How much do you expect from your retirement?

by reyna24 on August 21, 2008

Me tumawag – area code 204. Excited ako, baka si Country Boy. Wa message na iniwan, so search ko sa internet kung saan ang area code 204. Winnipeg!!! This could only mean one thing! I was really excited to hear na yong BFF ko from Bagamanoc, Catanduanes has now arrived in Winnipeg, Manitoba with his wife and his 4 kids. Brother ko to sa fraternity, brother ko pa rin sa scholarship and BFF dahil 2nd batch sa group namen. Flying time from Philadelphia to Winnipeg is about 5 to 6 hours.



As is usual with friends, nag-baga ang phone ko in talking with him. Marami kaming pinag-usapan like how to solve poverty in the Philippines, how to solve the Muslim problem and how to provide health care to all Filipinos. Biglang nauwi ang discussion namen sa GSIS.

I know, dahil ambabata pa naten, we’re not supposed to be talking about this issue. Korek? Dapat puro lang mall, boylets and Bora bora. But wait! Di ba, except moi, you all work and contribute sa SSS and GSIS, divanetch? Kestyon: magkano naman kaya ang magiging retirement mo pagdating nang panahon na uugod-ugod ka na?

Na-mention nya kasi na his father was receiving Php2,600 a month GSIS pension. Dahil nag-abroad na si fadir with San Pedro, hinati daw nang GSIS, Php1,300 na lang daw that goes to madir. Pucha ever, kulang daw pambili nang isang sakong bigas. Ayun, nag-sagwan papuntang Canada!

I remember my former officemate sa dati kong trabaho in Philadelphia who told me na ang GSIS pension daw ni fadir nya is Php3,000 a month. Huh?! Sigurado you?! Wez ako believe. Kaya karon, nung nakausap ko ang BFF ko who is now in Winnipeg, I believe na ang lola.

Akala ko ba, you work, you contribute to the Pension System, para pag senior citizen ka na, makapag-retire ka na and be able to live decently at me pambayad ka sa basic necessities mo. Ano ba talaga ang meaning nang pension system sa bayan naten? O me meaning pa ba sya? Hindi kaya, pan-display lang yan para kunyari meron din tayong Pension System just like the civilized world? Maganda kasi ang arrive nang “merong Pension System ang Flippines“. Korek?

I have no clue how to comfort my fwend. An say ko na lang, “Hey! at least, pwede syang pang-bedspace!

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PAHABOL:Sana wag akong batukan nang aking BFF from Cebu who is now working with GSIS in Manila, hehehe! I adore you MFJG! Hahahaha!

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{ 24 comments… read them below or add one }

maxi August 21, 2008 at 3:15 am

ang medyo nalalaman ko is pension ng isang titser(public school teacher ha?), yung matatanggap ay depende sa sweldo at the time of retirement bale last salary, yung basic ha hindi kasama yung tinatawag nilang productivity, clothing at kung ano ano pang anik anik na natatanggap ng isang retiradong ms alpay. then meron din isa pang basis, at the time of retirement meron sila tinatawag na lump sum or annuity like kung sa lotto na term yun yung malaking retirement money then saka lang makakatanggap ng monthly pag umabot na ng 65 kasi they can retire as early as 60. ang isang ordinaryong titser ay makakatanggap ng(yung kilala ko ) around Php800k kasi sya lang ata ang titser na di lubog sa “forloan” kasi ang lahat ng loans ay kelangan bayaran kumbaga kelangan cleared sila. yun lang po.

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adz August 21, 2008 at 3:15 am

Ganon ka kaliit? ano ba naman yan…. pag tanda ko, yan na cguro ang price ng isang pack ng adult diaper…

Ayowko na talaga… ayowko na…

yun lang bow….

adz’s last blog post..Smoker’s Lounge

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Jerichoi August 21, 2008 at 4:00 am

naha-highblood ka na naman reynz. hehe. kitty bank lang naman talaga ng gobyerno ang gsis. walang pinag-iba sa owwa atbp. hmpf!

