December 22, 2009

Starting An Online Business

I just realized that if were to be successful in achieving my dream of building my dream house, I have to have another permanent source of income. Our combined household salary is just enough for our current expenses and at the rate we are saving money, it may take forever before we can re-build this house again. But what business can I put up?

I am seriously thinking of an online, used bookstore. I love reading and I do love selling stuff online. I had some success way back with selling our old car and some other stuff online so I can say that I have some sort of experience. I also do some online transactions. I can design a pretty decent website and I think I already know how to send and receive payments online. My only reservation really is whether people would know that my online bookstore exists. But when I heard about orangesoda.com reviews, I realized that help may be just a click away. I found out that OrangeSoda reviews can provide help on how to make an effective online campaign. And this is just what I would need for my online business, for people to find out about it and hopefully purchase online. I guess I can now really make this business a success with the help of OrangeSoda Reviews. And just maybe, an online bookstore is just what I need to make the dream of building this house come true.

December 17, 2009

I am Giving Away Mango Trees!



I have several Mango trees growing in cans or pots in our house in Quezon City and they now need a permanent home. I am giving them away for free and for pick-up at Robinsons Galleria. All you have to do is email me and schedule a pick up and they are yours!

Unfortunately, as much as I would love to see them grow and bear fruits, their roots will destroy the cemented space inside our compound. And even though we know we dont have space for them, it has become a habit to stick the seeds on our little patch of land and hope that they will grow. And now that they did, they need a new home.

So if you are interested to own fruit bearing trees, just let me know!

November 27, 2009

A Proper Garden



As I have said in a previous post, I love gardening and I dream of having a proper garden someday. Of course, the since the dream house project is now in limbo, no thanks to Ondoy, I can only wish for that proper garden. So can you imagine my delight when we went to Sonya's Garden last weekend?

Whenever I get my hands on a magazine, I always look at ideas on how to make a pocket and dish gardens. I think this is the closest thing to having a garden that I can achieve. It really makes me happy to get my hands dirty and see how a patch of soil turns into a thing of beauty after a few days. Oh well, I can always dream!

But I make do by planting on bottles and even Halloween baskets! I think I can make a proper garden out of a this collection!

November 23, 2009

Travel Wish List: Europe

This weekend, we were in Tagaytay for a team building activity. We climbed a volcano and marveled at the beautiful sight of Taal Volcano. While we were resting and waiting for some shade on our way down, the conversation turned to where we want to go if we can travel out of the country. Surprisingly, we all wanted to go to Europe. One friend wants to go there to shop at all those designer boutiques and stores like Timberland Schuhe. I want to visit ancient Rome and wonder what it was like during their golden age. Another friend wants to see Paris and all museums all over Europe. We had so much fun dreaming about this trip that they asked me prepare an itinerary and budget so that we will have an idea how far we are from realizing this dream. Of course, this is a challenge but one that is easy for me. I already have hotel ideas, thanks to Hotels Europa Spanien and Hotels weltweit buchen. These websites are so easy to use that I was able to plan a trip right away. And thanks again to these websites, we now know that we need to start saving for this trip right away!

November 3, 2009

Insurance Claim Status

Remember that I filed an insurance claim for the devastation that typhoon Ondoy brought to my house? Well, it has been 2 and a half weeks since I went to the Pag-Ibig office in Makati to file it. I followed up last week and was told that my application was among the first batch of the insurance claims filed with the adjuster.They said that I should call again this week and get the number of the adjuster so that I can call them as well to follow up. In the meantime, I was told that I can already proceed with the repair of the house and the photos are already sufficient. I was also advised to just keep all receipts of materials that I will buy for the repair. The insurance claim may take 90 days, I was also told.

Well, this is a first time for me so I want to ask all of you if this is really how an insurance claim process or procedure is. I really don't want to do any repair until an adjuster has seen the house. Just to be on the safe side. I would appreciate any advise you can give me.

October 20, 2009

So What's The Plan Now?

