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grayfox17
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Sat May 13, 2017 1:48 am

^3 things i could think of:
1.) isang bagsakan na singilan sa empleyado annually
2.) yung mga non-taxable benefits tulad ng mga bonuses ay dun iaawas
3.) mag iintroduce ang mga employer ng mga "misc" deductions para makabawi

Pinabango lang nila kaya maraming matutuwa lalo pa't hindi naman lahat ng LOB dito sa pinas ay matataas ang sinasahod pero babawian ka din eventually. There's always be a catch, sigurado yan.
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SirZap
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Sat May 13, 2017 2:07 am

ang alam kong babawian nila eh yung ibang klaseng tax tulad sa energy, kaya maaring tumaas singil sa kuryente at gas.
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darkwing_uop
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Sat May 13, 2017 2:56 am

I think they are going to increase the VAT, also the excise tax on automobiles , have to replace the budget shortfall
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DarkRushBeat
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Sat May 13, 2017 11:14 am

There's always a catch with tax deduction...Naalala ko nun las BPO ko, i rendered OT for a week and a half = additional 2,5k. Pag dating ng payday, 500 lang nakuha ko. Tax deductions ko pala for that cut off is 2k. Nyeh. Sayang pinaghirapan
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ron_bato
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Sat May 13, 2017 11:21 am

darkwing_uop wrote:
Sat May 13, 2017 2:56 am
I think they are going to increase the VAT, also the excise tax on automobiles , have to replace the budget shortfall
They are not increasing the vat. Theyre removing vat exemptions for a lot of good that dont need them, and for sectors with no basis of exemption.

They are inreasing the tax on automobiles, but the increases are progressive. They are also increasing the excise tax on oil which has not been updated since 1997.
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darkwing_uop
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Sat May 13, 2017 12:24 pm

oh I meant they are expanding the VAT, and increasing the tax on fuel, won't that increase prices on goods? plus public utility drivers will demand higher fares

hopefully oil price won't increase in the international market, because if they do a percentage increase in the oil tax, yikes

it's a very complicated business, why don't they concentrate on a more efficient tax collection just like the IRS in the US
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ron_bato
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Sat May 13, 2017 12:35 pm

The excise tax on oil hasnt been updated since 1997, meaning the real value of our oil excise taxes have been falling ever since. The excise tax is a specific tax and not an ad valorem tax, so it isnt based on a percentage of price. I think the increases will be strctured in such a way that it will be adjusted every year for the next three years to increase excise taxes by 6 pesos per liter.

They are not just addressing deficiencies in tax policy, but also improving tax administration. The truth is our tax policy needs updating, since we are one of the lowest revenue countries in the region.

If we want to be an upper middle income country, and invest in public infra and human capital (again among the lowest in the region), these are simply things we have to do.

The people will adjust to price increases, its going to be a sacrifice we have to endure. But if it results in better revenues (which will hopefully fund our needs as a growing country), then it will be worth it.
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darkwing_uop
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Sat May 13, 2017 3:07 pm

tell that to the most affected once fuel price increases, everything will cascade

I still advocate a more efficient tax collection first before expanding/increasing taxes

for example, especially those who in the professional field like doctors and lawyers, how many of them issue ORs for example for their professional fees
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ron_bato
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Sat May 13, 2017 3:59 pm

darkwing_uop wrote:
Sat May 13, 2017 3:07 pm
tell that to the most affected once fuel price increases, everything will cascade

I still advocate a more efficient tax collection first before expanding/increasing taxes

for example, especially those who in the professional field like doctors and lawyers, how many of them issue ORs for example for their professional fees
Well i'll tell that to everybody, and i do tell it to everybody (im not at liberty to say how but i do engage in this policy discussion with people from different sectors). Prices will adjust. Thats the way the world works. I think you're overstating the impact of the tax reform on inflation.

That's implementation of the law, which kim henares did last term. And our tax revenues did not increase significantly. She went after doctors, professionals, lawyers and self employed for tax evasion, and yet nothing improved significantly.

You cant complain about traffic, infrastuture, health and education without discussing tax reform. And its short sighted to think that only efficient tax collection is the only answer when tax administraton improvements have only marginally increased over the past six years.

