Gov't Services SSS

Complete Step-by-Step Guide to Register your SSS Account Online

Members of the Philippine Social Security System are encouraged to register their SSS account online for faster and convenient viewing of SSS contributions.

Once you’re registered, you can also view and file benefit claims such as retirement or disability pension, maternity benefit, and sickness benefit. You can also apply for salary, educational, or housing loan through your online account.

The online platform of SSS indeed has a lot of advantages. If you are not yet registered, just follow this complete step-by-step guide on how to register your SSS account.

1. Go to

2. Under ‘Not Yet Registered in My.SSS’, click ‘Click Here‘.


3. To register as SSS member online, you need to choose one of the information below.


In my case, I registered using the Payment Reference Number which is found on the receipt when I paid my contribution at the SSS branch.

4. Fill out the User Registration Form with all the required information.


Below is the continuation of the registration form. Make sure to enter your correct address and the Reference Number. After that, you need to enter the code shown at the bottom, then click the box to accept the terms and conditions, and finally click on Submit.


5. A confirmation message will show up on the screen if your registration is successful.


In my case, I received the email notification after 5 minutes.

6. Check your email inbox for the system notification from SSS. It should come  from with the subject, SSS Web Registration. It contains the User ID and the link to activate your SSS online account or My.SSS. 

Take note that you need to activate your account within 5 working days, otherwise, the activation link will expire and you will need to register again.


7. Click the Activation Link in the email (below your User ID). Or, right click “clicking here” and copy link to your preferred browser (Internet Explorer, Mozilla, or Google Chrome).

This is the page where you’re going to set your Password.

Take note of the following when setting your password:

  • Length must be 8-20 alpha-numeric characters.
  • First character must be alphabetic.
  • No special characters and must be different from the User ID. (Ex. JDCruz08)


8. After you successfully set your password, you will be logged in automatically to your SSS online account.


Take note of your User ID and Password so that you can access your SSS online account anytime you want. When you’re logged in, you can access all the features and services that My.SSS offers including:

  • viewing your SSS contributions
  • viewing and filing your SSS benefit claims
  • viewing your SSS loan statement of account

How to Check your SSS Contributions

If you want to know how much you’ve contributed to SSS as a member, just log in to your SSS online account at and enter your User ID and Password.

Once you’re successfully logged in, hover your mouse to E-Services, then click Inquiry underneath it.


Under Member Info, click Actual Premiums.


You can now view your monthly premiums or contributions to SSS online without going to the SSS branch. Just login to My.SSS using your computer or smartphone with internet connection. It’s fast, easy and convenient.


7 Tips for Successful Registration to My.SSS

  1. Use Internet Explorer to open the SSS website. While you can view the website using other browsers, it is specially designed to work on Internet Explorer that’s why it’s highly recommended by SSS.
  2. Before you register, make sure you have the required information such as the SS number or Reference Number to make the registration easier to accomplish.
  3. Enter the correct information on the registration form. Your personal information must match with the SSS records.
  4. Use an email address that is active, accessible, and has not been previously used to register to SSS.
  5. Activate your SSS account within 5 days to avoid repeating the registration process.
  6. Set a password based on the given guidelines.
  7. Write down your User ID and Password in your notebook or in a safe excel file for your reference.

To keep your account safe, don’t share your account and login information to others. If you log in to the SSS website using a public computer, make sure to log out from your SSS online account after.

It’s important that you access your account regularly to see your contributions and loan statements. This will help you ensure that your contribution and/or loan payments are posted accurately.

Contact SSS 

For inquiries about SSS online registration, you may send an email to Indicate your Common Reference Number (CRN) or SS Number and complete name in your letter.

You may also contact the SSS call center at 920-6446 to 55. For general inquiries, you may email 

***This post is an update to our older post: How to Register or Sign-up for SSS ONLINE Membership Account.

Investment Mutual Funds

Getting Started on Mutual Fund Investment

One of the reasons why I like what I’m doing right now as an Event Director is the opportunity to share and spread Financial Literacy to other people.

Last week, we helped out the Philippine Investment Funds Association or PIFA for their Annual Mutual Fund Awareness Week and I feel honored to be part of that event.

It was a month-long preparation and it was all worth it after seeing hundreds of people registering for the event to learn more about mutual funds.

Nearly 700 people registered through our site and though only about 400 of them showed up during the event, it was still a huge crowd.

According to our client, the highest number of participants that they had during their previous events were only 120. Having almost 300% more attendees this year was a good sign that more and more people want to invest their hard-earned money and achieve financial freedom.


Aside from being part of the organizing and marketing team for the PIFA Mutual Fund Awareness week event, I was also personally interested to learn more about Mutual Funds.

I’ve been invested in the stock market for exactly two years now, but I haven’t been actively trading these past few months compared to when I was starting in the stock market.

Reason was because I don’t have much time to watch the market now and to study the financial reports of the companies due to some other priorities.

Also, I pulled out almost half of my investment last year to fund for an online course that I was very interested in and an online business that I’m currently working on.

So I thought of investing in mutual funds because I want to know first-hand how it really works.

Second, based from the historical data presented by some mutual fund companies, their performance in terms of profit/interest earned are really promising and ideal for long term investment.

And third, mutual funds are managed by fund managers who have years of experience in their field of expertise and I trust they know what they’re doing and their best interest is really to make your funds earn and grow.

