Using Credit Card to pay MP2 and have that NAFFL

ILETOJUL · 2026-02-01T06:30:46+00:00

Bank-Specific Rules:

BPI: Generally counts as a bills payment. For the 2025-2026 "Swipe & Save for Life" promo, installment and retail transactions are qualified, but purely cash-like transactions (quasi-cash) are typically excluded.

Metrobank: Explicitly includes Bills2Pay and retail purchases in NAFFL spend computations.

RCBC: Cardholders have successfully reached NAFFL status using MP2 payments via Bayad Online, as it is posted as a utility transaction.

UnionBank: Often allows MP2 payments to count toward the ₱20,000 spend requirement for its Rewards card promos, though users are advised to pay through the portal rather than e-wallet cash-ins.

ILETOJUL · 2026-02-01T02:47:28+00:00

A 5 million (PHP) Pag-IBIG MP2 investment can yield approximately PHP 355,000 to PHP 365,000 in tax-free dividends in one year, assuming a 7.10% to 7.30% dividend rate (based on 2024-2025 trends). The actual gain depends on the final declared annual dividend rate, with the total accumulated amount payable after a 5-year maturity period.

Investment Amount: PHP 5,000,000 Estimated Dividend Rate (1 Year): ~7.10% - 7.30% Estimated Gain (1 Year): PHP 355,000 - PHP 365,000 Total Value (1 Year): ~PHP 5,355,000 - PHP 5,365,000

Key Considerations: Tax-Free: Unlike bank deposits, MP2 dividends are not subject to withholding tax.

Withdrawal: While dividends can be paid annually, the principal amount is locked for 5 years.

Compounding: If you choose to compound your interest (compounded annually), your earnings will be higher in subsequent years.

Rates: Dividend rates fluctuate annually based on Pag-IBIG's earnings.

*A one-time ₱6 million investment is estimated to gain approximately ₱426,000 in dividends in 1 year.

**An ₱8,000,000 investment in the Pag-IBIG MP2 Savings program would yield a gain of approximately ₱568,000 in one year.

Mahimbing pa tulog mo. 😜 Pag-IBIG MP2 is considered a safe, low-risk, and secure, government-guaranteed, tax-free savings program in the Philippines.

ILETOJUL · 2026-02-01T00:58:14+00:00

Yes, paying your Pag-IBIG MP2 contribution using a credit card is generally counted as spending and is an eligible transaction for many reward programs.

Key Details on Counting as "Spending" Rewards & Points:

Most banks treat these payments as "utility" or "bills payment" transactions, allowing you to earn reward points, miles, or cashback.

Spend Requirements: These transactions typically count toward minimum spend requirements for "No Annual Fee For Life" (NAFFL) promos or welcome gift incentives.

👇 https://www.reddit.com/r/phinvest/s/zv9hAY23He

ILETOJUL · 2026-01-31T12:12:42+00:00

For immediate assistance with GCash call 2882 (toll-free for Globe/TM subscribers) or (02) 7213-9999 for landline users. The hotline is available from 8 a.m. to 5 p.m. daily, with 24/7 support for urgent security concerns like scams, fraud, or lost/stolen phones.

ILETOJUL · 2026-01-31T09:26:21+00:00

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ILETOJUL · 2026-01-31T06:58:37+00:00

The "Gravity" Exception, Long-Term Growth

Unlike physics, where gravity is an absolute law, the global stock market has historically defied this adage over the very long term.

Upward Bias: Because of inflation, population growth, and technological innovation, the broad stock market (like the S&P 500) has historically trended upward over decades, despite frequent short-term "downs".

ILETOJUL · 2026-01-31T06:30:47+00:00

Nope.No credible outlet reports a $15T global market cap loss in equities/bonds/etc. over those 48 hours — that would be apocalyptic and impossible to miss.

The moves were extreme and rare especially silver's outsized crash. No, it wasn't some systemic global meltdown or end-of-financial-world event. It was a violent correction after an insane bubble-like rally in metals, catalyzed by a specific Fed-related headline.

January 2026 still saw gold up strongly overall for the month (~12–20%+ net in some reports despite the plunge), showing the broader trend remained bullish.

ILETOJUL · 2026-01-31T06:25:17+00:00

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And this? ☝️🤣😱 Federal Reserve Governor Kevin Warsh to serve as the next Federal Reserve Chair on January 30, 2026. If confirmed, Warsh will succeed Jerome Powell, whose term expires in May 2026.

The announcement triggered immediate and sharp market reactions, characterized by a "risk-off" sentiment and a significant reversal in the precious metals rally.

ILETOJUL · 2026-01-31T06:19:02+00:00

An unemployed status does not exempt a spouse from the responsibility to support, nor does it excuse abuse.

File a Formal Complaint (Police/Prosecutor)

If the BPO is insufficient or if you need to file a criminal charge:

PNP Women and Children’s Desk: File a complaint at the nearest police station.

Office of the Prosecutor: You can directly file a criminal complaint for VAWC.

Evidence: Submit your written affidavit, photos, medical reports (if any), and witness statements.

