Emergency Fund

[freelancer_babe]

ang ganda ata ng HMO yan, anong health care company yan? at pwede pa overseas? i hope you could give me the website link, sana affordable din sila.

indeed, you need one nga and you can't skip it. since patapos na ang educ plan eh di konting higpit muna ng sinturon; then place a bigger budget on emergency fund after the last premium.

and you say you work overseas? better not use any Philippine banks for emergency funds. use them for remittances/extra savings/if you want to put up a house. may currency exchange rate fee kasi. better open a bank in your country of residence using their currency for the EF.

If you are here in the philippines, pinaka-mataas magbigay ng interest ang BPI Maxi-saver among the options you have mentioned. pwede pa nga ang time deposit or SDAs.

personally, I'm against BDO products because of their service fees. check out their site against BPI's - mas mataas ang fees nila if you are not careful with your account.

My BPI account is in a plain savings account lang (because I may not be able to meet the min. balance requirements in two month's time for a BPI Maxi Saver account if ever I would have to raise the funds again) and the others are in their SDA (check out mo na lang ang SDA thread to know more about it).

In any way, never put emergency funds into rural banks no matter how attractive their interest rates are. Yan ata yung "local banks" na sinasabi mo. Madali silang malugi and even if your deposit is insured, it's not very fast to get the money back. You hear them all over the Philippine news.

[chefron]

mga sis, ang unpaid house and lot, lots, car eh liability diba? tama ba intindi ko?

[mameejhy]

^thats why you have to treat your savings as an expense.

I like your analogy

[mameejhy]

ang ganda ata ng HMO yan, anong health care company yan? at pwede pa overseas? i hope you could give me the website link, sana affordable din sila.

Axa - It's here in Qatar. We could use it anywhere except in Asian countries (Philippines, China etc)

indeed, you need one nga and you can't skip it. since patapos na ang educ plan eh di konting higpit muna ng sinturon; then place a bigger budget on emergency fund after the last premium.

Noted.

and you say you work overseas? better not use any Philippine banks for emergency funds. use them for remittances/extra savings/if you want to put up a house. may currency exchange rate fee kasi. better open a bank in your country of residence using their currency for the EF.

Hmm, sabagay... iniisip ko kasi kung dito idedeposit eh baka ma-withdraw lang namin; mas malaki ang chance na hindi namin magagalaw yun nasa Pinas na account.

If you are here in the philippines, pinaka-mataas magbigay ng interest ang BPI Maxi-saver among the options you have mentioned. pwede pa nga ang time deposit or SDAs.
personally, I'm against BDO products because of their service fees. check out their site against BPI's - mas mataas ang fees nila if you are not careful with your account.

Will research more on this...

My BPI account is in a plain savings account lang (because I may not be able to meet the min. balance requirements in two month's time for a BPI Maxi Saver account if ever I would have to raise the funds again) and the others are in their SDA (check out mo na lang ang SDA thread to know more about it).

Interested rin ako sa SDA (saka Mutual Fund and UITF) pero walang ganun dito na offered and BPI o BDO. Siguro pag uwi namin sa Phils this year... but, I plan to get another Insurance. Oh well, financial plans...  Parang nakaka addict mag save and invest! (I told hubby yesterday, since we got our Nuvali lot parang gusto ko bumili ng properties every year lol Syempre impossible naman yun! )

In any way, never put emergency funds into rural banks no matter how attractive their interest rates are. Yan ata yung "local banks" na sinasabi mo. Madali silang malugi and even if your deposit is insured, it's not very fast to get the money back. You hear them all over the Philippine news.

No, I'm referring to banks here in Qatar. There are currently 2 banks offering a 4% interest per annum but, additional money has to be deposited monthly & the money shouldn't be touched for 2 years. Medyo mabigat kasi more than 50,000 pesos (if converted) ang minimum to open an account eh what if kailangan agad yun pera...

Speaking of rural banks in the Philippines - mataas yata ang interest sa Rural Bank of makatai, diba? Hindi ba sila stable?

[mameejhy]

Emergency savings fund for others but for me, I would rather call it safety fund because it is more positive and considering the law of attraction! When you say Emergency, you may attract emergency scenarios, so I would rather call it as a safety saving fund. Starting a safety fund is one of the fundamental building blocks in building a personal finance foundation for yourself. Many personal finance gurus agree that this is one of the first things you should do, before investing, buying cars, and houses or simply say, before you fund other expenditure. It also ranks ahead of paying off high interest debt. It’s not a flashy topic, but smart personal finance has little to do with flash. This post will cover why you need safety savings, how much you need, and where to put it.

