Hey guys welcome to this series this is episode 2
where in I'm going to tell you how much does a flight attendant earn in the Philippines
So if you want to know how much just keep on watching
Just a disclaimer for this is just for informational purposes only and I do not I
Do not guarantee that all the information that is here. It is all
based on heresay
Or the info that I get as well as as well myself from other people so it's not really from the company
Okay, so on this video. We're going to talk about companies and
Range of salary of course it is based on the previous
video that I've made so make sure that you watch the episode 1 because that will explain
Why things are like this alright, so let's start with Philippine Airlines?
International okay, um this is actually based on
some people that I talk to
People that I know that work for them
But please do not quote me on this things may change and things never change anyway so for Philippine Airlines
International they earn about
Fifty to sixty thousand pesos a month that
involves everything basic salary flying hours layover salary and all the other bonuses that they have
Philippine Airlines Express or PAL Express
It really depends on the flying time because I used to work for them
But I was assigned in Cebu and the flying time is kind of different if you're assigned in Manila there are more flying time
so it will range about twenty to thirty thousand or
even forty thousand pesos a month and if you fly for
Cebu Pacific air some of my friends have flown there and they told me everything from bonuses
Commission
basic salary and allowances
It will average around
Thirty to fifty thousand a month I said they do sales, and they have like really good you know Commission as well
So that's what they told me when it comes to AirAsia Philippines
I know it will range about, I am told that it is a big basic salary
and then
That gives you a lot of perks though you also get bigger
tax but you can like you know get that loan for that car it's really a good salary
because you get good amount of salary
It will average about
minimum thirty to sixty
Thousand a month and also depending on your seniority because the people that I know that work there was very senior I think that's why
the salary is kinda big for them and AirAsia when you are based on malaysia
the salary is also different. It will range about minimum thirty to sixty thousand pesos a month
so that's the
Airlines that I know of here in the Philippines. I don't know about the other ones like the jet star and
like the other airlines that are small because I don't know people who are working there, but if you do comment down below
To help others with the information again don't quote me on this because this is all just the things that I've learned
Through my
through my
friends
Okay, so this is not from the company itself, and I didn't take any liabilities
from this information
Thank you for remembering to always like my videos and subscribe to my channel if you haven't been already been
Subscribed and I will see you guys on the next video. fly with you soon bye!
Today we are going to talk about the salary of
international flight attendants
Who are mostly based on the Middle East?
For more infomation >> Episode 2: How much is a Flight Attendant Salary in the Philippines | MISSKAYKRIZZ (Philippines) - Duration: 4:08.-------------------------------------------
How much can I get pre-approved for a mortgage - Duration: 6:45.
Welcome to Homebuyer's School
brought to you by Brookfield Residential.
Hi everyone and welcome to another edition of Homebuyer's School. Today I'm joined by
Mujtaba Syed, a Mobile Mortgage Specialist with TD Canada Trust. And today the
question we're gonna answer is -and one that's very, very I guess, a very popular
question is, "How much can I actually get pre-approved for a mortgage?" So Mo, how
much, if I go right now to talk to you or a mortgage specialist, what's the maximum
I can get pre-approved?
That's a really good question Karl, so technically what
we look at is we'd look at a bunch of different factors when we're looking at
the amount that you can get pre-approved for. The most important thing we do
look at your credit score, now a credit worthiness is an important part of the
approval process, so there are certain criterias and guidelines we like
your credit to be at to see maximum - minimum approval amounts. I'll try to
explain a little bit more.
So if your Beacon score is technically
above 680 where we want to be at,
we want your TDS, which kind of
stands for Total Debt Ratio. So a total
debt ratio is what we take, is we take
your income, we take your monthly
obligations, plus the new monthly
obligations of your home you're looking
at buying, which is going to be your
mortgage payment, property taxes,
utilities. We want it to be around 44% of
your income, and the reason why the banks
want to be able to do that is we want
the extra - 56% to be available
just in case you might need it. We don't want you to be house poor for
sure. So if you're Beacon score is above 680 we can go to a maximum 44% of
your TDS. But unfortunately if it's lower
than 680, we want to be at 42% of TDS
and these are just bank account and guidelines that we take a look at.
We also look at something called GDS which is your Gross Debt Ratio which is just
technically the housing cost we talked about. So the housing cost once
again is just your mortgage payments, your property taxes, and your utilities
that technically could be part of the home. We want that to be once again if
your Beacon scores around 680, we want
that to be around 39% which is the maximum.
Now, you know if your Beacon scores less than 680, we unfortunately
can't go more past 35% once again, just
bank account of rules to kind of see
exactly how much you get pre-approved for.
When you're talking about, so let's step back a bit here.
What is a Beacon score? Just for those who don't understand.
