Settling Down - North or South

[1D4LV]

Wifey suggested that, kaso i'm against paying rent, wala napupuntahan hulog. Might as well get one and yung hulog mo may mapupuntahan.

Pero parang ngayon gusto ko na din na mangupahan, nakakarindi na traffic eh.



In-time bro, hindi pa ganun kalaki resources naten.



Same experience, I attended a 1 week workshop sa tacloban naobserbahan ko ganyan din mga officemates ko panalo kako!

take note that in purchasing properties, there would be hidden costs involved like real estate taxes, maintenance costs, association dues, etc. and if sooner or later, you will outgrow your property... ok lang kung may lot ka na pwedeng mag expand, but what if kung townhouse or may small lot lang?

it happened to me.... the townhouse that we purchased 15 years ago is now too small for us....

the only pro that i can think of if you own your own property is appreciation costs, pero depende sa lugar.

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Wifey suggested that, kaso i'm against paying rent, wala napupuntahan hulog. Might as well get one and yung hulog mo may mapupuntahan.

Pero parang ngayon gusto ko na din na mangupahan, nakakarindi na traffic eh.



In-time bro, hindi pa ganun kalaki resources naten.



Same experience, I attended a 1 week workshop sa tacloban naobserbahan ko ganyan din mga officemates ko panalo kako!

take note that in purchasing properties, there would be hidden costs involved like real estate taxes, maintenance costs, association dues, etc. and if sooner or later, you will outgrow your property... ok lang kung may lot ka na pwedeng mag expand, but what if kung townhouse or may small lot lang?

it happened to me.... the townhouse that we purchased 15 years ago is now too small for us....

the only pro that i can think of if you own your own property is appreciation costs, pero depende sa lugar.

[yebo]

^^^ sinabi mo sir! yan ang mahirap sa townhouse, di pwede mag-expand. pag garahe pinagusapan you need to sell 1 car to buy another. yan nangyayari sa akin ngayon walang parking 1 kotse ko, buti na lang allowed street parking sa amin. pero just 2 times in the last 3 weeks may gumasgas sa car na nasa labas, halatang sadya kasi di naman bangga.

my wife and I are considering buying a lot already, maybe by next year. ang mahirap i am tied to the north, so north lang ang choice ko. for 1 nasa QC ang mother ko and she's 88 already. ayaw naman niya sa amin tumira. we do her groceries and marketing, and syempre pag ganyan na katanda regular ang visit namin to look after her kahit may kasama siyang aunty ko at may maid naman sila. kaso ang hirap na humanap ng matino and affrodable lot sa QC. prefer din namin QC kasi for schools - UP, ADMU, and UST is just 1 ride away.

bulacan we have 2 lots sa malolos. but that will be sold, di na namin type matira dun.

[ms_jazzy]

Ok lang magrent basta malapit boss. Mas madami ka pa din matitipid. I live in Bulacan, works in Manila, UN ave area, tolerable yung traffic/byahe pero ung cost naman. And pag may baha or xmas season, nakakapikon na din traffic.

[jut703]

Personally I'm against renting because it's money that goes nowhere. If you're paying for the place, at the end of your loan term then it's yours - you can resell it (and get back all that you paid), or have it rented out (and get extra income).

Since I hate getting stuck in traffic, I bought a place that's less than an hour drive from any business district even during rush hour.

I would prefer a small house in a good location than a big house in a faraway land.

[dr. d]

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Personally I'm against renting because it's money that goes nowhere. If you're paying for the place, at the end of your loan term then it's yours - you can resell it (and get back all that you paid), or have it rented out (and get extra income).

Since I hate getting stuck in traffic, I bought a place that's less than an hour drive from any business district even during rush hour.

I would prefer a small house in a good location than a big house in a faraway land.

i grew up in a house with lots of floor..
anyone who grew up assigned to walis the floors in their childhood house, tend to gravitate to smaller dwellings.. mas madaling walisin..
heh heh.

and i am a pioneer in "staycation".. you know.. vacation abroad.. stay in hotel much of the time, beside a large window with good view.. phone hotline to the cafeteria a grab away.. good book in hand..

