Archive for Bear with Me

Deal talaga!

May ongoing seat sale ngayon sa Philippine Airlines dubbed The Real Deal. Totoo nga kaya?

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Naka-schedule talaga akong mag-lakwatsa this coming May pero dahil sa nakita ko nga sa newspaper itong promo ng PAL, nag-decide ako na June (umpisa ng travel period ng promo is June 1) na lang umalis. Sayang naman kasi, ang laki ng mura ng pamasahe compared sa regular fare. Ang catch nitong promo, simula ngayon hanggang bukas lang ang selling period. Nag-tiyaga akong maghintay ng alas dose ng madaling araw para kako mauna ako at nang makapag-pa book na kaso alas tres na ng hapon, hindi pa din ako nakakapag-pa book! Ang galing noh? 15 hours na akong pabalik-balik sa website ng PAL pero hindi pa din ako pinalad. Hmm… madami sigurong naengganyo sa promo kaya overloaded ang system nila. Akala ko kanina, okay na ang online booking ko kaso wala naman akong natanggap na transaction receipt, nag-email na ako sa PAL pero hanggang ngayon, syempre, wala pa ding sagot. Nagtanong na lang tuloy ako sa aking credit card company, wala daw na-credit na transaction yung card ko sa PAL so ibig sabihin, talagang hindi pa din ako booked.

Isa pa, yung babayaran ko, may additional na taxes pa, pwera na doon yung Philippine travel tax so hindi talaga ito all-in. Pwede na din kasi mas mura pa din talaga kesa nga sa regular fare. Ang problema, ang hirap mag-book!!!!

Sana kung gagayahin ng PAL ang Cebu Pacific, siguraduhin naman nila na kaya ng system nila yung upsurge ng online traffic. Sabi ng credit card company ko, ang dami na daw nilang calls ngayong araw na ito tungkol sa mga transactions with PAL. Although lately laging late ang mga flights ng Cebu Pacific, hindi naman parusa ang online booking kahit pa ang dami ding nagpapa-book sa kanila. Ganun talaga, kagaya din lang yan ng mga mall sales, kelangan kong mag-tiyaga.

Makapagpa-book na po sana ako, please Lord!

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Ay yay yay PAGIBIG!

I applied for a housing loan with the Pagibig fund early this year and I had a very unpleasant experience with them. It started when the appraiser reported that I cannot borrow the total amount of the house I wanted to buy because based on my income tax return, I wouldn’t be able to pay for it. This caught me off guard. How come another buyer who works as a messenger at a pharmaceutical company was loaned the whole amount for his house while I cannot? I was approved for only 25% of the amount I was applying for.

As  physicians, our practice is considered a business,  a sole proprietorship so we are allowed to declare all our overhead expenses. Although I do not actually pay rent and electricity, I have to buy my vaccine, the syringes I use, cotton balls, etc. I also attend lots of unsponsored conferences to update myself. I pay for gas to go to my clinic, to the hospital. I had to replace the earpiece of my stethoscope because it’s torn already. I have to buy new books, again to update myself. And I am allowed to declare all that as an expense of my business.  There is also the depreciation of all the clinic’s assests. This is really all about accounting but what does it all boil down to? From what I understand, the net income that appears at the end of my ITR plus the depreciation is already my savings. It means that if my net income is for example Php 50,000 and the depreciation is php 190,000 then my savings is Php 240,000 for 1 year which is the amount that they should be considering for my loan application. From that, using the table that Pagibig Fund provided, I am eligible for a loan amount if Php 800,000 which is actually the amount I was trying to loan not the 25% they are loaning me.

My developer asked for an explanation fo this and asked for their guidelines in cases like mine about a month ago. Earlier today,  someone from Pagibig called me to tell me that upon reevaluation of my loan application, adding the depreciation, I am now approved for the amount of Php 800,000. WHAT? Upon reconsideration??? They should have approved the same amount in the very first place, no reevaluationtion needed. I was even insulted when I told the lady I was talking to that “kasama naman kasi talaga dapat yung depreciation di ba?” and she answered me with “kung may background ka sa accounting, simple lang naman yun eh”. Huh? Wala nga naman akong background sa accounting so hindi ko sya maiintindihan. But did she answer my question? No, she only evaded it. Maybe she also does not have a background in accounting. Does this mean that  my colleagues (who will also be applying for a housing loan from them) will also not be approved? The lady said that if they do not declare their income, they will not also be approved. Ibig sabihin, hindi pala ako nag-declare ng tamang income ko? Hmm… naging BIR pa sila ngayon.

Applying for a loan from the Pagibig Fund is too complicated. If I had known this, I would’ve just loaned from a private bank. I just wanted to use my HMDF contributions that is why I applied for a loan from them. It seems that Pagibig is only for employees and rich business owners not for a simple business owner like me. If that is the case then contributions to the fund should not be compulsory. Otherwise they should have definite guidelines on how to deal with borrowers like us. Or is this just an overview on the part of the evaluators? If that is the case then they should have said so and shut up to save face  instead of saying a lot of things that makes them look more like id***s.

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I Wish

I wish I had computer chips in my brains so that I can remember everything

I wish I had the heart of a saint so that I can be good to everyone

I wish I am a genius so that I can solve any problem

I wish I had wings so that I can fly away from it all

I wish I had a switch so that I can turn my feelings on and off

I wish I am perfect so that I can do everything right

I wish I lived in a perfect world so that all I have wished for will come true.

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I don’t owe you anything!

Just because fate have given us different paths doesn’t mean that you are more superior than me.

Just because you see me alone doesn’t mean that I am sad.

Just because you feel that your life is complete doesn’t mean that mine isn’t.

Just because I don’t tell you anything doesn’t mean I don’t have a life.

Just because we have been friends since way back doesn’t mean I have to treat you like royalty.

I have tried to be patient but you keep doing it.

I do not owe you anything so stop acting like you own my time!

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Time Machine


Kung may time machine ako, babalikan ko ang aking PAGKABATA kung kailan:

nasasaktan lamang ako kapag nadadapa tuwing nakikipaglaro

kumakain ako hangga’t gusto ko

masaya na ako sa isang plastik na luto-lutuan

namamasyal ako kasama ng buong pamilya ko

hindi ko kailangang intindihin ang pagbabayag ng credit card

hindi ako nag-aalala sa aking pasyente

hindi ko kailangang magdesisyon kung saan ba ako dapat

Babalalik ako sa aking pagkabata kung kailan hindi kailangang isipin kung ano ang tama at mali.

Babalik ako sa aking pagkabata kung kailan hindi kumplikado ang buhay.

Kung may time machine ako, lilipad ako dun sa panahong alam ko na ang lahat ng sagot sa aking mga katanungan.

Babalik ako dun sa panahong masasabi kong “Ah, a job well done, a life well lived!”

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Post Valentine Thought

Katibawasan Falls

If love is such a good thing then can you explain why a love as strong and as beautiful as what I feel can be so wrong? And why do I always feel like I’m in a roller coaster ride?

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Heto na naman kami!

January na naman. As usual, oras na naman ng mga lakaran ng business permit, professional tax, baranggay clearance at kung ano-ano pang mga tax at permit dyan. Mahaba na naman ang pila at siksikan na naman ang mga tao sa mga City Hall. Yung may mga negosyo at mga clinic, alam ko you know what I’m talking about.

I have written a post about this already in my old blog. Last year, I wasn’t spared of the difficulty of getting a business permit for my clinic; same old unreasonable requirements but I just bore it with a shrug. This year though, hindi ko alam kung kaya ko pa din balewalain ito…

Photobucket

Sabi ng assessor dun sa secretary namin na naglalakad ng papers, may medical tourism na daw kasi kaya may Tourism Fee na din. Wala ito last year at sabi nga ng assessor ay this year lang daw ito inumpisahan.

Medical tourism is the act of traveling to other countries to obtain medical, dental, and surgical care.”

Philippine Medical Tourism

“…. services typically include elective procedures as well as complex specialized surgery such as joint replacement (knee/hip) cardiac surgery, dental surgery and cosmetic surgeries”

Wikipedia

Teka lang, the last time I looked, Pediatrics ang nakalagay sa Diploma ko at hindi surgery. Wala din akong accreditation from any international healthcare accreditation body. Hindi din tourist destination iyong location ng clinic ko at malabong maging tourist destination. Napakaliit din ng clinic ko para mag-accomodate ng mga turista na pwedeng pumunta.

Kung meron lang makakapagpaliwanag sa akin kung saan nanggaling at para saan itong Tourism Fee, maaari ko sigurong pag-isipan kung magbabayad ba ako o hindi ng Php 1,000. As it is, walang maayos na paliwanag tungkol sa fee na ito. Malaki-laki ang binabayaran ko palagi sa mga permits kasi may baranggay clearance, garbage tax, fire clearance, etc., at maski iyong paglalagay ng karatula ng clinic may bayad din. Para sa akin unreasonable at inappropriate itong sinisingil na ito sa akin kasi hindi naman ako involved sa medical tourism kaya siguro hindi ako dapat magbayad nito.

Nagtatanong lang naman po ako…

Update:

Nagbabasa kaya ng blog ko ang mga taga City Hall? Nagtanong kasi ulit kanina iyong secretary namin kung para saan iyong Tourism fee… SURPRISE!!! Tinanggal daw nung assessor yung Php1,000. Mabuti naman! Kaya lang, ang laki pa rin talaga ng babayaran ko this year.

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