If you have a job opening, you will need to pay to post the job and search for contractors on this site. If you are looking for work, we assume you don’t have enough money so you don’t pay.
That depends on a large number of variables, but we highly recommend that you put the amount that the gig pays in the job description. Rates depend on the specific knowledge, skills, aptitude, and attitude needed to excel at the tasks you need someone to perform. You should always have a budget and scale your demands to make sure you stick to that budget. You can always poke around the Internet to find what people are paying or requesting for certain jobs, but keep in mind that a job title does not really tell you what the person doing the job is really doing - or what competencies are most important for success. Location also matters as there are market differentials always at play. It is all about supply and demand.
First, Canos are not all rich. Things are way more expensive in the US than the Philippines, so it can look like we have a lot of money, but we also have to spend a lot on bills. (On April 17, 2024 I took my son to Jollibee in Orlando, Florida and it cost us USD$46 [₱ 2,622] for 10-pieces of chicken, 2 large fries, and 2 pineapple quenchers.) Second, the Canos who need an independent contractor are all in very different places. Some have a pet project with a small amount that they set aside to realize this dream. Some have a small company and they are facing crippling inflation and cannot afford to pay someone in the US, so they are looking for a more affordable contractor. Some work for companies that already use independent contractors and they are working with a budget that was assigned to them for a project. Some want to help the Philippines, and its people, become a stronger force in Southeast Asia - and they want to invest directly to help that economy. (Those people might also be married to a Pinay.) As an independent contractor, you should know what you want to get paid - and hopefully, that is based on market research. If a job is posted that does not pay as much as you think you are worth, don’t apply to it. You will only be wasting everyone’s time. And, if a Cano sees that no one is applying for their job, they might increase the pay to attract candidates. But, every Cano has to stick to their budget and make sure all of the work gets done the right way, at the right time, and with the right quality.
We do not sponsor or recommend any money exchange platforms. I can tell you that I have tried several platforms and I always come back to PayPal. It is way more expensive than other means by which to send someone money in the Philippines because it has a terrible foreign exchange rate and it charges me a fee every time I send money - no matter how much. However, the independent contractors love the immediate receipt of money and their happiness often results in extra discretionary effort being put into the tasks they are doing for me. Hard to put a price tag on that…
Don’t mess with other people’s money! Always do the right thing! (Just keep those two points in mind and it will all work out.) I highly recommend that independent contractors get paid weekly - and not a week in arrears. Pay them at the end of the week based on their deliverables for that week. And, do NOT pay them in advance for work they will be doing. (For example, if a contractor says that they need an advance because of a family emergency, dead cellphone or computer, etc. - don’t be sympathetic. Stick to the contract and only pay for the actual work already completed - and received!) Once you both have worked together for several months, you can negotiate other terms. However, keep in mind that many contractors live paycheck-to-paycheck and they rely on that money to pay rent, utilities, food, and to take care of extended family. Don’t make them wait any longer than necessary.
We do NOT provide financial or legal advice. However, this is what we have found while researching this topic: The US has a treaty with the Philippines because the US wants companies to help keep the Philippines economically strong and the Philippines wants to help as many Pinoy stay employed as possible. This treaty states that Americans do not have to do any withholding. The Canos simply pay the Filipinos directly. The Philippines government expects the Filipino contractors to set up their ‘company’ and pay taxes based on that income. It is important to realize that the very first step is for the Filipino to complete a W-8 BEN before they start working for a Cano. The Cano must have this on file to prove that the independent contractor attests that they are not a US citizen or a person living in the US - and that they are a Filipino in the Philippines.
Independent contractors should only expect to get paid the rate that was offered in the contract that they have with the hiring person or company. Independent contractors are NOT employees! There are no employee benefits! In fact, if a Cano pays for equipment (e.g. a new cell phone, computer, pencil), they have just broken the law in the Philippines! Independent contractors in the Philippines must have all of the necessary competencies and equipment required to do the job that they were hired to do. Otherwise, they are an employee. If a Cano hires an employee, the Cano must have a company registered in the Philippines, an office in the Philippines, pay taxes in the Philippines… and on and on and on. That is why we only facilitate connections between hiring people and independent contractors. We do NOT help anyone find and hire employees! With all that said, the Cano might want to provide certain incentives or pay enough to cover certain costs that the contractor might have. By this, I mean that the Cano might pay the traditional 13th month, help the Filipino cover SSS and PhilHealth, and/or pay a bonus if certain goals are achieved - per the contract. However, a Cano should NEVER pay for supplies!!!
