Monday, May 25, 2020

Plants Versus Pets: The Challenges of Urban Gardening

Wazzup Pilipinas!

Pahamak yung pusa namin! Nabali yung pinaka main branch ng ampalaya eh ang haba na. Sayang!

Mukhang gugulayin ko na lang yung mga dahon bukas. Munggong may ampalaya leaves?

Ganoon talaga! Ganyan ang buhay parang life. Back to start uli. Magpatubo uli bukas.

Ano naman kayang luto gagawin ko sa pusa? Lol!

Nawiwili akong magtanim ...lahat ng seeds from kitchen scraps like veggies like bell peppers, ampalaya, tomatoes, sometimes iniisip ko pati na rin fruits kaso karamihan puno kaya malabo for a condo type residential unit. No space and soil big enough to grow trees, and the association would not allow it, just as they refused to have us install satellite dishes as they would make the building look ugly.

Halos lahat ng kamatis seeds na itinapon ko sa mga paso ay tumubo kaya siksikan tuloy sila everywhere

Pero yung mga sili from all kinds ay wala yatang nagparamdam.

I joined a Facebook group called Manila Grows Food, which inspired me more to pursue this interest. Then I also joined other groups like Philippine Urban Gardening, the Hydroponics Philippines when I got curious of this alternative way to plant.

I started with Kratky method of hydroponics usings styroboxes as planters containing liquid nutrient solutions instead of soil. There are other types of hydroponics using pumps to circulate water through pipes, then others like aerophonics and aquaphonics, and similar stuff.

Growing veggies using nutrient solution in refurbished styrobox ng grapes would be the cheaper and less hassle method

I started with pechay and mustasa, planning to follow with lettuce, but I guess rainy season is already here. There won't enough sun, and the rain will dilute the nutrient solution, and though the system can be moved inside and use grow lights as a replacement to sunlight, I don't have the space and the investment may not be worth it if the cost of the lighting system would not be justified by the harvest.

Add the fact that our cats will continue to be a threat to our garden. I can't guard the veggies all day and night, and the limited space prevents me to setup barricades to protect the small garden.

Now I got this comment when I posted the styrobox setup:
"for the amount of space your styro box is taking up, you could have 30 normal plants growing in dirt with the same amount of water usage...wasted space...those plants grow upward, consider growing something that goes carrots"

True, the challenge is soil is not easily
accessible unless we buy, quite heavy to bring up to our floor, and still you have to keep it fertilized and pest-free. On another part of our place are pots with veggies growing on soil. Just experimenting on this setup which uses the liquid nutrient solution, which is tidier, and less work. Though, I'm just doing this to keep busy and learn something new while I let this quarantine pass. Those posts on the urban gardening and hydroponics groups are inspiring.

I also planted some veggies at our other home but this quarantine kept us in just one location. Now I'm wondering if they survived by just getting water from the rain alone.

The other house's fence was padlocked so we couldn't ask the neighbors to water our plants. We'll try to go there one of these days now that they've shifted the Rizal province to General Community Quarantine, but just for a short visit.

The other house does not have any pets so it's safer for veggies.

Stray cats frequent our place in Pasig because we feed them our food scrap. We provided a food bowl.outside where we put all our edible food waste that they could eat. Now I'm thinking of stopping so they would no longer come. Am I bad for thinking that?

Five new Pinoy Films to launch on Netflix this June to celebrate Independence Day in the Philippines

Wazzup Pilipinas!

Netflix announced a new slate of beloved and critically-acclaimed Pinoy films across a variety of genres - from horror, comedy, to critically-acclaimed drama. Partnering with leading production studios, including Viva, ERJ Found Films, Black Cap Pictures and Changhe Films, the latest lineup opens Netflix members to a world of diverse storytelling from the Philippines.

“We are constantly amazed by the creativity of storytellers and the quality of talent coming out of the Philippines,” said Raphael Phang, Manager of Content Acquisition at Netflix. “Filipinos are avid entertainment fans, so at Netflix we are committed to bringing the best stories locally and from around the world to our members here.”

“With the world's inevitable shift to digital platforms for content, it is reassuring that Netflix gives us a showcase of Filipino titles for more audiences and markets to have access to,” said Liza Diño, Chairman and CEO of the Film Development Council of the Philippines (FDCP). “Of the five films that Netflix will be releasing, at the FDCP we are especially excited about the inclusion of 'Lola Igna', a heartwarming film from our very own Pista ng Pelikulang Pilipino which won Best Picture, and the multi-awarded 2016 film 'Pamilya Ordinaryo' ('Ordinary People') which is one of our Cine Lokal hits when it screened in theaters and a winner in Venice Days of the Venice International Film Festival. This growing slate of Filipino content on Netflix is a true reflection of the diversity of what Philippine Cinema has to offer. And Netflix giving space to more Filipino films is an affirmation that the Philippines has the potential of globalizing its local market."

These films follow the success of other Pinoy titles on Netflix, including Eerie, The Girl Allergic to Wi-Fi, and Miss Granny, which were among the top ten most popular titles in the Philippines in 2019, as well as the December 2019 release of Filipino Netflix Film Dead Kids by award-winning director Mikhail Red.
“I feel very grateful as a filmmaker that my work has reached audiences all around the world thanks to Netflix,” said Director Mikhail Red. “It is my goal to use storytelling and genres to get my message across, entertain, and engage people at the same time. Netflix has granted me the perfect platform to connect with an audience anytime and anywhere. Even my older film, ‘Birdshot’, which has been on Netflix for three years is still getting fresh reactions online from viewers seeing it for the first time.”
The five Pinoy films coming to Netflix are listed below. Images and other assets can be downloaded here. Click here to see what’s New on Netflix in June.

PINOY SUNDAY (Changhe Films Ltd)
Synopsis: Inspired by a 1958 Roman Polanski short, this lighthearted examination of modern life in Taipei follows two Filipino immigrants, Manuel and Dado, during their day off from work, when the chance discovery of a discarded couch leads to adventure.
Director: Widing Ho
Cast: Bayani Agbayani, Jeffrey Quizon, Nor Domingo, Dave Ronald Chang, Meryll Soriano, Alessandra de Rossi
Release date: June 5, 2020
Quote from the Director: “I never thought the feature debut I made ten years ago can have a second life and finally get shown to the Philippine audience, thanks to Netflix. It is a tremendous honor to have my second movie after ‘Cities of Last Things’ to be included on a platform which has done so much to promote filmmakers' works from around the world to a global audience. I am lucky to be part of the family.”

