All Articles

The latest and the best financial news, tips and tricks.

Buying a Truck? Check Out the Best Pickup Cars in the Philippines

Bold, powerful, tough – these are the best words that describe pickup cars. While they look like they’re packed with so much angas, these cars are actually designed to be utilitarian and flexible. With its roomy interiors, a pickup truck can double as a family car. And if you’re a weekend warrior who loves going to the countryside, you can always count on this vehicle as it’s designed with off-road capabilities. You can easily carry your surfboards, bikes, or whatever sporting equipment you’ll need in your adventure. Moreover, you can turn your pickup into a member of your business’ logistics fleet as its cargo bed can carry and accommodate the goods that you’re selling. Whatever your purpose is, you won’t go wrong with a versatile pickup truck. If you’re looking for a truck that effortlessly melds into your lifestyle, check out the eight best pickup cars in the Philippines this 2021. Table of ContentsBest Pickup Cars in the PhilippinesMitsubishi StradaToyota HiluxIsuzu D-MaxNissan NavaraFord RangerChevrolet ColoradoMazda BT-50Ford Ranger RaptorFinal Thoughts Best Pickup Cars in the Philippines Rugged, sexy, and powerful pickup cars can effortlessly combine aesthetic and performance. Check out this list of the best pickup cars in Philippines if you’re looking to buy your first car or planning for an upgrade. Mitsubishi Strada Price: PHP 815,000 to PHP 1,764,000 Key Specs of Mitsubishi Strada: Seating capacity: Five Transmission type: Manual or automatic Engine: 4-cylinder, 16-valve, 2,396 cc (2.4L) Performance: 165 horsepower and 430 Nm of torque Fuel type: Diesel The strong and striking façade of this pickup car easily embodies…

Read the Article

How to Use PESONet Transfer Service: Guide for Consumers and Businesses

Apart from paying bills and purchasing items online, you can now use your smartphone to transfer money in bulk. That’s right. Imagine, you can even send your employees’ salaries online. How? By using the Philippine EFT System and Operations Network or PESONet. Launched in 2017, PESONet Philippines allows users to transfer money to another bank or non-bank institution that also uses the facility. Keep on reading to more about how to use the PESONet transfer service. Table of ContentsWhat is PESONet?PESONet vs InstaPay: What are the Differences?How Does PESONet Work?Benefits of Using PESONetList of PESONet Banks and Financial Institutions in the PhilippinesCommercial and Universal BanksThrift BanksRural BanksElectronic Money IssuersWhat is the Limit for PESONet Transfer Transactions?PESONet Clearing TimePESONet Transfer FeesHow to Use PESONet PhilippinesHow to Transfer Money via PESONetHow to Receive Money via PESONetPESONet Philippines FAQs1. Is the PESONet transfer service secure?2. Do I need to enroll the receiver’s account?3. How will I know if my PESONet transfer is successful?4. How long does a PESONet transfer take?5. What happens if I received a transfer error?6. What if I entered the wrong account number?7. Can I use PESONet to transfer money overseas?8. Can I use PESONet to pay bills?9. What is the PESONet customer service contact number I can call?Final Thoughts What is PESONet? PESONet[1] is a batch electronic fund transfer (EFT) credit payment scheme, which serves as an alternative to a paper-based check system. PESONet fund transfers are processed in bulk and cleared in batch intervals. There is no transfer limit with this fund transfer service. However, transferring money isn’t…

Read the Article

SSS Unemployment Benefit: How to Avail of This Cash Benefit for SSS Members

Getting laid off from work is undoubtedly one of the most traumatic things to experience in one’s career. Aside from the pain of rejection, a terminated employee has to deal with the challenges that come with the sudden loss of income. There are bills to pay, mouths to feed, and other financial responsibilities that won’t go away. Such a grim picture is painted by reality. Since the start of the pandemic, the unemployment rate has risen due to lockdowns and heightened restrictions. Just recorded last September, the latest unemployment rate climbed to 8% from 6.9% the month prior. The said figure is equivalent to 3.88 million individuals.[1] Government employees enjoy unemployment benefits from the GSIS, which protect them from the financial impact of involuntary separation from the service. Private employees now have a reprieve as well through unemployment insurance mandated by the newly enacted Republic Act 11199 or Social Security Act of 2018.[2] As a result, qualified SSS members are entitled to unemployment benefits that can help ease their financial burden while looking for a new job. So, even if you think your chances of getting terminated from work are slim, it’s still important to know what the unemployment insurance provision means. Table of ContentsWhat is the SSS Unemployment Benefits Program?How Much SSS Unemployment Benefit Will I Receive?Who Can Apply for SSS Unemployment Benefits?Who Can’t Apply for SSS Unemployment Benefits?What are the SSS Unemployment Benefit Requirements?How Do I Apply for SSS Unemployment Benefits?How to Check the Status of My SSS Unemployment Benefit Application?SSS Unemployment Benefit FAQs1. Is the SSS Unemployment…

