What Documents are Needed When Getting a Condominium (Condo)

LOCALLY EMPLOYED

Standard Documents:
At Least Two (2) Valid IDs – Government Issued
Birth Certificate – if Single
Marriage Certificate – if Married
Certificate of No Marriage (CENOMAR) – if Single with Dependent
Finality of Annulment or Divorce Papers – if Separated
Latest Proof of Billing – Philippine Address
 
Income Documents:
Certificate of Employment with Compensation (COEC)
Latest Income Tax Return (ITR)
Three (3) Months’ Payslips
Six (6) Months Bank Statements – if Salary is via Voucher

OFW

Standard Documents:
At Least Two (2) Valid IDs – Government Issued
Birth Certificate – if Single
Marriage Certificate – if Married
Certificate of No Marriage (CENOMAR) – if Single with Dependent
Finality of Annulment or Divorce Papers – if Separated
Latest Proof of Billing – Philippine Address
SPA Form – Notarized or Consularized
Income Documents:
Certificate of Employment with Compensation (COEC)
Note: If Seaman, COEC with POEA Stamp
Three (3) Months’ Payslips
Six (6) Months Bank Statements or Proof of Remittances

SELF EMPLOYED

Standard Documents

At Least Two (2) Valid IDs – Government Issued
Birth Certificate – if Single
Marriage Certificate – if Married
Certificate of No Marriage (CENOMAR) – if Single with Dependent
Finality of Annulment or Divorce Papers – if Separated
Latest Proof of Billing – Philippine Address
Income Documents:
Business Permits and Registration
* DTI Permit, Mayor’s Permit, etc.
Latest Two (2) Years Income Tax Return (ITR)
Latest Two (2) Years Audited Financial Statements (AFS)
Latest Six (6) Months Bank Statements
List of Major Customers and Suppliers – at Least Three (3)
Company Profile and picture
Additional Documents for Corporation:
Security and Exchange Commission Certificate (SEC CERT)
Secretary’s Certificate
Additional Documents for Incorporation:
Articles of Incorporation
Secretary’s Certificate
By Laws
General Information Sheet

Kaiser Long Term Health Care Explained (Video)

We would like to share with you the Kaiser Long Term Health Care, in this video you will hear the advantages of having long-term health care in addition to your short-term health care provided by your company. If you need a quotation please respond via this link – https://86613me.imgcorp.com/quote/kaiser and we will be happy to send the quotation and calculation, you may choose either monthly, quarterly, semi-annually or yearly payment.

Bitcoin Goes Up

It is not normal to see Bitcoin increases 17.37% in just 24 hrs. Currently Bitcoin is trading at 9,229.93. It is also unusual at the time of crisis that it is moving. Maybe this is due to the fact that people is now looking for ways to become cashless. There are also some news which says that it is due to the Federal Reserve pledged to keep pumping new money into markets and government data showed the economy sliding into recession .

It is going to be in a recession? Bitcoins return on Year – to Date is already 20% which means if you invest last Jan 1, 2020 your money has already increase with 20%.

Study and make sure that you will not gamble in which you will just close your eyes and start buying Bitcoin. You need to learn first and know what is the RISK of Bitcoin

JFC @ It’s Low Same Last 2016

JFC is one of the favorite company to invest on. Today their price is equivalent to its price last December 2016. So if You have invested in JFC (Jollibee Food Corporation) on that time , your money did not earn at all. Recent acquisition of other company is not favorable to JFC. But I believe this stock will be able to recover soon.

COLFinancial is maintaining it’s HOLD rating on this stock, but If I have a liquid asset today, I think I will have to buy this stock, because I know this company has a really good potential to go up.

This is just my opinion, it’s up to you to decide.

How Politics Can Affect Prices of the Stock Market

Recently water concessionaire is under fire from the Mr. President, citing some onerous provision in the agreement which was studied by the department of justice. Upon the public announcement of the president that he will puss through in persecuting those who are involve in this onerous agreement, all stocks directly connected to the water concessionaire falls downs. It doesn’t matter if the stocks has a good fundamental or even following a certain technical analysis. It all goes own in “Sell on News”. It’s all about politics, when you are in stock market, you need to be aware of what is going on in the government. It will determine the price movements of the stocks.

Before the year end, The president says something against the water concessionaire that the government doesn’t want to negotiate. Today, when the market opens, MWC falls down with a low of 7.62 from its closing of 10.36 last trading day. 26.44% down from the closing date of the last trading day. Before the trading breaks at noon, it closes at 8.87 which is about 16.41% higher from the bottom.

As of January 2, 2020 – 1:00 PM

Stock market is risky, but by studying your moves and managing your risk, you will be able to gain with this kind of trades.

If you want to be involve in this kind of stock, you need to be updated with what is being mentioned in the news. It might give you a very high gain or vice versa very high loss.

Investing is Not Easy, But Definitely Rewarding

invest-2Who says that investing is easy? For me it is not, it involves self discipline and goal setting. Imagine choosing to invest your hard earned money in replacement of having fame in your office by owning a new gadget that worth thousands of pesos. I was a spender for almost 10 years before I learn investing, and I could say that it is not easy changing paths going to Financial secure life.

It was easy to spend and use my credit card and spend on my “wants” rather than stopping my craving with new gadget in town. After learning about financial literacy by joining different Facebook groups and talking to mentors as well as reading books about finance, it made me realize that even investing is hard at first, time will come that it will be your life style. In addition it feels good to know that at least you are expecting something for your future.

I said it’s rewarding because time will come, you will harvest the fruits of your hardship in investing. Time will come that you can meet your goals and objective in investing.

Imagine being financially secured when you get old, you can do whatever you want like doing your ministry for the Lord or even travelling all over the world.

It is better to suffer for a while and gain in the future.

Here are 10 things I regret in doing for the past 10 years before i become an investor.

  1. I did not bother paying my SSS
  2. I did not even save or open a mutual fund account while blogging earning is good.
  3. I did not put 20% of my income to any investing vehicle.
  4. I did not read books during my spare time.
  5. I did not talk to people who knows about investing.
  6. I perceived insurance as not important because I am young.
  7. Investing to educational funds which I did not learn first  and ended me paying for nothing due to bankruptcy.
  8. Not investing in Training and seminars.
  9. Procrastination
  10. Believing that every financial adviser only wants my money.

Some of the items as mentioned above might be what you are doing now, I suggest learn from my mistake and start learning before investing. Good day.

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