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Hello,

This is a blog about business, investments, and personal finance.

I created this site to share what I have learned in my research and experiments on how to reach financial freedom.

I am neither an accountant nor a finance analyst. I am just sharing my knowledge and experience here as I figure out how to be financially independent.

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How To Invest In Modified Pag-IBIG II (MP2) Fund

Pag-IBIG offers more than just housing loans. It's Modified Pag-IBIG II (MP2) Fund  is another tax-free, voluntary savings program offered by the Philippine-government to every existing Pag-IBIG I (P1) member. MP2 is different from P1 and Pag-IBIG Overseas Program (POP).  It's term is renewable every 5 years and it provides higher return of investment (ROI) than savings and time deposit accounts in banks. This conservative investment is a good addition to your portfolio if you are looking for more ways to make your money work for you. You've gotta beat inflation.
SSS Pension is not enough to cover your cost of living during your senior years. Take that lesson from your SSS pensioner elders. You wouldn't want to burden your descendants for your senior care needs, right? It would be helpful to include P1 and MP2 funds in your retirement fund plan. Your P1 and MP2 contributions can also be added to your income tax deductions. Now that's a reduction to your tax burden…

PNB Life's Milestone Protect 360 (Platinum) 2015 Quote

I will share with you below a quote I got for PNB Life Insurance Inc.'s Milestone Protect 360 (Platinum) last 2015.
Plan Info: Milestone Protect 360 (Platinum) - A health insurance product that provides complete protection against dread diseases, accident, and hospitalization.
This quote is for: Female, 27-30 yo, single, childless, no chronic disease
Attached Riders: No Riders
Years Payable: 33 years
Currency: Philippine Peso


Coverage TypeANNUAL PremiumSEMI ANNUAL PremiumQUARTERLY PremiumMILESTONE PROTECT 360 (PLATINUM):34,690.0018,212.259,539.75Total Annualized Premium34,690.0036,424.5038,159.00
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Benefit SummaryBenefit AmountMilestone 60 Benefit500,000.00Dread Disease Benefit1,500,000.00Accidental Death & Dismemberment or Loss of Use Benefit1,500,000.00Bereavement Assistance Benefit125,000.00Accidental Total and Permanent Disability Benefit1,500,000.00Accidental Medical Expense Reimbursement Benefit (Deductible: 500)125,000.00Daily…

PNB Life's 5-Pay Premier Life Peso 2015 Quote

I will share with you below a quote I got for PNB Life Insurance Inc.'s  5-Pay Premier Life Peso last 2015.
Plan Info: 5-Pay Premier Life Peso - A 5-pay participating whole life insurance plan. It is your premier choice in ensuring a premier life for your family's future.
This quote is for: Female, 27-30 yo, single, childless, no chronic disease
Attached Riders: Waiver of Premium Rider; Accidental Death and Dismemberment Rider
Years Payable: 5 years
Currency: Philippine Peso

Coverage TypeANNUAL PremiumBenefit AmountBasic Plan41,6001,000,000Waiver Rider144.8345,260Accident Rider3,6601,000,000Total Modal Premium45,404.83Total Annualized Premium45,404.83
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Premium ModeModal PremiumTOTAL Annualized PremiumAnnual45,404.8345,404.83Semi-Annual23,837.5447,675.08Quarterly12,486.3349,945.32

Maturity and Death BenefitsLiving BenefitsBenefit AmountGuaranteed Cash Value376,620.00Non-Guaranteed Cash Dividends Accumulated at 2.5% p.a27,611.00Total Livi…