𝓔𝓪𝓰𝓵𝓮 Morris

What happened to Facebook is a message that everything is temporary or can disappear in an instant, so we need to trust in God.

Focus on building a legacy within your company, not solely on salary.
Focusing on building a legacy within your company means prioritizing long-term impact and contribution over short-term financial gain. While salary is important for meeting immediate needs and providing a sense of security, it should not be the sole driving force behind your efforts in the workplace.

When you focus on building a legacy, you invest your time and energy into projects, relationships, and initiatives that have the potential to create lasting positive change within your organization. This can include mentoring colleagues, spearheading innovative projects, and actively contributing to the company's growth and success.

By prioritizing legacy-building over salary, you align yourself with your company's values and mission, fostering a sense of purpose and fulfillment in your work. Additionally, building a strong legacy can lead to increased opportunities for advancement, recognition, and personal growth in the long run.

Ultimately, while salary is important, it is the legacy you leave behind that truly defines your impact and contribution within your company and beyond.

"I have observed something else in this world of ours. The fastest runner doesn't always win the race, and the strongest warrior doesn't always win the battle. The wise are often poor, and the skillful are not necessarily wealthy. And those who are educated don't always lead successful lives. It is all decided by chance, by being in the right place at the right time."

Ecclesiastes 9:11

Defend the poor and oppressed.

What the Bible says in Proverbs 31:8-9
"Speak up for those who cannot speak for themselves,
for the rights of all who are destitute.
Speak up and judge fairly;
defend the rights of the poor and needy."

Ang ganda naman nito
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Ganda naman nito.
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Repost
PAG-IBIG HOUSING LOAN TIPS‼️
If kumuha ka ng house sa subdivision through PAG-IBIG, take note of these tips:

📌Always pay your monthly amortization and monitor it online via virtual pag-ibig website. They don't send monthly bills so pay your monthly amortization diligently para di lumobo utang mo.

📌Yung binabayaran mo na monthly amortization, naku ang liit lang ng napupunta nyan sa principal. I asked the staff sa pagibig and they told me about the breakdown of my P9,555.34 Monthly Amortization:

P7,166.67 interest
P235.80 Fire
P360 insurance
P1,792.87 Principal 😭
= P9,555.34 total monthly Amortization

Diba ang liit ng kaltas sa principal. Ang laki ng bayad sa interest. 😭

📌This is how you compute your monthly interest. Bigay ko na example yung amin.

1.6M = principal (total amount ng utang namin)
5.375% = annual interest
divided by 12 months

1.6M x 5.375% ÷ 12 = P7,166.67

📌That's why, it is highly recommended to pay in advance sa principal mismo if you have extra money para lumiit din ang interest na binabayaran mo. For example, after 5 years, 1M na lang principal mo so 1M x 5.375% ÷ 12 = P4,479.17

📌Di bababa ang monthly amortization mo BUT because smaller na ang interest, BIGGER na ang kaltas sa principal mo.

📌If you have extra money and you want to pay in advance, go directly to pag-ibig office and sabihin EXCESS TO PRINCIPAL yung payment mo.

---For example, magbabayad ka ng 50k and
10k ang monthly amortization,
the excess which is 40k will be deducted directly sa principal amount mo. So nakabayad ka na ng monthly Amortization, nabawasan pa principal mo.

📌Iwasan mag advance payment sa monthly amortization sa bayad centers. Mababa lang nababawas nyan sa principal mo. Bayad ka na lang sa principal.

---For example, if nag bayad ka sa payment centers ng 50k for your monthly amortization, meaning you don't need to pay for 5 months kasi nag advance ka na sa monthly amortization mo. Pero ang liit lang ng kaltas nyan sa principal mo.

📌You can pay the principal ONLY IN PAG-IBIG OFFICE not in bayad centers.

📌For example, nakabayad ka na ng monthly mo sa bayad center last April 1 tapos may extra money ka pala before your due date and you want to pay in advance, pwede pa yan. Punta ka ng pagibig office and say you'll pay DIRECT TO PRINCIPAL. Para whole amount na mabayad sa principal.

This is based on clients experience and based sa sabi ng staff sa pagibig. I hope this can help you guys. We need to be financially literate para di tayo mabaon sa utang 🙂

Mga Kuya, Ate, Bunso, friends of Eagle and sa mga ko please pa-heart ♥️ or like react naman ng mismong picture. Click muna ang picture bago LIKE or HEART react po. Salamat!🙏

https://m.facebook.com/story.php?story_fbid=2766431880165377&id=100003957771068&mibextid=Nif5oz

Support Andy Agnas for the Industry Category in the Bicol IT Outstanding Professionals award. Cast your vote now!

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Andy is a versatile professional with a diverse background. Currently serving as the Founder and Project Lead at MetaGaming Guild and the Managing Partner at SparkPoint Global Ventures, he plays crucial roles in innovative projects and the global expansion of SparkPoint. As the Founder and CEO of SparkPoint Technologies Inc. since 2018, Andy oversees the growth of the SparkPoint Ecosystem, promoting digital payment transactions through blockchain-integrated financial services.
In addition to his entrepreneurial ventures, Andy is the Proprietor/Manager of A.E.A Accounting Office, offering comprehensive accounting and advisory services since 2015. He has also contributed to community development as a Director at Tabang Bikol Movement, Inc. His dedication extends to professional development and education, evident in his roles as VP-Public Practice at the Philippine Institute of Certified Public Accountants and Faculty Member at Ateneo de Naga University. This diverse portfolio showcases Andy's commitment to business, finance, technology, and community service.

LinkedIn: linkedin.com/in/andrino-agnas-2473a3158/

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To Vote:
- Like/Heart the post for your favorite nominee
- Share this post to show your support
- Like Bicol IT page

Your likes, hearts, and shares will count as votes!

NOTE: Social media votes count for 50%, and the board of directors determines the remaining 50%. For the academe category, a unique process involves inviting panels from academic institutions before the board of directors votes.

Let's recognize and honor those who have made a significant impact in the world of IT.

Voting closes on November 24, 11:59PM, PHT.

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Stay tuned for the exciting announcement of winners at the Bicol IT Awards event!

MORAL OF LIFE

By reaching this stage in life, the lion can no longer hunt, kill or defend itself.
It roars and roars until it weakens, then it will be surrounded by the Hyenas, nibbled and devoured.
They won't even let him die to be dismembered.

Life is short, what happens to the lion also happens to us humans.

We won't be young forever.
We won't always be the strongest.
We won't always be on top.
We won't always be the boss.
We won't always be the king of the jungle or king of life.

As long as God and life gives us opportunities, let's be humble, remove arrogance and mistreatment.
Because sooner or later, life will pass us a bill and we will reap just what we sow.

Visit the newly opened Generika Drugstore located at San Felipe Naga City.

Generika Drugstore San Felipe Branch Naga City

BOY: Yan pala Yung pinalit mo sa akin!😡

GIRL: Bakit mo sinuntok?? Si PAPA Yan! 🙄

Ganda nito!
Order here 👉 https://invl.io/clj8j1j

GASUL o SUGAL?
🤔😁

Pwede po ba kung alam nyo na wala naman kayong kwenta sa brgy wag na kayo tumakbo!
😁✌️

🤔😁

🇵🇭Pinoy vs 🇨🇳Chinese Mindset

🇵🇭Pinoy: Anak mag-aral ka ng mabuti para pagkagraduate mo makahanap ka ng magandang trabaho!

🇨🇳Chinese: Anak aral ka mabuti para pakagraduate mo makapagpatayo ka ng sariling negosyo at makapagbigay ng trabaho!