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Disturbing Truth about OFWs

mjtfernandez · 49 · 13383

mjtfernandez

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on: Oct 22, 2010, 07:09 PM
So far I know that most OFWs don't have adequate life insurance. To make things worst, most OFWs are the sole bread winner of their families.

I've noticed that most OFWs in PMT talk mostly of investment and savings but not most on protection.

Have you guys asked yourself, should something happen to me, will my family be able to sustain the lifestyle that I envisioned for them?

For those guys who don't have insurance policies, how do you cope up with this? Do you just accept things as is?

Just need some few inputs. Thanks.


mlangseth

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Reply #1 on: Oct 22, 2010, 07:26 PM
Are you selling some sort of insurance? if you are- then these are your leading questions..
Ok, you work for Insular life..that says it all.

Insurance is for wealth preservation and wealth creation.
Which type are you..

No, I do not sell insurance..I know insurance by experience though...


ric_TNT

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Reply #2 on: Oct 22, 2010, 08:32 PM
So far I know that most OFWs don't have adequate life insurance. To make things worst, most OFWs are the sole bread winner of their families.

I've noticed that most OFWs in PMT talk mostly of investment and savings but not most on protection.

Have you guys asked yourself, should something happen to me, will my family be able to sustain the lifestyle that I envisioned for them?

For those guys who don't have insurance policies, how do you cope up with this? Do you just accept things as is?

Just need some few inputs. Thanks.

Well said sir mjtfernandez!

Meron pa nga ang approach sa akin, death is a fact of life and it excuses no one. Bakit daw maraming mga naulila ang umiiyak pag namatayan ?

Kasi daw, walang iniwan ang yumao kundi mga utang na bayarin lalo na ang funeral services. 

Whereas, kung meron nga daw insurance eh di nakangiti ang mga naulila kasi wala silang inaalala bayarin sa funeral services at malamang me makuha pa sa insurance nito.

Ang ganda ng paliwanag di po ba ?

Ang kaso, merong isang tao, nagpa insure siya at halos 10 years na siya nagbabayad ng premium, nagkataon hindi na niya kaya ituloy hulugan ang monthly premiums, tapos isang araw na-aksidente siya sa sasakyan.

Hayun, si kawawang nilalang, ni hindi makakuha ni isang kusing sa mga inihulog niya ng sampung taon. Kasi ang daming dahilan na inilahad ng insurance company. Yun pala, talagang nage-employ sila ng magagaling  na abodado para ma exhaust lahat ng paraan para maka-iwas  magbayad gayung ang mga premiums na nakolekta nila eh ginamit na nila sa ibang investments (using other peoples money).

Anyway, this is not the case in general. Pero mas malamang ang napupunta sa ganitong scenario.

Just sharing some inputs! No offense meant. . .    :peace:


tops5450

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Reply #3 on: Oct 22, 2010, 09:11 PM
I am just wondering sir kung meron ka pong alam na term insurance for 20 years, how much is the annual premium for ages 33, and 55. And what is the coverage of the policy. Thanks


GoodSteward

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Reply #4 on: Oct 22, 2010, 09:57 PM
Agree to Bos ric_tnt, cant help but think that way too....

So easy for us to shell out money, but so hard to get it back kapag claiming...

Same thing din sa bank...so easy to make a deposit. pag magwiwithdraw specially larger amount and di mo kilala yun teller, sangkatutak na double triple checking ang gagawin nila....


dinaren

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Reply #5 on: Oct 22, 2010, 10:33 PM
Mabuti pa nga yung insurance sa owwa eh nabalitaan ko yung ofw na nag-suicide sa gulfair nakatanggap ng Php100,000 ang family, meron pang business package sa asawa ng Php40,000 tapos may scholarship assistance pa binigay para sa anak na nag-aaral. Yun ay 3mos pa lang nagtrabaho abroad as electrician. Wala nang maraming paperworks, oec lang ok na. To think na suicide pa ang ikinamatay. Kung sa mga usual insurance companies yun may matatanggap kaya yun?
Just asking.


allanmm13

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Reply #6 on: Oct 23, 2010, 01:33 AM
So far I know that most OFWs don't have adequate life insurance. To make things worst, most OFWs are the sole bread winner of their families.

