Move

 It has been a long time since I last wrote here. I must admit that being aware of data privacy and my former knack for oversharing has taken a toll on my blog writing. It used to be that people write their thoughts through blogs like this, then vlogging became the "in" thing, raking in millions for those who have lots of followers. 

Tiktok is what I like watching now, and perhaps one of these days I may have the courage to make a public tiktok. I am still not comfortable being silly in front of the camera, although i have been silly for most parts of life. I am just not comfortable having perpetual records of it (at least in the PH, since we haven't got the right to be forgotten legislated here).

There has been so much change in life these last few years. I have gotten wiser, and a bit more quiet, I guess. I have also cut off some people in my life, some have cut me off, it's ok no worries. 

Almost everything in this life is moving. Some at dizzying speed, some slower than others. 

What I am sure of is, I am making another move. The most significant moves I have done are getting back to school, getting my license to practice a profession, getting married, and now I am doing another move. 

I am both happy and terrified of this possibility, but life is all about moving. So I will move again. 

Perhaps I will make another blog entry once I have moved. I promise to post a picture. 

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I just remember, I made my first blog post in blogspot (predecessor of blogger) around 2004. I'm feeling nostalgic. So many things happened since. I am just thankful for people like you who may have read my nonsense in the past, and are reading another one of my nonsense now. 😅

Til my next blog. 

^_^

 What do I really want? 

I have been asking this question for several years now. When I was younger, the things I want are clear to me - finish school and have a job that pays well. Some of the material things, I have not achieved yet, but those essential things, those that make your life richer, I think somehow, I achieved. 

Now writing this makes me grateful. I realized that indeed, I have achieved some of the things that makes life richer. I have a loving husband, my extended family are doing well, I was able to achieve my academic and professional goals. I have visited places in my country and met some good people. I had my heartbreaks too and they made me better.  I have forgive and I have been forgiven. So what is it that makes me think of this question,  "What do I really want?" 

The question pops up whenever I feel tired doing things I am not as excited to do. Or when I do things, go to places, and deal with people I grew tired of working with.  I look inside me. Why do I feel stressed over this person? Why do I feel anxious going to these places? Why do I feel burdened by this task? When in the past I just plow on and move forward. I suddenly ask myself, is it because I am a bad person? Am I at fault that I feel this way? It is something that is not healthy. I realized that I become anxious because I do not like what I am doing. I do not want to deal with this person because I don't want to.  

It may be because I become more aware of the limited time I have. I am no longer a young 20 something who had the vision of conquering the world. I guess I have become the old person that wants to stay in quiet places, shun the noise of cities, and leave the stresses behind. I have become anxious in crowded and noisy places. I guess I have gotten more mature. While age is just a number, that number grows smaller by the day. I am burdened by the thought that I want to do so many things and have so little time and thus I achieve nothing. 

Perhaps, it is really time to look at all these things I am doing and just ask myself, what is it that I really want? 

I have been listening to others and spent time trying to gain affection, attention, and approval. 

I have broken people's expectations in the past and as a people pleaser, it was difficult and painful to be treated as if I have done something wrong just because I do not say yes to what people want me to do. 

I have learned that people, generally, regardless of religiosity, will treat you well if they need something from you. Sadly, as I grow older, people who come to me expect me to do things for them for free. Free time and effort. I don't like the idea of wasting time. Now that I know I am on limited time and I can't have wasted time back, I don't want to waste time for other people's concerns that will not benefit me. 

So I ask again, what do I really want? 

Well, what I want in this life is calm, happiness, health, and enjoyment. 

I want to be able to afford to live where there is peace and quiet, where food is healthy and abundant. I want to go and visit places when I want to. I want to spend most of my time with the ones I love and those who love me. 

My dream when I was younger was to be like the old woman who owned 2 apartment buildings in our street. Her property were spotless and she was able to provide for herself and her children. I met an old man who wore sando and shorts everyday and sat in front of his rental property, enjoying a cup of coffee in the mornings. When bills come, they don't sit near the fridge and ask themselves and God where they will get the money to pay. I want to be able to Honor God by living a happy life. I want to be able to praise and thank Him, more than ask Him "Are you still there?"

I want to be be on my hammock, enjoying fresh cold air, while I sip my tea. My husband will be there with me as we enjoy nature, music, and freedom.  I want laughter and happiness wherever I go. I want to be able make a house beautiful and pleasant.  I want to be able to say,  we have several houses, because I grew up staying in family owned house. I want to be able to go on vacation and sit on beaches not worrying about the next meal or the stresses of meeting people I don't want to deal with. I just want to be happy. Threading through life like a floating feather. I want to be someone who keeps her happiness and is surrounded by beauty and people and things she loves. I want to be that. 

Now that I have clarified what I want, I will just have to work on achieving that. This clarity is a good help to me. Thank you blogger for this exercise. 

Reblogged: How to prevent foreclosures

While browsing foreclosed property for sale by a bank, I chanced upon a condominium unit with a familiar unit number.  I checked my email and I found that the property being sold is the same property which was referred to me by its owner several years back, asking me if I could sell the unit within weeks. Since competition is tough in the area at that time with lots of development being sold, it was difficult to sell the property within the time frame provided by the client.

Now I am seeing it foreclosed and on sale.

How can a person eyeing to buy a condo unit avoid foreclosures?

First, before you buy, determine your end goal. Envision your end goal in mind. Are you buying because you want to lease? Are you buying because you are using the unit? Are you buying using bank financing or are you paying in cash? If you are paying using bank financing, how much are you supposed to be earning at the turn over date in order to pay your bank obligations?

Second, set realistic and conservative figures.
Look at your numbers and try to make assumptions based on your current or lowest income for the year. In looking at your monthly amortization payments, assume that only 1/3 of the income shall be available to pay for your monthly payments for a condo. That should be your guide as to how much you can invest for a unit of choice.

Third, check out your condo costs. You will be paying transfer fees, move in fees, and the monthly dues. Include this in your budget for the condo purchase.

Fourth, check your motivation? Are you in for the long term? Some condos are selling now for use later. You may be well off now but are you sure you are of the same financial capacity in 4 or 5 years from now? Refer to the second step and keep your numbers conservative.

Fifth, be mindful of your risk appetite. All investments have their respective risks. Make sure that you are entering an investment with open heart and mind. Set your expectations and limit the risks you can take depending on your age, current status, projected conservative earnings, and financial capacity.

Sixth, if you have already bought a property and you are sensing that you will not be able to pay within the next several months, you may: talk to the developer/seller and ask for a restructure of payment even before you default. Do not wait for a default payment and a demand letter from the developer/seller before you approach them.  The same is true with the bank. Negotiate a restructure term that is beneficial to both yourself and your bank.

Seventh, if there is already foreclosure proceedings, get a lawyer and try to pay the amount of the loan within 1 year from the time of the foreclosure sale. Buy back your property. Negotiate for a possible structure of settlement, if the bank or developer/seller will allow.

https://conveyancingph.blogspot.com/2019/03/how-to-prevent-foreclosures.html