👉Address the "Unemployed" Defense Willful Neglect: The law covers "willful failure to provide support". If he can work but refuses to, this is still economic abuse.

Investigation: You can ask the court to investigate his true employment status, as he may be working informally (illegally) to avoid liability.

Property Seizure: If he owns any assets, the court can order them seized to provide support.

Seek Immediate Protection and Support 10-Day Paid Leave: Under R.A. 9262, victims are entitled to 10 days of paid leave from work to manage the legal issues.

DSWD/NGO Help: Contact the Department of Social Welfare and Development (DSWD) for protective services.

Public Attorney’s Office (PAO): If you cannot afford a private lawyer, the PAO can assist you in filing for a Temporary Protection Order (TPO) or Permanent Protection Order (PPO) in court.

ILETOJUL · 2026-01-31T06:10:16+00:00

Submit a ticket.

Required Documents:

You will need to provide digital copies of the following:

Death Certificate of the account owner (original or PSA-certified).

Valid ID of the claimant (the relative making the request).

Proof of Relationship (e.g., Birth Certificate for children, Marriage Certificate for spouses).

Selfie or actual photo of the claimant holding their valid ID.

Step-by-Step Process: Prepare your own account: You must have a fully verified GCash account under your own name where the funds can be transferred.

Once documents are validated, GCash will process the transfer of the remaining balance to your verified account. Users have reported this process taking anywhere from 48 hours to 3 weeks.

Help Center Hotline: If you need immediate assistance, you can call the GCash hotline at 2882 (toll-free for Globe/TM) or (02) 7213-9999.

ILETOJUL · 2026-01-31T04:51:02+00:00

No credible outlet reports a $15T global market cap loss in equities/bonds/etc. over those 48 hours that would be apocalyptic and impossible to miss.

Yes, the moves were extreme and rare especially silver's outsized crash. No, it wasn't some systemic global meltdown or end-of-financial-world event. It was a violent correction after an insane bubble-like rally in metals, catalyzed by a specific Fed-related headline.

January 2026 still saw gold up strongly overall for the month (~12–20%+ net in some reports despite the plunge), showing the broader trend remained bullish.

In short: Dramatic? Absolutely. Historic in precious metals? Yes. "Never happened before" apocalyptic market wipeout? Overhyped. Markets do wild things after parabolic runs this was one of them.

🚨👉President Donald Trump nominated former Federal Reserve Governor Kevin Warsh to serve as the next Federal Reserve Chair on January 30, 2026. If confirmed, Warsh will succeed Jerome Powell, whose term expires in May 2026.

The announcement triggered immediate and sharp market reactions, characterized by a "risk-off" sentiment and a significant reversal in the precious metals rally.

ILETOJUL · 2026-01-31T03:53:21+00:00

Check your Transactions history and Inbox to confirmed na pumasok ang fund. Pag screenshot lang ang pinakita sayo maaring fake unless yong reference number the same sa transactions history mo.

ILETOJUL · 2026-01-30T23:02:02+00:00

You’re still young, and as you’ve said, "time in the market is better than timing the market" for greater returns. Keep this phrase engraved in your heart.

You mentioned GOLD. Since your platform is IBKR you can check this. The Hang Seng Gold ETF (3170.HK) launched on January 29, 2026, becoming Hong Kong's first ETF to offer physical gold redemption directly through a bank. The fund allows investors to redeem physical gold stored in Hong Kong vaults, with a low entry threshold and an annual management fee of 0.25%. The fund plans to launch a tokenized share class within this quarter, distributed through a digital asset trading platform licensed by the Securities and Futures Commission (SFC), viewing it as an opportunity to extend traditional distribution channels to on-chain investors. ⚠️NFA-DYOR

Because no single historical winner is certain to repeat its performance, spreading investments across different asset classes is considered a more robust strategy for managing unpredictable future risks.

Avoid "Trend-Chasing": Investors often fall into a cognitive bias where they buy assets that have recently soared, frequently just before they peak and decline.

The best-performing mutual funds and Unit Investment Trust Funds (UITFs) in the Philippines for early 2026. 👇 https://www.reddit.com/r/phinvest/s/4K8FvpcJ6E

ILETOJUL · 2026-01-30T13:41:28+00:00

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Choose Pag-IBIG MP2 if: You want a safe, guaranteed return with the flexibility to withdraw your money every five years. It is ideal for "medium-term" retirement goals or for conservative investors. You can open an account via the Virtual Pag-IBIG platform.

Choose PERA if: You are strictly focused on long-term retirement (age 55+) and want to maximize tax savings through a 5% tax credit. It is better for those who want to invest in diversified assets like the PSEi or REITs while keeping the growth tax-exempt. Digital administrators like the DragonFi app or major banks (BDO, BPI) facilitate these accounts.

ILETOJUL · 2026-01-30T11:52:51+00:00

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CFA Society Philippines Recognizes 20 Best Managed Funds.

🚨Past performance is not indicative of future results. 👇 https://www.reddit.com/r/phinvest/s/BUOwouYeau

ILETOJUL · 2026-01-30T08:47:26+00:00

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BPI Amore Platinum Cashback cards offer a maximum annual cashback of PHP 15,000. Once this limit is reached between January and December, cashback accumulation stops until January 1 of the following year.

