If you are a Voluntary Member or Individually Paying Member of Philhealth earning 25,000 pesos a month or less, pay in advance your Philhealth contribution for two years before July 2012 so you can save up to 2,400 pesos.

Starting July 2012, Philhealth will increase its monthly premium for voluntary members from 100 pesos a month to 200 pesos a month. That would be 2,400 pesos a year.  This is for voluntary members with a monthly income of 25k pesos or less.

But it has given an option for voluntary members to pay in advance their Philhealth contributions for two years at the old rate — 100 pesos a month.

So kung meron ka nang 2,400 pesos, magbayad ka na in advance, para yong susunod na 24 months mo ay bayad na. Imbes na 4,800 pesos yong 2 years, magiging 2,400 pesos lang. Naka-save ka ng 2,400 pesos, a 50-percent discount.

Puede ring 1,200 pesos lang muna ang bayaran mo, pero pipirma ka ng Individual Policy Contract. Pay the first 1,200 pesos before July 2012, and then pay the balance of 1,200quarterly, semi-annually or annually.

Para sa mga OFWs, mas mahaba ang kanilang palugit, kasi, palagay ko, mas nag-ingay ang mga OFW groups. Their increase will start in January 2013. At mas malaki ang rate of increase nila, kasi dati, 900 pesos a year lang sila. But starting January 2013, they will also pay 2,400 a year. But OFWs can also pay in advance to save 2,400 pesos.

Source of this post on Philhealth contribution increase: Philhealth Circular No. 020, 2012, signed April 20,2012

Freelancing is a great way to earn income on-the-side.

So you can continue with the work you’re doing now, but you can still earn a little extra money from freelancing online to help pay the bills.

Of course pwede ka rin naman kumuha ng second job so why would you pick freelancing online over another job?

Kasi with a second job, yung oras mo di mo hawak.

So kung may day job ka na, chances are yung second job mo sa gabi. And this might work for a while but you can’t do it for ever. Mapapagod ka, mawawalan ka nang oras para sa pamilya mo at mas lalaki pa yung chance na magkasakit ka because of overwork.

Gastos nanaman yun.

With Freelancing online, you get to work whenever you want. Pero just to clarify, you can only work anytime you want kasi freelancers are contractors. Meaning they work on a project per project basis.

So take me for example, I used to be a freelance writer. Pag may project, ibibigay lang sa akin yung details and sasabihan lang ako kung kelan due. Di ko kelangan mag report all the time or kausapin yung client everyday.

Minsan they send me an email to check how things are going, pero other than that nag uusap lang kami before and after the project.

Of course hindi lahat ng projects ganito because meron din naman clients na makulit. Pero my point is that you can choose what to work on and who to work for. So kung masyadong strict ang isang client, then just don’t work for him anymore after the project. Hanap ka ng bagong employer agad.

Pero baka isipin nyo bigla na sobrang dali ng freelancing.

It’s not easy especially when you’re starting. It’s just like any job. You need to work hard and build up a reputation. BUT, once you establish yourself as a hard worker, it becomes easier and easier to find jobs and get hired by clients online.

Pag dating mo sa point na to, mafefeel mo na talaga na ok yung freelancing kasi by this time you can freely change your rates. So ako I started with low rates pero eventually tumaas din sya. And pag matagal ka na, aabot ka sa point na yung old clients mo yung pupunta sayo to offer you work. Hindi mo na kelangna maghanap ng trabaho masyado.

Kasi people who hire freelancers normally have a lot of jobs lined up and if you become one of their trustworthy contractors, they’ll contact you every time they need something done.

So remember, it pays to be hardworking even when the job is easy.

Now that you know you can work as a freelancer online and earn some extra money. The next question is, How do I start?

Yung pinaka mahirap na part ng freelancing is getting started. Bakit?

One, because people don’t know where to look for online jobs.