My first choice is Philequity Management, Inc. Philequity is proud to be consistently on the top among the mutual fund companies in the Philippines. It has a solid line-up of board directors and fund managers, who have years and years of experience in handling and managing mutual funds not just for big investors, but also for retail investors like us.

I got the chance to attend one of their stockholder’s meetings in 2014 when I received an email invitation from their marketing team. I went there and I was really impressed with Philequity’s historical performance. No doubt they’re No. 1!

Btw, please note that past performance does not guarantee future results”. If a company has good historical data, it’s not necessarily indicative of future performances. There are so many factors affecting the performance of each company.


I dropped by the table of Philequity’s team during the PIFA event and inquired on how to start investing in mutual funds. They gave me the option to sign up and apply directly at Philequity or if I already have an account with COL Financial, no need to apply because I can buy funds directly through the COL platform, which is my preferred option.

I haven’t bought mutual funds yet through my COL Account but I’m planning to do it hopefully within this month.

You don’t have to have a lot of money to invest in mutual funds. In fact, you can open an account or buy funds for as low as 5,000 pesos.

Btw, COL Financial also offers FREE Seminar on Investing in Mutual Funds via COL Fund Source.

This is a 2-hour seminar that will discuss the basic concepts, benefits and risks associated with Mutual Funds. It will also cover how to evaluate which Mutual Fund products are most suitable for investors based on our financial objectives and personal preferences.

This is ideal for newbie investors and those seeking to diversify their investments but have no time to study all the products in the market.

They have morning and afternoon sessions on different dates and it will be held at the COL Training Center, 24F East Tower, PSE Centre, Exchange Road, Ortigas Center, Pasig City.

This is open to everyone and it’s FREE of charge.

To register, visit COL Financial Website or call the COL Hotline at (632) 6-515-888.

Investment Stock Market

How to Withdraw Funds from COL Financial Account

I ran out of cash today so I decided to withdraw some extra funds from my COL Financial Account.

This isn’t the first time I withdrew money from my COL Financial Account, so I pretty much know the process already. And it’s very simple.

If you have a COL Financial Account and you’re planning to withdraw your funds too or maybe you just want to know how it’s done, just follow these simple steps:

  1. Login to your COL Financial Account.
  2. Click the Home button and select Forms.
  4. Print the form and fill it out with the required information and sign it.
  • Date
  • Amount in Figures
  • Amount in Words
  • COL Account Number
  • Name of Account Holder
  1. Scan the signed form and send it to with the Subject Line: COL Financial Withdrawal


If you prefer to pick up the check from the COL Financial business center, you need to submit the original filled out form with signature.

Another tip: Always make sure that your Account Profile is updated.

  • Email Address
  • Home Address
  • Office Address
  • Mobile Number
  • Bank Details

If you prefer to have your funds transferred or credited directly to your bank account, double check your bank account details and update it if necessary.

To check or edit your profile, click Home and select Change Profile.

By the way, the amount that I withdrew was my unused cash balance from my COL Financial Account.

Can I withdraw the proceeds of a stock sale immediately?

From the COL Financial Website:

An individual can withdraw the proceeds of a stock transaction sale in three days (T+3) after a stock is sold subject to the procedures on the withdrawal of funds. An unused cash balance longer than three days dormant can be withdrawn anytime thereafter, allowing for one day notice with a cut-off time of 11am to prepare the check payment for that day.

So make sure you give at least 3 days if you’re withdrawing funds from your COL Financial account.

You may also contact COL Financial Customer Service at (+632) 6 515 888 or send an email to if you have any questions regarding this.


I sent my withdrawal request through email yesterday, Jan. 13, 2016 at 2:30 PM and I received an email notification that they received my request around 5:00 PM.

Today, Jan. 14, 2016, at 11:40AM, I received an email from COL Financial with the Subject Line: Notice of Adjustment, informing me that they have already debited the amount to my account.

I checked my bank account online today at 2:00PM, the amount was not yet credited to my account. Not sure what time was it actually credited, but when I checked it again at 11PM today, it’s there already.

That was quick indeed! 1-day processing only. Thanks COL Financial!

Investment Seminars

My 12 Key Takeaways from the Cashflow 101 Event

Two weeks ago, I attended the Cashflow 101 board game / workshop at the Crown Plaza Hotel in Ortigas, Pasig City. This was my second time to play this board game. The first time was early in 2012 and that was also the first time I heard about the stock market, which I shared on one of my blog posts HERE.

Few days prior to this event, I met the organizers of the Rich Dad, Poor Dad events here in the Philippines, the smart and lovely ladies from Laurus Enterprises – Joana, Paula, and Jev. 🙂

During that meeting, we talked about the upcoming ‘Masters of Wealth’ Business Conference with Robert Kiyosaki and 7 other International Speakers. They also mentioned that they will be holding the Cashflow 101 board game in November, few days before the big event.

I got excited and I even told them that I attended that same board game in the past and I’ve been wanting to attend Cashflow 101 again.

I was surprised to know that Laurus Enterprises is the exclusive organizer of Cashflow 101 workshops and Rich Dad activities in the Philippines and has been the official partner of Rich Dad Training (S.E.A.) Pte. Ltd. since January 2005. Unfortunately, the one that I attended in 2012 wasn’t organized by them since they don’t hold their events in a restaurant.

