Creating videos should be fun, fast, and easy. But for many people, it’s the opposite.
Video tools can be too expensive, too slow, or just too hard to use. That’s why more creators and marketers are looking for a smarter option.
Let’s meet some real people who found a better way — using Pollo AI.
👨💻 Ali from Canada: “This AI Tool Just Works”
Ali Aggour is a digital creator from Canada. For a long time, he felt stuck.
“Very good and recommend as an AI tool,” he shared on Trustpilot.
Ali had tried other tools before. Some were hard to learn. Others cost too much. But when he found Pollo AI, he was able to create short videos from just a photo and script — fast.
It saved him time, money, and most of all — stress.
🇺🇸 Edward in the U.S.: “Excellent Animation”
Edward Foy is from the United States. He helps small businesses get noticed online. But working with clients meant he needed tools that were fast, reliable, and looked professional.
“Excellent animation from photo generator,” Edward said in his review.
With Pollo AI, he could turn a still image into a talking video. That meant fewer hours editing — and more time helping clients grow.
🍁 Demarde from Canada: “Easy to Learn”
Demarde is another user from Canada. He’s not a video expert, but he wanted to start posting on social media.
“Image to video is easy to learn and I like it very much,” he said.
For someone who didn’t want to spend hours learning editing software, Pollo AI felt just right. A few clicks. A script. And boom — a video was ready.
He didn’t need a fancy computer. He didn’t need to be on camera. He didn’t even need to download anything complicated.
🎥 Watch How Easy It Is (Real Example)
Here’s a real video made with Pollo AI — it’s under 5 minutes!
👉 No editing. No voice recording. Just upload, type, and hit go.
🔥 Why Are So Many People Switching?
Here’s what makes Pollo AI stand out:
Problem
Pollo AI Solution
❌ Expensive software
✅ Affordable annual plan
❌ Complicated tools
✅ Simple and fast interface
❌ Long video edits
✅ Auto-generated in minutes
❌ No time to create
✅ Set it and forget it style videos
Whether you’re a:
YouTube Shorts creator
Instagram Reel maker
Course seller
Affiliate marketer
Coach or small business owner…
Pollo AI helps you get videos out fast and look good doing it.
“Consistent characters, good picture quality and fairly fast video generation. This image-to-video generator is in fact one of the best!” – Trustpilot Review
About the Author: Cris Dagami is an affiliate marketer and digital content creator focused on AI tools, video automation, and creator empowerment. Through real-world reviews and tutorials, he helps burnt-out creators and marketers find simple tools that get results without the stress.
✅ Free support for small moves (DIY or email support)
❌ Not offered by default
Done-for-you migration (larger systems)
💰 Paid service via experts ($100–$500+)
💰 Third-party help needed (costs vary)
Moving from ClickFunnels to Systeme.io
✅ Guides + templates to copy
❌ No official service provided
Moving from Systeme.io to ClickFunnels
❌ No native migration tool
❌ Manual work or hire a VA/agency
🧩 Feature Comparison Table
Feature
Systeme.io ✅
ClickFunnels 🔴
Funnel Builder
✔ Yes
✔ Yes
Email Marketing
✔ Yes (built-in)
✔ Yes (on all plans)
Online Course Hosting
✔ Included
❌ Add-on or 3rd party
Membership Site
✔ Built-in
✔ Yes
Webinar Tools
✔ On Pro Plan
✔ On higher plans
CRM & Tag Automation
✔ Yes
✔ Yes
1-Click Upsells & Downsells
✔ Yes
✔ Yes
Free Plan
✔ Yes
❌ No
A/B Testing
✔ Basic
✔ Advanced
🧠 Why Coaches & Consultants Struggle
Common complaints:
“Too many tools are slowing me down.”
“I just want one system to handle it all.”
“I’m spending more time setting things up than helping my clients!”
Here’s how each tool solves this…
✅ PROBLEM #1: “Too Many Tools”
Systeme.io Fix: All-in-one. Courses, emails, payments, and funnels in one place—even on the free plan.
ClickFunnels Fix: Great for funnels and emails. But you’ll still need extra tools for course hosting or appointment setting.
🎯 Winner: Systeme.io
✅ PROBLEM #2: “Tech is Holding Me Back”
Systeme.io Fix: Super easy interface. Drag-and-drop builder. No coding. Great for beginners.
ClickFunnels Fix: More features = more buttons. Can be confusing for first-timers.
🎯 Winner: Systeme.io
✅ PROBLEM #3: “I Don’t Want to Pay a Lot Just to Start”
Systeme.io Fix: Free plan to test everything. Upgrade only when ready.
ClickFunnels Fix: Starts at $97/month. No free version.
🎯 Winner: Systeme.io
✅ PROBLEM #4: “What If I Want to Move Platforms Later?”
Systeme.io has free migration help (if you’re switching from another tool). ClickFunnels offers no official help, so you’d need to copy everything yourself or hire someone.
🎯 Winner: Systeme.io
✅ PROBLEM #5: “I Offer Both Coaching and Courses”
Systeme.io Fix: Build coaching funnels + host your course in one account.
ClickFunnels Fix: Funnel builder is strong, but you’ll need Thinkific, Kajabi, or another tool for the course part.
A creator named Maya once set her alarm for 5:30 a.m. with a big plan: make three videos, write five posts, and schedule all her content for the week.
By 3 p.m., she had barely finished one video. The script felt rushed, the lighting was off, and she wasn’t happy with the final cut. Her desk was a mess, her mind exhausted, and her energy gone.
That evening, while scrolling on TikTok, Maya noticed a coach in her niche posting three videos a day. Each one was polished, on-message, and packed with value.
How was that even possible?
She clicked through to explore further.
That coach wasn’t doing it alone. She had a system. One that provided content ideas, ready-made scripts, and tracked results with ease.
That’s when it became clear: smart creators don’t work harder. They work smarter.
What Most Creators Get Wrong
We try to do it all:
Think of fresh ideas every week
Write, film, edit, post
Show up daily online
Track engagement
And we do it alone.
The problem? It’s not sustainable. You burn out fast, and your content starts to feel forced or flat.
Meet Claire. She’s a coach who helps people speak better. But there’s a funny twist: Claire doesn’t like being on camera. She feels awkward, doesn’t like editing, and doesn’t have time to learn new tech.
She said:
“I know video can grow my business… but I just can’t bring myself to film.” “I don’t like how I look or sound on video.” “I don’t have time to shoot and edit content.” “I want to be visible without being visible.”
Claire isn’t lazy. She just wants to focus on coaching — not video production.
That’s when she found Synthesia and HeyGen.
These AI tools use avatars and voice AI so she can make amazing videos — without ever being on camera.
Start with either Synthesia or HeyGen. See which feels right. You don’t need a camera. You don’t need editing skills. Just your voice… or even just your words.
Under the Philippine agrarian reform program, particularly for lands acquired under Presidential Decree No. 27 (PD 27) in 1980, the original title is not held by the Land Bank of the Philippines (LBP). Instead, the title is transferred to the agrarian reform beneficiary (ARB) with a lien/mortgage in favor of LBP until full payment of amortizations. Here’s a detailed clarification:
1. Ownership and Title Transfer
Under PD 27 and Executive Order No. 228 (1987), farmer-beneficiaries are deemed full owners of the land as of October 21, 1972, even if amortizations are ongoing. The title is issued in the beneficiary’s name (e.g., via an Emancipation Patent or CLOA) but annotated with a mortgage lien in favor of LBP.
Example: If your grandfather received the land in 1980, the title would have been transferred to his name, but LBP retains a security interest via the mortgage lien.
2. Role of LBP’s Mortgage Lien
The lien ensures that LBP can foreclose if the beneficiary defaults on payments. Specifically:
Failure to pay three annual amortizations allows LBP to initiate foreclosure.
The lien remains until full payment, after which it is lifted, and the title becomes “clean”.
Key provision: “A lien by way of mortgage shall exist in favor of LBP on all lands it has financed… until amortizations are paid in full”.
3. Post-Payment Process
Once amortizations are fully paid, the beneficiary or heirs must:
Secure a Certificate of Full Payment from LBP.
Request LBP to issue a Release of Mortgage.
Register the release with the Registry of Deeds to remove the lien from the title.
4. Exceptions and Recent Reforms
Under the New Agrarian Emancipation Act (2023), unpaid amortizations for lands awarded under PD 27 and RA 6657 were condoned, effectively extinguishing LBP’s lien for qualified beneficiaries. If your grandfather’s obligations were waived, the lien may no longer apply.
Summary
Land Bank of the Philippines does not physically hold the title, it maintains a legal claim (via mortgage lien) on the property until amortizations are fully paid. The title remains in the beneficiary’s name but with annotations reflecting LBP’s interest. Full payment or condonation removes this encumbrance.
You can verify whether your grandfather’s land title is still with Land Bank or has been transferred by following these steps:
How to Verify the Status of the Land Title
1. Request a Certified True Copy (CTC) from the Registry of Deeds
The most reliable way to check the status and current holder of a land title is to request a Certified True Copy from the Registry of Deeds (RD) where the property is registered.
The CTC will show:
The current registered owner’s name.
All annotations, such as mortgages, liens, or encumbrances—including any in favor of Land Bank.
Any transfers of ownership or release of mortgage.
2. Examine the Annotations on the Title
Look for mortgage annotations or liens in favor of Land Bank. If present, this means Land Bank still holds a legal claim (mortgage/lien) on the land, even if the title is in your grandfather’s (or heirs’) name.
If the mortgage or lien has been released (e.g., after full payment), there should be a corresponding annotation of release or cancellation of mortgage.
3. Check Online via the Land Registration Authority (LRA)
You can use the LRA’s online services (e.g., e-Titling System, AHLT, Property Registration System) to verify the title’s status and see if there are any encumbrances or if the title has been transferred.
Access the LRA website and use the online verification service, entering the title number and other details as required.
4. Physical Inspection of the Owner’s Copy
If you have the owner’s duplicate copy, check the annotations section for any mortgage or lien entries in favor of Land Bank.
Key Points
Land Bank does not physically hold the title; rather, if there is an outstanding loan or amortization, a mortgage or lien in favor of Land Bank is annotated on the title.
The Registry of Deeds is the official custodian of land records. The CTC from the RD is the definitive proof of the current status of the title, including any encumbrances or transfers.
If the mortgage has been paid in full and properly released, the annotation should be cancelled, and the title will show the registered owner without Land Bank’s claim.
What to Do Next
Visit the Registry of Deeds where the property is located and request a Certified True Copy of the title.
Review the CTC for any annotations related to Land Bank.
If you see a mortgage or lien in favor of Land Bank, the obligation may still be outstanding or not yet released.
If there is a release annotation, the title is already cleared and fully transferred to the registered owner.
In summary: The only way to definitively know if the title is still encumbered by Land Bank or has been fully transferred is to obtain and review the Certified True Copy from the Registry of Deeds. This document will show all current and past encumbrances, including any mortgage to Land Bank and its release, if applicable.
If the original land title cannot be located despite fulfilling liens (e.g., Land Bank mortgage) and tax obligations, beneficiaries must initiate judicial reconstitution to replace the lost title. Here’s the required procedure:
1. File an Affidavit of Loss
Execute a notarized affidavit detailing the circumstances of the loss (e.g., when/where it was last seen, efforts to recover it).
Submit this affidavit to the Registry of Deeds (RD) where the property is registered. The RD will annotate the loss on their records.
2. Obtain a Certified True Copy (CTC) of the Title
Request a CTC from the RD to confirm the title’s current status, annotations (e.g., released liens), and ownership details.
If the RD’s copy is also missing, gather secondary evidence:
Tax declarations and receipts (proving ownership and payment history).
Survey plans, deed of sale, or other documents linking beneficiaries to the property.
3. File a Petition for Judicial Reconstitution
Engage a lawyer to draft and file a verified petition in the Regional Trial Court (RTC) where the property is located.
The petition must include:
Proof of ownership (CTC, tax documents).
Affidavit of loss.