SUNOD (Black Cap Pictures Inc)
Synopsis: As the medical expenses for her daughter stack up, a mother takes a demanding call center job where the building's sinister secrets begin to haunt her.
Director: Carlo Ledesma
Cast: Carmina Villarroel, Mylene Dizon, JC Santos, Kate Alejandrino, Krystal Brimner, Rhed Bustamante, Susan Africa
Release date: June 14, 2020
Quote from the Director: “Having Sunod screen theatrically during the 2019 Metro Manila Film Festival was an incredible experience, and now I'm excited for the film to find a new audience online, especially on Netflix, which has the best streaming. Speaking on behalf of myself and my crew, we took great pains to make the movie look and sound good, so it'll be a rush to see it stream in high quality.”

LOLA IGNA (ERJ Found Film Production Co.)
Synopsis: An elderly woman finds her life disrupted when her family and village realize she has a chance at a world record for being the oldest grandmother alive. (Lola Igna was awarded Best Picture, Best Screenplay, Best Musical Score and Best Actress at the 2019 Pista ng Pelikulang Pilipino Awards Night)
Director: Eduardo W. Roy Jr.
Cast: Angie Ferro, Yves Flores, Meryll Soriano, Maria Isabel Lopez, Royce Cabrera, Jojo Riguerra, Armando A. Reyes
Release date: June 18, 2020
Quote from the Director: “I felt flabbergasted when I got the news from Netflix that the team loved my film, not just one but two of my films. I’m personally thankful to Netflix for introducing ‘Lola Igna’ and ‘Ordinary People’, to a larger audience, not only in the Philippines, but to the whole world. Now my films can be easily accessible anytime, and anywhere around the world.”

UNTRUE (Viva Communications, Inc.)
Synopsis: Mara moves from the Philippines to the country of Georgia, where she meets a mysterious man, Joachim. They develop feelings for one another, until Joachim claims to hear peculiar sounds and see visions of a strange woman.
Director: Sigrid Andrea Bernardo
Cast: Cristine Reyes, Xian Lim
Release date: June 22, 2020

ORDINARY PEOPLE (ERJ Found Film Production Co.)
Synopsis: Barely making a living as pickpockets, a teenage couple in Manila resort to desperate measures when their one-month-old child is kidnapped. (Ordinary People was awarded Best Film, Best Editing, Best Actress, Best Director at the 12th Cinemalaya Independent Film Festival, as well as Best Actress at the Asia Pacific Screen Awards and FAP Awards)
Director: Eduardo W. Roy Jr.
Cast: Ronwaldo Martin, Hasmine Kilip, Maria Isabel Lopez, Sue Prado, Ruby Ruiz, Raymon Lee, Karl Medina, Erlina Villalobos, Menggie Cobrarrubias
Release date: To be announced

To make this Independence Day even more special, Jo Koy: In His Elements, will premiere globally on Netflix on June 12, 2020. For the first time ever, comedian Jo Koy takes Netflix to the Philippines in his new special, Jo Koy: In His Elements. Koy celebrates his heritage by telling jokes about life as a Filipino-American while highlighting the culture of Manila. Koy uses this opportunity to shine a light on other Filipino-American performers by welcoming to the stage famed breakdancer Ronnie, Grammy-winning producer !llmind, singer/songwriter Iñigo Pascual, and comedians Andrew Lopez, Joey Guila, and Andrew Orolfo.

Sunday, May 24, 2020

Are we ready for the " New Normal"?

Wazzup Pilipinas!

For those that don't have a clue and spewing the term 'new normal' out of their mouths, take this situation as a reset button
It may be a deadly button, but we all must push it for all of us to live. We can never go back to the normal that we’ve use to lived but I hope we can start a new normal, where we respect nature, we respect each others’ status symbol, opinions and lives. Take care of ourselves and the people around us and remember to give thanks to God everyday. Masks can save us for a limited time but being “makatao” will help us go a long way.

We have to embrace the “new normal”. We don’t have a choice but to accept and adapt. For all we know, the so-called new normal is a lot better, a lot kinder.

I believe there is really no normal. What we have are traditions, like what we use to do or how we choose to bring up our children (straight man & woman). As Morticia Adams said it, "Normal is an illusion. What's normal to a spider, is chaos to a fly".

Definitely.. with what we learned from the pandemic is a new norm.. and the message should reach out to the lowest demographic class of our society. We are hoping for a society that will be friendly to nature and the rest of the animal kingdom.

I hope that after this pandemic, all govt projects should take into consideration the environmental impact and not just the economic side.

We're flattening the curve so we can let the people go outside, the car is slowing down so I can let go of the brakes. No vaccine, no peace of mind.

Maybe its right that we move forward instead of wishing to go back to normal.

Whatever the previous was, it was “that kind of normal” that got us in this “mess”. Never going back to that.

Like what they say, change is inevitable kaya wala talagang normal. Ingat mga kababayan and keep going. 🙏🏻

Another shout out to all OFW’s coming back home

Wazzup Pilipinas!

ZEN Rooms is OPEN for OFWs. Let’s help them find affordable rooms at up to 60% off. Use my Code <OFW10> for extra <10%> discount.

Share this to help our modern heroes

Would You Accept Third World Rates for First Class Quality Work?

Wazzup Pilipinas !

Yung banat na “eto lang kasi budget pero bawi kami next project..” ang nagpapamahal dyan.

Kaya maraming gusto sa pulitika, ok lang kahit mag budots lang, magkakapera ka agad pag nanalo.

Seems underpaid nga sa Pinas. This sets a dangerous precedent sa lahat ng nag-uumpisa palang. Baka isipin ng tao, yan ang norm.

Ideally kaya ayoko talaga ng local cllients. Locally, the economy decides kung ano ang presyo sa kahit anong industry dito. Not the competency.

Kaya dapat di dapat #gatong sa lahat ng issue. Nasasanay tuloy ang mga tao na "yan ang normal"

However I have several questions:

- Is the quality of work the same sa international works?

- Do we really have to convert $ to Php knowing na ang laki ng gap ng value of money for both countries ( US & PH)

Don't get me wrong. Im not against paying the right and just amount to every rendered service or sold good.

Baka kasi mamaya may mga ibang gamitin yang info but then hindi maideliver sa client ang lahat ng expectations? Whatcha think?

Videographers in the PH here for weddings that produce quality work is 60k to 200k actually, yung mga ganyan rate is very basic editing na hindi mashado presentable. I'm just saying there are a lot of clients from PH who pays the same price as US rates, depende talaga sa quality, professionalisn, dependability and brand na din.

Sana may proper context rin yung mga rates. Like anong extent ng editing? Cut to cut salpak lang ba or madugong pagtatahi base sa script? May halong effects ba? Talking heads lang, re-enactment, etc... Kasi yung rate rin bilang editor nag-vavary sa years of experience + level of skills. May mga foreign clients na sobrang baba rin ang budget, meron naman galante. May mga networks at post-prod company na ang bayad is per month, kaya one to sawa ang project... kaya di rin gaano nagtutugma yung ibang rates mo. Good for you that you can charge that much, sana may tutorial how to para matulungan rin yung ibang nakakabasa nito to get generous clients 🙂

But one thing that I agree with you is that underpaid talaga anything to do with production/ creative endeavor dito, hindi lang editor kasi yung mga gfx artist, producer, writer etc.

