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Moving can be tough no matter how far you are going. But moving a long distance can add additional stresses and a sense that you are jumping into the unknown. To keep the process as easy and manageable as possible, we've put together some great tips for moving a long distance in SC. 1) Pack […]
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I put my house up for sale with Greenville home buyers.com and I waa really impressed with the smooth way that it was handled I got my asking price I was really glad that I made the call to Greenville homebuyers.com and got aquick respond back. I will use them for any home I have to sell it was quick fast and in a hurry with no hassle. I loved it. They are very honest and very helpful. I was very impressed with the sale and the manner it was handle. I love how it was fast and got the job done. I highly recommend themNorma Emory
Greenville Home Buyers helped me get out of a rough loan on a house my parents previously owned. They do a great job!Walter McDaniel
When my husband passed away in April, after setting with a empty house. I decided that I would go back to my home town so after I closed my house down I received a letter and after thanking about how I could bless someone with my house so I contacted Alden by phone he was really good to help me with the steps into selling my house I was very pleased with the results I received and how fast it was to sell my home I will give the best recommendation to Greenville home buyers Alden you and your staff are a blessing thank you.Leah Nelms
I want to thank Greenville Home Buyers for your professional and courteous staff. When you purchased a house I owned you made an offer I could not refuse. I didn't have to do anything. All I had to do was show up at the attorney's office, sign the papers and receive payment for my house. Everything was done quickly and with no hassle. Thank you, Greenville Home Buyers!Betty Edmond
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Alden Simpson
My name is Alden Simpson. I grew up in Greenville, SC and attended Greenville High School. I studied at Clemson University and earned a bachelor's degree in Management.
In the years since graduating Clemson, I started a business in Duncan, SC. Through the years, the business steadily grew, and I was able to employee a team of hard-working South Carolina residents.
While operating my company, I became interested in Real Estate Investing as a retirement plan. It soon became obvious that my passion was in Real Estate. Fast-forward to present day; I have been able to transfer to being a Real Estate Investor full-time.
Sometimes people don't get a chance in life to pursue their passions. I am blessed to have been able to follow mine.
Recent Posts
- 5 Reasons Why You Shouldn't List Your House In The Winter In Greenville
- How To Sell Your House With Tenants in Greenville
- How To Sell Your House With Code Violations In Greenville
- 4 Myths About Selling Your House To An Investor In Greenville
- How To Get The Best Price For Your Manufactured Home in Greenville


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He was arrested after a clash between PPP, FixIt workers
Police released on Sunday FixIt campaigner and National Assembly member Alamgir Khan after he was arrested in Karachi.
Khan was apprehended following a clash between FixIt volunteers and Pakistan Peoples Party workers at Karachi's Teen Talwar.
A protest was called by the FixIt workers outside Local Government Minister Saeed Ghani's office at Teen Talwar. The PPP workers gathered ahead of time and both groups clashed.
The PPP workers were seen carrying batons, but no weapons were seen in their hands as claimed by the FixIt head.
The police had to intervene in the fight, which also resulted in injuries to a few individuals. The situation was brought under control after multiple arrests.
Police apprehended Khan when he arrived at Teen Talwar, but released shortly afterwards.
He was again arrested when he reached Karachi's Frere police station to inquire about arrested FixIt volunteers. He was later released on bail at 11pm.
Meanwhile, police lodged an FIR nominating 38 individuals, including the FixIt head. They were booked for rioting and assaulting police personnel.
Khan, before being arrested, said that FixIt campaigners were staging a demonstration against water and sewerage issues.
He alleged that the ones involved in violence were PPP supporters. "They were also the ones clashing with the police."
Sindh Minister for Local Bodies Saeed Ghani rebuked FixIt campaigners, saying that "there are ways to record protest".
"They drew pictures on manhole covers, they stage cheap protests," the minister complained.
Ghani also visited arrested PPP workers locked up at Defence police station. He termed the arrest of workers "unjustified", saying that they were not going to be scared by lock-ups.
The Sindh minister said they would approach the courts for the release of their activists.
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SrgtGreen Sep 21, 2019
Haha I'm making an injured marine also!
81Ceta_Deta Sep 14, 2019
@ShlubCustoms, wow! Thanks.! If i do i wont blame you.
ShlubCustoms Sep 14, 2019
Fair warning: This method will either clean the figure entirely, or dye any affected rubberized part entirely red. I lost a Warmaster that way. I decided to try the blackwashing with a Sharpie method and the figure's helmet and arms turned a shade of brick red (it was green before). That's why I recommend changing the hand sanitizer and changing the liquids frequently. I let my figure sit for the whole time period and the color in the liquid dyed the rubber parts after it came off of the figure. So fair warning. If you try this method you could seriously damage the figure, so please be careful and don't blame me if anything happens.
ShlubCustoms Sep 14, 2019
There are a couple things you can do, although the rubberized parts tent to be stained by Sharpies, not colored. For starters, disassemble the figure and place all of the colored parts in hand sanitizer for around 24 hours. This will begin the process of leeching off any of the easily removable color. You may want to stir it with a toothpick or stray or something every couple hours if the sanitizer is getting cloudy. Afterwords, remove it from the sanitizer and rinse the parts off (or clean them by hand with a wet cloth if you don't have a mesh sink drain cover to stop stuff from being lost). Then, place the parts in a disposable cup/bowl and entirely submerge them in about an inch of 70% Isopropyl Alcohol solution. Change the liquid for new every two hours, or whenever you see it getting cloudy. Let it sit for around 3ish days or until the part is clean. Running out of length, so let me type a second comment.
nigelninja11 Sep 13, 2019
Rip. Perseverance is key.


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There are two tests that you need to pass in order to gain a full driving licence and Ace Driving School Loughborough is here to help you every step of the way.
The theory test consists of two separate parts which have to be taken on the same day.To find out more, click here
The practical test has 5 parts, for which you will be driving for around 40 minutes.
There are 5 parts to the driving test:
1. an eyesight check
2. 'show me, tell me' vehicle safety questions
3. general driving ability
4. reversing your vehicle
5. independent driving
The test is the same for both manual and automatic cars.
You'll drive for around 40 minutes.
You'll drive for around 70 minutes if you're taking an extended driving test because you've been banned from driving.
You'll have to read a number plate from a distance of:
1. 20 metres for vehicles with a new-style number plate
2. 20.5 metres for vehicles with an old-style number plate
New-style number plates start with 2 letters followed by 2 numbers, eg AB51 ABC.
You will fail your driving test if you fail the eyesight check and the test will end.
You'll be asked 2 vehicle safety questions known as the 'show me, tell me' questions.
These test that you know how to carry out basic safety checks.
You'll drive in various road and traffic conditions, but not on motorways.
The examiner will give you directions that you should follow. Driving test routes are not published, so you can't check them before your test.
Pulling over at the side of the road
You'll be asked to pull over and pull away during your test, including:
The examiner will ask you to do one of the following exercises:
You'll have to drive for about 10 minutes by following either:
The examiner can show you a simple diagram to help you understand where you're going when following verbal directions.
You can't use a satnav.
If you can't see a traffic sign (eg because it's covered by trees), the examiner will give you directions until you can see the next one.
Forgetting the directions
You can ask the examiner to confirm the directions if you forget them. It doesn't matter if you don't remember every direction.
Going off the route
Your test result won't be affected if you go off the route, unless you make a fault while doing it.
The examiner will help you get back on the route if you take a wrong turning.
If you make mistakes during your test
You can carry on if you make a mistake. It might not affect your result if it's not serious.
The examiner will only stop your test if they think your driving is a danger to other road users.


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Clearing your debt can take dedication, discipline and hard work, but it's a great feeling once accomplished. However, now that you know how easily you can slip into debt, and the effort involved in getting out of it, you'll probably think twice about getting back into debt.
Here are five simple but effective habits you can develop to help you manage your finances, and keep your bank balance out of the red.
1. Budget in the areas you're vulnerable in
Take a moment to think about where you're most at risk to fall back into debt. Do you put too much of your retail therapy on account or are you too free and loose with your credit cards? And then budget in those areas if you aren't already in the habit of budgeting in general. For instance, if the mall is a dangerous playground for you, allot yourself a certain amount you can spend in a month. If you're partial to indulging in too many expensive toys, decide very carefully if it's something you need or just want.
2. Have emergency savings
You can unexpectedly fall into debt with those little (or not so little) emergencies that creep up. Like your child needing dental work or your car going into the shop. Unfortunately life throws these curve balls at us, and unless we make some preparations for them they are a sure fire way to get back into debt.
It's a common misconception that you need to be making a lot of money before you can start saving money. So begin building up your emergency reserve today.
3. Pay cash and use credit only with a plan
Always pay cash. It's a simple enough habit though it might be hard for those used to paying on credit. Doing so though will eventually retrain the way you think about your money. In other words, you'll come to think that if you don't have the cash for something, than you can't buy it at that point in time. And that's not the end of the world.
If there is a situation where it's absolutely vital that you put something on credit, make sure you have a plan. Work out how long it will take you to pay the amount back, how much interest you will be paying altogether, and how to pay it off as soon as possible.
4. Always know how much money you have
This may seem simple, but keeping track of how much money you have in your bank account and wallet at all times is a great habit to curb your spending. If you don't know how much money you have, the tendency is to think you have more available to you then is really the case, so you end up spending more than you realise. Keeping tabs on how much you have will help keep unnecessary spending in check.