Evidence that liens (e.g., Land Bank’s mortgage) have been extinguished (e.g., Release of Mortgage from LBP).
4. Publication and Notification
The court will order publication of the petition in a newspaper of general circulation and post notices in public areas near the property.
Adjacent landowners, government agencies (e.g., LRA, LBP), and other interested parties are notified to allow objections.
5. Court Hearing and Decision
Attend hearings to present evidence (e.g., testimony, documents).
If the court is satisfied, it will issue an order for reconstitution, directing the RD to issue a new title.
The new title will reflect the beneficiary’s ownership without encumbrances if liens were properly released.
6. Registration of the Reconstituted Title
Submit the court order to the RD to cancel the lost title and issue a reconstituted owner’s duplicate certificate.
Processing typically takes 1–1.5 years, depending on court schedules and RD efficiency.
Key Considerations
Costs: Include court fees (~₱5,000–₱10,000), publication fees (~₱3,000–₱5,000), and legal fees.
Post-Reconstitution: Ensure the new title is safeguarded. Store digital/physical copies and update heirs’ details if ownership transfers occur.
For beneficiaries, judicial reconstitution is the only legally valid path to replace a lost title, even after liens are resolved. Consult a lawyer to navigate procedural nuances and avoid delays.
Based on available information, hiring a lawyer to handle the entire judicial reconstitution process of a lost land title in the Philippines typically involves the following cost components and estimates:
Estimated Lawyer’s Fees for Reconstitution of Title
Range: ₱30,000 to ₱100,000 or more The wide range depends on:
Complexity of the case
Lawyer’s experience and reputation
Number of court appearances and required submissions
Geographic location of the property and court jurisdiction
Some lawyers may charge a flat fee covering drafting petitions, coordinating publication, attending hearings, and liaising with the Registry of Deeds, while others may bill per appearance or hourly.
Other Major Costs to Consider
Cost Type
Estimated Amount (₱)
Notes
Court Filing Fees
Several thousand to tens of thousands
Varies by assessed property value and court rules
Publication Fees
₱5,000 to ₱20,000+
Mandatory notice in newspaper for consecutive weeks
Notarial and Documentary Fees
₱1,000 to ₱5,000+
For affidavits, certifications, and document copies
Registry of Deeds Fees
₱1,000 to ₱5,000+
For registration of court order and issuance of new title
Survey or Technical Fees (if needed)
Variable, ₱5,000+
Required if new or updated land survey is necessary
Summary
Total estimated cost (including lawyer’s fees, court, publication, and other expenses) can range from approximately ₱50,000 to ₱150,000 or more depending on case complexity and locality.
The process can take several months to over a year, so fees may be spread out over time.
Hiring a reputable lawyer ensures proper handling of the case, minimizing delays and legal risks.
Recommendation
Consult with a few property lawyers to get detailed fee quotes and payment terms.
Confirm what services are included in the quoted fees (e.g., court appearances, document preparation, publication coordination).
Budget for additional miscellaneous expenses beyond legal fees.
This cost estimate provides a realistic expectation for beneficiaries seeking to obtain a reconstituted land title through judicial proceedings in the Philippines.
Maria is a coach who helps people get over stage fright.
She had just finished a great Zoom session with a client and wanted to share a short clip from the call on Instagram. But when she opened her video editor, she froze.
“Where do I even start?”
She didn’t know how to cut out the awkward silences. She didn’t want to rewatch the whole call. She didn’t have time. So she gave up.
This happens to a lot of coaches.
They have gold inside their Zoom recordings, webinars, and coaching calls. But the editing? It’s too slow. Too hard. Too frustrating.
So we tested Descript and Veed.io — two popular AI video tools that say they make editing simple.
Let’s see how they really do.
Who This Is For:
This guide is perfect for:
Coaches who record Zoom calls or course videos
Podcasters or content creators who hate editing
Real Pain Points We Solve:
Here are 4 things coaches often say:
“I have 20 hours of Zoom recordings and no clue how to clean them up.”
“I wish I could just edit my video like a Word doc.”
“Editing out all the ‘ums’ and pauses takes me forever.”
“My podcast is recorded, but it’s just sitting there.”
What is Descript?
Descript is a tool that lets you edit video and audio by editing text. It turns your video into a transcript. If you delete a sentence from the text, it also deletes that part from your video.
Pretty cool, right?
What is Veed.io?
Veed.io is a simple online video editor. You can upload your video, cut clips, add subtitles, put your logo, and make it look nice for social media. No downloads needed.
Descript Annual Plans
Free: $0/month
1 hour of transcription per month
720p video export with watermark
Hobbyist: $12/month (billed annually)
10 transcription hours per month
1080p exports without watermark
Creator: $24/month (billed annually)
30 transcription hours per month
4K exports
Unlimited use of AI features
Business: $40/month (billed annually)
40 transcription hours per month
Team collaboration tools
Priority support
VEED.io Annual Plans
Free: $0/month
Basic editing tools
Watermarked exports
Basic: $12/month (billed annually)
Removes watermarks
720p exports
2GB storage
Pro: $24/month (billed annually)
1080p exports
20GB storage
Subtitle translation
Business: $59/month (billed annually)
Custom branding
Priority support
Team collaboration tools
🧾 Side-by-Side Comparison
Feature
Descript
Veed.io
Text-Based Editing
Yes
No
Auto Remove Filler Words
Yes
No
Auto-Captions
Yes
Yes
Templates for Social Media
Basic
Many
Screen Recording
Yes
Yes
Audio Podcast Tools
Strong
Light
Ease of Use
Medium (need to learn basics)
Easy (drag-and-drop)
✅ Pros and Cons
Descript
Great for podcast and Zoom edits
Fast text-based workflow
Removes “ums,” silences, filler words
Takes time to learn
Less fun for visual design
Veed.io
Clean, fun user interface
Made for social media
Easy branding and design
No text-based editing
Less powerful audio tools
🤔 FAQ
Q: Can I use both tools together? Yes! Many creators use Descript to clean up the audio/video first, then use Veed.io to add final touches and export for social.
Q: Which one is easier for beginners? Veed.io is more beginner-friendly. But Descript is worth learning if you edit a lot of content.
Q: Do they have free versions? Yes, both offer free plans with limits.
🎯 So, Which One Should You Use?
If you’re editing long Zoom calls, podcasts, or course lessons: Go with Descript. If you’re creating promo videos, reels, and want fast design: Go with Veed.io.
Both are amazing. You don’t need pro editing skills to make pro-level content anymore.
👋 Want to See Which One Fits YOU?
I made a simple guide that shows how both tools work side-by-side.
Just try them out and see which one fits your workflow best.
You don’t need to be an editor. You just need the right tool.
I remember sitting at my desk one night. My course was done. The lessons were recorded. But now… I had to make videos for YouTube, Instagram, and my email list. And guess what?
I was stuck. I didn’t have time to edit. I didn’t know how to make my content look “pro.” And I sure didn’t want to pay someone $500 for each video.
So I searched online and found something amazing: AI video tools. These tools use smart technology to turn your words or scripts into real videos — fast.
Today, I’ll show you two of the best: Pictory vs. InVideo And which one saved my course (and my sanity!).
💢 The Real Problems Coaches Like Me Face
Let’s be real. Coaches, course creators, and experts like us don’t have time to:
Learn video editing software
Make fancy intros and captions
Keep up with 10 platforms at once
And here’s what I (and many others) say:
“I have all this content, but no time to repurpose it into videos.” “I want to look professional without paying $500 per video.” “I just need a tool that makes good videos fast — no stress.”
Sound familiar? That’s why I tested Pictory and InVideo to see which one solves these problems.
Switching marketing systems is usually the kind of task that keeps business owners up at night. The thought of moving all your contacts, sales funnels, emails, automations, and courses from platforms like ClickFunnels, Kajabi, or Kartra can feel overwhelming – not to mention the fear of downtime, data loss, or a steep learning curve. But what if you could make the switch to a more affordable, all-in-one solution, and have the entire migration handled for you, for free? That’s exactly what Systeme.io delivers with its free migration service for all Unlimited and Annual plan subscribers.
Systeme.io isn’t just another marketing platform. It’s a comprehensive ecosystem that combines sales funnels, email marketing, website building, automation, webinars, and more, all under one roof. By consolidating your tools, you instantly cut down on monthly subscriptions and tech headaches. But the real magic? When you sign up for an Unlimited or Annual plan, the Systeme.io team takes care of your entire migration-no hidden fees, no tedious manual work. They’ll move over your contact lists, duplicate your sales funnels, transfer your blogs and courses, and even port your automations and email campaigns, all while you keep running your business as usual.
The process is refreshingly simple: once you subscribe, you just reach out to support and the migration team gets to work. They’ll ask for access to your old platform, add your request to the queue, and keep you updated every step of the way. Most migrations are completed in about 17 days, depending on the complexity and volume of your content5. Your original account stays untouched, so there’s zero risk and you can keep using your old system until you’re ready to go live on Systeme.io. Plus, you’re never left in the dark-expect regular updates and direct support throughout the process.
Why make the move? Besides the obvious cost savings (some users save $320 or more per month by consolidating tools), you get increased efficiency, better automation, and a platform that scales as your business grows. Systeme.io’s annual plans also lock in your pricing and unlock exclusive discounts-think up to 30% off, plus the free migration service that would otherwise cost up to $1997 elsewhere. And if you ever need to change your plan, you can do so at any time, no strings attached.
If you’re running your business on any of these platforms, Systeme.io will migrate you for free:
Migrate From
What Gets Moved
Why Upgrade?
ClickFunnels
Funnels, contacts, automations
Save money, all-in-one tools, easier workflow
Kajabi
Courses, email lists, automations
Streamline, better pricing, full support
Kartra
Pages, campaigns, memberships
More features, less cost, seamless transition
Teachable
Courses, emails, users
Centralize everything, grow with confidence
ConvertKit
Email lists, automations
Integrated marketing, better analytics
Mailchimp
Contacts, campaigns
Simplify, automate, save big
Ready to ditch the tech headaches and monthly bills? Systeme.io’s free migration service is your shortcut to a smarter, more affordable marketing system-without the drama. Don’t just settle for “good enough.” Move your business forward, and let the experts handle the heavy lifting. Your only job? Get ready to grow.
Sarah runs a small tech company. Every month, she looks at her sales pipeline to predict how much money will come in. But the numbers never match reality. Some deals she thought were sure things fall through. Others take longer than expected. Her team feels frustrated. Other departments start doubting the sales numbers. Sarah knows something must change.
Why Are Revenue Forecasts Often Unrealistic?
Many businesses face this problem. It usually happens because of:
Inaccurate Sales Pipeline Data: Deals are counted that aren’t likely to close.
Stalled or Old Deals: Deals stay too long without progress.
Poor Lead Qualification: Time is wasted on leads that don’t fit.
Lack of Visibility: Sales teams and managers don’t see the real status.
Manual Processes: Spreadsheets and emails cause errors and delays.
What Buyers Really Want
Before buying a sales pipeline solution, buyers want to fix these pain points:
Pain Point
What Buyers Want
Inaccurate forecasts
Reliable, real-time pipeline data
Stalled deals
Alerts for deals stuck too long
Poor lead focus
Tools to prioritize best leads
Lack of visibility
Clear dashboards for all team members
Manual errors
Automation to reduce mistakes
Solutions That Work
1. Use Sales Pipeline Management Software
Software like Pipedrive, Salesforce, and HubSpot help teams see their deals clearly. They provide:
Visual pipelines to track deals by stage
Automated reminders for follow-ups
Lead scoring and segmentation
Real-time analytics and forecasting
2. Automate Repetitive Tasks
Automation saves time and reduces errors. For example:
Automatically move deals when tasks are done
Send follow-up emails without manual work
Sync data across sales and marketing tools
3. Regularly Clean Your Pipeline
Remove or update deals that are no longer active. This keeps forecasts realistic.
4. Train Your Sales Team
Teach your team how to qualify leads and update the pipeline correctly.