I believe Filipinos do as great and sometimes even more than international standards. The reason we're charging this much is that our industry placed it as our "norms".

I mean, how long will $300 last you in the US? Compare that to how long Php 200 will last you in the PH. I think that alone speaks volumes about how underpaid multimedia people are here.

There's the factor called "cost of living". A single person can live by comfortably with around PHP50k/month here in the Philippines. Compare that to let's say someone living in California, where rent alone averages more than that. Food, health services, etc also cost more and they have much higher minimum wages. It's the reason companies outsource here in Asia. Labor just costs a lot less here even if the quality of work is close to or equal in developed countries.

Ang mali sa thinking ng Pilipino we convert it sa value ng pera natin dito sa Pinas. Pero ang binabayaran po dito ay talent. Kahit nasaan parte ka pa ng mundo dapat pareho ang bayaran sa same level of talent. We are the ones that is building this culture in the world market. Kaya tayo binabarat ng ibang employers, its because of some of the Filipinos who think this way. Dapat ang minamarket natin ay ang galing ng Pilipino so they pay the same. Not because we are paid cheap.

Nasa tao nalang kung pano niya iwoworth kung magkano siya bayaran for the project.. so if you belive na eto talaga ung tamang presyo sa quality na kaya mong ibigay why not... for my experience i really started low para makalaban at makapasok sa big leagues.. experience is your starting line.

Tingin ko one way to check ung quality ng video edits nung editor is thru portfolio or previous works nya,

Para doon palang majustify ung presyong dinedemand nya if u think na masyado mahal or medyo may doubt if kaya ba nya ideliver ung expectation mo as a client.

The international companies can you pay you from 20k-50kphp or more than that if you can satisfy them with your designs with minor revisions. Here in PH, you will still get a minimum wage salary despite of having unli revisions especially if you're a corporate slave.

The price for international works should be the same for Filipino artists. Knowing that art education here in the Philippines is very expensive po. Asides from that, the softwares and gadgets that are used are also pretty expensive. Wala pa po labor ang gastos na. Art is an investment, therefore it's just right that filipino artists should be paid justly. Kung sa ibang bansa nagagawang bayaran ng mataas mga Pilipino, bakit dito sa bansa natin hindi?

This is true, but we cannot really compare yung prices internationally, 3rd world country tayo eh.

Parang BPO setting lang yan, they put up BPOs in PH rather than hiring native speakers coz we sound the same, produce the same output with cheaper price. Same with OFWs, med practitioner and other outsourced jobs, we chose to fly abroad and make a career there coz it pays load bigger than what we get here. Besides most of the jobs here in PH are underpaid.

The danger here is that you’re generalizing “normal” or “average” PH rates that clients can potentially use as a baseline for production costs.

One of the problem here in the Philippines is the “boomer mentality” when it comes to creative/multimedia profession. They think it's not a serious profession like being a doctor, teacher, engineer etc. Thats why artist are always being looked down.

Standard/cost of living, currency conversion rates, and supply and demand for services. Unfortunately it’s the Philippine economy that’s the problem, not because people are underpaid. Also foreign labourers had more expensive education (10x or so the amount Filipinos pay for school) and training costs that they have to recoup In their own localities. In a developed country’s perspective, yes Ph local labour is underpaid, but in the context of Ph economy, market and government it is just about right - although it should be a bit more than that nowadays because the cost of goods are getting higher every year.

No matter what you do, nobody locally can pay for what you demand internationally, because the general pay-scales and economies are vastly different. If you deal locally, then you have to adjust to the local economy. Even McDonald’s adjusts their pricing: Big Mac in Canada costs 500 pesos If converted. But Big Mac in Ph costs 150 pesos. It’s just how economics work, my friend.

Even concrete houses in Ph are way cheaper than simple wooden houses in US or Canada. For $30k, you can buy a house in Ph, but in Canada it would cost $600k. Real estate market is one of the good gauges to feel the condition of the economy.

And it will take years of steady improvement to catch up. That’s why choose your government officials wisely. Posting these “awareness” thing won’t do much, unfortunately.

This is like the feminist fighting for equal pay. competence and agreeableness plays a big role. Anyone can charge for astronomical amount but the question is would anyone hire him? BPOs are in PH because of cheaper labor, delivering the same if not better quality of service. Should Filipinos ask for equal pay?

In a free competition market, if someone can offer their services at the desired quality (varies per client) at a value-for-money proposition, then the work goes to them.

In the end, you can demand for a price equivalent to the quality and services you can deliver, but to remain competitive sometimes you would need to charge lesser thus live less comfortably.

Know your worth based on your skills level. It’s not realistic to price yourself when you know you can’t deliver.

Saturday, May 23, 2020

Adult Chats- Becoming the Boon and Reaching Every Corner

Wazzup World!

When a child grown and enter into the teenage, he or she gets a desire to make love and find the soul partner to share feelings and thoughts.

There are few states and countries, which have given access to many sites that avail you adult chat and let you find a person with whom you want to spend time and

These sites work with a view that people all around connect and according to the need and desire, they can find their loved ones and then continue to chat and send videos to make a deep connection.

These sites have become the most used and are on the boon for people. They have become new excitement for people to join and meet their loved ones.

The things and search become exciting
when you start searching and chat with people whom you like.

The main idea behind these sites is to keep things simple for people who struggle to find the soul mates and it just asks you to download.

A program an application in your computer or phone, which will allow you to get access to connect people who are engaged in this network of messaging.

If you try to search for people directly you will not find them but using these websites you can search online, the people who at part of these sites, and who can have a webchat with you using the webcam.

People who willingly go for an adult chat can easily fulfill their desire through the web chats and the best part is that the cameras, which these web people use, are of good quality to give real feelings.

The members of these sites work the whole day to look for people who are searching for the services of webcam chats.

Be it a man or a woman, anyone can be a part of these web members, and people can enjoy sex chats via webcams and can also enjoy naughty dating.

This is the most affordable method to search for the people and utilize the weekends and life for the right person.

It has been noticed that people using these sites have helped themselves by getting involved with people and make a social network to fulfill the desire.

Some people due to stress and loneliness opt for suicide or go through many problems like depression and get into drug addiction.

So these sites help people get busy and enjoy the need of a person by having pleasure and dating.

People can also opt for weekend dating or dating for vacations according to their availability, which helps them to meet someone with whom they can spend time and share thoughts and enjoy life.

But there is one thing which you should be aware of is that these sex messengers are not available all the time, hence you
should take advantage whenever there is a beta test and you will feel good.

