐚𝐫𝐚𝐧𝐠 𝐡𝐚𝐧𝐠𝐠𝐚𝐧𝐠 𝐬𝐚 𝐩𝐚𝐠𝐥𝐮𝐛𝐨𝐠 𝐧𝐠 𝐚𝐫𝐚𝐰
¶ 𝐍𝐚𝐤𝐢𝐩𝐚𝐠𝐥𝐚𝐫𝐨 𝐤𝐚𝐦𝐢 𝐬𝐚 𝐦𝐠𝐚 𝐭𝐮𝐧𝐚𝐲 𝐧𝐚 𝐤𝐚𝐢𝐛𝐢𝐠𝐚𝐧, 𝐡𝐢𝐧𝐝𝐢 𝐬𝐚 𝐦𝐠𝐚 𝐯𝐢𝐫𝐭𝐮𝐚𝐥 𝐧𝐚 𝐤𝐚𝐢𝐛𝐢𝐠𝐚𝐧.
¶ 𝐊𝐮𝐧𝐠 𝐤𝐚𝐦𝐢 𝐚𝐲 𝐧𝐚𝐮𝐮𝐡𝐚𝐰, 𝐤𝐚𝐦𝐢 𝐚𝐲 𝐮𝐦𝐢𝐢𝐧𝐨𝐦 𝐧𝐠 𝐟𝐫𝐢𝐦 𝐬𝐚 𝐟𝐨𝐮𝐧𝐭𝐚𝐢𝐧, 𝐦𝐮𝐥𝐚 𝐬𝐚 𝐦𝐠𝐚 𝐭𝐚𝐥𝐨𝐧, 𝐭𝐮𝐛𝐢𝐠 𝐧𝐠 𝐠𝐫𝐢𝐩𝐨, 𝐡𝐢𝐧𝐝𝐢 𝐦𝐢𝐧𝐞𝐫𝐚𝐥 𝐧𝐚 𝐭𝐮𝐛𝐢𝐠.
¶ 𝐇𝐢𝐧𝐝𝐢 𝐤𝐚𝐦𝐢 𝐤𝐚𝐢𝐥𝐚𝐧𝐦𝐚𝐧 𝐧𝐚𝐠-𝐚𝐥𝐚𝐥𝐚 𝐚𝐭 𝐧𝐚𝐠𝐤𝐚𝐬𝐚𝐤𝐢𝐭 𝐤𝐚𝐡𝐢𝐭 𝐧𝐚 𝐧𝐚𝐠𝐬𝐚𝐥𝐨 𝐤𝐚𝐦𝐢 𝐧𝐠 𝐩𝐚𝐫𝐞𝐡𝐨𝐧𝐠 𝐭𝐚𝐬𝐚 𝐨 𝐩𝐥𝐚𝐭𝐨 𝐬𝐚 𝐚𝐦𝐢𝐧𝐠 𝐦𝐠𝐚 𝐤𝐚𝐢𝐛𝐢𝐠𝐚𝐧.
¶ 𝐇𝐢𝐧𝐝𝐢 𝐤𝐚𝐦𝐢 𝐤𝐚𝐢𝐥𝐚𝐧𝐦𝐚𝐧 𝐭𝐮𝐦𝐚𝐛𝐚 𝐬𝐚 𝐩𝐚𝐦𝐚𝐦𝐚𝐠𝐢𝐭𝐚𝐧 𝐧𝐠 𝐩𝐚𝐠𝐤𝐚𝐢𝐧 𝐧𝐠 𝐭𝐢𝐧𝐚𝐩𝐚𝐲 𝐚𝐭 𝐩𝐚𝐬𝐭𝐚 𝐚𝐫𝐚𝐰-𝐚𝐫𝐚𝐰.
¶ 𝐖𝐚𝐥𝐚𝐧𝐠 𝐧𝐚𝐧𝐠𝐲𝐚𝐫𝐢 𝐬𝐚 𝐚𝐦𝐢𝐧𝐠 𝐦𝐠𝐚 𝐩𝐚𝐚 𝐬𝐚 𝐤𝐚𝐛𝐢𝐥𝐚 𝐧𝐠 𝐩𝐚𝐠𝐥𝐚𝐥𝐚𝐤𝐚𝐝 𝐧𝐚 𝐰𝐚𝐥𝐚𝐧𝐠 𝐬𝐚𝐩𝐢𝐧.