Comparing Popular Sales Pipeline Tools
Tool
Key Features
Pricing (Starting)
Best For
Pipedrive
Visual pipeline, automation, reminders
€14.90/user/month
Small to medium teams
Salesforce
Customizable, AI tools, forecasting
€25/user/month
Large, fast-growing companies
HubSpot
CRM integration, email tracking
Free basic, paid from $50
All sizes, marketing integration
Insightly
Lead routing, analytics
$29/user/month
Growing businesses
Salesmate
Sales automation, communication
$12/user/month
SMBs needing automation
Why These Solutions Help
Better Forecasts: Real-time data means predictions match reality.
Faster Sales Cycles: Automation speeds up deal progress.
Higher Win Rates: Focus on best leads increases close rates.
Team Alignment: Everyone sees the same pipeline status.
Less Stress: Clear processes reduce confusion and errors.
Ending the Story
After Sarah switched to Pipedrive, things changed. The team saw exactly where each deal stood. Stuck deals were flagged early. Automated reminders kept follow-ups on track. Her forecasts became more accurate. Other departments trusted the numbers again. Sarah’s company grew steadily, no longer surprised by missed targets.
If you’re struggling with unrealistic revenue forecasts, it’s time to get clear, automate, and focus. The right sales pipeline tools can turn your numbers from guesswork into growth.
Overview of the Philippines’ Digital Service Tax Law
The Philippines has recently enacted a law imposing a 12% Value-Added Tax (VAT) on digital services, known as Republic Act No. 12023. This legislation targets both resident and non-resident digital service providers (DSPs), requiring them to collect and remit VAT on digital services consumed in the Philippines, regardless of whether the provider has a physical presence in the country.
Key Features
Scope: The law covers a wide range of digital services, including streaming platforms (e.g., Netflix, Spotify), online marketplaces (e.g., Lazada, Shopee), cloud services (e.g., Google Drive, AWS), digital advertising, and other automated online services.
VAT Rate: A 12% VAT is imposed on digital services used or consumed in the Philippines.
Applicability: Both local and foreign DSPs earning more than PHP 3 million annually from Philippine consumers must register with the Bureau of Internal Revenue (BIR) and comply with VAT obligations.
Registration and Compliance: Non-resident DSPs must register with the BIR within 60 days from the effectivity of the implementing regulations. They must issue digital sales invoices and file VAT returns, but are not required to maintain traditional accounting records.
Enforcement: The BIR, with the Department of Information and Communications Technology (DICT), can suspend or block access to non-compliant DSPs in the Philippines.
Exemptions: Educational services by accredited institutions and digital financial services are exempt from VAT under this law.
Revenue Allocation: 5% of the tax collected will support the local creative industry, benefiting Filipino artists, musicians, and filmmakers.
Authorship and Legislative Process
The Digital Service Tax, formally Republic Act No. 12023, was a priority measure of the Marcos administration and was signed into law by President Ferdinand R. Marcos Jr. on October 2, 2024. While the search results do not specify a single principal author, the law was crafted and passed by both chambers of Congress, with key support from the Department of Finance and the Department of Trade and Industry. Finance Secretary Ralph G. Recto and DTI Secretary Cristina A. Roque have been prominent advocates for the legislation.
Effectivity of the Law
Date Signed: October 2, 2024.
Effectivity Date: Republic Act No. 12023 took effect on October 18, 2024, 15 days after its publication as required by law.
Implementation Timeline: The BIR issued Revenue Regulation No. 03-2025 on January 17, 2025, to detail the application of the VAT on digital services. Non-resident DSPs must register within 60 days from the regulation’s effectivity, with VAT obligations starting 120 days after the regulation takes effect.
Purpose and Impact
The law aims to level the playing field between local and foreign digital service providers, ensuring that all entities benefiting from the Philippine digital economy contribute fairly to the country’s tax base. The VAT is expected to generate significant revenue for the government, with projections of PHP 7.25 billion in VAT collections by 2025 at a 50% compliance rate. However, as VAT is a passed-on tax, consumers may experience higher prices for digital services.
Summary Table
Aspect
Details
Law Name
Republic Act No. 12023 (VAT on Digital Services Law)
Signed By
President Ferdinand R. Marcos Jr.
Date Signed
October 2, 2024
Effectivity
October 18, 2024
VAT Rate
12%
Scope
Resident and non-resident DSPs, wide range of digital services
Registration Deadline
60 days from effectivity of implementing regulations
VAT Obligation Start
120 days after regulation effectivity
Exemptions
Accredited educational services, digital financial services
Revenue Allocation
5% to local creative industry
This law marks a significant modernization of the Philippine tax system to address the growing digital economy and ensure equitable tax treatment for all digital service providers.
Exemptions
Certain digital services are exempt from VAT under RA 12023:
Digital educational services: Online courses, seminars, and trainings by private educational institutions accredited by DepEd, CHED, or TESDA, and subscriptions to educational institutions recognized by these agencies.
Digital financial services: Services rendered through digital platforms of banks and non-bank financial intermediaries performing quasi-banking functions.
Pros and Cons
Pros
Cons
Levels the playing field for local and foreign DSPs
Likely to increase prices for consumers
Increases government revenue (projected PHP 105 billion in 5 years)
May add compliance burden to foreign DSPs
Supports local creative industries and public programs
Potential for reduced competitiveness if DSPs pass on costs
Promotes fairness, competition, and inclusion in the digital market
Implementation challenges for BIR and DSPs
General Impact on Targeted Groups
Foreign DSPs: Must now comply with Philippine VAT rules, register with the BIR, and remit VAT, increasing their administrative obligations.
Local DSPs: Benefit from a more level competitive environment, as foreign competitors are no longer tax-advantaged.
Consumers: May face higher costs for digital services as VAT is passed on, but benefit from improved public services and creative industry support funded by the new revenue.
Creative Industry: Gains direct support from a share of the tax revenue, empowering Filipino artists, musicians, and filmmakers to compete globally.
Here are 10 Extensively Used Apps and Platforms in the Philippines that are Directly Affected by the New Digital Service Tax Law
Microsoft Teams – Essential for corporate communication, meetings, and collaboration.
Zoom Workplace – Widely used for virtual meetings, webinars, and remote work.
Slack – Popular for team messaging and project collaboration among remote and office-based professionals.
Meta Business Suite – Used for managing business pages, ads, and social media presence on Facebook and Instagram.
LinkedIn – Key platform for professional networking, recruitment, and business development.
Google Workspace/Google Chat – For email, document collaboration, and team communication.
Adobe Scan – Used for scanning, managing, and sharing business documents digitally.
Shopify – E-commerce platform for online businesses and entrepreneurs selling products and services.
Upwork – Freelance marketplace connecting businesses with remote professionals and service providers.
PayPal – Widely used for online payments, invoicing, and receiving funds from clients locally and abroad.
These platforms are now subject to the 12% VAT, which may result in increased subscription or transaction costs for Filipino professionals and businesses that rely on them for daily operations, communication, sales, and financial transactions.
Best Ways for Filipino Subscribers to Avoid or Minimize Additional Costs from the Digital Service Tax
1. Leverage Tax Deductions and Business Expense Claims
If you use digital services for business purposes, classify subscription fees and platform charges as deductible business expenses.
Keep official receipts and documentation to claim these costs as deductions, lowering your taxable income and overall tax burden.
Examples include utility expenses (internet, phone), platform fees (e.g., Upwork membership), and software subscriptions used for work.
2. Register as a Barangay Micro Business Enterprise (BMBE)
Small businesses with assets under PHP 3 million can register as BMBE.
BMBE status grants income tax exemption, which can offset the impact of additional VAT costs on digital services.
This is ideal for freelancers and small entrepreneurs who meet the criteria.
3. Use Exempted Digital Services
If possible, use digital educational services accredited by DepEd, CHED, or TESDA, or digital financial services, which are exempt from VAT.
For example, some online learning platforms or government-approved training services may not charge VAT.
4. Optimize Usage and Subscriptions
Consolidate digital service subscriptions to only essential platforms to minimize VAT exposure.
Consider annual subscriptions which sometimes offer discounts, reducing the effective VAT cost.
5. Pass on Costs in Business Pricing
For freelancers and businesses, factor the 12% VAT into your pricing to clients.
This ensures you don’t absorb the tax cost and maintain profitability.
6. Maintain Proper Documentation and Compliance
Accurate record-keeping allows you to maximize allowable deductions and avoid penalties.
Use BIR’s online tools and consult tax professionals to ensure compliance and optimize tax positions.
7. Explore Alternative Platforms
Some local or regional platforms might have different fee structures or tax treatments.
Evaluate whether switching to such platforms reduces overall costs.
8. Utilize the Optional 8% Income Tax Regime for Freelancers
Freelancers earning below PHP 3 million annually can opt for an 8% tax on gross receipts instead of graduated income tax rates, simplifying tax and potentially lowering total tax paid.
Avoids paying VAT on educational/financial services
Optimize and consolidate subscriptions
Minimizes total VAT paid
Pass VAT cost to clients
Maintains business profitability
Keep accurate records and comply
Avoids penalties and maximizes deductions
Explore alternative platforms
Potentially lower fees or tax exposure
Opt for 8% income tax regime (freelancers)
Simplifies tax and may reduce tax liability
Important Note
There is no legal way to outright avoid the 12% VAT on digital services consumed in the Philippines. The best approach is to manage and mitigate the financial impact through proper tax planning, expense deductions, and business structuring.
Consulting a tax professional is highly recommended to tailor strategies to your specific situation and ensure full compliance with Philippine tax laws.
Meet Lisa. She’s a marketing manager at a growing company. Every day, Lisa opens dozens of reports. There are numbers everywhere-clicks, impressions, conversions, bounce rates, and more. She tries to make sense of it all, but it feels like drinking from a firehose. The data is overwhelming. She feels stuck, unsure which numbers really matter. Her team’s results are slipping, and Lisa worries she’s missing key insights.
Lisa is not alone. Many marketers drown in data but starve for insight.
Why Too Much Data Is a Problem
Marketing teams today have access to more data than ever. But more data doesn’t always mean better decisions. In fact, it can cause:
Confusion and indecision
Wasted time analyzing irrelevant metrics
Missed opportunities to optimize campaigns
Frustration and burnout
A recent report shows marketers are using 230% more data than five years ago. Yet, 56% say they don’t have enough time to analyze it properly6. This means most are overwhelmed and unable to focus on what truly drives growth.
The Key Metrics That Matter in 2025
Instead of tracking every number, focus on these four essential marketing metrics:
Metric
What It Measures
Why It Matters
Customer Acquisition Cost (CAC)
How much it costs to gain a new customer
Shows marketing efficiency and budget health
Customer Lifetime Value (CLV)
Total revenue expected from a customer
Helps decide how much to spend on acquisition and retention
Return on Marketing Investment (ROMI)
Profit from marketing spend
Measures campaign profitability
Conversion Rate
Percentage of visitors who take action
Indicates how well marketing turns leads into customers
Focusing on these helps marketers cut through noise and make smarter decisions.
How to Prioritize Your Marketing Data
Here’s a simple step-by-step guide to get started:
Identify your business goals Know what success looks like (e.g., increase sales, reduce churn).
Choose 3-5 key metrics linked to those goals Avoid vanity metrics that don’t impact your bottom line.
Set benchmarks and targets Know where you stand and what you want to achieve.
Use dashboards to track only these metrics Tools like Supermetrics or Google Data Studio can help.
Review data regularly and adjust strategies Make data-driven decisions that move the needle.
Comparing Marketing Metrics Tools
Tool
Key Features
Pricing
Best For
Supermetrics
Data integration, automation
Starts at $39/month
Marketers needing multi-source data
Google Data Studio
Free dashboards and reports
Free
Small teams and beginners
HubSpot Analytics
CRM and marketing analytics
From $50/month
Inbound marketing teams
Tableau
Advanced data visualization
Custom pricing
Enterprises with complex needs
Mixpanel
User behavior analytics
Free tier + paid plans
Product and growth teams
Solutions to Overcome Data Overload
Simplify your dashboards Only show what matters most.