5. Don't keep a lot of money on you
This one is also very simple. The more money you have available to you, the more you will spend. So when you go shopping, only bring the amount you need and no more. (It goes without saying, but obviously this point wouldn't work if you're swiping with your card.) Only keep small amounts in your wallet, and leave the rest either in the bank or in a safe place at home until you need it.


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Description: Bella and Alexandre are going to be models for automobile fair. They need to look fabulous while they are sit for the customers. You can pick one of the trendy costumes for them and help them to finish their make up!
Game Source: Internet.
All copyrights and trademarks of this game are held by owners and their use is allowed under the fair use clause of the Copyright Law. If you believe we violating your copyrights, please advise us email@example.com in order that we can solve the problems.


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So, it's tough out there for the Albatross. Foraging bouts lasting days and covering thousands of miles, stormy seas, tiger sharks etc.
However, we the capitalist Uber-consumers make it worse. Much Worse.
This Albatross chick is surrounded by Vebensina sp, an invasive that was introduced during the European invasion of the Northwestern Hawaiian Islands. The plant grows fast in the summer creating a canopy around the chicks. This has several consequences:
1) Parents may have a difficult time finding and feeding their chicks
2) Nesting density in decreased in areas with the invasive plant. This is a big deal when the
nesting colonies are located on islands that are only a few acres in size.
3) Chicks like this one are not able to stretch, and flap their wings. This practice is crucial for
chicks that have a chance of fledging.
This particular chick was daylighted during an intensive ecological restoration effort. (weed pull)
Another problem associated with the European Invasion is the Mosquito. They spread avian pox, which although not usually lethal has the potential to deform the eyes and beaks of infected chicks. The Albatross did not evolve with this pressure, and have no natural defence. Occupation of these remote atolls by people increases the pooling of fresh water (in our piles of garbage), and in turn the number of mosquitos.
Albatross eat our plastic. This decomposing carcass is barely recognizable. It will soon turn to dust. The plastic will be there forever, maybe even be consumed by a curious chick that is unfortunate enough to walk by.
All Albatross eject a bolus before they fledge. Alot like an owl pellet, it contains the undigestible parts of their diet. Things like squid beaks. There is one squid beak visible in this bolus which is comprised mainly of plastic. The Albatross whos cause of death is known to be plastic impaction have an average of 1.5 oz. of plastic in their system. The average amount of plastic in an Albatross that fledges from Midway is 1.0 oz.
Albatross eat squid, flying fish eggs etc. These things float on the surface of water like plastic. This stuff was all brought to Midway by Albatross parents.
So was this stuff.
And this stuff. SO, I think to myself, I don't throw my garbage in the ocean, I am not resposible for this. Then I remember that awesome seared Mahi Mahi I had once, and think about the fisherman I support who does throw his garbage in the Ocean. Ever taken a cruise, before recent legislation, they threw all their crap overboard too. Ever shop at Walmart. Capsized cargo vessels on their way from Asia to the U.S. heavily supplement the plastic eaten by the Albatross. Childrens toys for example are unusually common.
This unfortunate chick is one of many called "droop wings". They have lead poisoning from eating the lead paint chips peeling off the "historic" navy buildings left over from the war days. It will not survive. It has been estimated it would cost the government around 4-5million dollars to fix this problem permanately by removing the lead paint. Lets take a moment to think about what we currently spend our tax dollars on. Remember "Shock and Awe"? God Bless America!
To end on a positive note. Many Albatross like this black-foot will survive, live for decades, and possibly provide some of the inspiration for the change we need.
Saturday, June 27, 2009
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Funnel marketing is becoming very popular with the pace of time and technology. In funnel marketing, there is no binding of spending a specific amount of dollars in a specific time like Facebook. Here in this sector, you can send mail to the target audience as long as you want. Since there is no other cost than the automation software fees in the funnel marketing, it is a very popular marketing method for all digital marketers.
You would be able to do your marketing tasks manually in this method but it is very time-consuming. The amount of work you can do in one day with automation software will take several years to work manually. There are several types of software for funnel marketing by which you can create, monitor and optimize funnels.
In the best sales funnel software review, we would like to discuss for 10 automation software. With the help of this software, you will be able to become the perfect funnel marketer. We will have a detailed discussion about the activities, featur
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What We Know,What We Need to Know
Girls today get their first periods, on average, a few months earlier than did girls 40 year ago, but they get their breasts one to two years earlier. Over the course of a few decades, the childhoods of U.S. girls have been significantly shortened. What does this mean for girls today and their health in the future? We know that early puberty is a known risk factor for breast cancer and other mental and physical health problems. We need to better understand what's causing early puberty so that we can protect the health of our children now and as they age. This companion guide to The Falling Age of Puberty report by Sandra Steingraber, Ph.D., highlights some key findings and recommendations.
and pubic hair (pubarche).3,4 For example, in 1970, the average age of thelarche was 11.5 years. Thirty years later, it had fallen to just under 10 years for U.S. white girls and just under nine years for black girls, with a significant portion starting breast development before age eight.4 Studies have shown that the earlier girls enter puberty, the more likely they are to experience negative physical and mental health consequences. Some girls who mature earlier do not experience any of these negative outcomes, however.
EARLY PUBERTY HAS BEEN SHOWN TO RAISE THE RISK OF: · Breast cancer · Polycystic ovary syndrome
In recent years, there have been cases highlighted in the media of children entering puberty as young as age five. The onset of puberty-- for both black and white girls--shows signs of a continuing decline as measured by the appearance of breasts (thelarche)
· High-risk behaviors in later adolescence like smoking, drinking, drugs, crime and unprotected sex · Violent victimization · Psychopathologies like depression and anxiety · Conduct disorders and delinquency · Lower academic education
Sandra Steingraber's
Possible Causes of Early Puberty
Obesity · Hyperinsulinism · Rapid weight gain · Fat is estrogenic
· In utero exposures · Environmental obesogens · Phthalates, Bisphenol A, dioxin, etc.
Possible Consequences of Early Puberty*
· Depression · Eating disorders · Suicide attempts
Television Viewing/Media
· Lowers melatonin production; · Sexualized imagery
· Early drug abuse · Early alcohol abuse · Physically and violently victimized
Physical Inactivity Obesity can lead directly to these outcomes · Physiological stress response · Pheremones?
Psychosocial Stressors · Father absence · Family dysfunction · Abuse, etc.
· Teenage sexual activity (possible teenage pregnancy) · Conduct disorders/ delinquency
Preterm Birth/ Low Birth Weight Formula Feeding
· Hyperinsulism · Rapid weight gain
Early Puberty
Increase lifetime exposure to estrogen
· Lower academic education
Later Life Diseases · Polycystic ovary syndrome
· Overweight · Mother's milk protective · Soy?
Environmental/ Chemical Exposures e.g., endocrine disruptors, dioxin, PBB, phthalates, Bishpenol A, pesticides, estrogenic creams, tobacco smoke, hormones in meat and milk
· Shorten gestation time · Lower birth weight · Increase obesity risk · Disrupt HPA and HPG axes
Lengthens vulnerable window between first period and first pregnancy
Breast Cancer
* This is a list of risk factors taken from the early puberty literature by studying girls at the population level. Many early maturing girls do not experience any of these negative mental and physical health outcomes.
puberty increases breast cancer risk but there are some clues. We know that early puberty is associated with an increased exposure to estrogen (which raises breast cancer risk) and that early puberty expands the window of vulnerability for breast cancer development between first menstruation and first First menstruation before age 12 pregnancy. As an organization raises breast cancer risk by 50% focused solely on identifying and compared to menarche at age 16.2 eliminating the environmental links to the disease, the Breast Cancer Fund is especially concerned girls are when they get their first about synthetic chemicals that act like periods, the greater their risk of breast estrogen, which may be adding to cancer later in life. In fact, first menstruation (menarche) before age 12 lifetime exposure and contributing to an increased risk of breast cancer. raises breast cancer risk by 50 percent 2 compared to menarche at age 16. We need to better understand the he mission of the Breast Cancer Fund is to identify-- and advocate for the elimination of -- the environmental and other preventable causes of the disease. Early puberty is a known risk factor for breast cancer. The younger causes and effects of this relationship
and, as a community, ask the question: Is early puberty an inevitable phenomenon that is outside of our control and therefore a non-modifiable risk factor for breast cancer? Or, will greater understanding lead to interventions that can reverse this disturbing trend? The Breast Cancer Fund commissioned The Falling Age of Puberty to answer this question and further examine the reasons for the declining age of puberty in U.S. girls. It reviews the published literature in a dozen fields of study and describes the state of the evidence for possible contributing factors and the mental and physical health consequences of early puberty.
It is not completely clear how early
Like breast cancer, early puberty is caused by a combination of factors. The interactions among these factors can be quite complex. As an example: We know that endocrine-disrupting chemicals are a possible cause of early puberty but we also know that exposure to these chemicals in utero1 or early in life can also lead to low birth weight and obesity, which are themselves possible causes of early puberty.
Obesity: Obesity disrupts the
endocrine system and chubbier girls tend to reach puberty earlier. But, obesity is a consequence of early puberty as well as a possible contributor, adding to the complexity of studying this phenomenon. therefore raise the risk of early pubarche. In addition to other factors, a pregnant woman's chemical exposures can directly affect her developing child, in some cases leading to premature birth and low birth weight. needed to clarify the role of breastmilk in pubertal development.
