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PhilHealth Contribution Calculator


As mentioned in my previous article New PhilHealth Contribution Table Effective 2020, I've created a calculator that  will aid in calculating the monthly PhilHealth contributions.

New PhilHealth Contribution Table Effective 2020


Recently, the government launched the Universal Health Care Law of 2019, which help finance the National Health Insurance Fund, making all Filipinos able to avail the outpatient packages (the provisions are currently being finalized) and immediate eligibility to benefits during confinement/hospitalization.

The 13th Month Pay Law of the Philippines


We are now in the last leg of 2019, which is the month of December. December, is the most festive month for us Filipinos because the month is crammed with several occasions like; Christmas, Rizal Day, New Year, and Company year-end parties.

The Complete Beginner's Guide to Government Bonds


If we remove all the confusing branches of the government, we will soon realize, that in its heart, the government is simply a business entity.

iBlog: The 15th Philippine Blogging Summit - The Finale!


Every journey has its end, but it doesn't mean that we also need to stop moving forward. We bloggers must not stop. We must evolve.

Planning to own a pet? Read: The Added Expenses of Having a Pet.


Scientific studies have shown that having a pet reduces stress levels and undeniably, can make the person (pet owner) happy. If we just look around, there are many pet owners that supports this idea.

Life Insurance 101 - Insurance vs Assurance - Part 3 of 3


Like the I.T. field, the Investment field is also using technical terms. Either, they wanted to sound cool or pique the customer's interests, it all depends on the context of the message if it is appropriate to use jargon or not.

The Types of Stock Dividends Given by Companies


If you have been practicing a dividend investing strategy in the stock market, you’ve probably already knew that a dividend is not always in cash form.

Life Insurance 101: Types of Life Insurance Policies - Part 2 of 3


There are many types of life insurance policies, each are catered depending on the needs of the client. We will only focus on the four (4) popular types.

Life Insurance 101 - Part 1 of 3


Insurance, as defined by Merriam-Webster: Is a coverage whereby one party undertakes to guarantee another against loss by a specified hazard/peril. In other words, this is a form of contract that will support us financially just in case an unfortunate event happens, which is in truth, a very inevitable occurrence.

Investing In Mutual Funds for Beginners


As you journey towards Financial freedom, you will soon realize that your regular bank savings account will not be enough. Sooner or later you will look for other investment vehicles to grow your money. The stock market is one option but it requires knowledge and skills to play the game properly.

The List of Blue Chip Companies in the Philippines


There are 324 companies currently listed in the Philippine Stock Exchange as of 2019. These companies are categorized to Big Caps, Mid Caps, Small Caps, and Penny Stocks.

Pay off Debt or Build an Emergency Fund


We tend to compile a bunch of to-do/bucket list in order for us not to forget the things that we need to accomplish. However, as the list grows, it becomes difficult to sort out the items of which we need to give high priority. This dilemma is not uncommon especially when planning our finances.

How to Start Building an Emergency Fund



Emergencies are a part of life. There’s no way that you can avoid them or predict one. All you can really do is to prepare yourself and your wallet for the "What Ifs" of life.

6 Reasons Why Some OFWs Still End up Broke/Poor After Their Stint Abroad


To many of us Filipinos, working overseas is one of the best tickets to earn a much higher salary. A skilled labor job abroad is much higher in terms of pay compared here in the Philippines.

The Consequence of Deviating from Your Trading/Investing Plan


If you’ve been following the stock market news then you already know that on August 19, 2019 Kepwealth Property Phils. Inc (KPPI) had been listed in the PSE and started trading.

How to Compute the Break-Even Point


Handling stock losses is very hard to do, watching a stock falls from green to red is a nightmare for both stock investor and trader.

Warning: You're Losing Money by Not Knowing the Break Even Point Formula


If you've been in the Stock Market game for quite sometime, you've probably encountered stocks that goes south and you're stuck to a losing position. When this happens, you only have two options… to cut your losses or wait for the market to rally and bail out when price reaches the break-even point.