Only if you are a Filipino. Canos are not allowed to send balikbayan boxes to people in the Philippines. I already tried (twice). The 3-foot cube box would have cost me USD$110 to send, but that rate is only for Filipinos that are sending stuff home to family. Instead, the shipping companies wanted me to spend USD$240 per address. I was hoping to send US stuff to my five contractors. That would have cost well over USD$1,000 so I decided to not do that…
Create an account. Add a resume and other information that highlights why you are a great fit for the job requirements. Click on the job and complete the company’s required steps.
Contractors do not pay to use this site. Companies pay to post positions/needs. We are considering some premium features that contractors might want to use, but we assume you are on this site because you need a job and money.
On FilipinoContractors.ph we built a site dedicated to educating Filipinos about what it means to be a contractor, what to expect from working for a Cano, and how to highlight your knowledge, skills, abilities, and experiences - so that Canos realize you would be a great fit for their needs and wants. We strongly suggest that you create a portfolio of things you are proud to have created and save that information online somewhere. Then provide a link to your portfolio on your resume.
It is all about timing. We need a Cano who is looking for someone with the same knowledge, skills, abilities, and experiences that you have to post a gig at the same time that you are open and looking for a new contract opportunity on FilipinoContractors.com. The Cano will also be looking at your profile and resume and making a determination whether you look like a good fit for their needs and wants.
This is a very niche site. It is unlikely that a company or individual is going to pay money to post a fake contract opportunity. More likely, someone is testing the waters with the site and they don’t really know what they need or want. They might get frustrated and just not hire anyone to do the work. But, there are bad actors everywhere in the world and it is possible that a nefarious character will think it is worth spending the money to trick contractors into spending money on bogus resume services, background checks, or supplies required for a fake job. Real companies will not require you to spend any money to apply for a job! If someone wants you to pay for something during the selection process, please let us know so we can ban their account!
We strongly encourage companies and individuals that are hiring contractors to be very transparent. The more information provided up front in the selection process, the more likely the best contractors are to express interest in a position. The goal for every employer is to pay as little as possible (to save money). The goal for every contractor is to get paid as much as possible (because we are working to pay the bills). If the job posting does not list the salary, ask that question right away. No need to waste your time - or their time - if it is not enough. Just like finding a significant other, there are all kinds of companies and contractors out there. Eventually, folks find a match. Don’t be offended or act all self-righteous if you don’t think the position pays enough money. Somebody out there is willing to work for that amount and they will really want to work for that company/individual. The contracts that pay the most also have the highest expectations of competence (knowledge, skills, abilities, and experiences). The lowest-paying gigs are typically those that give contractors their first break and include a lot of training and other investments by the company. Just be mindful that you should not burn bridges! People have long memories about negative experiences. (And, Reddit posts are easily found and saved…)
The laws in both the US and Philippines are very clear about the differences between employees and contractors. There is a LOT more paperwork and government red tape required when hiring an employee in the Philippines for a US-based company or individual. That results in hiring an employee being a lot more expensive and time consuming than hiring a contractor. Most Canos will simply hire someone in the US to avoid the extra effort. However, if you want to figure out what your career should look like and how to position yourself for that adventure, you should check out “ Your Career Adventure Workbook ” by Darin Phillips (me). There are a lot of tips and techniques that you can use to also make sure you have an awesome profile and portfolio that will help you get selected for a contract position - even though that was not the intent of the book.
https://www.amazon.com/Your-Career-Adventure-Workbook-awesome/dp/B0BJN5BWZ3
The very first contract opportunity posted on this website was for a Pinoy/Pinay contractor to participate in an educational interview with our founder (me). They were paid to participate and to convert the video into something that could be posted on YouTube. However, supply and demand quickly took over - as well as my empty pockets because I built this business using my personal money (no investors). Now I let contractors participate in the interviews as a way to add to their portfolio and learn how to be an effective contractor (or candidate). They get exposure, training, and useful tips/techniques. We get another video on YouTube. Just ping us if you are interested.
