SEXTUPLE TAX

4.10.2026 #onlinediary #TaxPH SEXTUPLE TAXATION in Pinas

 

cici, eto mema lang na me halong realtalk, kasi syempre hindi ka naman makapagreklamo.. kaya advise ko sa anak ko, wag na wag magbusiness sa Pinas.. magcorporate world ka nalang , yung tax mo sa sweldo lang, matic pa ipafile ng HR nyo..

 

talking about taxation, KAwawa talaga small business sa Pinas.. hindi lang doble taxation, prang quadruple or sextuple* taxation na ah..hahaha, ganito kasi yan...

 

EVERY TIME MAKABENTA KA;

1. matic babawasan ng 1% withholding tax yung sales mo na pinaghirapan mo , so matic kahit wala naman ambag, me 1% agad mga nakamaleta sa National Government sa pinaghirapan mo..

2. then every month, bayad ka ng 5% again sa withholding tax sa renta mo.. so me 5% na naman mga nakamaleta sa National gov..

3. then every quarter, magpafile ka pa ulet ng quarterly VAT.. kaya dapat isave mo yang mga mamahaling mong resibo ng gasolina..

4. Then pagdating every April, bayaran naman ng Annual ITR.. so bayad ka na naman... me 20% sa kinita mo yung mga nakamaleta..

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5. bukod pa yung bayad Tax sa municipal or city kung saan ka nagooperate na nasa 1-2% ke kumita ka or hindi.. pero tong tax sa LGU, is oks lang.. kasi me ambag naman yung LGU sa business mo, sino ba nagkokolek ng basura? sino ba nagmemaintain ng peace & order..

pero parang me mali no?

6. Kasi nagbbayad pa ka ng mga amilyar, tax sa bahay mo at syempre malaki rin yung real estate tax ng landlord mo kung saan naroon office mo..

tax to national level, tax to local level.. Bukod pa yung mga sangkatutak na penalties nila.. mga hype..

NASIRA NA ULO KO.. kakasubsidize sa lifestyle ng mga nakamaleta.. hahaha

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*sextuple= hindi to bastos, it means to become six times as big, or to multiply a number or amount by six:

Mateo 7:13 Pumasok kayo sa makipot - Magandang Balita Biblia

Mateo 7

Magandang Balita Biblia

Paghatol sa Kapwa

7 “Huwag kayong humatol, nang kayo'y di hatulan. ² Sapagkat hahatulan kayo ng Diyos ayon sa paghatol ninyo sa iba, at susukatin kayo ayon sa panukat na ginagamit ninyo sa iba. ³ Bakit mo pinapansin ang puwing sa mata ng iyong kapatid ngunit hindi mo pinapansin ang trosong nasa iyong mata? ⁴ Paano mong masasabi sa iyong kapatid, ‘Halika't aalisin ko ang puwing mo,’ gayong troso ang nasa mata mo? ⁵ Mapagkunwari! Alisin mo muna ang trosong nasa iyong mata at sa gayon, makakakita kang mabuti at maaalis mo ang puwing ng iyong kapatid.

⁶ “Huwag ninyong ibigay sa mga aso ang banal na bagay, baka pagkatapos ay kayo pa ang balingan at sakmalin nila. Huwag ninyong ihagis sa baboy ang inyong mga perlas sapagkat yuyurakan lamang nila ang mga iyon.”

Humingi, Humanap, Kumatok

⁷ “Humingi kayo at kayo'y bibigyan; humanap kayo at kayo'y makakatagpo; kumatok kayo at kayo'y pagbubuksan. ⁸ Sapagkat ang bawat humihingi ay tatanggap; ang bawat humahanap ay makakatagpo; at ang bawat kumakatok ay pagbubuksan. ⁹ Bibigyan ba ninyo ng bato ang inyong anak kapag siya'y humihingi ng tinapay? ¹⁰ Bibigyan ba ninyo siya ng ahas kapag siya'y humihingi ng isda? ¹¹ Kung kayong masasama ay marunong magbigay ng mabubuting bagay sa inyong mga anak, gaano pa kaya ang inyong Ama na nasa langit? Bibigyan niya ng mabubuting bagay ang sinumang humihingi sa kanya!