Jerichoi’s last blog post..In the larger scheme …

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Froilan August 21, 2008 at 4:05 am

In the 1st world country like US, Canada, Australia, Singapore etc. etc. at least maasahan mo kahit paano ang mga Pension, pero ganon pa man,tulad ng advice nila Robert Kiyosaki at Donald Trumph, hindi puedeng iasa mo lang sa pension ang pag retiro natin, we should also know how to invest, hindi lang to save, but to invest while you are young and capable.

Pero sa Pinas, naku labo, yong pension ng father ko sa SSS, hindi naman nya halos napakinabangan, kasi 3 years lang nya nagamit tapos ayon sumakabilang-buhay na, nong pinasa sa mother ko yong pension from 5K ay naging P 2,500 na lang,pero kung iaasa mo lang sa pension mo yong ikabubuhay mo, tingin talagang kukulangin talaga.

Tapos malalaman mo pa na ang hahawak ng SSS ay si Neri, naku patay na, huwag naman sana, kahit di pa nangyayari, baka manipulahin lang at gamitin na naman sa politika, tulad ng nangyari sa pag bili ng “Boracay Mansion” ay yayay. Feeling ko strategy lang pag puesto kay Nerry na maupo sa SSS para magamit pondo sa pag push tru ng Cha-cha, patay, di ba’t ganon na ang ginawa nila sa Philhealth Card na galing ang pondo sa OWWA, ay naku kawawang OFW.

Froilan’s last blog post..“Buloy” – American Version

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mocs August 21, 2008 at 6:49 am

hahahahaha tawa ako ng tawa dyan sa youtube mo sa gilid! where’s the telepromter? tama ba?

mocs’s last blog post..How to earn Money from Ebay Easily

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reynz August 21, 2008 at 10:24 am

hahahaha ayuff pala mag-wala ang madam! hahahah! parang bata! nag-alburoto! hhahahaha!

reynz’s last blog post..How much do you expect from your retirement?

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reynz August 21, 2008 at 10:27 am

that was a very good one froi! that’s right, we all have to have our own retirement funds and don’t depend on SSS and GSIS dahil wala talagang ma-aasahan. kaso, pano ang mga nag-de-depend sa GSIS and SSS retirement who cannot have the benefits nang retirement na binbigay nang mga offshore companies you know? yon lang wawa talaga.

i know about OWWA, i think na-iblog ko ang ginawa nila sa philhealth card.

reynz’s last blog post..How much do you expect from your retirement?

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reynz August 21, 2008 at 10:28 am

i know… puro na lang kasi ako wish na sana tamaan nang kidlat ang mga puta at magsipagbago na! hmpt!

reynz’s last blog post..How much do you expect from your retirement?

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reynz August 21, 2008 at 10:30 am

bwahahahah!!! malay mo baka yong adult diaper eh lumagpas na nang Php1,600 per carton! hahaha

reynz’s last blog post..How much do you expect from your retirement?

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reynz August 21, 2008 at 10:34 am

my bad! YOU’RE RIGHT, meron palang mga lump sum na tinatawag, di ko nadiscuss pala yun and totoo din yong loans na yan dahil tong cousin ko na titser, indi natapos ang bahay hehehe, nag-lump sum nun nag-retire, ‘day! sandamakmak ang utang non kasi nga pinag-aral pa ang buong barrio (puro kapatid nya) ayun, naghihirap na ngayon kawawa naman tuloy

reynz’s last blog post..How much do you expect from your retirement?

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bertN August 21, 2008 at 12:54 pm

Bakit hinati ng GSIS ang pension ng father ng kaibigan mo dahil nag-abroad siya? Hindi ba retirement benefit iyan na supposed to follow you wherever you decide to retire, locally or internationally?

bertN’s last blog post..Yosemite National Park, California August 2008

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maxi August 21, 2008 at 1:55 pm

hoy anong karton ka dyan tinge dun sa tindahan ni aling puring eto naman kala meron costco sa barrio

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maxi August 21, 2008 at 2:03 pm

its so sad talaga sa mga titsers example ko lang yung titser ko sa grade school nag retire sya 5 yrs ago meron nga natanggap pero dami naman kasi kautangan sa lyf kaya ayun not even 2 yrs had passed mahirap pa sya sa magbubukid. she even asked for work kahit tagatinda lang daw ng NFA sa tindahan ni madir. Sad ano tapos yung bibili ng NFA tatawagin ma’am pabili nga 1 kilo heheheh.