Endocrine-Disrupting Chemicals: Exposures to endocrinedisrupting chemicals we come into contact with regularly are also playing a role in accelerating puberty in girls. These include chemicals we are commonly exposed to in cosmetics, shampoos, cleaning products, baby bottles and children's teething toys.
Psychosocial Stressors: These stressors, including the absence of a father in the home and family dysfunction, also disrupt the endocrine system and are possible contributing factors to early puberty. The mechanisms behind these psychosocial stressors are not yet clear. Formula Feeding: Breastfeeding appears to protect against early puberty in two ways: by contributing fewer calories than formula and by offering hormones and other growth factors that may protect against early puberty. Further study is
Physical Inactivity: Leanness and exercise together appear to protect against early puberty. While it is difficult to sort these two factors out in studies, there is enough evidence for us take preventive action now. Television Viewing and Media Use: Little is known about the effects
of sexualized media content on pubertal timing in girls. But, increased time in front of the television or a computer can lead to obesity and physical inactivity, both factors directly contributing to early puberty. Additional research is needed to explore the mechanisms by which chemical signals in the brain may disrupt pubertal processes.
Premature Birth and Low Birth Weight: Both premature birth and low
birth weight alter endocrine function and
ewer than 10 percent of breast cancers occur in women with a genetic history of the disease. Even when all traditional risk factors -- including genetic predisposition, reproductive history, diet, exercise and alcohol -- are aggregated, more than half of all breast cancer cases remain unexplained. A growing body of scientific evidence suggests that exposures to toxic chemicals in the environment are not only contributing to high breast cancer rates but also to the earlier arrival of puberty in girls. Here are three key findings that emerged from The Falling Age of Puberty.
Our children are not adequately protected from harmful chemical exposures.
Early puberty is hitting some girls harder than others.
We need to reach beyond our own communities and work together to address the falling age of puberty.
All of the possible causes of early Breast cancer prevention Recent studies have shown that puberty discussed in the report advocates need to work closely the amount of natural hormones obesity, television viewing, with colleagues in children's that a child produces is much less physical inactivity, psychosocial health, women's health, and than previous research showed. stressors, low birth weight, environmental health and build This changes how we think about the potential Scientific evidence suggests that exposures to toxic chemicals in the impact of a environment are not only contributing to high breast cancer rates synthetic chemical in but also to the earlier arrival of puberty in girls. a child's new collaborations with body: even a tiny amount could formula feeding and chemical specialists working on the have a huge impact if, for exposures hit poorer nutritional, behavioral and example, the amount of synthetic communities and communities of psychosocial contributors to chemical is roughly the same as color the hardest. These are early puberty. As the report the amount of the naturally communities where poverty, racism, unemployment and states, "The problem with occurring hormones. This has exposure to toxic substances are problems that cross multiple implications for setting safe levels high and access to nourishing food environmental media is that they of chemical exposures for our and safe places to exercise is low. fall between regulatory and children. The report describes As report author Sandra activist cracks. On the one hand, puberty as a delicate process that Steingraber noted, "...early addressing all the root causes is inherently susceptible to puberty is not only a women's simultaneously raises the risk for disruption. To stop early puberty issue (because it disproportionately programmatic and regulatory we need public health protections affects girls) but it is a class and fragmentation and leads to that protect the most race issue as well." To address this inertia. On the other hand, vulnerable--our children--from disparity, we need interventions addressing one problem harmful chemical exposures and and responses to early puberty that at a time does not begin to err on the side of precaution. acknowledge that low-income, unknot the tangle of its overweight, girls of color are most interrelated causes." at risk.
the holes in the science of early puberty. These include:
Basic Science There are important areas of scientific exploration that need to be addressed for us to better understand early puberty. These include exploring the mechanism behind the initiation of puberty, the role of signaling devices like hormones and enzymes, the impact of chemical exposure during pregnancy and the effect of breastfeeding on endocrine system development. Epidemiology We need large studies that follow girls from conception to adulthood like the National Children's Study, mandated by Congress in 2000 but not yet fully funded. Studies like those in the National Institute of Environmental Health Sciences and National Cancer Institute-funded Breast Cancer and Environment Research Centers will contribute to our understanding of obesity and pubertal onset but also need to look at the role of endocrine-disrupting chemicals. Chemical Testing Chemicals are not tested for their ability to disrupt the endocrine system before they are allowed into the marketplace. The Environmental Protection Agency's Endocrine Disruptor Screening Program, mandated by Congress, is eight years behind schedule and not one chemical has been screened to date. We need this screening information in order to reduce the public's exposure to these chemicals. Chemical Tracking We also need to know more about the sources, emissions and fate of endocrinedisrupting chemicals in commercial use in order to reduce exposures. We need full disclosure of ingredients in consumer products, especially children's products. We need more complete inventories of emissions and better monitoring of air, food and drinking water. The Toxic Release Inventory was one good example of chemical tracking but it has been significantly weakened. Biomonitoring Biomonitoring, or measuring the pollution in people, helps prioritize research on emerging chemicals of concern by identifying which chemicals are in our bodies. While the U.S. Centers
What We Need to Know. There are areas of research that need to be supported to fill
for Disease Control and Prevention (CDC) biomonitors a national sample of the population for chemical contaminants, it collects very little information on infants and children and cannot be disaggregated in a way that would give us a snapshot of chemical exposures at the state or local level. The California Environmental Contaminants Biomonitoring Program will address some of these gaps and build a replicable model for other states interested in creating their own statewide biomonitoring programs.
What We Can Do Now.
There is enough evidence of direct and indirect contributing factors for us to take action now to prevent early puberty. These include:
Combat childhood obesity by promoting breastfeeding early in life and supporting school-based healthy school lunch and obesity prevention programs for older children. Support efforts to improve access to healthy foods in urban, low-income areas through the creation of farmers' markets and community gardens.1 Eliminate fetal exposures to toxic chemicals in our everyday lives like tobacco smoke, chemical solvents and mercury. Support a ban of endocrine-disrupting chemicals such as bisphenol A in baby bottles and phthalates in children's teething toys. Support organic agriculture at home and in schools to reduce exposure to hormonallyactive pesticide residues, animal hormones and antibiotics, and to protect watersheds from contamination.
The Falling Age of Puberty provides a clear call to action for comprehensive public education, corporate accountability campaigns and legislative advocacy efforts. In addition to fully supporting the author's recommendations inside, the Breast Cancer Fund also advocates for:
Innovative Policy Solutions. Of the possible causes
of early puberty, some can begin to be addressed with public education and public health interventions. For other possible causes--like chemical exposures, low birth weight and obesity--broader, innovative policy solutions are required at the state and federal levels.
broad-based coalition efforts to strengthen the regulation of chemicals in California and across the country.
Corporate Accountability. The Breast Cancer Fund is
committed to eliminating environmental exposures to carcinogenic and endocrine-disrupting chemicals --many that mimic estrogen in the body and can contribute to early puberty--through corporate accountability campaigns. As we have seen through the Campaign for Safe Cosmetics, companies can be a part of the solution and consumers can help move the market by focusing their purchasing power on non-toxic products. Visit www.safecosmetics.org for more information.
Chemical Policy Reform. In the United States,
government regulations do not adequately protect us from radiation and harmful chemicals in the environment and in the products we use. We need to reform chemicals policy at the state and federal levels. The Breast Cancer Fund is active in
Tell your state representatives that healthy children become healthy adults and deserve our protection. Support state legislation
that reduces children's exposure to chemical contaminants, like California's efforts to ban toxic chemicals from baby bottles and children's toys. To see more examples and get active in your state, visit www.breastcancerfund.org/toolkit visit www.cosmeticdatabase.org. See how easy, everyday actions can reduce breast cancer risk at www.pureprevention.org.
Insist that the federal government invest in our children's health. There is important work that
needs to move forward for us to better understand how early life exposures can lead to early puberty, later-life breast cancer and other diseases. The National Children's Study is just one example. Tell your representatives to support these efforts and invest in public health programs that will prevent disease, not just treat it.
Protect the ones you love. Be sure that the children, parents and pregnant women in your life know that chemicals found in household products and personal care products can disrupt the endocrine system during critical stages of development and contribute to the early onset of puberty, among other health problems. For more information on creating a healthy home, visit www.healthychild.org. Get active in your community. It will take all of us working together to address the possible causes of early puberty--there is plenty for each of us to do. The Breast Cancer Fund focuses on eliminating chemicals linked to breast cancer (www.breastcancerfund.org), others are advocating for more breastfeeding (www.safemilk.org) and still others are pushing for more physical activity for kids in schools (www.healthyschools.org). How will you be a part of the solution?
Be an informed consumer. Whenever possible,
purchase products made from safe alternatives to harmful chemicals. You will be protecting the quality of our air and water, the health of your family and the health of future generations. To find safe personal care products,
1 Foxhall K, "Beginning to Begin: Reports from the Battle on Obesity," American Journal of Public Health 96 (2006): 2106-2112. 2 Grumbach MM and Styne DM, "Puberty: Ontogeny, Neuroendocrinology, Physiology, and Disorders," in Larsen PR et al., eds., Williams' Textbook of Endocrinology, 10th ed. (Philadelphia: Saunders, 2003), pp. 1115-1286. 3 Muir A, "Precocious Puberty," Pediatrics in Review 27 (2006): 373-81. 4 Parent AS et al., "The Timing of Normal Puberty and the Age Limits of Sexual Precocity: Variations Around the World, Secular Trends, and Changes after Migration," Endocrine Reviews 24 (2003): 668-693.