¹² “Gawin ninyo sa inyong kapwa ang nais ninyong gawin nila sa inyo. Ito ang buod ng Kautusan at ng mga isinulat ng mga propeta.”

Ang Makipot na Pintuan

¹³ “Pumasok kayo sa makipot na pintuan. Sapagkat maluwang ang pintuan at malapad ang daang papunta sa kapahamakan, at ito ang dinaraanan ng marami. ¹⁴ Ngunit makipot ang pintuan at makitid ang daang papunta sa buhay, at kakaunti ang nakakatagpo niyon.”

Sa Gawa Makikilala

¹⁵ “Mag-ingat kayo sa mga huwad na propeta. Lumalapit sila sa inyo na parang tupa, ngunit ang totoo'y mababangis na asong-gubat. ¹⁶ Makikilala ninyo sila sa kanilang mga gawa. Mapipitas ba ang ubas sa puno ng dawag, o ang igos sa matitinik na halaman? ¹⁷ Mabuti ang bunga ng mabuting puno, subalit masama ang bunga ng masamang puno. ¹⁸ Hindi maaaring mamunga ng masama ang mabuting puno at hindi maaaring mamunga ng mabuti ang masamang puno. ¹⁹ Ang bawat punong hindi mabuti ang bunga ay puputulin at itatapon sa apoy. ²⁰ Kaya't makikilala ninyo ang mga huwad na propeta sa pamamagitan ng kanilang mga gawa.”

Hindi Ko Kayo Kilala

²¹ “Hindi lahat ng tumatawag sa akin, ‘Panginoon, Panginoon,’ ay papasok sa kaharian ng langit, kundi ang mga taong sumusunod sa kalooban ng aking Ama na nasa langit. ²² Sa Araw ng Paghuhukom marami ang magsasabi sa akin, ‘Panginoon, hindi po ba't sa iyong pangalan ay nangaral kami, nagpalayas ng mga demonyo at gumawa ng mga himala?’ ²³ Ngunit sasabihin ko sa kanila, ‘Hindi ko kayo kilala. Lumayo kayo sa akin, kayong mga gumagawa ng kasamaan.’”

Sa Bato o sa Buhanginan?

²⁴ “Kaya't ang bawat nakikinig at nagsasagawa ng mga salita kong ito ay maitutulad sa isang taong matalino na nagtayo ng kanyang bahay na ang pundasyon ay bato. ²⁵ Umulan nang malakas, bumaha, at binayo ng malakas na hangin ang bahay na iyon, ngunit hindi nagiba sapagkat nakatayo iyon sa bato. ²⁶ Ang bawat nakikinig ng aking salita ngunit hindi naman nagsasagawa ng mga ito ay maitutulad naman sa isang taong hangal na nagtayo ng kanyang bahay sa buhanginan. ²⁷ Umulan nang malakas, bumaha at binayo ng malakas na hangin ang bahay. Ito ay bumagsak at lubusang nawasak.”

RE; Magbalik by Callalily & Pagbigyan Muli by Erik Santos

4.1.2026

RE; Magbalik by Callalily & Pagbigyan Muli by Erik Santos

 

This is a mema i want to tell, but only those in sales will understand.

After so much reflection, aside from BIR problems, the reason im broke is that we lost a lot of regular clients this past 3 years.

 

The reason, i have to admit is my laziness or i can say burn-out. I have been working continuously (even during pandemic) for the past 20 years, burn-out & laziness got the worst of me.

 

I feel i am enslave to my small racket that evolved into a small business. I feel isolation in my computer office room working continuously to woo clients, & take their orders. 