I've noticed that most OFWs in PMT talk mostly of investment and savings but not most on protection.

Have you guys asked yourself, should something happen to me, will my family be able to sustain the lifestyle that I envisioned for them?

For those guys who don't have insurance policies, how do you cope up with this? Do you just accept things as is?

Just need some few inputs. Thanks.

Many financial gurus emphasize the golden rule for wealth preservation... ALWAYS PROTECT YOUR #1 ASSET.

Personally, i have built protection for myself in case whatever happen to me here in abroad.. My family will be left with something.. Kung baga Income Replacement on my behalf (napaka morbid isipin pero its a must :) )

I hope ganyan din thinking ng ibang OFWs, it's not about how much money you can earn but what will you leave your family in case of sudden departure.

And of course, i always go for level term insurance to minimize the cost. Sorry VUL, WL.. Out of the picture.

FYI, the coverage of OWWA insurance is quite small baka akalain nating mga OFWs that will be sufficient to replace our disposable income here in abroad.






« Last Edit: Oct 23, 2010, 01:43 AM by allanmm13 »


mlangseth

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Reply #7 on: Oct 23, 2010, 03:21 AM
Thank you @ sir Ric for the laughter...napatawa mo ako ngayon..noon napaiyak...

Rule of thumb in insurance from me: If you have enough money to cover for your death and you do not have any offspring or anybody that can utilize your assets when you die..no need for an insurance.

If you have children, spouse who has no job..insurance may help you as long as the company is solvent.


ric_TNT

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Reply #8 on: Oct 23, 2010, 02:09 PM
Mabuti pa nga yung insurance sa owwa eh nabalitaan ko yung ofw na nag-suicide sa gulfair nakatanggap ng Php100,000 ang family, meron pang business package sa asawa ng Php40,000 tapos may scholarship assistance pa binigay para sa anak na nag-aaral. Yun ay 3mos pa lang nagtrabaho abroad as electrician. Wala nang maraming paperworks, oec lang ok na. To think na suicide pa ang ikinamatay. Kung sa mga usual insurance companies yun may matatanggap kaya yun?
Just asking.

Swerte niya kung marami siyang nakuhang benefits sa insurance.

Kasi sa mga commercial insurance companies, kung suicide ikinamatay mo, problema mo yan, wala silang pananagutan kaya wala silang babayaran.

So, yung mga OFWs na desperate magkaroon ng easy money, what are you waiting for ? This is an eye opener. 

Everyone is welcome. (Ewan lang kung ganun din mapabigay sa inyo.)  :hihi: :hihi: :harhar:


mjtfernandez

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Reply #9 on: Oct 23, 2010, 04:30 PM
Are you selling some sort of insurance? if you are- then these are your leading questions..
Ok, you work for Insular life..that says it all.

Insurance is for wealth preservation and wealth creation.
Which type are you..

No, I do not sell insurance..I know insurance by experience though...

My concern is more on family protection. I'm with Insular at the same time I have do Estate Planning for a fee. Don't worry I won't harass anyone to get any policy. It's just that most OFWs I have encountered do not have adequate insurance and I just wonder.

I have people coming to me and asking if they could insure themselves then turns out that its declined because they have an infirmity. Wonder why people insure themselves when they're about to die but when they are healthy and premiums are low they don't. Weird... =/

...
Ang kaso, merong isang tao, nagpa insure siya at halos 10 years na siya nagbabayad ng premium, nagkataon hindi na niya kaya ituloy hulugan ang monthly premiums, tapos isang araw na-aksidente siya sa sasakyan.

Hayun, si kawawang nilalang, ni hindi makakuha ni isang kusing sa mga inihulog niya ng sampung taon. Kasi ang daming dahilan na inilahad ng insurance company. Yun pala, talagang nage-employ sila ng magagaling  na abodado para ma exhaust lahat ng paraan para maka-iwas  magbayad gayung ang mga premiums na nakolekta nila eh ginamit na nila sa ibang investments (using other peoples money).

Anyway, this is not the case in general. Pero mas malamang ang napupunta sa ganitong scenario.

