MMFF 2016: DIE BEAUTIFUL

Every year, I spare a little of my time and my money to watch the Metro Manila Film Festival Entries. Of course, I got to choose the best movie that I think is worthy of my time and money. This year, it is that time again.... I gotta watch movies of the Metro Manila Film Festival entries.

I just watched Die Beautiful. I watched it first because I wanted to support gender equality. Die beautiful is a stereotypical story of a gayman who struggles to be accepted and to be loved by his father. A transgender woman by the name of Trisha who was raped by group of men of whom he adores. He was thrown away by his father and neglected to be a father. A son who longed for understanding. As the story progresses, Trisha gained a family and comfort outside of his own house. He persevere to become a better person. He made beauty pageant as her bread and butter. She wanted to become a beauty queen. She struggles in answering questions. In my oppinion, the reason why she struggles to answer question was because she was never supported, loved and cherished by her own family. She lacks guidance and care from her father. Her winning question at the later part of the story was "if you were given the chance to live again what would you choose and why?" A typical question in beauty contest but Trisha's answer: "If I were to die and blessed to live again, I would choose to be me, because I am the only person who can fulfill that I need to do... so I would choose, nobody, nobody, nobody but me!" (Non verbatim)

Trisha delivered the answer beautifully. She did it with full confidence. She was the winner... The beauty queen who died at her coronation day...

We all have our own battles. We sometimes win over our battles but we also have our own losses. It is how we handle our own battles that will make us what we are today.

The story line, the casting and acting was plausable. It was well crafted. As the movie has a tragic end, I was hoping there is acceptance. But sad there was none. The movie is for those who tried so hard to prove they are worthy enough to be loved by their family until their time has expired. Thats a hard fact of reality. There are still people accross the globe who struggles because they are different and maybe thats what the movie wanted to show.

Despite all these... people in the gay community find shelter and understanding from outside of their home. The role of Barbs in the story is a reflection of the second home for the LGBT community. A reflection of people who are always there to be at the side of the LGBTP who are ready to show love, care, understanding and shelter for the shattered gay men and women out there. In everyone's life... there will always be that BARBS who will always be there till they expire.

MERRY CHRISTMAS 2016

Its this time of the year again, where you see kids so happy. See them knock on doors and sing a christmas carol. You hear the never ending SA AMING BAHAY song sung happily by these kids expecting a coin from their neighbors.

As for me, I simply want to greet all of you a Merry Merry Christmas! May this season bring you joy, love and peace. Celebrate this holiday season safely and joyfuly!

The perks of being alone and single as well is youve got to be at work on this special days where you will be with your friends at work teasing and having fun while doing your work.

So as we conclude 2016, lets be merry this holiday season!

Xoxo,
Charlton D. Kis-ing

Before Applying for Housing Loan

Are you planning of taking a PAG-IBIG Housing Loan? Or an in-house Housing Loan, or bank Housing Loan? Maybe you should step back in a bit and try to see if you are ready to take one. Or you would end up being bitten by this ruthless, heartless, and rude collection agents.

I, myself was brain washed and was slightly forced to take a housing loan. Though in the beginning I was hesitant and was trying to explain that it was still too early too soon but the point is clear and agreed to take a housing loan with the following reason.

1. I am taking a housing loan because I dont have savings.

2. I am taking a housing loan because it is better to have this long term loan through Pag-ibig at least I have a house I can call my own rather than renting and can never call my own.

These were all my reason why I took a long term housing loan through Pag-ibig. Are these reason valid? Of course they are VALID because they are true in all aspect. They will only become invalid when the question to ask is are you really ready to take that loan?

My reason for taking a housing loan are all valid but it leads me to my greatest mistake as well. I wasnt ready to take the housing loan. Now, before you commit the same mistake, here's what you should take in consideration first before even thinking of having a PAG-IBIG FINANCED HOUSING LOAN.

1. Emergency Fund - you should calculate your monthly expenses. From household expenses to expenses going, during and after work including your vices then whatever is the result multiply it by eight. Or the easiest way is your current monthly income times eight. Having an emergency fund will at least secure you to be able to have funds in any case something happen to you like you'll get sick or when you lost your job. Never ever take a housing loan if you dont have this 8-month emergency fund.

2. Savings - Aside from the emergency fund, check how much savings you have. The idea is to have at least 10% of the total contract price of the house you are planning to get. Once the house gets turned over to you, am sure there would be a lot of things you would wanna do, am sure you would want to remodel the house. So you would need at least a good amount of money to have everything situated.

3. Once you have your emergency fund and your savings. Check on the value of the house and check how much monthly you would be paying. It is highly important to save up at least 70% of the contract price ready before going agreeing to a loan through PAG-IBIG. Yes, going to a long term housing loan through PAG-IBIG may sound cheap and attainable but when you compute the 30 years times your monthly payment through them boy its double the amount. In my case, the contract price is 750K pesos, my monthly is ranging from 5.5K to 6K a month after 30 years I have paid PAG-IBIG 1.7 Million pesos or more. So it will sounf like I have given PAG-IBIG 1 million pesos after 30 years. So I would advise, to pay PAG-IBIG the moment your house gets turned over to you at least 50 to 70 percent of the total contract price and have them recompute to have a lower number of years to pay. Then pay off the remaining ballance at the earliest possible time.

If you have these 3, then by all means go get a house. Course it through PAG-IBIG for a lower interest charge and have a house of your own.