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Retirement age in Philippines age 56

Retirement 

1. one day you will retire. You won't be going to work. You won’t have office power any more. No influence or at best, a reduced influence. Your cash flow will also reduce.! Check retirement date on your payslip.

2. Always  go for your 30days annual leave. Whatever you do during your leave, is what you will be doing when you retire. If all you do is to sleep or watch TV, then that’s what you are likely do do in your retirement. Remember the book of Proverbs. A little sleep and a little slumber, so shall your poverty multiply. 

Watching Big Brother Naija will not save you heartache in retirement. Learn a trade or a skill during your leave. It will come handy. Spend your after-office hours learning something. Don’t spend it sleeping, Gossiping, watching TV!! Same goes for your weekend. Make them productive. You will thank yourself for spending your time productively. 

3. Invest for your retirement... your children are not retirement investment. Don’t bank on your children’s support or the support of friends or relations. That’s a BIG risk. It may not happen. Be ready to take care of yourself!! Everyone has his own responsibilities. They won’t be able to help you that much. You will also lose your dignity and respect if you adopt a life of begging. 

4. Start a hobby early in your working days to take you along when you retire. Rearing chicken, farming or own a shop. Acquire marketable skills ( not useless paper certificates) Etc

5. Where shall you retire. Build yourself a home. Don't retire and start to rent a house or refuse to vacate government house. You will be at the mercy of your landlord at a time when your cash flow is not only reduced but unpredictable!!

6. Who shall be your dependants. By the time you retire, your children should be above 18, and self reliant.

7. Don't retire and stay in a big city unless you can TRULY afford it. You can't continue living in a big city after 60 with limited financial resources. The language and the hustle will be hard for you. Where possible, Relocate to a less expensive town where your reduced take home (pension) can go further. 

8. Have property which can be rented or converted into cash. Have shares that pay good dividends. Plant cash trees. Rear goats, cultivate vegetables etc. these activities will not only give you income but will also keep you healthy. 

9. Live a simple life. If you never built a house at your rural home, dont use your retirement package to build. It is unwise unless you plan to live there on a permanent basis or you are super rich and therefore can afford the luxury. The choice is yours. 

Note that many of retirees die early because of the following: 

1. They are Not mentally prepared to retire.

2. Lack of finances

3. They Lapse into Depression

4 They develop Hypertension/ Diabetes because of worries, anxiety and uncertainty "and financial pressures. 

YOUR DESK AT YOUR WORK PLACE IS NOT PERMANENT. PLAN  FOR YOUR RETIREMENT.

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Re: INHIBITION FROM DELIBERATIONS and VOTING on ABS CBN Franchise Bill

Ayon ky  atty.larry Gadon

 ako ng sulat sa Senado , upang hikayatin ang mga Senador na mag inhibit sa pagdinig at sa pagboto sa Prangkisa ng Abs Cbn. Ito ang nilalaman ng aking sulat :

PHILIPPINE SENATE

Republic of the Philippines

Senate Building , Pasay City 

 

For : Hon. Vicente C.  Sotto, III 

         Senate President

Re:  INHIBITION FROM DELIBERATIONS and VOTING on ABS CBN Franchise Bill

 

Date: May 18, 2020

Xx - - - - - - - - - - - - - - - - - - - - - - - - - - x 

Ako po ay lubos na gumagalang na nagbibigay ng mungkahi na naglalayon ng  pag inhibit ng mga sumusunod na Senador na makilahok  sa mga debate at botohan sa pagbibigay ng Prangkisa sa Abs CBN Corporation o sa ABS CBN BROADCASTING CORPORATION  o ano mang kumpanya na may kinalaman at koneksyon sa ABS CBN. Ang  mga Senador na  ito ay may alegasyon na hayagang alam ng publiko na nakikinabang pati asawa  o kapamilya sa ABS CBN bilang stockholder , talent , producer o iba pang interes, sa ABS CBN Channel 2 , TV Plus , Skycable , Radio at iba pang media na pag aari ng ABS CBN . 

