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Home » Archives for Ray L. » Page 9

AFPSLAI Dividend Schedule 2021

February 10, 2021 by Ray L. 17 Comments

UPDATE: AFPSLAI Dividend Schedule for 2022 posted! Click here!

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 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!

afpslai dividend 2021
[Read more…]

[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.

bir 0605 payment form
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[Self-Employed] How to File and Pay for the BIR Annual Fee Online

January 27, 2021 by Ray L. Leave a Comment

Tagalog Version (Click Here)

As a self-employed blogger, I’m required to register with the Bureau of Internal Revenue (BIR) and pay taxes to the government. Aside from issuing receipts and paying my taxes personally, I also need to pay an annual registration fee of P500 (as of Jan. 2021) every year and I have to pay it before the start of February to avoid penalties. If you’re a self-employed individual like me, you’ll need to pay for that too.

When I went to the BIR RDO (Revenue District Office) where I’m registered in order to pay for the registration fee, a very helpful employee told me to file it online using eBIR and either pay for it in their accredited banks, or through GCash. Thankfully, the employee at the front desk taught me what I needed to click on and fill up in the eBIR forms using their 0605 payment form.

bir 0605 payment form
[Read more…]

“Ang Brownout ay Hindi Burnout”: Tatlong Payo sa Para sa Panahon ng Pagsubok

January 13, 2021 by Ray L. 1 Comment

English Version (Click Here)

Lahat tayo dadaan sa panahon ng pagsubok, at minsan sa mga panahong iyon nagiging sobrang lala ng mga nararanasan nating sakuna na halos maubos ang ating inspirasyon at motivation sa buhay. Nangyayari iyon sa lahat, at kailangan nating alalahanin na kung hindi natin kayang harapin ang mga problema sa ngayon, hindi nito ibig sabihin na hindi natin sila kakayaning lampasan.

Kapag napakarami tayong hinaharap na problema at pagkabigo, minsan mainam na tumigil muna tayo, magpahinga, at magbago ng pananaw tungkol sa mga problema natin. Kung malubha man ang kalagayan ng mundo, kailangan nating palakasin ang ating loob lalo na sa pagiisip natin tungkol sa ating kakayahang harapin ang ating mga problema.

Narito ang ilang aral na makakatulong kapag nakararanas ka ng panahon ng pagsubok.

[Read more…]

“Never Call a Brownout a Burnout”: Three Tips to Survive Hard Times

December 21, 2020 by Ray L. Leave a Comment

Tagalog Version (Click Here)

We’ll all go through hard times, and sometimes things get so severe that they completely drain our inspiration and motivation. Bad things happen to everyone, but we have to remember that if we can’t seem to face and solve our problems right now, that doesn’t mean that we won’t be able to get through them eventually.

When faced with so many problems and losses, sometimes it’s better to just take a step back, rest for a little bit, and try to put your problems into perspective. Things may get bad, but you need to strengthen your faith in your ability to get through it.

Here’s a few lessons to remember when you are facing hard times.

[Read more…]
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