Hmmm, I wonder who the organizers were on that first Cashflow 101 board game that I attended…

Anyway, I told them that I was really interested to attend their Cashflow 101 event and it was so sweet of them to have given me 2 complimentary seats for me and my friend, Shyne.


For those who are not familiar with this game, Cashflow101® is a board game created by Robert Kiyosaki, author of the Best-Selling book, Rich Dad Poor Dad, to serve as a bridge from learning the Rich Dad concepts from the books towards applying those concepts in a safe environment first (no real money is involved in the board game, this serves as a practice ground). It is only through practice that the firm foundation of financial literacy is formed. (Source)

Cashflow 101 is a half-day event that will give participants an overview and hands-on understanding on what makes rich people richer and poor people poorer.

The main goal of this game is to get out of the Rat Race and onto the Fast Track by building up your Passive Income to be greater than your Total Expenses.


The event was facilitated by Jerome San, the only person in the Philippines that has been personally trained by Mr. Bellum Tan, the CEO of Rich Dad Training S.E.A. Pte. Ltd. And he is also the CEO of Laurus Enterprises.

Jerome San shared the principles of the Rich Dad, Poor Dad by Robert Kiyosaki before, during, and after the Cashflow 101 board game.

There were around 200 participants of the Cashflow 101 event on November 8, 2015, and one moderator was assigned in each table with 8-10 participants. Paula Lopez was the one assigned to us at Table 8. 🙂

cashflow 101-boardgame-jerome-san

My Key Takeaways from the Cashflow 101 board game and workshop:

  1. Focus on building and acquiring assets rather than liabilities.

Assets – are things or properties that will continue to work for you and provide you income whether you work or not.

Is buying a car an asset or a liability?

Answer: It depends… Will it provide you income whether you work or not?

  1. Build more passive income than active income and expenses. This will prepare you for your financial freedom.
  1. People don’t get started because they focus on the lack of capital, time, and know-how.

What to do?

Know what you have now – your resources, knowledge, skills, talents…

You might have what you need to get started. And along the way, the journey will provide what you need.

  1. Start small, think big. Start small, start now!

A lot of people always think of becoming rich right away. They want to have a huge business and lots of assets. But we should always remember, that it takes big to have big. Learn how to start small, but have a big goal in mind.

  1. If you’re employed, you work hard for money. If you have a business, your money work for you.
  2. If you’re building a career, make sure you’re building YOUR assets, and NOT someone else’s assets. (My favorite of all and also a wake-up call for myself)
  1. Use debt as a leverage to take advantage of opportunities.
  1. Take risks. Learning doesn’t only happen in school but also when you take risks. The greatest risk is NOT to take the risk at all.
  1. Every opportunity comes from a problem. Don’t be afraid when you encounter a problem for every crisis comes an opportunity.
  1. Solve small problems, get small profit. Solve big problems, get big profit.

Problem solving is a skill. The good thing is, skill can be acquired.

  1. Always play above the line. You’ll see your greatness if you see yourself above the line. Everyone is given different sets of potentials and skills. Our task is to enhance and maximize our skills to come up with something greater.
  2. Knowledge is not power. Knowledge is power with ACTION!

(Just a disclaimer, this list is only based on what I remember from the event and may not necessarily mean that these are the exact words or principles of the Cashflow 101 or Rich Dad, Poor Dad training.)

Even if I already attended the Cashflow 101 game before and I already had an idea how it was played, I was still very excited to play it again. And I wasn’t disappointed. I enjoyed every bit of the game. I learned a lot and I had so much fun. I was also one of the few lucky participants who finished the game with higher passive income than expenses, which is one of the main goals of this board game.

My challenge now is to apply the principles I learned from the Cashflow 101 event and to start working on building my passive income and acquiring assets over liabilities.

I know it’s easier said than done but I’ll do my best to follow these principles in real life.


Robert Kiyosaki LIVE in Manila for the Masters of Wealth Business Conference

I would also like to take this opportunity to invite you to the Masters of Wealth Business Conference with Robert Kiyosaki and 7 other International Speakers including:

  1. Andrew Matthews – Best-selling Author and International Speaker
  2. J.T. Foxx – World’s No. 1 Wealth Coach
  3. Robert Riopel – Top International Trainer
  4. Bellum Tan – CEO of Rich Dad’s Training (S.E.A.) PTE LTD.
  5. Richard Duncan – Economist and Best-selling Author
  6. Mario Singh – Asia’s #1 Forex Coach
  7. Peng Joon – Authority in Wealth Creation Online

What You Will Learn:

  • The importance of financial education
  • Why right now is your best opportunity to start a successful business
  • How good debt is easy to get and can make you rich
  • Raise venture capital to fund your dream
  • The skills you must know for business, sales, and entrepreneurial success
  • What holds back the average person from achieving more in life
  • How to transition from an employee mindset to a business owner mindset
  • The good, the bad, and the great opportunities to thrive in 2016
  • What you will need to capitalize on global volatility in 2016
  • Generate multiple streams of income before the crash in 2016

This is a rare event and it will happen on November 30, 2015 at the SMX Convention Centre, Mall of Asia, Pasay City. You may visit Manila Workshops for more details and ticket availability.

This is rather a long post but I hope you learned a lot from what I shared here. Thanks for reading and let’s hope and pray for a brighter future for all of us!