I'm reading yur blog right now

http://www.investorluranski.com/2011/06/emergency-safety-savings-fund-101.html

 What a coincidence!

[freelancer_babe]

ang ganda ata ng HMO yan, anong health care company yan? at pwede pa overseas? i hope you could give me the website link, sana affordable din sila.

Axa - It's here in Qatar. We could use it anywhere except in Asian countries (Philippines, China etc)

Wala pa talaga akong makitang HMO na kasing OK sa place nyo. Pero sa lahat ba naman ng hindi pwede sa Asian pa? hehe.

Pareho kaya ang AXA dyan sa AXA dito? Life insurance ata ang AXA Life dito. Medyo turn off ako sa agents nilang makukulit!

and you say you work overseas? better not use any Philippine banks for emergency funds. use them for remittances/extra savings/if you want to put up a house. may currency exchange rate fee kasi. better open a bank in your country of residence using their currency for the EF.

Hmm, sabagay... iniisip ko kasi kung dito idedeposit eh baka ma-withdraw lang namin; mas malaki ang chance na hindi namin magagalaw yun nasa Pinas na account.

Baka malaki rin kasi ang difference. Lalo ka pang talo dahil double conversion ang mangyayari. Thousands of pesos rin, or even tens of thousands of pesos ang pwedeng maging loss. At isa pa, kailangang ATM account yan na pwedeng i-withdraw dyan - at hindi na dapat uuwi ng pinas para i-withdraw.

Wala bang time deposit sa mga bangko dyan? Or passbook accounts? Kadalasan enough na ang ganyang financial instruments para hindi madaling magalaw ang funds. Try nyong maghanap ng banking instrument na safe/less risky sa losses, very liquid at easily accessible kung kinakailangan na tulad ng savings, time deposit at SDA accounts.

My BPI account is in a plain savings account lang (because I may not be able to meet the min. balance requirements in two month's time for a BPI Maxi Saver account if ever I would have to raise the funds again) and the others are in their SDA (check out mo na lang ang SDA thread to know more about it).

Interested rin ako sa SDA (saka Mutual Fund and UITF) pero walang ganun dito na offered and BPI o BDO. Siguro pag uwi namin sa Phils this year... but, I plan to get another Insurance. Oh well, financial plans...  Parang nakaka addict mag save and invest! (I told hubby yesterday, since we got our Nuvali lot parang gusto ko bumili ng properties every year lol Syempre impossible naman yun! )

Life insurance? para kanino? Better think twice, thrice about getting one. One life insurance each sa inyo ng hubby nyo is enough. Wag mo na insure ang kids mo, hayaan mo na silang bumili ng plans paglaki nila - kaya nila yan, and it's also possible din na ang company na papasukan din nila ay i-cover rin sila sa insurance. You can just invest your money on other things na lang - like real estate pa rin or passive investments. Wag nyo na payamanin ang agent, please.

Merong UITF ang BPI at BDO.. Actually sa mga bangko ang UITF, while sa mga insurance companies ang mutual funds. You could inquire naman or check mo ang websites nila. Nasa asset management section usually yun.

In any way, never put emergency funds into rural banks no matter how attractive their interest rates are. Yan ata yung "local banks" na sinasabi mo. Madali silang malugi and even if your deposit is insured, it's not very fast to get the money back. You hear them all over the Philippine news.

No, I'm referring to banks here in Qatar. There are currently 2 banks offering a 4% interest per annum but, additional money has to be deposited monthly & the money shouldn't be touched for 2 years. Medyo mabigat kasi more than 50,000 pesos (if converted) ang minimum to open an account eh what if kailangan agad yun pera...

Speaking of rural banks in the Philippines - mataas yata ang interest sa Rural Bank of makatai, diba? Hindi ba sila stable?

Mukhang ok ang banks dyan, pero just like the Philippines be sure to check, baka madali ring malugi ang banks dyan kaya mataas magpa-interest. Generally, the lower the interest, the more stable the bank - ganun kasi dito ang mga bangko sa Pinas, kaya baka ganyan din dyan.

