How to Increase Your Monthly Savings in Pag-IBIG Fund

Save more with Pag-IBIG and qualify for higher loan amounts and bigger dividend earnings. Bigger dividend means bigger savings for you. Consider the following:

Monthly SavingsSavings in 20 YearsTotal Savings with 4%* annual dividends
200.0048,000.0073,015.85
300.0072,000.00109,523.77
400.0096,000.00146,031.70
500.00120,000.00182,539.62
1,000.00240,000.00365,079.24
1,500.00360,000.00547,618.87
2,000.00480,000.00730,158.49

* Dividend rate is only sample rate of 4%. 
Actual dividends will be based on the yearly income of the Fund.

Pag-Ibig FUND Logo

Bigger savings with Pag- IBIG means that your maximum loanable amount is higher.

- The Multi - Purpose Loan (MPL) Program aims to address the member’s immediate financial needs. The loan amount is based on the member-borrower’s total savings and length of membership
with Pag-IBIG.*

- The Calamity Loan Program is open to members whose place of residencehas been placed under a state of calamity after a natural disaster. The loan amount is 80% of the member-borrower’s total savings with Pag-IBIG.*

* While the loan amount of the MPL will not be deducted from the Calamity loan and vice versa,
the combined loan amount under both programs should not exceed 80% of the member’s total savings.

- The Housing Loan Program is a financial assistance for the purchase or construction of a residential unit. The maximum loan amount is P6 million. The member-borrower’s monthly savings with Pag-IBIG, together with his gross monthly income, the appraised value of the property, and his actual need, shall be considered when computing his approved loan value.

Here’s how to increase your monthly savings:

1. For employed members, just inform your HR officer that you want to pay more than the minimum savings of P100 per month. Your HR may require you to sign a form pertaining to the increased monthly savings.
 
2. For individual payors, like professionals, other OFW-members, businessmen, etc., just pay the higher
monthly savings to Pag-IBIG. No need to fill out any form. Your increased savings will automatically be
credited to your total savings.

Where to pay:

1. For employed members who pay their savings to Pag-IBIG through salary deduction, their employers may remit their savings through any of Pag-IBIG’s accredited collecting banks or over-the-counter at the nearest Pag-IBIG branch office.

Employers may remit their employees membership savings at the following accredited collecting agents:
- Union Bank (Pag-IBIG Hub)
- BPI (BPI ExpressLink)
- LANDBANK (wePayAccess)
- BancNet (Pag-IBIG Net)
- Security Bank (Pag-IBIG Real Time Facility) 

Note: Payment through these facilities requires enrollment.

2. Individual payors may pay their savings using the following facilities:
- VISA or MasterCard credit cards https://www.pagibigfundservices.com/ccpayment
- SM Business Centers, Save More and SM Hypermart
- Over-the-counter at the nearest Pag-IBIG branch office.

For more information, call 24/7 hotline number 724-4244 or email publicaffairs@pagibigfund.gov.ph

Half Day Work Suspension in Government Offices

Memorandum Circular No. 73, s. 2014

Philippine Seal

Office of the President
of the Philippines
Malacañang

To provide government employees full opportunity to properly observe  01 November 2014, a declared Special Non-Working Day, and to allow employees to travel to their respective provinces, work in government offices on 31 October 2014 is hereby suspended from 12:00 p.m. onwards.

However, those agencies whose functions involve the delivery of basic and health services, preparedness/response to disasters and calamities, and/or the performance of other vital public services shall continue with their operations and render the necessary services.

This Circular shall take effect immediately.

By authority of the President:

(Sgd.) PAQUITO N. OCHOA, JR.

10 Early Symptoms of Cancer in Men

cancer cells

Cancer is one the most common causes of deaths among men. A healthy diet can decrease the risk of developing a certain cancer but other factors especially genes can play a huge role.

Once a cancer spreads and reaches a higher stage, it can be difficult to treat. Healthline.com enumerates 10 of the most common cancer symptoms in men. Knowing these symptoms can help you seek early treatment which gives you a better chance of remission. 

1. Bowel Changes

The occasional bowel problem is normal, but changes in your bowels may indicate either colon or rectal cancer—collectively called colorectal cancers. Colon cancer affects the entire colon, while rectal cancer affects the lower portion that connects to the anus.

Frequent diarrhea and constipation may indicate cancer, particularly if these bowel changes come on suddenly. These problems also may be accompanied by frequent gas and abdominal pain.

2. Rectal Bleeding

Rectal bleeding may be an early sign of rectal cancer. This is especially the case if you experience bleeding from the rectum every time you pass a bowel movement. You may notice blood in your stools.

While this is a cancer symptom, colon cancers are difficult to self-diagnose in the early stages. Regular colon cancer screenings are recommended starting at age 50.