It has been 3 weeks since The Great Flood and that Saturday of September 26, made us re-think about our plans for the dream house. We were supposed to move next year, after my eldest son graduates from elementary so he can start his high school here. But after this, we have lost the peace of mind that owning this house give us.


So what's the plan now?



It has been 3 weeks since and we have been there every Sunday to clean up. We are almost done and only half of the back needs to be shoveled. We don't have water and electricity yet, and we haven't checked the wiring's yet. We only boarded up the broken windows and walls. There are no more things to loot anyway so we are just keeping the house as it is, until after we hear from the insurance claim I filed last week.

We have no concrete plans yet. We are in a wait and see mode, cleaning the mud and hoping to move on. I don't want to sell this house because aside from the financial investment, we already have some emotional investments here. Of course, we lost some or most of it. Though friends are always here to give us hope, we are still undecided. But we don't want to decide just yet. So we have continued our amortizations, and did not apply for the three months moratorium.

So let's just wait and see on whether we will still build this dream house.

October 9, 2009

How to Claim Insurance from Pag-Ibig for Typhoon Ondoy

I heard this first on TV and from the news, I saw this part of an article:

Insurance claim

Members whose houses are currently mortgaged with Pag-IBIG may also file for non-life insurance claim covering the difference of the estimated cost of repairs and the proceeds from the non-life insurance claim, provided it does not exceed P150,000.

Like its regular housing loan program, the pieces of property should be covered by appropriate titles issued by the Register of Deeds “free from all liens and encumbrances” and should be in the name of the borrower.

Members can avail of the rehabilitation loan within 60 days starting October 5, 2009. For any inquiry on the new program, they can visit any Pag-IBIG branch or call the Pag-IBIG hotline at 724-4244.


Of course, I had to find out if I qualify for an insurance claim. I have been paying for this housing loan for 5 years now and have even qualified for their good payor program. My only problem would be on the title since it is still on process until now.
I called the hotline and was told to submit the following documents at the Pag-Ibig office at the Atrium Building in Makati, Room 314:
1. Barangay clearance or certification
2. Pictures of the damaged property (at least 12 pictures)
3. Bill of materials

From my developer, aside from the above, I was told to get these forms from them and submit to Pag-Ibig also:
4. Insurance application form
5. Sworn Statement-notarized
6. Architect Estimate

I think the architect estimate will include the Bill of materials as well. I will secure these documents within the week and submit to Pag-Ibig as soon as possible. If I can claim some form of insurance, it will be a big help at this time.

Pag-Ibig office is open from 8am-5pm, from Mondays to Saturdays.



October 8, 2009

Pictures of Ondoy's Wrath On My House

Ten days after Typhoon Ondoy ravaged Metro Manila and Rizal, we went to Dela Costa Homes 5 in Montalban, Rizal to see how badly our dream house has been damaged. And to say the least, it was indeed ravaged.

Here are the pictures of how my house is now.

The saddest thing is we were also looted. You can see in the picture below that the gas stove was not washed away by the flood, but was taken after.






You may wonder why my husband is still smiling in the picture below despite the damage to his beloved house? It's because we are both thankful that we were not in Montalban when it happened. This is our weekend home and we were supposed to come home that weekend. I can't remember now why we didn't go, but I will always be thankful to have been spared of the experience. I can't help but shudder at how I would manage with 3 kids and without my husband (he works on Saturdays).

This is just a house. Home will always be where we are together as a family. And even though Ondoy washed away our very high hopes and dreams for this house, we will not be deterred. We will somehow find a way to build our dream house.



September 29, 2009

Dream House No More, No Thanks to Ondoy

This dream house of ours is located in Dela Costa Homes V, in Montalban Rizal. And you may have heard about it lately in the news: death toll of more than 10 people, no power and water supply and mud up to your ankle. Yes, the dream house is no more.

And I am not alone in this story. Check out their story of how they survived, but their house didn't.

So all the money we borrowed to construct this dream house little by little are now no more. We tried to build it one hollow block at a time, but now, all of those efforts are now gone.

We are only thankful that we were not there to experience the harrowing calamity and all the members of my family are safe. To hear the nightmare of the neighbors and the story of how they survived is making me weak in the knees and still give me shivers.