Automate data collection and reporting Save time and reduce errors.
Train your team on key metrics Build confidence in data-driven decisions.
Use AI-powered tools Get prioritized recommendations and alerts.
Set clear data governance Ensure data quality and consistency.
Ending the Story: Lisa’s Turnaround
Lisa decided to focus on just four key metrics. She used a simple dashboard to track CAC, CLV, ROMI, and conversion rate. She automated reports and set weekly review meetings. Slowly, the fog lifted. Lisa’s team found clear insights. They optimized campaigns, cut wasteful spending, and boosted sales. Lisa felt in control again. Data was no longer her enemy but her guide.
Takeaway: Don’t drown in data. Focus on what moves your business forward. Prioritize key insights. Use smart tools. Like Lisa, you can turn overwhelm into clarity and success.
In many Filipino families, the topic of inheritance can be a sensitive and often overlooked matter-especially when a loved one passes away without leaving a will. This situation, known as dying intestate, creates a complex web of legal and emotional challenges that can linger for years, sometimes even across generations. Imagine a grandfather who passed away without a will, leaving behind three children who, caught up in their own lives, never settled the estate. Now, with all three children also gone, the responsibility and opportunity fall upon the grandchildren. But how do these succeeding heirs navigate the maze of Philippine inheritance laws to claim what is rightfully theirs? In this blog, we will unravel the legal pathways and practical steps that Filipino grandchildren can take to resolve estates left unsettled, turning a deep-rooted family pain point into a clear, manageable process. Whether you’re facing this situation now or simply want to be prepared, understanding these crucial steps can help preserve your family’s legacy and bring long-awaited closure.
When a Filipino dies without a will (intestate), the distribution of their estate follows the rules of intestate succession under the Civil Code of the Philippines. This situation is common and often a deep-rooted pain point in Filipino families, especially when estates remain unsettled for years and multiple generations pass.
Situation Summary
The grandfather died intestate (without a will).
His three children (the heirs) initially did not settle the estate.
Now, all three children (the heirs) are also deceased.
The grandchildren are now the succeeding heirs.
How to Resolve the Estate in This Scenario
1. Identify the Current Legal Heirs
Under Philippine intestate succession law, the primary heirs are the decedent’s legitimate descendants (children and grandchildren). If the children (the first heirs) are deceased, their shares pass to their own descendants (the grandchildren) by right of representation (per stirpes). This means the grandchildren inherit the share their parent (the child of the grandfather) would have received.
Thus, the grandchildren are the rightful heirs of the grandfather’s estate, inheriting the shares their parents would have gotten.
2. Gather Necessary Documents
Death certificates of the grandfather and the three children (the intermediate heirs).
Birth certificates of the grandchildren to prove lineage.
Titles and proof of ownership of the estate properties.
Other relevant documents such as marriage certificates, tax clearances, and bank documents.
3. Settle Estate Taxes
The heirs must file an estate tax return with the Bureau of Internal Revenue (BIR) and pay the applicable estate taxes. The current estate tax rate in the Philippines is a flat 6% on the net estate value after deductions.
4. Execute Estate Settlement
If all the grandchildren (heirs) agree, they can proceed with an Extrajudicial Settlement of Estate. This is a simpler process where the heirs agree on the division of the estate, draft a settlement agreement, have it notarized, and publish a notice of settlement in a newspaper.
If there is disagreement among the heirs or if there are minors/incapacitated persons involved, a Judicial Settlement of Estate may be necessary, which involves filing a petition in court.
5. Transfer Titles and Ownership
After the estate is settled and taxes paid, the properties and assets can be transferred and registered under the names of the grandchildren (the new legal owners).
Summary of the Legal Principles Applied
Key Point
Explanation
Intestate Succession
Distribution of estate when no will exists, governed by Civil Code Articles 960-1014
Right of Representation
If an heir (child) predeceases the decedent, their descendants (grandchildren) inherit their share
Required in case of disputes or special circumstances
Estate Tax
Must be filed and paid before transfer of properties; currently 6% flat rate
Navigating the settlement of an intestate estate can be daunting, especially when years have passed and multiple generations are involved. However, the Philippine government has provided a timely relief through the Estate Tax Amnesty program, which has been extended until June 14, 2025. This extension is a golden opportunity for grandchildren, now the succeeding heirs of their grandfather’s estate, to settle outstanding estate taxes without incurring penalties or interest.
Even if the heirs have not yet completed an extrajudicial settlement of the estate, they can still avail themselves of the estate tax amnesty. According to the Bureau of Internal Revenue (BIR), filing the Estate Tax Amnesty Return (ETAR) and paying the estate tax can be done without presenting proof of estate settlement at the time of filing. This means the grandchildren can take advantage of the amnesty now and finalize the extrajudicial settlement later. However, it is important to note that the Electronic Certificate Authorizing Registration (eCAR)-necessary for transferring real property titles-will only be issued once proof of settlement (such as the extrajudicial settlement agreement or court order) is submitted.
The amnesty program also allows heirs to pay the estate tax in installments over a two-year period without penalties or interest, easing the financial burden on families. This flexibility encourages more heirs to comply and legalize their ownership of inherited properties before the deadline.
What Should the Grandchildren Do Now?
File the Estate Tax Amnesty Return (ETAR) with the BIR before June 14, 2025. This can be done electronically or manually through authorized agent banks or Revenue District Offices.
Pay the estate tax, either in full or through the installment option, to benefit from the amnesty’s waiver of penalties and interest.
Prepare and execute the extrajudicial settlement of estate among all the grandchildren (heirs) if they all agree on the division of the estate. This document will be needed later to complete the transfer of titles and ownership.
Gather all necessary documents such as death certificates, birth certificates proving lineage, and property titles to support the settlement and registration process.
Consult a lawyer or legal expert to ensure compliance with all legal requirements and smooth processing of the estate settlement.
By acting promptly, the grandchildren can avoid the complications of unpaid estate taxes, potential legal disputes, and delays in property registration.
Conclusion
Resolving an estate left without a will is a challenge deeply felt by many Filipino families, especially when multiple generations have passed without settling the matter. For the grandchildren who now stand as rightful heirs, understanding the legal framework and taking advantage of government programs like the Estate Tax Amnesty is crucial. The extended deadline until June 14, 2025, offers a unique window to settle estate taxes without penalties, even if the extrajudicial settlement is still in progress. This opportunity not only alleviates the financial burden but also paves the way for the formal transfer of property and the preservation of family legacy. By taking decisive steps now-filing the amnesty return, paying taxes, and preparing the necessary legal documents-heirs can transform a long-standing family pain point into a resolved and legally recognized inheritance, securing their rightful place in their family’s history.
If you want, I can help you draft sections on how to prepare the extrajudicial settlement or explain the legal concepts in more detail.
Practical Advice
Consult a competent Philippine lawyer experienced in estate and succession law to assist with documentation, tax filings, and legal procedures.
Ensure all heirs are properly identified and agree on the settlement to avoid prolonged litigation.
Act promptly to avoid complications such as tax penalties, loss of property rights, or claims by other relatives.
This approach will help the grandchildren legally and properly claim and settle the estate left by their grandfather, despite the absence of a will and the passing of the immediate heirs (their parents).
Unlocking Your Family’s Legacy: How the Estate Tax Amnesty Can Free Heirs from Decades of Inheritance Pain
A Family’s Story: The House That Waited
Imagine a family in Bulacan. The matriarch, Lola Pilar, passed away in the 1990s, leaving behind a modest house and a small parcel of farmland. Her children, now in their 60s, grew up, started their own families, and moved on. But the house and land remained in Lola Pilar’s name. For years, the heirs talked about selling the land to pay for a grandchild’s education or renovating the house for family reunions. But every time they tried, they hit the same wall: unpaid estate taxes.
The penalties and interest had ballooned over decades. The process seemed confusing and expensive. The property stayed idle, and the family’s dreams were put on hold.
Now, with the Estate Tax Amnesty deadline approaching on June 14, 2025, Lola Pilar’s heirs have a real chance to finally resolve this painful legacy.
The Pain Point: Why Heirs Struggle with Estate Taxes
Heirs across the Philippines face similar problems:
Skyrocketing Penalties: Unpaid estate taxes accumulate interest and surcharges, making the total due almost impossible to pay.
Complex Paperwork: Many heirs are intimidated by the long list of documents and requirements.
Family Disagreements: Multiple heirs, sometimes living overseas, make coordination difficult.
Frozen Assets: Properties can’t be sold, transferred, or developed while the estate remains unsettled.
Lost Opportunities: Families miss out on potential income, business ventures, or simply the peace of mind that comes with closure.
How the Estate Tax Amnesty Solves These Problems
Here’s how the Estate Tax Amnesty directly addresses the pain points of Filipino heirs:
1. Waives Penalties and Interest
Only the basic estate tax (6% of the net estate) is required-no penalties, no surcharges, no interest.
2. Affordable Settlement
Even long-unpaid taxes can be settled at a fraction of what would otherwise be owed.
3. Streamlined Process
The BIR has simplified requirements and allows for electronic filing and payment.
4. Installment Option
Taxes can be paid in installments over two years, making it easier for families to manage.
5. Legal Immunity
Once settled, the estate is immune from further estate tax liabilities, penalties, and related cases for the covered period.
Table: Estate Tax Amnesty at a Glance
Feature
Details
Coverage
Estates of decedents who died on or before May 31, 2022
Tax Rate
6% of net estate value (minimum ₱5,000 per estate)
Penalties & Interest
Waived
Installment Option
Up to 2 years, no additional penalties or interest
Deadline
June 14, 2025
Required Forms
ETAR (BIR Form 2118-EA), APF (BIR Form 0621-EA), supporting documents
Where to File/Pay
BIR Revenue District Office, Authorized Agent Banks, e-filing options
Immunity Granted
From estate taxes, penalties, and related cases for covered period
Pros and Cons of Availing the Estate Tax Amnesty
Pros
Huge Savings: Pay only the basic tax, not decades of penalties and interest.
Legal Ownership: Finally transfer titles and unlock the value of inherited property.
Peace of Mind: No more fear of legal issues or government liens.
Economic Opportunity: Sell, develop, or use the property for family needs.
Simple Process: Streamlined requirements and payment options.
Cons
Deadline Pressure: All requirements and payments must be completed by June 14, 2025.
Documentation Still Needed: Some paperwork (like death certificates, proof of relationship, asset documents) is still required.
Limited Coverage: Only estates of those who died on or before May 31, 2022 are eligible.
One-Time Opportunity: After the deadline, penalties and interest return.
Frequently Asked Questions (FAQ)
Q: Who can avail of the Estate Tax Amnesty? A: Heirs, executors, or administrators of estates of persons who died on or before May 31, 2022.
Q: What if we don’t have all the documents yet? A: You can start the process and consult with the BIR. Some documents (like proof of settlement) can be submitted later, but all requirements must be completed before the deadline.
Q: Can we pay in installments? A: Yes, you can pay the estate tax in installments over two years, with no additional penalties or interest.
Q: What happens if we miss the deadline? A: The amnesty benefits (waiver of penalties and interest) will no longer apply, and you’ll have to pay the full amount with all surcharges.
Q: What properties are covered? A: All properties-real, personal, tangible, and intangible-belonging to the estate of the decedent.
Conclusion: Don’t Let Your Family’s Legacy Stay Frozen
The Estate Tax Amnesty is a once-in-a-generation chance to finally resolve the pain of inherited, idle properties. It’s the key to unlocking your family’s legacy, turning burdens into blessings, and moving forward together.
Don’t wait until it’s too late. Gather your documents, talk to your family, and visit your nearest BIR office or consult a tax professional now. The deadline is June 14, 2025-after that, the door closes and the old problems return.
Take Action Today!
Free your family from the burden of unpaid estate taxes. Avail of the Estate Tax Amnesty before June 14, 2025, and unlock the full potential of your inheritance. Your family’s future is worth it.