Absolutely, so a Beacon score is a credit score and it's
a whole bunch of different things that combine into making like a "risk
rating" for the bank. So what we do we can look through a whole bunch of different
situations. We could look at how long
you've opened your credit bureau,
what kind of debts you have on your
credit bureau, how you make your payments,
if you switch your job frequently we
want to be able to show stability. So if
you switch jobs often or you
move addresses often, that could actually
result in a lower score, or we want to show
stability, we want to show comfort so
technically a score where I like to explain to my clients is just a
statistic. So once when we say someone has a beacon score of 680 it just means
to the bank that 1 out of 680 people were most likely default on a loan
compared to someone who might have a beacon score of 700, so 1 out of 700 is
less riskier to the bank compared to 1 out of 680 or even 1 out of 600.
So that's how the bank's look at it. It is a little bit more complicated, a
little complex, but it's just a brief idea of who you are as a person
technically, how you come across to the bank.
Does a previous mortgage affect your Beacon score as well?
Absolutely yeah. A previous mortgage
could definitely affect and depending on your repayment, how you
made the payments, the amount, it could definitely impact in a positive way
or it could impact in a negative way.
Does a- would it would you recommend
then having let's say you know, let's say you're in the process of selling a home
and looking to buy another home, either another home or transitioning out of
that, in your opinion would it be better to make sure you sell your home first or it
doesn't really matter?
Yeah, to me I don't think it really
matters because when we actually look at the pre-approval process we
can factor all that into the application. We can look at what makes the most
sense for you. If it makes the most sense to you because you feel like
selling based on your financial obligations, we can look into that. We can
also look in getting your pre-approved or approved for a mortgage by currently
holding that property as well. A lot of people think they want to sell but then
decide that they might want to turn into an investment property or rental
property, there are many, many different ways we can work on to the
application, there is no just one way to kind of do that.
One question I always wanted to know is "should I max out in terms of how much I
can get pre-approved for?"
Yeah, so once again it just depends on where
your comfort level is. If you think that that's your dream home and you're very
comfortable with it and you see yourself moving in there and living in there for
a very long time you might consider buying that house, it might be a little
bit close for maximum living, but you might know that your income potential is
just gonna keep on getting more and more, and that's something that definitely you
could speak to your specialist about. I always tell my clients as long as you're
comfortable with the payments make sure you do the monthly budget, those monthly
obligations, and see exactly where that fits in based on your lifestyle. If that
makes sense for you based on your lifestyle, it's a comfortable payment,
you don't feel you're stretched or you don't feel that it's a little
bit too much for you, that's the ideal place to be in my opinion.
Great, do you have anything else to add?
No I think that's technically it. Once again we
just want to reiterate that, just really sit down with your specialist, talk about
your obligations, talk about your financial situation, talk about where you
see yourself in the future, all that could have a really big impact on your
decisions today. We want to be able to look into the future and see does this
make sense in the future as well, not just today.
Perfect, well thank you very much Mo, thank you very much everyone for joining
us and we'll catch you next time.
That's another edition of Homebuyer's School.
Tune in next time for more expert
tips and tricks, and visit homebuyersschool.ca
to bring you one step closer to finding
your dream home.
As with everything, it would be great if you
like and share our videos, also please
let us know if you have any home buying
questions you want us to answer.
-------------------------------------------
How To Choose Your Next Career Move - Duration: 3:04.
So, another question that I received is from Kwee Kang and he asked me about the
choices that I made with a different career moves. And I suggested to him that
probably the one most important criteria when you think about your next career
move is whether that role and that organization gives you the most learning
opportunities. So, I find that much more than the industry that you choose to
work in, much more than the company or its brand, more than the job title or
even the salary, but it's really the leader and the team that you work with
and do they have a learning culture. So my advise is perhaps at the later
stage of that interview process, not in the first interview, where you might
already be talking about salary and scope, is to ask that hiring manager the
person whom you'll be working with what's their track record of hiring and
developing people. Ask for specific names, people that they've hired, how have they
grown, what feedback and coaching that they've received and where are they today.
And it's very easy to tell between people who are genuinely delighted to
share and throwing all kinds of names because then you can ask can I follow up
and talk to them to validate it. I also use this as one of my most important
interview questions when I'm hiring for leadership positions because I feel that
leaders who are gonna run teams and the way they lead will shape culture much
more than anything else in the organization so I ask these candidates,
give me examples of people who you've hired and worked under you that you're
most proud of today. And I've seen it's very telling, I've interviewed CEOs who
struggle to give specific names and you can easily tell whether someone's trying
to fake it because you probe multiple times in terms of how specifically that
they hire, how do they coach and grow and where are they today. And I've also
interviewed people who are delighted with this question and we're just
brimming with so many names whether it's Sarah or Ali or Michael or John, people
whom they have the given the opportunities, they've coached
and specifically they're proud of where they are today especially they have gone
on to even higher roles than the the manager. So, I admire organizations who
really give that space and take chances with young people, give them roles
challenge them to take on new responsibilities and so that would be my
advice on how do you make your next career move.
