PERA or the Personal Equity and Retirement Account is an investment specifically designed to build your retirement fund. It’s been available since early 2018. I actually already invested in PERA through BPI when they offered it because it was more convenient for me to open the account with them. But apart from BPI, the one […]
Tags: Banco De Oro, BDO, General Information, how to invest in pera, Investing, open pera account, PERA requirements, what is pera
In 2017, an estimated 15 million visitors spent more than 2.7 million hours online in search of a home, according to the real estate firm, Lamudi. This is not surprising, given that there are over 67 million internet users in the Philippines alone. However, a slice of technology in the industry has yet to fully […]
Tags: real estate
There’s no such thing as an “easy job”. Each job presents its own distinct set of challenges that people must learn to deal with. There are some traditional workplace hazards that present a completely different kind of challenge. Luckily, there are multiple insurance plans and options that have been specifically designed for such situations. Contractors […]
Tags: best contractor insurance, builders risk insurance for contractors, construction insurance, contractor insurance pa, contractors insurance near me, contractors insurance nj, general contractor insurance requirements, independent contractors insurance, insurance for contractors
Mobile and internet banking is fast and convenient. You can pay your bills, invest online, and of course – transfer funds electronically to other people. However, there’s a limitation that you can only send and receive money from accounts of the same bank. If you have a BDO account, then you cannot electronically send money […]
Tags: General Information, how to transfer money online, In Focus, Instapay, transfer to another bank account, what is instapay
I am a member of IMG and one of our flagship products is the Kaiser Ultimate Health Builder. This is a long-term healthcare product, which includes health and investment benefits for the plan holder. A lot of people have been asking me if Kaiser is a good product to have. Personally, I think that it […]
Tags: General Information, IMG, International Marketing Group, Kaiser, what is kaiser
Republic Act (RA) 10963 was signed into law last December 2017. This is more commonly known as TRAIN or the Tax Reform for Acceleration and Inclusion. Under the TRAIN Law, changes were introduced to the National Internal Revenue Code of 1997 (Tax Code). This had amendments on personal-income taxation, donor’s tax, value-added tax, and many […]
Tags: estate tax, estate tax amnesty philippines, estate tax philippines 2018, estate tax philippines penalty, estate tax philippines requirements, estate tax table philippines, estate taxes, Philippines, TRAIN law
Anyone who is familiar with banking, finance or trading is familiar with the term loan. Loans are a convenient method of buying or investing in something that you need, want or intend to get immediately, with convenient payment options like EMI. In recent years, different types of loans have emerged with different packages and benefits. […]
Tags: General Information, loans
Investing in things that aren’t mainstream could yield some surprising benefits. There’s the joy of learning something new. Or even a chance of becoming a recognized authority, if you happen to become exceptionally good at it. And of course, the pleasure of earning a highly rewarding ROI. When it comes to specializing in lesser-known investment […]
Tags: art and collectibles, bitcoin, blockchain technology, cryptocurrency, gold, Investing
A friend got his Facebook account hacked. Although he was able to recover it after a few days, he’s worried that it might happen again. When I asked him how his account got compromised in the first place, he suspects that he might have been a victim of a fake website. Or in other words, […]
Tags: how does phishing work, how to prevent phishing, phishing examples, phishing facebook password, phishing website, types of phishing
In unexpected ways, we can suddenly find ourselves in the middle of a disaster that will require us to evacuate our homes. It can be a fire, storm or hurricane. There could be an earthquake or worse, insurgencies. When this happens, it helps to have a “grab-and-go” bag where all your vital documents are stored. […]
Tags: disaster preparedness, emergency, grab-and-go bag, grab-and-go kit, how to pack a grab-and-go, what's inside a grab-and-go
Paying taxes is mandatory. It’s what all law-abiding citizens do. Employees don’t really have to think about it as it’s done automatically by their company for them. But it’s a different story for freelancers and business owners. Today, we focus on how freelancers can register and pay taxes to the BIR. Particularly, what are the […]
Tags: BIR, bir registration for sole proprietorship, bir registration requirements for professionals, bir sole proprietorship taxes, freelance tax calculator philippines, freelancers, occupational tax receipt, self employed tax rate philippines
When a bank closes, your money is not permanently lost. You can get all (or some) of it back, thanks to the Philippine Deposit Insurance Corporation or PDIC. Below are some basic information that are important for you to know and understand regarding PDIC. What is the Philippine Deposit Insurance Corporation (PDIC)? The Philippine Deposit […]
Tags: ano ang pdic deposit insurance, ano ang philippine deposit insurance corporation, pdic bank members list, pdic insurance coverage, pdic law insurable deposits, philippine deposit insurance corporation act, philippine deposit insurance corporation functions, role of pdic in banking industry
The Philippine Stock Exchange will now be offering dollar-denominated securities for both traders and investors in the stock market. Here are the answers to the most frequently asked questions about this new type of financial instrument, as provided to me by the PSE press. What are Dollar-Denominated Securities? Dollar-Denominated Securities (DDS) are securities listed, traded, […]
Tags: DDS, dollar denominated securities, dollar investments, investing in dollars, Philippine Stock Exchange
When are you required to get a Tax Identification Number (TIN) from the Philippine Bureau of Internal Revenue or BIR? How do you get or secure one? There are several reasons why you would need to apply for a TIN. The most common is you need it for employment, specifically for your first job. The […]
Tags: apply TIN online, BIR, BIR forms, Bureau, Tax Identification Number, tax number, taxes, TIN
Hi, my name is Fitz Villafuerte and I’m a Registered Financial Planner living in the Philippines. In 2007, I started this blog to help people learn how to achieve financial freedom. Read my story here.
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