Kini ang akong suliran

[fdaray]

Kining new toipc akong gisugdan aron ang  TB members mopadayag sa ilang suliran.
Bisan kinsa mga TB members  mohatag sa iyang tambag, idea ug hunahuna. TB is
tied for friendship. Ang managhigalaay, magpahibaloay, magsinumbongay sa ilang
problema.

I will open this topic with my problem. Its not too serious but worthy  for information.

Dear TB,

I turned 60 this month. Ang akong plano, moretire ko karong June 2009 sa opening
of classes. Unsa may maayong option ang akong kuhaaon , 5 year lumpsum o 18
months lumpsum  pension dayon

5 years Lumpsum: imong makuha ang 60 months average monthly pension.Mas dako
ang imong madawat ug makahimo ka ug project, capital ba kaha sa negosyo o maka-
palit ka ug real properties nga mohatag nimo ug income samtang magpaabot ka sa
imong monthly pension unya pa sa ika 6th year kon buhay  pa ka.

18 month lumpsun: imong madawat ang average monthly pension nga 18 months ug
sugod sa permirong bulan sa imong pagretire modawat ka dayon sa imong monthly
pension. Gamay ra ang imong madawat kuhaan sa imong utang sa loan sa GSIS.

Sa mga panghitabo nga nagkuha ug five years lumpsum, after one year, nahurot na
ang iyang lumpsum. Gihulam sa mga anak nga walay bayad-bayad, ginegosyo unya
napordoy. Kon 18 months lumpsum, gamay ra ko ug madawat, pero pareha gihapon
ug magtrabaho  kay binulan man ang akong pension.

Unsa maayong option? Sa akong nasilip nga hungihong, ang akong mga anak nag-
plano nga muholam sa akong lumpsum. Dili ra ba kabalibaran kay anak man. Aduna
pa koy usa ka anak nga mag high school pa.

Mopadayon pa ba ko sa akong trabaho  hangtod sa 2013 ? I'm tired of teaching and
dealing  with children. I  felt lazy at this time.






Always,
fdaray

[hofelina]

Hallo Fdaray,
Take the second option, since you still have a child in high school you are oblige to put him through college, this is your obligation as a parent whereas the 5 yrs lumpsum promises a huge amount but nowadays, ang kwarta morag kilat.
The economic situation is uncertain. But knowing some good properties in Davao City you can make a research in real properties.
Manay Tess

Dili ra ba kabalibaran kay anak man. Aduna
pa koy usa ka anak nga mag high school pa.

This is wrong that you can not say no to them.  You were able to raise them, of course you can say no, it is your hard earned money. You want to make sure that you have financial security in your old age.  Time and life is short. Enjoy it.

[fdaray]

TY, Manay Tess

[pioneer]

Sir Felix, just make sure that if you opt for the lumpsum the money won't be used up in extravagant spending. Put half of it in the bank as time deposit. You can use the other half for small-time business.

[fdaray]

Mike , Ty

[Bambi]

Sir fdaray,

Our oldest sister retired two years ago and took that 5 years lumpsum and now I feel she needs to work again for the sake of their daily needs having children who are still in College. You must have to decide  what is the best....a big amount at once needs a strong personal control and you will be feeling like a one day millionaire and you can't avoid to share those who badly in needs (your kids). I think the best way is... bisan ug hinay basta kanunay, di ba? Good luck Sir and stay healthy!

[fdaray]

Ty, Bambi. Based on you sugestions, the second option is the best.

[lindy]

Mr. Fdaray, base sa imong giladlad nga pros and cons morag and ikaduhang option ang akong ikasugyot. Good luck and Happy Birthday to you.

[fdaray]

TY, Lindy. I am expecting TB members to share some of your problems.
I can give also my ideas, opinions and suggestions.

[Lorenzo]

Sir Felix,

The monthly stipend would be a wise choice as to secure a monthly income, especialidad for a rainy day. I wish you a Happy Birthday and Good Health.

Regards, Sir!