We suggest you take the time to read through the blog and FAQs on the FilpinoContractors.com site. The same way that the FilipinoContractors.ph site was built to educate and help contractors be excellent candidates and contractors, the .com site was built to educate and help companies and individuals be awesome. This includes our recommendations for the steps to take when vetting contractors to determine which one is the best fit for the contract. We encourage companies to take some time, consider all kinds of individuals, have at least 2-3 unique touches/meetings with the candidates, and to include both behavioral interview questions and a work sample. Making a wrong choice can be very expensive (waste of effort, time, money, etc.). As a contractor, you should also take your time and make sure the contract opportunity is a great fit for your career and life. Both sides should avoid rushing to a conclusion based on first impressions! Thus, the more contractors that are under consideration, the number of steps in the selection process, and the availability of the candidates and the hiring person are all factors to consider when trying to figure out how long the selection process will take.
This is an interesting conundrum. A resume that seems to be all over the place (lack of focus on a single career path) can be distracting - especially if the hiring manager or company is looking for someone with advanced experience. And, to be fair, it is obvious that a lot of job boards allow companies to parse profiles based on the exact words in a job posting. That requires contractors to create a new resume for every single position they want, so that they include all of the relevant keywords and get a higher “score” or match rating. However, we educate the Canos on what to look for and how to effectively assess for the most important competencies (knowledge, abilities, skills, and experiences). We also don’t include that parsing garbage on our site. (There are so, so, so many problems such as candidates must misspell words that are misspelled in the job description, there are several different ways to say the same thing, and the most qualified candidates are usually overlooked.) We also discourage multiple accounts because we want to give companies an accurate number when they want to know how many Pinoy/Pinay are actively looking on our site. (We shut down inactive accounts, unlike our competition because transparency and trust are keys to our success.)
We allow the companies and individuals to initiate contact, not the other way around. If a company includes their contact information in the posting, feel free to reach out. However, it can be overwhelming to get pinged by hundreds of people who are desperate for work - especially when a large number of those individuals are not qualified. We want to be easy to do business with. We want to eliminate as much friction as possible.
We do not guarantee that you will get selected. We do not guarantee that you will get paid if you get hired. We do not guarantee that hackers will never break our site or steal the information that is in our databases. We are a site that facilitates connections between people. Outside of that, all sorts of things can and do happen. We think we are worth the risk if you are willing to take it.
We recommend that you create folders on your computer. For each job, save a copy of the job description, the resume you submitted, and a document that includes the dates and times of each contact with the company - and notes from each contact. If, for example, the company wants you to speak with several people, you should expect at least one person to ask you to email them your resume. Maybe they never got a copy. Maybe they want to check to see if you send them the same resume that you used when applying for the contract gig. Or, the same person asks you the same question on two separate occasions to see if you provide a consistent (perhaps truthful) answer. It sure would be nice if you took notes and you remember what STAR answer you gave to that question the last time you were asked…
You are so busted. You did not read the useful blog posts on FilpinoContractors.ph , did you? Do you even want to put your best foot forward and showcase your awesomeness? I don’t know…
We have that functionality, but it has several problems. First, everyone that is NOT selected for a contract gig immediately provides a negative rating or review. (Very few people are mature enough to accept that someone else applied that was a better fit or more qualified. Thus, it must be someone else’s fault - the company’s.) Second, competitors use our site and they might write a bad review to try to game the search engines against the company that they don’t work for. Yelp and Google Maps are both rife with fake reviews left by competitors instead of actual customers or employees. On GlassDoor you can easily spot multiple accounts created by the same person to write several negative reviews. (Those folks tend to be people that were fired for doing things they should have not done, and as noted above, it is not their fault!) We reserve the right to test, implement, or remove this functionality. We don’t want to facilitate bogus feedback.
No. We do not provide financial or legal advice! We have done a lot of research. Our founder has employed contractors from the Philippines since 2020. We share tips, tricks, and techniques based on what we find - and links to the information when it is clearly documented. But, our information can be quickly and easily outdated by a change in rules, regulations, and laws. There are also judges and juries that interpret the laws in unique and interesting ways. It is a terrible field full of landmines if someone offers legal or financial advice. We cannot attest to anything being absolutely true. We cannot promise anything is absolutely legal. You need to do your own research. Or, better yet, hire an attorney, accountant, etc. and get their guidance and advice.
