Mommy Pehpot, Author at Mommy Pehpot

5 Things You Need To Know Before Buying Pre-Owned House

A property seeker is always hesitant when it comes to buying second-hand homes. This is because such properties could eventually cost you a fortune in renovations if you are not cautious.

Spare yourself from possible buyer’s remorse. PSBank, through its “Good to Know” campaign, help you spot a gem among wide choices of pre-owned houses with these tips:

Know where to look. The best places to find pre-owned real estate properties for sale are banks and local government institutions such as the Home Development Mutual Fund or PAG-IBIG. Check out their website and you’ll find the best property deals. There are also property auctions that these institutions organize. Some properties not normally listed in their websites are being auctioned here.

Schedule a visit or inspection. Determine the real condition of the house yourself by asking a professional inspector for help. Check if the basic structure, floor plan and infrastructure remain sturdy and durable. Ensure that there’s electrical and plumbing system installed, rooms are well-proportioned and there are no bad cracks or serious leaks. A great buy would be one with no major fixes and you’ll be able to move in to your new home soon.

Consider the location. The location is just as important as the house itself. If it is located within a good school system, a nearby transportation, market or grocery, then finding a home priced to accommodate the necessary updates could be a good deal.

Verify documents. Check the title and latest property tax receipt. The title will not only tell you how old the property is but it will also let you know if the property had a chain of previous owners.

Check the market value of the property. To ensure that you will not be paying more than you should, go through the current price trends and get an estimate or seek an expert to help you evaluate the second hand property against similar properties in the area.

Buying an excellent pre-owned property or a second-hand home entails lots of patience and due diligence. However, getting it for a bargain price should be more than enough motivation and be able to convince you that what you purchased is more than what you paid for. You really just need to know where to look.

PSBank is currently offering significant discount on its already low-priced pre-owned real estate properties for sale.

Buyers looking for quality and affordable pre-owned condominium units, houses and/or lots will enjoy 20% to 25% discount on selected properties when they purchase from December 4, 2018 to March 4, 2019.

Aside from this great deal, you are assured of “clean” pre-owned properties for sale. This means that each property in PSBank’s list of Real Estate Properties for Sale has a registered title and a tax declaration consolidated under the Bank’s name. Plus, all properties are free from any legal issues and are already in the possession of the Bank.

To avail of the promo, you simply need to submit a completely filled-out Offer to Buy form and Buyer’s Information Sheet to PSBank Asset Sales Department, at any nearest PSBank branch, or via the Bank’s accredited brokers. You also have the option to make their purchase in cash or by applying for a PSBank Home Loan with Prime Rebate.

PSBank Home Loan with Prime Rebate offers low interest rates, convenient payment modes, and flexible payment terms. Applicants will also get a credit decision within five banking days or less via SMS. Borrowers can also save money by paying early or before the due date or by paying more than their monthly loan amortization. PSBank Home Loan has the Prime Rebate feature allowing home loan clients to earn rebates in the form of “interest discount” on any advance or excess payments made on the loan. Over time, clients could use the rebates to lower the loan principal, shorten the loan term, or even both.

Check out the list of properties and download the forms at www.psbank.coml.ph/propertiesforsale.

80th Birthday Cake Design For Male

My Father in law turned 80 this year and I volunteered myself in the cake department. I would love to create one or bake one but time is not on my side.. as well as creativity. It actually took me a while researching for the best 80th Birthday Cake Design For Male. I was ready to order a classic birthday cake for male look (think of blue, blue, and well, blue) but when my sisters in law mentioned that our father loves billiards, I knew that would be our cake.

Daily VLOG for my FIL’s 80th Birthday Celebration

Ordered this fondant billiards themed cake from SamThing Baked (click for their FB page), a reco from a mommy group where I am a member. Ordered a fondant cake plus 80 cupcakes and paid 5210 pesos for all, including the 5 tier cake tower. The cake was only 2000 pesos while the cupcakes where 2660 for 80 pcs (additional cost for the printed topper). The flavor of the cake is chocolate and the cupcake is red velvet.

My transaction with SamThing Baked is really smooth, had to commend the owner for their patience because as I have mention, our decision process for the design took long. She’s very accommodating and the taste? I love the cupcake, just the right amount of icing (not too sweet too). If I will have a party again in Caloocan or Manila area, I will definitely order again from SamThing Baked.

Deworming Myths and Facts

When you hear the word deworming or PURGA, what is the first thing that comes into your mind? Honestly, mine would be poor hygiene. Yung tipong hindi naliligo araw-araw at madudungis na bata, ganyang level of poor hygiene. Pero I remembered when I was young, may lumabas na bulate sa akin. And I know I don’t have poor hygiene, takot ko lang sa lola ko kung hindi ako maligo. So it seems like, hindi lang poor hygiene ang source of intestine worms. And I discovered some more Deworming Myths and Facts.

Deworming Myths and Facts

MYTH: Worms can only be obtained with having poor hygiene.

Akala ng iba katulad ko, sa poor hygiene lang nakukuha ang worms. It is a misconception because worms are everywhere. It can contaminate your home and public areas like schools and playgrounds.

Contaminated water is also one of the sources of worms, as well as raw or uncooked food. And it can be easily passed around! Ang worms ay napapapass-on.

MYTH: You can deworm without doctor’s advice.

NO, you cannot deworm without asking advice from your doctor. You need a doctor to asses the child if they need deworming. The doctor will asses the child based on their physical look, their weight and your concerns. Some kids show clear signs that they need deworming but some don’t.

Ask your pedia about deworming if it is something that you should worry about.

FACT: ADULTS need deworming too.

Yes, not only kids need it. Worms are very common to kids but it does not mean that adults don’t have it too. What are the signs of worms in stomach?

Weight loss is the number one symptoms of worms in stomach.
Weakness and fatigue
Diarrhea
Change in appetite (pwedeng laging gutom or feeling laging busog)

If you suspect worms in your kids’ stomach, ask your pedia too if you need to deworm. Given that worms can be easily passed, it can be that you’re the source of your kids’ worms.

FACT: DEWORMING MEDS

Most people are afraid of deworming because of the fear of worms coming out wrong. Fact is, each deworming meds is different. That’s where you need to take extra precautions. Look for a dewormer that will prevent it from happening.

Antiox works by preventing worms from absorbing sugars which they need to survive. This action causes the worms to die. After treatment of Mebendazole (Antiox), worms will not migrate to other parts of the body.

MYTH: There is no danger kung hindi mag deworm.

Worms can rob the health of our family. It is not true na walang danger kung hindi mag deworm ang mga bata or mga adults.

What are the dangers or risk kung hindi ma purga ang bata? It can stunt their growth and it can affect their mental performance. A child with worms are always sick and with compromised immune system. Kawawa talaga ang bata kase magiging sakitin na nga, hindi pa nila ma aabsorb ng maayos ang mga nutrients sa mga kinakain nila.

For adults naman, it can affect your daily activity kase feeling mo lagi kang pagod. It also compromises your immune system kase you’re nutrients absorption is greatly affected. And of course, you can easily pass it on to your kids. Pinaka nakaka shookt yan!

And with these health risks and dangers that worms can bring to ur family, Antiox champions deworming for families. Unlike other deworming treatments, Antiox is a brand that is not only for kids, but is intended for every member of the family.

As a mom, it is our responsibility to make sure that our family is healthy. And I know how we all strive hard to give the best protection to our family. Antiox knows that and is one with us in making sure that our family is totally healthy. Together, let’s make every Filipino home a worm-free family. With Antiox, a worm-free family means a worm-free community.