¶ 𝐇𝐢𝐧𝐝𝐢 𝐤𝐚𝐦𝐢 𝐤𝐚𝐢𝐥𝐚𝐧𝐦𝐚𝐧 𝐠𝐮𝐦𝐚𝐦𝐢𝐭 𝐧𝐠 𝐦𝐠𝐚 𝐩𝐚𝐧𝐝𝐚𝐠𝐝𝐚𝐠 𝐬𝐚 𝐩𝐚𝐠𝐤𝐚𝐢𝐧 𝐮𝐩𝐚𝐧𝐠 𝐦𝐚𝐧𝐚𝐭𝐢𝐥𝐢𝐧𝐠 𝐦𝐚𝐥𝐮𝐬𝐨𝐠.
¶ 𝐆𝐮𝐦𝐚𝐠𝐚𝐰𝐚 𝐤𝐚𝐦𝐢 𝐧𝐠 𝐬𝐚𝐫𝐢𝐥𝐢 𝐧𝐚𝐦𝐢𝐧𝐠 𝐦𝐠𝐚 𝐥𝐚𝐫𝐮𝐚𝐧 𝐚𝐭 𝐧𝐢𝐥𝐚𝐥𝐚𝐫𝐨 𝐚𝐧𝐠 𝐦𝐠𝐚 𝐢𝐭𝐨.
¶ 𝐀𝐧𝐠 𝐚𝐦𝐢𝐧𝐠 𝐦𝐠𝐚 𝐦𝐚𝐠𝐮𝐥𝐚𝐧𝐠 𝐚𝐲 𝐡𝐢𝐧𝐝𝐢 𝐦𝐚𝐲𝐚𝐦𝐚𝐧. 𝐁𝐢𝐧𝐢𝐠𝐲𝐚𝐧 𝐧𝐢𝐥𝐚 𝐭𝐚𝐲𝐨 𝐧𝐠 𝐩𝐚𝐠𝐦𝐚𝐦𝐚𝐡𝐚𝐥, 𝐡𝐢𝐧𝐝𝐢 𝐦𝐚𝐭𝐞𝐫𝐲𝐚𝐥 𝐧𝐚 𝐦𝐠𝐚 𝐫𝐞𝐠𝐚𝐥𝐨.
¶ 𝐇𝐢𝐧𝐝𝐢 𝐩𝐚 𝐤𝐚𝐦𝐢 𝐧𝐚𝐠𝐤𝐚𝐫𝐨𝐨𝐧 𝐧𝐠 𝐜𝐞𝐥𝐥 𝐩𝐡𝐨𝐧𝐞, 𝐃𝐕𝐃, 𝐏𝐒𝐏, 𝐠𝐚𝐦𝐞 𝐜𝐨𝐧𝐬𝐨𝐥𝐞, 𝐗𝐛𝐨𝐱, 𝐯𝐢𝐝𝐞𝐨 𝐠𝐚𝐦𝐞, 𝐏𝐂, 𝐥𝐚𝐩𝐭𝐨𝐩, 𝐢𝐧𝐭𝐞𝐫𝐧𝐞𝐭 𝐜𝐡𝐚𝐭 . . . 𝐧𝐠𝐮𝐧𝐢𝐭 𝐧𝐚𝐠𝐤𝐚𝐫𝐨𝐨𝐧 𝐤𝐚𝐦𝐢 𝐧𝐠 𝐦𝐠𝐚 𝐭𝐮𝐧𝐚𝐲 𝐧𝐚 𝐤𝐚𝐢𝐛𝐢𝐠𝐚𝐧.
