DIY Gifts for Ninongs and Ninangs

Few more days to go and it's Christmas! And Christmas is the spirit of giving. Most kids anticipate load of gifts from their godparents since this merry season is for them. When my son was 3, we started to give simple Christmas tokens as presents to his Ninongs and Ninangs. That was the time when he already knew how to write. The purpose of it is for him to know who are his godparents and have a special communication with them, that gifts need not to be too expensive and let him understand (little by little) the meaning of "giving"- expecting nothing in return. Yes, not expecting in return. You see, my son has Ninongs and Ninangs who are in tight budget, no work or money are just enough for their own families. We know these things, they're our friends. But their status is not a problem when we chose them as our son's second parents. You may check again my previous post about them. 

Investments Under In-Trust For (ITF) Account

On my previous post, I have written about opening a mutual fund in-trust for (ITF) accounts for kiddos as Christmas present. As I browse my FB account this morning, I came across a financial group who previously discussed about ITF accounts. 

Opening question: Paano po mangyayari if namatay si parent tapos ka-OR sa account ang anak, would the funds also be included in the estate? Madali lang ba to transfer the account to the child if nag legal age na? 

Books Are Man's Other Best Friend

Oh, thank you Lord for giving back our connection. Line wasn't disconnected due to late payment but limbo started due to series of brown-outs here in our area - this excuse said by PLDT. It took us almost 2 weeks of continuous follow-ups.  Now I understand that in some point (as most people think), Abraham Maslow had included the web/internet part of man's hierarchy of needs. 

However, I'd better thought of a good alternative this time rather than confined myself with negative thoughts. So while waiting,  I just invested my time reading old books. And I even read my son's children books. I just went back to the basic. Old-school reading still remains a delightful experience for me. 

Books are obviously man's best friend with no ability to bark but gives him the best company. ",)