Sunday, April 01, 2018

Why am I even Here?

Have you ever asked yourself why you are in this world?
Have you ever asked yourself what is the purpose of your life?
Do you sometimes feel that your life feels meaningless or empty?         
                                                                                                                    
A seminarian felt lazy one Saturday morning. Bro. JP (not his real name) felt hesitant to go to XXXX Hospital.

Every week, he would be excited and enthusiastic about his weekly visitation of the sick.

But not that day.

He was not in the mood. He felt sluggish, tired, and heavy.

You see, every Saturday, seminarians are assigned to different hospital wards to act as orderlies, nurses, and messengers of God’s love for the sick and the abandoned.

“I really don’t want to go. Just let me be. Just for today,” Bro. JP pleaded with his co-seminarians. But they forced him to go with them.

Seminarians would be assigned to the men’s ward, women’s ward, and elderlies’ ward. That time, Bro. JP was assigned to the children’s ward.

When he walked into the room, he saw 10 beds to his left and 10 beds to his right. The children were all looking at him.
There was one boy, probably, 10-11 years old who was crying profusely. His loud cry bounced off the walls of the room and echoed through the hallways of the hospital.

So, instead of starting to play with the child right in front of him as he would always do, he chose to walk across the aisle and approached the crying boy. His face was so covered with tears that he could barely see Bro. JP coming.

As he went near him, he saw that the boy’s hands have enveloped his tummy.  He was in severe pain.

“Hello! I’m Bro. JP, anong pangalan mo?” (I’m Bro. JP, what’s your name?)

He got his white handkerchief from his pocket and slowly wiped the boy’s tears.

The boy answered, “Adrian po.”

“Why are you crying?”

“Ang sakit po ng tiyan ko.” (My stomach is aching.)

“Would you like some food?”

The boy just nodded.

So, Bro. JP hurriedly walked out the door and bought some food. He gave it to Adrian and told him funny stories.

He later found out from the hospital’s personnel that Adrian has been living alone, and had to scavenge for food to survive. Over time, his ulcer worsened until they discovered that he had cancer of the stomach.

As Adrian started to smile, Bro. JP thought:  “ Kids need to play. So, he thought of bringing toys to the children’s ward the following week.

The following day, he started to list down all the toys and food that they will bring.  He thought specifically of Adrian.

But, that night, he received a call from the hospital. It was the attending nurse of Adrian.

“Adrian went back to his creator this afternoon,” said the nurse.

“I am calling to thank you for visiting him yesterday because it was Adrian’s last request.

“No one, not even a single relative visited him. Even his own parents have abandoned him.

“Adrian told me that during your visit,  he felt that God loved him through you. He said: “God sent me Bro. JP to show His love and mercy.”

“ Adrian wanted you to know that he was very happy that you came that day and that your stories were really funny.”

Bro. JP was dumbfounded.


“What if I allowed myself to be lazy that day? What if they did not force me to go to the hospital?” he thought to himself.


Suddenly, it dawned on him.  “This is my purpose in life: to give joy to kids like Adrian, and to bring them closer to the Lord.


After I heard this story from a  parish priest's homily one Sunday, I started to ask myself what my purpose was.


These are only roles that I have taken on. These are not my purposes in life.


As Holy Week approaches, I am once more reminded of how I am usually consumed by my own selfishness while performing these roles.


I would be in the same room with my children or my wife but my full attention would be on my gadgets.  


Unlike most people, I do not even de-stress by watching funny videos. instead of having a conversation with my loved ones, I would be working, working, and working or,  learning, learning, and learning.


And, after a hard day’s work,  I would sometimes feel empty. I would ask myself, “Why am I doing this again?

“When can I stop working?

“When can all these tasks be finished?”




We decided that we will not stay home because all of us will just do what we would usually do: some would play games, some would watch TV and I would work.


We also said “no” to crowded, touristy places as the crazy frenzy will stress us out even more.   


This year, we decided to really rest and be present in the company of one another.  Surely, in homes of business owners like us, our conversations will not veer away from topics involving the businesses.  And, this is okay.


We can still have meaningful conversations.  We can help create plans, discuss reflections, and support one another.


We can help one another feel that they are loved by God through us.


For me, Holy Week is time to give value to the people who matter to us the most. It is time to slow down and reflect on our lives, and our relationships.


As we do so, may we all find fulfillment and the answer to the questions like “Why am I even here?”

Saturday, March 31, 2018

Guide on How to Compute SSS Monthly Pension


Guide on How to Compute SSS Monthly Pension

Wondering how much will you get from SSS contribution when you retire? Based from my research, the amount of monthly pension depends on contribution and time. Question is, is this monthly pension enough at the time you retire?

Retirement benefit is a cash benefit either in monthly pension or lump sum paid to a member who can no longer work due to old age. 


