PMT Forum

News: New PMT Forum Achievement Awards!   Did you receive your award? Click here to know more about the PMT Forum Awards.

 
 
Welcome, Guest. Please login or register.
Did you miss your activation email?

Author Topic: ADVICE: Unionbank Large Cap Philippine Equity Fund?  (Read 17830 times)

Offline j_l

  • Associate Member
  • *
  • Posts: 54
  • Thanks Received: 0
Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
« Reply #30 on: Apr 14, 2011, 11:08 AM »
  • Publish
  • I have a question ulit......
    Totoo ba na walang online account ang uitf ng unionbank, kasi sabi sakin wala raw, so hindi ko makikita yung performance ng investment ko, tapos hindi naman parating daily ang update ng prices nila sa website nila kaya baka hindi ko nalalaman nalulugi na pala ako, sabi kasi sa kin tingnan ko na lang raw sa website nila ang daily prices tapos i-multiply-multiply ko na lang para malaman ko ang gains or loses ko.

    Ang alam ko lahat ng banko meron online accounts for savings account with uitf. Tapos ang na-open ko lang na account is "placement account/settlement account" hindi pala yung e-wallet (savings account) na may access sa online banking at ang sabi kahit mag-open ako ng "saving account" ang makikita ko lang raw ay ang savings account ko hindi yung performance ng uitf ko. Sabi nila iba talaga ang settlement account sa savings account kaya naman kahit mag-open ako ng savings eh hindi pwedeng ma-link yon or ma-affiliated yon so may maintaing balance pa rin na kailangan (10,000).

    Nagtatanong ako kasi ang alam ko ay ang settlement account at savings account is treated as one tapos mali-link sya sa account ng uitf and then kahit wala ng laman ang suppose to be dual purpose na "savings/settlement account" ok lang kasi linked sila, parang wala ng maintaning balance(suspended muna)........kapag active parin ang uitf investment ko.

    Please help me guys, maslalo na yung may uitf rin sa unionbank..........

    Offline luranski

    • Senior Member
    • *
    • Posts: 137
    • Thanks Received: 0
    • Gender: Male
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #31 on: Apr 14, 2011, 10:46 PM »
  • Publish
  • mahirap talaga online sa UITF. Yung BDO ko, updated naman. Kita mo agad yung gain or loss. =)

    I have BDO UITF and it performs well as of the 1st quarter.

    « Last Edit: Apr 15, 2011, 12:11 AM by FutureGizmo »

    Offline biginvestor123

    • Junior Member
    • *
    • Posts: 36
    • Thanks Received: 0
    • Gender: Male
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #32 on: Apr 21, 2011, 10:43 PM »
  • Publish
  • Hi I have a question about Union Bank UITF. I opened an account large cap and they gave me a settlement account number and a UITF certificate, but no passbook or ATM. I was told that my signature is enough confirmation that I am the account holder. Is that correct? Sa mga may UITF sa Union bank, were you given an ATM or passbook for the settlement account?
    Please limit your signature to two lines, per forum rules. -Mod.

    PMT Forum

    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #32 on: Apr 21, 2011, 10:43 PM »
    * * * * * sponsored links * * * * *

    Offline FutureGizmo

    • Admin
    • *
    • Posts: 5,058
    • Thanks Received: 5
    • Bazinga!
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #33 on: Apr 22, 2011, 07:48 AM »
  • Publish
  • @biginvestor123, please refrain from making multiple posts in separate threads. That is a violation of the forum rules. Your question has alreade been answered here: http://www.pinoymoneytalk.com/forum/index.php?topic=35129.0
    Join our 46,000+ PinoyMoneyTalk fans on Facebook!
    :b_hi: Like, Like, Like PMT on Facebook now!

    Offline ishkalafufu

    • Newbie
    • *
    • Posts: 4
    • Thanks Received: 0
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #34 on: May 20, 2011, 06:02 PM »
  • Publish
  • This may be a bit off topic.. but this was the closest I could find.

    I inquired recently at a Unionbank branch regarding opening a UITF account. I was originally interested at the Large Cap and Peso Balanced Funds because both were (and still are, I think) performing seemingly well. They offered me a relatively new product (an UITF, I believe) which is very aggressive..it was some Growth Fund (or something like that) and it ws linked with some insurance company. I remember it was almost half invested in equities, and the other half in something similar..er... direct equities or something like that..but all the stocks chosen were mainly blue chip Philippine stocks..e.g. Meralco, Megaworld, Semirara, Aboitiz, etc. For a UITF started just last Feb., they were saying that they have confidence it will earn around 60+% by the end of the year (or some such thing).. and their minimum is 1M to open an account...