1.     Senator Pangilinan – Spouse is stockholder , Talent of ABS CBN with many years of broadcast , movies are shown earning fees and royalties

2.     Senator Cayetano – The law office Cayetano Sebastian , is  one of the law offices retained by ABS CBN , the law office where the late Rene Cayetano was founder and partner and Senators  Allan Peter and Pia are also either partners or associates , Sebastian is husband of Pia Cayetano . The late former Senator Rene Cayetano had a long running television and radio show COMPANERO in ABS CBN

3.     Senator Paquiao – Receives fees and royalties from boxing fights , had a tv show in ABS CBN

4.     Senator Lapid – Stockholder , Talent with latest show Probinsyano where he received talent fees and royalties

5.     Senator Poe – Producer of tv show at ABS CBN , mother Susan talent and appears on several shows, Movies of adoptive father are shown over ABS CBN with royalties received

6.     Senator Revilla- Talent , movies are shown in ABS CBN , receives royalties

7.     Senator Angara – Wife works as top executive in ABS CBN

8.     Senator Recto – Wife then actress Vilma Santos had tv shows in ABS CBN , son Lucky Manzano has current tv show 

9.     Senator Sotto – TV show Eat Bulaga in Channel 2 , where he received fees and royalties , Sharon the niece is stockholder and Talent , brother Vic Sotto is talent with movies shown in ABS CBN

 

The pecuniary interest or benefits  of all of the above , in ABS CBN Tv , Radio, Cable , TV Plus , Pay Per view are of undeniable public knowledge and need not be  proven any further .  It is not only for  possible criminal and administrative prosecution for graft that should motivate them from inhibiting but for the  time honored principle of  DELICADEZA that they should heed this humble request and suggestion.

Sa Katotohanan , lahat ng lumagda sa Resolution “expressing the sentiment of the Senate” ay nararapat rin na mag inhibit sa debate at botohan sapagkat meron na sila agad  pagkiling o pre-judgement pabor sa ABS CBN sa kabila ng pag expire ng prangkisa nito at sa mga alegasyon ng mga violations nito  na may sapat na katibayan na sa kasalukuyang nasa petition sa Supreme Court at nasa mga reklamo at resolution ng pag iimbistiga sa House of Representatives.   

Very Respectfully Yours,

 

ATTY. LORENZO G. GADON

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May naidagdag mga Katropa, 2 Senador!

What is the moral argument for the existence of God

What is the Moral argument for the existence of God?

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The moral argument begins with the fact that all people recognize some moral code (that some things are right, and some things are wrong). Every time we argue over right and wrong, we appeal to a higher law that we assume everyone is aware of, holds to, and is not free to arbitrarily change. Right and wrong imply a higher standard or law, and law requires a lawgiver. Because the Moral Law transcends humanity, this universal law requires a universal lawgiver. This, it is argued, is God.

In support of the moral argument, we see that even the most remote tribes who have been cut off from the rest of civilization observe a moral code similar to everyone else's. Although differences certainly exist in civil matters, virtues like bravery and loyalty and vices like greed and cowardice are universal. If man were responsible for that code, it would differ as much as every other thing that man has invented. Further, it is not simply a record of what mankind does"rarely do people ever live up to their own moral code. Where, then, do we get these ideas of what should be done? Romans 2:14-15 says that the moral law (or conscience) comes from an ultimate lawgiver above man. If this is true, then we would expect to find exactly what we have observed. This lawgiver is God.

To put it negatively, atheism provides no basis for morality, no hope, and no meaning for life. While this does not disprove atheism by itself, if the logical outworking of a belief system fails to account for what we instinctively know to be true, it ought to be discarded. Without God there would be no objective basis for morality, no life, and no reason to live it. Yet all these things do exist, and so does God. Thus, the moral argument for the existence of God.

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Contact details below

Pluk.mecusay@gmail.com
09171831173
Mishari Ed S. Cusay
Licensed Financial Consultant
PRU LIFE UK

PRU LIFE UK insurance and investment

Having a life insurance is a good move. If anything happens you’re family will receive an amount that can sustain them.

Having  life insurance is the best choices.

Remember tomorrow is not promise to us

Secured your retirement  now invest in PRU LIFE UK

#insurance 

#Benefits

Contact details below

Pluk.mecusay@gmail.com

09171831173

Mishari Ed S. Cusay

Licensed Financial Consultant

PRU LIFE UK