Qualifications
·         A member who is 60 years old, separated form employment or ceased to be self-employed, and has paid at least 120 monthly contributions prior to the semester of retirement. 
·         A member who is 65 years old whether employed or not and has paid at least 120 monthly contributions prior to the semester of retirement. 
For Underground Mine workers: 
·         Has reached the age of 55 years old and is an underground mine worker for at least 5 years (either continuous or accumulated) prior to the semester of retirement but whose actual date of retirement is not earlier than March 13, 1998; separated from employment or in the case of self-employed, has ceased self-employment, and has paid at least 120 monthly contributions prior to the semester of retirement. 
·         Has reached the age of 60 years old whether employed or not. 
Types of Retirement Benefits
Monthly Pension
The monthly pension is a lifetime cash benefit paid to a retiree who has paid at least 120 monthly contributions to the SSS prior to the semester of retirement. 


Lump Sum
The lump sum amount is granted to a retiree who has not paid the required 120 monthly contributions. It is equal to the total contributions paid by the member and by the employer including interest. 

In this post, I will be discussing the monthly pension calculation only.


Monthly Pension
Benefit Computation 
The monthly pension depends on the member's paid contributions, his credited years of service (CYS), and the number of his dependent minor children that must not exceed five. The monthly pension will be the highest amount resulting from either one of these three pension formulae:
1.   the sum of P300 plus 20 percent of the average monthly salary credit plus two percent of the average monthly salary credit for each credited year of service (CYS) in excess of ten years; or
2.   forty (40) percent of the average monthly salary credit; or
3.   P1,200, if the CYS is at least 10 but less than 20; or P2,400, if the CYS is 20 or more. 
The monthly pension is paid for not less than 60 months.
A member who retires after age 60 with a total of 120 monthly contributions may be qualified to a monthly pension based on whichever is higher of the following:

·         the monthly pension computed at the earliest time the member could have retired had been separated from employment or ceased to be self-employed plus all adjustments thereto; or
·         the monthly pension computed at the time when the member actually retires.
A pensioner who retires more than once shall be entitled to the higher of:

·         the monthly pension computed for the first retirement claim; or
·         the re-computed monthly pension for the new claim
To learn more about SSS Retirement, click here .
Illustration
An employed SSS member with monthly salary of P 30,000.00 and is now 60 years old is eligible to retire after working for 30 years.

Referring to SSS table of contribution, the retiree's contribution is P 581.30 and P 1,208.70 for his employer's contribution. Total contribution of P 1,790.00 per month. This total amount is his average monthly contribution. Thus, his average monthly salary credit (AMSC) falls to P 16,000.00.
 



Average total contribution is P 1,790.00 x 30 years x 12 months = P 644,400.00. 

Method 1
Monthly SSS Pension = (AMSC) 20% + (AMSC) 2% for year of service in excess of 10 years + PHP300 
Monthly SSS Pension = (P 16,000*20%) + (P 16,000*2%*20 years) + P 300
Monthly SSS Pension = P 3,200 + P 6,400 + P 300
Monthly SSS Pension = P 9,900.00
Method 2
Forty percent (40%) of the average monthly salary credit 

Monthly SSS Pension = P 16,000 * 40%

Monthly SSS Pension = P 6,400.00
Method 3
P 1,200, provided that the credited years of service (CYS) is at least 10 or more but less than 20 or P 2,400, if the credited years of service CYS is 20 or more. 

Monthly SSS Pension = P 2,400.00 since he has more than 20 credited years of service.


The highest amount among the three methods of computation will be the retiree's monthly pension. Thus, the first computation yields as the highest with P 9,900.00. His monthly pension can be based on this amount. 


For him to break-even in his contributions, it will take for at least 5.40 years (65.1 months) to fully benefit from the pension assuming he has not used any of his SSS benefits.



Check out also our online SSS Pension calculator here.

Do you think this amount is enough for your retirement? Share your thoughts on the comment box. :


Sunday, March 25, 2018

Building your house.

Life is a do it yourself project.Your attitude, and the choices you make today, help build the house you will live in tomorrow. Therefore. Build wisely. 

Always do your best as God will always reward in so many ways.

Thursday, March 22, 2018

Monday, March 19, 2018

Make it a habit to drink 12 glasses of water everyday.

Why? It cleans your internal body like you are taking a bath where you cleans your external body.

Monday, March 05, 2018

HOW TO BE DEBT-FREE “The borrower is a servant to the lender.” – Proverbs 22:7

HOW TO BE DEBT-FREE
“The borrower is a servant to the lender.” – Proverbs 22:7

Think about it: When you borrow, you become a servant
to a bank, a business, a family member, a friend—whoever you
borrowed money from. The moment you asked money from
them, they put conditions on what you can do and what you
can’t do. This makes you a servant to them. We should never
be a servant to anyone. We are to be servants to God and Him
alone.
That’s why the Bible teaches us to avoid debt.
The Bible is very clear that you can get out of debt. But
God’s Word does not promise that you can get out of debt
quickly.
Remember, God is a God of the free. He wants you to be
free not just from sin, but also from financial debt.
God’s will for His people is to live without financial stress and worry.

