Your Wealthy Mind Author : Ray L.

Isipin mo na lang kung gaano kahirap ang buhay kapag wala kang valid government-issued ID. Hindi ka makakapagbukas ng bank account, hindi mo maveverify ang sarili mo sa mga online payment at transportation apps tulad ng GCash at Grab, at wala kang prueba ng iyong identity kapag may susunduin kang packages. Ang mga iyon ay iilan lang sa mga problemang kailangan mong harapin at napakaraming ordinaryong bagay ang hindi mo magagawa dahil wala kang valid ID.

Sa kasamaang palad, para makakuha ng ilang government ID kakailanganin mo ang IBA PANG valid ID bilang requirement upang makuha sila. Kung wala kang ID talagang maiipit ka. Buti na lang may isang valid government-issued ID na madali lang kuhanin at iyon ay ang Philippine Postal ID (PID).

Heto ang aming guide tungkol sa kung paano kumuha ng Postal ID.

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How to get a Postal ID (Philippine Postal ID Guide)

March 11, 2021 by Ray L. 3 Comments

Tagalog Version (Click Here)

Can you imagine life without a valid government-issued ID? You can’t open a bank account, you can’t verify yourself on online payment and transport apps like GCash and Grab, and you can’t prove your identity when picking up packages. Those are just some of the problems you’ll have to face, and you’re basically stuck and unable to do a lot of basic things simply because you don’t have a valid ID.

Unfortunately, most government IDs need OTHER valid IDs as a requirement to get them so if you don’t have an ID, you’re definitely stuck. Thankfully there’s one valid government-issued ID that’s relatively easy to get, and that’s the Philippine Postal ID (PID).

Here’s how to get your own Philippine Postal ID.

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Why we create short guides

March 8, 2021 by Ray L. Leave a Comment

It’s very important to expand your horizons if you want to open your mind to the possibilities that you can achieve in life, and that’s why I believe reading books and articles about wealth, success, and prosperity is important. Still, we must never forget to stay grounded. Timeless wisdom may be incredibly valuable, but there are times when the things that will help people the most are lessons on how to do the mundane and ordinary.

So why do create short guides? Read more below!

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AFPSLAI Dividend Schedule 2021

February 10, 2021 by Ray L. 11 Comments

UPDATE (7/16/2021): EDA for 2020 has been raised from 9% to 13% per annum. According to AFPSLAI, you’ll get the 3% difference after May 26, 2021. For the first quarter of 2021, the EDA is 14% per annum or 3.5% for that quarter.

While their dividend rates have gone down drastically to around 9% per annum since 2020, AFPSLAI‘s Capital Contribution Account (CCA) is still a very good investment vehicle. I pray that their dividend increases again soon once the economy recovers.

(Note: The EDA actually increased to 13% p.a. for 2020, and 14% p.a. for the first quarter of 2021. Look at the “Update” section above.)

If you want to avoid the long lines and crowded venue, I recommend getting your dividend a few weeks after the distribution period, and when you do go you should arrive very early. For comparison, if I get there by 8am on release day, my number would be on the hundreds already and my turn would come by 2pm or later. Nowadays, I go there weeks after release and arrive by 7am. If I do that, I can be done by 8:30am or 9am.

Anyway, if you want to look at the AFPSLAI dividend schedule for 2021, you can check it out here!

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[Self-Employed] Paano Mag-file at Magbayad ng BIR Annual Fee Online

February 3, 2021 by Ray L. 1 Comment

English Version (Click Here)

Bilang isang self-employed na blogger, kailangan kong magrehistro sa Bureau of Internal Revenue (BIR) at magbayad ng buwis sa gubyerno. Bukod sa pagbibigay ng mga resibo at pagbayad ng buwis, kailangan ko rin magbayad ng registration fee na P500 taon taon (yun ang presyo ngayong Enero ng 2021) at kailangan ko itong bayaran bago mag Pebrero para hindi ako pagmultahin. Kung ikaw ay self-employed katulad ko, kailangan mo ring bayaran iyon.

Noong pumunta ako sa BIR RDO (Revenue District Office) kung saan ako nakarehistro para magbayad ng registration fee, sinabi sa akin ng isang matulunging empleyado na kailangan ko itong i-file online gamit ang eBIR, tapos kailangan kong bayaran ito sa isang accredited na bangko o sa GCash. Nagpapasalamat ako at itinuro ng empleyado sa front desk kung ano ang mga kailangan kong pindutin at ilagay na datos sa eBIR forms gamit ang kanilang 0605 payment form.

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