How about you, have you already attended the Cashflow 101 event? How was your experience and what did you learn from the game? 

Random Updates Seminars

My WAHM Story: How I Became a Work-at-Home-Mom

I didn’t have any idea about being a WAHM until I attended the WAHM 101: How to be a Work at Home Mom Workshop on June 28, 2014.

It was only a month after I resigned from my 7-year employment at the call center when I learned about this workshop. The main reason I resigned from my job was because I wanted to stay close to my baby as often as possible. When I was at work, I always got distracted by the thought of my baby, who’s left at home, and I wanted to change that by staying at home for good.

My plan was to look for a job opportunity that I can do at home. I was still happy with my job, but I knew I would be happier if I see and bond with my baby, while working from home at the same time.

So I attended this workshop…

WAHM 101 Workshop, June 28, 2014 

Martine De Luna, the Director of the WAHMderful Life Community, shared tips on how to transition from being a “working girl” to being a WAHM or Work-At-Home-Mom. Then we had an activity where we discussed why we want to be a WAHM and what we intend to do as WAHMs. Marge Aberasturi of TheHappyWahm, joined our group during the activity and she also shared with us her WAHM story.

There was also an Interactive Panel Discussion entitled, “Are you Ready for the WAHM Lifestyle?” with Louisa Mercado, Hana Pangan, and Sammy Tan as panelists.

Some of the topics discussed include:

  • Their personal WAHM Stories
  • Time & Home Management Tips
  • Stress Management
  • WAHM Home Office / Workspace
  • Online Profiles / Portfolios
  • Job Opportunities for WAHMs

I’m very grateful that I attended this workshop because it opened my eyes to opportunities that I’ve never imagined I would do in the weeks and months that followed.

Martine and Marge were the first two WAHMs who inspired me to be a WAHM. When I learned that they have their own websites and most of the other WAHMS at the event have blogs, I got inspired to build my own blog too.

I had no idea how to build a blog, but I was motivated enough that I was able to create my own website from scratch in one week. And it is this blog,

After few weeks, I created my second blog,

I remember, Marge said that our blog is like our online CV. It makes it easier for employers to find us. Aside from looking for employers or employment opportunities online, having a blog can lead them to us.

The WAHM 101: How to be a Work at Home Mom Workshop included 4 FREE Mastermind Sessions, which I all attended.

The first Mastermind Session was “How to have the heart of WAHM” with Martine De Luna. She shared various tips on how to make a living while making a home and the different opportunities in blogging.

WAHM Mastermind Session 1, July 26, 2014
WAHM Mastermind Session 1, July 26, 2014

The second Mastermind Session was “Homebased Business Ideas Brainstorm” with Ginger Arboleda. She emphasized the importance of self-discovery: Understanding the “YOU” brand. This was the first time I heard Ginger talk and I was really inspired.

WAHM Mastermind Session 2, August 30, 2015
WAHM Mastermind Session 2, August 30, 2015

The third Mastermind Session was “How to Make a Business Plan” with Ginger Arboleda. She explained to us the importance of having a business plan and she taught us how to make one which we can apply in our own businesses.

WAHM 101 Workshop, June 28, 2014
WAHM Mastermind Session 3, September 27, 2014

The fourth Mastermind Session was “Marketing Strategies for WAHMs” with Marge Aberasturi. Aside from the marketing strategies that she shared with us, she also gave us ideas on how and where to find WAHM opportunities online like Virtual Assistance and Blogging.

WAHM Mastermind Session 4, October 4, 2015
WAHM Mastermind Session 4, October 4, 2015

I also went to the Work-At-Home Weekend Expo on October 25, 2014, but I didn’t get the chance to listen to the premium talks because I had other plans that day.

These WAHM events were established by Martine De Luna, the Director of the WAHMderful Life Community and Ginger Arboleda, the General Manager of Manila Workshops.

I’m truly thankful that I attended the WAHM workshops. I learned so many things from the speakers and fellow WAHMs. I never thought that I would be able to create my own blog, but it was made possible because of the inspiration that I got from these lovely and smart WAHMs.

Two months later, I became an Event Director of Manila Workshops, and just recently, I was appointed as COO of the company. I feel blessed and I’m so grateful to Ginger, my boss, for believing in me.

WAH Expo 2015
WAH Expo 2015

This coming Saturday, September 26, 2015, we’re having the “Work-At-Home Expo 2015”, and I personally invite you to attend this event. We have different talks which I’m sure you’ll find interesting and helpful especially if you’re planning to work at home. Everyone’s encouraged to join, not only the moms or ladies. Who knows, you might be able to find your next gig or meet new friends here. 🙂

To know more about the WAH Expo 2015, please visit Manila Workshops.

And btw, I’ll be the host/emcee of this event, so if you can make it to the Expo, feel free to approach me. 🙂

See you there!


Photo Credits: Manila Workshops


Seminars Stock Market

Stock Smarts Workshops: How to Invest in Stock Market

My first assignment as an Event Director of Manila Workshops was the Stock Smarts Series, in partnership with Marvin Germo. It started in January of this year and we already had four runs as of this month.

We had 4 modules during the first run, which include:

  • Basics of Stock Market
  • Intro to Technical Analysis
  • Advanced Technical Analysis
  • Fundamental Analysis

It was held at the Berjaya Hotel in Makati City, where we had a total of 41 participants for this series.


