| Tuesday, August 23, 2005 |
| educational plan |
yippee! finally, we were able to get an educational plan for baby boy! it was a long process, but eventually, hubby & i settled in getting 1.
with all the problems happening now with educ plans of cap, pacific and the like, not only have we thought once, twice but a lot of times. we’ve considered other options, time deposit for example. but then, when explained to us the pros & cons, we’ve realized that EP is still better for us. first, it’s harder to withdraw! sa aming pagka-gastador, baka imbes na i-renew namin ang money sa TD eh bigla naming magastos ung kalahati…patay ang edukasyon ni baby boy! second, if anything bad happens to me, my baby is assured of a certain amount from his pre-school to high school. third, we are both insured! =)
we went to the no.1 insurance company in our country, atleast kahit papaano, trusted na ito. we were supposed to get the 1st plan offered to us. pero nung nakita ko, nyahaha, parang ung amount na ibibigay nila sa akin after 17 years eh pambayad na lang ng “miscellaneous” ng anak ko sa school. pinakita kasi nila sa akin ung projected tuition fees after 17 years, though medyo exag, aabot daw ng .5M per sem! haller, totoo ba ito?! sabagay, after 17 years eh nag-devaluate na din naman ang pera ng pilipinas by then, so posible! o well, after that, pinakita sa amin ang isa pang plan, which is the dollar scholar. ok sya kasi dollar ang makukuha mo. eh malamang sa mataas na ang dollar equivalent sa peso after 17 years. ang problema lang, dollar rate din ibayad ko, hehe.
after thorough thinking and computing, and with the BIG discount and flexible terms given to us (kaibigan kasi ng father ko ung may-ari ng agency), we decided to get it. panalangin ko na lang na huwag munang gumuho ang ekonomiya at tuluyang bumagsak ang piso sa susunod na limang taon dahil baka bumagsak din ang pambayad ko, hehe. after 5 years, sige, pwede na. ang sama ko! =)
ngayon ang problema ko eh ung initial payment! ganun ka-flexible ung plan namin, inabonohan pa nya ung unang bayad ko, hehe. gusto ko ngang sabihin na pwedeng paki-abonohan na po lahat ung limang taon, wish! pag uwi ko ng bahay, tsaka ko na-realize na malaking halaga pala un (lagi naming ganun eh! gastador kasi talaga ako eh! =) at di ko na alam kung saan kukunin ang pambayad! malamang sa di na kami kakain ng asawa ko para lang mapag-aral ang anak ko. sabi ko nga kay baby boy, mag-breastmilk na lang sya til 5yo, para walang gastos sa food nya, haha.
after this, i realized the sacrifices parents can do for their children! i just wish that baby boy will appreciate it and makes good in his studies! oh, how i love my parents more! =) |
posted by apple @ 9:15 AM  |
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