    Has anybody heard of this? I can't even find it on their website. Is this supposed to be some exclusive UITF for select clients...or whatnot? lol

    I say it was strongly aggressive because 80-90 percent was in equities and only around 10 percent was in moneymarket investments... though to be fair, it did not repulse me that much because personally, I am quite confident that the country will do well in the Aquino administration (at least in the next 3-5 years)... and regardless of the volatility of equities trading, if the government doesn't do anything stupid, or no natural calamities occur.. stocks give generally high rates of return when held for at least more than a year.. or two.., etc.

    So.. has anyone heard of this new Unionbank UITF/Insurance company linked investment product (Growth Fund..something)?

    Offline mjtfernandez

    • Posting Guru
    • *
    • Posts: 448
    • Thanks Received: 0
    • Gender: Male
    • Mark Fernandez, CPA, MDRT, RFC
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #35 on: May 20, 2011, 09:18 PM »
  • Publish
  • Banks have what they call Bancassurance in which the banks tie up with a Specific Insurance Company.

    For example, BPI ties up with Phil-Am
    RCBC with Sunlife
    BDO with Generali

    UnionBank is partially owned by Insular Life that is why it's bancassurance partner is Insular Life. The details of the growth fund is at the website of Insular Life that is why you can't find it in the website of UnionBank.

    Growth Fund is an addition to the existing funds of Insular Life. The existing ones are fixed,balanced and equity. Basically growth funds are invested in stocks that are called growth stocks as compared to blue chip stocks. You may check wikipedia about growth stocks to know more about it. Growth stocks in it simple sense has a higher potential for return though it is coined to be much more riskier than the regular blue chip stocks.

    Bancassurance products are no different from what Insurance companies offer however, some investors would be more concerned about investing in the premises of the four walls of the bank because they feel it is safer when in fact it is no different from what the Insurance Companies offer.

    The only thing is that your bancassurance officer is not as flexible as your insurance agent as they are required to be in the bank and you cannot call your bancassurance officer to go to your house/office. My take is a financial adviser from a qualified insurance company would be more "flexible".

    Hope this helps
    -------------------------

    Are you financially healthy? Take this short financial health checklist. Thanks!
    « Last Edit: May 20, 2011, 09:21 PM by mjtfernandez »
    Top Financial Advisor of Insular Life. Request for a FREE life insurance, health, investment quote online at my blog site at mjtfernandez.com

    PMT Forum

    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #35 on: May 20, 2011, 09:18 PM »
    * * * * * sponsored links * * * * *

    Offline ishkalafufu

    • Newbie
    • *
    • Posts: 4
    • Thanks Received: 0
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #36 on: May 20, 2011, 10:14 PM »
  • Publish
  • Oh I see. I checked the Insular Life webpage and it is indeed posted there. Considering that the Growth Fund is truly more aggressive than the Equity Fund, it is at least consoling that the Equity Fund seems to be doing pretty well: 180.08% since inception, YoY of 40.24%...

    It was only just a bit of a shock that their minimum was quite high, since I was pretty much used to the "common" 100k minimum of bank UITFs already. Despite its being partly handled by a Life Insurance Company, is it really as secure as a bank-managed UITF? By "secure" I don't mean as regular investment risk (since we all know equity investments are one of the riskiest out there), but more in line with, is it safe/reliable?


    (Like you said, most people generally tend to feel more secure handing over their money to banks rather than other companies out there, e.g. insurance, mutual fund, although these latter are also being "watched" by their own respective government bodies too, as banks are watched by the BSP...)

    Just another follow-up question: If I do decide to open an account with this Growth Fund (or any fund by the insurance company), does that mean I can still perform/handle future transactions with the bank instead of doing it directly with Insular Life, e.g. going to their offices, meeting with insurance agents, etc.? Does this merely make the bank a 3rd party broker to the transaction? What purpose then does the bank actually perform, besides make the client "feel secure" about transacting inside the 4 walls of a bank, i.e. 'psychological comfort'?"

    I'm really sorry for the unending questions, but this has gotten a bit more complicated for me since I originally expected a simple bank-managed UITF..  :hello:


    Thanks for the reply  by the way! :D

    « Last Edit: May 20, 2011, 10:23 PM by ishkalafufu »

    Offline mxherr5

    • PMT Jedi
    • *
    • Posts: 1,408
    • Thanks Received: 0
    • Gender: Male
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #37 on: May 21, 2011, 06:27 AM »
  • Publish
  • I think that's insular's VRA? Correct me if I'm wrong Mark.