The same topics were tackled during the second run at Voffice, Fort Legend Tower, in Taguig City with a total of 25 attendees.


We tried a new set of modules for our third run this year and we called it the Comprehensive Technical Analysis Series, which include the following modules:

  • Basics and the Foundations of Technical Analysis
  • Market Trends, Volume Related Trading, Market Phases, and Moving Averages
  • Stock Market Trading Oscillators
  • Candlesticks, Comprehensive Chart Patterns, Fibonacci Analysis

It was held at the Freelancer Conference Hall, Ecotower, in Taguig City, where we had a total of 25 attendees. Majority enrolled for the entire course / series.


On our fourth run, we included two modules from the first run, Basics and Fundamental Analysis, and we added a new module, which is Portfolio Management. Surprisingly, this is the run where we had the most number of attendees, having a total of 45.


Our speaker, Marvin Germo, is a Registered Financial Planner and an author. His ability to simplify complicated investment concepts, making it easier to understand has made him one of the most sought after money speakers here and abroad. With his over seven years of experience in the Philippine financial industry, his energy and zeal to educate the Filipino people has transformed ordinary consumers into investors.

As an advocate of Financial Literacy, I’m happy and proud to be part of this project, where I get the chance to share to others the opportunity to learn more about financial education. Our economy and our country as a whole, has so much to offer, and we hope that through these workshops, we’d be able to help and encourage our kababayans to take part in its progress.

This October, we’re going to have our fifth run of Stock Smarts and it will be a rerun of the Comprehensive Technical Analysis series with the same modules.

Stock Smarts CTA October 2015 Poster

Whether you’re a complete newbie in the stock market or you’re already investing or trading, I personally invite you to this upcoming Stock Smarts series. Technical Analysis is one of the best tools to find the perfect timing in buying and selling stocks. Having the knowledge of Technical Analysis will help you trade or invest in the stock market with confidence.

Plus, in these workshops, participants will be given a chance to analyze stocks using the different techniques that Marvin will teach.

For more info and to register in these workshops, please visit Manila Workshops. You may also CONTACT ME directly or post your comments below.

See you there! 🙂

Banks BDO

BDO Online Banking: How to Enroll your Account and Pay your Bills Online

It’s sweldo day!

I know when it’s my sister’s pay day because she would send me multiple text  messages asking me to transfer her funds from her BDO Payroll Account to my BDO Personal Savings Account for me to pay her bills online. I already taught her how to do this several times, but she prefers to let her Ate do it for her.

Sometimes, I don’t want to do it for her because I want her to be more independent and responsible by doing simple tasks like paying her bills, but because she’s my little sister and I can hardly say no to her, I would often do it myself. And I don’t mind because it just usually takes a minute or two to pay her bills online with BDO Online Banking.

Want to know how I do it?

Sure! It’s very simple! 🙂 And I even created video tutorials to make it easier for you to understand the steps.

Before you can pay your bills online, you first need to do the following steps

1. Enroll your BDO Account in BDO Online Banking.

a)      Go to

b)      Click “Enroll Now!”

c)       Read the “Electronic Banking Terms and Conditions” and tick the box if you fully understood it, then hit Submit.

d)      Fill-out the Online Enrollment Form, making sure to put a check on the Internet Banking box *, and then click Submit.

e)      Take note of your ATM Activation Code in the acknowledgment page as you will use this to activate your Internet Banking account using your BDO ATM Debit Card

f)       Activate your account at any BDO ATM within 45 days* You can also enroll in Mobile and/or Phone Banking by putting a check mark in their respective boxes.

2. Enroll the Company / Biller in BDO Online Banking for Bills Payment.

a)      Go to

b)      Hover over Online Banking Login and Click BDO Online Banking

c)       Login with your username and password

d)      Enter your OTP (One-time Password) which you will receive through your registered mobile phone number; OR answer the Challenge Question.

e)      Click Enrollment Services > Company/Biller > Enroll.

f)       Fill-out the information needed then click Submit.

3. Pay your Bills Online with BDO Online Banking.

a)      Go to

b)      Hover over Online Banking Login and Click BDO Online Banking

c)       Login with your username and password

d)      Enter your OTP (One-time Password) which you will receive through your registered mobile phone number; OR answer the Challenge Question.

e)      Under Quick Links, click the Icon with the Peso sign; OR click the right arrow under Actions, which is located at the far right side of your Account Number, then click “Pay my Bills”

f)       Fill-out the information needed: Pay from, Pay this Company/Biller, Amount, and Remarks, then click Submit.

For Meralco Bills Payment, you also need to enter the following:

·         Subscriber Number (first 11 digits of the ATM Phone Ref Number on your Meralco Bill, located on the lower left portion),

·         Subscriber Name (the subscriber name on your Meralco Bill).

·         ATM Phone Ref. No. (the last 5 digits of the ATM Phone Ref. No. on your Meralco Bill).

g)      Under Payment Schedule, click Immediately (or you can also choose Later Date or Regular Schedule) , then click Submit.

Click HERE to read the next post on how to Enroll and Transfer Money or Funds to Third Party or Other Person’s Account.

