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About Ray L.

Ray is the main writer behind YourWealthyMind.com. He is a proponent of self-improvement and self-education, and he believes that anyone can achieve their goals once they learn the knowledge and skills they need to attain them. He considers it his mission to enrich lives and end poverty by teaching people lessons they may need to succeed.

Paano Magrenew ng Driver’s License

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English Version (Click Here)

Welcome sa aming maikling guide tungkol sa kung paano magrenew ng iyong driver’s license! Dahil kinailangan kong magrenew ng aking lisensya sa Land Transportation Office (LTO) noong Agosto 2021, naisipan kong magsulat ng article tungkol dito. Kung gusto mong malaman ang mga requirements, fees na kailangang bayaran, at iba pang mga bagay na kailangan mong gawin, basahin mo lang ang guide na ito. Alalahanin mo lang na minsan magiiba ang proseso ayon sa branch na pupuntahan mo, at malamang din na tataas ang mga presyo sa pagdaan ng panahon kaya mainam na lakihan mo ng kaunti ang iyong budget.

O siya, dahil hindi natin kailangan ng mahabang introduksyon dito, simulan na natin ang guide!

Requirements para sa renewal:

Ito ang mga kailangan mong dalhin.

  1. Ang iyong LTO driver’s license (current o luma).
  2. Pera pambayad sa mga fees.*
  3. LTO Portal Account: https://portal.lto.gov.ph/ 

*Sa panahong isinusulat ko ito, ang renewal ay nagkakahalaga ng P585, at ang medical tests ay nasa halagang P480 sa Ayala MRT branch kaya kailangan mong magdala ng higit P1,065. Kung expired na ang lisensya mo, may mga penalties kang kailangang bayaran, o may kailangan kang baguhin sa records mo, kailangan mong magdala ng mas maraming pera.

Tataas din ang presyo pagdaan ng panahon. Kung gusto mong makita ang updated na listahan ng mga fees, pwede mo itong makita sa main LTO website sa link na ito: https://lto.gov.ph/license-and-permit.html#license-schedule-of-fees-and-charges

Tungkol sa medical fees: Ang mga clinic na pupuntahan mo para sa medical tests ay private daw ayon sa mga tarpaulin ng LTO (may picture noon sa article na ito). Ibig sabihin nito, hindi sila government-owned at regulated kaya pwedeng iba iba ang presyo ayon sa branch na pupuntahan mo.

MAHALAGANG PAALALA TUNGKOL SA IYONG LTO PORTAL ACCOUNT: Gumamit ng kakaibang password para sa account na ito. Baka kailanganin mong ilogin ito sa isang pampublikong PC sa LTO branch. Mabuti nang maingat ka dito para hindi mahack ang iyong ibang personal accounts.

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How to Renew Your Philippine Driver’s License

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Tagalog Version (Click Here)

Welcome to this short guide on how to renew your driver’s license! Since I personally needed to renew mine at the Land Transportation Office (LTO) last August, I thought about writing about it here. If you want to know a bit about the requirements, the fees, and the things you need to do, just keep reading this guide. Take note though that the process may be different depending on what branch you go to and the prices will likely increase in the future so budget a bit more for it.

In any case, since we don’t need long introductions here, let’s start with the guide!

Requirements for renewal:

Here’s what you need to bring.

  1. Your LTO driver’s license (current or expired).
  2. Money to pay the fees.*
  3. LTO Portal Account: https://portal.lto.gov.ph/ 

*As of this writing, renewal costs P585, and the medical tests cost approximately P480 at the Ayala MRT branch, so bring at least P1,065. If your license is expired, you have penalties you need to pay, or you need to revise your records, then you need to bring more.

The prices may increase in the future. If you want an updated list of fees, you can check it out on the main LTO website here: https://lto.gov.ph/license-and-permit.html#license-schedule-of-fees-and-charges

Notes on the medical fees: The clinics for the medical tests are said to be private according to the LTO’s tarpaulin (pictured somewhere in this article). That means it’s not government-owned and regulated so the prices may be different depending on the branch you go to.

IMPORTANT NOTE ON THE LTO PORTAL ACCOUNT: Use a different password for this account. You may need to login this account on a public PC at the LTO branch. It’s best to be cautious here to avoid getting your other personal accounts hacked.

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Paano Mo Harapin ang Katotohanan? : Pagsukat ng Iyong Katatagan ng Loob

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English Version (Click Here)

Mayroon akong isang napakahalagang tanong: Paano ka mag-react kapag sinabihan ka ng mga katotohanang hindi mo gustong marinig?

Agad agad ka bang nagagalit? Ikaw ba ay nagiging defensive? Puro ka ba palusot, nagdradrama, at nagtatantrum o gumagawa ng eksena dahil nasaktan ka sa narinig mo kahit ito ay totoo?

Kung ganoon ka mag-react, pwedeng ikaw ay magdurusa ng husto balang araw, at IKAW ang responsable sa kapalaran mong iyon kahit puro ka palusot at pagtanggi sa katotohanan.

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How Do You Handle the Truth? : Measuring Your Emotional Strength

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Tagalog Version (Click Here)

Here’s an important question: How do you react when someone tells you facts that you don’t want to hear? 

Do you immediately get angry? Do you get defensive? Do you start making excuses, play victim, and throw a tantrum because you were hurt by what they said even if it might be true?

If that’s how you react, then you might end up sad and miserable. Furthermore, it will all be YOUR fault no matter how much you make excuses and deny it.

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Paano Kumuha ng TIN (at TIN ID)

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Tax. Lahat ay nagbabayad ng tax. Nagbabayad ka ng tax kapag sumasahod ka (depende sa TRAIN law), nagbabayad ka ng tax kapag nagnenegosyo ka, at nagbabayad ka ng tax kapag bumibili ka sa mga tindahan. Hindi mo maiiwasan ang tax dahil dito kumikita ang gubyerno.

Balang araw, kakailanganin mong kumuha ng Taxpayer Identification Number (TIN) mula sa Bureau of Internal Revenue (BIR), at ito ang TIN na gagamitin mo habang buhay. Isang TIN lang ang pwede mong makuha dahil ilegal magkaroon ng maraming TIN.

Bakit mo kailangan ng TIN? Maraming government, bank, o iba pang opisyal na transaksyon ang nangangailangan ng TIN. Sa panahon din ngayon na pwede kang kumita online, kung gusto mong magsimula ng online business, mag-freelance, o kumita sa YouTube o kaya maging isang Twitch streamer, kailangan mo ng TIN para mag-monetize at kumita ng pera.

Ito ang paraan kung paano kumuha ng TIN at TIN ID dito sa Pilipinas.

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