Thursday, May 15, 2014


Flood-free Camella Homes?
Alright, I came across this Bank website that sells Foreclosed properties, it is so tempting, imagine you are just required to pay only 10% of the indicative price , then Title can be transferred in your name right away and have full control of the property....but it requires due diligence and careful research to avoid getting burned because foreclosed properties are sold by "as is where is " basis.  Means, if there is a legal proceeding or occupants in the said property you are responsible to continue the case or ejectment case  once you already bought the property.  I almost get a property through PNB, I've been following this property that I want located in Del Nacia Ville QC, 234 sqm , for 1.3M. My computations shows for just P130,000 (10%) I can have the title in my name. then the rest I can do payments. If I am lucky I can have it rented and earn a passive income. This is a good deal price except that there is a pending legal case, the bank will disclose right away.  After months of waiting and follow up, the bank finally said the case Annotated in the Title was already dismissed.  I immediately asked for the copy of the Title and let my brother checked the property.  Unfortunately, my brother told me  there still occupants which requires ejectment proceedings which is not easy, lots of time and money for a lawyer. Just thinking about it makes me stressful lol.   Well, I gave up in buying Foreclosed Property, its not for the faint hearted.

Developers got my interest, I've seen some who offers affordable payment scheme.  My goal is to buy a property and have it rented, so it  can generate income. Condos, townhouses, duplex are not on my list of interest,  I prefer single detached house which locations are within Quezon City, Caloocan North/South, Novaliches except camarin, zabarte area. Camella homes have properties on my area of interest and their payment scheme is very affordable.  I got interested in one of the property they have, Carmela model located in Caloocan, and immediately contacted the agent listed on the property named  Edwina Gayo Guarin, she responded and we agreed for tripping.  During the tripping she showed 3 properties, 2 RFO (with house already built on the lot) but my brother don't care about it, it is located near the creeks.  The other one is NRFO, Corner lot (no house yet,meaning for construction)  it's elevated he thought its safe and a flood free zone, my brother really likes the area so he told the Agent he wants the corner lot.

The subdivision is very accessible, to markets, schools, and close to church. 15 mins to SM north, Trinoma, close to govt. offices, accessible to Quirino Highway, Mindanao Ave, Zabarte rd, camarin rd,.  So we decided to get the property. The Quotation she provided stated after payment of 15% TCP the construction will begin (6-8 months) or 10% payment if there is Letter of Guarantee from the bank.  The 10% is not that bad, so I thought I will just shell out the 10% so construction will start immediately. This is thru bank financing, I chose PNB because of low interest rate compared to others, 5.5% for first year according to their home loan site. 

 I am aware that developers has this strictly Non-Refundable Reservation fee policy, I understand, this is for holding the property that you reserve. So if you are not really sure of the property you are buying don't pay Reservation fee, think twice, thrice, many times, because buying a property is a big decision.  After further discussion and lots of thinking we came up with the decision to get the lot, the following day my brother signed the  Reservation Agreement for 20K pesos, the contract specified we have to pay our first DP after a month. While processing all my papers and coordinating with the marketing officer, Camella office, I don't know I have this feeling that something is not right., I want to make sure everything is right and make good decision before paying the 10%, it's a hard-earned money, after this payment there is no turning back.

So I talked to my brother and told him to check the property again, do ocular inspection, asks neighbors, interview homeowners, etc etc. Guess what we have discovered? The guard of the subdivision told my brother that the property identified in our Reservations Agreement is NOT the Corner Lot that we want. They changed/switched our lot. Yes our lot is somewhere, the guard who knows the place really well pointed us the Real lot that we got.  Our lot apparently is located in  an end unit close to the creeks, much to our dismay, and  its the lowest area in the subdivision.  We are so disappointed, frustrated, furious, and to the point I already murdered  the Agent in my mind.  I contacted the office right away to my dismay they said the office has nothing to do with it, and we need to talk to the Agent. 