Looking Back Before the Year of COVID

Wazzup Pilipinas!

I started blogging 2013, got my first award or recognition in 2014, then the following years were very fruitful - got invited to guest on many radio and TV shows, got featured on newspapers and magazines, had my own radio/online show, got invited outside of the country for blog opportunities, and now a part of a mainstream media.

But this covid-19 pandemic, just like everything else, put almost every other opportunities at a halt. When everyone claimed 2020 as their year, it never occured to us we will be struck by a powerful foe that will forever be the most stressful period of our lives.

Now bored at home, with limited resources compared to our previous routines, we are bewildered on what to do.

Surf the internet, binge on Netflix movies and TV series, play video games, splurge on food delivery, or any other tempting tasks that actually waste our time. Entertained and never a dull moment, yet being unproductive.

So some of us tried cooking up culinary treats, others experimented on their green thumbs and did some urban gardening, others found joy in painting sceneries and nature, and plenty of us adopted pets at our homes.

Whatever we experienced during this quarantine, or lockdown, period will surely never leave our memories since we've shared it for months already.

Lucky are the ones who spent this predicame t more comfortably because of affluent status in life, but many would detest this months of being seemingly tied up and restricted.

Until now we are not sure when we will be back to normal, or are we transcending to what they are calling the "new normal"?

For sure, nothing will be the same as it was before. Many cannot easily erase the thoughts of this troubled time when we couldn't see our enemy, made worst by a clueless government.

Three years after Marawi siege, children face new battle against COVID-19

Wazzup Pilipinas!

Bailiya was only nine years old when her hometown was destroyed by the five-month gun battle between the government forces and ISIS-inspired Maute groups which started on May 23, 2017. The Marawi siege has flattened homes, schools, infrastructures, and displaced 200,000 children and their families.
“Our lives back then were difficult,” said Bailiya, 12, one of the beneficiaries of Save the Children Philippines’ education program and an internally displaced learner at Angoyao Elementary School. “However, it is twice difficult this time because our house was destroyed and we have no school to go back to.” Bailiya’s family, along with her seven siblings, live in a transitory shelter in barangay Boganga in Marawi.

To make matters worse for Bailiya and to children like her, there are already nine confirmed cases of COVID-19 in Marawi City and Lanao del Sur, as of May 17, 2020, with four deaths and 40 cases of patient under investigation (PUI) based on the regional health office in BARMM.

Atty. Alberto Muyot, Chief Executive Officer of Save the Children Philippines said the impact of conflict to children has lasting implications and goes beyond even if it has end.

He said children and their families in Marawi are more at risk to diseases including COVID-19 as clean water, toilets and hygiene facilities remain a problem in the transitory shelters.

“Children bear the brunt of armed conflict as they suffer from severe malnutrition, diseases including COVID-19 as healthcare and food supplies are disrupted,” said Muyot. Children’s right to education must be fulfilled even in times of emergencies, he added.

In this regard, Save the Children Philippines continues to help children and their families to rebuild lives in Marawi amid uncertainties and risks of the COVID-19 pandemic.

For the past three years, Save the Children Philippines has been providing emergency and recovery assistance to children and their families affected by the Marawi siege, reaching 48,475 children and 9,492 adults. These include learning materials, psychosocial first aid and temporary learning spaces to ensure children will continue learning during the crisis.

Recently, Save the Children has distributed handwashing facilities in checkpoints and quarantine facilities in Marawi City. The team also distributed hygiene kits to children and their families and food packs to medical frontliners and provided assistance to families to access water supply, hygiene promotion and access to safe drinking water. The team supported the rehabilitation of latrines and construction of toilets in the areas where temporary learning spaces were installed.

Edwin Horca, Head of Save the Children Philippines-Bangsamoro Autonomous Region for Muslim Mindanao (BARMM) offices said “education is a life-saving response as it provides children a safe space to learn, provides normality, routine and ensures their protection.”

As such, Save the Children Philippines provided temporary learning spaces, back to school kits, and hygiene kits to motivate children to go back to school.

“Learning spaces also provide protection to children from threats of sexual violence, harmful work and recruitment into armed groups,” said Horca.

The humanitarian support also includes training of teachers on child protection and the minimum standards on education in emergencies, as well as art workshops themed on peace for children and youth.

Children’s access to education, water, sanitation and hygiene and child protection were supported by the Department of Foreign and Trade of the Government of Australia, Radiojhalpen/ Swedish Music Aid, and European Union Civil Protection and Humanitarian Aid Operations.

Save the Children Philippines will continue to provide emergency assistance for the reconstruction and recovery of Marawi with new partnerships with the Asian Development Bank and the private sector. These efforts will be aligned with the national government’s recovery and rehabilitation plan under Task Force ‘Bangon Marawi.’

Horca said the new programs will complement the recovery and rehabilitation programs of the national government and SCP-BARMM to ensure access to income and livelihood of conflict- affected families, and those in host communities.

“We are harnessing resources, local and foreign, to ensure that the affected people of Marawi are never forgotten,” said Horca.

Save the Children Philippines is one with the people in the commemoration of the survivors and heroes of the Marawi Siege and encourages everyone to help and support its programs for the continued protection and the rebuilding of lives of those affected, most especially the children.

Different Kind of Health and Dating Lifestyle after Covid 19

Wazzup World!

If you've been lockdown for more than 2mos and counting during this Covid19 pandemic. The best way to do is to educate and have fun by yourself while you stay safe lock at home.

Lately, I've been singing duet online with several Karaoke Pop divas  from the US via smule mobile application.

And its really cool, I found it very entertaining. Imagine its better than you're KTV, you have recording that you can edit and customize in just a minute. Then you have instant recording you can upload it in your social media.

Just much more advance than your regular KTV bar or regular dating site. Because you can do tutorials even practice before or after recordings. Just like a celebrity taping - ready, set action - cut!

Much more exciting things to do suited for an adventurous Bachelor guy like me. According to medical experts they say that this pandemic will stay for a year or two.

I don't know, but for sure - this will change our lifestyle the way we see things. As far as travelling and dating lifestyle is concern. With the technology nowadays. You can do background check before meeting someone online.

Wether its educational, financial, criminal  or medical records. You can always ask the other person, do it yourself or hire a 3rd party provider to do that background check.

Because of what happened this year, people are really curious about social distancing and Physical health. You can even ask your mate to do STD checks before dating or meet up when this pandemic is over.

So both of you are not wasting time, before meeting up or do travel together. Making sure that your health is being monitored and tested by a medical professionals. If you're US based you can get $15 off on men and women health test here.

Friday, May 22, 2020

Lacson Accusses DOH of Overpricing

Wazzup Pilipinas!

Senator Panfilo Lacson has revealed several instances of overpricing with regards to the items and equipment used by the Department of Health's purchases of COVID-19 Pandemic testing.