Overview of the Philippine Estate Tax Amnesty
The Estate Tax Amnesty in the Philippines is a government program that allows heirs, executors, or administrators to settle outstanding estate taxes at a reduced rate, waiving penalties and interest. This initiative was introduced to help families resolve long-standing estate tax liabilities and facilitate the transfer of inherited assets52.
Coverage and Eligibility
Who is Covered: The amnesty covers estates of decedents who died on or before May 31, 2022, regardless of whether the Bureau of Internal Revenue (BIR) has issued an assessment, as long as the estate taxes remain unpaid or have accrued as of that date.
Who Can Avail: Executors, administrators, legal heirs, transferees, or beneficiaries of the estate may avail of the amnesty.
Key Features
Tax Rate: A flat rate of 6% is imposed on the decedent’s total net taxable estate at the time of death, with a minimum amnesty tax of ₱5,000 per estate.
Waiver of Penalties: All penalties, surcharges, and interest associated with late payment are waived.
Installment Payment: Payment of the estate tax may be made in installments within two years from the statutory date of payment, without civil penalties or interest.
Deadline for Filing
Filing Period: The availment period runs from June 15, 2023, to June 14, 2025. All requirements must be completed and submitted by June 14, 2025.
Non-Compliance: Failure to submit the required documents and proof of payment by the deadline will mean non-availment of the amnesty, and any payments made may be applied against the regular estate tax due, including penalties.
Process and Requirements
Step-by-Step Procedure:
Prepare Documents: Gather required documents such as the certified true copy of the death certificate, TINs of the decedent and heirs, government-issued IDs, and proof of estate ownership (e.g., land titles, bank statements).
Compute Tax: Calculate the 6% tax on the net estate value (gross estate minus allowable deductions).
File ETAR: Accomplish and file the Estate Tax Amnesty Return (ETAR, BIR Form No. 2118-EA) and Acceptance Payment Form (APF, BIR Form No. 0621-EA) with the appropriate Revenue District Office (RDO), either electronically or manually.
Pay Tax: Pay the computed estate tax through an Authorized Agent Bank (AAB), Revenue Collection Officer (RCO), or authorized tax software provider.
Submit Proof: After payment, submit the validated ETAR, APF, and proof of payment, along with all required documents, to the RDO.
Receive eCAR: Once all requirements are met, the BIR will issue a Certificate of Availment and an electronic Certificate Authorizing Registration (eCAR), which is necessary for the transfer of estate assets.
Important Notes:
Proof of settlement of the estate (judicial or extrajudicial) is not required at the time of filing and payment, but must be submitted before the eCAR is issued.
One eCAR will be issued per real property; separate eCARs are issued for personal properties.
Immunity and Benefits
Immunity: Estates that have fully complied with all requirements are immune from payment of all estate taxes, penalties, and related civil, criminal, and administrative cases for the period ending May 31, 2022, and prior years.
Government Collection: Since the program’s inception in 2019, the government has collected billions in estate taxes, benefiting thousands of families.
Summary Table
Feature
Details
Coverage
Decedents who died on or before May 31, 2022
Tax Rate
6% of net estate value (min. ₱5,000)
Penalties & Interest
Waived
Installment Option
Up to 2 years, no penalties or interest
Filing Deadline
June 14, 2025
Required Forms
ETAR (BIR Form 2118-EA), APF (BIR Form 0621-EA), supporting documents
Where to File/Pay
Authorized Agent Banks, RDOs, or authorized tax software providers
Immunity Granted
From all estate taxes, penalties, and related cases for covered period
Conclusion
The Estate Tax Amnesty provides a crucial opportunity for heirs and beneficiaries to settle outstanding estate taxes at a significantly reduced cost and with no penalties, but all steps and requirements must be completed by June 14, 2025 to benefit from the program436.
1st Tranche: Ang unang tranche ng payments ay inilabas mula July 20, 2022 hanggang January 20, 2023. Sa panahong ito, nagsimula nang tumanggap ng partial payments ang mga planholders, na ayon sa plano ay 50 centavos para bawat piso ng kanilang ininvest
2024 Payout Confirmed: Ayon sa mga opisyal na ulat at planholder testimonies, ang 2nd tranche ng partial refund ay naipamahagi na ng CAPPI noong 2024, bagama’t limitado ang detalye sa eksaktong halaga at bilang ng nakatanggap.
2025 Payout Outlook: Inaasahan ang 3rd tranche sa 2025 bilang bahagi ng 10-year rehabilitation plan, ngunit ang aktwal na petsa at halaga ay nakasalalay sa pagbebenta ng mga ari-arian ng CAPPI at approval ng RTC Makati.
Ano ang Dapat Gawin ng Planholders?
Maghintay sa Opisyal na Anunsyo: Bisitahin ang CAPPI website o makipag-ugnayan sa RTC Makati Branch 148 para sa verified na schedule.
I-verify ang Status: Tiyaking updated ang contact details sa CAPPI para matanggap ang payout notice.
Iwasan ang Fake News: Ang mga social media rumors (hal., “100% refund sa 2025”) ay hindi kumpirmado ng Korte Suprema o CAPPI.
Mga Katanungang Madalas Itanong
“Bakit 50% lang ang garantisadong refund?”
Ang minimum 50% ng gross contract price ay batay sa desisyon ng Korte Suprema para matiyak ang pantay-pantay na pagbabahagi sa lahat ng planholders. Ang anumang sobra rito ay depende sa kita ng CAPPI mula sa asset liquidation.
“Kailan ang susunod na payout?”
Walang eksaktong petsa, ngunit ang 3rd tranche ay posibleng ilabas sa 2025–2026 ayon sa 10-year payment schedule.
“Paano kung hindi ako nakatanggap ng 2nd tranche?”
Makipag-ugnayan agad sa CAPPI via email ([email protected]) o tumawag sa kanilang hotline para i-report ang issue.
Legal Reminder
Ang Revised Rehabilitation Plan ng CAPPI ay under pa rin sa supervision ng RTC Makati. Anumang paglabag sa plano (hal., paggamit ng trust fund para sa ibang utang) ay maaaring ireklamo sa korte.
Takeaway
Habang patuloy ang paglabas ng mga tranche, ang pagiging alerto at updated ang pinakamabisang paraan para makuha ang nararapat na refund. Bisitahin ang CAPPI website lingguhan para sa mga bagong anunsyo.
Supreme Court Decision on the CAP Education Plan Case: Short Synopsis
The Supreme Court issued several key rulings regarding the College Assurance Plan Philippines, Inc. (CAPPI) and its pre-need education plans, focusing on the Revised Rehabilitation Plan and the protection of planholders’ interests.
Main Points of the Decision:
Lifting of TRO and Remand to RTC: The Supreme Court lifted the Temporary Restraining Order (TRO) on CAPPI’s Revised Rehabilitation Plan and remanded the case to the Regional Trial Court (RTC) Makati Branch 148 for supervision over its implementation. This allowed CAPPI to proceed with the payment schedule for its planholders, including the release of the first tranche of payments from July 20, 2022, to January 20, 2023.
Rehabilitation Plan Features: The Revised Rehabilitation Plan requires CAPPI to pay at least 50% of the gross contract prices of the plans within ten years, with the possibility of higher payments as more funds are generated. CAPPI is permitted to generate income through joint ventures, asset sales, and investments to fund these obligations.
Exclusion of CAP Pension Assets: The Supreme Court affirmed that CAP Pension, a subsidiary of CAPPI, has a separate legal personality. The Court enjoined CAPPI from including CAP Pension’s assets in its rehabilitation proceedings, clarifying that only CAPPI’s equities or stockholdings in CAP Pension could be disposed of-not CAP Pension itself. This was to protect the interests of CAP Pension’s planholders and ensure their assets were not used to pay CAPPI’s obligations.
Jurisdictional Clarification: The Court distinguished between CAPPI’s rehabilitation (handled by the RTC) and CAP Pension’s conservatorship (under the Insurance Commission), ruling that these are separate proceedings and must be treated independently.
Trust Fund Protection: In a related decision, the Supreme Court emphasized that CAPPI’s trust fund is exclusively for the benefit of planholders and cannot be used to satisfy creditor claims, reinforcing the protection of planholder interests.
Summary Table
Issue
Supreme Court Ruling
Implementation of Rehabilitation Plan
Allowed; RTC to supervise payments to planholders
Use of CAP Pension assets
Prohibited; CAP Pension is a separate legal entity
Jurisdiction over CAP Pension
Remains with Insurance Commission, not RTC
Use of CAPPI trust fund
Exclusively for planholders, not for other creditors
Conclusion: The Supreme Court’s decisions collectively aimed to protect the interests of both CAPPI and CAP Pension planholders, ensuring that rehabilitation efforts proceed under court supervision while keeping distinct corporate assets and legal proceedings separate. The implementation of the Revised Rehabilitation Plan is ongoing, with payments to planholders being prioritized and closely monitored by the RTC1345.
Mr. Santos’s Journey: From Broken Promises to Bright Beginnings
Mr. Santos crumpled his VUL statement in his fist, the numbers blurring as tears welled up. Ten years ago, his agent had smiled and said, “Trust me-this policy will grow your money like a magic tree!” But today, the “magic” felt like a cruel joke. Fees had eaten his savings like termites, and the returns? A measly 3%-barely enough to beat the rising cost of rice and eggs. His dream of buying a small farm for his family? Shattered. “I worked double shifts for this?” he whispered, staring at his calloused hands.
Then came the worst blow. His youngest daughter, Maria, handed him a crumpled flyer for a school science trip to Singapore. “Papa, my teacher says I might win… but it costs ₱50,000,” she said, her eyes sparkling with hope. Mr. Santos’s stomach twisted. His VUL’s cash value? Only ₱30,000 after a decade of payments. “I’ll find a way,” he lied, forcing a smile. That night, he barely slept, replaying his agent’s empty promises: “Market-linked growth! Financial freedom!”
The next morning, he stormed into his neighbor Tito Ben’s carinderia. “How’s your Pag-IBIG MP2?” he blurted. Ben wiped his hands and grinned. “Earning 7% yearly-no stress, no tricks. Why?” As Mr. Santos spilled his frustration, Ben scribbled a list: REITs (like owning mall spaces without the hassle), MP2 (safe government-backed savings), dividend stocks (companies that pay you cash just for owning shares), green energy projects (solar farms that profit from sunshine), and online selling (Ben’s niece made ₱20,000/month selling handmade sandals). “Your VUL isn’t evil-it’s just not for you,” Ben said.
That week, Mr. Santos met a financial coach who mapped out his escape. They shifted his VUL funds into REITs (earning monthly “rent”) and MP2 (growing faster than his old policy). He used his jeepney driver’s hustle to start a small online shop, selling Bamboo toothbrushes. By year’s end, his REIT dividends paid for Maria’s Singapore trip. The online shop? It funded a down payment for that dream farm.
Now, Mr. Santos laughs when his old agent calls. “No more broken promises,” he says, sipping fresh buko juice on his new land. Sometimes, fixing your finances just means trading empty words for real work and real results.
🤔 10 Questions Every 10-Year VUL Investor Should Ask
🧐 Why is my VUL not growing as much as I expected?
💸 How much have I really earned after all the fees and charges?
📉 What are the risks if I keep my money in VUL for another 5 years?
🏦 Can I move my money to something with better returns and less risk?
💡 What are my options if I want to stop my VUL and start something new?
🏢 How do REITs work, and can they give me steady income?
🏛️ Is Pag-IBIG MP2 really safer and more profitable than my VUL?
📈 Which dividend stocks are best for someone who wants both growth and income?
🌱 How can I invest in green energy or infrastructure for the future?
🛒 Is starting an e-commerce business a good idea for someone like me?