Just sharing some inputs! No offense meant. . .    :peace:



Hi Ric, thank you for addressing it here. There are two types of insurance. 1 is a term insurance and the other is a permanent or whole life insurance. The term insurance works that you should pay yearly. Its like buying a 1 year subscription of a magazine. You pay for a year's worth of protection. If you fail to pay, you don't get protection. This type of insurance is usually very attractive because it is very cheap yet if you live to long it will be very expensive. Its like renting a house, its cheap on the first instance but gets expensive. Better to buy the house if you plan to stay long.

The other type is permanent insurance or better known as whole life. You pay for a limited period but you get protected for the rest of your life. This may be a little expensive yet for me is the best type of insurance.

For those who plan to protect their family on a limited budget but wants to protect their family, better to seek advise from an qualified insurance professional.

Agree to Bos ric_tnt, cant help but think that way too....

So easy for us to shell out money, but so hard to get it back kapag claiming...

Same thing din sa bank...so easy to make a deposit. pag magwiwithdraw specially larger amount and di mo kilala yun teller, sangkatutak na double triple checking ang gagawin nila....


Yes, I agree with that. There was one time when a client of mine asked me to get the proceeds from his PET Plans (Preneed company) who went bankrupt. Just imagine the effort and the heart ache that I experienced.

I promised myself that if ever I have clients in the future, I will make sure that I will be there to help them and help facilitate any claim that they may have on their policy. Supposed to be the agent of the PET Plans was the one who should do the effort but since the client is a valued client and friend of mine, I had to go an extra mile.

Here in comes the need to know the reputation of the company and the agent you are working with. We need to research, research, research... =)

Mabuti pa nga yung insurance sa owwa eh nabalitaan ko yung ofw na nag-suicide sa gulfair nakatanggap ng Php100,000 ang family, meron pang business package sa asawa ng Php40,000 tapos may scholarship assistance pa binigay para sa anak na nag-aaral. Yun ay 3mos pa lang nagtrabaho abroad as electrician. Wala nang maraming paperworks, oec lang ok na. To think na suicide pa ang ikinamatay. Kung sa mga usual insurance companies yun may matatanggap kaya yun?
Just asking.

Hi dinaren, thank you for addressing suicide here. Normally suicide is not covered by insurance companies as well as self-inflicted injuries. Why? Just imagine the applicant paying only 4% of the face amount and the family receives the entire 100%? What would happen to the insurance industry?

However, after the contestability period, the insurance company is required to pay the full face amount regardless the cause of death is suicide or not.

Sec. 227 (b) of the insurance code states:

(b) A provision that the policy shall be incontestable after it shall have been in force during the lifetime of the insured for a period of two years from its date of issue as shown in the policy, or date of approval of last reinstatement, except for non-payment of premium and except for violation of the conditions of the policy relating to military or naval service in time of war;

Sec. 180-A. The insurer in a life insurance contract shall be liable in case of suicides only when it is committed after the policy has been in force for a period of two years from the date of its issue or of its last reinstatement, unless the policy provides  a shorter period: Provided, however, That suicide committed in the state of insanity shall be compensable regardless of the date of commission. (As amended  by Batasang Pambansa Blg. 874).

There you go... my personal answers along with answers based on our insurance law...

I suggest we take a peek at our insurance law... It's a very nice law. Along with the insurance commission and the insurance law, we are glad to say that there are no legitimate claims that were not paid by any insurance company.

Hope things are clearer now!  :hello:


dinaren

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Reply #10 on: Oct 23, 2010, 07:59 PM

Sec. 180-A. The insurer in a life insurance contract shall be liable in case of suicides only when it is committed after the policy has been in force for a period of two years from the date of its issue or of its last reinstatement, unless the policy provides  a shorter period: Provided, however, That suicide committed in the state of insanity shall be compensable regardless of the date of commission. (As amended  by Batasang Pambansa Blg. 874).

There you go... my personal answers along with answers based on our insurance law...

Now there goes the conflict. How can you properly establish that the person is insane at the time of suicide. Or it should be presumed already that all people commiting suicide is insane. Wala na dapat tanong dyan.