Source: BDO Unibank Inc. (PH)

Gov't Services SSS

When and Where to Pay your SSS Contributions as Voluntary Members

I’m currently a voluntary member of SSS or the Philippine Social Security System, and I pay my contributions quarterly. Today is July 10 and it is the last day to pay my contributions for the last quarter which includes the months of April, May, and June 2015.

I went to SM, where I usually pay my SSS contribution through their Business Services, and it’s the nearest and most convenient payment center for me. I was lucky because I was accommodated immediately and I didn’t have to wait and line up in long queue like what I normally do.

Pay your SSS contribution at SM Business Services

In this post, I will share with you some information and tips on how and where to pay your SSS contributions as a Voluntary, Self-employed, or OFW member.

  1. How much should you pay for your SSS Contribution?

Your contribution is based on how much your compensation is. Below is the latest SSS Table of Contribution of 2015. The minimum contribution for SE (Self-Employed), VM (Voluntary Member), and OFW (Overseas Filipino Worker) is Php 110 if your compensation ranges from Php 1,000 to Php 1,249; while the maximum is Php 1,760 if it ranges from Php 15,750 and higher.

SSS-Contribution-Table 2015

  1. When to Pay your SSS Contribution?

For Household Employers, Self-Employed, and Voluntary Members except OFW members, you can pay your contributions on or before the deadline. The payment deadline falls on the month following the applicable month or quarter.


For example in my case, since I need to pay my contributions for the previous quarter including the months of April, May, and June, the payment deadline is in July. What specific date in July? Here’s the guideline.

  • If the 10th (last) digit of your Social Security Number ends in 1 or 2, the deadline is on the 10th day of the following month.
  • If the 10th (last) digit of your Social Security Number ends in 3 or 4, the deadline is on the 15th day of the following month.
  • If the 10th (last) digit of your Social Security Number ends in 5 or 6, the deadline is on the 20th day of the following month.
  • If the 10th (last) digit of your Social Security Number ends in 7 or 8, the deadline is on the 25th day of the following month.
  • If the 10th (last) digit of your Social Security Number ends in 9 or 0, the deadline is on the last day of the following month.

In my case, the last digit of my SS number is 1, and the deadline of my payment for the last quarter (April, May, June) is the 10th of the following month, and that’s today, July 10.

SSS payment deadline guide

Why is it important to know the payment deadline?

Because if you miss to pay on or before the deadline, you won’t be able to pay your contributions for the previous months. SSS does not accept retroactive payments. 

  1. Where to Pay SSS Contribution as a Voluntary Member?

There are several payment centers and options where you can pay your contributions.

SSS Payment Facilities

  • SSS Main Office – Cashiering Department
  • SSS Branch Tellering Counters
  • CIS Bayad Centers
  • SM Business Centers
  • SSS-accredited Commercial Banks

For Members Abroad

  • I-Remit
  • PNB Overseas Payment System
  • Ventaja
  1. How to check if your payment was accepted and posted online?
  • Go to (preferrably with Internet Explorer)
  • Log in to your SSS Online Account (If you don’t have it yet, you have to register first. Click HERE to know how).
  • At the E-Services Page, hover your mouse over Member Info, and under that, click Actual Premiums. (Click HERE to see my video on this).

I also created a video to guide you on how, when, and where to pay your SSS Contributions.

Read Next: How to Invest in SSS Flexi Fund

Helpful Tips Random Updates

Club Ultima Gift Certificate: Crown Regency Hotel Booking Issues

This is the second part of my Club Ultima experience. I suggest you click HERE first to read the first part.

Okay, so I finally got my gift certificate for a 3D2N stay in Crown Regency Hotel cared of Club Ultima. It was a good timing because I and my family were planning to go to Cebu that time for a short vacation, and I knew that there’s Crown Regency in the city.

In this post, I’ll share with your our email conversation with one of the staff from Club Ultima. I won’t disclose her name here, but if you want to know her, just post a comment below or fill out the contact form.

ME: (7/1/2014)

I went to Club Ultima / Crown Regency Westlife Bldg, West Ave, Quezon City branch last night. They gave me the gift cert for 3 days and 2 nights stay.

I would like to know how much would it cost if I book a reservation for Cebu Crown Regency Hotel and Towers on July 12-14, 2014. Attached is the scanned copy of the gift certificate.

CLUB ULTIMA: (7/2/2014)

If you will book using the gc attached, there’s a Php3,000 booking fee as stated at the gift certifcate. However, we don’t have available room on June 12-14, 2014 at Crown Regency Hotel & Towers.
Thank you.

ME: (7/2/2014)

I’m willing to pay for the booking fee of P3,000 just to avail this gift certificate. I don’t get the point of giving away these certificates if we cannot use it. When they invited us to their office to claim this gift, they never mentioned that there’s a booking fee. They said this 3D2N stay was absolutely FREE. I was surprised when they wrote in the cert that there’s still such fee. Why is that so? Because I did not sign up for the membership? That’s unfair. First of all, I did not ask for this gift. They called me several times and convinced me to claim this. And even with a busy schedule, I spared time just to go to their office and claim it.

When I got there, I listened to their presentation. I treated them well and with respect. I searched for this scheme on the internet before I headed over to their office. And I found so many negative posts, blogs, and comments about this. I don’t know if you’re aware of that… You should be because these will definitely affect your business.


