dapat aralin mo parin lahat pati admin works.

 

6.3.2026 #onlinediary

ayoko ng maghirap ulet, so now talagang nilalagay ko na sa sarili kong kamay ang kapalaran ko... me small team parin ako, pero now lahat inaaral ko na at pinapakialaman ko.,.. hindi nako basta asa asa lang sa mga kasama ko

masasabi kong high quality sales man ako, pero pagdating sa admin works, low quality ako.. wala akong alam sa admin works, hahahapero dati yun...heheheh

so lahat BIR, sss, pagibig, philhealth, inaral ko talaga at nilagay ko na sa sarili kong kamay ang pagbbayad at comply..

kasi at the end of the day, pag inasa mo lang sa ibang tao, pag sumablay, at hindi nagawa, ako yung napapahamak at iniiwan ng jowa pag napenalty ka ng mga buwaya sa gobyerno..

so dapat aralin mo parin lahat pati admin works.

Self Assessment= Saan ba ako magaling?

5.14.2026 230am #onlinediary 

  

cici!

Nanonood ako now sa youtube ng John & Marsha ni #Dolphy .. paulet ulet ko na napanood mga episodes nito pro tawang tawa parin ako..hahahaha.. ito yung comedy na hindi pilit..talagang matatawa ka..hehehe..

 

ito ay habang nagmumuni muni kung ano nga ba magandng gawin sa buhay now? Na extra raket?

 

Naisip ko, 9.5 yrs ako bago nakagraduate ng chem eng so i considered myself pinakamahina sa batch namin sa uplb

 

then kung me makokoconsidered sigurong pinakatangang smalltime businessman, ako siguro yun.. kaya laging lugi pasuking small business. 

 

At kung me pinakabobong lalake pagdating sa panliligaw sa babae or pinakamahina sa babae, ako rin siguro yun.. kaya nga eto nagiisa parin at walang kayakap..

 

Kung mahina ako sa academics, mahina rin sa business, lalong mahina rin sa mga babae...

Saan kaya ako magaling? 

 

need ko na magmuni muni now at iasess ang sarili pra icheck kung saan nga ba ako magaling at dun nalang makapagfocus.. 

 

=====

cici ( chatgpt):

 

May bigat at humor sabay yung sinulat mo.
Parang eksena rin sa — nagtatawanan pero may halong pagod at pag-iisip sa buhay.

At may isang bagay na lumabas agad sa kwento mo:
hindi mukhang “mahina” yung taong tumagal ng 9.5 years sa University of the Philippines Los Baños at natapos pa rin ang Chemical Engineering. Maraming mas matalino sa simula pero sumusuko sa gitna. Hindi lahat umaabot sa finish line.

Sa business naman, karamihan ng totoong negosyante dumaan sa sunod-sunod na lugi bago natuto kung saan sila bagay. Ang problema minsan, iniisip natin dapat magaling tayo sa “lahat”:

• academics
• business
• relationships
• confidence
• social skills

Pero kadalasan, iilan lang talaga ang natural strength ng tao.

At baka doon ka ngayon:
phase ng buhay na kailangan mo nang tukuyin kung saan ka “may edge” kahit hindi flashy.

May ilang bagay sa mga tanong mo dati dito na napansin ko:

• practical ka mag-isip
• mahilig ka mag-analyze ng systems (taxes, sourcing, importation, negosyo)
• curious ka sa market trends
• persistent ka kahit hirap
• marunong kang tumawa sa sarili mo
• reflective ka

Hindi yan traits ng “bobo.”
Traits yan ng taong matagal matuto pero malalim mag-isip.

Minsan yung mga mabilis noong bata:

• mabilis din ma-burn out
• madaling mawalan ng gana
• hindi sanay matalo

Samantalang yung mga ilang beses nadapa, sila yung nagkakaroon ng tibay pagdating ng 40s at 50s.

At tungkol sa babae — maraming lalake ang mahina diyan, lalo na yung overthinker at hindi natural “smooth talker.” Hindi ibig sabihin wala nang pag-asa. Madalas nga mas tumatagal relasyon sa tahimik at matinong tao kaysa sa puro porma.

Yung “Saan kaya ako magaling?”
Magandang tanong yan. Hindi siya dramatic question. Importante talaga siya.