🚦 Comparing VUL to 5 Better Alternatives
Investment Type
Expected Return
Risk Level
Liquidity
Income Potential
VUL (Current)
2-5%
Moderate
Low
Low
REITs
5-8%
Low-Medium
Medium-High
High (Dividends)
Pag-IBIG MP2
6-8%
Low
Low
Medium
Dividend Stocks
5-10%
Medium
High
High
Green Energy/Infra
8-15%
Medium
Low-Medium
Medium
E-commerce Venture
Variable
High
Medium
High (if successful)
🌟 New Investment Paths for 2025
🏢 REITs (Real Estate Investment Trusts)
REITs let you earn from big malls, offices, and hotels-without owning them. You get regular dividends, just like rent. It’s easy to buy and sell shares on the stock market. Many investors love the steady income and growth.
🏛️ Pag-IBIG MP2
This is a government savings program. It’s safe and pays more than most banks-usually 6-8% a year. Your money grows, and you help build homes for Filipinos. It’s a favorite for those who want peace of mind.
📈 Dividend Stocks
These are shares of big companies that share their profits with you. You get paid dividends, and your money can grow as the company grows. Choose strong companies like Jollibee or ICTSI for steady rewards.
🌱 Green Energy & Infrastructure
The world is going green! Investing in solar, wind, or new infrastructure can bring big returns as the world shifts to clean energy. These projects also help the planet and can pay off well in the long run52.
🛒 E-commerce Ventures
Online selling is booming. You can start small with dropshipping or your own brand. It’s risky but can be very rewarding if you find the right product and market.
🔄 How to Shift from VUL to These Investments
Check your VUL policy: Find out how much you can withdraw or get if you stop.
Talk to a financial advisor: They can help you avoid big losses or taxes.
Make a plan: Decide how much to put in each new investment. Mix safe and growth options.
Start small: Try REITs or MP2 first, then add dividend stocks or green energy as you learn.
Watch and learn: Check your investments every few months. Adjust if needed.
🧩 Why These Alternatives Shine
REITs and MP2 give steady income and are easy to understand.
Dividend stocks can grow your money and give you cash every year.
Green energy and infrastructure are the future-good for the planet and your wallet52.
E-commerce lets you be your own boss and earn more if you work hard.
Meet Cindy, a young mom who loves her family dearly. She dreams of earning extra money to give them a better life, but she doesn’t know where to start. One day, while scrolling through her social media feed, Cindy comes across a book that catches her eye—Second Income$ by Jomar Hilario. She wonders if this book could be the key to unlocking her financial dreams.
Cindy is not alone in her struggles. Many people face the same challenges: wanting to earn more but not knowing how. Let’s explore how Cindy can use Second Income$ to change her life and how you can too!
Cindy decides to take action. She starts sharing her journey with Second Income$ on social media, and soon, her followers begin to show interest. She earns her first commission from selling the book, and it feels amazing! With every sale, Cindy becomes more confident. She realizes that she can make a difference in people’s lives by sharing valuable information.
Years later, Cindy looks back on her journey and smiles. She’s built a community of people who support each other in achieving financial freedom. And it all started with Second Income$. Today, Cindy is known as a successful influencer who helps others earn a second income. She’s proud of what she’s accomplished and knows that anyone can do the same.
10 Questions and Their Answers
Here are the top questions Cindy might ask—and answers that will help her succeed:
1. How do I start promoting the book?
👉 Answer: Begin by reading Second Income$ yourself. Share your honest thoughts with your followers through posts, stories, or videos. People trust genuine reviews.
2. Should I use an affiliate link?
👉 Answer: Yes! Affiliate links allow you to earn a commission for every sale made through your link. Platforms like Amazon or Jomar Hilario’s website usually provide these links.
3. How do I make my posts stand out?
👉 Answer: Use eye-catching visuals 📸. Show the book cover, highlight key lessons, and share personal stories about how the book inspires you.
4. What platforms should I focus on?
👉 Answer: Instagram and TikTok are great for influencers with small audiences. Post short videos or reels discussing the book’s benefits. You can also try Facebook groups for niche communities.
5. Should I offer bonuses to buyers?
👉 Answer: Absolutely! Create value-added offers like exclusive tips from the book or a free mini-guide on affiliate marketing. This encourages people to buy through your link.
6. How do I connect with my audience?
👉 Answer: Be relatable! Share why you love the book and how it can help them too. Use emojis 😊 and simple language that resonates with families and everyday people.
7. Can I collaborate with other influencers?
👉 Answer: Yes! Partner with influencers who share similar values and audiences. Together, you can create campaigns that reach more people.
8. What hashtags should I use?
👉 Answer: Use hashtags like #SecondIncomeBook, #AffiliateMarketingTips, #SideHustleLife, and #JomarHilario to increase visibility.
9. How do I track my sales?
👉 Answer: Most affiliate programs provide dashboards where you can track clicks and conversions from your link2. Use this data to improve your strategy.
10. Is paid advertising worth it?
👉 Answer: If you have a small budget, try boosting your posts or running ads on TikTok or Instagram targeting readers interested in business books.
Comparison: Organic vs Paid Promotion
Method
Organic Promotion
Paid Promotion
Cost
Free
Budget required
Reach
Limited to followers
Wider audience
Trust Factor
High (personal connection)
Lower (ads feel less personal)
Time Investment
High (creating content)
Medium (setting up ads)
For beginners like Cindy, organic promotion is ideal to start, but paid ads can be added once she sees results.
Imagine this: You’ve worked hard building your business online. Customers are visiting your website, but something isn’t right. The pages load slowly, sometimes the site crashes during busy hours, and you’re losing sales because of it. You feel frustrated and worried every time you check your site. You know your business deserves better, but switching hosting sounds complicated and risky. What if the move causes more problems? What if you lose data or your search rankings drop? The thought of downtime and technical headaches keeps you stuck with your current provider, even though you know it’s holding your business back.
This pain is real. Every minute your website is slow or offline, you lose customers and credibility. Your competitors with faster, more reliable websites are stealing your sales. You want to grow, but your hosting is like a weak foundation that can’t support your ambitions. It’s stressful, and you don’t have time to become a tech expert just to fix it.
But here’s the good news: You don’t have to face this alone. There is a way to move your website to a premium hosting platform-one built for speed, security, and growth-without the usual headaches. Imagine a hosting provider that handles the migration for you, protects your data, guarantees near-perfect uptime, and offers expert support whenever you need it. A platform that scales with your business, so you never outgrow your hosting again.
In this article, you’ll discover the 10 crucial choices every business owner must make before migrating to a premium hosting solution like Liquid Web. These choices will help you avoid costly mistakes, reduce downtime, and unlock the full potential of your website. If you’re ready to grow your business with confidence, keep reading – because the right hosting can be the game-changer you’ve been searching for.
📝 10 Key Questions & Issues for Hosting Migration
🚦 1. Is My Website Ready for the Move?
Before you start, check if your website is healthy. Are there broken links, old plugins, or hidden bugs? Fixing these first makes the move smoother14.
🗃️ 2. Do I Have a Full Backup?
Always make a full backup of your website, database, and emails. If something goes wrong, you won’t lose your hard work145.
🧑💻 3. What Are My Website’s Real Needs?
Think about your traffic, storage, and special features. Do you have lots of visitors? Do you sell products? Premium hosts like Liquid Web can handle big needs, but you must know yours first45.
📈 4. Will the New Host Help Me Grow?
Choose a host that can grow with you. Can you upgrade easily? Can you add more power or space when needed? Premium hosts offer flexible plans for growing businesses46.
🛡️ 5. Is My Data Safe and Secure?
Security is a top reason to upgrade. Make sure your new host offers strong security, firewalls, SSL, and regular backups. Ask about protection from hackers and viruses456.
🕒 6. How Much Downtime Will There Be?
Downtime means your site is offline. Ask the new host how they minimize downtime. Some, like Liquid Web, promise almost 100% uptime, so your customers can always reach you67.
👩💼 7. Will I Get Great Support?
You want help fast if something goes wrong. Premium hosts offer 24/7 expert support, often with super-fast response times-sometimes under a minute67.
🌍 8. Where Are the Servers Located?
Server location affects speed. Choose a host with servers close to your main customers for the fastest website46.
🔄 9. What About SEO and Email?
Moving can affect your Google ranking and email. Make sure your new host helps you keep your SEO and email running smoothly during the switch2.
🔑 10. Is the Migration Service Really Free and Easy?
Ask if the new host offers free migration and how much help they give. Some premium hosts, like Liquid Web, handle everything for you, making the move stress-free7.
Mia sat at her cluttered desk, staring at the blinking cursor on her screen. She’d just hit 10,000 followers—a milestone she’d worked years to achieve. But instead of celebrating, she felt… stuck. Her blog posts, once buzzing with comments, now barely got a dozen likes. Her inbox was flooded with questions she couldn’t answer: “Why can’t I find your new recipes on Google?” and “Are you even posting anymore?” from loyal followers. She’d spent nights researching keywords, copying what bigger bloggers did, even begging friends to share her links. But her traffic graph looked like a flatline.
Then came the jealousy. She’d scroll through social media and see newer bloggers—ones with half her followers—landing sponsorships and going viral. “What am I doing wrong?” she muttered, deleting yet another post that flopped. Her family noticed her stress. “Mom, you’re always on your laptop,” her daughter said one evening, tugging at her sleeve. Mia’s heart sank. She’d sacrificed bedtime stories and weekend picnics for this blog, and it still wasn’t enough.
One rainy afternoon, Mia broke down. “I’m pouring my soul into this,” she told her best friend, “but I’m invisible!” Her friend handed her a mug of tea and said, “What if you’re just using the wrong tools?” That night, Mia Googled “how to escape the 10K curse” and found SEMrush. Skeptical but desperate, she tried its free trial.
Within minutes, the Keyword Magic Tool showed her hundreds of phrases her audience actually searched for—like “quick family dinners under $10” instead of vague terms like “easy recipes.” The Competitor Analysis revealed her rivals’ top-performing posts—and why theirs ranked higher. She used the SEO Writing Assistant to tweak old posts, adding headers and fixing clunky sentences. For the first time, she felt in control.
A week later, her “30-Minute Budget Meals” post popped up on Google’s first page. Comments flooded in: “This saved my week!” and “How did I not find you sooner?!” By month’s end, her traffic had doubled. Sponsorships she’d once chased now landed in her inbox. Best of all, she reclaimed her evenings—baking cookies with her kids instead of obsessing over analytics.
10 Questions Bloggers Should Ask About SEMrush 🌐
Here’s a guide to help content creators like Mia understand how SEMrush can boost their content marketing game:
1. What is SEMrush? 🤔
SEMrush is an all-in-one tool for online visibility and content marketing. It helps with:
2. How can SEMrush help me find the right keywords? 🔑
With tools like the Keyword Magic Tool, SEMrush helps you discover low-competition, high-volume keywords that match your niche. This ensures your content ranks higher in search engines46.
3. Can SEMrush analyze my competitors? 🕵️
Yes! The Competitor Analysis feature shows what’s working for your rivals—keywords, backlinks, and even their most successful content. This gives you a roadmap to outperform them36.
4. What about improving my existing content? ✍️
SEMrush offers Content Optimization tools that check readability, keyword usage, and relevance. It even provides suggestions to improve underperforming pages56.
5. Does SEMrush help with local SEO? 📍
Absolutely! The Map Rank Tracker lets you see how your website performs in specific locations, helping you dominate local searches13.
6. Can I track my progress over time? 📈
Yes! The Rank Tracking feature monitors your keyword rankings daily and shows how your efforts are paying off over time37.
7. Is it useful for social media management? 📱
SEMrush includes tools to schedule posts, analyze engagement, and even track competitors’ social media strategies—all in one place3.
8. How does it support paid advertising? 💰
With its PPC (pay-per-click) tools, SEMrush helps you find the best paid keywords and craft ad campaigns that convert better3.
9. Can SEMrush help me create better content ideas? 💡
The Topic Research Tool generates trending topics and headlines based on your niche, ensuring your content resonates with your audience6.
10. Is SEMrush beginner-friendly? 🧑💻
Yes! With tutorials, guides, and an intuitive interface, even new bloggers can start using it effectively within days12.