But again, even if I already had an idea of what’s going to happen, I still allotted my time. I wanted to know and experience it first hand so I went there. I was hoping it will be different. I was hoping that all the negative comments about club ultima were all wrong. And I was hoping that I would be the first blogger/writer who would write positive posts/comments/reviews about Club Ultima and Crown Regency.

With all honesty, the presentation went well. The ‘officer’ who entertained me was nice and not ‘pushy’ unlike those from the other tables. I love traveling and I found the membership and benefits worthy. But I declined the offer because I wasn’t ready to pull out money from my account to pay that big amount for a luxurious getaway. Then they gave my gift cert and assured me that I will be able to use it. So I called and you asked me to send a copy of that cert with the booking dates. I did. Now I got our reply that the dates were fully booked.  That’s ridiculous! I searched on different travel websites, Agoda, Asiatravel, Expedia, and even your own site and tried to book the same dates and it’s not fully booked. I swear! Lots of available rooms.

Now I get to understand why so many people out there have negative thoughts about club ultima. Why do these telemarketers say it’s free when it’s not? Why give these certificates if the dates are always fully booked when we are about to use it?  Sorry that I am saying this to you. It’s not you personally, but your services. You have good hotels with good facilities and amenities. But if you continue doing such schemes, you’ll be losing a lot of clients and customers. This email is not intended to destruct your company but to give you a wake-up call of what other people are talking about on the internet regarding your services. It’s more of a constructive criticism, and not destructive at all.

 Click the link below if you want to learn more about what I’m talking about: Negative posts and comments about Club Ultima

Please don’t get me wrong here. I’m just sharing out my point. Now, having said all these, I would like to go back to my original query. Can I still possibly book my reservation for these dates? Or will you still tell me that it’s still fully booked? Thank you very much for reading. I hope you also forward this to your management.

Club Ultima Crown Regency Gift Certificate 2
Club Ultima Gift Certificate for 3D2N Stay at Crown Regency Hotel

CLUB ULTIMA: (7/2/2014)

I understand your predicament, however, we only have room allocations for this certificate and your preferred dates were full already at Crown Regency Hotel & Towers. Yes, there are still available rooms on the websites you mentioned and even our online bookings, but it’s also their room allocations from Crown Regency which are not yet taken.

As stated in the mechanics of the gift certificate, it is subject to room availability and a minimum of two weeks advance booking is required. This is to make sure that we can get a room for our guest since we receive plenty of bookings using gift certificate like yours. If you really want July 12-14, what can I offer is Crown Regency Residences in V. Rama Ave, Guadalupe Cebu City and if you want Crown Regency Hotel and Towers, you may change your schedule in later dates. Thank you.

ME: (7/2/2014)

You know what, one of your telemarketers, Andrei Santos 09228825695, called me just 20 minutes ago, he was inviting me again to club ultima presentation at West Ave. He’s the one who called me 2 wks ago. He said the same exact thing. I clarified about the 3D2N stay gift cert that you’re giving and I asked him if I can book a reservation for next week and he said yes. I asked if it’s not fully booked at crown regency hotel Cebu, and he said no. meaning he confirmed that I can use the gift cert anytime, even next week, July 12-14,2014. and when I told him that he already called last time and I already went to club ultima west ave, he was surprised. I told him that I’ve been trying to book our Cebu travel next week and that you told me that it’s fully booked and he said that it’s not. that I can book for next week at the hotel, not at the residences. then he said he will contact reservation to clarify this and said that he will call me back in 5 minutes… I asked for his email so I could forward our conversation, but he said no need coz he’ll call me right back. he even said that he’ll email me so I can have his email address. I told him I’m going to give him my email add since I haven’t given it yet, but he HUNG UP on me…

how do u think can he send me an email without him knowing my email add??!! what’s wrong with these guys? they were really nice and friendly when they’re inviting, and now that i need them, they’ll just hang up like that?!?!? and see, it’s been 30 minutes and he hasn’t called me back!?! Please advise on what i need to do with these issues. i am sooo disappointed with you guys.. im not a member of club ultima, but i guess this is not how you’re supposed to treat your potential clients. Thanks!

CLUB ULTIMA: (7/5/2014)

In behalf of Club Ultima, we would like to apologize of your experiece with one of our telemarketers. Rest assured that their department will take actions on this matter. I’m writing regarding your reservations/booking on July 12-14, 2014.   We do have an availability at Crown Regency Residences, Guadalupe, Cebu on your preferred date. However, we are fully booked at Crown Regency Hotel and Towers since we are only given room allocations. Let me also point out that one of the mechanics stated in the certificate says, . 1. “Subject to room availability. Minimum of 2 weeks advance booking is required.”

If you really prefer to be book at Crown Regency Hotel and Towers, kindly provide us other date instead. Or you can have it book some other time as our certificate has no expiration date. Again, we apologize for what had happened. Thank you.

Club Ultima Crown Regency

That’s the end of our email thread. I didn’t reply anymore because I was just so disappointed with Club Ultima. We were able to go to Cebu for our short vacation but we didn’t stay at Crown Regency Hotel. We stayed in another hotel instead.

But since she said that the gift certificate has no expiration date, I might reconsider booking a reservation at Crown Regency Hotel in Cebu in the future.

I checked Crown Regency’s current rate and for a Superior Room, it’s Php 3,050 per night. If I use the gift cert, they said that I only have to pay Php 3,000 for the booking fee and I can stay there for 3 days and 2 nights. Hmm, not badif it’s true and if there are no other charges. It’s like a 50% discount for me.