    The minimum is high because it has no premium charges,
    other VULs(That's what a VRA is btw) have premium charges.

    But as far as I know the minimum is only 475k and not 1M

    Well, consider that no insurance company has left their policy
    holders hanging yet as the IC is very strict(as per all the
    agents I spoke to) All insurance companies that closed shop
    were required to sell their block of business to bigger insurance
    companies.

    Compare that to numerous bank failures.

    Offline mjtfernandez

    • Posting Guru
    • *
    • Posts: 448
    • Thanks Received: 0
    • Gender: Male
    • Mark Fernandez, CPA, MDRT, RFC
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #38 on: May 21, 2011, 11:26 AM »
  • Publish
  • Insurance companies have their own regulatory body. The banks are regulated by the Banko Sentral ng Pilipinas while insurance companies are being regulated by the Insurance Commission as to reserve requirements and capitalization and other risk management requirements. I cannot tell you which one is more secure because I would be inkling to one. However, if you search the internet you cannot find an insurance company unable to pay any legal claim whilst you can find banks closing like the recent banko filipino. Also, PDIC is actually an insurance company too.

    As to insular life, 100 years and turning 101 this year. And if you want to do your homework, you can compute the debt to asset ratio of insurance companies to determine their solvency.

    Bancassurance officers are in truth insurance agents. There is no major difference. They are however employees of the bank they are with. You still have to transact with Insular Life with your growth fund. Insular Life has an online customer portal for your insurances and investments. Also, it also has a 24/7 customer service call center if you want to know your fund value just call 876-1800.

    If you want more info of the growth fund and what stocks comprise, I can send you an email.

    Hope this helps.


    Post Merge: May 21, 2011, 11:30 AM
    Yes mxherr5, its VRA and the fund is called growth fund. Yes, the minimum is 475k but I don't know what is the minimum for bancassurance officers. Maybe it is indeed 1M.

    It is a VUL product yet it has no front loading charge. It has an insurance component of 125% of your investment.

    The benefit is that if you die and your fund value dropped from P1M to lets say 600k, then your family will receive 1.25M not the 600k. Also it is an insurance product so it is not subject to the 20% estate tax.

    By the way, are you aware of a website like ICAP.com.ph that is for VUL funds? VUL is considered an insurance product though it contains an investment component so it is governed by the Insurance Commission and not the SEC. Thus the insurance code not the securities regulation code. That is the reason it is not in ICAP.com.ph
    « Last Edit: May 21, 2011, 11:37 AM by mjtfernandez »
    Top Financial Advisor of Insular Life. Request for a FREE life insurance, health, investment quote online at my blog site at mjtfernandez.com

    Offline ishkalafufu

    • Newbie
    • *
    • Posts: 4
    • Thanks Received: 0
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #39 on: May 21, 2011, 07:56 PM »
  • Publish
  • Wow, thanks for the replies guys!

    Your posts were quite informative. In any case, in investing naman, the minimum amount (or invested amount) does not matter so much in the sense that whatever capital you do decide to invest, the profit you gain will always be in the percent size of the profit.. the bigger the investment, the bigger the gain, etc.. so it can work for or against you, depending on whether you gained or lost.

    The absence of the estate tax must be that little point that my bank officer was also trying to stress. haha I think it was mentioned in passing that some high net worth people chose this form of investment because they avoid the tax part.. All I can say is.. it is legal after all, so why not di ba?

    Also, I think I get your points about the stability of insurance companies.. it's just that I wanted that little bit of reassurance there somewhere..  :D

     

    Offline GoodSteward

    • VIP 3500
    • *
    • Posts: 3,759
    • Thanks Received: 4
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #40 on: Jul 01, 2011, 09:03 PM »
  • Publish
  • hi guys,
    i am just wondering kung ano ang difference ng: "bid", "offer", "mid/last" (different pricing ito ng NAVpU) and how can this affect your investment. Kasi ganito ang pricing ng NAVpU sa unionbank, sa mismong website nila. Does "offer" mean yung mismo ang basehan or talagang offer na price tapos ang bid ay kung maramihan ka bumili or kung gusto mo ng discount.......... ah basta naguguluhan ako minsan iniisip parang exchange rate ang datingan kung saan yung mid/last ang ibigsabihin ay huling presyo ng palitan ng currency....... Sa BDO wala namang ganito at isa lang basis nila or pricing nila.