Now, my husband is telling me that we will not live there anymore, nor will he bring the kids there in that house. I dont know if he will change his mind when the weather is better, but I dont know how to argue my point with him anymore.

We haven't been there yet, since there is no power and water yet. We wont be able to do anything anyway. We might visit there this weekend and try to pick up some pieces of our life there.

September 23, 2009

My First Attempt at Gardening

I have always loved plants and gardening. The only problem is, there is no space to make a proper garden. What I have here at our current residence is a small plot, frequented by cats! Can imagine the smell? That's why I wouldn't touch it then. But when the drainage was repaired and the small plot was left in a very unpleasant state, I decided to do some serious gardening.

Here are the initial result of my efforts. I think I need to add more plants there to make it more even, but it does look a lot pleasant now. I wanted to throw away he old plants in rusted cans and pots of different shapes and sizes but my mother and mother-in-law wouldn't let me so I just put them against the wall. See the beer bottles? I am trying to put them into better use!
But what I really love are my hanging plants. Looking at our kitchen window, these hanging plants are surely pleasing to the eye.



So this is my first serious attempt at gardening and I hope to plant more flowering plants here.

On another note, I also have a plant here in my office!


September 15, 2009

House Tripping



If you are looking for a property to buy, and you already have an idea where you want it, the next thing you need to do is sign up for a tripping, and do a site inspection of the place and the area. A house tripping is free, and most of the time, they take care of your transportation and snacks.

The flyer above was given to me while I was walking in the mall. If I am interested in this property, I would call the agent and set-up a tripping schedule at my convenience. They sometimes do this on weekends and with a group.

During the tripping, you must observe the following:
1. Availability of public transportation to and from the site. Even if you have a car, it is always a must to check how convenient it is to go and in and out of a development. Also, are tricycles owned by residents of the village or are these from outside?
2. How is the security of the place? Is the village secured? How do they accept visitors? Are the tricycle drivers required to leave their IDs?
3. Are there available village amenities like a clubhouse,swimming pools, basketball courts, etc? Are these available to outsiders as well?
4. If you can, talk to residents for feedback on the garbage collection, safety and security, ease of dealing with the developer on permits for improvements and other concerns, etc. because they can always give you honest feedback whether they are satisfied or not.
5. Look at the materials used at the house and the quality of workmanship.
6. Don't be shy to ask any question that comes to mind even if you are not yet decided on buying. You are not wasting their time, but asking a legitimate concern.

Another thing that is very important to remember during a house tripping is this: You don't have to pay a down payment or reservation fee right away. You must think about it first.

During one tripping, the sales agent who was with us was almost bouncing on her heels asking us to give a reservation fee right there and then, telling us that we will get a discount if we pay now. My husband and I just exchanged an incredulous look and told her we are still thinking about it and will call her once we have decided. Some people in the group paid a down payment, I think more out of a sense of obligation, rather than because they like the property.

So before you decide to buy a property, take time to do a house tripping and see for yourselves exactly what you are buying. It is better to take a look at a lot of properties first, than paying a down payment right away, then changing your mind after seeing another development. Remember that you are not required to pay anything unless you are really sure that that is the property you want. Just enjoy the house tripping until you have finally found "The One."

September 6, 2009

Drainage Problems



Home ownership is really not a walk in the park. Just this weekend, we had problems with the drainage in our restroom. The water wont flush as quickly as before, which means that the drainage is blocked or something. I poured Liquid Sosa, an agent to dissolve muck but it didn't work so we had to have it opened. Turns out, the drainage is now clogged.

The drainage that my mother in law had installed some 20 or so years ago now needs to replaced. It is now filled with silt and the water does not flow anymore. The problem with our restroom was just the signal that something was wrong because ours is the nearest to that big clogged pipe. Of course, since there are 3 other houses in the compound, the drainage has be repaired right away. It is one of the problems that comes with home ownership: you cannot anticipate any of these problems but you have to have budget for them anyway.

And I will soon have these problems to worry about. Ugh.



August 29, 2009

Should We Rent It Out?