Read the Article

Robinsons Credit Card Application in 5 Quick Steps

Robinsons Bank may not be as widely known or as spread out as the larger commercial banks in the country. But it’s definitely a strong bank that offers a suite of reliable financial services and products, such as credit cards. There are only three Robinsons Bank credit cards. But what it lacks in quantity, it makes up for quality. This is attested by the bank’s various recognitions, such as the Most Innovative Banking Credit Card Program (World Economic Magazine Awards 2021) and Best Banking Credit Card Program (International Business Magazine Awards 2021).[1] So, if you’re looking for a good credit card, include this bank in your list. This article lists down all you need to know when it comes to Robinsons credit card application. Table of ContentsRobinsons Credit Card Application Steps1. Check the Eligibility Requirements2. Pick the Right Robinsons Credit Card for You3. Collate All the Robinsons Card Requirements4. File Your Robinsons Credit Card Application5. Activate Your Robinsons Credit CardRobinsons Credit Card FAQs1. Can foreigners apply for a Robinsons credit card?2. Where can I pay my Robinsons credit card bills?3. Does the Robinsons Cashback credit card have a cap on rebates?4. Where can I use my Robinsons Cashback credit card?5. How can I enroll in RBank Digital using my credit card?Final Thoughts Robinsons Credit Card Application Steps The Robinsons credit card application is not that complicated. All you need to do is to follow the five steps below: 1. Check the Eligibility Requirements First and foremost, determine if you’re actually eligible to apply for a Robinsons credit card. Here are…

Read the Article

Marriage Contract in the Philippines: How to Get One After Saying “I Do”

Marriage isn’t something people do on a whim. Just as you don’t marry someone you met only yesterday, you don’t get hitched without being legally ready. Getting married won’t be an easy ride, what with the many requirements soon-to-weds have to take care of. There’s your CENOMAR, marriage license, and after the wedding, the marriage contract in the Philippines. But that doesn’t mean you shouldn’t get married. Of course, you want your union to become legal and official. The point is, before you tie the knot, you have to be ready for all the paperwork it entails. Your dream wedding won’t become a reality if you lack even just one requirement. Here’s everything Filipino or foreign couples need to know before getting married, whether in civil or church rites, in the Philippines. Table of ContentsWho Can Get Married in the Philippines?How to Get Married in the Philippines in 8 StepsStep 1: Get Your PSA Birth CertificatesStep 2: Request a CENOMARStep 3: Get a CedulaStep 4: Apply for a Marriage LicenseStep 5: Book an OfficiantStep 6: Invite Your WitnessesStep 7: Get MarriedStep 8: Get Your Marriage CertificateFAQs on Getting Married in the Philippines1. What is the difference between a marriage license vs marriage certificate?2. Can we get married in a different place from where we got our marriage license?3. Can two foreigners get married in the Philippines?4. How can a foreigner get married in the Philippines?5. Can you get married without a marriage license in the Philippines?6. How many copies of CENOMAR are needed for securing a marriage license?7. Can I…

Read the Article

Where Can I Invest My P1,000? 8 Investments to Consider (Plus Pros and Cons)