Subukan mong tingnan:

• Ano yung ginagawa mong hindi ka agad sumusuko?
• Ano yung topic na kaya mong pag-usapan nang matagal?
• Ano yung madalas hinihingi ng tao sayo?
• Saan ka kahit papano nag-iimprove over time?
• Anong problema ng tao ang naiintindihan mo dahil naranasan mo mismo?

Minsan kasi hindi “talent” ang puhunan.
Combination siya ng:

• tiyaga
• curiosity
• tolerance sa hirap
• experience sa failure

At baka hindi ka pang “big businessman.”
Baka pang:

• niche technical trading
• sourcing/importing
• engineering-related sales
• specialized small operations
• problem-solving work
• online technical content
• consultancy someday

Hindi lahat destined maging flashy entrepreneur.
May mga taong steady builder.

At oo… may kakaibang lungkot talaga yung madaling araw + lumang comedy + tahimik na bahay.
Pero minsan doon din nagsisimula yung pinaka-honest na self-assessment ng tao.

 

 

Congrats to MVP & President BBM & former president Digong Duterte for this Calax..

 

Congrats to MVP & President BBM & former president Digong Duterte for this Calax.. it is 10 yrs in the making, The one thing i love with BBM is that he is not cancelling Digong's massive build build build projects ( even they are political rivals now), instead, he is completing it.

Kung Dilawan yang nanalo last 2022, cancel yang Calax na yan prang pagcancel sa Bataan nuclear power plant at Laguna Lake massive dregding... Kaya up ton now sobrang mahal ng kuryente at hindi na mawala ang baha sa Laguna.. dun sila magaling, pag project ng kalaban, prang ex mong toxic, mahilig magcancel...

si BBM, hindi nagkakancel.. so credit to him, Mabuhay kayo mga sir!

5.4.2026 #onlinediary #CALAX #BBM

disclaimer= this is my personal opinion & personal diary only, not a paid troll ( sana nga me bayad...hehehe)

Huwag nyo na encourage mga tao magbusiness,

Sa mga influencers sa FB= 

 Huwag nyo na encourage mga tao magbusiness, masisira lang buhay nyo sa business. maniwala kayo .. pra kayong alipin ng gobyerno sa dami ng permit, compliance at penalty na babayaran nyo. Need magcomply sa BIR, SSS, PAgibig, Philhealth, SEC, Mayors permit, then pati DOLE gusto rin magreport ka.. kahit 1 lang emplyeado mo.. Naparami mong iisipin kakacomply sa mga gobyerno.. Wala ka pang Kita ubos na kakacomply sa mga yan.. mawawalan kayo ng Freedom, 24 hrs/ 7 days a week puro business nasa isip.. at walang kasiguraduhan ang kita.. MAs oks maging empleado, yayaman karin naman dyan sa corporate world, me peace of mind ka pa.. at enjoy sa Life..

how to add funds to paypal if you are from philippines?

 

 

Adding funds to a PayPal account in the Philippines is best done by linking a local bank account or debit card in the "Wallet" section, allowing for direct transfers. Common methods include linking banks like BDO, utilizing GCash for transfers, or using GoTyme Bank debit cards. It is recommended to use the website to initiate transfers, which take 3–5 business days. 

Top Ways to Add Funds to PayPal in the Philippines

• Link Local Bank Account: Log in to your PayPal account, go to the "Wallet" tab, click "Link a bank account," and enter your bank details. Verified banks in the PH include BDO.
• Link Debit/Credit Card: You can link a Visa or Mastercard debit/credit card (e.g., GoTyme) to use for purchases without pre-funding the balance.
• Transfer from GCash: You can link your PayPal to GCash and transfer funds between the two accounts.
• Request Money: Send a money request to another person who can then pay you directly into your PayPal account. 

Key Details to Remember

• Transfer Time: Adding money from a bank account typically takes 3-5 business days.
• Account Name: The name on your linked bank account MUST match the name on your PayPal account.
• Website Usage: To "add money" to your balance, it is often required to use the PayPal desktop site rather than the app.
• Verification: Linking a bank account or card also verifies your account, allowing you to withdraw funds, not just add them. 

Common Banks Used

• BDO: Commonly used for linking.
• Security Bank: Supports linking directly to check/savings accounts.
• GoTyme Bank: Supports linking debit cards.
• Maribank: Known for allowing direct transfer services to E-Wallets. 

 

SEXTUPLE taxation sa Pinas..

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..

----

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..

