Kredyt pod zastaw auta

Jak wyłonić należyty kredyt pod zastaw?

Obecnie na rynku proponuje się nadzwyczaj dużo rozmaitych kredytów pod zastaw, a co jeszcze ważniejsze to rozmaite instytucje oferują takie kredytu, z rzeczonego powodu znalezienie najlepszego jest niejednokrotnie nadzwyczaj czasochłonne i wymagające mase wysiłku. O ile kredytów gotówkowych istnieje wiele wyszukiwarek i porównywarek w internecie, o tyle w przypadku tych kredytów nie da się jednoznacznie zastawić ofert.

Dzieje się tak ze wielu powodów, po pierwsze to różne ruchomości i nieruchomości są zastawione, a po drugie liczba kredytodawców jest znacznie wyższa, a dojście do nich mniej okazały niż w przypadku kredytów gotówkowych. Pamiętając o tych wszystkich rzeczach odpowiednio się zastanówmy zanim podejmiemy decyzję o takiego typu zobowiązaniu.

Na pewno łatwo jest go zaciągnąć, ale zdecydowanie ciężej go spłacić. Dobry kredyt pod zastaw powinien mieć jasno ustalone zasady nadania, spłaty oraz obsługi. Istotne jest, by rozpoznać wszelkie ukryte koszty zanim zatwierdzi się umowę, dopiero możemy pokusić się o porównanie ofert i wyselekcjonowanie dla nas najodpowiedniejszej. Kolejną ważną decyzją, jaką musimy podjąć w trakcie decydowania się na taką formę obciążenia jest rzecz, ruchomość albo też nieruchomość, jaką zastawimy. Ważne, aby nie stanowiła ona całkowitego naszego majątku, bo wówczas jesteśmy stawiani tak naprawdę pod murem.

Zobacz również: Szybkie kredyty

Aquino’s choice as envoy to China is a member of Taiwan’s Kuomintang Party

Click here Lee’s koumintang membership : China expert Aileen Baviera mentioned Lee’s Koumintang membership in her book.

It’s not too late for President Aquino to recall the appointment of Domingo Y. Lee as ambassador to the People’s Republic of China.

Lee’s Taiwan connection is so well-entrenched, it will complicate further the Philippine’s delicate relations with one of the world’s superpowers.

A reliable source in the Chinese community said he knows that Lee, in his 70’s “is a card-carrying member of the Kuomintang.” He said he is not sure if he has resigned but what he understood of the party affiliation is that it’s a “lifetime commitment.”

Kuomintang is the political party of the Republic of China. Online history accounts said it was founded by Song Jiaoren and Sun Yat-sen shortly after the Xinhai Revolution,also known as the Revolution of 1911 or the Chinese Revolution which ousted Emperor Puyi on February 12, 1912.

Led by Chiang Kai-shek, the Kuomintang ruled much of China from 1928 until its retreat to Taiwan in 1949 after being defeated by the Communist Party of China (CPC) during the Chinese Civil War.

China requires a One-China policy in its relations with other countries: the recognition of the PROC, with its seat of government in Beijing, as the sole government of China.

The Philippines adheres to the One-China policy but maintains a people-to-people relations with Taiwan, host to an estimated 80,000 Filipino workers.

Sources said documents submitted to the DFA showed that the affiliation of Lee’s family with the Kuomintang Party goes back to his grandfather.

Lee was head of the Manila Economic and Cultural Office in Taipei, the de facto embassy of the Philippines in Taiwan during the administration of Cory Aquino.

In the book “Cory, an intimate portrait” , a compilation of memories of the late president by people close to her, Lee has a five- paragraph piece which stated his closeness with the Aquino family.

Lee wrote: “Ninoy and I were childhood friends in our hometown of Concepcion, Tarlac. His father was my godfather. We grew up and bonded a lot. Ours was a special friendship – a treasure of a lifetime. Indeed, he was more than a friend to me- we grew up like brothers. Naturally, his chosen partner for life was a matter of a special interest to me.”

Lee was a member of the business delegation that accompanied Aquino in his first trip to the United States September last year. His business description was “senior adviser, Philippine Savings Bank.”

He is listed as a stockholder of Tower Steel Corp. He is also known as owning an alcohol distillery in Tarlac.

