tag:blogger.com,1999:blog-17839575.post741704330531356599..comments2024-03-17T23:50:03.863+08:00Comments on Government and Taxes: Tax Cut 19: BIR Regulations for the Self Employed and POHTABienvenido Oplas Jrhttp://www.blogger.com/profile/07799756132761366267noreply@blogger.comBlogger4125tag:blogger.com,1999:blog-17839575.post-89674492266189110752014-04-08T21:45:37.307+08:002014-04-08T21:45:37.307+08:00PAG-IBIG
Before, membership in PAG-IBIG is option...PAG-IBIG<br /><br />Before, membership in PAG-IBIG is optional but changed a few years ago (2009 or 2010) with a new law. Same question, why the need for a mandatory membership?<br /><br />Ang nakakatawa, 2009 or 2010 nag-take effect yung batas pero nung unang inassess kami ng PAG-IBIG, kasama pati yung mga dating empleyado noong late 90's / early 2000's. Yung iba, patay na. Yung iba, umalis na sa tindahan namin. Ayun, <b>almost 1 million</b> tuloy ang utang namin sa PAG-IBIG noong 2009/2010.Dinohttps://www.blogger.com/profile/14835096543847430197noreply@blogger.comtag:blogger.com,1999:blog-17839575.post-67038057282254087072014-04-08T21:41:12.158+08:002014-04-08T21:41:12.158+08:00I'd like to include as well SSS/PAG-IBIG which...I'd like to include as well SSS/PAG-IBIG which you mentioned in our mini-discussion in the other comment page on Inequality 17.<br /><br />********<br />SSS <br />I wonder how important SSS is that your membership has to be mandatory. As far as I know (I might be wrong), what they primarily do with your money is to place it in investments (stocks, etc.). Then when you're retired, you're supposed to get the money back (retirement benefits/pension). But obviously the greater bulk of the returns from their investments go to the SSS employees and board (napabalita dati na ang lalaki ng bonuses nila. wow). <br /><br />If that's the case....<br />(a) why not let companies set up their own retirement funds for their employees? (yung iba may ganito tulad ng PLDT Beneficial Trust Fund, San Miguel, etc)<br /><br />(b) Why not teach financial literacy to citizens? This will help a lot so people manage their own money and not be dependent forever on the government until retirement. <br /><br />(c) As a follow-up to (b), why not try bank deposits, trust funds (UITF) of banks, or mutual funds? If one is not confident with his financial skills, one can try these funds which practically function the way as SSS. <b>Buti pa nga ang bangko at least honest sila na negosyo sila. Ang SSS, "public service" kuno pero ang lalaki naman ng bonus ng mga board member.</b><br /><br />(d) For people who are confident with their investing skills, bakit hindi na lang sila ang dumiretso sa stock market? Mas maganda pa nga ito. IKAW ang magiging stockholder ng mga kumpanya at business partner, hindi ang SSS na nag-iinvest on your behalf.<br />Dinohttps://www.blogger.com/profile/14835096543847430197noreply@blogger.comtag:blogger.com,1999:blog-17839575.post-50349475691206076942014-04-08T21:23:58.699+08:002014-04-08T21:23:58.699+08:00Dagdag ko lang po, ayon sa BIR website ang RR 18-2...Dagdag ko lang po, ayon sa BIR website ang RR 18-2012 ay pinublish sa Manila Bulletin noong January 3, 2013. Pero ganun lang. Ang nakakatawa, una hindi alam ng mga tauhan nila sa mga local district office yung bagong ruling. Pangalawa, hindi rin alam nung ibang accredited printer ng BIR. Pangatlo, bakit sa Manila Bulletin lang at hindi sa Philippine Star, Inquirer, at TV media kung saan mas maraming makakabasa / makakanood (mawalang-galang sa Bulletin pero mukhang hindi ganung karami ang nagbabasa nun kumpara sa Inquirer at Star). <br /><br />Mas maigi rin kung binanggit sa TV pero nakarating lang ito sa TV media nung malapit na ang original deadline nila.Dinohttps://www.blogger.com/profile/14835096543847430197noreply@blogger.comtag:blogger.com,1999:blog-17839575.post-43258730705391830192014-04-08T21:14:23.855+08:002014-04-08T21:14:23.855+08:00Another controversial BIR ruling last year was rev...Another controversial BIR ruling last year was revenue regulation no. 18-2012. Not so much the content but the manner it was published to the public.<br /><br />I have a relative who owns a store. Sometime in January 2013, naubusan ng resibo para sa tindahan. Pumunta sa isang <b>BIR-ACCREDITED</b> printer para magpaprint ng bagong booklets ng resibo. 250 pcs of receipts costing Php30,000. Sabi nung BIR-accredited printer doblehin na raw namin. 500 pcs of receipts costing more or less Php60,000. Mas maganda na nga siguro ang maraming iprint na resibo para hindi kailangang balik nang balik sa BIR para sa pagpiprint ng resibo. Ayun, ginawa yung mga resibo.<br /><br />Ang problema, pagdating ng May/June 2013, biglang kumalat ang bagong ruling ng BIR tungkol sa bagong format ng resibo (with added security features kuno). January 2013 pa raw sila nagsabi. <br /><br />Kaso yung mismong BIR-accredited printer nila na pinuntahan namin at mga BIR employees sa local district office hindi rin alam ang bagong ruling noong panahon na yun. <br /><br />Ayun, biglang nalaman namin na ang bagong resibo namin ay biglang wala nang bisa at kailangang ubusin bago mag June 30, 2013 (original deadline) at Oct 31, 2013 (extended dahil sa overloading sa mga BIR printer). <br /><br />Hindi pa rin namin naubos ang mga resibo pero kinailangan nang magpaprint ulit sa BIR ng resibo (ibang printer naman dahil nagtampo na kami dun sa unang printer na hindi raw agad alam ang bagong ruling). Kaya ayun, gastos ulit ng humigit-kumulang PHP 60,000. <b>Sumatotal, nagatasan ang tindahan namin ng Php120,000 para lang sa pagpiprint ng resibo sa BIR.</b><br /><br />Ang nakakainis pa, parang pinalalabas ni Kim Henares na kasalanan namin ang nangyari. Maaga daw nila sinabi ang bagong ruling at mga bagong kailangan sa resibo. Pero sariling mga tauhan niya nung nagpaprint kami nung unang batch ng resibo noong January 2013 e hindi alam ang bagong ruling.<br /><br />Tapos ang instruction e isoli daw sa BIR ang hindi nagamit na resibo na hindi naprint sa ilalim ng RR 18-2012. Susunugin daw para hindi na magamit. Hindi namin ginawa (basta nagpaprint na lang ng bagong resibo). Para mo na rin sinabing sunugin ang PHP 120,000.<br /><br />Ang hirap talaga magnegosyo sa Pilipinas. Ultimo resibo mo e dapat aprubado ng BIR (at tiyak na may cut pa sila sa gastos mo sa printing). Tapos pabago-bago pa ang ruling tungkol sa resibo.Dinohttps://www.blogger.com/profile/14835096543847430197noreply@blogger.com