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The others are natural resources (including land), and labor — the stock of competences embodied in the labor force."Physical" is used to distinguish physical capital from human capital (a result of investment in the human agent)), circulating capital, and financial capital.[1][2] "Physical capital" is fixed capital, any kind of real physical asset that is not used up in the production of a product. In other words, are you not connected with a single company that considers you on its monthly payroll?

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You can claim death benefits from Pag-ibig Fund only if you’re a legal heir or beneficiary of a Pag-ibig member who has died. The amount of this is equal to the member’s Total Accumulated Values (TAV). List of primary legal heirs or beneficiaries: – Spouse (wife or husband) – Children, whether legitimate, illegitimate, or legally adopted – Parents of member List of secondary legal heirs or beneficiaries: – Grandparents of member (father’s side and mother’s side) – Brothers and sisters of member – Nephews and nieces of member – Other nearest relatives [adsense] Note: For the distribution or sharing of benefits, the intestate succession rules contained in the New Family Code is followed.

Any authorized representative is required to present a Special Power of Attorney (SPA) (Use Pag-ibig Fund SPA Form FCP014), his or her valid IDs, and the valid IDs of the member and beneficiaries.

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Here are the respective requirements for different categories of Individual Voluntary Members. You may be employed by one or more companies, but for some reasons, you choose to pay your Pag-IBIG contributions by yourself without their aid.

In economics, physical capital or just capital is a factor of production (or input into the process of production), consisting of machinery, buildings, computers, and the like. The bad news is you have to shoulder of the contributions yourself without the aid of a company or employer.