Worst of the worst. Camella office said that the Corner Lot is already sold prior to our tripping, they actually informed the Agent about it, but this Agent Edwina Gayo Guarin who is desperately wants to close a deal,  asked them if there is another available property  that has the same price that she quoted to us, and switched  our lot with the end unit. 

 This is a clear misrepresentation so we  demanded a Full Refund of the Reservation fee, but the office is not responding to our request. My brother went to the office and met with the Agent Edwina Gayo Guarin, she admitted her mistakes, cry in front of my brother and give back 50% or 10k pesos to my brother, she said its the only money she has.

What if we did not discovered the mistakes right away? What if we already paid the 10% and we found out the house they built is not in the corner lot? As of now, I'm still requesting the Camella-Caloocan office to refund the 50% of the reservation fee, since the Agent already give the 50% back to us.  I emailed their office and requested a Refund due to misrepresentation. 

I think it's a blessing in disguise that we did not continue pursuing Camella properties, here's why, after turn-over, you still have to deal with them, even you already own the property they still control you, like if you want to do an extension or fix  the house you have to pay them a bond of 20k (they said its refundable but a lot of homeowners said its not 100% refundable, may kupit pa sila). Every construction materials that you will bring inside the subdivision is subject for approval from the guards (sekyu has control over you lol) , the specifications/lay out is subject for Camella's approval. Homeowners dues, you have to abide homeowner rules/ regulations etc etc. 

I am not connected to any developers, and I'm not here making false statements against Camella , this is my true and real experience from them. 

This is almost similar case if we pursue the property click this link : switching lot

If you open this blog and read the comments  :  Victims of Camella

If you google Edwina Gayo Guarin, she is actively selling properties in Caloocan, Quezon City, Nova area,  this is a warning don't deal with this person, she will do anything to close the deal even to the point of deceiving you. 

Don't deal with Camella-Caloocan either. 

Tuesday, April 12, 2011

Age Discrimination

Just done talking with my sister on the phone and she told me about having a hard time finding a job. And the reason, her age. Why such discrimination? In the Philippines, age discrimination (for applying a job) is prevalent. Just take a quick look at the job ads you have in the papers and you see employers everywhere specifying age qualifications:

Older people are barred from applying for jobs that they may qualified for. You would easily find ads specifying people 30 years and older “need not apply. I really think hiring more mature(older) workers are better because the older you are, the more experience you have in your previous jobs, in previous careers even.

Here in the US I'm greatly impressed  how they treat applicants. If you're qualified, you're qualified whatever your age may be.(or whatever your looks are) They won't care about your age, race, color, status, disabilities or gender. I work with people whose age ranging from 72 to 17 years old.

I remember those times in the Philippines when I was looking for a job, I spent a lot of money just for a photo, because they require you to include latest photos in the resume. (because the not so good looking were immediately screened off/discarded, I knew it, I was in HR while they were screening resumes). It's true that sometimes you will not get hire if you're not pleasing to look at or unattractive. The more attractive you are the more chances of getting a job. And oh, they even asked personal questions during the interview if  you have a boyfriend. Lol.

Sunday, February 20, 2011

It's been a long time......

with Elvis in Las Vegas.

Hello all, it's certainly has been awhile...
It's been a long time since I've put anything on this site,by looking at my last post below--vvv--dated March 29, 2009, close to 2 years,wow,I wonder if anyone of my blogger friends still remember me.(as if I have readers,lol!). My life's been a little nuts over these past couple years! Yes, I completely forgot about blogging, it has been busy and crazy.


*MOVING 2X, not fun huh. I was in Pewaukee when I posted my last article. Then we moved back in Iowa, lived there for a year, then Jon got a job at Ft. Mccoy as Training Specialist, so we packed and moved to the Wisconsin's Cranberry country,Tomah which is about 9 miles to Ft. Mccoy.