Earlier this year, some things happened beyond our control and we thought we had to move out of our current residence. This past few months, things have settled down a bit and we don't need to move anymore. But I don't know for how long. And its not something that is within our control. We don't want to move yet, as we are still saving to add more improvements to the new house. Though if push comes to shove, we have somewhere to go.

Now, the dream house is livable and now with light and water service. Last time we were there, the neighbor who has a store asked us if we are moving anytime soon and if not, would we want to rent out the house? The current rent in the area is P1,500-P2,000. We are currently paying amortization for the house and we are thinking if we should seriously consider renting it out.

Personally, I can't bear the idea of letting other people live in my house. But of course practically, that is a viable option. My husband has no comment as of this writing and I don't want to influence him by telling him how I feel.

Now, what about you guys? What do you think: To rent or not to rent?

August 25, 2009

Brad Pitt and Angelina Jolie bought $70M Home


Can I just write that one more time? Brad Pitt and Angelina Jolie bought $70M home. Wow. And another W-O-W! It is a 17Th century French chateau on a 1,000 acre property. It has 35 rooms and I would expect, everything else at that price.


The above picture is just an example of what a chateau is. And since Brad and Angelina have a big family, they could fit in that house quite snugly. Ha ha, bitter much? They are said to be buying that house to give their kids a chance at a "normal"life. Yeah, like kids who live at $70 million houses could be normal. Ha ha, again insert bitterness here.

Seriously, the couple has done a lot of humanitarian work and deserve to enjoy their money. It looks like their priority is really their family and if it is their dream house, and they have the resources, then why not. Maybe their kids will get a normal life there, since their neighbors will not be awed by the Hollywood parents.

Well, that's the lifestyle of the rich and famous! But we can all dream.


Make sure your house is safe from flood


Were you awake last Saturday morning, around 3am when it rained very hard? My mother in law pounded at our door around that time, telling us that street outside was flooded, and should the rain continue to pour, we would need to evacuate.


The picture above is the gate to our house here in Quezon City. The gate is a few feet away from the street, and we are elevated. So if you are on the street, that flood water would be up to your knee. That was how high the flood water was. My house is the 3rd one inside the compound. During that heavy rain, some water already seeped inside the house and we had to move up some furniture. The bathroom was flooded also and I was dreading that the continuous rain pour would finally make the flood water in the bathroom overflow. Ewww! Good thing, the rain seemed to have lost its anger by that time! Whew! Come daylight, we had to clean the floor with soapy water and dry it with electric fans. The flood water left some mark on the wooden walls. Thankfully, no furniture were damaged. Outside, we placed the plants back to their proper place after rescuing them from the flood. And later during the afternoon, it was sunny alright and no trace of the flood was left except for the sleepy adults who held vigil during the flood. It was the first time in eleven years that the flood reached my house.



Good thing our house in Montalban is free from flooding now. Before, during the typhoon that devastated Quezon, residents told us that flood water almost reached their roofs and they were all so scared with the rush of water during that fateful night. There were live pigs and cars floating around. Many residents sold their houses after that. But the developer reinforced the perimeter walls and there have been no flooding inside the subdivision ever since.

So when you choose a house, make sure that it has no history of flooding. Check the location. Otherwise, you will be in for a lot of headaches!

August 12, 2009

Title, Title Title. What I Didn't Know.


Did you know that when you get a housing loan from Pag-Ibig, you will only have a xerox copy of the title after 2 years of continuous payment? I know, I should have known, but I didn't know! Anyway, according to my developer, they received a notice from Pag-Ibig two years that the title can now be transferred to my name. The initial photocopy of title I received is still under the name of the developer and Pag-Ibig. Now it is being transferred to my name. But I will only get a photocopy and the original will be with Pag-Ibig until after I have completed the payment of the loan. Did you also know that this process takes forever? According to my developer, after they received the notice from Pag-Ibig and I signed some papers ( I cant recall what documents are they) they will return it to Pag-Ibig. Upon release, they will file it with the BIR. I am now in this stage. They filed with the BIR last July 7 and told me to follow-up again after a month. Of course, when I called last week, it is still with the BIR and I should call again in a month. Then after the BIR, they will again return it to Pag-Ibig for the release of the title, then to RD for the change of name in the title. Then I will finally get a photocopy of the title. My developer told me that this whole process may take 6 months to a year. I started this process last March so I guess this may take a year or longer. Again, the long wait is upon me! And I still don't know anything about titles!