Disclaimer: Of course hindi nyo po dapat tularan yang suicide para lang magkapera. That is insane in itself..hehehe...

anyway, thanks for the clarification @mtfernandez


freefront

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Reply #11 on: Oct 23, 2010, 10:00 PM
@dinaren >Naunahan mo ako. It is already insane to commit suicide. A loved one might call the person who committed suicide "extremely selfish" but it is definitely mental. If the "suicider" wasn't insane, then it was murder. Right? Even if he had the mind to drink poison, hang himself, shot his temple right before he falls off the bridge just so his family can collect the insurance proceeds- that is still insane!!!

@mjt- puro uno ka siguro sa paperwork nung college ano? Rock on, bro'!

Sa mga bibili ng murang pera( insurance), mangulit kayo sa mga advisor nyo. Pag meron kayong hindi maintindihan ng maliwanag, ipaliwanag nyo ulit. Pag ibibigay na sa inyo ang policy ninyo, magtanong ulit kayo. Pag nagbago ang isip nyo, may mga puede pa kayong gawin para baguhin yung nabili nyo. Kasama yan sa serbisyong binayaran nyo. Pag hindi kayo kampante sa advisor nyo, palitan nyo o di naman kaya, kilalanin nyong mabuti. Pang- habangbuhay ba sya sa carreer na yan o pang isang taon lang sya tapos maglalaho na? Mine is a mother-daughter team na palaging kasama sa free foreign travel ng sunlife dahil kina-carreer talaga nila ang trabahong ito. Pinaka-importante, matatag ba ang napili mong kumpanya? Ano ang pipiliin mo, yung 10 years pa lang sa industriya o yung naka-100 years na? Siempre pa desisyon mo rin kung kasama ka sa magtataguyod ng 10 year old na kumpanya para makarating ng 100 years old.

My bottomline about life insurance is: It creates money where there is so little available (wealth creation) and if you have some- it can make your money make more money (make sure your advisor knows how to work a financial calculator to show you how TIME can afford you a lot more money for the little money you paid to the company); It replaces your economic output ( as a productive member of a society); It pays for taxes, lawyers and the lot of professional help it will need to tie up your life on this planet.

Maski me ipon ka na sobrang laki para bayaran lahat ang nasa baba at taas na items, pag-isipan mo ito: puede kang bumili ng insurance na 5 million dahil may pambili ka, at puede kang ma-insure dahil wala kang grabeng sakit, at ang trabaho mo ay hindi naman "bomb detonator"----at ipamana mo sa isang charitable institution. Na pakonti-konti ang labas dahil naka-trust fund sya. Mag-iiwan ka bale ng "gift that keeps on giving".

 
Some of the "Last Exit Fees" that needs paying:

Income Tax (for the number of months that you worked on the year that you died)

Estate Tax- lahat ng pamana mo, kasama yung Mustang '67 convertible,etc.

Capital Gains Tax on the real estate that you bought, some bonds and stocks maybe

Paid on Death (POD) na mga utang gaya ng mortgage, car loan, five-six, etc.

Hospital bills

Funeral expense

atbp. (pampa-aral ng mga anak sa labas, pamana ng yaya mo na hanggang ngayon kasama mo pa rin sa bahay, sa driver na 30 years nang naninilbihan sa inyo, lifetime na pang vet at pagkain ng mga aso mo, etc.)

Estate Planning question: the last three items can be tax deductible?





Post Merge: Oct 23, 2010, 10:17 PM
Nga pala, follow-up dun sa 22 yr.old na binatang seaman na natulungan ko. Hayun, umutang na naman sa kumpanya 1 month bago sya sumakay ulit. Alam nya siguro na wawasangan ko sya pag sa akin lumapit ulit. Ibinuko sya ng sister nya. :D

That boy's attitude about insurance is: meron naman daw sila galing sa company (which I understood as-- they are only covered while inside the barko. Pagbaba sa lupa, wala nang coverage) at kaya naman daw nyang kitain yang insurance benefit na yan. Psaww!!! Talk about hubris. Mayabang talaga. Siguro may pinirmahan na contract na mamamatay lang sya pag 90 years old na sya.
« Last Edit: Oct 23, 2010, 10:18 PM by freefront »


tops5450

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Reply #12 on: Oct 23, 2010, 10:54 PM
Sir mjtfernandez nakalimutan mo ata nasagot ang tanong ko sir

I am just wondering sir kung meron ka pong alam na term insurance for 20 years, how much is the annual premium for ages 33, and 55. And what is the coverage of the policy. Thanks

Thanks


mjtfernandez

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Reply #13 on: Oct 24, 2010, 06:31 PM
Now there goes the conflict. How can you properly establish that the person is insane at the time of suicide. Or it should be presumed already that all people commiting suicide is insane. Wala na dapat tanong dyan.