The Confidence Trick: Give Me 10 Minutes, I'll Give You The Truth About Financial Scam


This is a quick rundown of tricks to help you discern if an investment scheme is a scam or not. For a more detailed article, read: The Financial Scam's Anatomy.

The Financial Scam's Anatomy


In our effort to earn more to provide for our loved ones and ourselves, we sometimes lose our logical reasoning and begin to think and decide using our emotions. This is one of the many reasons why we fall into Financial Scams.

The Cebu Pacific Stock Incident: Let's Take to the Sky?


An incident on July 9, 2019 shocked PSE when Cebu Pacific's (CEB) stock price was traded at a lower price during the market run-off session. The stock's price plummeted from Php92 to Php58.

BDO Nomura Average Down Calculator

Just in case that you want to Average Down your position but is using a different platform.

BDO Nomura Buy and Sell Calculator


I've created this Calculator to cater the traders/investors who are using the BDO Nomura Stock Trading Platform.

Dividend Investing Secrets Revealed



The main mode of profit in the Stock Market is buying a stock at a low price and selling when the price rises. However, there is another way to profit in the Stock Market and that is through Dividends.

COL Financial: Risk Management - Value At Risk Stock Shares Position Size Calculator

The main reason why there are a lot of players in the Stock Market that losses money is entering a trade without properly managing the risk. Newbies are the most victim of this kind of situation, especially, if they are taken by the “Hype”.

Customs Duty Fee Calculator Philippines


If you've been buying stuff online, there will be a time that you need to pay the customs duty fee of an item personally. Knowing how it works is a huge advantage to help you prepare the estimated amount and not be surprised at the customs counter.

The 13 Best Items to have for Disaster Preparedness


Disasters can happen anytime, it usually strikes when you're least expecting it and when your guard is down. Take for example the Earthquake that happened on April 22, 2019 at around 5:00PM. It was a 6.1 magnitude quake ESE of Gutad, Philippines as its epicenter.

The Php10,481.00 Estimated Average Poverty Threshold in the Philippines, Truth or Fiction?


April 2019, the Philippine Statistics Authority (PSA) had released the Poverty Threshold numbers for the first semester that is amounting to Php10,481 for a family of five (5). Depending on where you are in the country, this amount may or may not meet your family's living expenses. Let us breakdown the numbers and see if this is plausible to apply.

Master the Art of Risk Management in the Stock Market


We often hear that a huge number of people lose money in the Stock Market. This is certainly true, not because of the wrong decisions you've made during a trade, but the lack of plan to mitigate the loosing situation. This plan is called Risk Management. As defined by investopedia: In the financial world, risk management is the process of identification, analysis and acceptance or mitigation of uncertainty in investment decisions.

Risk Reward Ratio–How Much Risk Are You Willing to Take for a Reward?



When you invest your money to whatever investment vehicle you opt in to, you are entering a deal that has both risk and reward situation. Playing the Stock Market game without a proper risk-reward ratio set up is the same as gambling where you are set up to loose no matter what.


How To File Your Income Tax Return If You Have Two or More Employers within a Year



April 15 is the critical date for all Filipinos because it is the set deadline for the Income Tax Return (ITR) filing. If you are employed, then this process is handled by your company.

SSS Employee Monthly Contribution Calculator Philippines


Effective April 2019 the employee SSS contribution will increase. The lowest contribution amount will be Php80 and the ceiling contribution is Php800.

The Social Security System (SSS) Old vs New Contribution Table



Effective April 2019, the monthly SSS contribution will be increased. One of the reasons for this increase is to extend the fund life until the year 2045.

COL Financial Buy and Sell Calculator



To play the Stock Market game, you need to study the proper entry and exit when deciding to buy and sell a position. Remember always the mantra "Buy Low Sell High" is equal to Profit. Knowing when to buy is a pretty straightforward process. However, it is difficult to


How Much is the Current Taxi Fare here in the Philippines?


In October 2017, the Land Transportation Franchising and Regulatory Board (LTFRB) released a mandate increasing the Taxi fare. Though it was released over a year ago, the implementation took awhile because LTFRB is doing the Taximeter recalibration when a Taxi is due for Franchise renewal.

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