-------------------------------------------
What's Mortgage Insurance? How much does it Cost? - Duration: 0:54.
For more infomation >> What's Mortgage Insurance? How much does it Cost? - Duration: 0:54. -------------------------------------------
How Much Should Your Pet Weigh and How Much to Feed Your Dog or Cat (The Our Pets Health Calculator) - Duration: 11:09.
hi thanks for signing up to my newsletter and joining the our pets
health community I started this site to improve the health and happiness of the
global dog and cat population but I can only do this by having people you
engaged and getting involved so thank you for doing just that
now if you haven't signed up to my newsletter yet and you're watching this
then head over to www.ourpetshealth.com/newsletter and sign up now to get
your free copy of my weight and diet calculator
okay so let's jump into this calculator now it's designed as a tool to give you
some idea as to what your pets ideal weight should be and how much you should
be feeding them based on their weight and body condition score is the weight
given or amount to be fed absolute well of course not because it relies on two
things being accurate which may not be the case now the first is the assumption
that your pet has an average metabolism an average exercise level and the second
is that their body condition score is accurate with this body condition scores
vary for a pet when scored by different individuals so it may be that
the score you give your pet is a little off I've said it before and I'll say it
again that your vet is the best place to get weight loss and dietary advice
specific to your pet ok to start with let's look at what your pets ideal
weight is so for this we need two things we need their body weight and we need
their body condition score now the calculator is designed to work in
kilograms but if you only know your pets weight in pounds then simply put it in
the yellow weight in pounds box here so say for example your pet was 44 pounds so 44
enter and that lets us know that the weight in kilograms is 20
so we can then transfer that weight into their current weight box so if you know
your pet is 20 kilos we go to the current weight click on that 20
kilograms next we need their current body condition score out of 9 now if you
don't already know this or know how to work it out then have a look at my body
condition score video linked here and in the description below as a reminder a
score of 4 or 5 is healthy and is a healthy condition score a score of 6 to
7 is overweight and a score of 8 or more is obese
a score of under 4 is underweight in this example we'll say our dog has a
condition score of 7 so click on the body condition score the yellow box
there and 7 fantastic so once you put your pets body condition score into the
yellow box that ideal weight in kilograms will be displayed so in this
case in the green box we can see that our 20 kilogram pet with a body
condition score of 7 should actually be 16 kilograms now to convert this into
pounds simply put the ideal weight so 16 into the weight in kilograms box over on
the right so 16 kilograms and that lets us know that our pets ideal weight is 35
point 2 2 pounds now one word about this ideal weight it's calculated here to
assume that the ideal weight is that the body conditions for a 5 so this means
that the weight given is actually at the very top end of at a healthy weight
bracket and being a little bit below this is absolutely fine if your pet is a
condition score of 4 brilliant just ignore the fact that the ideal weight
says that your pet should be a little heavier and the reason for that is that
the ideal weight is within a range so a range of 4 to 5 on the body condition
score so in this example our pet should actually be 16 kilograms to be a healthy
weight okay so hopefully that will make sense and you're happy finding out your
pets ideal weight for those of you with obese pets now you might be surprised
at how much weight they need to lose don't worry though it's not impossible
and it's definitely worth the effort even if they never quite make it down to
their ideal weight any weight loss will be a benefit give it to go and commit to
changes today now for those of you with overweight pets let's move on to find
out how much you should be feeding your pet
get them to lose weight now to work this out we need a couple of pieces of
information how many calories are in your pets food and how many calories are
in their treats now if you're feeding a commercial food and treats then the
calories should be written on the packet they might be written as kcal or as
calories with a capital C in some cases they will be the number of calories per
hundred grams in other cases it will be per kilogram in which case you'll need to
divide this by 10 if it gives a figure in some other measurements such as per
cup then you'll need to find out how much a cup weighs and do some maths to
work out the calorie content per hundred grams now if you can't find this
information on the packet then a quick quick search on Google should allow you
to find it on the manufacturers website alternatively it should give you a
contact number for more information and you can just give them a call and ask
them how energy dense the number of calories per 100 gram is in the food that
you're feeding they should be more than happy to help and they should have that
number at their fingertips it's really basic information that they will need to
know to to formulate the feeding recommendations that they give if you're
giving other things as treats with there being some great low fat treat foods
that can be used as treats then the calorie content of a lot of foods can be
found on calorieking.com so in this example I want to give my pet
some sausage so in the food search just sausage if I go to pork sausage fresh
cooked that's what I would give and then serving size so 100 turn that tick Ram's
and in this instance I can see that my pork sausage is 339 calories per hundred
