Good news sa mga kapwa nating nagigipit sa budget: yes, you can apply for a new Multi-Purpose Loan (MPL) even if you still have an existing MPL, calamity loan, or even a housing loan. Hindi mo kailangang bayaran muna ang … Continue reading
If you’ve ever been approached by an insurance agent who said, “Sir, ma’am, this is an investment with life insurance in one!” — run. Because chances are, they were trying to sell you a VUL (Variable Universal Life insurance) policy. … Continue reading
Yes, SSS allows you to renew your Salary Loan even if your current loan isn’t fully paid yet. However, there’s one key requirement: You must have already paid at least 50% of the original principal amount of your existing loan. … Continue reading
Updated: August 2025 – Good news! The Social Security System (SSS) has officially opened its Calamity Loan Program (CLP) for members in areas declared under a state of calamity. And it gets even better—SSS recently improved its calamity loan guidelines … Continue reading
What is RTB31? RTB31 is the 31st tranche of the Retail Treasury Bonds (RTBs) issued by the Philippine government through the Bureau of the Treasury (BTr). These are low-risk investments backed by the government, perfect for conservative investors looking for … Continue reading
Planning to invest in RTB32? Use 6.875% and 2.5 years in the calculator below, or read the RTB32 guide first. Retail Treasury Bonds (RTBs) are one of the easiest and safest investments you can make in the Philippines. But if … Continue reading
As of now (August 4, 2025), Bitcoin is trading around $113,000, with a recent high near $122,000. Institutional demand, regulatory clarity, and ETF inflows have boosted confidence—but the crypto market remains volatile Let’s take a look at what might happen … Continue reading
If you’ve recently logged in to your SSS online account and tried to apply for a Calamity Loan, you might have seen this frustrating message: “This service is unavailable.” Don’t worry, you’re not alone. Many members are currently experiencing this … Continue reading
If you’re looking for a low-risk, government-backed way to grow your money, you’ve probably heard of Pag‑IBIG MP2 and SSS WISP Plus. But which one fits your goals and budget better? Let’s break them down in simple terms para mas … Continue reading
What is Pag-IBIG MP2? Pag-IBIG MP2 or Modified Pag-IBIG II is a voluntary savings program for members who want to grow their money with higher dividends than the regular Pag-IBIG fund. It’s backed by the government, making it one of … Continue reading