Guess what improved our tax collection the most over the past few years? The sin tax. Which helped fund our health spending and improved our health insurance system greatly.
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grayfox17
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Mon May 15, 2017 9:19 pm

PSA: i just cant stress enough on how stupid it is na magpa-utang sa mga taong walang kakayahang mag bayad...
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SirZap
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Tue May 16, 2017 4:31 am

grayfox17 wrote:
Mon May 15, 2017 9:19 pm
PSA: i just cant stress enough on how stupid it is na magpa-utang sa mga taong walang kakayahang mag bayad...
gusto kong maliwanagan sa sinasabi mo. kasi kung ayaw o hindi nagbabayad dahil balasubas, syempre hindi mo dapat pautangin. pero kung sinasabi mo walang kakayahang magbayad, depende sa sitwasyon nya o nung sa iyo.

siguro eto na lang ang guideline dyan. 2 factors. 1 is kayang magbayad, 2 is willing magbayad.

A. kaya at willing magbayad. ok yan pautangin. its a matter of when sya makakabayad.
b. kaya at ayaw magbayad. pass.
c. di kaya at pero willing magbayad. tignan na lang kung "legit" ang pangangailangan at kung may sobra kang pera pwede mo na lang bigyan, yan ay kung ok lang din sa iyo na hindi na mabalik ang pera mo.
d. di kaya at ayaw magbayad. pass ulet, karamihan ng kilala kong ganito kundi adik eh yung mga walang pangarap sa buhay.

pero para walang sakit ng ulo, huwag nang magpautang :lol:
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DarkRushBeat
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Tue May 16, 2017 5:27 am

Ako talagang hindi nagpapa utang. Period. Palagi kong reason is pinaghihirapan ko kitain ang pera ko para sa pamilya ko & hindi ako nagta trabaho for other people's sake.

Meron ditong kapitbahay na until now nagta try umutang sa akin ng 1k or 500...Sabay babanat ng

"Para 500.00 lang uutangin ko"

Mawalang galang na po, hindi po "nila-lang" ang 500.00....Walang kalye sa Pinas na makakapulot ka ng 500.00....

My usual reaction? Wala. Dedma sabay ngiti at alis. Simple as that...
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grayfox17
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Tue May 16, 2017 6:46 am

SirZap wrote:
Tue May 16, 2017 4:31 am
grayfox17 wrote:
Mon May 15, 2017 9:19 pm
PSA: i just cant stress enough on how stupid it is na magpa-utang sa mga taong walang kakayahang mag bayad...
gusto kong maliwanagan sa sinasabi mo. kasi kung ayaw o hindi nagbabayad dahil balasubas, syempre hindi mo dapat pautangin. pero kung sinasabi mo walang kakayahang magbayad, depende sa sitwasyon nya o nung sa iyo.

siguro eto na lang ang guideline dyan. 2 factors. 1 is kayang magbayad, 2 is willing magbayad.

A. kaya at willing magbayad. ok yan pautangin. its a matter of when sya makakabayad.
b. kaya at ayaw magbayad. pass.
c. di kaya at pero willing magbayad. tignan na lang kung "legit" ang pangangailangan at kung may sobra kang pera pwede mo na lang bigyan, yan ay kung ok lang din sa iyo na hindi na mabalik ang pera mo.
d. di kaya at ayaw magbayad. pass ulet, karamihan ng kilala kong ganito kundi adik eh yung mga walang pangarap sa buhay.

pero para walang sakit ng ulo, huwag nang magpautang :lol:
It is what it is. Di na kelangan i-guideline or pag isipan pa ng husto. Simple lang naman yan intindihin - wag pahihiramin ng pera yung mga walang wala talaga. Pano ka nila mababayaran gayong wala na nga sila mabunot para sa sarili nila in the first place di ba? Yan ang isa sa mga dead giveaway ng mga taong walang sentido-kumon pagdating sa finances kasi di man lang sila marunong magtabi para sa sarili and instead hihingi pa sa iba.