    Kaka-invest ko lang kasi sa Large Cap kahapon at pag nagtatanong ako yung "offer" na NAVpU ang binibigay sakin iniisip ko tuloy lugi ako kasi yung "offer" ang pinakamataas na price compared to "mid/last" and "bid". Iniisip ko kasi sa mga humihingi lang ng discount or maramihan bumili ng units ang "bid" price, e hello 100,000 naman kaya ang minimum participation & dati pa talaga ang basehan ko ay yung mid/last kasi iyon ang refference ng "uitf.com" kaya naman parang feeling ko nalugi ako kasi ine-expect ko na sa "mid/last" ko siya mabibili na masmababa ng konti sa pricing ng "offer".

    Please enlighten me guys......Thnx in advance!

    Bad trip!!! Paid the price for not inquiring enough before placing at their Philippine bond fund!!

    One of he major reasons why i prefer UITF over mutual fund is because i hate...no, i disgust sales load.

    Tapos sumabit pa ako dito. I can say na etong union bank uitf lang ang may "slaes load-in effect", hidden pa. 

    Tama po kayo, j_l, nagulat ako when I saw on my certificate today na ang ginamit nilang navpu ay yun offer price, kala ko din yun last navpu ang gagamitin.

    Tapos  when redeeming, here is how you compute it, from their website:

    How do investors keep track of the value of the UITF investment?
    Units x Bid Price = Market Value of Investment

    So that's their purpose....Bid price is lower than offer price. In effect, pagplace ko palang, talo na ako. My 190,000k placement is only valued at around 188,600.

    Hayy.....just hope its performance will at least be at par or even better than my suki BDO uitf...

    Offline mxherr5

    • PMT Jedi
    • *
    • Posts: 1,408
    • Thanks Received: 0
    • Gender: Male
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #41 on: Jul 02, 2011, 10:12 PM »
  • Publish
  • Awww, I feel your pain sir. I share your distaste for any kind of sales load or pseudo sales load. Double whammy kasi you were not informed. Its not even clear in their site that they have a spread.

    Only when I checked the performance history did I see a bid mid and offer price.

    Well, they do have better performances than others so lets hope
    that overcomes the "sales load" that you paid

    Offline GoodSteward

    • VIP 3500
    • *
    • Posts: 3,759
    • Thanks Received: 4
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #42 on: Jul 04, 2011, 06:01 PM »
  • Publish
  • mxherr5, ya , true, and for their performance, which Navpu ang basis nila? do they use the LAST NAVPU and not BID or OFFER Navpu?  I should drop by sa branch to clarify...

    Offline mxherr5

    • PMT Jedi
    • *
    • Posts: 1,408
    • Thanks Received: 0
    • Gender: Male
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #43 on: Jul 06, 2011, 11:07 AM »
  • Publish
  • Ang alam ko yung mid ang nirereport nila sa uitf.com as their NAV.
    Yun daw ang true NAV nila.

    Offline mdejess

    • Posting Guru
    • *
    • Posts: 416
    • Thanks Received: 1
    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #44 on: Dec 29, 2012, 03:25 PM »
  • Publish
  • I have read this whole thread, and I just think I have to point out the author's inaccuracy about money market and Union Large Cap fund.

    See texts in enlarged bold font in the quote below.

    Hi,

    I currently have around P200k in savings and I want to start investing in the money market for a period of 1-1.5 years for now. The Unionbank Large Cap UITF interests me (opening balance of P100k) because of it's performance over the last 2 years especially. I'm hesitant about investing in it because the price of it is so high right now and I'm scared of it dropping.

    Any advice on what I should do?


    Unless he means by money market broadly as all the various uitf funds.

    Quote
    TRUST & INVESTMENTS
    Products

    Phil Peso Bond
    Phil Dollar Bond
    Peso Balanced
    Large Cap
    Peso Money Market
    Long Term Current Income
    Current Income (T-Bill 91)
    Infinity Prime
    Tax Exempt

    ============

    Downloads
    FAQs
    Requirements
    Tools
    Suitability Assessment
    Goal Planner
    Contact Us


    http://www.unionbankph.com/index.php?option=com_content&view=article&id=975&Itemid=72
    Quote
       

    Main Page | Products | Requirements | FAQs | Downloads | Tools | Contact Us

    The Bank currently manages nine funds for its retail and corporate clients – Phil Peso Bond, Phil Dollar Bond, Peso Balanced Fund, Large Cap, Peso Money Market, Long Term Current Income, Current Income (T-Bill 91), Infinity Prime and Tax Exempt.