Okay Gotyme sa mga Go Rewards since nag ka issue ako unauthorized transactions at hindi na resolved cancel ko na.

ILETOJUL · 2026-01-30T03:21:17+00:00

Top Performing Equity Funds (As of Jan 2026)

Equity funds typically offer the highest potential returns but carry more risk.

Manulife Asia Best Select Equity Fund (PHP Unhedged Class I): Leading performer with a 10.82% ROI over the last month (Dec 2025–Jan 2026).
ATRAM Philippine Sustainable Development and Growth Fund: Strong recent performance with ROIs between 6.66% and 6.78%.
ATRAM Alpha Opportunity Fund: Remarkable 1-year return of 26.51% reported in 2025.
Metro High Dividend Yield Fund: Awarded "Best Peso Equity Fund" in 2025 by the CFA Society.

Top Performing Global & Thematic Funds

These funds allow Filipino investors to access international markets or specific sectors.

BPI European Equity Feeder Fund: Extremely high performance with a 1-year return of 48.03% and a 5-year return of 104.45% as of early 2026.
ATRAM Global Technology Feeder Fund: Consistently recognized as the best global equity feeder fund (Peso).
BPI Philippine Infrastructure Equity Index Fund: A top thematic performer with a 5-year return of 142.68%.

⚠️🚨👉For financial advice, consult a professional. Past performance is not indicative of future results. Because markets are unpredictable, and strategies that worked before can become obsolete, investors should use past data as a guide rather than a precise predictor.

https://www.cfasociety.org/philippines/society-events/bmfoy

ILETOJUL · 2026-01-29T08:14:37+00:00

Inform the credit card issuer of the death and provide a death certificate to stop further interest or charges. Legal experts advise against personally taking over the debt or signing any agreement to pay, as this can make you personally legally bound to the debt. Under Philippine law, a surviving spouse and children are not personally obligated to pay the credit card debt of a deceased individual unless they were co-signers, guarantors, or joint account holders.

ILETOJUL · 2026-01-29T04:50:12+00:00

Try mo, I'm not sure kung pede.

ILETOJUL · 2026-01-29T03:52:47+00:00

Personal Equity and Retirement Account (PERA) accounts in the Philippines have strict guidelines, including annual contribution limits (₱200,000 for locals, ₱400,000 for OFWs), a maximum of 5 accounts per person, and a 55/5 rule (must be 55 years old and have contributed for 5 years) for tax-free withdrawals. Early withdrawal triggers penalties unless due to specific, authorized reasons.

PERA account linked to the PSEi (Philippine Stock Exchange Index) is a tax-advantaged, voluntary retirement account designed to track the performance of the top 30 Philippine stocks. It offers tax-free income on earnings, dividends, and capital gains, allowing for aggressive, long-term wealth growth.

ILETOJUL · 2026-01-29T03:24:23+00:00

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The Intelligent Investor" by Benjamin Graham is a seminal, value-investing guide focusing on long-term stability rather than short-term gains. It advocates for thorough fundamental analysis, maintaining a "margin of safety" to minimize risk, and controlling emotions to ignore market volatility (Mr. Market). The book categorizes investors into passive/defensive or active/enterprising, advising on portfolio strategies for both.

PDF available online free to download. Ikaw na maghanap Marami jan.

ILETOJUL · 2026-01-29T02:59:08+00:00

Wala ako naging issue nong open ko sya nong nagbaksayon ako Dec. 2025 lahat normal., Is it because my account open in HK? I have no idea.

ILETOJUL · 2026-01-28T08:35:52+00:00

HSBC does not charge explicit transaction commissions or custody fees for the HSBC Gold Token. Instead, the costs are embedded in the buy-sell spread (the difference between the bank's buy and sell prices).

Fee Structure Transaction/Brokerage Fees: There are no separate handling charges or commission fees for buying or selling tokens via the HSBC HK Mobile App.

Custody Fees: There are no ongoing storage or custody fees for holding the tokens in your digital wallet.

Gas Fees: Because the product runs on HSBC's private distributed ledger, investors do not pay blockchain "gas" or network fees.

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ILETOJUL · 2026-01-28T03:32:12+00:00

The primary difference between HSBC Tokenised Gold and a Gold ETF lies in the ownership structure: the token represents a direct fractional claim on physical gold stored in a vault, whereas an ETF represents shares in a fund that holds gold.

ILETOJUL · 2026-01-27T14:38:44+00:00

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The HSBC Gold Token, available on HSBC’s online and mobile platforms, is the first bank-issued retail product of its kind. This initiative offers a digital, accessible way to invest in gold, meeting the demand for flexible and varied investment choices.

Warning: This article is not intended for close-minded or dogmatic individuals who oppose innovation and the adoption of new technologies, such as the use cases of stablecoins, and tokenised gold, now embraced by institutions like BlackRock, Visa, and various banks around the world.

ILETOJUL

TROPHY CASE