Ang daming nag sasabi na pwede ka mag trabaho online, pero they never tell you exactly where you’ll find the jobs.

Kung bago ka palang, my suggestion is that you try Odesk.com. Dun ako nag simula and di na ako naghanap ng iba kasi madali kong naintindihan yung system nila.

Plus madaming pinoy sa Odesk so pag kelangan mo ng tulong, pwede ka mag post sa forums nila or pwede ka actually maghanap ng bloggers na nag Odesk like me and ask them directly for help. Medyo matagal tagal na din ako nag susulat online and karamihan or actually halos lahat ata ng nabasa kong pinoy bloggers na freelance writers din ay nag tratrabaho sa Odesk din.

Another place that you can try is http://manila.craigslist.com.ph/. Meron silang “Jobs” category and pili ka lang ng section na feeling mo kaya mong gawin. For example ako dati I would go to “writing/editing” para mag hanap ng writing jobs.

Naka arrange yung jobs by date sa craigslist so it’s better if you apply for the newest jobs para mas malaki yung chance na di pa nakakahanap ng contractor yung client kasi kakapost nya lang nung job.

Warning lang about craigslist. Since wala talagang na implement na system for payment ang craigslist, email-email lang kayo ng client mo. So mas kelangan mo mag ingat dito.

Madami pang ibang sites where you can find online jobs, pero these two should be ok for beginners. Mamaya na yung iba pag medyo may experience ka na. Madali mo lang naman sila mahahanap actually kung i-google mo sila.

Again, WARNING lang. Madaming scammers online so kelangan maging maingat pag nagaaply. Make sure na talagang babayaran ka ng client.

Two ways to do this:

1. Hingi ka ng upfront payment. Pero normally di pumapayag ang clients nito unless matagal ka nang nag tratrabaho sa kanila.
2. Sabihin mo you’ll do 10% of the project tapos titigil ka until mag partial payment yung client. Mas malaki yung chance na pumayag ang client dito kasi may nagawa ka nang trabaho and basically babayaran lang naman nya yung equivalent amount ng nagawa mo na.

So mag ingat, but don’t let fear of being scammed stop you from earning money online.

Two, they don’t know what type of job is available for them.

Yung second problem ng mga tao is that di sila sigurado kung anong trabaho yung pwede nilang gawin online.

Yung automatic kasi na inisip ng mga tao when it comes to online work is programming. And hindi naman lahat ng trabaho online puro programming lang. If you go to Odesk, may job categories sila that you can look at. And ang daming jobs ditto na iba-iba.

While I worked there, yung pinaka common na trabaho ng mga pinoy na napapansin ko ay:

• Virtual Assistant/Secretary
• Freelance Writer
• Programmer
• Transcriber
• Graphic designer
• And SEO specialist

Madami pang ibang trabaho like accountancy work or legal work pero depende nalang sayo yun if you have the expertise para dito.

Three, bago silang freelancers so mas malaki yung chance ng mga beterano na makuha for a job.

For me, ito yung biggest problem ng new freelancers. Sa mga freelance sites kasi tulad ng Odesk.com, meron silang feedback system.

Ok sya kasi pag mataas na yung feedback mo, tumataas yung chances mo of getting a job. Pero pagbago ka, “0” ang feedback mo. So malaki yung chance na di ka kukunin unless talagang sobrang ganda lang ng mga samples mo or ng pag market mo sa skills mo.

Pero there are ways to get hired even if you’re new. So don’t give up just because you’re having a hard time.

One thing you can do is lower your rate. Pag sabihin mo sa employer kasi na bababaan mo yung rate mo for a job, mas malaki yung chance na pagbibigyan ka nya. So trabaho ka muna for a lower rate and then pag makacollect ka na ng mga 3 or 4 good feedbacks. Pwede mo na slowly itaas yung rate mo.

