BMF Vault Blog
Every article is written for one specific problem, cites where its facts came from, and carries a review date — because rules and prices change, and a page that does not say when it was last checked is not worth trusting.
A 40% markup is not a 40% margin. It is a 28.6% margin. Here is the arithmetic, in pesos, and the discount mistake it causes.
I add a percentage on top of my cost, so that percentage is my profit — right?
7 min read
Read the articleYour first hire costs more than the wage you agreed on. Here is the employer share of SSS, PhilHealth and Pag-IBIG, the 13th month pay you must fund by 24 December, and the contractor shortcut that has already failed in court.
9 min read
Track nothing, or try to track everything and quit by the fifteenth — there is a third option. Here are eight numbers a one-person business can keep in a notebook, and what each one is telling you when the reading goes bad.
9 min read
Your team grew but your hours did not shrink. Here is why the handoff keeps failing in a small Philippine business, and a practical order for giving away your first task.
9 min read
Before you spend money on ads, more stock, or a second location, five things inside the business need to hold. Here is how to check each one honestly.
8 min read
A busy inbox and a quiet cash drawer is not a traffic problem. It is a conversation problem — and it comes down to five fixable habits.
10 min read
Likes, views and shares are not demand. Here is why attention does not turn into orders on its own, what a post has to do before anyone can buy from you, and which numbers are worth counting instead of followers.
9 min read
You may have been told you need an FDA license. Read the FDA's own rules and you will find that restaurants, catering and street food selling are named as businesses it does not cover, and placed under the LGU instead. Here is exactly where the line sits.
10 min read
The order is DTI, then your city hall permit, then BIR — and the barangay step has changed. Here is what each office actually does, what is fixed nationally, and what you have to go and ask about locally.
12 min read
Your sales are fine and your bank account is empty. That is not a spending problem — it is that your money has moved into stock and into suki utang. Here is how to find it.
8 min read