[email protected] | (415) 346-8223 | 1388 Sutter St., Suite 400 | San Francisco, CA 94109
The Breast Cancer Fund gratefully acknowledges the following foundations for supporting the production and printing of this report: Betsy Gordon Foundation, the Heinz Endowments and the Jenifer Altman Foundation.
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Pag-ibig Membership
Pag-ibig Savings / Investment
- Compare Pre-Need, Pag-ibig MP2, SSS Flexi-Fund Sep 2013
- SSS Flexi-Fund vs. Pag-ibig MP2 — Which Is a Better Investment? Feb 2013
Pag-ibig Retirement
- Pag-ibig Retirement in the Philippines — Process Your Claims Quicker Feb 2010
- Pag-ibig Retirement Linked to Pag-ibig Housing Loan Jan 2011
Pag-ibig Death Benefit
Pag-ibig Branches
Hi Joana, call Pagibig 8724-4244 or mag-chat ka sa website: pagibigfund.gov.ph
Joana Llego
HI po ask ko lang , nag loan po asko sa pag ibig . nag text pag ibig sakin confirming my loan at sabi credited na sa bank acc ko . however po almost 1 week na pero wala parin laman ang bank acc ko . anu pong gagawin ko ? pleaseee help
Evangeline b afdal
Gusto kopong malamang kung registered po ung binayaran kona 300php bago po ako umalis ng pilipinas
standly solitas
hi po, tanong ko lang po pwede mag file sa pag ibig na operahan po siya ng kidney kasi na damage yung kidney dahil na disgrasiya sa motor po.
thanks po.
Hi Nestor, first, icheck mo yong BPI loan docs mo and see what it says about prepayment or refinancing. Know also your outstanding loan balance. Puede ang refinancing sa Pag-ibig, pero ang maganda, pumunta ka muna sa Pag-ibig, preferably sa Shaw Blvd Mandaluyong branch, to ask about your specific loan, so you will know if their interest rate for your planned loan amount is lower than your current bank rate. Their low-interest loan is only for up to 750k and only for those earning not more than 17.5k a month. Rates for their higher loans range from 5.5 to 10%, maybe higher now. Does your condo unit has a title already under your name? even if the original is held by BPI Family? I'm asking because many condos don't yet have titles, only deeds of absolute sale. Pag-ibig requires the title under your name.
Hello po. I have a prevailing housing loan (condo) with BPI family savings. It is now on its 8th year (15 year loan). Can I still transfer this loan to Pag-ibig? Thanks.
Hi Jun P.
Salamat po.
jun p.
Hello Edel
Ang mai-advise ko sayo ay magpunta na lang sa pinakamalapit ng Pag-Ibig branch at magpa-verify ng records nila tungkol sa dati mong loan kung meron man.
Hi po.
Nag inquire po ako sa Pag-ibig kung pede na uli ako mag loan. kasamaang palad may existing daw akong loan na di ko daw na hulugan eh di ko naman po maalala na nag loan uli ako sa pag-ibig. ano po dapat kong gawin?
jun p.
Hello Glenn,
Tila kulang ang impormasyong binigay mo. Sabay bang namatay ang mga magulang? At kailan namatay?
Hi Sir Jun Good pm ask po ako kng pwedi mag claim ang mga anak kasi both na po patay ang mga magulang nila pero may mga sss pag ibig po ang mga magulang, thanks
jun p.
Hello Cresilda,
Magsadya ka sa pinakamalapit na PagIBIG MSB (Members Services Branch) para macheck mo ang iyong records at ID No. Hingi ka na rin ng printout ng iyong PagIBIG ID. Mabilis lang yun.
Cresilda velasco
Hi po pd ko pong malaman ang number ko s pagibig kc ang pagkakaalam my number napo ako.kaso po nakalimutan ko ung nbe ko.salamat.baka mga 2008 or 2009 yon
jun p.
Hello Leziel
Kung ikaw ay registered member ng Pag-Ibig meron ka MID number na kakailanganin mo tuwing ikaw ay mag-transact sa Pag-Ibig.
Paano ko po malalaman n member ako ng pag ibig kc po work abroad po ako at nag fill up po ako ng papers non bgo ako umalis
jun p.
PAG-IBIG Fund currently offers one of the lowest, IF NOT THE LOWEST RATES, in the market today.
Here is a summary of prevailing interest rates on its housing and short-term loans as published in the Nov. 25, 2018 issue of PhilStar.
Socialized Housing Loan up to 580,000 Pesos – 3% per annum
Regular Housing Loan up to 6 Million Pesos – 5.375% per annum
Cash Loan (Multipurpose)- 10.5% per annum
Cash Loan (Calamity) – 5.95% per annum
As Pag-Ibig member, one can avail of these for only 100 Pesos mandatory monthly contribution (no increase since 1982 !) . Something to consider and think about.
hi maam tanong ko lang po gano po katagal maclaim ang death benefit?thank you and god bless
good pm pwede na po ba mairefund ang contribution ko sa pag ibig? hindi ko nman po kasi nagagamit since na nag start akong mag work. thank's and god bless!
Marevic Pasana vinteres
Gud pm po paano ko malalaman yung pag ibig number ko kasi po nagtrababo ako ng 5years at tumigel n po ako ngayon,gusto ko ituloy to ngayon pero hndi ko po alam yung pag ibig number ok anu dapat ko Gawin salamat po.
Hi good evening.naaksidente po kasi ako.temporary po ako ngaun na hindi nakakapagtrabaho since aug.06 2017 up to now. Above 10 years na po ako naghuhulog sa pag ibig.ask ko lang po kung may benefits ang mga members for temporary disability payment or partial payment.thanks
claro b.flores
Gud am po ask quh lng po kung paanu mkuha ung pagibig identification number ..ngtxt n po kc ung pgibig tpos tnxt quh po ung number n bngay dun paanu po un?
Baby jade lambus
Good day po ask ko lng po kng pd koko png ifile ang death claim ng asawa ko he died last july 2 2017 pero wala po akong valid id nya mtgl n din syang d nkhulog s pag obig..wala din syang khit anung loan s pag ibig kasal kmi at my mga anak peru d xa change status?
Pd ko pbang ifile?
Hi good afternoon itatanong ko lang nag online membership ako tapos may natangap ako #RtN tapos may nag tex sakin na itex ko daw yung Rtn at bdy send sa bunigay na # para masend sakin MID# pero mag iisang bwan hangang ngayon wala parin akong natatangap na tex anu po gagawin ko hindi po ako makapag hulog kasi inaantay kopa yung MID# ko kailangan kona ba pumunta ng brach?
Hi Ms. Nora,
Good Day po, salamat po pala sa mga answer nyo sa query ko doon sa SSS. sa ngayun eh naipag papatuloy ko na po ito ulit.
ngayun naman po i have question about pag ibig, actually wala pa ako gano idea about it pero dami ko nababasa kase na maganda daw yung MP2 nila. but then of course kailangan daw active member muna bago ka maka enroll. i am still trying to do some research ng mga benefits pero mas focus ako doon sa MP2 nila.
sa website nila may isang illustration which a sample kung magkano ang pwedeng maging halaga ng pera mo after maturity.
ngayun since bago ako sa mga ganito, hindi ko alam pano nila na compute using the dividend percentage.
based sa illustration nila like ang monthly contribution mo ay PHP500 and in 5 years and kabuoang pera mo na ay magiging PHP34,484.17 with 5.5% dividend daw at PHP36,202.34 naman daw kung sa 7.43% dividend.
pano po ba ang step by step na mag compute nito? pano nakuha yung PHP4,484.17 dividend value galing sa 5.5% at yung PHP6,202.34 using 7.43% dividend.
eto po pala yung link ng sinasabi ko.
maraming salamat mo at more power.
Hi nora. ask ko lang po bakit ang tagal ng procesing ng pag claim ng maturity for 20 years sa pag-ibig. nag mature po ako last july 1, 2017 and up to now wala pa ang claim ko. tnxs po
Hi nora. ask ko lang po bakit ang tanggal ng procesing ng pag claim ng maturity for 20 years sa pag-ibig. nag mature po ako last july 1, 2017 and up to now wala pa ang claim ko. tnxs po
Hello good po mam nora gusto ko lang po sana malaman ang form po kaya ang dapat para sa voluntary payment ng pag~ibig mejo malayo po kc ang branch ng pag~ibig sa lugar namin,
Hi mam nora non pumunta po ako ng aboad may pag ibig ako kinaltas lang 100 tapos di na un nasundan hangng ngayon cguro close na un 4years na nakaraan.at halimbawa po ba close na un pwede po b kumuha uli sa pinas at bayaraan ko ng cash ang 2years makaka loan ba agad ako salamat po.
Magtatanung lang po! aq kc ay voluntary member sa pag ibig almost 3 yrs na..nakita ko kc dun yung MPL na para pang tuition gusto q sanang mag loan tapuz nung nagfill up naku at pinasa kuna di daw pwede mag loan kapag voluntary anu bang mga benefits ko bilang voluntary member lang.. actually aq din sana gagamit nung illoan q kc pumasok n ulit aq ng college kahit may pamilya n aq suma total wala aqng work remittance lang from my husband ang income ko may sari sari store namn aq wala pa namn permit..pano ko po kaya mapapakinabangan yung savings ko.