No. There is a possibility that at the exact time you are looking for a contractor, someone that is a fantastic match for the competencies that you determined were critical to success in that role was not looking for a contract gig on our site. Timing is everything in life… But, you might also write a boring or vague listing. What if you have demands that contractors don’t like? What if you treat potential contractors poorly during the selection process? What if you meet a fantastic match, but you don’t realize it because you are assessing potential contractors all wrong? So… no, there are no guarantees.
Create an account, select a plan, write a compelling and transparent listing, search through the contractors on the site and review the profiles of the contractors that express interest in the gig. Contact the ones that look most promising and evaluate their competence for the tasks you need them to perform. Make an offer. Accomplish great things together. (Yes, we know this takes you way past just posting the listing, but you probably want to know all the steps.)
Check out the prices and select the plan that allows you to post the number of contract gigs that you have open. Or, purchase a few extras for future use to get a better per-post price. If you are an early adopter of our site you will get very low rates. As we experience more traffic and success, we will be raising prices. You might want to lock in early…
While sourcing contractors from the Philippines in 2020, I found that there were a lot of misunderstandings. Expectations were different, cultures were different, and clarity around the steps that should be taken by both parties to ensure a great match was sorely lacking. Thus, our big differentiator is that we educate both Filipinos and Americans on all of these factors - and more. The .ph site is directed at the contractors in the Philippines, so that they present themselves in an accurate and compelling way - and so that they can understand the perspective of a Cano (American) that needs a contractor. You might want to check it out and see what the contractors are being told.
You need to be fully transparent about several things: why this opportunity is available and what the contractor will need to accomplish, how performance against the objectives will be measured, the days/times of mandatory meetings, how the contractor will be paid and how much they will be paid, and any training that will be provided. Transparency (especially when it comes to pay) will ensure you are not wasting any time putting people through the selection process that are expecting more money or who cannot do the work. Now, let’s focus on what you should NOT post. Stick to the role and the requirements that are clearly tied to success. There is a great deal of research that shows educational credentials and certifications are NOT tied to actual job performance. Licenses may be required (and you must achieve certain levels of education to apply for most licenses), but certifications only certify that someone passed a test or checked a few boxes on the certification site. Actual work experience also trumps formal education. The knowledge, skills, abilities, and experiences that are clearly tied to job performance are almost NEVER gained during studies at the university… (Think back to your own formal education and how often you use something learned in school during your current job.) What knowledge is “price of admission” and what knowledge will the contractor gain through you training them? What skills are “price of admission” (and typically gained through which types of experiences)? What innate abilities are directly tied to the ability to be successful in the role you are trying to fill or the work that you need someone to do? Be transparent about the competencies that tie to success - and why the ones you list are super important.
Your listing is an advertisement. You are marketing your company, your needs, and yourself. Write an engaging story that gives context to who you are and what you are trying to accomplish (and why). Be transparent about the work, expectations, requirements, schedule, and pay. (If you don’t put pay up front, you may find that you are wasting your time and their time because you are investing time in someone who will not accept that level of pay.) Also, let a bit of your personality shine through in your writing. Maybe mention what it is like to work with you according to other people. And, you can always pay some additional money to have a listing featured…
We utilize current best practices to protect the information held on the back end of our site (the databases that contain everyone’s information). However, you should assume that there are very clever hackers that will eventually find a way to steal your information from our site. We do not guarantee that your information will not be stolen from our site. We cannot make such guarantees. It would be foolish and naive to make such claims. I strongly urge you to NOT put your phone number in the listing! It is easier to block spam emails than phone calls.
After you purchase a listing package (https://filipinocontractors.com/pricing), create a listing for an open contract gig. Once you have a position listed, you can search through the contractors that are actively searching for an opportunity on this site.
There is a long list of potential reasons for not finding a great contractor. One obvious reason is that no one is currently on our site looking for a contract gig that matches your listing. The less obvious reasons include, but are not limited to: not knowing the competencies that predict success with the required tasks, a poorly-written listing, being difficult or unreliable in the eyes of the contractors that you are meeting with, having unrealistic expectations, and not having an effective process or tools during selection. We do not guarantee that you will find the perfect match because so many things are outside of our control. We provide a lot of educational materials in the blog on this site, but we don’t do the work for you. It is not easy to execute every step correctly or effectively. However, you must do your best - and possibly take a chance on someone that (with a little training and guidance) will become a rock star contractor for you.