China will not embarrass Aquino by rejecting Lee. Some China experts even think that China will use Lee as a showcase of their “United Front” policy towards Taiwan which they consider a province of China.

But as a Kuomintang member, in the conflict between China and the Philippines, whose interest would Lee protect?

The appointment of Lee is another case of friendship winning over competence and professionalism. Foreign Secretary Albert del Rosario had recommended banker Edward Go. Some members of the Chinese community were batting for flour miller Alfonso Uy.

When Del Rosario sensed that the President was not so keen on either Go or Uy, he batted for a career officer. At this time when China is accelerating the intrusions of its warships to the Philippine-claimed islands in the Spratlys, Del Rosario has stressed to the President that it is important that the Philippine ambassador in Beijing is someone who is competent to navigate through the intricacies of international politics while upholding Philippine sovereignty and protecting the interest of the Filipino people.

Sources, however, said Eldon Cruz, husband of presidential sister Ballsy Cruz, is the main sponsor of Lee.

A source said Aquino’s appointment of Lee as ambassador could have something to do with election contributions. Although Lee is not among the election contributors in the list submitted by Aquino to the Commission on Elections, a source also said that Lee could have taken credit for the ample contributions from the Chinese community when in fact even without him, Chinese businessmen are ‘natural’ election campaign contributors.

By now, the Aquino relatives should have realized the folly of their intervention in foreign affairs appointments when they pushed for the retention of a family friend, the inept Alberto Romulo, as foreign secretary. Almost a year was wasted which should have been precious time to re-invigorate DFA and make it an effective arm in governance.

It took a crisis in the Middle East to compel Aquino to change the leadership in the foreign affairs department that is in the frontline in the promotion of the country’s interests in the world community.

Last week, someone called me up trying to confirm a report that the President was recalling the appointment of Lee from the Commission on Appointments, just like what he did with his earlier nominee to the same post, Francisco Benedicto, who caused a lot of embarrassment in Beijing with his actions at the height of the issue of the execution of Filipino drug mules in China.

(Benedicto was actually the appointee of Gloria Arroyo. Aquino re-appointed him to the position upon the recommendation of Romulo.)

For the country’s sake, I hope the rumor is true.

The Village Sports Club, BF Homes Paranaque

BF Homes Paranaque is a republic unto itself. It deserves to be so, being the biggest subdivision in Asia (or so they say). We don’t live here, but I’ve always loved going here. Number one reason…. the FOOD, and simply just hanging out. There’s no dearth of good things to do: my “secret” boutiques are here, and so are my sweet cozy spots for relaxing – be it getting a massage, having my nails done or simply sipping latte in the coffeeshop while enjoying the free wi-fi, of course!

Most recently, somebody pointed me in the direction of The Village Sports Club which is like the Wack Wack, Manila Polo or Palms of BF denizens (this is also open to outsiders too!). I didn’t know there is this oasis in BF Homes until I saw it, all of 1.8 hectares with the right amount of greenery. First impressions: it’s a great place for family bonding.

The playroom with rubber cushion, books and toys wins points for me. It is one place I can imagine my one year-old daughter frolicking in.

Village Sports Club, Paranaque

One great highlight of The Village Sports Club is its swimming facilities. One need not go to faraway water parks because everything’s here: a 25-meter, eight-lane lap pool, the lagoon pool for relaxation, the kiddie pool, toddler wading pond and water playground with its own interactive toys and equipment. Definitely a spot for kids to enjoy!

Village Sports Club, Paranaque

I didn’t take many pictures when I visited, but the sprawling basketball court, tennis courts and badminton courts are all of international standard.

Their 550-square meter gym was also impressive as it was equipped with the latest state-of-the-art equipment like Kinesis One, a stand-alone, multi-gym. The machines even have iPod docks. Of course, there are shower and changing rooms as well as segregated male and female locker rooms.

Village Sports Club, Paranaque

Aside from the gym, the sports club also has a spa complete with sauna and steam rooms and a dance studio for yoga and other group exercises.

At the end of the day, members can hang out in the open air pavilions overlooking the pool or take a break in the juice bar, snack bar and coffeeshop. That’s what I did at the end of my tour which was given by the club’s sales manager Lea Rivera. The interior design of the resto is also posh and I liked the food served the same catering company that maintains Kulinarya in Rockwell.