“Where can I invest my 1,000 pesos?” If you don’t have a lot of cash right now but want to start investing, can you still invest a small amount like PHP 1,000 and make it grow? The answer is a big YES. There are investments for beginners and many other possible investments for different risk appetites. It’s really up to money-savvy Filipinos like you to find these investments and take advantage of them. Table of ContentsWhere Can I Invest My 1,000 Pesos? 8 Cheapest Investments in the PhilippinesMutual FundsUnit Investment Trust Fund (UITF)StocksTime DepositPag-IBIG MP2 Savings ProgramSSS PESO FundGInvest InvestaFinal Thoughts Where Can I Invest My 1,000 Pesos? 8 Cheapest Investments in the Philippines If you have PHP 1,000 in your wallet or savings account right now, don’t spend it just yet. Check out these cheap investments in the Philippines first! Mutual Funds Minimum additional investment: PHP 1,000 A mutual fund pools your money with multiple investors into a bigger fund, which will then be invested in bonds, stocks, or money market funds. The funds are managed by a specialized mutual fund company where your shares are managed by a fund manager. The Securities and Exchange Commission (SEC) regulates mutual funds companies in the Philippines. Ideal for: Low to high-risk investors with long-term financial goals Mutual Fund Investing Advantages Mutual funds are among the best investments in the Philippines, especially if you’re a beginner and have no time and expertise to monitor your fund’s performance. The bigger your investment and the longer you invest, the higher profit you’ll get. A…

Read the Article

Buying a Vehicle? Here are Your Car Financing Options

For many millennials, buying a car is something to cross off their bucket list. Having that first set of wheels means you’re on the right track to becoming a full-fledged adult. But you need money—lots of it—for your biggest investment ever. As a young professional, you aren’t making enough money to drive your dream car out of the showroom and into your garage. The cheapest sedan in the market today costs over half a million pesos. Even if you have that amount in the bank, you won’t dare spend it all on a whim. Because yes, you’re a responsible adult who’s got bills to pay and maybe even mouths to feed. Good thing, there are different car financing schemes in the Philippines that allow buyers to get their dream car without having to fully pay for it in cash. Table of Contents4 Car Financing Options in the PhilippinesBank FinancingDealership FinancingCredit CardHome Equity LoanHow to Get Car Financing in the PhilippinesStep 1: Check if You’re Qualified for an Auto LoanStep 2: Compute How Much You Can BorrowStep 3: Compare LoansStep 4: Complete the Car Loan RequirementsStep 5: Submit Your Loan ApplicationStep 6: Wait for the Loan Approval and ReleaseFAQs on Car Financing in the Philippines1. Is getting a loan to finance an auto a good idea?2. Who becomes the owner of the car financed through a loan?3. What are the types of auto loans in the Philippines?4. What is chattel fee?5. Can I finance a second-hand car through a loan?6. My loan application was rejected. What should I do?Final ThoughtsGet a…

Read the Article

Moneymax Reviews: Save on Essentials with a Citi Cash Back Card

The last benefit you’ll ever think credit cards have is saving you money, right? Wrong. In fact, there are credit cards out there that can save you money on every swipe. How? By awarding you with cash rebates on specific spend categories. We call them cashback credit cards. Fortunately, they aren’t that hard to find. In fact, most banks offer generous cashback credit cards to shoppers looking to maximize their purchases. One of the popular cards you’ll see out there is the Citi Cash Back Card. Curious about the Citi Cash Back Card? Then you came to the right place. In this Moneymax Reviews edition, we bring you Citibank’s own rebate generator. Find out more in this Citi Cash Back Card review. Table of ContentsCiti Cash Back Card FeaturesCiti Cash Back Card BenefitsHow Much Rebate Will I Receive Monthly?What Perks Can I Enjoy with My Citi Cash Back Card?Citi Cash Back Card AlternativesBPI Amore VisaMaybank Platinum VisaHSBC Gold Cash BackSecurity Bank Complete Cashback MastercardCITI CREDIT CARDSFEATURES and BENEFITSFinal Thoughts Citi Cash Back Card Features Just like in every boxing match, let’s look at Citi Cash Back Card’s tale of the tape. Judging by its features, it seems the Citi Cash Back Card costs more to use and maintain. But is it worth it? Annual fee: PHP 4,500 for principal cardholders (free for the first year) PHP 2,250 for supplementary cardholders (free for the first year) Interest rate: 2% Minimum monthly income requirement: PHP 15,000 (for existing credit cardholders) PHP 20,833.33 (for new cardholders) Cash advance fee: PHP 200 per transaction…

