Our house is currently mortgaged for 10 years. By February of next year it’s already our fifth year. My wife and I are planning to refinance our mortgage if the interest is lower than the current one we have. We’re also planning to expand our house by taking additional loan, but that’s another topic to discussed in the future.

Advantages of Mortgage Refinancing

There are many advantages to having your mortgage refinanced.  Of course, the most important and obvious reason is the lower rate you’ll enjoy.  When applied at the right time and opportunity, having a mortgage refinanced can save you a lot in the long run.  However, since timing plays a crucial role in refinancing, it’s important that you understand the factors that can affect how successfully you can take advantage of it.  So how soon can a mortgage be refinanced and should you?

The right time
Getting a mortgage is not for sissies.  Read the rest of this entry

Philippine Airlines special promo for the season is what they call “Short Term Economy class promotional fares.”  For sale and ticketing from 25 October to 30 October 2009.

Philippine Airlines Promo

Roundtrip Economy class all-in fares. Prices listed below are Exclusive of government taxes. Inclusive of in-flight meals, beverages, newspapers and on-board entertainment. Read the rest of this entry

• 2 Days of Non-Stop Learning
• 1 Keynote Address
• 4 Plenary Sessions
• 9 Break Out Sessions
• Exhibits &  Job Fair
• Sumptuous Lunch by Hizon’s Catering
• Raffle Prizes Galore
• Give Aways and Gift Items
• World Class SMX Convention Center
• and FUN! FUN! FUN!

all for P3,888!

REGISTERED KA NA BA?

3rd HR Phillipines Convention

“It’s back in Manila!”

The HR Philippines Convention will be coming to Manila again after the huge successful Convention in 2007 and in Davao in 2008 which attracted over 350 HR Professionals from leading companies.

Join the hundreds of HR Professionals who participate in the Annual HR Philippines National Convention to enhance their Read the rest of this entry

CONFINEMENTS due to leptospirosis are compensable.

Leptospirosis

This was emphasized today by Dr. Rey B. Aquino, PhilHealth President and CEO in support of President Gloria Macapagal-Arroyo’s and Health Secretary Francisco T. Duque III’s call for all-out efforts to address the increasing number of leptospirosis cases noted in hospitals, particularly in the National Capital Region, in the aftermath of typhoon Ondoy.

Noting that leptospirosis icterohemorrhagica may be classified as Case type C, Aquino said that PhilHealth members who might be admitted in Levels 3 and 4 hospitals may avail themselves of allowances for hospital room and board fees of up to P800.00 per day and allowances for drugs and medicines of up to P28,000 per single period of confinement. “They may also avail of as much as P21,000 for supplies, x-ray and other laboratory exams that may be administered during the entire period of confinement,” he said.

The PhilHealth Chief added that members may also avail of allowances for the professional fees of attending physicians at P700.00 per day, for a maximum of Read the rest of this entry

Each year, CNN gives $100,000 to the winner (from a field of ten finalists— winnowed from 9,000 nominees from all over the world) of its “Hero of the Year” award. This year, a 28-year-old Filipino, Efren Peñaflorida, made it to the top ten. (A panel of 12 well-known personalities from various fields picked the finalists. Colin Powell was among the judges this year).

Efren Penaflorida Pushing Cart

If Efren wins this year’s award (based on how many votes he gets, which will depend on us), he will be able to expand his mobile school program for the children of the slums in the Philippines.

What this young man is doing to improve the lives of the kids in the slums is truly inspiring.

Here’s the link to Efren’s story and his Dynamic Teen Company (the organization he founded). You can vote for Efren by clicking on the link found in the article. http://edition. cnn.com/2009/ LIVING/wayoflife /03/05/heroes. efren.penaflorida/index.html

Efren Teaching Street Children

Voting is open between now and Read the rest of this entry