grams ok so I can put that in this yellow box here 339 and I know from
their food packet let's say that their diet has 300 calories per hundred grams
so 300 calories per hundred grams in the diet energy content hit enter so once
you put these in these two values in so the treat of choice energy density and
the diet energy content into the yellow boxes then the magic should happen in
the boxes below so moving down in the red here
we have the amounts that we need to feed a dog that needs to lose weight now the
first figure is the average starting amount to feed
so that's 134 grams and that's the amount to feed on one day so you could
split that over several feeds ideally if your pet does not lose weight in the
first few weeks and the next figure is the amount that the food should be
dropped to so in this case 121 grams if though at any stage your dog loses more
than 2% of their body weight per week or your cat loses more than 1% body weight
in a week then their food amount should be increased to the third amount so
that's 148 grams so all of these values are starting figures and obviously
they're based on your pet's metabolic rate their activity levels and as such
and that's why there's not just one answer for each individual pet so if
you've seen my previous articles or videos then you'll know that losing
weight faster than this amount so 2% in dogs from 1% per week in cats can be
really very dangerous and even fatal especially in obese cats so it's really
important to pay close attention to this if you're feeding this amount though the
chances of any problems are absolutely tiny so don't worry too much it's just
something to be really aware of if your pet and especially if your cat refuses
to eat ok so the next column is in pink give you an idea of how much you can
give your pet as a treat each day and this is based on the fact that 10% of an
individual's calorie intake can be made up of treats so you'll see that there
are several ready-made options for you to give I'm using low calorie ideas so
we've got raw carrots green beans air popcorn plain rice crackers but if you
don't want to give any treats then we've also got their regular diet and this can
just be added into their intake at mealtime so in this case if we didn't
want to give any treats we would just add 15 grams to the amount that we were
feeding each day so that would bring us up to 149 grams that we were feeding
each day so again for our overweight pets in this example we should start off
by feeding 134 grams of their diet as well as 13 grams of sausage as their
treat every day if after a couple of weeks they've not lost any weight
then I'd reduce the amount that I'm feeding them at meal times to 121 grams
if they're losing weight too quickly at any point then I'll increase it up to
148 grams per day it's very unlikely that you'll get to that stage but it's
something to bear in mind okay so let's assume that our pet was in
fact a healthy weight in the first instance just stick to what you're
feeding them this obviously working so just keep at it
you're clearly giving them the right amount for their needs if though for
whatever reason you plan on changing their diet if we scroll down the values
in green will give you something to get started with now you'll see there are
two columns and this is because entire animals need to eat more than neutered
animals follow the columns across just as before and adjust accordingly
depending on if your pet gains or loses weight so in this case in the top line
if our pet's a healthy weight in this neutered we would start off by feeding 278
grams of this food along with 27 grams of our sausage or of course we could
give 24 grams of popcorn 23 grams of rice crackers or if we didn't want to
give them any treats just add 31 grams of their regular diet okay so moving on
to the orange sections if your pet is underweight and healthy increase their
intake by 25 to 50 percent and reweigh in one week if there's no weight gain or
alternatively if your pet is unwell for any other reason they might be drinking
more they might be just really not eating very much they might have
diarrhea if they're unwell for any other reason then you must take them to see
your vet now this calculator is not for use in underweight pets next up is a
fact that I've already mentioned if your pet is obese with a body condition score
of 8 or 9 then it is strongly advise that your pet undertake a weight loss program
only under the direction and close supervision of your veterinary team or
your veterinarian the extra support and monitoring will help to increase the
chance of success and this can't be overstated it's a long haul process just
getting that extra help that motivation is really important it just maximize our
chance of succeeding also the individual advice and the close monitoring by your
vet clinic will reduce any risk of too rapid a weight loss from taking place ok
and finally the tools provided for educational
and interest purposes it's a guideline it doesn't necessarily represent the
amount needed to be fed to specific individuals for the reasons we've
already stated amounts may need to be adjusted up or down depending on an
individual cat or dog circumstances lifestyle and their concurrent
conditions so especially if they're old and there's something else going on
there are other things that we might like to consider this calculator should
really only be considered for use after viewing our pets health obesity series
and body condition scoring videos so you understand exactly what we are dealing
with I want to support you in helping your pet to achieve and maintain their
healthy weight we just want to do it and as healthy and safe and manner as
possible please let me know if you're having any difficulties or if anything
I've described as still unclear and I'll do my very best to clarify things for
you so until next time i'm Dr. Alex from Our Pets Health because they're family
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