The reason why I need that title is because I would like to apply for another loan from Pag-Ibig, this time for home improvement. But as it is, this may took sometime. Or in this case, more time, a lot more time.

How Much is My Home Worth?

I recently read a topic on a forum thread on whether a house is an asset or a liability. Personally, I would answer truthfully that my house is an asset for me. Reading further however, I realized that my opinion is biased because the value of my house as I perceive it is really different from its market value. Therefore, if I intend to sell, and since I have no idea how to get a fair market value of my property, the responsible and smart thing to do would be to hire an appraisal management company like KStreet Appraisal. There are of course other appraisal management companies out there, but I would of course choose KStreet Appraisal because they provide fast and accurate appraisal. They can even provide a free home value estimation if you require an immediate idea of the value of your house.

So if you want to know the value of your home, or the value of a property you intend to buy, it is best to consult the experts especially on appraisal district that is known to provide world-class customer service and very competitive fees.

July 27, 2009

First Family Photo


This is our first family photo taken at the dream house. This is the second time we slept there during the weekend. I don't know if this is just me, but I sleep more soundly and wake up more relaxed here. Maybe because my heart is really in this house already.


It does help that there is a farm in front of our house and the view is nice. There is a rose plant tended by my neighbor and it does add to the charm of the place. I just wish that we have more funds to finally finish building this dream house and start making it our home.

July 6, 2009

My Dream House: Some Before & After Photos

Here are some before and after photos of the front view my dream house. Of course, its far from finish but hey, I am just proud of how far we have gone in this journey.

From this during take out:
To this after several years of neglect:To this during the construction of the gate:
And to this with the grills:

Now, we are having it re-painted gold and green:


The grills should have been dark green but we weren't able to buy ready mixed paint because of the heavy rains. When we tried to combine white latex paint and 2 pint green tinting color, that's the color that came out. Too tired to go to the hardware again, husband and I agreed that the color will do.
Pictures of the before and after photos of the interior will follow. We are going to have the ceiling and walls done next weekend.

July 3, 2009

Finally: The Meter


After exactly 122 days, we are now officially a Meralco subscriber. There is now light! If only their rate is not that high, I would have bought an air con!

The meter and power were connected and turned on last July 1, while we or our workers were not at home. The electrical wiring was still underway then and good thing, the breakers were all off. Of course, our electrician made sure of that before leaving the job the previous day. I was just surprised that we they turned it on without us there when it says in their website on "How to Apply for a Meralco Service Connection" that it will be energized in my or my reps presence. Anyway, I am just happy that we finally have light!

June 29, 2009

How to Wire A House


I will not presume to know how to wire a house and will leave it to the experts. But I am happy with the progress of the electrical wiring in my house and would like to share the pictures here.
I just found out that payment for an electrician is on a per "hole" basis. Since we wanted 6 in all, payment is at P400 each, excluding the service entrance and the circuit breaker, labor will be around P3,000 on this. The materials costs a lot more, especially the circuit breaker and the electrical wires. I wouldn't think of scrimping on it though, knowing that its for my family's safety and my peace of mind.However, for minor wiring needs, you may check out this Do-it-yourself guide on how to wire a house here.

I am just happy that it is starting to look like a house already. And I texted the Meralco guy that we have constructed the service entrance already and if he could inspect it anytime, but he didn't reply. Oh well, after 3 months of waiting, I guess I could wait one more week!

Oh, and please ignore the walls. I will be doing something about it next time, budget permitting!