At prangkahan na lang, ang taong nanghihiram ng pera ay yung mga walang kahihiyan sa katawan - in short, makakapal ang mukha. At bago pa may pumalag eto ang paliwanag ko dyan. Ang tao kasi pag marunong mahiya kahit kelan hindi yan gagawa ng bagay tulad na lamang ng pag-aabala sa kapwa. Yung mga nanghihiram ng pera ay yung mga taong hindi na nila nare-realize na nakaka-istorbo sila or hindi man lang muna kino-consider yung financial status ng taong inuutangan basta importante maka-kubra sila. Kung nagawa nilang kapalan ang mga mukha nila para istorbohin ka para huthutan ng pera then obviously, makapal din ang mukha ng mga yan para iwasan/takbuhan/taguan ka pagdating ng singilan. Aminin man natin o hindi, sadyang nagkalat ang mga taong ganyan. At tulad nga ng sabi mo, mas mabuti pang wag na nga lang magpautang pero dami pa rin namang nabibiktima.

Para sa kin, mas maigi nang maging madamot ang tingin ng tao sa kin kesa ang maisahan.
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SirZap
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Tue May 16, 2017 7:39 am

grayfox17 wrote:
Tue May 16, 2017 6:46 am

It is what it is. Di na kelangan i-guideline or pag isipan pa ng husto. Simple lang naman yan intindihin - wag pahihiramin ng pera yung mga walang wala talaga. Pano ka nila mababayaran gayong wala na nga sila mabunot para sa sarili nila in the first place di ba? Yan ang isa sa mga dead giveaway ng mga taong walang sentido-kumon pagdating sa finances kasi di man lang sila marunong magtabi para sa sarili and instead hihingi pa sa iba.

At prangkahan na lang, ang taong nanghihiram ng pera ay yung mga walang kahihiyan sa katawan - in short, makakapal ang mukha. At bago pa may pumalag eto ang paliwanag ko dyan. Ang tao kasi pag marunong mahiya kahit kelan hindi yan gagawa ng bagay tulad na lamang ng pag-aabala sa kapwa. Yung mga nanghihiram ng pera ay yung mga taong hindi na nila nare-realize na nakaka-istorbo sila or hindi man lang muna kino-consider yung financial status ng taong inuutangan basta importante maka-kubra sila. Kung nagawa nilang kapalan ang mga mukha nila para istorbohin ka para huthutan ng pera then obviously, makapal din ang mukha ng mga yan para iwasan/takbuhan/taguan ka pagdating ng singilan. Aminin man natin o hindi, sadyang nagkalat ang mga taong ganyan. At tulad nga ng sabi mo, mas mabuti pang wag na nga lang magpautang pero dami pa rin namang nabibiktima.

Para sa kin, mas maigi nang maging madamot ang tingin ng tao sa kin kesa ang maisahan.
oo nga naman ;)
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VincH
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Tue May 16, 2017 8:58 pm

speaking of pagpapautang, yung pinautang ko na super lakas mangakong magbabayad pero ngayon inabot na ng ilang buwan ay di padin bayad, andaming post sa facebook na mga bakasyon pictures. :facepalm:

pinagbigyan ko uli kasi may good record sakin before.
saaaandaliiiii laaaaannnggg!!!
VincH
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Tue May 16, 2017 8:59 pm

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saaaandaliiiii laaaaannnggg!!!
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skp_16
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Tue May 16, 2017 10:18 pm

^ Similar quote :D

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Lord, grant me the strength to be content where I am, the patience to wait on Your timing, & the faith to remember that You have Your hand always on my heart. Amen.

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DarkRushBeat
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Wed May 17, 2017 5:24 am

VincH wrote:
Tue May 16, 2017 8:58 pm
speaking of pagpapautang, yung pinautang ko na super lakas mangakong magbabayad pero ngayon inabot na ng ilang buwan ay di padin bayad, andaming post sa facebook na mga bakasyon pictures. :facepalm:

pinagbigyan ko uli kasi may good record sakin before.
Sa akin yung kapitbahay nga na namention ko, nagbabayad naman ng utang sa in laws ko. Pero maski na. Ayoko talaga magpa utang. Period. Kung wala e di magtiis..Minsan uutang yun sa in laws ko, ang pinambabayad e GC (gift certificates) ng SM or Robinsons...