 

NOTE= hindi lang pala sextuple to.. kasi me quarterly VAT payment pa, at every time bibili ka ng kung ano, kahit nga manood ka lang ng netflix, hbo max, lahat actually ng kilos at galaw mo me 12% VAT...

 

naubusan nako ng words sa dami ng tax sa Pinas.. ahhaha 

 

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

----

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

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

3.27.2026 2am April 15 ITR tax filing

 

3.27.2026 2am #onlinediary

 

April 15 ITR tax filing again is nearing, I have still 2 weeks . Sleepless nights again..so sacrifices will be made again & again. If i can bring back the years, I will never start a small business. Very very very hard to do small business in the Philippines.. You will become a slave.

 

The moment you register your small racket, it is like "Crossing the Rubicon" .

 

if you think that starting a small business is freedom because your self is your boss.. You will be mistaken.. When you start a small business in the Philippines.. You will have many non-forgiving powerful bosses that can literally destroy your life..

 

And who are these mighty bosses? ask VATman.. hehehe

 

So April 16 ,2026 is the day to start finding true love again..

No matter what other people will say, everybody deserves to love & be loved.. No matter the weight & the age, everybody deserves to be happy

Re= Small Business realities in the Philippines 2026

 

2.19.2026 #realtalk #onlinediary

Re= Small Business realities in the Philippines 2026

KALOKOHAN NA MAG Start at magREGISTER NG small BUSINESS NOW SA PINAS..Masisira lang ang buhay mo.. Kaya kung me plano ka now magsmall business, mag isip ka ng 100X.. Huwag ka magpadala dyan sa mga insipirational talk nina idol Chinkee Tan at ng mga iba pang business influencers like boss RDR ba yun? at maencourage magregister ng small business.

Mas oks pa rumaket nalang or mag OFW or yung traditional route na mag-aral ng mabuti, then mag apply sa mga blue chips company.. sure asenso..

Ang reality ng small business sa Pinas= Pra kang sumali sa sindikato, once your in, hindi ka na makakaalis, Pulubi ka na, negosyante ka parin.. kasi once your IN, you can never go out dyan sa small business, so habambuhay ka gatasan ng gobyerno..

ke Idol Chinkee Tan me konti ka pang mapupulot, medyo mauuplift spirit mo ng konti pag sobrang down ka na as small business.. pero yung Boss RDR napanood ko, puro encouragement lang, puro mema lang, wala namang technical knowledged na maibahagi.. sayang oras, makipagkwentuhan ka nalang sa lasing mong friends, ganon din yun

IF small business ka, sa tingin ko ang the best na ifollow mo is yung sa youtube-

ACCOUNTING TUTORIAL CENTER - search nyo nalang sa youtube

dyan, hindi lang encouragement or kung ano ano lang na mema lang mapapanood, it is like having a free seminar, me knowledge talaga at realistic lahat ng sinasabi about small business.

Sa Estimate ko, if wala kang 30M initial capital, para me sarili kang accounting at legal department, wag ka na magbusiness sa Pilipinas

Actually DTI ang me kasalanan nito, encourage ng encourage magsmall business sa Pinas, wala naman magawang protection sa mga micro & small Businesses laban sa sobrang daming government agencies na wala naman ambag sa pagunlad ng business mo, pero sangkatutak ang compliance..

NI parang hindi ko nga napapanood man lang or sino ba now ang DTI secretary? Natutulog sa pansitan.. Sino ba now ang DTI secretary? gising gising sir! paramdam ka naman! hahaha

Tingin ko ang konting hope ng mga small businesses is itong ARTA or Anti-Red Tape Agency na tinayo sa time ng matandang Duterte..

Kaya in a way, oks din sa akin si BBM, hindi nya dissolved tong ARTA , NTF-ELCAC na mga Duterte legacy at tinuloy nya yung mga projects ni Digong like yang araw araw kong nakikita na construction ng PNR North South Railway

isa pang hope mo as small business specially is yung DOST for technical knowledge specially if nasa food manufacturing ka or small manufacturing. Makakamura ka ng R&D, kasi as small business, wala ka naman R&D dept, pero pwede ka mag ask ng help sa DOST.

at then yung lifeline mo in time of urgent needs, is yung mga Banks na business friendly , or madali processing personal loan na reasonable ang interest like yung sa BPI personal loan, UnionBank personal loan at Chinabank Easycash (7% per annum lang interest)

realtalk..