Basta rural banks hindi stable. Wag mo dyan ilagay ang EF. Treat rural banks as investments instead tulad ng real estate properties mo, kung gusto mong maglagay ng pera sa kanila you should understand that you could not have ready access to your money kung sakaling magsara ang bangko. Kumbaga nagbabaka-sakali ka kung kikita ka sa mga ito o hindi.

[mameejhy]

*Back read mode*

ang ginagawa ko ngaun, may 3 akong coinbanks na nilalagyan ko ng pera, un isa, puro P5 and P10 coins lang, un isa, P20 at P50 bills nakalagay, un 3rd, puro P100. 

Kumusta na ang pag iipon mo, sis?

Na inspire mo ako kaya nag start ako maglagay daily ng pera sa 1 envelope. At the end of the month, ilalagay ko sa bank.

But as of now, my target is just 1 month worth of hubby's salary... Ganito ginawa ko -

1 mo salary/ 12 mos/ 30 days = itatabi ko sa envelope.

Yeah, alam ko maliit lang pero try ko muna kahit maliit lang kasi baka mabigla naman eh wala na kami maibayad sa mga bayarin na iba hahaha...

need muna unahin ang emergency before life insurance?
eh hindi ba mas parang safe ang life insurance muna before emergency fund? as we all know hindi natin alam kelan tayo mamamatay
baka hindi pa nabubuo ang emergency fund tigbak na tayo.

Oo nga hahaha

hay mag iipon pala muna ako ng ang EF ko bago mag business ulit.. thanks po dito.. ♥

But, you may take a business loan, right?

sis yung emergency fund kasi pwede mo magamit halimbawa nagkasakit ang magulang o anak o asawa mo. pwede din gaya nga ng example ni sereiuqse
during calamities. life insurance magagamit mo lang yun depende sa policy coverage (hospitalization mo, na-accident ka... etc). emergency fund pwede mo gamitin ang pera mo kung saan mo kailangan, walang limit. just my opinion.

Eto lang medyo nag iisip ako... Kasi dito pag na oospital kami, halos libre lahat. Like nanganak ako, around 1,800 pesos (converted) lang ginastos namin sa hospital + doctors + medicines. Nun na ospital yun baby ko (less than 1yr old) free lang as in zero fees...

Siguro motivation ko na lang is job loss... Haayyy...

I subscribe to the belief na dapat ikalat yung money -- a little sa emergency fund, a small insurance,
some for the splurges (in my case gusto ko magtravel ng bongga kahit once a year lang), then some for investment/business. Kahit pakonti-konti okay lang basta nakaspread ang money.

Gagayahin ko to - Spread the money...

Kung alin ang kelangan mauna - insurance or emergency fund?  Hmmmm....  I don't know. Pareho silang kelangan eh.  Pero for some reason, mas matimbang sakin ang insurance - depending on your situation siguro.  Kasi if secure ka naman sa job mo, you will need insurance more. Pero kung alam mong tagilid ang company mo at hindi ka pa nakakahanap ng work, baka kelangan mauna ang emergency fund.

Mas mainam siguro - may life insurance na binabayaran habang may emergency fund

[mameejhy]

siguro it depends on their situation on how they view an emergency.

This is correct. Different people have different emergency situations...

[marssie]

and you say you work overseas? better not use any Philippine banks for emergency funds. use them for remittances/extra savings/if you want to put up a house. may currency exchange rate fee kasi. better open a bank in your country of residence using their currency for the EF.

This one is for sis mameejhy pero makikicomment ako Ganito din plan namin ni hubby dati,open na account then dito mag-ipon, pero dahil hindi rin stable ang middle east kasi, di naman sa nagiging paranoid, pero pag nagkaron ng war,freeze agad ang account mo, so mas safe pa rin sa amin ang nasa pinas ang mga savings   By the way, nasa Qatar din ako

[freelancer_babe]

^ in that case, kung madalas palang magfreeze ng account dyan, then it would be better to have an ATM account here sa pinas or some other country. ATM account na pwedeng i-access dyan sa local ATMs nyo.

yun nga lang, may losses sa exchange rate. you're hit twice sa loss dahil 2 beses ang currency conversion. but you might prefer losing thousands than having a useless bank account.