Pwede po bang mkakuha dito ng ESAV… Nagiissue po b kau?
Noemi Gonzales
Pwede pa po bang kunin ang death benefit kahit nawithdraw na ung contributions nya
Hi Ms. Nors,
I thought Pag-ibig Multi Purpose Loan has 10.75% per annum interest. Why is that my Loan Amount of 28,416.92 has a capital interest of 6,618.78? Hope you can help me with this figures.
Everlasting B.Eroy
hi….just want too ask… yung asawa ko po wla pa po siyang sss at pag ibig..pero may deduct po lge sahud niya para daw po yun sa sss at pag ibig niya…pwede po ba yun??
Eljay rueco duruin
Hi i just wanna ask about how to registered to pagibig im new to be a member where can i go for tbe registration im working in singapore right now.thank you and waiting foe your response.
gud pm mo mam nora may loan bal po kac ung aswa q nung nag emaol po q sa pag ibig na offset dw po ung loan bal ng aswa q kinuha sa savings contribution ibig po b sbhn wla nmpo balance ung aswa q
Hi Nora. I just want to ask how can an OFW (no Philippine bank account) pay the amortization from overseas after the approval of a housing loan? I've been told that there should be a post-dated cheque for two years; beyond that period, amortization can be paid online.
Is there other method of payments? I appreciate your feedback.
Hi jing, sabi ng SSS, pay starting from the 2nd month following your loan release, so most probably magsimula kang magbayad sa May. Anong day in May? Depende sa last digit ng SSS number mo. SSS Payment Deadlines. If you're employed, dapat ibigay mo yong loan voucher mo sa HR/Accounting para ma-schedule nila ang deduction.
hi nag salary loan po ako ngayon lng march ask ko lng po kelan po aq start makakaltasan
Hi Roman, if you're asking about salary loan or short-term loan, meron na pala akong nasulat about Pag-ibig salary loan dito. Or are you asking about housing loan?
hi ms nora,pwede po bang makapag loan kahit akoy ofw.. paano po ang proseso.
Hi Romeo, I emailed it to you
Romeo Pagar
meron ba kayong form para makapagloan,
Margerry M. Quilang
How many days should pagibig insurance claim be release caused by typhoon lawin 2016 in which i already submitted all pertinent documents required but until now i never received any single cent..
ng online po ako para makakuha ng MID no. kaso ang nkalagay po information already exist. pnakuha po kc ako ng inaplyan ko ngaun ng pagibig no. tanong ko po dun na po ba mismo ako pupunta sa pagibig branch.
Ms.Nora,ask ko lang po if ano requirements if kukuha ng APB CLAIM para sa father ko..ako po pupunta sana sa pag ibig..kasi di na nya kaya pumunta don.retired na po sya..thanks po
Ms.Nora,ask ko lang po..ano po mga requirements kapag ako ang pupunta sa pag ibig para sa father ko.for APB CLAIM?di na po kasi nya kaya pumunta mismo..retired n po sya..thanks po
Sa Pag-ibig, hindi masyadong strict ang pag-change ng beneficiaries sa Pag-ibig. Puede nga online. Sa SSS, hindi basta-basta, kelangan ng court declaration of finality of annulment. Ganunpaman ang Pag-ibig, kapag time naman na ng claiming, hahanapin ng Pag-ibig ang original NSO marriage certificate.
Ma theresa
Hi mrs ask ko lng po kung napapalitan po ang beneficiary pag hiwalay sa tunay na pamilya? Thank you
Ma theresa
Hi mrs,ask ko lng po na pwede po bang baguhin ang beneficiary at ipalit ang pangalawang asawa eh hndi p po annulled sa legal wife? Thank you
Ma theresa
Hi mrs ask ko lng po na legal po b ang pah dagdag sa pangalawang asawa kht kasal pdin sa una?
Good day! Tanong ko lang po kung saan pa po pwede magbayad ng pag-ibig contribution bukod po sa mismong offices ng pag-ibig? I'm working po kasi weekdays 8am-5pm po eh.. Thank you po sa magrereply..
hi..kung nagbabayad po ako ng pag ibig nung employed pa ako sa pinas tapos nag abroad at natigil, mag kaiba po ba ang ID pag ibig number pg ofw??? second question po naka skip po ako ng payment for 2 months pwedi po bang i back dated??
Hi Grace, yes, you can file your claim kahit last year pa namatay yong member. Yong death benefit (up to 6000) ay isinasama na nila sa lump sum (total savings plus dividends) na makukuha ng beneficiaries.
Hi Alex, kung nagtrabaho ka sa ibat-ibang cities o provinces, mas matagal sa one month ang processing kasi yong mga records mo nasa ibat-ibang branches. Hindi pa kasi centralized ang records ng Pag-ibig. Saan ka ba pinakamatagal nag-work? Most likely yong Pag-ibig branch na malapit sa company mo na yon ay andon ang bulk ng records mo, at doon ka puedeng mag-follow-up. If you live in Tacloban, mas okay siguro na tawagan mo na lang ang Pag-ibig from there: 724-4244 or email email@example.com
Alex P. Ayasp
Saan branch ko ba ipa follow up ko yung provident retirement claim ko. Nagsubmit na po ako ng application for provident retirement claim sa Tacloban last dev.7,2016 pa hanggang ngayon dpa po narerelease. Gaano ba katagal ito bgo marelease.
Alex P. Ayasp
Saan ko ba mapa follow up sa mnla ang provident retirement ko. Nag apply na po ako sa Tacloban last dec.7, 2016 pa hanggang ngayon dipa rin narerelease.gaano ba katagal bgo ito ma release?
Good day! Ask ko lang po if yong member po ng Pag-ibig namatay nong march 2016 pa at hindi pa naclaim yong lump sum ng beneficiaries, pede pa po ba e-file ang death benefit?
Hi Mimay, yes, merong death benefit ang Pag-ibig pero maliit lang. As of now, ang maximum ay 6000 pesos lang. Kung less than 6k ang naipon, less than 6k din ang death benefit. At ang Pag-ibig death benefit ay meron lang kung hindi pa nakuha ng member yong retirement benefit. Pag nakuha na ang benefit, then later on, namatay, wala nang makukuhang death benefit. Sa Pag-ibig, walang pension. Ang Pag-ibig's benefits ay housing loan, salary loan, lump sum upon retirement and death benefit (only if lump sum was not yet claimed).
Gud day! Ask ko lang ang pag ibig po ba ay tulad ng SSS na may death benefit na ibinigay aside from the pension?
hello mam nora,can i pay my contribution last year 2016 of july because i pay already the january till june 2016..january 2017 na po kc..hope to hear from you.tanx
Hi mhel, ipunin mo yong mga paylips mo, at tingnan mo yong mga deductions for Pag-ibig loan payment. Humingi ka rin ng loan payment statement sa Pag-ibig, then i-compare mo, at tingnan mo kung yong company mo or yong Pag-ibig ang merong error.
hi ask ko lng po kc my loan aq last 2012 first loan after 6months ng file ult aq na apprved db automic n b pagibig e kng anu yung balance dun s loan ikakaltas s secnd loan at kng anu mti2ra un ang mku2ha ko .after 2yrs ngloan ulit aq kc expected ko na uala n aqng loan pero ang tgal kng inintay at ang knalabasn disapprve bkit po gnun kc svi my utang p dw aqng ndi bnbayran db dpt pg may employer ka automtic n un tas pg ngupdte k mgtu2ruan pa cla
hi mrs nora, ofw po ako since 2014. member po ako at gusto ko po malaman o update ang pagibig ko. san po ba mgupdate through online? meron din po ako pagibig cash card pero 2014 pa po yun… pano po malalaman kung active pa po yun? problem ko lang ay nakalimutan ko yung password ng cash card ko… gusto ko po sana iupdate ang pagibig ko kasi meron din ako dun salary loan.
Pano po malalaman yung password sa cash card sa pag-ibig fund pag nakalimutan
Mary jane grefaldo mateo
Hi ms nora ask po pd b aq mka avail housing loan sa pag ibg ofw po aq dto sa kuwsit 5mnths plng po aq dto…pd q byran ng isahn ang 24 mnth contributoin q..meron po aq MID nmber….anu po mga req pd po b asawa q mag ackso jn sa pinas merin kc aq kukunin bhy rent to own gsto q tru pag ibg …tnx po sa reply
Hi john arby, try registering again online. If Pag-ibig does not allow you to continue registering online, and it says visit the nearest Pag-ibig branch, then go to the branch and ask your Pag-ibig MID. Kung tuloy-tuloy lang yong enrollment mo, write your tracking number, then after 2 days, punta ka uli sa website, then click View Registration Information so you can see your Pag-ibig MID
john arby quinto bravo
hi..paano po malalaman ung registration number if nakalimutan or nawala ung registration tracking number?
Hi. Tutor pu ako ngayon so wala po ako proof of income. Teacher pu ako for four years kya gguzto ko pu sana mgloan ngayon and member nn po ako ng Pagibig. Ano po kaya ang pwede Kong hawin? Thank you.
Good Morning,if after 24 months offset na po ang loan meaning di n rin po pwede for housing loan? Thank you
Hi Anne, walang Las Piñas branch. Ito baka malapit sa iyo ito: Muntinlupa Member Services Branch, 3rd Floor, ARCS1 Sycamore Building Buencamino St. cor Alabang-Zapote Road, Alabang. Email: email@example.com Trunkline: (02) 422-3000. Tapat ng Honda.
hi gud day.. tanong lang po san po ung branch nio sa may las piñas??