Another trick is to do a job for free. Pero piliin mo yung mga jobs na kaya mong gawin in a couple of hours to one day lang max. Kasi minsan sa freelance writing for example, my clients na kelangan lang ng 2 articles. Pag bago ka, pwede ka mag apply dito tas sabihin mo sa client gagawin mo yung articles for free and in exchange, hingi ka ng perfect feedback.

This method is really effective for collecting feedback. Syempre, sino ayaw ng libre? And kung sinseswerte ka and kung maganda yung trabaho mo, minsan babayaran ka pa din ng client mo tapos bibigyan ka pa ng regular work. It happened to me before. Pero kelangan talagang maganda yung trabaho mo.

And finally, minsan new freelancers over commit and end up not being able to finish the job.

I admit na guilty ako nito minsan. Pag ok na yung reputation mo and yung feedback scores mo mataas, lumalaki yung chance mo of getting hired for jobs. And normally this is a good thing.

Pero pag bago ka, may tendancy kang mag overcommit. Meaning magaaply ka sa 3, 4 or even 5 projects tapos wala ka naman talaga oras para tapusing sila lahat. Ang naiisip mo lang kung magkano kikitain mo.

This is very dangerous because pag sumablay ka sa isa sa mga trabaho na tinanggap mo, mag kakaroon ka ng bad feedback. Yung bad feedback na yon mababasa yun ng future employers mo so kelangan mo mag ingat.

So there.

You now know that you can work online, you can earn money online, it’s not impossible and you don’t need special skills to do it. Kelangan mo lang maging maiingat because there are a lot of scammers.

And my advice is that you take it slow.

Mag simula ka sa isa or dalawang projects a week. Minsan nga matatapos mo yung dalawang projects in one day and matetempt ka maghanap ng madami kasi feeling mo ang dali lang pala. Wag.

Wag kang magmadali kasi baka mapa-overcommit ka.

Kelangan alam mo kung ano kaya mo and kung ano yung hindi. It’s still like normal everyday work, you just do it online. Convenient lang sya kasi hawak mo schedule mo and you can work at home. Pero it still has the same demands as an offline job. So treat your work and your boss online, the way you would treat them offline.

If you get enough experience, who knows, baka magawa mong mag-shift to full time freelancing in the future. But again, sa simula just treat it as a convenient part time job.

There is actually a lot more to talk about with regards to this topic, but its best that you just jump in and give it a try. Pag may experience ka na, I’m sure dadami din questions mo.

Pero at least yung mga tanong mo mas targeted to issues about freelancing that really matter. Kasi you’re doing it already.

If you’ve never freelanced, you tend to ask too many questions that aren’t really important. Pero dahil naprapraning ka lang and you want to know as much info as possible, tanong ka lang ng tanong. And that’s ok sometimes, pero yung nangyayari kasi is you’re just procrastinating.

If you’re already asking so many questions about freelancing then that means that you’re clearly interested. So why not just give it a try and ask your questions later. Diba? Pag bago ka sa trabaho di ka naman magiging expert sa kakatanong lang. Kelangan gawin mo sya and madami kang matututunan on the job na di talaga kayang i-explain unless ginagaw mo na sya.

Anyway, my point is to just give it try. It won’t cost you money to try, just some of your time and effort.

Oh, and pahabol lang. Make sure you apply for a PayPal account. Kasi almost everyone online gets paid through paypal. Although Odesk has a direct deposit option as well. So if you work for Odesk, pwede nila ideposit agad to your local bank account yung earnings mo.

That’s it for this article.

Thanks and feel free to comment and ask questions if you have any.

Happy job hunting

Malds Menzon is a Freelance Writer who likes to do a lot of Internet Marketing experiments. He writes about his experience as a freelancer and as a newbie Internet Marketer on his blog Earn Money Online Philippines.  His dream is to someday earn enough from Passive Income to live comfortably.

The most common questions that arise when we choose universities or colleges are:

• Gusto ko itong school na ito. Magkano kaya ang tuition doon?
• Gusto ko itong course na ito. Saang school kaya meron ito? Magkano kaya tuition doon?