What Makes SEMrush Stand Out? 🌟
Here’s a quick comparison of SEMrush with other tools:
Emily’s heart sank as she watched her dad, once a lively storyteller, struggle to remember her name. He’d get frustrated over small things, pacing the house at night, muttering about “finding the way home.” Mealtimes turned into battles—he’d push away food he didn’t recognize, and Emily felt helpless, wondering if she was failing the man who’d always been her rock.
The exhaustion crept in. She barely slept, checking locks on doors to stop him from wandering. Guilt gnawed at her: “Am I doing enough? Will he ever feel like my dad again?” The stress strained her marriage, her work, even her health. She’d cry in the shower, wondering how much longer she could keep going without breaking.
Then a friend handed her a worn booklet titled “Holding On to Love.” Emily flipped through pages that felt like a lifeline—practical tips for calming agitation with music, creating safe spaces, and turning “no” into “let’s try this instead.” She joined a support group where others shared her fears, and slowly, hope flickered. She learned to anchor their days with routines: morning walks to the garden, afternoons with old photo albums.
One evening, her dad hummed along to a song he’d loved for decades. For a moment, his eyes sparkled with recognition. Emily squeezed his hand, tears streaming. It wasn’t perfect, but they’d found a way to hold on—together.
This is the journey of dementia: messy, heart-wrenching, but threaded with love. And no family should walk it alone. ❤️
Here are 10 common questions families ask about handling dementia—and answers that can guide you.
1. How do we communicate better with someone with dementia? 🗣️
Communication can be tricky, but it’s possible to connect:
Speak slowly and clearly.
Use simple words and short sentences.
Avoid correcting them if they get confused—redirect gently instead.
💡 Example: Instead of saying, “No, that’s wrong,” try saying, “Let’s talk about something else.” This keeps the conversation positive34.
2. How can we manage difficult behaviors like agitation or aggression? 😟
Behavior changes are common in dementia. Here’s what helps:
Stay calm and patient.
Identify triggers—like loud noises or unfamiliar faces—and reduce them.
Offer comforting activities like music or a favorite snack.
💡 Tip: Create a quiet space where your loved one can retreat when overwhelmed23.
3. What are ways to keep them safe at home? 🏠
Safety is key:
Remove tripping hazards like loose rugs.
Lock away sharp objects and medications.
Install alarms on doors if wandering is an issue.
💡 Comparison Table:
Unsafe
Safe
Open stairs
Stair gates installed
Unlocked cabinets
Childproof locks
Dim lighting
Bright lights
4. How do we create a daily routine that works? 📅
Consistency helps reduce confusion:
Keep wake-up times, meals, and bedtime at the same times daily.
Use visual cues like opening curtains in the morning or playing soft music at night.
💡 Activity Ideas: Gardening, painting, singing songs—these stimulate their senses and bring joy5.
5. Should we involve them in decisions? 🤔
Yes! Even small choices matter:
Ask simple questions like, “Do you want tea or juice?”
Respect their preferences when possible.
💡 Why it matters: It helps them feel valued and maintains their dignity1.
6. How do we handle wandering or getting lost? 🚶♀️
Wandering is common but manageable:
Ensure they wear an ID bracelet with contact info.
You’ve been posting for months—maybe even years. You wake up early to film videos, stay up late editing reels, and pour your heart into every caption. But your follower count? Stuck at 1,000. You refresh your screen, hoping for that big break. Instead, you see crickets. Meanwhile, other creators seem to grow overnight. Their followers cheer them on, share their posts, and treat them like family. Why not me?
The doubt creeps in. Am I boring?Is my content bad? You try copying trends, posting more, even begging friends to share your work. But the numbers don’t budge. You feel invisible, like you’re running on a treadmill—sweating but going nowhere.
Then, one day, you discover the secret: it’s not about numbers—it’s about building a tribe. A group of people who believe in you, who feel like they belong to your world. You start sharing stories instead of just posts. You ask questions instead of just posting photos. You celebrate your followers like old friends. Slowly, something magical happens.
Your 1,000 followers become 10,000. Then 50,000. Then 100,000. But here’s the twist: they’re not just followers anymore. They’re your tribe. They comment before you even ask. They defend you when haters show up. They stick around for years, not days.
This isn’t a fairy tale. This is what happens when you stop chasing likes and start building connection. Let me show you how. 🌟
10 Questions Content Creators Ask (And Answers!)
1️⃣ How do I stand out in a crowded space?
Answer: Focus on your unique story! Share personal experiences that resonate with your audience. People love authenticity—show them why you’re different 🌈.
2️⃣ What type of content gets the most engagement?
Answer: Mix it up! Use videos, blogs, infographics, and interactive polls. Videos and storytelling posts often get the most likes and comments 🎥📊.
3️⃣ How can I understand my audience better?
Answer: Create polls or surveys to ask them directly! Study their comments and messages to learn what they love ❤️.
4️⃣ Should I post more or focus on quality?
Answer: Quality wins every time! One amazing post is better than ten average ones 🌟.
5️⃣ How do I make my content visually appealing?
Answer: Use bright colors, clean designs, and eye-catching images. Tools like Canva can help you create stunning visuals 🎨✨.
6️⃣ How can I grow my followers faster?
Answer: Collaborate with others in your niche! Partnering with creators who share your values can introduce you to new audiences 🤝.
7️⃣ What platforms should I focus on?
Answer: Go where your audience hangs out! Instagram is great for visuals, TikTok for short videos, and Pinterest for tutorials 📱📌.
8️⃣ How do I keep my followers engaged?
Answer: Reply to comments, ask questions in posts, and host giveaways. Make them feel part of your community 🥳.
9️⃣ What tools can help me improve my workflow?
Answer: Try scheduling tools like Buffer or Hootsuite. They save time and keep your content consistent ⏰.
🔟 How do I measure success?
Answer: Track likes, shares, and comments. Use analytics tools like Google Analytics or platform insights 📈.
Juan’s heart sank as he stared at his empty lot, overgrown with weeds and littered with broken bottles. For years, he’d dreamed of building a small apartment complex there—six cozy studios that could provide steady rent income for his retirement. But every contractor’s estimate made his stomach churn: “₱3 million upfront, sir.” His pension barely covered groceries, let alone construction costs. He’d lie awake at night, imagining his grandchildren’s futures slipping away, while his land—his most valuable asset—sat useless, mocking him.
Then came the breaking point. His neighbor, Mang Pedro, sold his own lot to a developer for quick cash. “At least I got something,” Pedro shrugged. But Juan refused to surrender his legacy so easily. He spent weeks researching, talking to bankers, and even joining online forums for property owners. Slowly, a plan emerged—10 steps that turned his “impossible” dream into a roadmap. He learned how to use his lot as collateral, partner with small investors, and even negotiate with Pag-IBIG for a retiree-friendly loan.
Today, Juan’s once-empty lot buzzes with activity. Workers pour concrete for the first three studios, funded by a mix of staggered loans and pre-rental deals with future tenants. “Hindi pala kailangang maging mayaman,” he laughs, watching the steel beams rise. “Basta may lupa ka at diskarte, may paraan.” His lot, once a symbol of frustration, is now his golden ticket—proof that with grit and the right steps, any landowner can turn dirt into destiny. 💪🏽✨
(Translation of Tagalog: “You don’t need to be rich—if you have land and strategy, there’s always a way.”)
Ways to Proceed with the Project
Here are practical steps and ideas Juan can explore to move forward with his construction project:
1. Build Now, Pay Later Programs 🏗️
Juan can consider programs like Pag-IBIG Housing Loans or bank financing options. These allow him to start building without paying the full amount upfront.
Pag-IBIG Financing offers competitive interest rates and longer payment terms, perfect for retirees like Juan1.
Banks also provide construction loans with interest rates ranging from 5% to 12% per year and payment terms of up to 25 years1.
2. Partner with Investors 🤝
Juan can look for investors who might be interested in funding his project in exchange for a share of the rental income.
He can create a detailed project plan showing potential profits from rent to attract partners.
3. Project Financing 💼
Project financing is another option where the loan repayment comes from the income generated by the project itself.
This method is often used for infrastructure projects and could be ideal for Juan’s rental flats3.
4. Staggered Construction 🛠️
Instead of building all six units at once, Juan could start with two or three units. The rental income from these units could help fund the construction of the remaining ones.
5. Leasing or Selling Part of the Lot 🏘️
If Juan owns multiple lots, he could lease or sell one to generate funds for construction.
6. Consider Modular Construction 🧱
Modular construction is faster and often cheaper than traditional methods. It might reduce upfront costs while maintaining quality.
7. Explore Government Subsidies or Grants 🎖️
Some government programs might offer subsidies or grants for housing projects that benefit communities.
8. Crowdfunding Platforms 🌐
Juan can use crowdfunding platforms to raise money for his project by sharing his story and vision online.
9. Personal Loans 💳
If other options don’t work, Juan could consider personal loans from banks or lending institutions. However, he should carefully evaluate interest rates and repayment terms.
10. Rent-to-Own Scheme 🏠
Juan could offer future tenants a rent-to-own option where part of their rent goes toward owning the unit. This could attract tenants while providing upfront cash flow.
Q: I am considering purchasing a website and have questions about domain names. I understand that a website requires a domain name and am seeking advice on choosing the most appropriate one. I have noted that it is recommended to use a private name for the domain.
I have concerns about using my own name as the domain because I do not have a background in digital marketing; my expertise lies in water treatment as a chemical engineer.
I am transitioning back to the Philippines and looking to start an online business related to water treatment. I am contemplating how to position myself online, especially since my profession is not directly related to digital marketing, and I worry about credibility when presenting myself in this new field.
A: DOMAIN NAME
WEBSITE
Website – a good option is to keep your name and identity private from the website. As a Facebook user, you can promote this website (W/c you own), of course. However, the website doesn’t have to have your name, degree, expertise, or mention of chemical engineering. So, what should be on the site? Here’s a mindset to use: “I will make sites that answer the questions of my best buyers.” (This concept is in the book Second Incomes”) The questions will come from Google. They can also come from you asking the AI, “What are the top most painful questions said by ____ who are doing ____or trying to accomplish _____ but they fail?”
Note this last example on alcohol: They’re also selling an app (about alcohol!). In both cases, 1. The name of the author is not there.2. The qualification of the author is not there.3. The face of the author is not there. This is because people care only about “How can this Essay Help me?” If it helps them, they buy.They don’t bother about who sent them the essay or link. PRESENTING YOURSELF AS A DIGITAL MARKETERYou don’t have to.You only do this if you want to be a freelancer who’s into digital marketing.This is covered in Virtual Careers, my first book. And is covered in my Social Media Marketing 2023 Ebook.
PRESENTING YOUR WEBSITE AS A SOURCE OF UNIQUE INFORMATION ABOUT ________This is ideal. SHOULD MY WEBSITE BE ABOUT WORDPRESS?Not really.Hammers are a tool.So are drills.Both are used in different ways by different professionals.If I wanted to “sell drills” – I could make a website about RESTORING ANTIQUE FURNITURE or CREATING A WOODEN DECK SO YOU DON’T HAVE BARE GRASS IN YOUR BACKYARDor MEN’S TOOLS (drills alongside, shavers, etc.).The readers would be people who will eventually want to use the same drills or same hammers I talk about in the site. WHO ARE YOU?The mindset is – who are the specific users of WordPress websites?A Google search or an AI question can give you the answer.But open your eyes, as WordPress powers 45% of the world’s internet.Almost half of the sites you see out there use WordPress.So, who are they?They all paid for WordPress -so they must have money.So who will you serve? ASK THIS QUESTION”What interests in my life would I like to Google, talk about, and read about?”These are easy and challenging questions, depending on your mindset. Initially, it’s the college course we took or the job we did.But that’s not all.Our tiny interests are also shared by a lot of people online.For example, “Home Organic Farming.” This became a hit online – especially during the pandemic when everyone was trying to plant stuff at home.Another one is Pokemon Cards Trading. -lots of money there. So, with NBA cards. Another one is Esports using Call of Duty (or Valorant, etc). MY TAKEFor many people, asking, “What do I like?” is impossible.They say “none” or “all”.Or they refuse to answer until they have a “sure” answer or a “perfect answer.” So my take is to forget about your likes – if you take more than 4 minutes to answer this question. WHY?AI is taking over people’s attention.So, you cannot avoid conversing with people today – that doesn’t go into how they use AI.Since the attention is there, THAT’S THE NICHE.That’s the topic.