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Hannah August 21, 2008 at 3:05 pm

Syet, grabe talaga suliranin dito sa Philippines.

Kelangan habang bata pa eh magput-up ng business (syempre nde monkey business at easy money business) at wag umasa sa pension plans. Yung makukuha sa pension plans eh pambili ng bigas.

Kulang kaya 3k sa gamot ng mga tanders noh…

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reynz August 21, 2008 at 3:24 pm

ateng ganyan na ganyan ang story sa barrio siete nang mga retired titsers! tiga-tinda nang isda sa barrio. remember, umuutang sila nang 5-6 di ba? meron pa namang bombay sa barrio namen, naka-motorsiklo hahaha nangongolekta, yong tseke nila deretso sa bombay!

reynz’s last blog post..How much do you expect from your retirement?

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reynz August 21, 2008 at 3:26 pm

hinati dahil namatay yong fadir, so ang remaining 50% na lang ang kinokolekta na napupunta ki madir.

eto pa ang iniiyakan nila.

when they submitted the papers? inabot daw nang limang siglo bago matapos dahil kung ano anong kakulangan daw na papers at ang pag-sign lang and approval kulang ang 50 years! di pa kasali dyan ang linya na aabutin ka hanggang new year ano?

reynz’s last blog post..How much do you expect from your retirement?

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reynz August 21, 2008 at 3:28 pm

sinabi mo! baka mamaya puro na lang cortal ang mabili mo, taz wala pang pagkain! hala! pucha! nakailang presidenta na indi pa rin mag-improve ang retirement system! anobeeehhh!!!

reynz’s last blog post..How much do you expect from your retirement?

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reynz August 21, 2008 at 3:29 pm

ow?! aba! indi ko alam na pati diaper eh tini-tingi na! hudas na inflation at kurakot yan ah! hahaha!

reynz’s last blog post..How much do you expect from your retirement?

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MaxFemaleBeauty August 21, 2008 at 3:47 pm

able to live decently at me pambayad ka sa basic necessities mo. – As in basic necessity like pambili ng tutpaste at sabon lols!

MaxFemaleBeauty’s last blog post..Jackie Warner, love to hate her!

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reynz August 21, 2008 at 3:53 pm

pati load nang boylets. aba! tanders ka na! kelangan mo na nang aakay seyo! load ang magnet for them to akay you! hahaha

reynz’s last blog post..How much do you expect from your retirement?

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MaxFemaleBeauty August 21, 2008 at 4:55 pm

Bwehehehe… Jews ko I heard nga narinig ko eh bwehehehehe…

MaxFemaleBeauty’s last blog post..Life in Black and White with Leryn Franco

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reynz August 21, 2008 at 5:05 pm

haller! yung isang boylet ko nga ano! nairita pa sa lumang celfone na dala ko from US, as in nakasimangot hahaha! eh kung Php3k, anong celphone mabibili ko sa boylet ko?! pucha otsenta anyos na ako’t uugud ugud na, magtutulak pa siguro ako nang kariton! hehehe

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maxi August 21, 2008 at 6:43 pm

hindi mo ba alam na maski sanitary napkin tingi na din I should know dahil meron kami tindahan ni gloria labandera pwe! kahit yung diaper ng baby ang siste bibili ng pinakamalaking pack si madir tapos yung kapitbahay namin sa may ika limang bundok bibili nun paisa isa araw-araw, ang problema pa yung 6yrs old ang ang bibili/uutang sabay nadapa sa madulas highway e di nadumihan ang diaper. yan ang reality sa halagang kinikita sa atin. Kahit sa manila di sila spare sa tingi system.

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YoungCan August 21, 2008 at 7:32 pm

HOY Baroookaaaaa ka talaga, pati dito sa tarbahu ko sinusundan mo ako, WALA AKONG LUTO DITO – FCOL lol intinedes?

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