So, it is a kind gesture for schools to publish their tuition fees on their websites. There is much goodwill when schools do this.

Ano kaya kasi ang rason ng certain schools kung bakit ayaw nilang i-publish ang tuition fees nila? At bakit kaya some schools ay tinanggal nila yong tuition fee info from their websites? Nahihiya ba sila na mahal ang tuition fees nila at hindi commensurate sa reputation nila?

Come on, school administrators, HELP PARENTS AND STUDENTS, PUBLISH YOUR TUITION FEES! Be proud of your products! Display their prices!

And put the TUITION FEE INFO where it can easily be seen or accessed on your websites. Yong ibang schools, published nga ang tuition fees, pero nakikita lang ng mga sanay na sa Internet searching.

APPLAUSE TO THE FOLLOWING SCHOOLS THAT PUBLISH THEIR TUITION FEES.

1. De La Salle University (DLSU)

– Has the most detailed information on its school fees for different years of entry and program levels, including instructions on payments

2. Far Eastern University (FEU)

- Info for all courses, and for some, from 1st year up to 5th year

3. University of Santo Tomas (UST)

- Info for all courses, and for some, from 1st year up to 5th year

4. University of the Philippines (UP)

- Info on its Socialized Tuition and Financial Assistance Program (STFAP)

5. Colegio de San Juan de Letran

- Info on tuition and school fees, also offers download of fees and payment instructions

6. St. Scholastica’s College Manila

- Info on tuition and school fees, also offers download of guide on fees and payments

7. Polytechnic University of the Philippines

- Info on tuition and school fees

8. Adamson University

- Info for all courses, for 1st year

9. Technological University of the Philippines (TUP)

- Info on tuition and school fees

10. Philippine Normal University (PNU)

- Info on tuition and school fees

11. Ateneo de Manila University Quezon City

- Info on average school fees per year

12. Philippine Christian University (PCU)

- Info on down payments

*NOTE: We have not researched schools in the provinces yet.  Research is still on-going, so we may have missed other schools.

Tuition Fees for FEU, UST, UP, Etc.

Tuition Fees for Adamson

Tuition Fees for UP — Socialized Tuition and Financial Assistance Program (STFAP)

State Universities, Colleges in Metro Manila, Philippines, Nearby Areas

Private Universities in Metro Manila, Philippines, Nearby Areas

Tuition Fees at Some Law Schools in the Philippines

Most In-Demand Courses in the Philippines 2012 – 2015

We did the ranking of thrift banks or savings banks, based on the banks’ balance sheets as of September 2011, published by the Bangko Sentral ng Pilipinas (BSP).

We can see from the ranking that the top 3 savings banks based on assets as of September 2011 are subsidiaries of the top commercial/universal banks in the Philippines.  BPI Family is a subsidiary of Bank of the Philippine Islands, PS Bank is a subsidiary of Metrobank, and RCBC Savings is a subsidiary of Rizal Commercial Banking Corp (RCBC). Several others in the list are also subsidiaries of commercial/universal banks.

Ito na ang mga 19 survivors!  Here are the 19 pre-need firms in the Philippines licensed by the Insurance Commission to operate for the year 2012, as of March 2012.

Sana, itong mga 19 companies na ito which survived global and domestic financial troubles ay tuluy-tuloy na malampasan nila ang problema nila sa prevailing low-interest rates for investments so that next licensing year, wala nang malalagas pa, at 19 pa rin sila.

At sana kung meron mang mag-decide na magsara ay maaayos na maitransfer niya ang mga plans sa isang more stable and stronger pre-need company or insurance company.

At sana wala nang papasok sa business na ito, kung hindi rin lang sila deep-pocketed or backed by too-big-to-fail companies para hindi na dumami pa ang mga SUFFERING planholders.