    Fund   Date   Bid   Offer   Last
    Phil Peso Bond   2012-12-28   224.947048   225.859690   225.340260
    Phil Dollar Bond   2012-12-28   1.913403   1.930778   1.922090
    Peso Balanced Fund   2012-12-28   130.001188   130.895228   130.391014
    Large Cap   2012-12-28   619.603895   630.409677   626.159780
    Peso Money Market   2012-12-28   126.929560   127.016226   126.994212
    Long Term Current Income   2012-12-28   116.864026   117.436818   117.135844
    Current Income (T-Bill 91)   2012-12-28   141.321980   141.518935   141.348650
    Infinity Prime   2012-12-28   144.915853   145.096731   144.971669
    Tax Exempt   2012-12-28   158.545265   159.557319   159.042789
     
    http://www.unionbankph.com/index.php?option=com_content&view=article&id=1034&Itemid=69


    Please forgive me for this nitpick on precision with vocabulary.

    But I am learning more and more about investments, thanks to this website/forum.



    Mdejess

    PMT Forum

    Re: ADVICE: Unionbank Large Cap Philippine Equity Fund?
    « Reply #44 on: Dec 29, 2012, 03:25 PM »
    * * * * * sponsored links * * * * *

     


    PMT Shoutbox

    Refresh History
    • Miguelfabon: Yes
      Yesterday at 02:52 AM
    • joanmatira0630: hi po bka may makatulong po skin to be financially stable..prob di ako maapproved sa mga bank loan dhil sa fault ng previous co ko..
      Nov 29, 2016, 07:48 PM
    • preler: cnu may alam direct seller of power tools
      Nov 28, 2016, 01:04 PM
    • inv123456: hi
      Nov 25, 2016, 08:04 AM
    • jocyfruit: hi
      Nov 21, 2016, 03:00 PM
    • a.b: hi po
      Nov 21, 2016, 01:10 AM
    • boyBabsi: digidigidigidong digidigidong digidigidi digidong digidigidong - Kanta po yan nung Indian dance instructor sa Life of PI movie. . lss lang hahahaha Good day!
      Nov 20, 2016, 06:26 AM
    • irish10: Hi po!
      Nov 17, 2016, 04:27 PM
    • boyBabsi: Pwede po bang yumaman sa sabong? Why or why not?
      Nov 14, 2016, 04:59 AM
    • nievarezluela: hello alphaLen.. walang bangko ang malaki magbigay ng interes.. pagaralan mo ang Stock Market.. or mutual Fund.. dito lalago ang pera mo..
      Nov 11, 2016, 04:52 AM
    • Mr.DreamBoy: Hi guys.. im ofw ask lang po ako kung cno pwede hiraman nang pera kylangan kulang nang pocket money kahit magkano po ang tubo at handa po akung mag bigay nang Info or Requirments.. basta po matanggap ko ang pera bago ako mag flight.. salamat po godbless
      Nov 08, 2016, 10:47 PM
    • Reese77: Kamusta sa lahat.. tanong ko lang po may alam po ba kayong sanglaan dito sa riyadh? Need lang po ng money thanks.
      Nov 07, 2016, 07:21 AM
    • annjoo: @SiPoorMan Di naman necessarily lahat business minded.. More on wanting financial stability yung mga dito, I believe. If you want to talk with smart people, this the place! Ang raming matalino dito, so much to learn.
      Nov 03, 2016, 05:15 AM
    • Atoms22: Free sent here from UAE kabayan. .
      Nov 02, 2016, 12:49 AM
    • pulubing_palaboy: nothing in particular. i work in the city
      Nov 01, 2016, 02:11 AM
    • ManilaBoy40: Kind of, Why ...
      Oct 31, 2016, 02:13 PM
    • pulubing_palaboy: mb40, are you back in 9er land?
      Oct 29, 2016, 01:48 AM
    • ManilaBoy40: I've already returned sinced last year to my home country so I have no use for the Philippine citizenship , I only re-aquired when I was residing there ffrom 2008-2015 to avoid the penalty ...
      Oct 28, 2016, 08:22 AM
    • yllor: MB40, Why not take a holiday vacation to your second country where you had a citizenship for the next 6 years.
