Do It Yourself Saving Tips: Fix a Leaking faucet and/or pipe

Do It Yourself Saving Tips: Fix a Leaking faucet and/or pipe
If you live in a condo, there's a good chance these two things are true: A handyman charges around Php500 (without parts) for whatever he's going to fix under that sink AND those pipes were less-than-great in the first place.

Of course, if you just moved in, you should call the PMO and ask for that handyman. Because it's still probably under warranty and/or it's under their responsibility (like the pipes from the unit upstairs that leaks and is slowly but surely rotting your ceiling).

However, you'll also find that some enterprising field-master will industriously offer to clean that p-trap of yours while recounting some vague horror story about the same pipe of some other unit owner you've never heard of before. And then charge you 300 for something you can do yourself in 5 minutes or less without any tools whatsoever. Except for rubber gloves, because you know... ick...

How to avail of your SSS benefits

How to avail of your SSS benefits
A while back I posted about why you need SSS if you want to improve your financial future. I still don't think it's a great investment by itself. But being an SSS member does let you have access to bank products.

In addition, SSS benefits are still useful, even if not nearly enough to rely on. But while I mentioned before what benefits are available, I left off how you can avail of them.

And I thought that info might be useful, since there's a lot of bureaucracy involved. At the very least you'll need your SSS ID, pay your contributions, and go to the nearest SSS branch. However, depending on the benefit, there are numerous forms and documents to submit.

Kuwentong Barbero

A while back I recounted some modest yet inspiring (at least to me) tales of entrepreneurship.

And while they were basically snapshots of an ongoing story, sometimes I'm lucky enough to see how it progresses. Like with my barber.

Should You Invest In A Memorial Plan?

Someone asked me about this via email, and I thought it was a good idea to share it here as well. There are a lot of financial products out there to choose from and memorial plans are one of those things you need to at least think about.

But the kicker is: If you thought it was hard to talk to someone about life insurance, just imagine how awkward the conversation is when it's a lot more focused on caskets and burial services.

And essentially that's what memorial plans are: they're a very focused sort of life insurance. It's not that you (or your heirs, rather) get money. You just don't have to pay for any deathcare (yep, apparently that's a word) expenses.

Memorial plans are a good product to buy, but it comes with caveats that deserve some really thorough thinking and planing. Let's start with the pros: