My 4-year-old, Psalm, was diagnosed with Amoebiasis last week. It all started with frequent LBM for almost 6 times in a day. I got panicked when I noticed her stool was watery with a little mucus on it, which I found to be very unusual than her normal poop. Such manifestations of symptoms alarmed me and suspected that it might be an Amoebiasis. By then, we had her stool checked to the laboratory near us for confirmation. Please watch the video below the result of her laboratory and the medication that the doctor gave to my daughter.
Paano Gumawa ng Youtube Channel in 2021 | Step By Step Tutorial | How to Create a Youtube Channel
Paano madaling ma-discover ni Youtube kahit nagsisimula ka pa lang? In this video, I shared how to create a Youtube channel step by step using a computer or laptop. I also included search engine optimization tips to help your viewers and Youtube algorithm find your content.
Please see the tutorials below based on your needs.
How to create a Gmail account
https://www.youtube.com/watch?v=N5yUt...
00: 2:37
How to upload a profile picture (click your profile icon in the top right, then youtube studio, then click customization found on the left side menu, then click branding)
00: 2:52 How to add the channel description + Search Engine Optimization Tips (click your profile icon in the top right, then youtube studio, then click customization found on the left side menu, then click branding)
00: 3:48 How to add clickable social media links (click your profile icon in the top right, then youtube studio, then click customization found on the left side menu, then click branding)
00: 4:05 How to verify Youtube Channel
00: 4:50 How to upload the channel art
00: 4:50 How to upload the youtube subscribe button
00: 8:05 How to research for your channel keywords
00:16:50 How to add managers
00: 10:55 How to upload video + Search Engine Optimization Tips (how to add tags, youtube thumbnails, playlist, description, title, and end screen.
Thanks for watching, and don't forget to subscribe!
https://www.youtube.com/channel/UC7LT...
In 2010, I availed a housing loan thru PAG-IBIG, payable for 30 years for 5, 620 monthly. The principal amount is worth 750, 000. It means if you have that certain amount on hand, you can fully pay PAG-IBIG on the spot without waiting for 30 years.
One time, when I computed my monthly amortization, multiplied by 12 months, then multiplied by 30 years, my house would reach 2-million something. My eyes bulged out a bit. Imagine a huge difference? 750, 000, and 2 million?
I had been paying P5,620 per month for almost 4 years, and I noticed it would only deduct 500 plus from our principal amount every month. Question? Where did the 5000 pesos go? I assumed, it just went to interest and fire insurance alone. It seems like I'm just paying the interest forever. And for four (4) years of paying, the principal amount went down to only 723, 000.
A few days after contemplating, I headed to PAG-IBIG office, Davao branch, to personally talk to one of their staff to seek advice on how to lower my loan interest rate. She told me to pay the principal amount little by little so the interest would be lowered and the number of years as well.
As a Math teacher, and out of curiosity, I asked her how they computed that thing. She just said hurriedly, (since there's another person next in line) "just keep paying the principal amount on top of your monthly amortization so the Diminish Interest Rate will be reduced. Her explanation left me hanging.
In spite of the confusion, we decided to pay P275,000 to the principal amount. Then it went down to 447,000. And we waited for the SOA (statement of account) to be delivered to our home to see how much was deducted to our Principal Amount. A month later, P2, 400+ was already deducted from our principal amount instead of 500. Month by month, I noticed that the deduction was consistent as reflected again in the SOA.
Latest: Watch my video from start to end how PAG-IBIG housing loan is computed.
Watch this video on YOUTUBE, if the video is too small on your screen.
If you wish to pay the principal amount, just go to the PAG-IBIG branch near you and mention to the cashier that you are going to pay the "principal amount" then it will reflect in your receipt. Take note that you have also to pay your regular monthly amortization.
Final Thoughts
The best reason to pay off the principal amount in advance is to save money and stop paying interest. Once your house is paid in full, the money you’ve been putting toward monthly amortization becomes available for other uses. Aside from that, eliminating debts can give you peace of mind, reduce your stress, and give you happiness.
Feel free to comment below or don't hesitate to ask a question. I will try to respond the best I can.
Updated
This is just a sample Statement of Account (not mine). You can see your monthly amortization and principal amount or outstanding balance highlighted in orange. If you wish to pay the principal amount in advance, always monitor your statement of account.
In 2015 with the help of our God Almighty, our house loan was already paid off by paying the principal amount gradually. It really entails a lot of hard work and discipline especially in handling money. We really fight the temptations over instant buying just to satisfy our present self (ex latest cellphone, dress, shoes, etc.) because we set aside the money for our house.
Final Thoughts
The best reason to pay off the principal amount in advance is to save money and stop paying interest. Once your house is paid in full, the money you’ve been putting toward monthly amortization becomes available for other uses. Aside from that, eliminating debts can give you peace of mind, reduce your stress, and give you happiness.
Feel free to comment below or don't hesitate to ask a question. I will try to respond the best I can.
Disclaimer: This calculator is not from the PAG-IBIG website, however, this calculator is using a standard formula that is often used in a housing loan.