1. Abundance Providers & Entrepreneurs Corp. (APEC)
- Life Plans

2. AMA Plans Inc.
- Pension Plans

3. Ayala Plans Inc.
- Education/Pension Plans

4. Caritas Financial Plans Inc.
- Pension Plans

5. CocoPlans Inc.
- Education/Life/Pension Plans

6. Destiny Financial Plans Inc.
- Pension Plans

7. Eternal Plans Inc.
- Education/Life/Pension Plans

8. First Union Plans Inc.
- Pension Plans

9. Himlayang Pilipino Plans Inc.
- Education/Life Plans

10. Loyola Plans Consolidated Inc.
- Education/Life/Pension Plans

11. Manulife Financial Plans Inc.
- Education/Pension Plans

12. Mercantile Care Plans Inc.
- Education/Pension Plans

13. Paz Memorial Services Inc.
- Life Plans

14. Phil. Plans First Inc.
- Education/Pension Plans

15. Provident Plans International Corp.
- Life/Pension Plans

16. St. Peter Life Plan Inc.
- Life Plans

17. Sunlife Financial Plans Inc.
- Education/Pension Plans

18. Transnational Plans Inc.
- Education/Pension Plans

19. Trusteeship Plans Inc.
- Education/Life/Pension Plans

Compared sa list of pre-need companies as of 2009, apat ang nawala:

1. CityPlans Inc.

2. First Country Plans

3. Danvil Plans (formerly Berkley International Plans)

4. Grayline Plans

UPDATE as of MAY 2012:

In May 2012, the Insurance Commission has added CITY PLANS INC. to the list of licensed pre-need companies. So, there are now 20 pre-need companies licensed to operate in 2012.

Pre-need companies in the Philippines as of Sep 2011

Pre-need firms in the Philippines as of Jan 2011

The biggest life insurance company — Philam Life or Philippine American Life and General Insurance Company — accounts for 27.4% of the total assets of the Philippine life insurance industry. Together, the three top life insurance companies — Philam Life, Sunlife and Insular Life — accounts for 60.63% of the life insurance sector’s total assets as of December 2010.

Notes: Name changes as of 2011:

Great Pacific Life became Sun Life Grepa Financial Inc. in November 2011
Ayala Life-BPI Philam is now called BPI-Philam Life Assurance Corp.

List of 34 Life Insurance Companies Licensed for the year 2011-2012
Ranking of Life Insurance Companies by Premium Income as of Dec 2011

We perhaps should based the ranking on income, taxes, real estate properties, and other assets. But we don’t have complete data yet, so we thought of this ranking below.

This ranking is based only on amount of bank deposits in all banks in each city as of JUNE 2011, as compiled and published online by the PDIC. They include demand, savings, time and FCDU deposits. Data is submitted to the PDIC by banks.

RICHEST CITIES in METRO MANILA

Based on Amount of Bank Deposits as of June 2011 (in Billion Pesos)

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Related Article:
Richest Cities in Metro Manila Based on Number of Bank Deposit Accounts as of June 2011

This chart is for the following SSS members:

• VOLUNTARY
• SELF-EMPLOYED
• OFW
• NON-WORKING SPOUSE

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To pay your SSS contribution, use the RS-5 CONTRIBUTIONS PAYMENT RETURN. You can get this form from any SSS branch, and you can pay at SSS cashier counters, accredited banks, and other payment outlets, such as Bayad Center.

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What is SALARY CREDIT?

Ito ang isa sa basis ng SSS sa pag-compute ng pension o lump sum cash benefit kapag time na for retirement or pag meron nang claim.

Late last year, when someone in our extended family passed away, I became familiar with some of the death benefits available for beneficiaries in the Philippines. In my extended family’s case, some of these benefits were claimed successfully while the others were denied for various reasons.

