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Estate Tax is a tax on the right of the deceased person to transmit his/her estate to his/her lawful heirs and beneficiaries at the time of death and on certain transfers, which are made by law as...

If you have a family then Life Insurance is a MUST! People can always say that it is unnecessary and a waste of money but you'll never now... accidents and sickness strike anytime. Another problem...

Official Receipts from auto debit payments are sent directly to the branch where your agent belongs then it is his/her obligation to deliver those to you & your wife. It's too obvious that your...

You & your wife have the right to change him/her as your agent. Just make a formal letter of request to change agent with the company and state your reason and submit it to the business office at...

Is your wife's agent still with the company? If yes, then kindly have you wife tell him/her to change the mode of payment if you are not comfortable with the auto debit. It can always be amended,...

2 of my trusted money changers in Cebu... Sanry @ Ayala Center Cebu, across Persian Palate and Alco @ Raintree Mall. Both deals with different currencies and very good exchange rate (buying &...

Alco @ Raintree Mall. Reliable and gives very competitive buy and sell rates of any currency.

ashley85, the premium would depend on what's on your plan and your parent's age would be a factor. anyways, sent you a pm.

If trust is an issue, it's about time you and your mom change your bookkeeper.

Indeed, @sedated33 is right. Products of Life Insurance companies are more or less the same. The deciding factor will be the Financial Consultant/Agent. You should get someone who will be there...

First of all, hats off to you @CAPTAIN NAUTILUS. I seldom see these kind of good gesture nowadays. Family will always be family. God Bless you!

On the financial side, it's never too late to...

Maam SuperStar, thanks for the info. What I commented on the previous post was the current charges so to update our fellow ka istoryans. No disrespect to you Sir dhemps. Peace and God Bless...

Sir @dhemps, I'm a Financial Consultant of Pru Life UK and have handled some PIA and Pru Millionaire cases under my clients' portfolio. Anyways, what I mentioned above are the current initial and...

@cebu.opportunities, Initial charge for the new upgraded version of the PIA Plus is 3% while the Pru Millionaire is 0.5%. Surrender charges are charged only when the client withdraws partially or...

Both Products, the Prulink Investor Account Plus (PIA Plus) and the Pru Millionaire, have surrender charges if withdrawals are made on the 1st year - 5%, 2nd year - 4%, 3rd year - 3%, 4th year - 2%...

It would be better if you sit down and talk to a Financial Consultant so he/she can assess what are your needs then give you the product that would suit you. @nEwBoRn

Well said Simplewish

@cebu.opportunities - If the life insured dies and the beneficiaries (both primary and secondary) are set as IRREVOCABLE then there's no need for them to pay estate tax. If it's set as REVOCABLE,...

GLOBE TELECOM... Platinum Member here but still their service suck BIGTIME! What more for clients that have lower monthly bill. Just take a look at every Globe Store, queue seems to be like...

I've been following this thread for quite sometime and learned a lot from the different opinions of Financial Consultants from different companies. My point of view is that life insurance in...

Banks give you 0.25% interest for your investment and kuhaan pana ug tax. Hinay ang tubo sa imong kwarta if you go for the basic time deposit.

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Banks give you 0.25%...

You may also consider Pru Life UK. Requirement to maintain active status is also 1 sale in 6 months but why bother to make 1 when you can maximize your sale potential. If you are interested, I'm a...

op2nd, your inbox is full. pm you once it has space. thank you.

darbz15, daghang salamat. nabuang nako paminaw sa sound everytime mu text akong anak using his zenfone 6.

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murag ga gamit ug typewriter, hahaha! thanks again.

Hi guys. How do you turn off keyboard sound of zenfone 6 when typing? Thanks!

Trusted Seller. Just bought recently one of the above-mentioned special number.

Thank you for the reply everyone. Found already a creative artist that will make it.

It's for a new business concept that I'm planning to open. I'm currently looking for an individual/company that will make/design the logo.

Can anyone here recommend a company or individual that can make creative company logos? I'm currently looking for one. Thank you :)

Try the Downtown area mainly Plaridel Street... there's a lot there.