Disclaimer: Of course hindi nyo po dapat tularan yang suicide para lang magkapera. That is insane in itself..hehehe...

anyway, thanks for the clarification @mtfernandez

Hi Dinaren, thanks for clarifying things up. The last sentence is a good addition to the section. It provides that if you committed suicide whether before the two year contestability period or after the two year period provided that the person committing suicide was insane, the full face amount is payable (compensable).

However, if you committed suicide and you are not insane, the two year contestability period shall apply.


Some of the "Last Exit Fees" that needs paying:

Income Tax (for the number of months that you worked on the year that you died)

Estate Tax- lahat ng pamana mo, kasama yung Mustang '67 convertible,etc.

Capital Gains Tax on the real estate that you bought, some bonds and stocks maybe

Paid on Death (POD) na mga utang gaya ng mortgage, car loan, five-six, etc.

Hospital bills

Funeral expense

atbp. (pampa-aral ng mga anak sa labas, pamana ng yaya mo na hanggang ngayon kasama mo pa rin sa bahay, sa driver na 30 years nang naninilbihan sa inyo, lifetime na pang vet at pagkain ng mga aso mo, etc.)

Estate Planning question: the last three items can be tax deductible?





Post Merge: Oct 23, 2010, 10:17 PM
Nga pala, follow-up dun sa 22 yr.old na binatang seaman na natulungan ko. Hayun, umutang na naman sa kumpanya 1 month bago sya sumakay ulit. Alam nya siguro na wawasangan ko sya pag sa akin lumapit ulit. Ibinuko sya ng sister nya. :D

That boy's attitude about insurance is: meron naman daw sila galing sa company (which I understood as-- they are only covered while inside the barko. Pagbaba sa lupa, wala nang coverage) at kaya naman daw nyang kitain yang insurance benefit na yan. Psaww!!! Talk about hubris. Mayabang talaga. Siguro may pinirmahan na contract na mamamatay lang sya pag 90 years old na sya.

I like the term bro... Exit fees. Reminds me of our nature to have a nice entry in the things we do but not a nice exit on our life. We leave problems behind as what you stated above, the exit fees.

Yes, the last 3 are deductable for purposes of estate tax along with:

Here's an exhaustive list:
1. Funeral Expenses (P200,000 or 5% of gross estate max)
2. Judicial Expenses (No limit but most be supported, normally 5-15% of gross estate. Can go as high as 30% if litigations occur)
3. Casualty Losses (must establish the loss of value due to a force majeure and acts of God)
4. Insolvency of Debtor (must establish that cannot be claimed even after litigation)
5. Unpaid Debts (because it does not form part of the assets transferred by the decedent)
6. Unpaid Taxes
7. Unpaid Mortgages


Thanks sa story mo bro. Nakakatawa lang one time may tumawag sa amin gustong ipa insure ang parent na 70 years old. Hindi namin tinaggap kasi may mga sakit na. Nag insist dahil may pera naman daw siya pambayad. So i tried to ask medical underwriting department pero nanghingi ng latest clearance from pulmonologist. Hindi ma provide. Tapos nag insist talaga. Inaway pa ako. Eventually ended up binagsakan ako ng phone.

Nakakatawa ang mga taong last minute humahabol. Siguro culture na ng pinoy na mahilig humabol. E Filipino time diba?


Sir mjtfernandez nakalimutan mo ata nasagot ang tanong ko sir

Thanks

Sir Tops pasensya na po. Eto po:

Sa amin level term for 15 years lang ang pinakamahaba. We also have yearly renewable term and a term insurance until age 65.

                                             33 y.o.  (P1M)        55 y.o. (P1M)
Yearly Renewable Term             3,380                   9,860
Level Term for 15 years            4,850                   20,600
Till Age 65                               6,980                    N/A

Coverage is any cause of death unless self-inflicted (Two year contestability applies).