Here are some death benefits in the Philippines:

SSS – SOCIAL SECURITY SYSTEM (For employees of private companies)

- Funeral benefit of 20,000 pesos regardless of number of monthly contributions, given to the person who spent for the funeral
- Monthly pension or lump-sum cash benefit for the legal spouse and legitimate, illegitimate or legally adopted children younger than 21 years old (up to 5 children), and older children with permanent disabilities

Pension is for the primary beneficiaries of deceased members who have contributed at least 36 monthly contributions before the semester of death.
Lump-sum is for primary beneficiaries of members who contributed less than 36 monthly contributions before the semester of death.

If there are no primary beneficiaries (no spouse and no children), the dependent parents receive the lump-sum cash benefit).

Pension amount or lump-sum amount depends on the number of credited years of membership and average monthly salary credit.

- For members who died in a workplace accident or due to an occupational illness, additional Employee Compensation benefits are given to beneficiaries.

Note:  File your claim at the SSS branch nearest where you live.

PAG-IBIG or HOME DEVELOPMENT MUTUAL FUND (HDMF)

- The death benefit amount is a percentage of the Total Provident Benefits.  The Provident total is the sum of the member’s monthly contributions, employers’ contributions for the member and dividends. Yong death benefit sabay na ibinibigay sa Total Provident Benefit. Isang claim form lang siya.

Note:  File your claim at the branch where the member’s records are kept.

OWWA (For OFWs)

- Burial benefit of 20,000 pesos
- Insurance benefit of 100,000 pesos if death is due to natural cause or 200,000 pesos if death is due to accident

OWWA
Insurance & Health Care Benefits Division
7th Street cor. FB Harrison St. Pasay City
Monday to Friday, 8 am to 5 pm
(or go to your OWWA Regional Welfare Office)

Note: If you’re an OFW, make sure your membership is always current. My relative paid his OWWA membership for the almost 30 years he worked abroad, but because he worked for two straight years during his last contract, he was not able to pay his OWWA membership, so his family’s claims were denied by OWWA.

You pay your OWWA when you pay your OEC or Overseas Exit Clearance or Balik-Manggagawa (BM) papers at the POEA or at any accredited OEC payment center or service. The OWWA membership fee is 25 US dollars, payable in pesos.

PRIVATE INSURANCE

-  This refers to life insurance policies purchased from private insurance companies such as Philam, Insular Life, and BPI-Philam Life (formerly Ayala Life), Sun Life, Manulife, PNB Life and others.

PRIVATE INSURANCE linked to BANK ACCOUNTS

-  There are life and accident insurance policies offered by banks as added benefits to certain special bank accounts and time deposits.

- An example is the BPI Get Started Savings Account with Life Insurance. The account comes with a free BPI-Philam Life insurance equivalent to 5 times the account’s balance, up to 2 million pesos.
Balance means the average month-to-date average daily balance of the past three calendar months prior to the death ofthe insured.

PRIVATE INSURANCE linked to CREDIT CARDS

- This is for credit cardholders who have purchased credit life insurance and life insurance policies from or through their credit card issuers.

- Examples are the Assure and Saver life insurance programs of Axa Philippines, a joint venture between Metrobank and Global AXA Group of France.

INSURANCE linked to MEMORIAL PLANS

- Some memorial companies give financial assistance or death benefits to the beneficiaries of those who pass away while still paying their memorial plans in monthly, quarterly or yearly installments.

- For instance, the St. Peter Life Plans with Return of Premium policy gives cash assistance to beneficiaries if the planholder dies during the paying period or within 5 years after full payment. There’s also additional benefit for death or loss of limbs or eyes due to accident.

HMO

- HMOs provide primarily hospitalization benefits, but most of them also provide death benefits to HMO members’ beneficiaries.

- An example is the INTELLICARE corporate HMO program of Asalus Corp. This HMO plan gives cash assistance of 10,000 pesos for natural death and 20,000 pesos for accidental death to the beneficiaries of principal HMO cardholders.