[vinj]

Ang masasabi ko lang priorities change lalo na kapag may anak na so don't say no sa mga possible options.

Exactly! Plan for the short and long term. My sister for example, maintains a decent townhouse in the middle of the city but they already purchased a lot outside of the metro in which they plan to build on and move to in ten years (when their kids graduate from college). In my case, i'm gravitating towards the same plan.

The south is developing well now of course (especially Sta. Rosa) but in my case, I'm really leaning towards building somewhere in the north later on. Would be good if they got that North Rail project running.

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i grew up in a house with lots of floor..
anyone who grew up assigned to walis the floors in their childhood house, tend to gravitate to smaller dwellings.. mas madaling walisin..
heh heh.

True that. My wife grew up in a small home while i grew up in a larger home. I get attracted to small to medium size dwellings while she dreams of a large home with gardens (eh galit na galit na ako sa pagwawalis ng dahon at pagupit ng damo).

[dr. d]

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my dad is an old farm boy.. hihiga siya sa sahig namin, using only a banig... parang sa bahay kubo.. mummy sees to it the floors are all clean.
i was assigned to keep the floors clean.. wax on.. wax off.. using a bunot! , then walis.
give the nobel prize to the guy who invented electric floor polishers!

kaya siguro i ended up doing middle distance running.. i had the legs, anyway...

[Altis6453]

Exactly! Plan for the short and long term. My sister for example, maintains a decent townhouse in the middle of the city but they already purchased a lot outside of the metro in which they plan to build on and move to in ten years (when their kids graduate from college). In my case, i'm gravitating towards the same plan.

The south is developing well now of course (especially Sta. Rosa) but in my case, I'm really leaning towards building somewhere in the north later on. Would be good if they got that North Rail project running.



True that. My wife grew up in a small home while i grew up in a larger home. I get attracted to small to medium size dwellings while she dreams of a large home with gardens (eh galit na galit na ako sa pagwawalis ng dahon at pagupit ng damo).

Good plan, Vinj. But just some quick info re: Northrail which I had a chance to be part of early in my career:

1. There's no cohesive plan by government to resolve the right-of-way issues needed by the project. In short, ayaw maglabas or walang mailabas na pera.

2. There have been several suppliers who've proposed to construct, operate and maintain the project on turnkey basis (para halos walang gastos ang gov), but most of them have given up due to the lack of momentum and ever-changing policy directions from DOTC and BCDA (then the lead agency)

3. Northrail has been in the pipeline of the government since 1998 (Ramos' Presidency) and it hasn't moved from drawings and studies since then so....draw your own conclusions. Back then, Northrail was envisioned to be a rapid rail system connecting NAIA to Clark International Airport.

[CVT]

Good plan, Vinj. But just some quick info re: Northrail which I had a chance to be part of early in my career:

1. There's no cohesive plan by government to resolve the right-of-way issues needed by the project. In short, ayaw maglabas or walang mailabas na pera.

2. There have been several suppliers who've proposed to construct, operate and maintain the project on turnkey basis (para halos walang gastos ang gov), but most of them have given up due to the lack of momentum and ever-changing policy directions from DOTC and BCDA (then the lead agency)

3. Northrail has been in the pipeline of the government since 1998 (Ramos' Presidency) and it hasn't moved from drawings and studies since then so....draw your own conclusions. Back then, Northrail was envisioned to be a rapid rail system connecting NAIA to Clark International Airport.

E,- mga lawyer-architect pala ang mga hepe ng mga ahensiya ng gobyerno....

Aba,- e puro drowing!....

Mabuti pa ang mga inspektor at technicians namin sa production line - gumagawa ng tamang evaluation at desisyon sa milyon-milyong dolyares na shipment ng kumpanya.....

Palitan na ang mga iyan ng mga Inspektor at Technicians!


"The measure of a man is what he does with power" LJIOHF!

