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Transfer of Berkley/Family First to Danvil Then to Legacy.
Most of the comments I’ve read on the Internet about Family First and Danvil condemn the high-pressure and sometimes traumatic marketing methodology of Family First/Danvil. And I understand. Because I was once pressured. And like them, I also spent nights thinking how I could be so gullible and so weak.
But later on, I had to decide: whether to lose what was first swiped off from my credit card or to continue paying to prepare for the future, as the agents said. The key factor then for me was the American firm Berkley, which launched the pre-need plans and which partnered with Family First to market its plans. I continued paying and fully paid my plan in 2005, eased by the thought that Berkley is an established American company and I’d get the results of my hard work in 2010, the year my daughter would be in second year college.
But then, the announced transfer of the plan portfolio from Danvil to Legacy put doubts in my mind. Read more
BPI Classic and BDO Shop More Mastercard Are the Best Credit Cards for Employees. (Part 2)
WARNING for employees! Apply for a credit card only if you haven’t changed your old but nice Nokia phone, if you only have a few pairs of good shoes and just enough good clothes, and if your usual routine is home-to-work-then-back-to-home. These mean you have complete control of your spending.
BDO Shop More has also many features that most other cards don’t have:
- BDO charges 3.25 %, lower than the usual 3.5% rate charged by other Mastercard or Visa providers in the country.
- The total annual membership fee is P900, which is much lower than the P1,600 charged by others of the same card class. What is even nicer is that BDO doesn’t charge you the whole P900 in advance. It just adds P75 to your due every month. The others bill you P1,600 at the beginning of your annual period, with you paying interest for it from month to month if you don’t pay it in full at once. Read more