Thanks for visiting my website!
Before downloading the excel, please help my channel grow by clicking the Youtube Subscribe Button below. One of the aims of my channel is to educate people who may unaware of this process, that is why I created one of the videos "PAG-IBIG Housing Loan Computation ". I was surprised that the majority of my viewers are not aware that they can pay off their loan fast by paying the principal amount gradually. With the help of the loan calculator, it will help you plan ahead and determine your potential savings by making advance payments applied to the principal amount. Since I want to bless you, I am sharing the excel which you can see the link below. HAPPY COMPUTING! 😃😉😊
Your single click means a lot to me.
Some of My Videos You May Have Missed to Watch
This is not just a typical maja that you have tasted before. This maja is creamy and special that I served whenever we had a special occasion in our house. My visitors would always ask me how I cooked and what the ingredients were because it was so tasty and yummy. I would always answer them "secret". But now, I am so thrilled to share with you this special maja recipe which I inherited from my ninang. This is so easy to cook and you can use it for your business. Make sure that you buy the brand that I indicated below to achieve the creamy maja blanca that you are looking for.
Creamy Maja Blanca Ingredients + Cost
- 3 pcs coconut .......................................................... P90. 00
- Ram Cornstarch .......................................................P20.90
- Liberty condensed (big) ............................................P44.00
- Alpine Evap (big)..................................................... P57.00
- Ram Sweet Corn ...................................................... P31.60
- Star Margarine Classic..............................................P30.95
- Sugar White ............................................................. P16.00
- Cheese Small ............................................................ P13.30
- Rectangular Small Tubs (10 pcs ) .............................P54 Total = P 327.15
You can make 8 tubs at 100 pesos each.
Net Profit = P800 - P 327.15 = P 427.85
Prep time: 10 minutes
Cook time: 10 minutes
Watch the video from start to end for the cooking instruction.
Don't forget to subscribe to my channel .
Never thought this post about my personal experience on PAG-IBIG housing loan would get plenty of attention from my followers. In fact, I received plenty of post comments and Facebook private messages asking me these following questions.
1. How to fully pay PAG-IBIG housing loan?
2. What is the process of paying the principal payment? Do they need some more requirements from me since I am an OFW. Pwde ko bang utusan ang sister ko?
3. Hi. Bakit same parin monthly amortization mo kahit nagbayad ka na 275k in your principal amount??
4. Hi po,kapag po ba nabayaran na in full ang housing loan, ibibigay kaagad ang title ?
5. Hi po, may minimum required amount po ba yung pwedeng ibawas sa principal?
So to sum it up, I created three videos as shown below. The first video shows how I personally pay off my loan in just five years while in the second video, I answered all the questions asked in this blog. Then, the last video shows the computation of how much goes to interest and principal amount each time we pay our monthly amortization. I also explain in detail how the number of years is being reduced if we pay in advance applied to the principal amount. For example, if your loan amount is 2 million, how much you will pay in advance to lower the interest and payment terms.
Video 1: How I Paid Off My Loan in Just Five Years
Video 2: How to Fully Pay PAG-IBIG Housing Loan Q&A.
Video 3: MUST WATCH!! PAG-IBIG Housing Loan Computation using A Loan Calculator
Watch this video on YOUTUBE, if the video is too small on your screen.
I hope you find this post helpful and enlightening, don't forget to share these videos with people who may need this. Thanks for reading.
Feel free to drop questions on my channel. I will try to answer the best I can.
As a mother, I know how it feels when kids say "I'm Bored" during this time of crisis. So today, I am sharing our latest video "10 Fun Activities Using Plastic Egg " that will keep your child entertained while stuck at home. Enjoy watching!
Kids got bored during this trying time? You have no idea how to entertain them while at home? Fret not, I am sharing our 14 Pre-Writing Skills and Fine Motor Activities You Can Do at Home With Your child.
Over the past weeks, homeschooling has been a hit topic by every parent across social media. Many are afraid to send their children to traditional schools due to the fear of COVID-19, so homeschooling is only an option.
If you want to ask my opinion about homeschooling, I made a video (which is against my will since I am not used to facing a camera hehe) to answer some questions from our Facebook page followers. These are the questions I answered in this video.
✅How to start homeschooling a preschooler?
✅What is the difference between homeschooling with providers and independent homeschooling?
✅ Why I homeschool my preschooler instead of sending her to a traditional school?
✅ What are the things you need before setting up preschool at home?
I hope the video below will give you some thoughts on whether to homeschool or not your child specifically a preschooler during this trying time.
If you want to ask my opinion about homeschooling, I made a video (which is against my will since I am not used to facing a camera hehe) to answer some questions from our Facebook page followers. These are the questions I answered in this video.
✅How to start homeschooling a preschooler?
✅What is the difference between homeschooling with providers and independent homeschooling?
✅ Why I homeschool my preschooler instead of sending her to a traditional school?
✅ What are the things you need before setting up preschool at home?
I hope the video below will give you some thoughts on whether to homeschool or not your child specifically a preschooler during this trying time.
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