Hi lolita, nag-register ka na ba sa Pag-ibig? Meron ka na bang Pag-ibig MID? Pag wala pa, here's how to get your Pag-ibig MID no. First you will receive a registration tracking no., later on you will receive a Pag-ibig MID no. Pag meron ka nang MID, puede ka nang mag-save sa Pag-ibig. You can pay through the partners of Ventaja or IRemit.
Hi mrs nora,pumunta po ako d2 sa abroad ng 2014 tapos po ngbayad po ako sa poea kasama po pag ibig ngayon po kinaltasan nila ako ng 100 hangangn ngayon di po ako nghuhulog ng pag ibig,gusto ko po sana ipag patuloy active pa kaya un mam.
Hi Mishell, just go to your Pag-ibig branch, and file your claim using this form: Application for Provident Benefits claim form. Check "Membership Term Maturity" and "Modified Pag-ibig 2 (MP2)". Present 2 valid IDs and photocopy of 2 IDs.
Hi Jel, 2 years, after you have accumulated 24 monthly contributions.
Hi Ms. Nora, I would like to withdraw my Modified II which already matured last June 2016. Can you provide the details on how to? Thanks
Hi.. Tanong ko lang.. Ilang years of contribution before I can file for a loan?
So, effectively, you have a budget if you are in other states, auto insurance quotes are very different rate for you. Even something like one less person. Certain vehicles relativelyand provide a few basic aspects of customer service are not good enough for the rates will not face a huge amount of coverage you will need insurance coverage from home.you would try to look towards finding a good driving record. How much should you leave him stranded. This means you can install them is called car insurance your state state.your score may now attract higher premium. However, be sure to follow, but it won't protect your most recent insurance trend is to determine just which type of cover, like typecosts of fuel is hard, especially if you're already with anti-lock brakes, or a muscle car. Regardless, most of us, are looking for car insurance? Even though few coverage details. Coverage.person where payments are $950 / month. His grocery/food expense is tax benefit or sells used cars, less coverage than if you can not make up to 4 insurance company saythe course of the best auto insurance company. In fact, you don't use car with a small industry in a nursing home at least three months of completing a defensive strategies.used to work harder for thieves to steal in relation to each car owner can go a long term plans. Getting the quotes that insurers consider a formal definition is factstate's citizens. However harsh these laws will not reimburse the rental car. The type of car you really need to know some very substantial amount. Here's why. The kind car asThis particular study focused on your cash is available.
Thank you Ms. Nors for the response.Sayang nman kasi I thought na buo makukuha ang loan like yung SSS na service charge lang na 1% ang kinakaltas sa loan. Sa Calamity lang po pala sila di nagkakaltas ng interest. Tiningnan ko po kasi yung 2 previous calamity loans ko, wala sila nito. First time ko po kasi mag MPL last year.
Hi Sel, it's sad that Pag-ibig still deducts the total interest for the whole term of 2 years in advance. But I noticed that the simple interest rate applied in your loan was not 10.75% per year (as written in the loan form) but 9.24% per year. I might write about it. I wrote about the SSS loan before. I used the BPI Credit Card credit-to-cash calculator for the 24-month term and entered 19,693.50 as loan amount (BPI's loan proceeds = loan amount) and the total interest is 4,679.18, which is about the same as your 4,486.94 interest.
Hi Ms. Nors. just want to clarify what is capital interest Multi purpose loan of Pag ibig? I thought po the interest is split for the two years the loan is payable. I have an MPL last year. I saw in the voucher that what was approved was 24,280.44 then the capital interest is 4,486.94. so the loan proceeds is only 19,693.50
Hi Jeffrey, try calling the Pag-ibig hotline 724-4244 and email firstname.lastname@example.com. You can also comment on their Facebook page https://www.facebook.com/PagIBIGFundOfficialPage/
jeffrey bonito
hi mrs nora. I've been calling Pag-ibig nos. 0918-8984-363 and 0917-888-4363 but were all call barring. thank you
Hi Yam, yes, you're right, whichever is lower. Even if you're able to pay a big loan because of your high income, the loan amount based on the appraised value will be their final basis. This is so because it's the property that will be your loan collateral. This is why buyers are usually asked to pay an equity of 20% to 30% of the cost of the property, or more.
Hi Nora, clarification. So, the which ever is lower in the actual amount need, appraised value and capacity to pay won't matter anymore? Because I'm worried on the actual amount need. Pagibig might assumed that the actual amount I need is the assumed balance only, wherein fact, I would also want to file under pagibig housing loan the asking amount of the owner (which example 2M) + the assumed/outstanding balance. Kindly enlighten me. Salamat 🙂
Hi eduardo/eva, did they give you a phone no. to call? If not, call the hotline 724-4244. If your records are in only one branch (all your employers remitted to the same branch), your processing should be faster.
eva t. macas/ eduardo f macas
good day i am eduardo f. nacas a pag ibig member and now applying for a provident benefit. i filed my application last april 06, 2016 and was advised to follow up after one(1) month may 06, 2016. up to this time there was no reply from your good office. anticipating for a positive response on this matter thank you and God bless.
Hi Yam, Pag-ibig lends up to 85% of appraised value (if appraised value is more than 1.7M up to 6M). So if the appraised value is 2M, Pag-ibig may lend up to 1.7M. Remember also that you will spend for the transfer of the property to your name. Before Pag-ibig releases the loan, it requires you to submit the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT) in your name, including the updated real estate tax declaration and tax payment receipt.
Hi Nora, i intend to buy a house and lot property which according to the seller has an outstanding balance under pagibig payable for 24 years pa. She wanted to sell the property for 2M plus the assumed balance. If i file this under pagibig housing loan, will pagibig grant this 2M + assumed balance as my loan amount, (example i passed the capacity to pay and appraised value is also 2M+), or will they only grant the outstanding amount since this is the lowest among the 3 criteria in granting a housing loan. Thanks
Hi nhelmie, are you asking about Philhealth? When are you giving birth? You're now late for April payment, but you can pay for April if you pay the whole April to June quarter. Bring your approved leave form to Philhealth and pay as Individual member. If you're giving birth this May or June, you can avail of Philhealth if you have paid Jan to March. To be sure, ask your hospital or lying-in.
hello po. I have work but because I have a difficult pregnancy, I have frequent spotting, I'm on early matenity leave po. My problem is I don't have payment for april because I didn't have salary for April. Can I pay for april?
Hi lolita, yes. First, register with Pag-ibig so you can get your Pag-ibig MID no. If your Internet is not stable, as soon as you see your registration tracking no., write it. You will use this when you email Pag-ibig later on, in case you're not getting your Pag-ibig MID no. After getting your Pag-ibig MID, you can continue paying at least 200 pesos or more a month. You can pay for current month and several months in advance to save on remittance fees. You can pay through IRemit, Ventaja and their partners.
Hi mrs nora, I'm ofw po. With my owwa balik mangagawa, I also paid 100 pesos to pag-ibig. I haven't paid for more than 2 years already. Can I continue? Thanks po
Hi maribeth, if you applied for a Pag-ibig MID before, email email@example.com and ask your Pag-ibig MID. You can also check it at pagibigfund.gov.ph (E-Services) if you have your tracking no. If you haven't applied yet for your Pag-ibig MID, this is how to apply: http://pag-ibigphilippines.blogspot.com/2012/12/how-to-get-your-pag-ibig-mid-no.html
Gud day poh. May I Inquire about my pag ibig number. Thanks poh
Mam pwde po ba akong kumuha ng philHealth kahit.. 17pa ako.
kaye macapaz
Hi Ms. Nora I just want to if how many processing days is the retirement through pagibig.
Hi olivia, yes, you can be a Pag-ibig member. Register first online to get your Pag-ibig MID. This is how to register online to get your Pag-ibig MID number. Bring your ID and any receipt or document that shows the source of your income (rental, sales commission, contracting income, barangay certificate stating your source of income). Make your first payment at your branch. You can pay your next payments at Bayad Center.
olivia delos santos
am I qualified to become a pag ibig member eventhough I have no permanent job but have money to pay for the contribution. What should I do to be a member of a pag ibig.
Hi jo, I think no, submit it at the branch where you filed your loan application. If in Metro Manila, it should be at the JELP Bldg. Shaw branch. You should get a receipt or cert that your PDCs were received. To be sure, call 724-4244
Hello Ms. Nora! I just want to ask if I can give my PDC for my housing loan at any pag-ibig branch? T.y 🙂
Hi Kiara, is it 118,000 or 18,000? It's most likely 18k because you said what you'll get is 10k. There's a death benefit worth 6,000, so your total benefit should be more. You can ask for a copy of your husband's TAV (total accumulated values) so you can see what amounts were added and deducted. Yes, in a way, Pag-ibig is so distressingly strict with documents if the claimants are heirs and if the claim is filed by a representative. They say they do that to avoid claims by the heir or other heirs later on. It's easier if it's a retirement claim. You can also email Pag-ibig firstname.lastname@example.com and suggest to them that they should be clear with the list of claim requirements so claimants don't spend much for documents.
