taas na nang halaga nang edukasyon ngayon!!!

[knight23]

lossed two pre-need plans of mine CAP and Pacific, was never able to use them...

my parents were able to save money when I was in highschool, scholar ako sa science high. saved a couple of hundred thousands and kept me out of trouble.

[zman]

8yrs ago, i have recieved a number of offers on education plans. All of them, the non-inflation free type.
I think that it would be better, if one were to emulate an education plan by opening a time deposit, and like an educ plan, make monthly deposits for the same number of years, then let it sit there till it is needed.
My in-laws were lucky to have been able to aquire inflation free plans for their children and make full use of them. That's why they were insistent thet we consider subscribing for one. We presented our case, and after doing their own calculations, they agreed with our findings that it would be no better than depositing a fixed amount into a time deposite account for a number of years till it is called for. Of course, it would take a lot of discipline to do such a feat.

[niky]

Another problem of the pre-need plans was bad investments. They went on a spending spree with all that cash before the peso bottomed out, and were left with a lot of assets that were frankly, over-priced and quite useless.

Mahirap talaga ang education. The schools are feeling the pinch of the economy, too. They can't really lower tuition fees, because a huge chunk of tuition fee increases go to teacher's salaries, and those have to go up every year, too... thanks to this damn inflation.

And the governing bodies keep adding requirements that eat into our funds... take the Caregiver's Course. It's relatively simple and cheap. All you need to do is teach them communication skills, first aid and errh... caregiving. As soon as it became a popular course, instead of imposing quality controls and stricter standards to remove unscrupulous schools, the government mandated bigger facilities, more laboratories, more equipment, etcetera, etcetera, etcetera... hoping to push the entry-price for opening a Caregiver's program out of the reach of the get-rich quick types.

Of course, what they really did is just make the course more complicated and expensive. Oops.

I'm just waiting for them to come down on call-center agent training. Maybe they'll mandate the need for a call-center "simulator" (worth, oh, 30 million, but non-functional, because it's a simulator) in the near future.

[van_wilder]

ang mandate ng consti natin ay priority ang edukasyon sa budget and not military or anything else (pork barrel)....kaso hindi sinusunod ang consti...tapos gusto nila palitan kasi hindi raw "up to date"....pero kung susundin lang ito, we have all the laws na to run our country properly....kupal lang talaga ang namamalakad.

the government have the right to do so... after subsidizing the education, filipinos go abroad... bad return on investment...

fyi: there are thousands of scholarships and financial aid na hindi naclaim ng mga tao... why? hindi dahil it is marketed or well-informed yun mga tao, kung hindi dahil maraming tao tamad maghanap ng scholarships and financial aid/grants

our company ata is willing to sponsor a kid sa college (up/ust lang ata) basta dapat may maintain na avg and civil engineering ang course (should also work for the company to repay in the future)

and for me grade school is very critical sa kid, history memorization made a lot of difference once nasa executive team ka na... ma-apply mo yun concepts... one of the tenets of life is history repeats itself, not the act itself but the concept...

hmmm... how come here in our office ateneo / la salle grads are a bit rare?

more so in our division (IT).

very rare ang ateneans sa technical field... mis comtech cs and ece lang ata meron na IT, tapos ece and cs pa sobrang onti (combined 40-60 per batch)

ako rather than getting an atenean, id rather get someone sa ua&p... feeling ko masmura/cost-effective... although sa managerial position (middle management/executive) sa hindi bookish na atenean ako...

I always wondered why poor people keep on having children even if they cant afford it while people with higher education and income have less children.

i also asked this question when i was a kid... my mom told me because they dont have tv at home... or if they do have maybe sawa na sila... so to entertain themselves... ahem ahem...

pero when i grew up a little bit... ive wondered... wala bang *** life ang may pera? eh kung ganun lets all be poor! hehehe

pero yun concept ng married without kids di ko gets... why marry at all? why not just sleep around? hehehe

[oldblue]

<double post>

[Flagg]

ang observation ko sa mga parents dito (ewan ko sa PI) is they put their kids in private schools from pre-school to highschool, pero when it's time to go to college, the kids end up in community colleges. this never made sense to me. i would have saved up the money for a quality college education instead. can someone please enlighten me with the reasons why they do this?

Hmm, magkano ba private grade-middle school dyan sir FXT? AFAIK, in the 90s, 1 sem in Wharton was $30,000.

[Flagg]

sobra ngayon, kami nga natapos na namin ang education plan ng mga anak namin sa mga "MANDURUGAS NA CAP" na yan, yung pinanghulog namin, galing sa dugot pawis namin, ayun nawalang parang bula. nakakalungkot isipin, halos iniasa mo sa kanila ang kinabukasan na mga anak mo. tapos ganoon lang, 1 1/2 years na ng umpisa naming iwdraw sa CAP, hanggang sa ngayon ala pa rin. di ko alam kung kaya ko pang pag aralin ang mga anak ko pagdating ng kolehiyo." ni wala man lang ginawa ang gobyerno sa nangyaring ito" nakakalungkot.

