Because Ideas Change Lives
Some good news: For the 4th quarter of 2021 which was released on January 2022, the AFPSLAI Capital Contribution Account (CCA) dividend rate for that quarter is at 4%. We don’t know if it will be consistent for the rest of the year onwards, but it’s at least much better than the 9% we got for most of 2020.
In any case, here’s the AFPSLAI dividend schedule for 2022!
(Ang article na ito ay naglalaman ng mga affiliate link.)
Hindi ko alam kung bakit, pero para sa akin kapansin-pansin ang pamagat ng libro na Personality isn’t Permanent (ni Dr. Benjamin Hardy, PhD). Hindi ko muna ito binili, pero nanatili ito nang matagal sa aking isipan. Buti na lang, pagdaan ng ilang buwan, may malaking discount at naging mas mura ang digital Kindle version nito kaya nabili ko siya agad.
Tama nga ang kutob ko. Mayroon ngang napakahalagang aral doon tungkol sa ating personal growth at self-improvement (pagpapabuti sa ating pagkatao) at natuwa ako nang husto dahil sa mga natutunan ko doon.
Ang pangunahing punto ng librong iyon, kung babasahin mo ang pamagat niya, ay nagbabago ang ating personality o pagkatao habang nagdadaan ng panahon. Kung iisipin mo, totoo naman diba? Ilang matatanda na nagtratrabaho na ngayon ang kapareho pa rin noong nasa high school sila? Ilang mga taong nasa kwarenta anyos na ngayon ang pareho pa rin ang pagkatao noong bente anyos pa lang sila? Malamang kakaunti lamang. Ang mahiyaing introvert ay pwedeng maging matatag na pinuno, at ang mahilig magparty at walang bahala sa buhay ay pwedeng maging mas mapag-isip na intelektwal. Halata naman na ang mga tao ay magiging mas-mature habang tumatanda diba?
Gayunpaman, pag-isipan mo ito.
Ilan ang nagkaroon ng masamang ugali dahil sa trauma na nangyari noong sila ay bata pa? Ilan ang mga na-bully noong kanilang kabataan kaya sila’y naging sobrang mahinhin, o naging mapang-abuso sa trabaho? Ilan ang bumagsak sa mga tests sa iskwelahan, napagalitan ng sobra, naisip sa sarili na “hindi talaga ako matalino” at naitatak ito sa kanilang utak? Ilan ang hindi makasabay sa kanilang mga kaibigan sa sports kaya tumatak ang “hindi talaga ako magaling” sa kanilang self-image o paningin sa sarili? Ilang mga mapang-abusong mga magulang ang naging ganoon dahil inabuso din sila noong sila’y bata pa?
Kung mayroon tayong mga masasamang karanasan at mga trauma katulad ng mga iyon, pinipigilan kaya nila tayong subukan ang ilang panibagong bagay, tulad ng mga mabubuting gawain at libangan (habits and hobbies), na makakapagpabuti nang husto sa ating buhay? Pinipigilan kaya nila tayong magsimula dahil iniisip natin na ang mga epekto ng mga masasamang karanasang iyon ay bahagi na ng ating pagkatao (personality) habang-buhay (permanent)?
Iyon ang pinakamahalagang aral sa librong iyon tungkol sa ating psychology. Nagbabago tayo habang nagdadaan ang panahon, at pwede nating KONTROLIN ang mga pagbabagong iyon. Pwede nating piliin kung anong bahagi ng ating pagkatao ang gusto nating baguhin at pagbutihin. Walang permanente sa ating pagkatao o personality, lalong lalo na ang ating mga masasamang asal at trauma.
Pwede tayong maging mas-confident/malakas ang loob, mas mapagbigay, at mas mature kung ginusto natin. Pwede tayong maging disiplinado at mas matapang upang tayo ay magtagumpay sa mga pinapahalagahan natin sa buhay, tulad ng ating mga career/trabaho, relationships, kalusugang pisikal at emosyonal, at marami pang iba.
Bago natin magawa iyon, kailangan nating isipin kung anong klaseng tao ang gusto nating maging. Kailangan nating seryosohin at pagplanuhang mabuti ang ating magiging pagkatao sa ating kinabukasan.
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There was something about the title Personality isn’t Permanent (by Dr. Benjamin Hardy, PhD) that really got my attention. I didn’t buy it at first, but something about it stayed in my mind. Thankfully, a few months later the digital Kindle version had a huge discount so I bought it right away.
My intuition was right. That book DID contain some extremely valuable lessons on personal growth and self-improvement and I’m very glad to have learned about them.
The main point of the book, if you haven’t guessed from the title, is that our personalities change over time. If you think about it, it’s pretty obvious. How many working adults are the same as who they were back in high school? How many 40-year olds are exactly the same as their 20-year old selves? Most likely very few. Extremely shy introverts can become outgoing leaders, and reckless party animals can become more intellectual and contemplative. Obviously, people mature and grow over time, right?