Friday, February 16, 2018

Friday, February 09, 2018

Wednesday, February 07, 2018

Thursday, February 01, 2018

Gusto ko ba?

1. Gusto ko ba?


2. Kailangan ko ba?

3. Kaya ko ba?

4. Gusto ba ng Diyos?

Pag oo lahat ang sagot mo lumarga ka...

Learn the 70-30% rule in your income.

10% - tithes (ika pu)
10% - savings
10% - investment ( stocks, mutual fund)

70% - live in this income. Learn to budget. Don't buy what you don't want if you don't have extra money.


Tuesday, August 08, 2017

Have time to talk to God.

Everyday in our busy life let's spent a time to have a talk to God.

Friday, July 28, 2017

How to apply for meralco residential

Requirements


Applying can be easy. Start off by submitting the following:



1.Your Meralco application form, which you may download here or get at any Meralco Branch Office and in selected Bayad Center

2.Original Copy of wiring permit(Wiring permits can be secured from the office of the building official in your respective city or municipality)

3.Original copies and Photocopies of the following documents:

•One Valid ID

•Examples are Driver’s License, SSS, GSIS, TIN Card, Passport, Philhealth, PRC, Firearm License, NBI Clearance or Barangay Certificate with picture

•Proof of Ownership / Occupancy

•Examples are Transfer Certificate of Title, Deed of Sale or Contract of Lease

•Notarized Undertaking from the Building Owner (if you want the account to be named after you).

•Click this link for the downloadable form.

4.Bill Deposit

The bill deposit is equivalent to one month’s billing. Please call the Meralco Call Center at 16211 or visit the Branch nearest you to get an estimate.




After you have prepared the requirements, please visit the Branch to start the application process–it’s that simple!



Step-by-Step Process

Do you have all your required documents ready? Here’s what you need to do next:



1.Submit the application form and the required documents. Note you must draw the location sketch.

2.Get a Service Application Number. This would be your reference whenever you call the branch or Call Center to inquire about your application. Note: Meralco personnel will visit the area 3 to 4 days.



REMEMBER: If necessary, the branch will survey your area to check its conditions. Based on these findings, the Branch might require other documents.

3.Pay your Bill Deposit = Php1480.

4.Sign the Electric Service Contract. The contract shall only take effect after the energization of your service.

5.Get the meter socket. A meter socket must first be issued by your Branch before you can construct the service entrance. The Branch shall provide you a Service Application Brochure for your step-by-step reference.

6.Construct the Service Entrance. Click this link for a downloadable copy of the Service Entrance diagram, which indicates the standard requirements of Meralco. REMEMBER: Ensure that you use the correct materials and that the construction follows the Meralco standard.

7.Call the branch or the Meralco Call Center after you have installed the meter socket, and give your Service Application Number. Shortly after your call, the Branch will send a Field Representative to check your service entrance.

The Field Representative will give you a yellow card, which will state if your service entrance installation is approved or not. If not approved, the yellow card will also indicate the necessary actions for correcting the installation.



REMEMBER: If there is something that needs revision in the installation, ensure that the recommendation of the Meralco Field Representative (written in the yellow card) is followed. Don’t forget to inform the branch or the Meralco Call Center after the installation has been corrected. The Branch will again send its Field Representative to check on the service entrance.

8.Submit the Certificate of Final Electrical Inspection (CFEI) to the Branch.



After your installation has been approved by the Field Representative, secure a CFEI from your respective city hall or municipal hall, and submit it to the branch.

9.Enjoy the benefits of electricity!

Your meter will be installed in 2 to 3 working days, and your service entrance will be energized in your or your representative’s presence. Congratulations, you are now a beloved Meralco consumer!




How to apply for new residential connection?

1. Bring photo copy of your land title. Go to nearest Meralco branch and fill-up application form and draw the location where they will inspect the possibility of new residential connection.
2. Meralco will give you printed application form(orange) as your copy.
3. Meralco will insect the area if it is okay for new connection.
4. If okay they will provide a yellow card as proof okay for connection. And they will advise you where you will build your meter base.
5. You will return to Meralco; present the yellow card. Meralco will give you a meter base (Php1480.00).
6. You will contact your electrician to install the meter base.(Php 3,500.00 material and labor cost.
7. You will go back to Meralco to inform them that your meter base is already installed and ready for inspection. Meralco will give you their contact no. to follow-up them 3 to 4 working days.
Stay healthy always smile laugh and eat a balance diet. Always pray and be a blessing to others....