Last time nag attempt umutang sa akin nung Apriil lang. As usual, ngiti lang sabay alis reply ko....Mamimihasa kasi lumapit sa akin kapag pina utang ko e...
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psybuster2013
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Wed May 17, 2017 4:47 pm

grayfox17 wrote:
Mon May 15, 2017 9:19 pm
PSA: i just cant stress enough on how stupid it is na magpa-utang sa mga taong walang kakayahang mag bayad...
Hmm, nakarelate ako... ilang years na din pero atleast di na ako ganon ka stressed...
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psybuster2013
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Wed May 17, 2017 4:49 pm

DarkRushBeat wrote:
Wed May 17, 2017 5:24 am
VincH wrote:
Tue May 16, 2017 8:58 pm
speaking of pagpapautang, yung pinautang ko na super lakas mangakong magbabayad pero ngayon inabot na ng ilang buwan ay di padin bayad, andaming post sa facebook na mga bakasyon pictures. :facepalm:

pinagbigyan ko uli kasi may good record sakin before.
Sa akin yung kapitbahay nga na namention ko, nagbabayad naman ng utang sa in laws ko. Pero maski na. Ayoko talaga magpa utang. Period. Kung wala e di magtiis..Minsan uutang yun sa in laws ko, ang pinambabayad e GC (gift certificates) ng SM or Robinsons...

Last time nag attempt umutang sa akin nung Apriil lang. As usual, ngiti lang sabay alis reply ko....Mamimihasa kasi lumapit sa akin kapag pina utang ko e...
Ang hirap lalo if sa kamaganak sya since wala kang choice e... Sa kanila is ang daling magsabi na after this month 'x', sa sahod or even sa bonus.. pero hindi naman nangyari.

Multiple people ang pinahiram ko ng pera, yung isang case is around 6-7 years ago pa, which is really frustrating...
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DarkRushBeat
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Wed May 17, 2017 7:55 pm

psybuster2013 wrote:
Wed May 17, 2017 4:49 pm
Ang hirap lalo if sa kamaganak sya since wala kang choice e...
He he, sa kaso ko, maski kamag anak hindi nakakahiram sa akin. Makunat, kuripot or madamot na...Pero i don't work my a** para lang ipahiram my hard earned money/salary for people other than my own family....
Everybody wants Happiness, Nobody wants Pain...
But you can't have a Rainbow, without a little Rain....


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grayfox17
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Wed May 17, 2017 8:11 pm

When it comes to money, nagtataka talaga ako on why people can't learn to just say no.... ako madalas nananabla pa ko eh, pag kasi naoffend yung tao tendency nyan is hindi na sya uulit. Bawas pa sakit sa ulo. Kahit mga magulang at kapatid ko hindi makahiram ng pera sa kin eh, pano pa kaya ibang tao. :lol:
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skp_16
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Wed May 17, 2017 9:28 pm

Sorry shameless plug. Paki like yung FB page ng first business ng kapatid and pinsan ko.

https://www.facebook.com/boshandbyni/

Gumastos kayo! :bigmouth: :lol:
Lord, grant me the strength to be content where I am, the patience to wait on Your timing, & the faith to remember that You have Your hand always on my heart. Amen.

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grayfox17
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Wed May 17, 2017 9:30 pm

^wala bang sample man lang? :sweat: kelangan mabilib kami sa produkto bago ma-endorse. :lol:
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VincH
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Wed May 17, 2017 10:24 pm

grayfox17 wrote:
Wed May 17, 2017 8:11 pm
When it comes to money, nagtataka talaga ako on why people can't learn to just say no.... ako madalas nananabla pa ko eh, pag kasi naoffend yung tao tendency nyan is hindi na sya uulit. Bawas pa sakit sa ulo. Kahit mga magulang at kapatid ko hindi makahiram ng pera sa kin eh, pano pa kaya ibang tao. :lol:
hehe eto ang isang problema ko na unti unti ko nang nai improve. dami ko na mga tinanggihan. napag bigyan ko lang yung isang kong kilala na nakapag bayad naman sa kin ilang beses na before. pag pinaabot nya ng kalahating taon yung utang nya mukhang goodbye na sya sa buhay ko.

napakalaking improvement sa buhay yung pagsabi ng "no". hindi lang sa mga nangungutang, pati na din sa mga ibang bagay :agree:
saaaandaliiiii laaaaannnggg!!!
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