Think about this though.
How many of us develop some negative personality traits because of some trauma from our childhood? How many of us who have been bullied as kids grow up to become extremely shy and reserved, or become bullies at work? How many of us failed some tests, got scolded by our parents, and had the thought “I’m not very smart” etched into out minds? How many of us couldn’t keep up with other kids at sports and had “I’m not strong or athletic” marked into our self-image? How many abusive adults were the result of their parents abusing them as children?
Are those bad experiences and traumas holding us back from trying new things, such as good habits and hobbies that can improve our lives, because we think the effects of those traumatic events are a part of our personalities and are therefore “permanent”?
That is the most important lesson within that psychology book. We grow and change over time, and we can CONTROL that change. We can choose what part of ourselves we want to change for the better. Nothing in our personalities are permanent—not even our toxic habits and traumas.
We can be more confident, more generous, and more emotionally mature if we really want to. We can be the kind of person who is disciplined and courageous enough to succeed at what we value, such as our careers, relationships, physical and mental health, and more.
To do that, however, we have to imagine what kind of person we want to become. We have to seriously start thinking and planning our future selves.
[Read more…]Welcome sa aming maikling guide tungkol sa kung paano magrenew ng iyong driver’s license! Dahil kinailangan kong magrenew ng aking lisensya sa Land Transportation Office (LTO) noong Agosto 2021, naisipan kong magsulat ng article tungkol dito. Kung gusto mong malaman ang mga requirements, fees na kailangang bayaran, at iba pang mga bagay na kailangan mong gawin, basahin mo lang ang guide na ito. Alalahanin mo lang na minsan magiiba ang proseso ayon sa branch na pupuntahan mo, at malamang din na tataas ang mga presyo sa pagdaan ng panahon kaya mainam na lakihan mo ng kaunti ang iyong budget.
O siya, dahil hindi natin kailangan ng mahabang introduksyon dito, simulan na natin ang guide!
Ito ang mga kailangan mong dalhin.
*Sa panahong isinusulat ko ito, ang renewal ay nagkakahalaga ng P585, at ang medical tests ay nasa halagang P480 sa Ayala MRT branch kaya kailangan mong magdala ng higit P1,065. Kung expired na ang lisensya mo, may mga penalties kang kailangang bayaran, o may kailangan kang baguhin sa records mo, kailangan mong magdala ng mas maraming pera.
Tataas din ang presyo pagdaan ng panahon. Kung gusto mong makita ang updated na listahan ng mga fees, pwede mo itong makita sa main LTO website sa link na ito: https://lto.gov.ph/license-and-permit.html#license-schedule-of-fees-and-charges
Tungkol sa medical fees: Ang mga clinic na pupuntahan mo para sa medical tests ay private daw ayon sa mga tarpaulin ng LTO (may picture noon sa article na ito). Ibig sabihin nito, hindi sila government-owned at regulated kaya pwedeng iba iba ang presyo ayon sa branch na pupuntahan mo.
MAHALAGANG PAALALA TUNGKOL SA IYONG LTO PORTAL ACCOUNT: Gumamit ng kakaibang password para sa account na ito. Baka kailanganin mong ilogin ito sa isang pampublikong PC sa LTO branch. Mabuti nang maingat ka dito para hindi mahack ang iyong ibang personal accounts.
[Read more…]Welcome to this short guide on how to renew your driver’s license! Since I personally needed to renew mine at the Land Transportation Office (LTO) last August, I thought about writing about it here. If you want to know a bit about the requirements, the fees, and the things you need to do, just keep reading this guide. Take note though that the process may be different depending on what branch you go to and the prices will likely increase in the future so budget a bit more for it.
In any case, since we don’t need long introductions here, let’s start with the guide!
Here’s what you need to bring.
*As of this writing, renewal costs P585, and the medical tests cost approximately P480 at the Ayala MRT branch, so bring at least P1,065. If your license is expired, you have penalties you need to pay, or you need to revise your records, then you need to bring more.
The prices may increase in the future. If you want an updated list of fees, you can check it out on the main LTO website here: https://lto.gov.ph/license-and-permit.html#license-schedule-of-fees-and-charges
Notes on the medical fees: The clinics for the medical tests are said to be private according to the LTO’s tarpaulin (pictured somewhere in this article). That means it’s not government-owned and regulated so the prices may be different depending on the branch you go to.
IMPORTANT NOTE ON THE LTO PORTAL ACCOUNT: Use a different password for this account. You may need to login this account on a public PC at the LTO branch. It’s best to be cautious here to avoid getting your other personal accounts hacked.
[Read more…]
