20 April 2017

Window Shopping: Pest Control (Again)

One of the door jambs was eaten by termites. When we first hired Mapecon to do pest control, we thought we could just have the place treated once a year. But when they returned the following year, Mapecon informed us that one of the wooden door jambs was already hollow. We then signed up for quarterly maintenance as we didn't want any further damage to our house.

We're not sure who is to blame - was it us for not having done the regular maintenance schedule sooner or Mapecon for not getting it right the first time? To be fair, they did not guarantee complete eradication of termites which is why they were pushing for the quarterly maintenance schedule. Though some people I know only had pest control done once and that was it.

Either way, we've decided to try a different supplier. The following pest control companies require a two year contract and their rate for one year is similar to that of Mapecon, but they will only treat for termites. Mapecon did termites AND common household pests (e.g. ants, cockroaches, etc.) for roughly the same yearly fee.

Entom Pest Control
Rate: Php 22,100

Pest Away Corporation
Rate: Php 28,000

Timberpro, Inc.
Rate: Php 19,650

15 April 2017

Refinancing

Our three year rate term ended last March so now, our interest rate has increased from 7% to 7.5%. We asked if we could retain the old rate, but that request was denied. We could opt to go for a lower rate of 6.5% (yearly), but we would need to pay a Php 5000 repricing fee and even then, it's not guaranteed.

After asking around, someone informed us that Banco de Oro (BDO) was having a promotion, so I went over to inquire and they gave the following rates:

4.88% - 1 year term
5.50% - 3 year term
5.88% - 5 year term

I've often read that one way to save money is to refinance your mortgage, but we never really considered it before. Now I'm thinking that we should have done this ages ago! Well, here's hoping our loan application gets approved.

10 April 2017

Fence, Gate & Carport: Reach Out & Build Inc.


AQM, a company that started out by making furniture, is the trusted contractor of my friend Grace. While Reach Out & Build (RO&B) was referred to us by Erick Yambao, a landscape architect who was featured in Real Living. Both contractors also do custom made furniture.

The difference between the quotations they submitted was just Php 1180.42 so we could have gone either way. What clinched it for us was aside from RO&B's furniture rates being lower, they were the only ones who offered to inspect our house to give us a more affordable option.

Now we have a new contractor and a different carport design. Initially, we wanted the garage to look like the rest of the house, until Erick commented that it would be too dark. He suggested that we build a pergola instead so it would also seem like an extension of the garden which I thought was a wonderful idea.

Note: The total price for the design above is Php 389,850, but we're having the roof extended a bit for an additional Php 5000.


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