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@mynameisabby Thank you for this.

@mynameisabby Clarification on this one, isn't it covered by taxation of mutual funds? You are technically investing in fund setup by the local company who then does the investment into the forieng fund/ETF.

@lilbithmb Oh, hope that works :)

@lilbithmb Regrading today's post, looks like the link to the prospectus didn't carry over to the reddit post. Its there though on the email. :) Here's the link...

@anditsnotmybirthday Market rate wise, they are under par right now. Coupons are consistently paid though and so far, no news of defaulting on the bonds. Major concern though is that they already currently have 7 active bonds. This offering would bring that total to 10.

@anditsnotmybirthday Rates are gross right? So net rates would more or less be: Series H - 5.00% Series I - 5.44% Series J - 5.52% Rates for the 5 year tenor is better than the recent RTB, but lower than the Robinsons bank 5-year TD rate. There seems to be a couple of upcoming bond...

@lilbithmb If I remember recent years the subsidies on handsets are as competitive as back then. Globe, (I'm not sure with Smart) are offering "cash" subsidies as an alternative to handsets. You get more "allocatable" units if you don't get a handset with your plan. I would think impact to the...

@lilbithmb Always a great read. Specific to the nCov sector, depending on the length of the lockdown on China, companies that supply their merchandise or raw materials might also be affected. Globe numbers are good. Like in our conversation in the Dito thread, incumbents won't be giving up...

@resjudicata Done. I've created a wiki page. Current version is the table, pending is the fixing of the links and adding the items from the comments. Link to the page is: https://www.reddit.com/r/phinvest/wiki/ponzi Tagging /@excellentwife also

@esther_goldworth That might be a security risk though in terms of making the email addresses public.

@lilbithmb Congratulations MB! :) I can't believe its been a year since you started this. Wishing you more years to come.

@jesuspleasesaveme Your welcome.

@jesuspleasesaveme Focus on yourself for the mean time. Invest and prepare for your retirement and future. Insturance-wise, focus more on policies that provide health related benefits. Like /@juaner said, look for HMO/hospitalisation and critical illness plans. If your young, this might...

@spiritoforder Why not other instruments? Memorial plan for post death arrangements. Critical illness and health plans para di maka-perwisyo? For living benefits why not an actual investment vs life insurance. Wont you be able to provide for yourself better with a direct investment geared...

@spiritoforder Can I ask what would be the purpose of the life insurance if your not a bread winner and dont have any dependents?

@shorty1234 Good luck.

@shorty1234 Never really had to make a claim with any of the insurance companies, but here are my experiences. Generally it seems that your experience would greatly depend also on your insurance agent. AXA -- agent(s) was met through Metrobank. Agents rotated in a couple of years time. Family...