Most OFW’s Families Are Not Protected

Filipinos working overseas (OFW’s) are always exposed to a lot of physical risks. They travel from their apartments/housing camps to work either by train, shuttle bus services, by cars  on highways, bicycles, or even on foot.

In hazardous workplaces like factories, mills, chemical plants, and even offices, OFW’s face everyday fears of accidents and tragedies while thinking about their loved ones back home.

But the most alarming part in this already worrisome conditions of our OFW’s is that most of them and their families are not protected enough with insurance.

When an OFW passes away due to accident or even by natural cause, his or her family back home is left with almost nothing but the last payment from his/her employer. And maybe a few more from the government’s grant or financial aid. Continue reading Most OFW’s Families Are Not Protected

What Happens To Your Stocks When You Die?

What happens to your stocks when you die?

They’ll get stuck. Just kidding. 😉

Some of my colleagues and forum members were asking me this question as I was promoting to them the benefits of investing in the stock market. I know. This should have been written last month during Halloween.

But seriously, this is one question that any investor should not be ashamed to ask. As a matter of fact, this should really be discussed by any investing family person with his or her family members and loved ones even during ordinary days. And with disasters such as the recent typhoon, we really need to be ready.

Someone from your family must know the things to do when you die. One of these is taking care of your estate. Continue reading What Happens To Your Stocks When You Die?