Dr_PepPeR

since we are on the practical side...

 

i mean are there still benefits existing to retain filipino citizenship through dual citizenship?

 

thanks for the heads up!

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The right to own land.

Yes. Been there. Done that.

paalala lang po ang contact lens ay di maganda ....later on masisira ang iyong mata...if i were you eyeglass n lang.....much better pa nga kung stigma p lang dont wear your glasses all the time pagnaka ramdam lang kayo ng masakit sa mata or ulo kung okey lang dnt wear it....ako dati may eyeglass din kaso 1 year lang soot ko now wala na...wag lang kayo maghilamos ng pagod , katatapos magbasa, kagigising lang. wag matulog basa ang buhok. wag talian ang buhok kung basa. wag manood ng t.v. na nkahiga at kailangan you are 12 ft away sa t.v. kasi ang travel ng radiation ng t.v. is 12 feet straight.

 

am sure sa mga nag wear ng eye glass nakaramdam kayo palagi ng mingraine....best thing to do is sleep, magkagay ng cold water sa water bag at mag cold compress sa ulo, or magpahilot. follow my advise guys

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Glasses are a hassle for badminton, running, tennis. Forced to wear contact lenses after losing glasses while doing sports.

Sweaty palms, bad breath and body odor. Any one of these is a STRIKEOUT.

I would go for it. If I know she's the one for me, I have to try. Life is short and I want to live my life with no regrets.

arrruuuyyy''''''''''

                      NAKAKATAKOT NAMAN YAN'''''NAY'KO POH'''''''''''''''

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Just practice safe sex. Once bitten, twice shy my friend.

Macdonalds/Mr. Donut Coffee taken black. An arabico robusta batangas blend. Best taken black. THE BEST!

consult it with the dermatologist or surgeon.... have the same prob with my bro.

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Thanks Maribel! You're a doll! Take care always!

what do mean ...yong matigas na ...pag inapak masakit?

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Exactly! I don't want to have it cut by some doctor as it means missing my running regimen/training. I don't know if just changing shoes or socks will work. It used to work before. Thanks Maribel for your concern.

YONG WRIST KO...LUMUBO BIGLA ANG WRIST PERO NABALIK KO SA NORMAL KASI HINILOT KO.

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Does anyone know how to remove a kalyo on the sole of the foot? It hurts something terrible everytime I go running. Will Dr. Scholl's liquid remover work on this?

Had gonorrhe passed on to me by my GF MPA once, we went to a doctor in Filmore, gave me an injection in the butt plus antibiotics. Did a full blood test after, including HIV and Hepa. Don't ride this one out, better see a doctor immediately, its expensive and a hassle but hey, be responsible.

I used to play softball up to college days, are there any organized leagues here in Manila that I can join? I usually play 3rd base, 2nd base and catcher, but I'm willing to play outfield.

Running, weights, badminton, tennis for me.

you could either find a broker or use the online trading by rcbc or bpi. i don't know if meron pang iba.

 

good luck!

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My advice is to use a broker or open a trust account. It really depends on how much you are willing to invest. Blue chips are always sold in blocks so going through a broker or trust institution will help you diversify your investments.

Unemplyed investment/trust lawyer. I have wayyyy too much time in my hands now.

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I've additional info. If you really want dividents, you can purchase (when available) Retail Treasury Bonds issued by the phil. gov't. Interest from the RTBs are deposited into your settlement savings account every quarter ata.

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Technically speaking RTBs do not pay dividends, they pay interest, or coupon payments, just like any other fixed income instrument. Only stocks pay dividends, which are at the whim of the Board of Directors as to when and if they are declared, unless they are preferred stocks, which behave like fixed income instruments. Usually RTBs are cornered by institutional investors so you may still have to go through a bank or a financial institution to be able to get RTBs.

Very useful info here....

 

I lost a lot of money hanging on to foreign currencies for the last year or so. Euro has dropped from a highest P76 late December 2004 to P60+ something today. If you think in scale of tens of thousands of euros then that's a lot just for the currency rate drop. USD hasnt been going up either. So now I'm thinking of just converting all these to Peso and invest them in UITF or other better performing investments. Would you guys agree with this? If yes, can you point me to which bank currently has a better deal on this? I have already talked to Equitable PCI and the figures I got are 10-11% interest per annum based on last year's performance. The manager also told me that it is very rare that this goes lower than 9% so it seems ok with me. Do you have better suggestions?

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If you are in US$ just keep it as is and invest in a US Dollar UITF. Almost all the big banks have them and most of their assets are in ROPs and Dollar Time Deposits. Look at their historicals, they have been performing very well as they have been managing their ROPs very well. If you convert to Phil Pesos now you may lose on the conversion factor, particularly if you had bought it when the Phil Peso was doing poorly against the Dollar.

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Most UITF funds will not pay dividends. All profits (net of management fees) are invested back into the fund. For example: You invest P100,000 composed of 1,000 units of P100/unit on day 1. The P100/unit will increase daily such that it may be worth P105/unit on day 10. On day 10, your investment is now worth P105,000. You can withdraw the P5,000 if you want by withdrawing the equivalent number of UITF units.

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Unit Investment Trust Funds (UITF) are just like the old common trust funds. It is open ended, which means you go in or out as you please. If you are talking about dividend declaration, thesre is NONE as the nature of UITF is not like a stock wherein dividends are declared by the Board of Dirctors. The behavior of a unit of holding in a UITF is much like a share of stock wherein its market value changes everyday. So the earnings of a unitholder in a UITF will come from the rise in the market value of the unit, aside from the income of the assets of the fund itself. Both of these are used in computing the net asset value per unit (NAVPU) everyday and it is up to the unitholder to realize his profit by redeeming his units or just letting the fund manager try to increase the NAVPU as time goes by. So to be short about it, no dividends are declared for UITF by its very nature.

DR. PEPPER here to answer questions on estate planning, employee retirement funds, living trusts, corporate trusts, escrows, custodianships and other agencies.