Because Ideas Change Lives
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!
[Read more…]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!
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.
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…]One major fact of life that people take for granted is that our thoughts determine our future. Remember, we act on our thoughts and impulses, and our actions can lead to either good or bad consequences. For example, if you seriously start thinking of stealing an expensive cellphone or gadget, you’d go to jail and ruin your future. If, on the other hand, you think of things like starting a business or improving your career, then you might actually become more successful when you act on those things you think about.
Note: Before we continue, I have to make this clear. In this article, being a “victim” isn’t about actual victims of emotional, physical, or sexual abuse. This article is about the negative mindset of always making excuses, giving up, and quitting when faced with life’s challenges. Being a “victor” on the other hand is about that positive mindset where you persevere through hardships and keep looking for solutions until you succeed.
There’s a difference between having a “victim” mentality and having a “victor” mentality. Do you know the kind of mindset that you have?
[Read more…]