Oh well, I have no plans of going to Cebu in the near future, but I’ll see if this gift certificate from Club Ultima is even worth considering.

Helpful Tips Random Updates

Club Ultima: 3D2N Stay at Crown Regency Hotel GC – How True?

On June 30, 2014, exactly a year ago, I went to the office of Club Ultima at Westlife Bldg, West Ave, Quezon City. It was a 20-30 minute walk from North Avenue MRT Station.There were jeepneys going there but I preferred to walk. Then I saw the building with the big signage of Westlife. I went to the second floor and I recognized their office easily because there were pictures of Crown Regency Hotels on the wall.

I went in and asked the receptionist how to go about claiming the gift certificate that I had won in a raffle according to the guy who called me a week ago.

Okay, here’s what happened…

I got a call from this number +639228825695 on June 20, 2014. He said he’s Andrei Santos from Crown Regency Hotel and he told me that I won in a raffle and I was entitled to a 3D2N stay at Crown Regency Hotel. He was inviting me to their office to claim the gift certificate and sent me the details through SMS. Then I remembered this lady who approached me and my husband while we were grocery shopping at Shopwise Cubao the week before.

Club Ultima Crown Regency
Club Ultima Crown Regency Raffle Stub

And here’s the text message from Andrei Santos…

“(FORMAL INVITATION) CROWN REGENCY HOTEL ofc. 2nd flr. Westlife Bldg. Cor Bulacan St. West Ave. Quezon City (at the ground flr you will see starbucks cafe and panciteria lido). Few blocks away at SM North Edsa. We are inviting you to claim your gift certificate. Together with your spouse. See you tomorrow Saturday. June 21, 2014 around 1:30 to 3pm. Just bring your 1 valid ID. And stay for the complimentary buffet to be served, kindly finish the 90 minutes awarding presentation for you to see the complete facilities and amenities, and to choose your best destination. The gift certificate 3 days and 2 nights stay at Crown Regency Hotel, good for (2 adults / 2 kids), NO VALIDITY PERIOD. Again no financial obligation, no commitment. Kindly look for me Mr. Andrei Santos or Ms. Kimberly our receptionist. (02) 346-8716 Thank you and God bless.

I thought I was so lucky to have won in the raffle, but when I searched about this on the internet, I was shocked when the search results came up with different blog posts and reviews related to this. And 90% of them were negative!

When Andrei Santos called earlier that day, I confirmed that I was going to their office the next day to claim the gift certificate. But I changed my mind after reading the negative reviews about Club Ultima. So I texted him that I won’t make it because of “another appointment”. Then he called again and told me that the gift certificate can only be claimed the next day, otherwise, it will be given to another person. Then I said it’s okay and he hung up.

I thought that was over. But a week after that, he called again, and told me that I won the raffle. He used the same spiel and he sent me the same text message except for the date. I wasn’t sure if he was aware that he already contacted me or if he was just pretending like nothing happened when we had a conversation the week before. But it seemed like he wasn’t aware. So I listened to him and I also pretended like it was my first time to hear about it.

This time though, I agreed to claim the gift certificate from their office, because I wanted to know what happens there and how they’re able to convince their potential clients to sign up for their offers…

Club Ultima Office at Westlife Bldg Quezon City
Club Ultima Office at Westlife Bldg, Quezon City

So I went there. I talked to the receptionist then she introduced me to one of their account managers, whose name was Susan, who said that she’s a dentist by profession and a travel account manager on the side. She looked professional. She smiled all the time. She was nice and friendly.

Oh, by the way, there was free dinner and it looked yummy. And while all the other guests were eating, I preferred not to eat because I thought that it would be a little awkward to say NO, NO, NO after I ate their food. 🙂

Back to business…

Before I could claim the gift certificate, she said that I need to watch the video first and listen to her presentation. Okay. I obeyed. She was nice so I also tried my best to be nice even if it was taking longer than I expected. She said that it was only going to take around 30-45 minutes but it actually took 2 hours to finish her presentation.

She showed me various travel destinations, 5-star hotels, sophisticated accommodations and amenities, and all that kind of stuff. I felt like I was in dreamland, but I tried to keep myself sane by saying NO to whatever she was trying to sell. Then she mentioned huge amounts of money from Php 500,000 to Php 200,000, to Php 100,000, until she said it’s okay if I couldn’t afford to pay the full amount yet, but I had to pay at least Php 10,000 to secure my reservation for their promo.

Why in the world would I do that?!

Of course, I said no and I told her that I had no money. Then she asked if I have a credit card, I said none because I intentionally didn’t bring it. Then she asked if I have an ATM, I said yes, but there’s no available balance in it. She tried to convince me to give her my ATM card details, but I refused and only then I said that I need to go and I need to claim the gift certificate that they promised to give after the “short” presentation. She talked to her manager, who approached me and further explained the features, advantages, and benefits of what they were offering, and tried to convince me to sign up, but just like what Tita Susan got from me, I refused and I firmly said NO, thank you!

Finally, I got my gift certificate.

Then I called Crown Regency the next day to confirm if that was really valid. They said yes and on my next post, I’ll share with you what we’ve talked about after that…

Click HERE to read the continuation of this post.