𝗧𝗲𝗮𝗺 𝗧𝗶𝗽𝗶𝗱 : 𝗜𝗻𝘃𝗲𝘀𝘁 𝗮𝗻𝗱 𝗚𝗿𝗼𝘄

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UPDATED LIST (as of 31 October 2023)

Banks and e-money issuers with waived PESONet and InstaPay fees.

20 Books To Master 5 Skills 📖📕

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One foot in front of the other.

10 lessons from the book The Art of War by Sun Tzu:

1. Know yourself and your enemy. If you know yourself and your enemy, you need not fear the result of a hundred battles. If you only know yourself, but not your enemy, for every victory gained you also will also suffer a defeat. If you know neither yourself nor your enemy, you will succumb in every battle.

2. Plan your battles carefully. No battle is ever won by chance. The best way to ensure victory is to have a well-thought-out plan. This means considering all of the factors involved, such as the terrain, the weather, and the enemy's strength and weaknesses.

3. Be flexible and adaptable. Things don't always go according to plan, so it's important to be able to adapt your strategy as needed. Don't be afraid to change your plans if necessary.

4. Use deception to your advantage. Deception is a powerful tool that can be used to confuse and demoralize the enemy. It can also be used to lure the enemy into a trap.

5. Attack the enemy's weaknesses. Don't try to attack the enemy's strengths. Instead, focus on attacking their weaknesses. This will give you the best chance of winning the battle.

6. Use your element to your advantage. If you are fighting in a place where you are more comfortable and familiar than the enemy, you will have a significant advantage.

7. Don't be afraid to retreat. Sometimes the best way to win a battle is to retreat. If you are losing, don't be afraid to pull back and regroup.

8. Discipline is essential. A well-disciplined army is more likely to win than an undisciplined army. Make sure that your soldiers are well-trained and that they follow your orders.

9. Lead by example. The best leaders are those who lead by example. If you want your soldiers to fight hard, you must also be willing to fight hard.

10. Be victorious in peace. The best way to win a war is to avoid fighting it in the first place. If you can achieve your goals through diplomacy or other means, you should do so.

Sun Tzu's The Art of War is a classic book on military strategy, but its lessons can be applied to many other areas of life, such as business, sports, and personal relationships. It is a book that can teach you how to think strategically, win battles, and achieve your goals.

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ADVICE TO ALL EMPLOYEES

1. Build a home earlier. Be it rural home or urban home. Building a house at 50 is not an achievement. Don't get used to government houses. This comfort is so dangerous. Let all your family have good time in your house.

2. Go home. Don't stick at work all the year. You are not the pillar of your department. If you drop dead today, you will be replaced immediately and operations will continue. Make your family a priority.

3. Don't chase promotions. Master your skills and be excellent at what you do. If they want to promote you, that's fine if they don't, stay positive to your personal.
development.

4. Avoid office or work gossip. Avoid things that tarnish your name or reputation. Don't join the bandwagon that backbites your bosses and colleagues. Stay away from negative gatherings that have only people as their agenda.

5. Don't ever compete with your bosses. You will burn your fingers. Don't compete with your colleagues, you will fry your brain.

6. Ensure you have a side business. Your salary will not sustain your needs in the long run.

7. Save some money. Let it be deducted automatically from your payslip.

8. Borrow a loan to invest in a business or to change a situation not to buy luxury. Buy luxury from your profit.

9. Keep your life,marriage and family private. Let them stay away from your work. This is very important.

10. Be loyal to yourself and believe in your work. Hanging around your boss will alienate you from your colleagues and your boss may finally dump you when he leaves.

11. Retire early. The best way to plan for your exit was when you received the employment letter. The other best time is today. By 40 to 50 be out.

12. Join work welfare and be an active member always. It will help you a lot when any eventuality occurs.

13.Take leave days utilize them by developing yr future home or projects..usually what you do during yr leave days is a reflection of how you'll live after retirement..If it means you spend it all holding a remote control watching series on Zee world, expect nothing different after retirement.

14. Start a project whilst still serving or working. Let your project run whilst at work and if it doesn't do well, start another one till it's running viably. When your project is viably running then retire to manage your business. Most people or pensioners fail in life because they retire to start a project instead of retiring to run a project.

15. Pension money is not for starting a project or buy a stand or build a house but it's money for your upkeep or to maintain yourself in good health. Pension money is not for paying school fees or marrying a young wife but to look after yourself.

16. Always remember, when you retire never be a case study for living a miserable life after retirement but be a role model for colleagues to think of retiring too.

17. Don't retire just because you are finished or you are now a burden to the company and just wait for your day to die. Retire young or whilst energetic to enjoy waking up for a cup of coffee, enjoy the sun, receive money from your business, visit nice place that you missed and spend good time with family. Those who retire late, spend about 95% of their time at work than with their family and that's why they see it difficult to spend time with their family when they retire but end looking for another job till they die. If they don't get another job, they die early.

18. Retire at your house than at government accommodation so that when you retire you can easily fit into the society that raised you. It's not easy to adjust to live in a location after spending more years at company house or at government house.

19. Never let your employment benefits make you forget about your retirement. Employment benefits are just meant to make you relax, get finished whilst time is moving. Remember when you retire no one will call you boss if you don't have a viable business.

20. Don't hate to retire because one day you will retire either voluntarily or involuntarily.

Hope this will help you look at life positively

📸Millionaire Secrets
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Money 💸💰

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FILIPINOS typical mindset.