 

Our good reputation of low cost, fast deliveries of high quality industrial items got us of bigger clients. Bigger clients are like those a client who is a leading Airline company, & like a big BPO company

 

Bigger clients means relatively bigger orders. For a small shop, a few thousand bucks of order are already big for us. At the time i got burn-out, we got some big orders that i failed to deliver because of my laziness, i did not take the efforts & action to produce the goods to deliver to the valued clients, until it is already very delayed & cancelled

 

Just think, It is like me ordering some foods, & expect deliveries since i am hungy & expecting some good food, But the ones i ordered never take action, & never delivered the items, so i never order again from them even though I am ordering from them from many years

 

Even if you are a good reliable supplier for the past many years, but then , the client trust you of a big order that you failed to act & never delivered. It is like you ghosted them, They have a valid reason not to trust you again even if you serve them well for the past many years.

Losing your regular clients means losing your main source of income, means you will get broke.. Aray ko

 

So here i am apologizing & sincerely asking for another chance, & that songs Magbalik by Callalily & Pagbigyan Muli by Erik Santos are like my theme songs as a sales person to motivate me to woo again our valued clients .

 

Just like a lover & in relationship, you will just realize the value of a regular client when they are gone..

 

So to our valued lost clients, na need ko ulet ligawan after mafile ang ITR.. This lyrics are for you..

 

Muli ay 'yong pagbigyan, ako'y nagkamali

Muli ay 'yong patawarin, ako'y nagsisisi

Alam kong ako'y nangakong 'di na mauulit pa

Ako'y nagkamali sa 'yo, muli ay patawarin mo

 

Ako ba'y 'yong yayakapin?

Nakaraa'y kayang limutin

Magtiwalang muli, mahalin mong muli

Magbalik ka sa 'kin

 

'Di ko kakayanin kung ika'y mawawala sa aking piling

'Di ko kakayanin 'pag nalaman kong wala nang pag-ibig sa akin

'Di kayang mag-isa, gustong kasama kita

Sa 'yo lang ang pag-ibig ko

 

Magtiwalang muli, ito na ang huling pagkakamali

Pag-ibig ko'y muling tanggapin

PAG-IBIG Loyalty Card plus, what is it and how to apply? 2026

PAG-IBIG Loyalty Card plus, what is it and how to apply? 2026

 

Pag-IBIG Loyalty Card Plus

The Pag-IBIG Loyalty Card Plus allows you to enjoy exclusive discounts and rewards on your grocery purchases, tuition fee, hospital bills, fuel expenses, restaurant bills and many more from our more than 500 partner-establishments nationwide. And now, you can also use it as a cash card where you may conveniently receive your Pag-IBIG Multi-Purpose Loan (MPL) proceeds, MP2 Savings dividends, and other benefits.

Powered by:

 and 

 

The Pag-IBIG Loyalty Card Plus is an upgraded transaction card that serves as a government ID, an ATM/debit card, and a discount card for Pag-IBIG Fund members. 

What is it?

The card is an "all-in-one" tool that provides several functions: 

• ATM & Disbursement: It is used to directly receive proceeds from Pag-IBIG Multi-Purpose Loans (MPL), MP2 dividends, and other benefit claims.
• Discount Card: Cardholders can access exclusive discounts and rewards at over 507 partner establishments nationwide, including restaurants (like McDonald's), grocery stores, pharmacies, fuel stations, and schools.
• Banking Features: Powered by partner banks like UnionBank and Asia United Bank (AUB), it functions as a Visa debit card with no maintaining balance and can be used for cashless shopping, bills payment, and mobile loading.
• Digital Version: A digital version is set to roll out in 2026 to complement the physical card. 

Application Requirements

To be eligible, you must be an active Pag-IBIG member with at least one contribution within the last six months. Prepare the following: 

• Two (2) Valid IDs: At least one must be a government-issued photo ID.
• Application Fee: ₱125.00 for the card fee.
• Updated Records: If you need to update personal details, bring your Birth Certificate or Marriage Certificate (if applicable). 

How to Apply

As of 2026, application must be done onsite due to the requirement for biometric data capture. 