It is all about the timing. We need a Filipino Contractor with the knowledge, skills, abilities, and experience required to fulfill your needs to be looking for a new contract gig at the same time that you posted your opportunity on FilipinoContractors.com. The Filipino will also be looking at your listing and making a determination whether your opportunity looks like a good fit for their needs and wants.
First, do NOT send your personal information to anyone that you have not vetted and contracted with. Also, do NOT pay anyone for work until after it is complete (and you have evidence that the required progress has been made to warrant payment for the task). Finally, do NOT send anyone money to help them out. Life is full of unfortunate events and bad things happen to good people. The kinds of scams I have personally experienced with Filipinos include: “my dad had a fall and needs surgery, so I need a quick advance,” “my wife’s cellphone was stolen and I need USD$150.00 to buy her a new one,” and “I finished 40 hours of work this week, but I am having a hard time uploading the files I created, but pay me now anyway.” (Those were all lies.) The other ‘scam’ is that the person who I interviewed and have been talking to is not doing the actual work (and may not be in the Philippines). Folks from the subcontinent and surrounding countries often have a local team doing the work and they take credit for it. I don’t allow that because I don’t know the laws in their country (or in how the US treats their country) related to hiring a staffing agency or whatever type of company they are. Be mindful and very by-the-book until you have a solid working relationship!
How you choose to use your purchased listings is up to you, but the contractors will probably notice that you have multiple similar listings and think you are up to something. One very thoughtful and transparent listing should suffice to attract the right and best contractors. If you post a listing and find that no contractors have all of the experiences you need, you might need to break the gig into a few different roles and hire several contractors that have the competencies required to excel in the tasks that you assign them. Maybe that one, very robust, contract gig is actually two or three part-time gigs.
You have two channels to pursue. You can search the database of contractors that are actively looking for a gig on this site. You can also sit back and wait to see which contractors find your listing and think it is compelling enough to raise their hands. We suggest you do both. And, be flexible about some of your “price of admission” competencies. We have a lot of diamonds in the rough that will shine if given the right guidance and direction. And… if you have not done so, map out a process that you will follow to vet every contractor and the tools required to assess their competence. Having a consistent approach and scoring methodology almost always uncovers a great candidate that might have been nervous at first. First impressions are important, but often ruin a promising match when it results in someone being overlooked.
A lot of job boards allow companies to parse profiles based on the exact words in a job posting. That requires contractors to create a new resume for every single position they want, so that they include all of the relevant keywords and get a higher “score” or match rating. However, we don’t include that parsing garbage on our site. (There are so, so, so many problems such as candidates must misspell words that are misspelled in the job description, there are several different ways to say the same thing, and the most qualified candidates are usually overlooked.) We understand that hiring managers want a quick and easy score that tells them who to hire without spending a lot of time or energy on a robust selection process. But, they don’t work. In fact, using canned assessments and tests also lead to really bad hiring decisions. When I managed HR and someone brought me a test that was guaranteed to make sure we hired only the best candidates for a certain position, I always required a validity study using our actual employees. If the test was able to accurately identify the top and bottom performers we already had, then I would consider using it. I knew the performance ratings of the pool of employees that the vendor sent the test to, but I would not tell the vendor who was top or bottom. Every single test was not valid! They predicted that bottom performers would be top performers and vice-versa. They did not know our company, our culture, our policies and procedures… They have a generic test based on bogus reliability and validity studies that they completed to help them sell the test. Also, please avoid tests that either discriminate against certain groups (e.g. IQ tests) or were not designed to be used during selection (e.g. DISC, MBTI). Take the time to map out the job, identify the most critical tasks, the competencies required to effectively execute those tasks, and how to assess candidates against those competencies. Then be consistent in the steps you take with each contractor so that you are comparing apples to apples. The two most valid selection tools are behavioral interview questions (past performance is a strong indicator of future performance) and work samples (test drive the job to see if you will like it and so I can see how you will do it). So, no, we don’t provide any quick-fix shortcuts because they always fail and making a bad selection is very expensive and hard to unwind.
Most jobs in the US are filled in an average of 50-54 days. That is from the date that the job is posted until the date that someone starts. With contractors our experience has been about the same, if not shorter. Someone who has a lot of time to invest in the selection process will clearly make a decision much sooner than someone who only has an hour per day in the middle of the day (like lunch time). We recommend posting a job for up to 60 days before scrapping the posting and making a different one.