Napunta sa MRT pera mo sir...

[Flagg]

...The poor think children have an obligation to them coz they gave them life. Utang na loob...

If i was the kid i would answer "you didnt give me a f*#king choice! I didnt ask to be born! If u didnt bring me into this world, i wouldnt be eating scrap from garbage!"

Before having children, educated people think of everything... from hospital expenses, diapers and baby formula, to 15 or so years of education...

And educated people think of children as individuals. Individuals with personal goals and dreams. Educated parents give their children all the opportunities they can so their children will realize their full potential. Then the parents retire.

You got that right sir uls. Although, of course, there are those poor who do not blatantly obligate their children... the expectation is still there. How many employees have I had ask me for an advance to send to their still-working parents to fix their leaking roof... when I ask them shouldn't you be saving for your own? Tahimik lang sila...

[Flagg]

the government have the right to do so... after subsidizing the education, filipinos go abroad... bad return on investment...

Hindi naman sir, diba 2nd largest export natin e OFW? Big dollar earner pa.

Shows how walang hiya gobyerno ng Pilipinas...

[wren]

Hmm, magkano ba private grade-middle school dyan sir FXT? AFAIK, in the 90s, 1 sem in Wharton was $30,000.

your average catholic grade-middle school will charge $5K a year, high school $10K a year, substantially more for the prestigious private schools. meanwhile, UC Berkeley charges undergraduates $4K per semester (residents), $12K for non-residents.

[GlennSter]

your average catholic grade-middle school will charge $5K a year, high school $10K a year, substantially more for the prestigious private schools. meanwhile, UC Berkeley charges undergraduates $4K per semester (residents), $12K for non-residents.

ganyan kamahal jan!?!?

dito sister ko sa catholic school libre ang grade school and i think high school!!

[wren]

ganyan kamahal jan!?!?

dito sister ko sa catholic school libre ang grade school and i think high school!!

iba siguro ang system dyan sa canada, baka binabayaran ng gobyerno. diba pati health care jan, libre?

[GlennSter]

yes ser..libre kahit ilang beses ka magpa ultrasound..mri etc kung kailangan.

[cardo]

teka lang clavel...sinasabi mo lagi na maralitang manggagawa ka...hindi naman ah!hehehe

dami mo tsikot ah..herhehr

haha! nice glenn...

haayyy you know, there's no use trying to pin down the blame on your situation in life or in something like the gov't or someone. sometimes, its no use trying to catch the ceo of the failed edu plan... spending all the money on legal fees, where you could have just spent it on other investments. its no use complaining you are poor, or on the poor management done by the govt on our education system... I think we all know what we mean when we say "we/you act like a child" because when a child spills his/her milk she just sits there an cries, waiting for someone to clean it up and give her a new bottle. as adults we'd know what to do. we'd know how to prevent that spillage. we'd have initiative.

We all know the risks of education in country so why not do something about it ahead of time?

Its like a pedestrian taking his time walking across EDSA with alot of car volume. Even though he is on the pedestrian lane with a "walk sign" on, he takes his time like he is on the catwalk. He knows the risk of having an accident might be high but he knows if an accident happens he can put the blame on the driver since he is on the pedestrian lane and the law backs him up(cars give way to pedestrians). but why wait for a drunk driver beating a red light? why wait for the accident to happen when you can mitigate them ahead of time? walk fast, stop and look on both lanes, be alert. do something! if he got hit, he might get his legs amputated or he might die. what will happen to his family? the driver might not have insurance to cover the medical cost of the victim. the law can put him in jail but he might not be in there for long. so the impact is great, but it could have been mitigated.

same thing on education. we all know the risks, so try to put plans in place. set-up a business/investment as additional income, do a research on edu plans/schools or something, get a second job, get promoted para kakayanin yun matrikula, mag apply ng ibang trabaho, migrate to another country with better educational oppotunities, maging ofw, do something!!! its your child were talking about here pero, syempre depende pa rin sa priorities at personal values ng tao and the risks he is willing to take...

ganito na lang... habang bata, itrain mo na lang magbasketball para pag laki nya may scholarship sya bilang isang player ng college sa NCAA. tapos draft sya sa NBA. tapos may kontrata na. ayan milyonaryo na hehehe. but thats the easy way out hehehe it would be a long shot.