[mameejhy]

Wala pa talaga akong makitang HMO na kasing OK sa place nyo. Pero sa lahat ba naman ng hindi pwede sa Asian pa? hehe. Pareho kaya ang AXA dyan sa AXA dito? Life insurance ata ang AXA Life dito. Medyo turn off ako sa agents nilang makukulit!

Baka malaki rin kasi ang difference. Lalo ka pang talo dahil double conversion ang mangyayari. Thousands of pesos rin, or even tens of thousands of pesos ang pwedeng maging loss. At isa pa, kailangang ATM account yan na pwedeng i-withdraw dyan - at hindi na dapat uuwi ng pinas para i-withdraw.

Wala bang time deposit sa mga bangko dyan? Or passbook accounts? Kadalasan enough na ang ganyang financial instruments para hindi madaling magalaw ang funds. Try nyong maghanap ng banking instrument na safe/less risky sa losses, very liquid at easily accessible kung kinakailangan na tulad ng savings, time deposit at SDA accounts.

Life insurance? para kanino? Better think twice, thrice about getting one. One life insurance each sa inyo ng hubby nyo is enough. Wag mo na insure ang kids mo, hayaan mo na silang bumili ng plans paglaki nila - kaya nila yan, and it's also possible din na ang company na papasukan din nila ay i-cover rin sila sa insurance. You can just invest your money on other things na lang - like real estate pa rin or passive investments. Wag nyo na payamanin ang agent, please.

Merong UITF ang BPI at BDO.. Actually sa mga bangko ang UITF, while sa mga insurance companies ang mutual funds. You could inquire naman or check mo ang websites nila. Nasa asset management section usually yun.

Oo AXA eto yun wbsite nila - http://www.axa-gulf.com/ 

Sis, what do you mean by Lalo ka pang talo dahil double conversion ang mangyayari. ?

May mga Time Deposits and Savings Account syempre dito pero malaki ang minimum deposit almost 60k Pesos (if converted) eh pang monthly ko na sa Nuvali lot yun  Eto yun Bank na sinasabi ko na may 4% interest + life insurance na inaalok; almost 20k pesos (if converted) lang ang minimum -http://www.dohabank.com.[textspeak!]/1/en/Personal/Accounts/Deposits/SmartSaverDeposit.aspx

Was thinking of getting a life insurance with vul for hubby and for myself. Naka insured lang si hubby sa yun naka bundle sa educational plan ni child #1. I want a bigger amount kasi 3 kids na; 1 kid pa lang nun kumuha kami ng educational plan eh...

Yeah, I checked BDO and BPI's websites kanina. Sumilip na rin ako sa sunlife phils at philamlife hehe information overload na nga ako!  Isasama ko sila sa Things to Do ko pag vacation sa Phils

This one is for sis mameejhy pero makikicomment ako Ganito din plan namin ni hubby dati,open na account then dito mag-ipon, pero dahil hindi rin stable ang middle east kasi, di naman sa nagiging paranoid, pero pag nagkaron ng war,freeze agad ang account mo, so mas safe pa rin sa amin ang nasa pinas ang mga savings   By the way, nasa Qatar din ako

I know you're in Qatar - sumasagot ako sa ibang questions mo dun *Meet tayo one time. Nag meet na kami nila Mafee etc*

Pero sis, Qatar to! This is the safest in the Middle East (mas safe pa nga dito kesa sa Phils hehe) and the richest country in the world As far as I know, hindi pa nagkaka war dito

Check mo Doha Bank Smart Saver yata name ng account - they offer 4% interest + life insurance. Kaya ko to nalaman kasi naging guest namin (sa former company ko) yun isang relationship manager nila.

Tip ko nga pala: if ever mag personal loan ka sa kahit anong banks dito eh may life insurance na kasama which means pag may nangyari sa nagloan ay considered as paid na yun loan.

^ in that case, kung madalas palang magfreeze ng account dyan, then it would be better to have an ATM account here sa pinas or some other country. ATM account na pwedeng i-access dyan sa local ATMs nyo.

yun nga lang, may losses sa exchange rate. you're hit twice sa loss dahil 2 beses ang currency conversion. but you might prefer losing thousands than having a useless bank account.

Sis, as what I've said earlier never pa nagka war dito hehe Yun mga personal loans dito may kasamang life insurance; ang employee once confirmed na sa work pwede na magloan kahit 2MPhp (converted); ang credit cards and car loans inaalok na sa employees once confirmed sa work. Ka lurkey dito - ikaw ang tatanggi sa loans kasi napakadali magloan. Yun mga pinoy sa office ko ngayon halos lahat may loan.