LOCAL EMPLOYER

- Separate death benefits for employees of companies with retirement, incentive or insurance programs for their employees. Usually ang mga big local companies and some foreign multinationals ang merong ganitong Death Benefits in the Philippines.

I looked at Book 4 of the Labor Code of the Philippines (titled Health, Safety and Social Welfare Benefits) and I saw that the only mandatory employee benefit related to death is that given by SSS. Mandatory for employers na tapatan nila ang SSS contribution ng employees. And later, naging mandatory rin yong employers’ share sa PAG-IBIG contributions.

OFW EMPLOYER

- Some OFW employers give death benefits, especially to the beneficiaries of long-time employees. If the OFW passes away while on vacation, the primary beneficiary should email the employer, together with a copy of the death certificate and a copy of marriage or birth certificate, and request for any financial benefit.

COOPERATIVES

- There are some cooperatives that provide death benefits or financial assistance to the beneficiaries of members. An example is the Center for Community Transformation (CCT), which has a group insurance partnership with Philam Life.

BARANGAY ASSOCIATIONS

- In our barangay and nearby barangays in our province in the North, there is an association called SARANAY. Whenever someone in the barangay dies, each family in the barangay contributes a certain amount of money (the same amount for all families) to accumulate money for the bereaved family. A total of 10,000 pesos (50 pesos times 200 families) is already a big help in the province.  I am proud of my mother, who is now in her 80s, because she and her friend were the ones who started this program years ago in our rural area, and now this program has spread out into other barangays.

May death benefit ba na nakukuha sa PHILHEALTH?
Sori, WALA, kasi hospitalization or medical treatment cost assistance ang focus ng Philhealth.

GSIS, AFP, PNP

Note:  We are not familiar with death benefits provided by the GSIS, AFP or PNP, so we will not be able to answer questions about these benefits.

GSIS (For government employees)

- Burial benefit of 20,000 pesos, given to the spouse or to the children (if spouse is already deceased)
- Survivors’ monthly pension or cash benefits to primary beneficiaries (legal spouse and minor children up to 5). If there are no spouse and children, death benefits are given to secondary beneficiaries.
- For members who died in the course of work or due to an occupational illness, additional Employee Compensation benefits are given to beneficiaries.
- Proceeds of compulsory and/or optional life insurance policies and/or educational policies and/or accident insurance policies for beneficiaries of members who participated in these optional programs.

Note:  GSIS has several retirement and life insurance options, kaya iba-iba ang pag-compute ng amounts of death benefits received by beneficiaries.

If you’re in the Muntinlupa area,  and you would like to purchase a St.  Peter Life Plan or St. Peter Memorial Plan, just make a comment below, and I’ll email you the name and cell phone no. of a St. Peter agent.  Sabi ng agent na ito, bibigyan daw ako ng referral fee or konting deduction sa monthly payment ko sa plan ko kung meron akong mai-refer.

Sa dami ng pre-need na naba-bankrupt, bakit ako nagre-refer ng memorial plan?  Baka sakali lang na naghahanap ka ng ganitong plan at meron kang tiwala sa St. Peter.  Hindi naman sila na-bankrupt noong kasagsagan ng pre-need collapse. At hindi naman sila focused sa pera, kundi sa memorial chapels, caskets at memorial services. Meron daw silang malawak na taniman ng mga trees (forgot the tree name) which they use to make caskets.

Hindi natin alam, baka ma-bankrupt din ang St. Peter, kung ma-mismanage (of course, hindi sana), pero nakita ko kasi yong hirap nang namatayan, kaya kumuha rin ako ng plan, para hindi mahirapan ang anak ko, lalo na at only child siya. Pero lagi kong ipinagdarasal na pahiramin pa ako ng Panginoon ng mahaba-habang buhay para mapagtapos ko pa siya sa college, at makatulong pa ako sa extended family members.

Death Benefits in the Philippines