27.5K _/_/_/_/_/:tomato:_/_/_/_/_/

[vinj]

Good plan, Vinj. But just some quick info re: Northrail which I had a chance to be part of early in my career:

1. There's no cohesive plan by government to resolve the right-of-way issues needed by the project. In short, ayaw maglabas or walang mailabas na pera.

2. There have been several suppliers who've proposed to construct, operate and maintain the project on turnkey basis (para halos walang gastos ang gov), but most of them have given up due to the lack of momentum and ever-changing policy directions from DOTC and BCDA (then the lead agency)

3. Northrail has been in the pipeline of the government since 1998 (Ramos' Presidency) and it hasn't moved from drawings and studies since then so....draw your own conclusions. Back then, Northrail was envisioned to be a rapid rail system connecting NAIA to Clark International Airport.

Sad that this project has not taken off. I noticed during the last years of the GMA admin they were clearing out the squatters from the line in quite a lot of areas based on my observations.

A high volume, and efficient railway system from the NCR to the north and south would make a good long-term solution to our congestion in the NCR. It is a given that Metro Manila will be difficult to decentralize but if people lived in the outlying provinces such as Bulacan, Pampanga, Cavite, Laguna and there was a railway that will take one straight to the CBDs just like it is in other civilizations, then you cut Manila traffic drastically especially with the big schools having campuses in areas such as Sta. Rosa, Cavite and Pampanga. Heck, if that was the case i'd already be building my own home in Pampanga and taking the train to work every day.

[CLAVEL3699]

nung unang nakatunhtong kami sa Ortigas pasig hindi ganun kagrabe ang traffic pero now sobrang traffic tapos tsambahan pa na mabuksan ang counterflow kung hindi Ortigas Ever to Ipi kailangan mo gumastos sa oras nang 30-45mins pero kung walang traffic nasa 5-10mins lang.

Ang maganda lang sa amin madaming pwedeng alternate route at madaming school kung ayaw mo lumayo.

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nung unang nakatunhtong kami sa Ortigas pasig hindi ganun kagrabe ang traffic pero now sobrang traffic tapos tsambahan pa na mabuksan ang counterflow kung hindi Ortigas Ever to Ipi kailangan mo gumastos sa oras nang 30-45mins pero kung walang traffic nasa 5-10mins lang.

Ang maganda lang sa amin madaming pwedeng alternate route at madaming school kung ayaw mo lumayo.

[CVT]

Sad that this project has not taken off. I noticed during the last years of the GMA admin they were clearing out the squatters from the line in quite a lot of areas based on my observations.

A high volume, and efficient railway system from the NCR to the north and south would make a good long-term solution to our congestion in the NCR. It is a given that Metro Manila will be difficult to decentralize but if people lived in the outlying provinces such as Bulacan, Pampanga, Cavite, Laguna and there was a railway that will take one straight to the CBDs just like it is in other civilizations, then you cut Manila traffic drastically especially with the big schools having campuses in areas such as Sta. Rosa, Cavite and Pampanga. Heck, if that was the case i'd already be building my own home in Pampanga and taking the train to work every day.

That should spell progress bro... And, EVERYONE knows that.

It is just that our government leaders,- Well,- they do not have the b*lls to implement such required infrastructure to "railroad" progress in the country....

Another case is the NAIA, as our main international gateway,- procrastination to the max!


"The measure of a man is what he does with power" LJIOHF!

27.5K _/_/_/_/_/:tomato:_/_/_/_/_/

[vinj]

nung unang nakatunhtong kami sa Ortigas pasig hindi ganun kagrabe ang traffic pero now sobrang traffic tapos tsambahan pa na mabuksan ang counterflow kung hindi Ortigas Ever to Ipi kailangan mo gumastos sa oras nang 30-45mins pero kung walang traffic nasa 5-10mins lang.

Ang maganda lang sa amin madaming pwedeng alternate route at madaming school kung ayaw mo lumayo.