One word: Commissions, the bigger the expense, the bigger the commission. During the time of Marcos they used to call it " Blessing". During other presidents term they called it " For the Boys". Today they call it " Pastillas" ay leche nadulas...

I think the good senator should clarify this matter. Is this the same brand?

Because if it is, then I think its overpricing.
If its not, then the specs, track record, and reliability should be taken into consideration.

Really needs to be investigated to get to the bottom of things. But this also happens in private institutions, even without any foul play. Sometimes it's all a matter of timing, specifications, source and supply & demand dynamics. Prices can vary widely based on these factors. These aren't commodities and are not subject to standardized pricing. One has to delve into these details and not just toss it in the public arena with scarce details and lots of opportunity to spin any which way to influence the wary and poorly informed public.

Example: for RT PCR, European brands are much more expensive than its asian counterparts.

Also I think, overpricing means jacking up the original price by a large percentage and hindi yung maspinili mo yung mahal compared sa mura. There are parameters to adhere to, so Senator Ping should clarify this.

For the PPE, reliability and track record again comes into place. If may budget to buy better and more reliable equipment then buy the better one than the cheap one.

A tabular presentation would explain better if there are discrepancies in the purchasing process. We will see the specs and most especially the brand. For it to be clear.

With regards to the swab, there are differences in what we call "experience" after the procedure. For example, in phlebotomy, I prefer using Terumo(TM) than any other brand. It is known that terumo syringes are more expensive than other brands, but it may provide a more comfortable experience to the client. But then again, without the specs, we cannot say for sure.

The product that DOH/RITM bought is thermo fisher. Please search the reliability and track record of the brand. You will know bakit mahal siya. Even ang common centrifuge ng thermo fisher is expensive. Do side by side comparison ng specs.

They should have compared what brand are bought and which is more reliable. I myself is involved in medical devices trading and know the huge disparity between chinese vs US / European brands. Even do us biomedical techs / engineers prefer the US made.

I'm not a lawyer but i understand that in government procurement bidding is paramount...but, as i understand it too (and ready to be corrected), the new Bayanihan law gives the executive some leeway in procurement...this is going to be Duque, he should resign immediately and not give PRRD a black mark...

Indeed, there are certain issues that needs to be addressed. However, in relation to the visual presentation of senator lacson which is quite lacking in details, it might provide the wrong impression and cause unnecessary public outroar. Like everyone else, I am an advocate of fact based criticism than half-baked hate.

I think the point here is that, if the private sector who uses their own money chooses to buy the other brand which is cheaper (but definitely of high quality) then how come the Gov't whose funds are bleeding dry opt to buy an expensive one? and btw to allay fears of corruption why don't they itemized their purchases and show the summary of expenses for the people to see just like what the OVP is doing.

Ang mas importante po sana CURE.

Sana po kayo mag push din ng multiple INDEPENDENT testing of FABUNAN anti-viral - without government control.

Then do an inquiry if it is true that this option has been ignored since before the DENGVAXIA debacle that might have been averted by a "sariling-atin" Filipino product (reportedly with a U.S. patent).
Imbis na itest ay ipinasara daw sila - suspicious!

Let us not speculate anything before it was investigated and proven that those who procured these items had done it for the sake of corruption. We might me letting the devil sneak into our lives thereby making our lives vulnerable to his attacks. The truth will be shed to light. And even if they have erroneous actions, we are not suppose to throw any unpleasant words to them. Our duty is to pray for them and let the ax of God be on them if He wills it. But remember that anything that came out from our mouth is our responsibility before Him.

You know Senator Lacson? With all of your queries above that even we, a normal citizen of this government cannot even understand why. If you can't answer those many whys, how can we? We are just here listening and watching all of you lawmakers from the media. We do not know what to believe anymore. But with those accusations of yours, you need to prove and provide us the real and transparent reasons why. Politicking in times of pandemic is brutal as well as not giving a genuine service to the Filipino people. May you be guided accordingly Senator Lacson!

I agree that this is not the right time.

But if this is really true and government funds are being bled dry, then as a senator, we give you free reign to check as we have also the right to know why.

I understand their are also factors like quality, serviceability and others that need to be considered...

People might say that this is a blame game. But for me this is accountability. Whatever actions they do it is their responsibility and responsibility breeds accountability. So DOH please be accountable on all of these. This pandemic does not give you the license to take advantage of the situation to overpriced.

Tiis Pilipit – Mangyan Tribesmen, Tamaraw, Threatened by Hunger and Disease

Wazzup Pilipinas!

The old chief exhaled and the hut was enveloped in blue smoke. “I remember,” whispered Fausto Novelozo, chief of the Taw’buid tribe. “That a sickness drove us from the mountains. Measles we got from siganon or lowland visitors. Half our village of 200 died.”

We’re in the village of Tamisan Dos, one of two newly-established Mangyan communities at the foothills of the Iglit-Baco Natural Park in the province of Mindoro Occidental. Measles drove Fausto’s people closer to town, where they can have better access to western medicine.

Most people don’t consider disease a major threat to biodiversity. But diseases ranging from Coronavirus to African Swine Fever and Ebola have spread worldwide, taking thousands of lives and causing billions in economic damage.

For the reclusive Taw’buid, death and disease are part of life, hindering them from protecting an animal they revere – the critically-endangered tamaraw (Bubalus mindorensis), only 600 of which remain today.

Living deep in forests, tribal communities are plagued not just by blood-sucking leeches, malarial mosquitoes and venomous snakes – but a lack of clean water, poor sanitation, poor nutrition and inadequate medical knowledge. With hospitals often several days’ journey away, many ailing tribesfolk die on their way to treatment.

Malaria, tuberculosis, measles and other diseases have always taken a steady toll on Mindoro’s Mangyan population, estimated at 200,000. About 60% of Mangyan children are malnourished and almost all go hungry during the rainy season which lasts from June to October. With torrential rains turning Mindoro’s streams into raging rivers, many cannot visit their upland ricefields and must hunt or gather whatever food they can.

“We call this period tiis-pilipit (to twist in hunger) and we must make do,” says Taw’buid gatherer Robar, tiredly raising the day’s catch. “We are lucky. We caught some rats and frogs today.”

With limited healthcare access, tribesfolk have traditionally relied on medicinal plants to deal with cough, colds, fever, skin diseases, intestinal parasites, diarrhea and other common ailments. The Taw’buid for instance use bungarngar to treat stomachaches, pito-pito to relieve pain and salimbayong for healing open wounds. A 1984 study by Garan and Quintana identified 128 medicinal plant species used by various Mangyan tribes.

“Isolated communities are especially vulnerable to diseases from the outside world because immune responses have yet to be developed,” says medical anthropologist Gideon Lasco. “Limited access to healthcare and fear of hospitals also keeps them from seeking treatment.”