Yeah, I have BDO and BPI Direct ATM accounts here

Sis, what do you mean 'hit twice sa loss dahil 2 beses ang currency conversion'?

[freelancer_babe]

^ basta pag nagpa-convert ka ng pera sa ibang currency hindi talaga yung actual exchange rate ang nakukuha mo - lower than that.

For example, sa case ko sa US dollars at kukunin ko sa bank ito ng pesos. Kung ang palitan ngayon is $1 = P42.30 according sa google, yahoo, xe.com, etc... hindi talaga yan ang magiging exchange rate ko sa mga banks at remittances, kundi mas mababa pang peso equivalent. Baka mga $1 = P41.98 lang yan kung sa bangko, at lalong mas mababa pa kung remittances pa tulad ng Western Union ang gagamitin, mga $1 = P41.03. To think pa na yung Western Union may binabayaran pang sending fee doon.

Ganun din kung kailangan ko ng dollars. May similar conversion loss uli yan at hindi yung actual na posted na exchange rate sa market na makikita mo sa dyaryo o internet ang ginagamit.

Kung malaking pera yan, thousands rin ang losses dahil lang sa pagpalit ng currency. Kung $1000 yan, eh di P41,030 lang ang makukuha mo via Western Union imbes na P42,300 - may difference na P1,270. Isipin mo lang kung monthly ganito ang losses mo. Lalong mas malaki ang amount, lalong malaki rin ang losses.

Kaya kung kailangan ko ng dollars pag may emergency, mas mainam kung dollars din ang currency ng account at yung account ay nandoon din sa country kung saan yung work ko/nakatira mostly. Pinakahuli na sa isip ko ang yung arrangement na tulad ng iniisip mo sa taas, kasi di naman ako matagal sa pinas. Kaya yung sa iyo, dapat sa Qatar na lang at hindi sa pinas ang EF, at maghanap ka ng mga bank products na safe pero madaling maaccess pag emergencies pero hindi mo madaling magastos. Time deposits at passbook savings accounts ang mga ok gamitin dito - I'm sure meron ding mga kapareho/equivalent dyan, kasi ang concern mo lang naman is, ayaw mong magalaw ang funds mo. Try mo kaya yung money market funds kung meron at check mo rin ang performance kung nagsu-suffer rin ng loss.

Hindi ko masabi kung ok ang mga banks mo, pero para siguradong safe, stick ka sa mga established at malalaking bangko dyan.

Kung sa tingin mo mas safe dyan ang investments mo kaysa dito sa pinas, then mas maganda kung dyan na lang magbangko kaysa dito.

Buti dyan madaling magloan, pero I've heard na dyan din sa middle east, kung hindi makabayad, ay kulong lang ang gagawin? Pagkalabas pagkatapos ng term bayad na rin ang loan?

Kahit dito rin maraming may loans - kahit maliliit nga lang. Loan dito loan doon. Kami nga lang ang nag-apply.

[mameejhy]

^ ganun ba yun sis? Bakit pag nagdedeposit naman ako sa BDo o BPI, let's say 5,000 pesos pag check ko online sa accounts ko tama naman yun amount.

Hmm wala akong alam about kulong pero dito yun ibang pinoy uutang then uuwi na sa Pinas. Naka ban na sila dito pag ganun. lol

ETA: Mukhang wala naman hindi nagbabayad dito kasi ang loans ay naka automatic deduct sa salary ng nangutang. Saka may minimum salary para makautang - usually, minimum of 80kPhp (converted) monthly salary.

[freelancer_babe]

^ pina-convert mo na ata agad sa pesos bago mo i-deposit?

doon applicable kasi ang exchange rate fees, basta magpapaconvert ka. mas mababa sa actual rates sa market dahil may commission ang bangko. ask mo sa bangko kung ilang percent ang kinukuha nila pag nagpapaconvert ka ng currency (kung sa bangko mo na rin pinapaconvert)

[leelou]

^ experience ko kapag BPI, P140 less papasok sa account every remittance.