1. Visit a Branch: Go to the nearest Pag-IBIG Fund branch or check for offsite card issuance events (mobile deployments) at municipal gyms or malls.
2. Submit Form: Fill out and submit the Loyalty Card Plus Application Form (available at the branch or downloadable from the official Pag-IBIG website).
3. Data Capture: Undergo photo-taking and fingerprint/signature scanning at the partner bank kiosk within the branch.
4. Pay Fee: Pay the ₱125 fee directly to the bank personnel.
5. Claim Card: The card is typically issued instantly or within one banking day. 

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Tips if you are from binan, laguna

If you are applying from 

Biñan, Laguna, you have a couple of convenient options nearby to get your Pag-IBIG Loyalty Card Plus. 

Recommended Branches for Biñan Residents

• Pag-IBIG Fund – Biñan Branch: Located at the Umbria Commercial Center (2nd Floor), along the National Highway in Brgy. San Antonio. It is right beside Pavilion Mall.
  • Schedule: Monday to Friday, 8:00 AM – 5:00 PM.
  • Tip: This branch is known for daily cut-offs. Aim to arrive early as they often limit the first 100–125 applicants for card capturing.
• Pag-IBIG San Pedro: Located on the 3rd Floor of Robinsons Galleria South, Km. 31 National Highway.
  • Schedule: Monday to Friday, 8:00 AM – 5:00 PM (except holidays).
  • Tip: Some members find the processing here faster or more organized than the standalone Biñan branch.
• Pag-IBIG Calamba: Located at the Ground Floor of CityMall Calamba, Brgy. Lecheria/Halang.
  • Schedule: Monday to Friday, 7:00 AM – 5:00 PM; and Saturdays, 8:00 AM – 5:00 PM.
  • Tip: If you cannot make it during the work week, this is one of the few branches in Laguna open on Saturdays. 

Local Tips for a Smooth Application

1. Commute Guide: From the Mamplasan area or Biñan Bayan, take a jeepney or FX bound for Pavilion Mall or Pacita. Alight at Umbria Commercial Center for the Biñan branch or continue to Robinsons Galleria South for the San Pedro branch.
2. Verify Contribution: Ensure your employer has remitted at least one contribution in the last six months. You can check this via the Virtual Pag-IBIG portal before heading out.
3. Prepare Exact Change: The application fee is ₱125.00. Having the exact amount ready helps speed up the payment process at the bank kiosk.

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how about Pag-ibig in victory mall santa rosa?

Yes, the 

Pag-IBIG Fund Sta. Rosa Branch is located at Victory Central Mall in Balibago. It is a very active branch and a popular choice for members in the Santa Rosa-Biñan-Cabuyao area. 

Branch Details & Services

• Location: Ground Floor, Victory Central Mall, Balibago Commercial Complex (beside the Santa Rosa Complex).
• Operating Hours: Tuesday to Saturday, 8:00 AM – 5:00 PM.
• Key Services: You can apply for the Loyalty Card Plus, file Multi-Purpose Loans (MPL), and handle membership registration or record verification. 

Application Tips for Victory Mall

• Saturday Schedule: This branch is officially open on Saturdays, which is perfect if you cannot visit during work hours.
• Arrive Early: Like the Biñan branch, there is often a cut-off for Loyalty Card capturing. Local feedback suggests arriving before the mall opens to secure a slot in the first 100 applicants.
• Prepare Your Requirements: Bring two valid IDs and the ₱125.00 application fee. If you need to update your records (e.g., change of status), bring your birth or marriage certificate to avoid being sent back.
• Check for Satellite Services: Occasionally, they hold one-day satellite events at nearby locations like WalterMart Bel-Air for even faster processing. 

Pro-Tip: If Victory Mall is too crowded, some members recommend checking the Crosstown Mall branch (Pulong Sta. Cruz) or Robinsons Galleria South (San Pedro), as they sometimes have shorter queues for card capturing