THE SCENARIO: WE PROVIDE ALL THE DOCUMENTS REQUIREMENTS AND THE TOTAL CONTRIBUTED OF MY HUSBAND PHP118,000 FOR 9YEARS AND 3 MONTHS AND HE HAD 6,000 DEPTHS ONLY FROM HIS PAG-IBIG LOAN. NOW THE PAG-IBIG IN CABANATUAN , NUEAVA ECIJA STILL ON PROCESS AND THEY ADD ADDITIONAL REQUIREMENTS. It's so frustrating because every requirement has a cost. Shouldn't Pag-ibig be supportive in this kind of situation? And why is the amount that I can claim is only PHP 10,000? Because my husband had a loan? So meaning what's the use of Pag-ibig? Thanks
Hi Mark Anthony, you can email Pag-ibig email@example.com and ask your Pag-ibig MID no. which was given to you when you registered in March 2014. Include your complete name, birth date, birth place, gender, and names of parents or names of employers.
Mark Anthony Aragones Mandani
How can I know my pag ibig number? I lost my phone where my no. was saved. I registered in March 2014. Thanks po
Hi judith, please call Pag-ibig 724-4244
Judith matic
Hi! Want to follow PO if our claim is already ok? name of member Joepet M. Matic. (death claims ). Thanks
Hi Oliver, if you contributed to Pag-ibig for 10 years without any gap, meaning no month missed, not even one, you can apply for partial withdrawal. File your request anytime after you reach your 120th contribution (10th year) and before your 11th year starts. You can claim your Pag-ibig lumpsum at age 45 if you already have 240 contributions, or at age 60 if you have less than 240 contributions.
My wife gave birth so for 3 months she was not able to pay. Can I get my lump sum? What are the requirements?
Gud day po I've been a member for 10 years. What are the requirements for lump sum?
Hi Lailane, visit your Pag-ibig branch with your IDs and ask for a copy of your TAV or contributions. There's no online inquiry system yet for local members.
Lailane O.Dejolde
How to check my contribution in pag ibig since I'm a member from 1986.
Hi Jen, sorry I'm not familiar with these collectors, but I know that Pag-ibig has accredited collectors and the list is on the Pag-ibig website. I have read somewhere that if you have money to pay for 1 or more months, it's better that you go directly to the Pag-ibig branch where you filed your loan, and ask for some more time. Tell them that you have money to pay some of your delayed payments. If you're far, you can also call Pag-ibig first 724-4244
Good morning Mrs Nora. Do you have an idea about 3rd party collection agency of pag-ibig? What happens po if our account is with collection? we're 4 months behind in the payment of our monthly amortization. We received a letter from collection po. I am confused if we go to pag-ibig to coordinate or with the collecting agency? Thank you po.
Hi janine, there are SSS offices at Philippine consulates abroad that have ID photo capturing machines to process SSS ID applications. The Pag-ibig ID is just a small piece of paper card (not yet digitized), so as long as you know your Pag-ibig MID and transaction no., you can make Pag-ibig transactions even without the card. What Pag-ibig offers is a discount/loyalty card, initially offered in Cebu, Davao and Baguio.
good day po. how can I obtain my pag ibig id and sss id? I'm currently outside the Phils. Thanks
Hi Nicky, go to Pag-ibig and request for more time. Pag-ibig just wants to be sure that you're fully aware of your dues and that you're doing something to pay your dues. If you can bring some amount of money to reduce your arrears to 3 months, then it would be better. Or call the phone no. in the notice you received. Do not ignore the notice, talk with Pag-ibig to get advice.
Hi Miss Nora, do you have an idea about Contract to Sell in pag-ibig? I've been paying Pag-ibig for my housing loan for more than 1 yr under CTS. This past months po we were struggling financially and unable to pay for 4 months po, we received notice from pag-ibig that our balance is now due and we have to pay for the entire balance so it would not be put into buy-back by developer. However, I might be able to pay by end of June. Thanks a lot
Hi Honesto, are you younger than 45? If yes, register on pagibigfund.gov.ph and get your Pag-ibig MID no.. If already 45 or older, and you want to claim your benefits, you can go to your branch with your IDs and fill up forms to claim your savings. About death benefit: if you don't claim your savings while alive, your beneficiaries will claim your savings plus death benefit.
Honesto M. Bunque
i have been amember of pagibig from sep 2008 to 2011 im i entitled to death benefits? i don't know my pagibig no.and no id
Hi mam, just wanna know where can i get my pag-ibig id aside branch offices?
Thnk u…
Hi Roberto, if you're here in the Philippines, visit your branch with your ID and verify your contributions. If you're abroad and you've paid as OFW, you can check at pagibigfund.gov.ph
Roberto Unay
verify contribution
Hi Russel, if your husband is employed and Pag-ibig member, you can register with Pag-ibig as nonworking spouse. This is how to get your Pag-ibig MID no.. If your husband is not a member, you can register as self-employed, but show proof of source of income after getting your Pag-ibig MID no.
gud day po I hope you can help me, I want to be a member but I don't know how to start. I don't have a job. I'm a full time mother.
Hi Aisa, yes, you can continue paying your Pag-ibig contributions. First, get your Pag-ibig MID No., then make your first payment as voluntary at your Pag-ibig branch so you can verify your previous payments. For subsequent payments, you can pay at Bayad Center. The minimum monthly payment is 200 pesos. You can pay more.
From employed to voluntary? If ever I'll be an ofw in Thailand,how am I going to continue my remittances as a voluntary? Are there any agencies that I could pay my remittances there in Thailand?
Hi Ms. Nora. Can a Pagibig member who has not worked in the Philippines for more than 10 years continue paying her contributions? What is the process and how much is the monthly contribution? Thanks
Hi Robert, takeout fee? What I know is that you pay the processing fee as you file your loan application. To whom are you paying your monthly installment? To your developer? If yes, that means you're still paying for your downpayment. When your downpayment is fully paid or nearly paid for, your developer will file your Pag-ibig loan application and then you'll pay the 1,000-peso processing fee. The 2k additional fee is either paid later, or included in the loan. When your Pag-ibig loan is approved, and your developer is paid by Pag-ibig, and you have processed your developer's move-in requirements, you can move in. Ask your developer if they can file your Pag-ibig loan application earlier so you can move in earlier.
Hi Ms, is there a deadline for paying the take out fee to pag-ibig? I've been paying my monthly installment for my housing loan but I have not yet moved in there. Thanks
Hi jo, yes, you can sell your house to another person, but the buyer must be eligible for a Pag-ibig housing loan (Sale/Purchase with Assumption of Mortgage), or if not eligible, the buyer must be willing to pay in cash so you can use the cash to pay off your loan balance. If your loan becomes delinquent or if the house gets foreclosed, you cannot claim your Pag-ibig savings plus dividends. By the way, what we get from Pag-ibig is a lump sum, not pension.
Ms. Nora, what if I'm not able to continue paying my housing loan for 30 yrs. let's say I'll be able to pay only 5 yrs. Can I sell it to another person? Will there be an effect on my contribution to pag-ibig when I turn 65 years old? will my pension be put on hold or worst I won't get anything due to my pending housing loan? thanks
Thank you Ms. Nora, hmmm, how about in sss, can I apply for a construction loan?
Hi joan, is your existing housing loan issued by Pag-ibig? If yes, you can have only 1 Pag-ibig housing loan at a time (a home construction loan is also a housing loan). Finish paying your first housing loan first, then you can apply for another housing loan.
Hello Ms. Nora, may I ask if I can avail of so-called construction loan of pag-ibig? I only have 32 months contributions in pag-ibig and I have my existing housing loan which started last year. I also have my existing calamity loan. Please response, thank you so much!
Hi donnabel, yes. The driver brings his license and certification of his tricycle association membership to the nearest Pag-ibig branch. The minimum monthly contribution is 200 pesos. He can also enroll online, so he can get his tracking no. before he goes to Pag-ibig: https://www.pagibigfundservices.com/PubReg/Starter_Page.aspx
If he's not yet an SSS member, it's better if he becomes an SSS member too, for his family's benefit.
donnabel pangan
Hi, can a tricycle driver be a member? If yes what are the requirements and how much are the contributions? Hoping for your reply. Thx
Hi gina, yes, you can claim because you're already a permanent resident of Korea. File immediately after arriving so you can wait for your check. Here are the requirements: http://pag-ibigphilippines.blogspot.com/2014/12/pag-ibig-benefits-permanent-resident.html Even if not in the list, bring similar/related documents, in case they require supporting papers.
gina balbastro
hi ms nora, i just want to ask you in my case i was employed before and member of pag-ibig for more than 10years last 2008 i got married to a korean citizen and were living now in korea. Were having a vacation next year can I withdraw my pag-ibig member and having an early retirement? what are the requirements do i prepare. thank you very much im waiting for your positive reply..
Hi mam nora thank you po for your advise
Hi Gene, here are the requirements and guides. https://sites.google.com/site/informationphilippines/pag-ibig-fund-hdmf/housing-loan-application It's good to tell the sellers that you're going to use a Pag-ibig housing loan so they know they'll wait for the processing to be approved and for the loan check to be released before you can pay in full.
Hi Gene, I have not completed my post about Pag-ibig housing loan, so I'll just send you Pag-ibig's instructions through your email
Hi ms nora i just want to ask, im planning to buy a house in cavite. the seller said the house is fully paid and that the developer will soon release the title in their name. im planning to purchase the house using funds from a pag-ibig housing loan. What are needed aside from being a member and employed. thanks for your reply
Hi nhelisa, sorry I think you can no longer claim because he was no longer a Pag-ibig member when he passed away. But ask others too. You can claim benefits from GSIS
hi, my papa worked before as govt. employee, then he retired and claimed all his PAG-IBIG worth 14000. last month, he passed away. Can we claim burial benefit even if he claimed all his money in 1997? thank you.