Ahhh, and boy was it nice.
We went to Orlando, Florida in 2009. First time to see Disney World, we had a great time. Everything about Disney is a happy memory, it's a grand place where young and old can relax and have some good clean fun.
Then 2010 on our 5th Wedding Anniversary, hubby treat me to a Las Vegas trip. I want to see the casino capital of the world, just seeing and no plan to gamble, I originally told my husband that I would just watch him gamble, but then I got hooked with those machines and especially if you start winning a bit. We started off playing penny machines then, dollars then as the days went on we were down and started playing for nickles :) Hubby won more than thousand dollars, and we got the money trip back. Lucky on the first trip, but our second trip to Vegas (Jan, 2011) we lost money :(.

I landed a new job at the base, finished a short course in health care program, and preparing for the certification test or get another program for upgrade. Or planning to move again, who knows, yes you heard it right moving again.

Well, go back to the reason why I made this blog active again, it was 2 weeks ago when my good friend Margaret  told me  about her Reading Caravan Raising fund projects.  She mentioned my blog, and for the first time again in almost 2 years I remember I have a blog (that made some money, too) yes, it made some deposit to my paypal account before, lol.  Not a big amount but good enought than wasting time on the internet playing games.

What really surprised me the most in my the earnings on my google adsense, yes, my blog has not been active for 2 years, but the ads still there and running, and some random visitors clicking on them. I curiously logged back in couple days ago to check what's goin on in my blog, ( even forgot my password here, lol), then found out I have $88.09 earnings just on my google adsense, without doing anything, and actually forgot about my blog.  The greatest earnings here is the payperpost and Izea,, I activated my payperpost and got an offer of $7.00/post or .05cents per word. I know I have to start all over again, but it's not bad.  I checked my page rank, and not sure if it's accurate but I got PR3, unbelievable!
P.S.  Thanks, Margaret!

Sunday, March 29, 2009

Legal Service Network

Choosing a right lawyer is very important. A lawyer that will focus on your case 100%, I say this because there are some lawyers who are taking more cases that he/she can actually handle, that may result of losing your case. An attorney who will work hard to perform the job that he has been hired to do. If you live in New Jersey area you can use Central Jersey Legal Services to find a lawyer that will handle in your different kind of cases.

Sunday, March 22, 2009

Kansas City Plastic Surgeons

If your in Kansas City, Missouri and deciding to have a plastic surgery check out Kansas City Plastic Surgeons. They offer breast augmentation, liposuction, rhinoplasty and more. View before and after photos and make an educated decision. Remember, it's your body and choose only the best cosmetic surgeons/Plastic Surgery Specialists.

Friday, March 20, 2009

Credit Card Comparison Site

Let's face it, the use of a credit card is a convenient way to shop, and we need it to purchase online too. For security reasons, I never used my debit card to pay online, I think using credit card is the best secure way to shop or pay online. I trust my credit card company, it is because I researched a lot first, before I finally consider opening an account with them. Probably you receive a lot of credit card offers on the mail everyday, at least two or three, and confused what offer is the right for you. As a consumer, be smart enough to manage your finances and choosing a right credit card is one of them, start by using gas credit cards.
This site is a credit card comparison guide for you to search for different kinds of credit card offers, you can use their tools to compare and find the best credit card for you. They have helpful articles on their site that can help you decide which is which, with 0% APR they are all offering, you never know that not all 0% APR are created equal. Find out why.

Thursday, March 19, 2009

Cruiser Customizing

Spring is back, and it's time of year again to ride your bike. I have liked motorcycle since I was a kid, but the only thing is I'm scared of riding them. I had some fun watching those guys on their harley's last year at Milwaukee. Their bikes speak for their personalities, customized with attractive stickers, you could easily guess where they came from and what they want to express. Real bikers put their heart on riding. If you're a real biker, motorcycle community is the place for you.

Wherever you are in the world, it's an international community where motorcycle riders can connect with other bikers, share their experiences, have some fun, teach each other, and learn a thing or two. There are many things you can do here like check out stories from other bikers, watch product installations,upload and watch video, share your photos , talk to other bikers, join groups, buy and sell motorcycle parts and accessories.