Same with our family. When my ninunos first settled down in our area, it was sooooo rural. Now it's one of the areas na sinusumpa for traffic on a daily basis.

That should spell progress bro... And, EVERYONE knows that.

It is just that our government leaders,- Well,- they do not have the b*lls to implement such required infrastructure to "railroad" progress in the country....

Another case is the NAIA, as our main international gateway,- procrastination to the max!


"The measure of a man is what he does with power" LJIOHF!

27.5K _/_/_/_/_/:tomato:_/_/_/_/_/

The railway has been there for more than a hundred years, all it takes is clear directive and direction... and hopefully moderated corruption.

[Calistro]

The schools are the deciding points for now it seems. Without any future plans to decongest Manila, being nearer to schools on the North truly has benefits. Looking at Pisay/QSci for HS years.. not yet aware what these levels are called under the K12 program. My uncle has a lot near DLSU Dasma, but the land value has not appreciated over the years. Says a lot about the main branches of PH universities.

[unmarked]

You should also consider how the local govts are in the places you are looking at. I grew up from marikina, and we all know how flood prone it is altho bahay namen hindi binabaha, pero i am still considering it kasi kahit binaha sya it is still cleaner and greener than most of the metro even 24-48 hrs right after the flood.

Yung construction sa mandaluyong sa may munisipyo? I cant see that happening ng ganon katagal sa amin, or sa makati right?

Now i know nagpapalit every now and then after ng elections pero madalas kung ano ang sinundan na kalakaran e most likely yun ang maitutuloy. Just my 2 cents.

Ps im not bashing manda city.

[vinj]

You should also consider how the local govts are in the places you are looking at. I grew up from marikina, and we all know how flood prone it is altho bahay namen hindi binabaha, pero i am still considering it kasi kahit binaha sya it is still cleaner and greener than most of the metro even 24-48 hrs right after the flood.

Yung construction sa mandaluyong sa may munisipyo? I cant see that happening ng ganon katagal sa amin, or sa makati right?

Now i know nagpapalit every now and then after ng elections pero madalas kung ano ang sinundan na kalakaran e most likely yun ang maitutuloy. Just my 2 cents.

Ps im not bashing manda city.

Don't bash Manda City. Bash the trapo(s) running it... ;)

[unmarked]

^^exactly what i am saying sir. Local govts entirely different from the city itself/citizens

[Sweetlucious]

Same with our family. When my ninunos first settled down in our area, it was sooooo rural. Now it's one of the areas na sinusumpa for traffic on a daily basis.

Those who plan to settle on southern part of the metro will surely experienced that.

I'm from the south (AAv), boy, its so tiring to drive from Alabang to my gf's place in CG. And to think those villages in Sta. Rosa have yet to be fully developed and theres already traffic jam everyday during rush hour. As it is SRT rd. is just a 4 lane street with trikes. Hhmm sarap siguro tumira dyan when every household will 2-3 cars.😨

[CVT]

Looks like one of our kids is looking at NoMM for his next level of education....

This will be a change in our current daily arrangements...


"The measure of a man is what he does with power" LJIOHF!

27.6K _/_/_/_/_/:oops2:_/_/_/_/_/

[EQAddict]

I wanna settle down where my folks live hehehe.

To be honest north or south is good except for the damn traffic. I invested heavily in BgC , rockwell, nuvali, and westgrove areas and will continue to do so for the forseeable future. Though im thinking also of just saving up for a house in bel air or san lorenzo. Its just that the prices are damn crazy. Sayang if i only had the means a few years ago....... Now its just nuts.

Four years ago you could still get a house and lot in san lorenzo for around 40m. Now 75mis the minimum (hi cathy! Hehehe)

You could buy a house in forbes 4 years ago for around 100-150m. Good luck finding one less than 300m now.

A 3 br condo now from the premier brand of ayala or rockwell is minimum 40m. Though the nice cuts are really 50m+

Discovery primea along ayala avenue the minimum price of a unit is 80m.



Inflation is just crazy.