[cardo]

pero yun concept ng married without kids di ko gets... why marry at all? why not just sleep around? hehehe

priorities at personal values yan I know someone who married but do not want kids. He is malaysian. Expat, in another country. Very well paid, kaya magka-anak. Sabi nya ayaw nya magkaroon ng anak, kase sa culture daw nila, masyadong inaalagaan ng magulang ang mga anak kahit matanda na. nagbibigay ng pera, pinagluluto pa rin etc. you can interpret it it alot of ways... ayaw nya yun responsibility, natrauma sya sa culture nila, etc. kakahiya itanong eh, tsismo ba naman? hahaha

[skyglider]

haha! nice glenn...

haayyy you know, there's no use trying to pin down the blame on your situation in life or in something like the gov't or someone. sometimes, its no use trying to catch the ceo of the failed edu plan... spending all the money on legal fees, where you could have just spent it on other investments. its no use complaining you are poor, or on the poor management done by the govt on our education system... I think we all know what we mean when we say "we/you act like a child" because when a child spills his/her milk she just sits there an cries, waiting for someone to clean it up and give her a new bottle. as adults we'd know what to do. we'd know how to prevent that spillage. we'd have initiative.

We all know the risks of education in country so why not do something about it ahead of time?

Its like a pedestrian taking his time walking across EDSA with alot of car volume. Even though he is on the pedestrian lane with a "walk sign" on, he takes his time like he is on the catwalk. He knows the risk of having an accident might be high but he knows if an accident happens he can put the blame on the driver since he is on the pedestrian lane and the law backs him up(cars give way to pedestrians). but why wait for a drunk driver beating a red light? why wait for the accident to happen when you can mitigate them ahead of time? walk fast, stop and look on both lanes, be alert. do something! if he got hit, he might get his legs amputated or he might die. what will happen to his family? the driver might not have insurance to cover the medical cost of the victim. the law can put him in jail but he might not be in there for long. so the impact is great, but it could have been mitigated.

same thing on education. we all know the risks, so try to put plans in place. set-up a business/investment as additional income, do a research on edu plans/schools or something, get a second job, get promoted para kakayanin yun matrikula, mag apply ng ibang trabaho, migrate to another country with better educational oppotunities, maging ofw, do something!!! its your child were talking about here pero, syempre depende pa rin sa priorities at personal values ng tao and the risks he is willing to take...

ganito na lang... habang bata, itrain mo na lang magbasketball para pag laki nya may scholarship sya bilang isang player ng college sa NCAA. tapos draft sya sa NBA. tapos may kontrata na. ayan milyonaryo na hehehe. but thats the easy way out hehehe it would be a long shot.

AGREE!!!

Pero sana mahiya naman ang mga corrupt na taga-gobyerno at mga taga-educational plan na yan. Di nila madadala sa langit ang pera nila. Worse, kung di sila mapunta sa langit. Dun sila sa ibaba.

[wakin]

peeps, can you share to us how much are you paying for your kids education?

I pay 22,000 pesos annually (including uniform and books) sa ADT Montesori (Pasig City)

[uls]

meron pala playschool program ang DOH sa mga barangay health center. the teachers are practicumers. guess what... P5.00 a day lang ang fee. hehe

[niky]

*cardo: Those athletic scholarships do count for a lot. My cousin started a business course at DLSU on the strength of his soccer scholarship, then dropped it in the higher years to concentrate on his studies.

As long as you don't let the sport own you, you can use it as a good tool to further your education.

*van wilder: You'd be surprised (regarding scholarships). Everytime our cute president hands out government scholarships, they're filled right away. Of course, kawawa kaming mga schools when the time comes for the government to pay, and the money isn't there... ginamit pala sa chacha!

It's not that people don't want the scholarships, or are "lazy"... The problem is the mismatch of scholarships and their stipulations with the clientele. If the scholarship is for UST or UP, what happens if the student can get there on their own merit? Those students are usually rich enough to go anyway, and if they're very good academically, they may have multiple scholarships already. (And if they're poor, they can get STFAP from UP)

Most scholarships are for the very best students, who, paradoxically, can get their own scholarships on academic merit. Pero paano yung mga average lang?

If your office has a nice scholarship, contact the schools you're willing to put the students in... they'll be able to fill it much sooner than your office can.

[cardo]

Yeah, I mean sports scholarships are great! I meant getting as far as the NBA would be along shot hehehe Ang mahirap lang kase with sports scholarships is that, its a single point of failure. If the student gets injured and he is unable to play anymore or if someone better comes along the way and replaces him on the team, then its out for him. or if you fail in one subject, wala na yun scholarship. kelangan pa rin ng financial resources or somesort of support. kawawa naman kung hindi na makapag aral yun bata. so there has to be somesort of backup. you need to scan the risks and develop plans for those. pero usually scholarships are for those who more or less have a unique skill. which is why parents should plan out the education of their child as early as possible. we know the risks of the educational system in our country, atleast we can plan ahead of time to minimize these risk from happening or atleast lessen the impact of these risks should they happen. important thing, we know what to if anything happens.