So AI. What about AI?AI Tools, of course.Everyday AI tools with Affiliate Marketing Programs come out.They’re free and quick to join.So you use them, try them out, ask the AI to talk about them – and put that content in your WordPress.You earn money that way. SO HOW DO YOU SELL WORDPRESS WITH THIS?If your focus is selling WordPress, research the users you want to serve.The ones with money to spend. Research – how are your AI Prompting Skills? This is when you ask the AI your question instead of asking Google.Example: It takes a few seconds to copy this AI Prompt: “Please provide two separate lists of notable WordPress websites. The first list should include 25 technical websites with concise descriptions and estimated traffic numbers, formatted as follows: [Website Name] – [Description]. ~[Estimated Visitors]. The second list should include 25 non-technical websites, also with concise descriptions and estimated traffic numbers in the same format. Ensure that the descriptions are brief and relevant to the content of each website.”
Then, paste it into an AI LLM ( chat.openai.com for example ) and get the result. Which is this list:
Technical Websites
WPBeginner – Guides for WordPress beginners. ~2M visitors.
WPMU DEV Blog – Tips for WordPress developers. ~300K visitors.
SitePoint – Tutorials for web developers. ~800K visitors… ….
GitHub Blog – Updates from the GitHub platform and community.~500K visitors.
Non-Technical Websites
Pinch of Yum – Food blog with recipes and cooking tips. ~1.5M visitors.
Austin Kleon – Author blog on creativity and books. ~500K visitors.
Boing Boing – Articles on culture and technology trends.~1M visitors.
Observer – Lifestyle and political news site.~1M visitors.
Daybreaker – Dance events in various cities.~200K visitors.
The Harvard Gazette – University updates and events.~600K visitors.
Inhabitat – Articles on eco-friendly living.~600K visitors.
Yummy Tummy – Recipes and cooking techniques.~500K visitors.
A Beautiful Mess – DIY projects, recipes, and home decor ideas.~700K visitors.
Spoon Fork Bacon – Recipes and cooking tips.~300K visitors.
Apartment Therapy – Inspiration for small spaces.~2M visitors.
The Kitchn – Recipes, tips, and kitchen hacks.~1M visitors.
The Everygirl – Career advice, travel tips, and home decor ideas.~700K visitors.
The Art of Manliness – Advice on men’s lifestyle topics.~1M visitors.
Three years ago, the answer would take hours to figure out.Today, in three seconds, you have the answer. So, what do we use this list for?We read it and get inspiration – who we wish to serve.For example: 1. HELP THEM MAKE ONE LIKE ITIn the Art of Manliness, this is an example of the niche of men’s lifestyles, which is a good topic. It doesn’t mean you’re going to make a blog like it.It means your website will encourage people to make a blog about men’s lifestyle. What do they need to make a blog? WordPress!
Now, who are these people who would want to do this? To find out the answer, you should READ the Art of Manliness website. Who are the people featured there? Are they dress /suit makers?Are they custom mechanics?Are they real estate sellers of bachelor pads? Are they evil swingers or holy Catholic dads?All the above – may want to make a website – like the Art of Manliness.Who’s going to help them do that? Your Website.How will you help them? Well, that’s not even the first goal. The first goal is to get their attention by making content they like. This content must solve a problem for these people.Then we can talk about websites.Your goal is never to “sell WordPress” – it’s to serve them first.WordPress can just be one of the things you sell them.
Example: This girl has a WordPress that talks about her family’s finances.
How does she encourage people to make WordPress websites?
She mentions it – “If you like to make a blog about your family’s finances, click here to use the same tools I use ________”.
She only mentions it some of the time.
But she does mention it.
Is her content about WordPress?
Sometimes only.
It’s mainly about Family Finances.
I hope this is clear now.
EMOTIONAL IMPORTANCEWhat topic do we want to talk about or research more about?Your emotional interest in the topic is essential because it will help you get up daily and research it.If your interest is only in “earning from it,” you better be committed than most.Earning money is a lousy goal when doing sideline or side hustles.
A bad day can cause you to give up by playing basketball or re-watching the All Three Lord of the Rings Extended Edition and then forgetting about your WordPress project. AN EMOTIONALLY INTERESTED NICHE THOUGHIt can help you with motivation…And you’ll increase your interest in it as time goes by.This is a long game. All businesses are long games. This is not “an investment” where you wait for the “ROI” after five years. You’ll need tons of cash for “investments” like that. This is a business we’re building.Even if it feels like and is “just” a sideline business. This one has a potential to be a major source of income. But we underpromise and call it Second Incomes so you’ll be less stressed. You’ll also be more committed to doing this long term.Because it is.
Are you looking for an alternative to ActiveCampaign? Look no further than Systeme.io. Systeme.io is an all-in-one business system that helps entrepreneurs meaningfully connect and engage with their customers. In this article, we will compare ActiveCampaign and Systeme.io, highlighting the pros and cons of each platform.
5 Point Product Review
Here is a comparison table of ActiveCampaign and Systeme.io based on pricing and number of contacts:
Contacts
ActiveCampaign
Systeme.io
Savings
100
$15
$0
$15
500
$29
$0
$29
1000
$49
$0
$49
2000
$99
$0
$99
5000
$139
$27
$112
10,000
$225
$47
$178
25,000
$349
$97
$252
Note: For 0-2000 contacts, the price of Systeme.io is zero.
Here are the pros of ActiveCampaign:
Offers a wide range of features.
Has a user-friendly interface.
Provides excellent customer support.
Integrates with many third-party applications.
Offers a free trial.
Here are the cons of ActiveCampaign:
Expensive for small businesses.
Steep learning curve.
Limited automation capabilities.
Limited reporting capabilities.
No free plan.
Here are the pros of Systeme.io:
Offers an all-in-one business system.
Provides excellent value for money.
Offers a free plan.
Has a user-friendly interface.
Provides excellent customer support.
Here are the cons of Systeme.io:
Limited automation capabilities.
Limited reporting capabilities.
Limited integrations.
Here is a table comparing extra features of both platforms:
Features
ActiveCampaign
Systeme.io
AB Testing
Yes
No
Autoresponders
Yes
Yes
CAN SPAM Compliance
Yes
Yes
Campaign Analytics
Yes
Yes
Contact Database
Yes
Yes
Contact Management
Yes
Yes
Customer Surveys
Yes
No
Customizable Fields
Yes
No
Drip Campaigns
Yes
No
Dynamic Content
Yes
No
Email Campaign Management
Yes
Yes
Event Triggered Actions
Yes
No
Here is a list of things not in ActiveCampaign but in Systeme.io:
Free plan available
All-in-one business system
User-friendly interface
Excellent value for money
Excellent customer support
Here is a list of countries that ActiveCampaign can work in as of 2023:
United States
Canada
United Kingdom
Australia
New Zealand
Ireland
Singapore
Germany
France
Spain
Affiliate marketing for other people’s products is allowed in both ActiveCampaign and Systeme.io’s TOS.
Here are ten simple questions people normally ask about Systeme and their answers:
What is Systeme.io?
Systeme.io is an all-in-one business system that helps entrepreneurs meaningfully connect and engage with their customers.
What are the pricing plans for Systeme.io?
Systeme.io has four pricing plans: Free, Startup, Webinar, and Unlimited.
Does Systeme.io offer a free plan?
Yes, Systeme.io offers a free plan.
In conclusion, we recommend using Systeme.io as an alternative to ActiveCampaign because it offers an all-in-one business system that provides excellent value for money and has a user-friendly interface. Use “Alternative to active campaign” more to improve your SEO ranking!
Disover the Checkout & Affiliate System: Kajabi vs. Systeme.io
Looking to streamline your payment process and boost sales? With Kajabi and Systeme.io, you can harness the power of integrated checkout systems. Let’s explore the unique features of each platform.
In Kajabi, payment processing is facilitated through Offers, each equipped with its own checkout. However, customization options are limited, and you won’t have the freedom to use the page builder for editing. Additionally, Kajabi falls short in displaying multiple pricing options on a single checkout.
On the other hand, Systeme.io offers more flexibility in its checkouts. Not only can you showcase multiple payment options, but you can also effortlessly sell various products, such as digital, physical, and services. Unlike Kajabi, Systeme.io caters to a wider range of product types.
Both Kajabi and Systeme.io enable convenient 1 click upsells, downsells, and order bumps, enhancing your sales potential. When it comes to payment gateways, Kajabi integrates seamlessly with Stripe and Paypal. On the other hand, Systeme.io expands its reach, supporting additional gateways like Razorpay (for the Indian market) and MercadoPago (for the Hispanic market).
Affiliate programs play a crucial role in driving product promotion and boosting commissions. Both platforms offer integrated affiliate features, allowing you to invite individuals to promote your products. Users become affiliates and gain access to dedicated dashboards, featuring unique affiliate links. However, Systeme.io gains an advantage here by automating affiliate payouts, a feature lacking in Kajabi.
In conclusion, if you seek a seamless and versatile selling tool, Systeme.io emerges as the winner. It excels in flexible checkouts, diverse product options, and automated affiliate payouts, making it a comprehensive solution for your business needs.
Certainly! Below is a comparison table of pros and cons for Systeme.io and ActiveCampaign:
Aspect
Systeme.io
ActiveCampaign
Pros
– Versatile checkout system for digital, physical, and services
– Powerful email marketing automation
– Multiple payment options with easy product selling
– Advanced marketing automation features
– Integrated affiliate program for product promotion
– Excellent CRM capabilities for lead management
– Automated affiliate payout for easy commission distribution
– Extensive third-party integrations
– Support for multiple payment gateways
– Robust segmentation and personalization features
– User-friendly checkout builder with customization options
– Comprehensive reporting and analytics
– Suitable for a wide range of businesses and product types
– Seamless integration with e-commerce platforms and websites
Cons
– Limited customization options for checkouts
– Learning curve for beginners due to feature-rich interface
– May lack some advanced email marketing features
– Pricing can be higher compared to some competitors
– Smaller third-party integrations compared to larger platforms
– Occasional delays in customer support response
– May not offer the same level of CRM capabilities
– Automation rules can be complex for inexperienced users
– Limited support for physical product fulfillment
– Some features may be unnecessary for smaller businesses
It’s essential to consider your specific business needs and priorities when choosing between Systeme.io and ActiveCampaign. While both platforms have their strengths and weaknesses, they cater to different aspects of online business management, and your decision should align with your unique requirements.
You will now see all the features of this wordpress I’ve loaded for you. DO NOT DO ANYTHING MANUALLY. Use these RED BLOCKS to create your mega post!
Below is a BUTTON. You need to put a LOT OF THESE INSIDE YOUR POSTS.
I’ve a bonus for you, click the link below to find out how to use this system to make $11,000. Free resource for you.
You will now see all the features of this wordpress I’ve loaded for you. DO NOT DO ANYTHING MANUALLY. Use these RED BLOCKS to create your mega post!
This is a FLIP CARD
You can tap on this to flip it.
Hey! It’s the back of the card!
For example you have a question you want the reader to ANSWER. They find the correct answer by flipping this card. They forces them to interact, making them stay longer in your site. This is a good thing. You are entertaining them.
Sometimes it’s not outside your comfort zone. It’s the next logical step in your journey.
(Overheard in Instagram)
This is a POPUP. Just erase or click the link below to edit or remove the popup. Usually, you don’t use POP UPS in your Affiliate Marketing AT FIRST. This just a demo.
You need to study the layout and style of the MEGA POSTS. This is not the style. This is here to show off what kind of things you need to make for your mega posts. -Jomar Hilario
To hide this, just EDIT THIS, then “SWITCH TO DRAFT” this post. No need to delete.