3. Urinary Changes


Incontinence and other urinary changes may develop as you age. However, certain changes can be a sign of prostate cancer. Prostate cancer is most common in men ages 60 and older.

Common urinary signs include:
- leaks and incontinence
- inability to urinate despite urges to go
- delayed urination
- straining during urination

4. Blood in Urine

While prostate cancer doesn’t always cause symptoms in its earliest stages, blood in the urine can be one of them. Blood in urine also may be a sign of a urinary tract infection (UTI) or other prostate problems.

Early prostate cancer can also cause bloody semen.

5. Persistent Back Pain

Back pain is the most common cause of disability, but few men realize that it may be a sign of cancer. Common symptoms of colorectal and prostate cancers may not show until they spread to other parts of the body, such as the back.

Unlike occasional muscle pain, this causes tenderness and discomfort in the bones. Prostate cancer specifically may cause these symptoms within the bones of the hips and lower back.

6. Unusual Coughing

Coughing isn’t exclusive to smokers, or to people with a cold or allergies. A persistent cough is an early sign of lung cancer. If you don’t have any other related symptoms, such as a stuffy nose or fever, the cough probably is not related to a virus or infection.

Coughing accompanied with bloody mucus is associated with lung cancer in men.

7. Testicular Lumps

Testicular cancers in men are less common than cancers of the prostate, lungs, and colon. Still, there are early signs you shouldn’t ignore. Lumps in the testicles are a warning sign that you might have this cancer.

Doctors look for these lumps during wellness checks in elderly men as well as those with a family history of testicular cancer. For earliest detection, consider checking for unusual lumps once a month.

8. Excessive Fatigue

Fatigue can be related to a number of chronic illnesses and medical disorders. Excessive fatigue is your body’s way of telling you that something just isn’t right. As cancer cells grow and reproduce, your body may start to feel run down.

Fatigue is especially prominent in colorectal cancers in men. See a medical professional if you have excessive tiredness that doesn’t go away with a good night’s sleep.

9. Unexplained Weight Loss

It becomes more difficult to maintain your weight as you get older, so you might consider weight loss as a positive thing. But, sudden, unexplained weight loss can indicate a serious health problem, including almost any type of cancer.

If you rapidly drop pounds despite no changes in diet or exercise, discuss this with your doctor.

10. Lumps in the Breast

Breast cancer is not exclusive to women. Men also need to be on guard and check for suspicious lumps in the breast area. This is the earliest detectable symptom of male breast cancer. Call your doctor immediately for testing if you notice a lump.

Genes can play a role in male breast cancer, but it may also be caused by exposure to radiation or high estrogen levels. Breast lumps are most commonly found during your 60s.

Source: healthline.com 
On Guard: 10 Early Symptoms of Cancer in Men by Kristeen Cherney

SUNSTAR: Seno Plays for Palaro, But Still Aims for US Pro

By Iste S. Leopoldo | Wednesday, October 29, 2014 | www.sunstar.com.ph

CEBU’s Jan Godfrey “Noynoy” Seno returns to Cebu and eyes joining his last Palarong Pambansa 2015 stint before flying back to the US for good.
 Jan Godfrey D. Seno
Photo Source: Therese Rouelle Ancot Yonson

Seno, 15, of Bogo City, a former tennis varsity player of the University of San Carlos-Basic Education Department (USC-BED), flew to California, US, with his father, Noel, last July after being invited to play in a prestigious sectional tournament in northern California with Macmac Tabo-tabo.

After an impressive finalist finish, several coaches advised him to stay behind because they saw his potential. Seno opted to stay in Colorado with a relative and enrolled at the Sand Creek High School.

With only three weeks in Colorado, he immediately carved a name in the history of tennis in Sand Creek High School after helping his team end the 15-year reign of Cheyenne Mountain High School in the Class 4A Region 6 tournament.

Seno beat Cheyenne Mountain No. 1 player Luca Stanciuco of Romania.

“It was a very memorable experience. During our game, he was very aggressive to win, but when I was already leading with 5-0, he seems to feel weary, probably because of pressure. He was representing the school that has dominated the tournament for 15
years,” said Seno, now stands 5’11 tall.

Seno said he observed that the support from schools in the US is very different compared to the Philippines.

“Schools were very supportive, they provide food, drinks for their players, even set up tents in the venue to show support,” said Seno.

Seno said that in Cebu, particularly, tennis courts are a scarcity. Courts are everywhere in the US, he said.

“In one place, you can find more than 12 tennis courts, but I have observed that only
few are into tennis compared here where there are so many kids who are interested in the sport, but the courts are limited,” said Seno.

Seno enjoyed his stay in Colorado because he was able to play against different athletes who are from different nationalities.