June 23, 2009

House Construction: Contractor Problems

I have been blogging about how we are building this house one hollow block at a time and since this is our first time to contract labor, we relied mostly on trust and the recommendation of our neighbors. Sadly, we learned some things the hard way.
You must specify exactly the inclusions of the amount you are paying for. For the roof in front, we only discovered that the GI sheet at the side for additional protection from rain was not part of the package. We paid additional money for this. Then for the walls at the back, the contractor told me to buy flexible hose for the wires so that they will be in place before he cement the walls. Then when we came back, he did not put them saying it was not part of the package. Then, he also measured the window and the door at the back and gave the measurement to the guy doing the grills. When we came back, the door and the window grills were not yet in place. The other guy couldn't weld them yet because the walls were rough. He was told by Manong that finishing the door and the window walls were not part of the package either and so we had to pay another person to do it. Good thing Manong is in the province, because if I had been told while he was there, I would have raised hell. I still owe him some money that was left from all his vale so I will just deduct the payment I made to this other guy.

I know that we shouldn't be too trusting but what can we do? The Manong is the father of our next door neighbor and when I told him that the delay to the putting uop of the door and window was because of his father, he couldn't look me in the eye. I told him how could it be not part of the package when he knew that a window and a door will be welded in the walls? He was the one who took the measurements, so if he wouldn't finish that side of the wall, surely, he knows that the other part of the job will be left hanging. Prior to this, he was also complaining that he was "lugi" since he has to feed his men. I just ignored him since this was "pakyaw" and that was not my problem since he was the one who quoted the price until we reach an agreement. Although we are satisfied with his work in the beginning, we just noticed that the more vale he made, the sloppier the work has become.

I think we will just chalk this up into a learning experience, an experience which costs us some money. But hey, this is a small price to pay for a Dream House, right?


June 15, 2009

Finally : The Meter Base

Finally, after 101 days of waiting, we have finally found the light!


We were told last Saturday to construct the service entrance so that they can connect the power already. Of course, there used to be complete electrical installation in the house but all of it was vandalized. This is just another expense that we now need to shoulder. And payment to the electrician is P400/outlet. And that's just for the labor. Costs of the wire from the meter base to the circuit breaker is at P26/meter times two and the panel board is at P3,900. Add the outlet s and the switches, the pvc pipes and the lighting fixtures and it means a lot more dent on our pocket!

But hey, let there be light! After the long wait, we are just glad that its finally over. So we again count the days until when we can finally switch that light on. I hope it will not take them another 100 days.

June 10, 2009

101 Days and No Electricity


Its been exactly 101 days since I paid my developer for the light and water connection fee but I have no electricity yet to this day. And the person who is in the site office is clueless despite my repeated and incessant follow-ups.

But out of the respect for the elderly, I have always been kind and polite to him. I called the other office here in Manila and was told that their previous engineer resigned and the new engineer has yet to give an update on these pending applications.

I have been uncharacteristically patient on this one since I do not intend to live in the house yet. But we want to stay there during weekends just so we can relish the feeling of owning our very own house already. But how can we when we don't have electricity yet?

M-Y P-A-T-I-E-N-C-E I-S R-U-N-N-I-N-G O-U-T!!!

May 29, 2009

The Greal Wall of Dinah

Remember how we are building this house one hollow block at a time? Well, finally all 3 walls at the back up are up. That's the picture my husband took last Wednesday when he went there to give Manong the Contractor his vale. We will come back this Sunday to check out the progress on the gate and grills at the back.

Its really difficult to have construction while you are not on site. You have to find a trust worthy contractor. Good thing our Manong is our next door neighbor and even before we discovered that he makes houses, he was already taking care of our house.

We have already exhausted our budget for the first blast of this project. And we hope to find another source of funds to complete this house. We promised ourselves we will finish this in 5 years, although we don't know yet how we will do this. With lots of prayers and some luck, we will make this dream come true.

May 18, 2009

Rough Road in Rodriguez, Rizal

I love Rodriguez (formerly Montalban) Rizal. This is to be my future home. But I hate this stretch of very, very rough road from Dela Costa Homes V going to the national road in Montalban. We were told before that this will be cemented but it has been four years and the road is still like this.