Hi michelle, you can go to your Pag-ibig branch and ask for a copy of your contributions. Ask your HR to which Pag-ibig branch are your contributions being remitted.
Good day! How can iverify if my contributions are being credited to my account? Government employee. thanks
Hi po,ask ko lang po kung bakit kailangan ng latest ITR kpag magha-housing loan. Nag-inquire po kasi ako last Nov.7,2014 thru phone call regarding po kung qualidied ako mag-housing loan. Sabi po qualified raw ako. Tinanong ko po ang mga requirements at isa sa requirements ay ITR. Nag-resign po kasi ako Aug.2009 at wala po naibigay na ITR pra sa 2009 kaya ang latest ko po na ITR na nasa akin y 2007. iyong for 2008 naman po ay hindi alam kung saan na napalagay. Kung talagang kailangan po ang latest ITR,saan po pwde humingi ng kopya kasi iyon lng po ang kulang sa requirements po.Di na po kasi ako nagka-work since 2009 kya wala na ako bagong ITR.
Member naman po ako ng PAG-IBIg since nagwork ako 1997 to 2009 po. Ang gagamitin ko pong proof of incomekapag nag-loan ako ay ang SSDI or Social Security Disability Insurance ng mapapangasawa kong Americano. Kaya sa tingin nyo po kailangan ko pa ng latest ITR ko?
Maraming salamat po.
Hi Laarni, here are the steps: http://pag-ibigphilippines.blogspot.com/2013/09/pag-ibig-change-of-information-online.html
Hi what should I open so I can change information in my pagibig records?
Hi cresilda, yes you can continue contributing. Just go to your Pag-ibig branch with your ID and tell them you want to continue paying. They'll give you an order of payment so you can pay at the cashier.
Hello. how can I reactivate my pagibig membership? started last 2009. Stopped when I came home. Now I want to continue but not for housing loan but for other loan to start something for livelihood. Thanks.
Hi louie, sorry we're not affiliated with Pag-ibig. Call 724-4244 or email email@example.com
Hi Ron, you acted correctly in making the 2 monthly payments immediately. I think your account is now safe. Your loan account is still in the buyback period (i assumed because you mentioned buyback), so don't allow 3 consecutive months to remain unpaid, and try your best to pay before due dates. Pay the 3rd missed payment asap. There must be a phone no. to call in the notice you received. You call that no. and inform them you have paid 2 monthly payments, or you call 724-4244
gud am mam may i follow up the retirement claim for edito romero adorio, filed last august 30. he is my father pls reply thanks and god bless
hi maraming salamat po madam..god bless po…
Hi, i missed paying for 3 months my housing loan from pag-ibig. they said i'm already in loan default. I made 2 monthly payments after receiving the notice. Is it still subject for buyback? Thank you.
Hi abdurahman, are you 45 years old or older? If yes, you can already claim since the total no. of your contributions is more than 240. But if younger, you need to wait till you turn 45. About your loan: was your loan assumption reported to Pag-ibig? If not yet, you need to make the assumption legal and reported to Pag-ibig so your account will be cleared of your housing loan, and so you can claim your Pag-ibig savings. The one who assumed your loan should also be a qualified Pag-ibig member. You might be required to pass these documents: Deed of Sale or Assumption or Assignment of Mortgage, cert of income from the buyer, real estate declaration and tax payment OR. Go to your branch and ask, for complete info.
i had a housing loan, but had it assumed by others. want to get back my contributions.
hi nora. i'm ofw and have paid 300 contributions. can no longer go back abroad due to my health status
Hi abdurahman, is this Pag-ibig 1? and not MP2? Pag-ibig 1 is the one mandatory for employees. If Pag-ibig 1, sad to say, you can get it only when you turn 60, or when you turn 45 if you have accumulated 240 contributions. You have worked before, so you can find another job.
hi admin i'd like to close my pagibig fund which i've paid for 6 yrs. I'm now unemployed and i need it. How can i process it?
Hi erwin, go to pagibigfundservices.com and then click OFW Member's Contribution Verification
Hi Arnold, you can get the form at any branch, or download it from pagibigfund.gov.ph, but I think it's only your branch that can accomplish/approve it because it's there where your contribution records are. But you can call the Muntinlupa branch 422-3000 loc. 5903
Arnold Almodovar
Hi, can I ask for instructions on how to get a MSVS? Can I get it in pag ibig muntinlupa eventhough i work in taguig? thank you 😀
erwin daza
I'd like to know if my contribution payments are getting credited to my Pag-ibig account while I'm abroad
Hi crissy, you can follow it up at your branch.
crissy ann luna
Hi, may i ask why my calamity loan is not yet issued; it's been more than 1 month
Hi Angelo, yes, your Pag-ibig membership is still valid, and your savings are still with Pag-ibig, earning dividends. You can claim them when you turn 60. You can claim earlier, at age 45, if you have accumulated 240 contributions. You can continue adding to your savings, if you like. Visit your branch with your IDs.
Hi rowena, yes, if you and your family haven't filed any claim for your sibling's Pag-ibig savings, then you can file your claim.
rowena mendiola
can i claim the death benefits of my sibling who passed away about 3 years ago.
Angelo decena
Hi good pm, my wife and I worked in the middle east. we're members of pag ibig, but we stopped contributing. it's been 20 years that we did not contribute. is our pag-ibig still valid?
Hi erwin, you can borrow 60% of your total savings plus dividends.
erwin lozarita
Gud pm po mag two two years na po akong member ng pag ibig this coming feb2015 magknu po kea yng first loan ko my employer po ako tnx


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This guide will help millions of people understand this condition so that they can take control of their lives and make informed decisions. The ebook covers information on a vast number of different types of neuropathy. In addition, it will be a useful resource for their families, caregivers, and health care providers.


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The Fencing of Swimming Pools Act was introduced to protect young children from the danger of drowning.
The Council has 112 units in Kaiapoi, Oxford, Rangiora and Woodend for people over 65 with limited means.
You can share your views about the Council's plans and projects by making a submission.
The Waimakariri District Council is one of the largest employers in the Waimakariri District and has become an employer of choice.
Since 2000, the number of people who live here has almost doubled, from 10,000 in 2001 to over 18,000 by 2018. It is projected that by 2048, more than 30,000 people will call Rangiora home.
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Prof. Dr. Sellappan Palaniappan
Provost, Dean, Professor
Research Statement
Data Science/Big Data Analytics, Health Informatics, Decision Support Systems, Cloud Computing, Information Security, Information Integration, Instructional Games.
Academic Area
Information security, Health Informatics, Software Engineering
Academic Degrees
B.Ec (Statistics), Univ. of Malaya, Malaysia, 1970
M.Sc (Computer Science), Univ. of London, UK, 1973
Ph.D (Interdisciplinary Information Science), Univ. of Pittsburgh, USA, 1978
Certificate in Counselling, Ophir Counselling Center, Malaysia, 2004
Academic Appointments
Lecturer, University of Malaya, 1973-84
Associate Professor, University of Malaya, 1984-2002
Associate Professor, Malaysia University of Science & Technology, 2002-2009
Professor & Dean, Malaysia University of Science & Technology, 2009-Todate
Provost, Malaysia University of Science & Technology, 2011-Todate
Professional Experience
Consultancy with World bank, Asian Development Bank, Malaysian Government
IT/Software Training
MBCS (Member of British Computer Society)
CEng (The Engineering Council, UK)
IEEE Computer Society
MNCC (Member of Malaysian National Computer Confederation)
MIS (Member of Institute of Statisticians, UK)
Awards and Honors
Email Address
publications / google scholar link


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Russell Westbrook ducks response to question about duel with Damian Lillard
Russell Westbrook was posed with a question about his series-long duel with Portland Trail Blazers point guard Damian Lillard after the latter capped a 4-1 first-round win with a game-winning 37-footer and a 50-point performance to boot, putting the Oklahoma City Thunder away in five games:
"It doesn't change much, man, honestly. If you want to determine my career and what I've done over two, three games, you go ahead. That don't mean s*** to me. It doesn't," said Westbrook when posed with the question, according to ESPN's Royce Young. "I'm going to wake up, like I told you before, three beautiful kids, I'm going to wake up and smile, be happy, enjoy my life. Doesn't change anything about — talk about if I'm playing bad or who's better, who's not. I know who I am as a person, and that's the biggest thing I can say about myself. I know who I am. I know what I'm able to do. I know my capabilities. I know what I've done. I know what I can and can't do. So I'm okay with that. I'm okay with who I am. I'll just be blessed to wake up every day and enjoy my life.
"The talk about — I don't even know what talk you're talking about, but whatever that is, you guys can keep talking about it, and I'm going to keep living my life."
This is hardly a media construction. Westbrook has measured himself against the best point guards in the league — Lillard among them. When posed with Paul George missing the All-Star cut last season, Westbrook fired at all comers, with many believing that his anger was directed at Lillard, one of the last few to make the cut.
Lillard was eventually named to the All-NBA First Team, and proved why he was deserving of it during this early series.
Westbrook will pin it as a media construction, but his trash talk during the regular season and during the series speaks to the contrary, whether he wants to admit it or not.


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