¶ 𝐁𝐢𝐧𝐢𝐬𝐢𝐭𝐚 𝐧𝐚𝐦𝐢𝐧 𝐚𝐧𝐠 𝐚𝐦𝐢𝐧𝐠 𝐦𝐠𝐚 𝐤𝐚𝐢𝐛𝐢𝐠𝐚𝐧 𝐧𝐚𝐧𝐠 𝐡𝐢𝐧𝐝𝐢 𝐢𝐧𝐚𝐧𝐲𝐚𝐲𝐚𝐡𝐚𝐧 𝐚𝐭 𝐩𝐢𝐧𝐚𝐠𝐬𝐚𝐥𝐮𝐡𝐚𝐧 𝐚𝐭 𝐧𝐚𝐬𝐢𝐲𝐚𝐡𝐚𝐧 𝐬𝐚 𝐩𝐚𝐠𝐤𝐚𝐢𝐧 𝐤𝐚𝐬𝐚𝐦𝐚 𝐚𝐧𝐠 𝐤𝐚𝐧𝐢𝐥𝐚𝐧𝐠 𝐩𝐚𝐦𝐢𝐥𝐲𝐚.
𝐀𝐧𝐠 𝐦𝐠𝐚 𝐦𝐚𝐠𝐮𝐥𝐚𝐧𝐠 𝐚𝐲 𝐧𝐚𝐤𝐚𝐭𝐢𝐫𝐚 𝐬𝐚 𝐦𝐚𝐥𝐚𝐩𝐢𝐭 𝐮𝐩𝐚𝐧𝐠 𝐬𝐚𝐦𝐚𝐧𝐭𝐚𝐥𝐚𝐡𝐢𝐧 𝐚𝐧𝐠 𝐨𝐫𝐚𝐬 𝐧𝐠 𝐩𝐚𝐦𝐢𝐥𝐲𝐚.
¶ 𝐌𝐚𝐚𝐚𝐫𝐢𝐧𝐠 𝐦𝐚𝐲𝐫𝐨𝐨𝐧 𝐭𝐚𝐲𝐨𝐧𝐠 𝐦𝐠𝐚 𝐢𝐭𝐢𝐦 𝐚𝐭 𝐩𝐮𝐭𝐢 𝐧𝐚 𝐥𝐚𝐫𝐚𝐰𝐚𝐧, 𝐧𝐠𝐮𝐧𝐢𝐭 𝐦𝐚𝐚𝐚𝐫𝐢 𝐤𝐚𝐧𝐠 𝐦𝐚𝐤𝐚𝐤𝐢𝐭𝐚 𝐧𝐠 𝐦𝐠𝐚 𝐦𝐚𝐤𝐮𝐤𝐮𝐥𝐚𝐲 𝐧𝐚 𝐚𝐥𝐚𝐚𝐥𝐚 𝐬𝐚 𝐦𝐠𝐚 𝐥𝐚𝐫𝐚𝐰𝐚𝐧𝐠 𝐢𝐭𝐨.
¶ 𝐓𝐚𝐲𝐨 𝐚𝐲 𝐢𝐬𝐚𝐧𝐠 𝐧𝐚𝐭𝐚𝐭𝐚𝐧𝐠𝐢 𝐚𝐭 𝐩𝐢𝐧𝐚𝐤𝐚𝐦𝐚𝐮𝐧𝐚𝐰𝐚𝐢𝐧𝐠 𝐡𝐞𝐧𝐞𝐫𝐚𝐬𝐲𝐨𝐧, 𝐝𝐚𝐡𝐢𝐥 𝐭𝐚𝐲𝐨 𝐚𝐧𝐠 𝐡𝐮𝐥𝐢𝐧𝐠 𝐡𝐞𝐧𝐞𝐫𝐚𝐬𝐲𝐨𝐧 𝐧𝐚 𝐧𝐚𝐤𝐢𝐧𝐢𝐠 𝐬𝐚 𝐤𝐚𝐧𝐢𝐥𝐚𝐧𝐠 𝐦𝐠𝐚 𝐦𝐚𝐠𝐮𝐥𝐚𝐧𝐠.
