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The same with savings accounts, there’s also 20% withholding tax on the few pesos earned as interest. , even if you missed paying for some months, or if you’re unable to continue contributing to the program.

If there are gaps in your contributions, you are not penalized. Or visit any Pag-ibig branch with your IDs and apply for Modified Pag-ibig II membership.

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Pag-ibig Fund will not vanish like the pre-need firms mismanaged by families who never returned what the planholders sacrificed to pay over many years. There’s a 5% interest rate, but this is only given to time deposits of at least 1 million pesos and should not be withdrawn within 5 years.

Wish list: more transparent algorithm, return to client-authored-questions, being able to see a full list of matches as it appears that only a subset is shown at any one time (I believe this limitation is only in part due to some users wishing to only be displayed in match results while online).

I'm a paying member of OKCupid, but occasionally use it as a free user.

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