I don't know what the homeowners association and the municipal government is doing but this is not funny! This road is also now being used by jeepneys and private vehicles plying the Montalban-Cubao route because a bridge is under contruction in Manggahan. And when it rains, the road is too muddy or, if the rain is too heavy, not passable because of the flood. And when it's not raining, can you imagine the dust! Some enterpriising residents even earn money from watering the road to minimize the dust and asking money from jeepneys1 I am hoping that since election time is next year, somebody will notice this stretch of very rough road and do something about it! Fast!





Hello, public service anyone? I hope to see a sign that reads, Your Taxes Are Working For You! Soon!

May 13, 2009

How to Apply For a Meralco Service Connection


Its been almost 3 months since I submitted the requirements for my Meralco service connection to my developer and until now, we don't have connection yet. My husband was there this morning to follow up and the reply was they are still waiting for the meter base to be installed, whatever that means. They also said that they cant say when Meralco will do this. Another whatever! I just don't have the energy to argue today. Wait until I'm in the mood and this will be the subject of another blog post.

Anyway, I just copied this from their website, but here are the requirements and the steps on how to apply for a service connection from Meralco.

Requirements:

To expedite the processing of the application, the following are the requirements for electric service application:
  1. Properly filled-up application form.
  2. Original Copy of wiring permit
  3. Photocopies of the following documents. Please bring the originals to show the Meralco personnel.
  • One Valid ID
  • Proof of Ownership / Occupancy
  • Notarized Undertaking from the Building Owner
  • Bill Deposit
Step by Step Process

1. Proceed to the Branch with the application form and the requirements to the Service Application Desk.
  • Submit the application form and the required documents
  • Get a Service Application Number.This would be your reference whenever you call the branch or Call Center to inquire about your application. If necessary, the branch will survey your area to check actual conditions. Based on these findings, the Branch might require other documents.
  • Pay Bill Deposit
  • Sign the Electric Service Contract
  • Get the meter socket
2. Construct the Service Entrance.

3. Call the branch or the Meralco Call Center after you have installed the meter socket. Provide your Service Application Number and the Branch will send a Field Representative to check your service entrance. The Field Representative shall issue a yellow card that documents whether your service entrance installation is approved or not. If not approved, this will also document the necessary actions to correct the installation. REMEMBER: If there is something that needs revision in the installation, ensure that the recommendation of the Meralco Field Representative written in the yellow card is followed. Don’t forget to inform the branch or the Meralco Call Center after the installation has been corrected. The Branch will again send its Field Representative to check on the service entrance.

4. Submit the Certificate of Final Electrical Inspection (CFEI) to the Branch. After approval of the service entrance installation by the Field Representative, secure a CFEI from your respective city hall o municipal hall. Please submit this CFEI to the branch.

5. Enjoy the benefits of electricity! In the next 2 to 3 working days your meter shall be installed. Your service entrance shall be energized in your or your representative’s presence.

May 11, 2009

Beyond the Iron Gate

The wrought iron grills and the gate at my house are now being installed. We were there yesterday to supervise so there was really no time for a Mother's Day celebration. Nevertheless, I am a happy mother indeed. You see, this house is being constructed piecemeal and it is a lot like like having labor pains, I am telling you. This will still be painted with red oxide to avoid rusting and a GI plain sheet will be added on the side roof. The original plan was to put bricks as design for the gate but we decided to put up the side wall at the back first. We will have to be content with painting it first and maybe have the floor tiled when we have extra money again.

side grills


view from inside

front view


another front view



May 7, 2009

Raise the Roof


Yes, we now have a roof. The wrought iron grills are now being fabricated. Next week, this gate will be finally completed. Or well at least partially. We will put bricks in front but that will have to wait until when we have funds again.

This feels goods. Really good.

May 4, 2009

Building the Dream House: One Hollow Block at a Time


We are building the dream house one hollow block at a time!

This is the gate, currently under construction. The grills are now being fabricated and will also be installed within the week. Doing this piece meal will definitely be more expensive than if we do it as a whole. But since the fund is limited, we better start with whatever we can. This may be a long and painful process but hey, I am up for the long haul.

The journey towards the dream has begun...