Sunday, August 28, 2011

Still technically homeless

Almost all Pinoys dream of one day owning their own hearth and home. But sadly, it's a difficult dream to achieve. I've been looking at ads, and if I find something that's suitable for our small family, it's out of our financial reach, even if I check city payday loans, PAG-IBIG loans or bank loans. Sigh.  If I find something that's within reach, I'd find that it's located far away from the city, far from our work and our kid's school.  Still not a practical option since we'll be spending a lot for gasoline (whose prices seem to be always moving UP) and toll (and they now impose MORE taxes.  Tsk tsk tsk.

So now, living with relatives, while needing to have to swallow some pride and to give up on decision making, is still the best option for now. Although if we find a place that's within our financial capacity and with a reasonable location, we'll get it.

Friday, August 19, 2011

I want to record TV programs but how?

I sometimes wish that we had one of these digital converters! It will be very useful for us. My brother used our VHS before, using old tapes over and over again, but now, our recorder/player has broken down and I don't know any place where it can be repaired.

My husband loves some TV shows like NCIS and some TV specials but he doesn't get to watch them. For several reasons -- the kids hog the TV, my little boy has to do his homework or study for his test, the program plays at an inconvenient time.

My kids also like certain cartoons, but I would really like to limit them to just a few shows and of course, if homework and tests are going to be done, TV will have to be deferred. We tried looking for DVDs of his favorite shows, but they don't seem to be available locally AND they are really expensive.

Maybe it will be more affordable in the months or years to come.  We'll wait for the time when we can finally afford them.  (Or if somebody has an idea where to buy this cheaply, please tell me.)

Thursday, August 11, 2011

Getting insurance early?

Do you know that insurance companies ask for more premiums if the person who wants to be insured is classified as a high risk life insurance case? For example, smokers command higher premiums than non smokers; the elderly also get their insurance premiums higher than those in their twenties, and people in high risk occupations like soldiers, policemen, firemen and others who have a higher chance of meeting an untimely death would have a more difficult time finding affordable insurance.

That's the only reason I could think of if you're getting whole life insurance for minors -- if the occupation that they desire would be classified as a high risk. If, for example, my kid becomes a soldier (but, dear Lord, I really hope not), I'd get a whole life insurance for him as early as high school so that he wouldn't be saddled with high insurance premiums in case something happens to him. We all know that life insurance benefits only the people left behind. And if someone is in the high risk group, there's a bigger chance of leaving behind people who depend on you.

Otherwise, for the usual groups, I wouldn't really recommend getting life insurance unless other people depend on you, like your spouse and kids.

I don't believe in getting insurance for small children, since they really don't have a big chance of dying (knock on wood) and, generally, instead of providing for family, they are the ones provided for.  Their untimely death would usually not mean financial dire straits, so getting insurance is usually not very practical at this stage.

About Me

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A part time ophthalmologist, part time micro business owner, part time graduate student and FULL TIME MOM struggling to find balance in the confusing world of multitasking :)