People From Above

Taw’buid means ‘people from above’ and is among two names the tribe calls itself – the other being Batangan or ‘felled forest.’ Close to 20,000 inhabit Mindoro’s central highlands, making them the largest of the eight tribes collectively called Mangyans by lowlanders – the others being the Alangan, Bangon, Buhid, Hanunuo, Iraya, Ratagnon and Tadyawan.

Many still sport loincloths called amakan, hunt game with spears called tulag, bows called gadun and spike traps called silo. Unlike other Mangyan who chew betel-nut, nearly all Taw'buid men smoke a combination of papaya and tobacco – children included.

Once occupying Mindoro’s lowlands, they were pushed into the mountains by both Spanish colonizers and Filipino immigrants. Their home forests too have retreated – with thousands of hectares converted into grazing land or rice paddies. As a people, the Taw’buid are peaceful, secretive and deeply animistic – careful not to rouse the anger of their gods including Alulaba, lord of rivers and waterways, or Mangyan Muyod, lord of the mountains.

Contact with the Taw’buid has been established through missionary groups and the Tamaraw Conservation Programme (TCP), which employs tribesmen as trackers and rangers.

For the Taw’buid, serving as a ranger is an honor and a stepping-stone to become a fufu-ama or tribal elder – making them natural allies to conserve the world’s most endangered buffalo. Fufu-amas Henry Timuyog, Fuldo Gonzales, Oskar Bongray and Pedro Salonga are some of the many Taw’buid who have served as TCP rangers. “We welcome them for their bushcraft and field skills,” shares TCP head Neil Anthony Del Mundo as we trudge closer to the grassy peaks inhabited by herds of tamaraw.

Disease Outbreaks

A century ago, disease nearly wiped out the tamaraw – it’s also disease which threatens its protectors.

The island of Mindoro has a long history of disease. The island was largely bereft of human settlement in the 1800s because of malaria but was home to an estimated 10,000 tamaraw, a small dwarf buffalo with distinctive V-shaped horns that roamed its dense forests and wide rolling fields. But a century later, the island became a prime pastureland and the forests and open fields turned into a hunting ground for poachers armed with high-caliber weapons like M14 and M16 rifles.

By 1969, the outbreak of rinderpest and avid sport hunting drove the tamaraw population below 100, prompting the International Union for the Conservation of Nature (IUCN) to declare the species as critically endangered.

Decades of conservation led by the Tamaraw Conservation Programme (TCP), Biodiversity Management Bureau, Mounts Iglit-Baco Natural Park (MIBNP) and a host of allies including the Biodiversity Finance Initiative (BIOFIN) of the United Nations Development Programme and Department of Environment and Natural Resources, Mindoro Biodiversity Conservation Foundation Incorporated, D’Aboville Foundation, Global Wildlife Conservation, World Wide Fund for Nature, Far Eastern University, Eco Explorations and the Taw’buid people led by chief Fausto Novelozo, prevented the bovine’s extinction, helping tamaraw numbers recover to around 600.

Today the animals are confined to four isolated areas in Mindoro, all vulnerable to disease. “Bovine tuberculosis, hemosep and anthrax can enter Mindoro if we’re not careful,” explains Dr. Mikko Angelo Reyes, a Mindoro-based veterinarian. “The key is biosecurity, the prevention of disease through quarantine, inoculation and immunization. We should ensure that at the very least, animals entering the island are checked for sickness. We should also establish and respect buffer zones around protected areas, which are often rung by farms and livestock.”

Like the siganon visitors to chief Fausto’s village, imported cattle can spread diseases which tamaraw have not developed immunities to. The Mounts Iglit-Baco Natural Park (MIBNP) spans 106,655 hectares. It is currently surrounded by 3000 cattle belonging to 30 ranchers.

Preventing Outbreaks

Together, TCP and MIBNP rangers work to ward off poachers, dismantle spring-loaded balatik and deadly silo snare traps while keeping disease outbreaks to a minimum – preventing cattle from intruding into the park and giving the park’s indigenous people medicine and employment so they can buy supplies.

To gather much-needed resources for this, BIOFIN is helping raise funds via donations. “A little help goes a long way. We ask fellow Pinoys to donate just a bit to save the Taw’buid, tamaraw and the rangers keeping everything working,” says BIOFIN Philippines project manager Anabelle Plantilla.

The nationwide lockdowns spurred by COVID-19 is also taking a toll on communities and institutions dependent on ecotourism revenues. UNDP is preparing crowdfunding campaigns in the Philippines and other nations to keep these communities afloat – especially as government funds are being redirected to fight the growing pandemic.

Since its inception in 2012, BIOFIN has worked with both the public and private sectors to enhance protection for the country’s biodiversity hotspots by helping secure funds to implement sound biodiversity programs. BIOFIN’s second phase in the Philippines runs from 2018 to 2022 and includes the implementation of finance solutions to raise resources for the tamaraw and other endangered species through creative crowdfunding from corporations, government units, schools and individuals.

* * *

Back in the Iglit-Baco Park, a weathered man in a loincloth emerged from a field of upland corn. “Help us. We need medicine,” coughed Ben Mitra, a Taw’buid fufu-ama. Our column, already returning to the lowlands, stops to dig out whatever medicine we have left.

“Fadi-fadi,” he says in Taw’buid, accepting our goods. Thank you. As we trek back down, I pray they’ll be spared from disease and the fate of chief Fausto’s now-abandoned forest village. Like many of the country’s protected areas, the Iglit-Baco Natural Park exists in a fragile balance. One outbreak is all it takes – but we can all pitch in to prevent it. Contact to know more.

Thursday, May 21, 2020

How to Order Pizza Safely During the Pandemic

Wazzup Pilipinas!

The COVID-19 pandemic has increased America’s need for comfort food. Everyone has their own favorite meal, depending on culture and nostalgia.

Pizza almost always makes the list of comfort foods, because there is something about the simplicity and complexity of a slice of pizza. It’s just bread, tomato
sauce and cheese, but the combination of those three elements can transport you to your childhood when life was easier.

Fortunately, with contactless food delivery, you can get your pizza fix during the
pandemic and feel safe while you’re doing it.

What Pizza Promotions Papa John's Is Having During the Pandemic Papa John’s is committed to keeping its stores open during the pandemic. You can get pizza promotions by email or through the app, simply by entering your location to get deals for delivery or carry-out.

By taking advantage of special offers, you can feed your family at an affordable price and give yourself a night off from dishes and clean-up. You’ll find specials on your favorite pizzas and menu items to enjoy
pizza in the comfort and safety of your own home.

Why Contactless Food Delivery Is a Better OptionThe CDC has made numerous recommendations for the restaurant industry to protect consumers during
the COVID-19 pandemic. Limiting contact between people is key to preventing the spread of the virus.