Let's educate more people Financially 💪🏻

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I remember this duplex apartment and being unable to make the $275/month payment on time at 23 years of age. I share this with you to remind you no matter where you are today, no matter how bad it is or how bad it gets, you must REFUSE to quit on your dreams.

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Before ka magpautang, please read this 👇

True that 💪

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Kaya pa ba, self?

HOW TO BECOME A SUCCESSFUL FARMER:

1. Patience
As a farmer you have to learn how to be patient because raising crops or life stock takes time. Plus, it might not always turn out the way you expect. Farming comes with lots of unexpected circumstances, like pest infestations and disease outbreaks, market glut. Slow or unexpected results shouldn't frustrate a farmer set on being successful. Instead, take it in stride and plan for how to get it right next time.

2. Develop a Student Mentality
Approach the industry with a student mentality. You have to be willing and able to adapt to new technology, environments, and methods. Curiosity comes hand in hand with a student mentality, and as a farmer you need lots of it to find success.

3. Knowledge and Skills
Knowledge and skills pair nicely together. In addition to learning new things, you need to be knowledgeable in every aspect of your farm. This includes close familiarity with every crop, finding out what works best for the farm, and how it operates.

4. Be a Problem Solver
As a farmer you need to be a problem solver. A successful farmer knows how to deal with issues on all fronts of the business. You need to be able to identify and solve problems in order of significance.

5. Be Organized
As a business owner you have to keep track of a lot of factors, to keep your business running. To become successful you have to be organized, staying on top of your daily tasks, and remember a lot of farming is driven by time, product, and labour management.

6. Be Good with Numbers
When it comes to facts and figures, the farmer has to know what to do with them. Numbers play a bigger role in farming and most farmers don't know. As a farmer you need to have financial skills, in order to track inventory, budget, and analyse profits, among others. Being bad with numbers can lead to miscalculations when it comes to plant growth.

7. Be a Good Salesman
To get where you want to be your business needs to make sales. In order to keep your farm afloat, you have to make a profit. Doing so requires customers. You need to be able to communicate effectively in order to network, market, and sell produce.

Author unknown
Credit to Meglee Farms
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GOOD TO KNOW - KNOWLEDGE 101‼️

🔸️LAND TITLE VS TAX DECLARATION 🔸️

The Difference between the Certificate of Title versus Tax Declaration in the Philippines

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CERTIFICATE OF TITLE
1. A document evidencing a right of ownership to a property
2. A document that attest to the fact that the person named is the owner of the property described therein subject to liens and encumbrances noted on it
3. It is registered with the Register of Deeds of the province or city where the land is located
4.The Certificate of Title is indefeasible and imprescriptible
5. All claims to the land are quieted upon issuance of this document
6. Recorded with the Register of Deeds of the municipality, city, or province where the land is located.

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TAX DECLARATION
1. A document that show good sign of possession only in the concept of owner, not ownership
2. Not conclusive evidence of ownership to property, but only a proof of payment of realty taxes
3. Recorded with the Assessor’s Office of every municipality or city where the land is located

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Ang pagmamay-ari ng lupa ay napapatunayan sa pamamagitan na hawak na titulo na kung tawagin ay ang Transfer Certificate of Title (TCT) o Condominium Certificate of Title (CCT). Ayon sa maraming Supreme Court decisions “the best proof of ownership of a piece of land is the Certificate of Title” (Halili vs. Court of Industrial Relations, 257 SCRA 174 [1996]). Ito ang tinatawag na titulo ng lupa at wala nang iba pa.

Ang "tax declaration ay hindi titulo ng lupa. Maraming Supreme Court decision din ang nagsasabi na "Tax declarations and receipts are not conclusive evidence of ownership. At most, they constitute mere prima facie proof of ownership of the property for which taxes have been paid. In the absence of actual, public and adverse possession, the declaration of the land for tax purposes does not prove ownership." Ibig sabihin nito na ang tax declaration ay hindi siguradong ebidensiya ng pagmamay-ari ng lupa. While tax declarations and receipts are not conclusive evidence of ownership and do not prove title to the land.
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Ang tax declaration ay pwedeng i-apply para maging titulo. May dalawang pamamaraan ng pagpaparehistro ng lupa, ito ay ang sumusunod:

1. Judicial Proceeding – kung saan kinakailangan ninyong magfile ng petisyon para sa registration sa korte.

2. Administrative Proceeding –ito ay pamamaraan kung saan mag-file ng application para sa “Homestead Patent” sa DENR at ang registration ng patent na ito ang magiging batayan para sa pag-isyu ng Original Certificate of Title alinsunod sa Commonwealth Act 141 o ang “THE PUBLIC LAND ACT”.

📸© ᴄʀᴇᴅɪᴛꜱ ᴛᴏ ᴛʜᴇ ʀɪɢʜᴛꜰᴜʟ ᴏᴡɴᴇʀ

totally makes sense! 🫣👌🏻

BDO Join 👍👌🏻

BREAKING: "First, they ignore you, then they join you!" https://bit.ly/bdo-cbdc-pilot

🚀 BDO Unibank, the country's largest bank, has joined a pilot study to explore the use of stablecoins - CBDCs - for cross border payments.



Thanks to Rickie Sebastian Sanchez for the news tip!

Being frugal isn't about buying cheap; it's about being spending intentionally and being less wasteful. Self-made millionaire and passive income expert Jonathan Sanchez reveals what he refuses to spend his money and time on.

39-year-old 'frugal' self-made millionaire: 5 things I refuse to spend my money and time on