Winter is in full swing for me in Utah.  Here’s what it looks like:

In the Philippines, it’s the holiday season, which means it’s time for you to pay your OFS the 13th month.

If you don’t know, here’s a full explanation of the 13th month.

If you already know about it and just want to know how to compute for it, the simplest method is to add all the money you’ve paid them through the year and divide by 12.  Super simple.

If you’re going to include a Christmas bonus, now’s a good time to send it.

We sent both the 13th month and a Christmas bonus a week ago, but I forgot to remind you.