Whether you’re ordering a BBQ Chicken Bacon Papadia or a pepperoni pizza with a gluten-free crust, Papa John’s wants to keep your family safe. Contactless food delivery is the default when you order delivery.

If you pre-pay and add a tip for the driver through your online or app order, your driver will leave your order on your doorstep for you to pick up when you come to the door. You never have to
make contact or come within six feet of another person.

Order Pizza and Make It a Family Night
Many families are feeling the monotony of sheltering-in-place. If you’re staying home to keep your family protected, you can still change up the routine to feel like you’re doing something different.

Have a picnic in your backyard. Get out your favorite blanket and throw it on the ground for an al fresco impromptu meal.

Turn on your favorite music streaming channel or try a new style.Need more than a new location? Order something different than the normal. Let your kids choose the
menu but be sure to double-check it before you pay.

Instead of the regular Super Hawaiian pizza, go for a handcrafted Garden Fresh pizza with lots of fresh veggies and a different flavor. You could really switch
it up by ordering wings and breadsticks and skipping the pizza.

If you’re missing pizza night with your buddies, send your BFF a special order and have dinner by video-chat. No, it’s not quite the same as being at the same table, but under the current state of things, it’s an
option to connect with another person.

If you know of a family that’s struggling without a job, they’d probably appreciate a night off from cooking when a pizza delivery shows up at their home. We’re in this together, so order pizza and enjoy a meal.

PHLPost: Post Offices to remain open, announces new schedule

Wazzup Pilipinas!

The Philippine Postal Corporation (PHLPost) announces that it will remain open to deliver and accept mails and packages nationwide.

PHLPost has assured that postal services will remain operational inspite of the Modified Enhance Community Quarantine (MECQ) in NCR and the General Community Quarantine (GCQ) which are being implemented in select provinces in the country.

PHLPost has been allowed to continue with its services at a capacity necessary to maintain the prompt delivery of services to its clients through its #PusongPHLPost.

Post Offices will be open three (3) times a week (Tuesday, Wednesday and Thursday) from 10:00 in the morning up to 3:00 in the afternoon for cities and provinces under MECQ while maintaining skeletal operations.

Acceptance of mails and parcels intended to other countries are suspended temporarily due to local and international flights cancellation. However, domestic mail dispatches shall continue to be transported by land and sea routes until further notice.

Meanwhile, those provinces under GCQ will operate in full capacity from Monday to Friday from 8:00 in the morning until 5:00 in the afternoon.

Processing and acceptance of Regular and Rush Postal ID will start on June 01 to comply with the government’s strict guidelines in the implementation of health and safety protocols.

PHLPost shall prioritize the delivery of express mails, medicines, items containing goods/perishable items, items from SSS, GSIS, and other public and private institutions containing pensions, checks/loans and leftover mails (vital communications/checks) during the community lockdown.

The postal agency apologizes for the delay and hopes for the public’s understanding and support in finding ways and means to better serve its customers.

Area post offices are also coordinating with barangay officials for mail delivery, cargo/shipping lines for transport of mails in accordance with local community quarantine protocols as well as the use of its facebook page for coordination and information to its clients via

Balakayodyan: Sagot Ng Gobyerno sa Daing ng Pilipino

Wazzup Pilipinas!

Needless to say, that without any available vaccine at this time, the next best option to really curb the infection rate is mass testing and effective contact tracing. But looks like the government has other things in mind?

Kawawa tayo, ang sagot lagi ng gobyerno sa madaming tanong - balakayodyan!

Huwag daw iasa sa gobyerno ang mass testing at pag-provide ng mga safety and health measures against Covid-19. Bahala na daw ang private companies and businesses sa kanilang mga empleyado.

Kaya isa lang sagot diyan... work at home nal muna mga empleyado... dahil dagdag lang sa pagkalugi ang gastos na kailangan.

The COVID-19 pandemic is not only a global health crisis, it is also an economic crisis - affecting millions of businesses worldwide!

Mass testing or "expanded targeted testing" is the answer while waiting for the vaccine which will be out by 2021! Segregate the positive, let the negative people restart the economy!

With Roque's 'expanded targeted testing' term causing anger and confusion online, does it actually differ from 'mass testing?'

What difference does it make when the government cannot really do any of them?

Just like his fellow lawyer Panelo, Roque is guilty of playing with  semantics.  The problem is, neither of them were any good at it.

"Mass testing, isolation, and contact tracing – this is where we should invest," says Professor Jomar Rabajante of the UP COVID-19 Pandemic Response Team.

And yet the national government hasn't implemented mass testing and contact tracing almost two months after the lockdown began. How will we know ECQ and GCQ are actually working and when it's more safe to gradually reopen the economy? The fact is that without mass testing and contact tracing, the cases of infection and illness are underreported and we all remain at greater risk.

It will take time for vaccines and potential cures to be fully tested for safety and efficacy, so until they're ready we need to implement mass testing and contact tracing just like what other countries have done in flattening the curve. This will help government decide how to restart the economy without risking an explosive rise in coronavirus infections.

Lahat kabaliktaran gingawa ng gobyerno. Mapapanood mo sa TV yung mga tao na pumipila para makakuha ng SAP. Napakabulok at incompetent ang gobyerno na ito.

DOH, sino po ang dapat managot? Yung mga pasaway na lumabag sa ECQ? Di po ba pinahihirapan nyo ang taong bayan sa kapabayaan nyo.? Madaming nawalan ng trabaho, nagtiyagang wag lumabas kahit napakainit sa loob ng bahay, madaming negosyo rin ang nagsara at saka yun mga taong pilit sinusunod ng patakaran ng IATF kahit labag sa kalooban nila... . Kelan pa nyo maaabot ang target testing nyo?  Sino ang may sala? Ano ang problema? Sana po kundi nyo kaya, umalis kayo at ibigay sa karapatdapat... Hangang kelan kami magtitiis?

The only cover up about Covid-19 is how China sought to keep it under wraps. Had the world know and undertaken measures, then only China would have been devastated and their economy will be the only one to shrink.

As it is China sought to level the field.
The whole world would suffer with China.

Wednesday, May 20, 2020

Duque Declares 2nd Wave of Covid-19 Pandemic in PH

Wazzup Pilipinas!

Ayon kay Health Secretary Francisco Duque III, kasalukuyan nang nangyayari sa Pilipinas ang "second wave" ng COVID-19 transmission.

Second wave??? We aren't even done with the first wave yet!

Hala...di pa nga nag flatten ang curve, nag plateau lang.

The first wave wasn’t even cleared? Was there a covid free period that the Filipinos weren’t aware of?

Is there a scientific basis for this statement?

Dahil hindi maflatten ang curve, inadvance na nila ang second wave. Charot!

To say there's a second wave of infection means that there are new infections coming in after we have dealt and flatten the first one!