[mameejhy]

^ pina-convert mo na ata agad sa pesos bago mo i-deposit?

doon applicable kasi ang exchange rate fees, basta magpapaconvert ka. mas mababa sa actual rates sa market dahil may commission ang bangko. ask mo sa bangko kung ilang percent ang kinukuha nila pag nagpapaconvert ka ng currency (kung sa bangko mo na rin pinapaconvert)

Oo pinapa convert to pesos ko na sa remittance center.

^ experience ko kapag BPI, P140 less papasok sa account every remittance.

Talaga? Bakit sa akin hindi naman... Basta sinasabi ko lang example 3k pesos then check ko online 3k naman nandun hehe

ETA - Update:

I opened an account which gives 4% interest. Bawal magwithdraw for a year.

Sana tuloy tuloy na eto hehe 

[leelou]

^ forgot to mention, i send thru a bank not tie up with BPI kaya ganun. but if if affiliated bank, yup the same amount

[freelancer_babe]

ETA - Update:

I opened an account which gives 4% interest. Bawal magwithdraw for a year.

I hope that's not your emergency fund. Unless you just lose earning 4% interest benefit and just pay minimal fees kung i-terminate. As a rule, emergency fund should be very liquid and should be placed in safe financial instruments na halos walang loss of money - kung di nasunod ang condition na yan then it would defeat the purpose of an emergency fund.

I also hope it's not with any Philippine bank para walang loss sa currency exchange. The way I see it you lose twice sa currency exchange plus any bank fees - one is through sending the money, then another is when you need the money dyan sa country of work mo. And since you are in another country, the only easiest way you could access the funds in another country is through ATM, which could be subject to fees and currency exchange loss uli (and I don't think having an ATM account would solve your problem of not being able to spend the money in that account).

Palitan mo na lang sa piso kung meron kang paggagastusan sa investment sa Pinas, or need some spending cash here, or send money to relatives.

[mameejhy]

^ forgot to mention, i send thru a bank not tie up with BPI kaya ganun. but if if affiliated bank, yup the same amount

Ah kaya pala. Affiliated bank yun sa akin; affiliated with BDO rin sila.

I hope that's not your emergency fund. Unless you just lose earning 4% interest benefit and just pay minimal fees kung i-terminate. As a rule, emergency fund should be very liquid and should be placed in safe financial instruments na halos walang loss of money - kung di nasunod ang condition na yan then it would defeat the purpose of an emergency fund.

I also hope it's not with any Philippine bank para walang loss sa currency exchange. The way I see it you lose twice sa currency exchange plus any bank fees - one is through sending the money, then another is when you need the money dyan sa country of work mo. And since you are in another country, the only easiest way you could access the funds in another country is through ATM, which could be subject to fees and currency exchange loss uli (and I don't think having an ATM account would solve your problem of not being able to spend the money in that account).

Palitan mo na lang sa piso kung meron kang paggagastusan sa investment sa Pinas, or need some spending cash here, or send money to relatives.

Yeah, that's our emergency fund cum savings fund. Bakit mag lose ng 4% interest? Wala rin fees if i-terminate. Actually it also comes with free life insurance worth more than 3MPhp (converted). Ok lang nasa bank for 1 year ang money. If in case of job termination, we'll get a gratuity pay... kung uuwi kami sa Pinas, the gratuity pay is more than enough for 1 year's worth of expenses. 

No, don't worry it's a Qatar bank. Sis, as explained by leelou (see above) walang bank fees if affiliated with local bank so I don't lose on currency exchange or bank fees. Saka hindi naman namin kakailanganin yun money dito kasi we both have jobs and our companies will shoulder our airfares if we'll go home 

[freelancer_babe]

^ I think your choice of bank is cool for an emergency fund. At least you can still easily get the money at walang pretermination fee.

It might also be a good idea to open a separate account for savings - away from the emergency fund. Ako I call it sinking fund para sa mga things that I want to save up, like clothes, new gadget, etc. It's very tempting to spend the amount sa emergency fund, unless you are a very good in keeping track which funds are which (bookkeeping).

Pero emergency funds are not just for your job loss. Pwede rin kasing pang-replace din ng appliance na biglang bumigay - like a ref or a washing machine. Not for the TV though, unless you are earning income from it.

Sarap pala dyan sa Qatar, ganyan ba ang benefit ng lahat ng companies dyan? Kung pumalpak na ang pagfe-freelance ko, dyan na lang ako magwo-work.