P1080147

Lea informed me that they are now preparing for Phase 2 of the project which will include six-lane bowling alleys, a game room, more restaurants, function rooms, a grand ballroom for special occasions like weddings, a beauty salon, business center and library.

It’s worth noting that the owners of VSC grew up in BF Homes themselves. VSC president Mike Garcia, recalled how his childhood in BF inspired him to come up with a complex where residents can enjoy sports and recreational activities while interacting with each other.

“I grew up going around this whole place on my bike. We used to hang out in a nearby club with its Olympic-sized pools, but it burned down in the 80s,” he said.

The Village Sports Club
El Grande cor. Tropical Avenue
BF Homes Paranaque

For membership inquiries,
call 514-2211, 836-2772
or email thevillagesportsclub@gmail.com

Ang problema sa mga “shooting buddies” ni PNoy

PNoy's shooting buddy

Ang isang rason kung bakit mahirap tanggapin ang tinutulak ng Malacañang na pagkansela ng eleksyun sa Autonomous Region for Muslim Mindanao ay ang kanilang kagustuhan mag-appoint si Pangulong Aquino ng mga officers-in-charge (OIC).

Maliban sa mag problema ang legalidad ng ganyang plano, marami na ang hindi tiwala sa kakayahan ni Pnoy na kumilatis ng mga taong ilalagay sa pamahalaan. Sa mga na-appoint ni Aquino ng pagpasok niya sa Malacañang, marami naman ang maayos kasama na doon ang sa kanyang economic team.

Ngunit ang mga na-appoint na ang pinaka-qualification ay kaibigan sila ni PNoy, super ang palpak.

Ang nasa mata ngayon ng kontrobersiya at ang nasuspindi na hepe ng Land Transportation Office na si Virginia Torres, na siyang dahilan kung bakit nag-resign si Secretary Jose “Ping” de Jesus ng Department of Transportation and Communication at apat niyang undersecretaries.

Si Torres ay barkada ni PNoy sa kanyang hilig na pagbabaril (shooting buddy). Nasangkot si Torres sa kontrobersiya ng Stradcom, ang kumpanyang nagku-computerize sa LTO.

Pagkatapos mag-imbestiga ang Department of Justice, nirekomenda ang suspension ni Torres. Kahit na ganun ang nangyari, okay lang kay PNoy na babalik si Torres sa kanyang puwesto pagkatapos ng dalawang buwang suspension sa Hunyo 19.

Alam ni Aquino ang panindigan De Jesus sa kaso ni Torres ngunit mas kampi siya sa kanyang shooting buddy. Kaya minabuti na ni De Jesus, isa sa may kredibilidad na miyembro ng gabinete ni Aquino, na mag-resign na lang.Sumama na rin ang apat niyang undersecretaries.

Hindi lang si Torres ang shooting buddy ni PNoy na nasangkot sa kontrobersya. Noong isang taon, pumalpak rina ng isa niya barkada, si Rico Puno, na linagay niyang undersecretary sa Department of Interior and Local Government. Nasangkot rin si Puno sa jueteng. Hindi rin ginalaw ni Aquino ang barkada.

Ang iba pang mga malapit na kaibigan ni Aquino na kanyang linagay sa importanteng puwesto na sumabit ay ang kaka-resign na hepe ng Bureau of Corrections na si Ernesto Diokno . Dating pulis si Diokno katulad din ng isang pumalpak na kaibigan, ang dating hepe ng Philippine National Police na si Jesus Versoza.

Ang dalawang dating pulis at hinayaang mag-resign na hindi na pinanagot sa kanilang mga palpak. Iba na talaga ang kaibigan ng pangulo.

Ang ating mga kabibigan ay may kanya-kanyang ugali at kakayahan. Bilang lider, dapat alam ni PNoy ang magtimbnag ng pagkaka-ibigan at ang kapakanan ng bayan. May mga tao na hindi maturingan ang kanilang loyalty at pagkakaibigan. Enjoy ka sa kanya sa inyong mga shooting activities. Ngunit magaling bang adminisitrator o manager?

Sa pagkunsinti ni Aquino sa mga kaibigang nasasangkot sa kontrobersya, mukhang hindi na “matuwid na daan” ang kanyang tinatahak. Delikado kung ipaubaya sa kanya ang desisyun kung ang mamumuno sa ARMM, ang pinaka maproblema na rehiyon sa bansa.