To be a "yes man" is an excellent qualification to the poon. That is what "Duque on Heels" or DOH sounds like, probably following orders from Malacanang to justify their need for a second tranche of budget of which the first sum have remained an enigma regarding how the funds and donations were spent.

This person in-charge doesn’t know what he’s talking about. We’re doomed!!! He should have been fired a long time ago!

May point si Sen. Pangilinan, paano masasabing tumaas or hindi kung may backlog na 7k plus na inaantay pa din test results. Feel ko gigil nya, very challenging na mga tanong nya and may point naman. Paano nasabing flattening ang curve kung malaki backlog na waiting for test results.

Kaiyak tong Covid na ito!

Scary thought:

“Duque said a third wave of COVID-19 transmission would be the worst case scenario for Metro Manila if it will be placed under general community quarantine without enough testing.”

Trilogy pala ‘to!

Top 5 Mobile AppsTo Simplify the Mortgage for Loan Officers

Wazzup Pilipinas!

As a Loan Officer, you often have your work cut out for you. From evaluating and recommending approval of credit loans to advising borrowers on their financial status and the different loan payment methods available to them.

Thankfully with the rise of more e-Commerce platforms, there are Mobile applications that can help make the mortgage process more straightforward for the loan officer and borrower. These mobile apps also make communication and engagement with borrowers much more accessible and automatically documented.

In this article, I have listed out the top 5 mobile apps that can help simplify the mortgage process for loan officers on the go:
  1. Floify
This app is designed for loan originators and mortgage loan officers in mind. Floify is one of the top mobile apps in the industry because of its streamlined and secure process in communication and secure web-based document portal for all mortgage stakeholders. The portal also allows your customers to complete their loan application and sign their consent or agreement electronically. They can also track their application status and receive regular updates in their mail.
Loan officers can use Floify to collect and verify any borrower documentation, including translated documents from top writing service review websites such as Best Writers Online. Stakeholders in each transaction can also track loan progress, communicate with ease so they can close more loans faster. Floify also can be used to keep everyone in the office in the loop, so there is transparency and a smoother turning over of tasks within the organization.
Floify comes with third-party integration such as Slack, Dropbox, Google Drive, DocMagic, DocuSign, Hippo Insurance, Alliance2020, etc. Though there isn't much room for you to customize the app, it has most of the features you would need, so that isn't such a big problem.
        Business Plan: $59 per month
        Team Plan: $225 per month
        Enterprise Plan: Contact the vendor

Available on both Android and iOS

  1. Loanzify
Loanzify is an excellent mortgage app that deals only with home mortgages. This app allows you to customize it to suit your mortgage needs, and provides other features to explore loan options, calculate your future mortgage as it takes you through the whole mortgage process. 
This app is particularly great for calculating monthly mortgage payments accurately. Loanzify walks you through the entire number process using different mortgage calculators, gives you mortgage content that is both educational and interactive, and also gives you instant access to your loan officer. Other features on Loanzify include; Private Mortgage Insurance, HomeOwners Association taxes, Hazard Insurance, and Property Tax components.  
You can also get professional advice and updates from your loan officer via direct messages and quick notifications. There is an interactive Checklist that helps stay on track with the loan, keeps you informed on Mortgage News and trends. You can also scan and upload your loan documents securely to your loan officer.
Loanzify comes with a seven days free trial period.
        Basic: $19.99 per month
        Deluxe: $29.99 per month (Billed Annually or $39.95 monthly)
        Enterprise: $29.99 per month (Inquire for Pricing)
Available on both Android and iOS
  1. My Mortgage: Mobile
 Academy Mortgage designed this mobile app as a tool to simplify the home buying and lending process. Whether you are a potential home buyer, a loan officer or a current homeowner hoping to speed up the process for your clients, this app comes with a ton of features that will make
 your mortgage processing is secure.
This app comes with a loan comparison feature that uses multiple lending scenarios and loan programs to help determine which product is the best for you. It also calculates the possible savings (or cost) of refinancing your mortgage and determines if homeownership is an affordable option for you based on your current income and monthly expenses.
My Mortgage: Mobile gives you the option to scan all your mortgage documents to your mobile device and upload them with ease for a quick loan approval process. You can access your contact information of your Loan Officer and real estate agent and share this information with your family and friends with ease. You can also ask your loan Officer any questions concerning your loan and the approval process.
Pricing: free
Available on iOS
  1.  Key Mortgage Loan Tracker
Key Mortgage Loan Tracker app is designed by Key Mortgage, and it offers mortgage customers an easy way of interfacing with their realtor and loan officer. The app can provide loan information and status, send notification reminders for important dates, set up a chat, provide all the essential details of the loan process. It has a Mobile Capture Technology that enables you to securely upload documents, view, and download them with ease.
Using the app, loan officers and realtors will stay connected to their clients, starting from the initial loan application through closing. The app will also be able to provide immediate loan process updates through their mobile device. Every important detail of the transaction will be available on the go to all parties involved.
Another great benefit of the app is that it alerts the entire team when the closing disclosure is made to the homebuyer. The app also alerts you when you reach crucial benchmarks on a mortgage procedure.
When a potential homebuyer applies for a loan with Key Mortgage, a personalized and secure link to the app is sent to them. The link has all the contact information and communication channels for their entire real estate team. From the transaction of the loan to the closing stage, all parties involved will receive notifications for due dates and benchmark events. These benchmark events include:  
        when the application starts;
        when the order for an appraisal given;
        when it is assigned for underwriting;
        when it has been approved with conditions;
        when it has been given final approval;
        the date for commitment;
        estimated closing date;
        closing disclosure, and;
        the loan funded.
Pricing: free
Available on both Android and iOS
  1. Karl's Mortgage Calculator
This app is a great mortgage app for calculating mortgage payments, principal, interest, and term. You can key in a down payment amount or percentage, and then the calculator works up how much mortgage you require.
It has a simple interface that is user-friendly and shows you the progression for your monthly payment. The progress is based on factors such as the additional monthly or annual loan costs of your Private Mortgage Insurance, HomeOwners Association taxes, and insurance. The calculator gives you a Fixed and Adjustable Rate Mortgages (ARM) loan with multiple interest rates.
You can pay off your mortgage early with extra payments, with the customized option of a one-off, monthly, or extra annual fees. You also enter multiple additional payment amounts and payment periods, and then the calculator will give you an estimate that you can save on the loan.
The calculator also allows you key in multiple currencies and displays results in the keyed in currency.
Pricing: free
Available on both Android and iOS
Aside from these mobile apps listed, there are a ton of other great mobile apps you can find on Google Play Store or the App store, to help make your job as a mortgage loan officer a lot easier.
Need professional help with your papers? - Visit this writing service supported by the best academic writers.
Copyright © 2013 Wazzup Pilipinas News and Events
Design by FBTemplates | BTT