𝐀𝐭 𝐤𝐚𝐦𝐢 𝐫𝐢𝐧 𝐚𝐧𝐠 𝐮𝐧𝐚𝐧𝐠 𝐧𝐚𝐩𝐢𝐥𝐢𝐭𝐚𝐧𝐠 𝐦𝐚𝐤𝐢𝐧𝐢𝐠 𝐬𝐚 𝐤𝐚𝐧𝐢𝐥𝐚𝐧𝐠 𝐦𝐠𝐚 𝐚𝐧𝐚𝐤.~
𝐊𝐚𝐦𝐢 𝐚𝐲 𝐥𝐢𝐦𝐢𝐭𝐚𝐝𝐨𝐧𝐠 𝐞𝐝𝐢𝐬𝐲𝐨𝐧.
𝐒𝐮𝐥𝐢𝐭𝐢𝐧 𝐦𝐨 𝐤𝐚𝐦𝐢. 𝐌𝐚𝐭𝐮𝐭𝐨 𝐦𝐮𝐥𝐚 𝐬𝐚 𝐚𝐦𝐢𝐧. 𝐊𝐚𝐦𝐢 𝐚𝐲 𝐢𝐬𝐚𝐧𝐠 𝐤𝐚𝐲𝐚𝐦𝐚𝐧𝐚𝐧 𝐧𝐚 𝐧𝐚𝐤𝐚𝐭𝐚𝐤𝐝𝐚𝐧𝐠 𝐦𝐚𝐰𝐚𝐥𝐚 𝐬𝐚 𝐥𝐚𝐥𝐨𝐧𝐠 𝐦𝐚𝐝𝐚𝐥𝐢𝐧𝐠 𝐩𝐚𝐧𝐚𝐡𝐨𝐧.
#simplelife
#motivation
#LIFEISGOOD
#creditotheownerofthisphoto
#cctophotonotmine
Friday, November 01, 2024
Kung kaya. Gawin.
Kung kaya, laging maghanda ng iba-ibang amounts ng cash gifts sa iba-ibang sobre: readyng iabot nang biglaan sa sinu mang needy or deserving na makasalubong/makita.
Japan.
Why do I like living in Japan? It's safe, it's clean, and it has order. There are very few surprises. Trains are on time. When you go to a restaurant, the food that arrives is exactly like it is pictured. The bakeries and food halls are immaculate. Shop workers are professional, have manners and take their jobs seriously – no phones in sight, or even talking to their coworkers about personal things. For the most part, the streets are spotless, especially in the suburban areas. You are unlikely to see weeds or stray rocks on the ground, let alone trash. I have heard some people say that the silent trains have no life, but as someone who values peace and quiet, it suits me perfectly. It is an OCD paradise, a place built for introverts as much as extroverts. I don't know how Tokyo manages it, but despite being one of the busiest cities in the world, I have found a calmness unmatched by anywhere else. Seeing a line of workers on the train platform today, cleaning a barrier that wasn't even that dirty to begin with, shows me a sense of pride, that every detail is important, and deserves attention and respect.
#dailylife #Tokyo #Japan #QuietMoments #IKIMASHO
11022024 sat uwi palusapis.
Mabuhay
MABUHAY EDSA BUS CAROUSEL AND PITX! 😀
The 15 peso commuter van from Market Market brought me to Guadalupe. I walked up to the MRT station, where signs guided me to the EDSA Bus Carousel. I am so happy I used this route… the bus was clean, air con, and quick. It bypasses all traffic! Only 33 peso, and I found myself being dropped right infront of Paranaque Integrated Terminal Exchange. That is 48 total… instead of a 700 peso grab.
7:13pm I left BGC, 8:44pm I was in PITX.
If I don’t have a lot of luggages… commuting from BGC could be an option from time to time. Happy to have learned a little more about the route. Also, so much respect for those who battle through commuting daily. On a side note, very happy how modern, easy to navigate, and full of food PITX is. I ate dinner, and now I am on a 100 peso bus to Maragondon.
Shoutout to all bus drivers. Please do say “Salamat” (thank you) when stepping off the bus. Without public transport drivers… it would be much worse than the already “organized chaos”.
Power On, and Safe Travels!
#BecomingFilipino