We allow companies and hiring managers to initiate contact with contractors, not the other way around. If you include your contact information in the posting, Filipinos will reach out. However, it can be overwhelming to get pinged by hundreds of people who are desperate for work - especially when a large number of those individuals are not qualified. We want to be easy to do business with. We want to eliminate as much friction as possible. Also, do not include your phone number in any job listing! It is far easier to block spam email than spam calls.
First, you should have a process mapped out with tasks/assessments that will help you differentiate the candidates. Then, treat the process as a sales funnel. Make a list of the contractors that you review, but once you decide to include them in the process, make a folder for each candidate. Store their resume and any documents or deliverables that they create or you fill out as you go through the process. Also, have a scoring sheet in each folder and write down the “score” based on the results of each touchpoint and assessment. It is really hard to keep an accurate tally of who did what and how they performed in your head. A lot of mistakes are made when someone confuses one contractor for another! Also, remember to always enter your notes and scores immediately after every contact! The longer you wait, the more likely you are to have fake memories about how someone performed or what information they shared. (This is the process that many of us wish we would have used when dating, as well.)
Once you have determined which contractor you want to hire, have them complete a W-8 BEN before you do anything else! (https://www.irs.gov/forms-pubs/about-form-w-8-ben) They must provide you with a completed Certificate of Foreign Status of Beneficial Owner before you make the offer and discuss final details - especially before you present them with the contract. The W-8 BEN is where the contractor confirms that she/he is a resident of the Philippines and that they will be doing their own local tax withholding and such. This makes you, the company hiring the contractor, exempt from withholding. You simply pay the agreed-upon rate/amount when it is due. After you receive a W-8 BEN and confirm is it complete, tell the contractor that you would like to offer them a contract to do the work advertised in the listing. Discuss and document all of the details on this call. Make sure the contract accurately reflects the scope of work, how performance will be measured, the details around how much gets paid/how it gets paid/when it gets paid, expected start and end dates, days/times of mandatory in-person online meetings, and protective covenants (e.g. NDA). Send the document to the contractor and have them sign it and return it. Sign it and send them back a fully-executed version of the contract. Then get to work! After all of these steps are done, you may notify the other candidates that they were not selected.
I typically ask the other top candidates if they would be willing to be a contractor for me in the future - just in case this one does not work out. But, don’t make any promises that you do not intend to keep! I usually speak directly with the top finalists, but send an email to the other candidates. There are a lot of models about what to include in a rejection letter, but make sure it is polite, appreciative, and honest. Don’t burn any bridges, but also avoid giving any feedback that could be interpreted as discriminatory. Candidates always want to know what “went wrong” or how they could be more effective the next time they interview for a contract gig. I don’t mind highlighting things they can improve, but I am very, very careful to avoid sounding sexist, racist, etc. People are hurt when they are not chosen and hurt people tend to lash out. Don’t make yourself a target. One final thought, we suggest sending rejection letters as soon as you have decided someone is out of the running. Don’t be the company that kept someone hanging or ghosted them. If the Filipino is very interested in your opportunity, they might not accept another gig while waiting to hear from you.
We have that functionality, but it has several problems. First, people that are NOT selected for a contract gig may provide a negative rating or review. (Very few people are mature enough to accept that someone else applied that was a better fit or more qualified. Thus, it must be someone else’s fault - the company’s.) Second, competitors use our site and they might write a bad review to try to game the search engines against the company that they don’t work for. Yelp and Google Maps are both rife with fake reviews left by competitors instead of actual customers or employees. On GlassDoor you can easily spot multiple accounts created by the same person to write several negative reviews. (Those folks tend to be people that were fired for doing things they should have not done, and as noted above, it is not their fault!) We reserve the right to test, implement, or remove this functionality. We don’t want to facilitate bogus feedback.
No. We do not provide financial or legal advice! We have done a lot of research. Our founder has employed contractors from the Philippines since 2020. We share tips, tricks, and techniques based on what we find - and links to the information when it is clearly documented. But, our information can be quickly and easily outdated by a change in rules, regulations, and laws. There are also judges and juries that interpret the laws in unique and interesting ways. It is a terrible field full of landmines if someone offers legal or financial advice. We cannot attest to anything being absolutely true. We cannot promise anything is absolutely legal. You need to do your own research. Or, better yet, hire an attorney, accountant, etc. and get their guidance and advice.