      Oct 28, 2016, 07:43 AM
    • ManilaBoy40: Anyone Know How to Renounce Philippine Citizenship that I Re-Aquired,Willing to Give Up the Maroon Passport Right Now and for the Next 6 Years ...
      Oct 28, 2016, 05:45 AM
    • sportugal: Pellazargen ako meron alam
      Oct 27, 2016, 01:23 PM
    • sportugal: Hello everyone
      Oct 27, 2016, 01:22 PM
    • ann.merz: hi po
      Oct 26, 2016, 02:02 PM
    • miaka0300: hi im newbie here, paano mag start?may points po ba kada mag popost ?paturo naman po.thanks
      Oct 23, 2016, 06:30 PM
    • lhenvaldez76: hi
      Oct 23, 2016, 01:42 AM
    • jell: hello
      Oct 22, 2016, 01:47 PM
    • SiPoorMan: nako mam ladyshai mahihirapan ka maghanap ng friends dito kasi puro halos mga businessminded no time for making friends, siguro business guru meron.. if friends ang hanap nyo prolly you are in a wrong forum.. ijs
      Oct 21, 2016, 12:51 AM
    • LadyShai: Hello i hope sana makahanap ako ng friends dito ,,,,
      Oct 18, 2016, 05:18 AM
    • SiPoorMan: sir pellazargen sa bank onyo p[o apply
      Oct 17, 2016, 08:37 PM
    • SiPoorMan: maganda hapon sa lahat
      Oct 17, 2016, 08:37 PM
    • pellazargen: bka po may alam po kayo :(
      Oct 17, 2016, 07:45 AM
    • pellazargen: Good morning po. May alam po ba kayo na pwede page sanglaan po ng bahay? Badly needed po kasi
      Oct 17, 2016, 07:45 AM
    • LadyShai: I need someone to talk to plssss niloko aq ng bf ko mrmi kmi plan nasa abrd aq kya pla di na nya ko tintwagan
      Oct 15, 2016, 09:30 PM
    • chris61: Hai! Dewa....nochihodo
      Oct 09, 2016, 10:06 AM
    • Gabrielle_Cruz1004: :thankyou:
      Oct 07, 2016, 12:52 PM
    • Gabrielle_Cruz1004: noob here.. =) thanks guys! <3
      Oct 07, 2016, 12:52 PM
    • budoi: konbanwa minnasan!
      Oct 03, 2016, 07:33 PM
    • CodyDeegan: Hola seniore!
      Oct 03, 2016, 04:15 PM
    • MARC_SANICO: konichiwa..
      Oct 02, 2016, 05:50 PM
    • MARC_SANICO: arigato go saimas.... Newbie..
      Oct 02, 2016, 05:50 PM
    • ivy_punzalan: ow. hello po
      Sep 27, 2016, 03:34 PM
    • CodyDeegan: :welcome: newbies :)
      Sep 27, 2016, 12:26 PM
    • kiriyama: *a while hahaha
      Sep 26, 2016, 01:27 PM
    • kiriyama: *a whil
      Sep 26, 2016, 01:27 PM
    • kiriyama: helow its been i while...hahaha si yllor nlng naalala ko dito hahaha
      Sep 26, 2016, 01:10 PM
    • AlphaLEN: Please suggest some local banks na nag bibigay ng highest interest..Wala pa po along saving and plan ko palang mag start..So I decided na alamin ko muna kung alin ang maganda..I also wanted to invest and according sa isang episode na napanood ko sa TV Pwede na mag start sa 500pesos..Nag tingin din ako sa internet and meron sa bpi. Anu po sa tingin nyo?
      Sep 25, 2016, 10:55 PM
    • AlphaLEN: Refresh History Smileys Styling AlphaLEN: Good evening po..Newbe here..I'm reading a book ang pera na Hindi bitin at sinudgest doon na I can visit this website to get some tips about local banks na nag bibigay ng highest interest..
      Sep 25, 2016, 10:40 PM
    • AlphaLEN: Good evening po..Newbe here..I'm reading a book ang pera na Hindi bitin at sinudgest doon na I can visit this website to get some tips about local banks na nag bibigay ng highest interest..
      Sep 25, 2016, 10:21 PM
    • rhyza21: hi guys pano magpost ng new thread?
      Sep 24, 2016, 05:25 PM
    • CodyDeegan: Hi guys hindi na ba effective yung member of the month?
      Sep 22, 2016, 04:07 PM
    BloQcs design by Bloc
    SMF 2.0.11 | SMF © 2015, Simple Machines
    SMFAds for Free Forums
    SimplePortal 2.3.6 © 2008-2014, SimplePortal