WFH
Direxion Work From Home ETF
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WFH 😎

With the work suspensions or WFH mode in government offices due to the heavy rains, expect some delays in services. The maximum processing days under ARTA for complex transactions is up to 20 days subject to submission of complete information.

Hello! We’re currently eyeing a lot in Kohana Grove Silang, but we can’t find many reviews or information online. Is there anyone here who currently lives in Kohana Grove or knows someone who does? 😊
We’d really appreciate any feedback about what it’s like living in the area, especially:
• **Location/access:** Are there nearby hospitals, schools, groceries, or other establishments?
• **Flooding:** Binabaha ba ang area or yung roads going to/from the subdivision during heavy rains?
• **Internet & signal:** What internet providers are available? Okay naman ba ang internet and mobile signal? Most days kasi WFH kami, so this is important for us.
• **Traffic:** How is the traffic around the area, especially during rush hours? We’ll be onsite 2 days a week.
• **Electricity & water:** Madalas ba mawalan ng kuryente or tubig? What is the water provider, and okay naman ba ang water pressure/supply?
• **Overall experience:** Any pros and cons of living in Kohana Grove that you think potential buyers should know?
We’d really appreciate honest feedback from actual residents. Thank you so much! 🙏

How about a lower stress part time job that has decent health coverage? It doesn't even have to pay a lot...hospitals/healthcare orgs tend to have these in admin/support roles, and some are WFH (like call center). The churn in healthcare is real as a lot of the admin staff are working there while in school for other health professions, so there are frequent openings.

We rented for a few years until we decided to get our own house. Loan lang. Yung monthly amortization is roughly 3k higher than our rent, pero the house is bigger.
Ito yung nakikita kong pros ng renting compared sa buying your own house. And our reasons for still buying anyway.
Pros
1. Flexibility. If anything changes, pwede ka maghanap ng ibang malilipatan. If magdecide ka magtrabaho sa ibang lugar, edi lipat. If makaaway mo yung kapitbahay or landlord hehe edi lipat. If biglang maging bahain, edi lipat.
2. Usually cheaper overall. You typically only pay for rent and siguro yung small repairs (e.g. faucet replacement)
3. Related sa #1, you won't feel "trapped" sa decision mo if shit goes wrong. You can simply pack up and leave. Unlike sa bahay na naka-loan, kailangan mo ipasalo. Or take the loss and hayaan na lang ma-forfeit.
With all those pros, we still decided to get our own house. Kasi hindi naman ganun ka-importante samin yung pros.
1. Flexibility. We both work from home. We don't need to worry (at least we hope so LOL) about getting a job sa ibang lugar kasi we don't really want to work onsite anymore. We've also done our research as far as flooding (asked the residents, townspeople, checked infra projects sa area, checked news of flood, project noah, reddit, etc ). So far nakailang bagyo na, including yung signal #5 last year, and wala naman baha. Of course helpful din talaga na WFH kc we dont worry about traveling to work. Yan yung pinaka-ayoko dati sa NCR eh. Yung lubog na sa baha tapos traffic pero need mo pumasok sa work.
2. Yes it currently costs more. But I personally am not optimistic when it comes to the PH economy. I think in a few years, yung rental cost would exceed our monthly amortization. Plus, the fact that we have more control sa property is good enouth for us to offset the higher cost. Tangina kasi yung nirerentahan namin dati, ang daming bawal. Bawal ang pet. Bawal magpako or magdikit sa wall. Bawal maghalaman sa harap ng unit. Ang dami pa hehe
3. Ito I admit is something na part na talaga ng ownership. Kaya if anyone is thinking of buying a house, please conduct as much research as you can. Wag magpadala sa FOMO. Ang dami kong kilala na kumuha ng bahay tapos pinasalo din in a few months. Kesyo malayo daw sa work, traffic, baha, etc.
Before we decided to proceed sa bahay, we listed the worst issues we could face. Number 1 issue that we identified was water. Primewater kc dito hahahaha. So far medyo tolerable naman (pero siguro it helps din na we set our expectations kaya di ganun kasakit sa bangs). Hopefully things get better since Prime has a new owner now.

>Did the full-time job + forex thing for a few years, and honestly the steady paycheck doesnt remove all the stress.
Unless you are able to WFH....