Pasenxa na po ulit sir tops kung ngayun ko lang na reply.


puberer

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Reply #14 on: Oct 24, 2010, 08:38 PM
ang alam ko po ay may insurance na ang mga OFW sa company na pinag tatrabahuan nila.  Sa company ng father ko sa saudi, naka insured lahat ng employee.  Php 3 million ang accident/death insurance nila.  Last year may tauhan ang father ko na nagbakasyon sa pinas for one month at dito sa pinas na diagnose na may sakit siya at may taning na ang buhay.  bumalik pa siya sa saudi and after 9 months dun na siya namatay.  automatic may 3 million na matatanggap yung family niya sa pinas and at the same time, meron pa makukuha na benefit sa company nila. 

mas pinili nalang nung tauhan ng father ko na mamatay sa ibang bansa kaysa dito sa pinas.  kasi pag dito sa pinas, di niya ma avail ang company insurance nila, pero pag nasa saudi siya pag dun siya mamatay, sure siya na may maiiwan siyang malaking pera para sa family niya. 

di ko lang sure kung mas malaki ang makukuha ng OFW sa kanilang company.  pero kung ganito lang na may insurance ka na sa company, hindi mo na need pang kumuha ng another insurance.  tama sila, madaling maghulog pero pag kukunin mo na ang pera mo, aabutin ka ng siyam siyam. 


 


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    Mar 04, 2019, 06:24 PM
  • jefsanity: anu ang small business na yan?
    Feb 28, 2019, 07:40 PM
  • perlymelad: Good Day Everyone
    Feb 28, 2019, 03:31 PM
  • perlymelad: Hello everyone, CAN ANYONE HELP ME SUGGEST ANY SIDE TOPIC  / PROBLEM OF  STARTING SMALL BUSINESS?
    Feb 28, 2019, 06:58 AM
  • perlymelad: Present, 1st time po
    Feb 25, 2019, 06:17 PM
  • jd2281: newbie po
    Feb 25, 2019, 12:26 PM
  • ejllantino: present... 1st time
    Feb 24, 2019, 07:14 PM
  • rheiel: present. first time
    Feb 24, 2019, 11:04 AM
  • MELVIE: thanks po
    Feb 24, 2019, 12:50 AM
  • steph123: hello po, ask lang po, ilang months po ba ang hihintayin after mo ma process ang mga documents para maitama ang mali sa NSO?
    Feb 11, 2019, 03:13 PM
  • Deborah: newbie here.thanks
    Feb 08, 2019, 02:17 PM
  • marj0503: hello im newbie here
    Jan 31, 2019, 10:53 AM
  • yan24: any one here planning to start a tesda skill training center
    Jan 26, 2019, 12:07 PM
  • manzjon: Forex trading forum
    Jan 25, 2019, 02:16 PM
  • Lizette Ramos: Pwede po bang patulong... Maganda po ba ang gasul retailing business?
    Jan 24, 2019, 09:14 PM
  • Imnobody: Hi sino naghahanap ng casino financer dito?
    Jan 16, 2019, 09:59 PM
  • Odlanyer22: Good day!
    Jan 16, 2019, 09:55 PM
  • maryen: at kung sakaling may somobra sa food na nailuto.. dapat po bang bayaran ng client un .. or ipapa take mo na sakanila?...
    Jan 16, 2019, 03:52 PM
  • maryen: HI! GOOD DAY! newbiz lang po... question lang po regarding sa catering.. if may 50pax po ako dapat lang po ba na sakto ang serving ng food?
    Jan 16, 2019, 03:50 PM
  • mark_Lee: cno na nag organico dito scam po ba yun or legit
    Jan 09, 2019, 03:04 AM
  • kuray08: Have a Prosperous New Year to all..
    Jan 06, 2019, 09:27 PM
  • ethan: Sino po may auto supply business dito? How profitable po ba ito in terms of monthly income? Lalo na kung meron na one or two na competition.
    Jan 04, 2019, 11:34 AM
  • Niel Jhacoubs: HAPPY NEW YEAR!
    Jan 02, 2019, 04:37 PM