Read the Article

Scan to Pay: How to Use a QR Code for Digital Payments in the Philippines

Electronic or digital transactions have become a part of the new normal. The pandemic has led to the increase in digital transactions, with businesses offering goods and services online and consumers paying for them through bank transfers, mobile wallets, and scanning a QR code in the Philippines.  Thus, buying and selling transactions are slowly moving away from cash payments and gradually being replaced by QR code payment (also called scan to pay), which is considered faster, easier, and a lot more accurate. In fact, the value of QR code transactions in the Philippines has reached almost PHP 1 billion as of May 2021.[1]  Whether you’re already doing QR code transactions or not, it’s worth knowing more about QR code in the Philippines and how it works.  Table of ContentsWhat is a QR Code in the Philippines?What is QR Ph?What is QR Ph P2P?What is QR Ph P2M?How Does QR Ph P2M Work?What Do You Need to Make a QR Ph P2M Payment?Which Businesses Can Use QR Ph P2M?Pros and Cons of QR Ph for Consumers and MerchantsQR Ph ProsQR Ph ConsGuide to Using QR Ph for Digital Payments in the PhilippinesHow to Receive Payment Using QR Ph P2PHow to Send Payment Using QR Ph P2PHow to Send Payment Using QR Ph P2MFinal Thoughts What is a QR Code in the Philippines? The meaning of QR is Quick Response. A Quick Response or QR code is a printed barcode composed of square-shaped grids[2] scanned through a smartphone or any computer system. Initially, QR codes were developed by a subsidiary of Toyota…

Read the Article

Repossessed Car? What You Can Do When the Bank Seized Your Ride

Uh-oh. Did the bank take your car away? What now, you ask? Losing your car is painful and stressful as it is. The hard-earned money you’ve paid for the monthly installments is gone in an instant. Having no car suddenly can also jeopardize your work or business. It doesn’t help that the messy, inefficient public transportation system in the Philippines doesn’t offer an alternative to car-less Pinoys. What happens next could be very nerve-wracking, but it’s the ugly consequence of failing to repay your car loan on time. Here’s what you need to know about car repossession in the Philippines and the steps you can take after going through the experience of having a repossessed car. Table of ContentsWhat is Car Repossession?How Many Months Does It Take Before a Car Repossession Happens?Car Repossession Process in the PhilippinesHaving Repossessed Car Issues? Here’s What You Can Do1. Find Out Why the Car Got Repossessed2. Get Your Belongings Back3. Decide If You Can Afford to Recover Your Car4. Negotiate Your Loan with the Bank5. Decide If You’ll Keep or Cancel Your Car Insurance Policy6. Let It Go7. Improve Your Credit Score4 Tips to Avoid Car Repossession1. Consistently Make Your Car Loan Payments2. Talk to the Bank3. Consider Refinancing4. Sell Your CarFinal Thoughts What is Car Repossession? In the Philippines, car repossession happens when your bank takes your vehicle because of failure to pay your car loan. Lenders can seize your vehicle as soon as you fail to make your loan payments as agreed in the contract. Should you default on your loan, your…

Read the Article

Goodbye, Yearly Charges: 17 Credit Cards with No Annual Fee in the Philippines

There are many advantages to owning a credit card: ease of purchase, having an emergency line of credit, and enjoying exclusive rewards and perks, among many others. Many people, however, are discouraged to get a credit card because of the fees that come with it. It’s true that credit card fees are disheartening. But convenience comes with a price. If you need a plastic card, you can avoid additional charges by getting one of these credit cards without an annual fee in the Philippines. Table of ContentsWhat Does a No Annual Fee Credit Card Mean?Limited Annual Fee WaiverNo Annual Fee for LifeWhy Choose a No Annual Fee Credit Card?How to Choose a Credit Card With No Annual FeeTop Credit Cards with No Annual Fee in the PhilippinesCREDIT CARDS WITH FREE ANNUAL FEEFEATURES AND BENEFITSCredit Cards with No Annual Fee for LifeAUB Classic MastercardAUB Easy MastercardCiti Simplicity+ CardEastWest Platinum MastercardMetrobank M Free MastercardPSBank Credit MastercardPNB – The Travel Club Platinum MastercardPNB Ze-Lo MastercardRobinsons Bank DOS MastercardCredit Cards with No Annual Fee Promo (Limited Time Only)Citi Rewards CardPNB-PAL Mabuhay Miles NOW MastercardRCBC Flex Gold VisaRCBC Flex VisaHSBC Red MastercardHSBC Gold Visa Cash BackSecurity Bank Classic Rewards MastercardSecurity Bank Gold Rewards MastercardFinal Thoughts What Does a No Annual Fee Credit Card Mean? A credit card annual fee is a convenience fee that providers charge to their clients. Basically, it’s the amount you pay for using your bank’s credit card services. So, when you see a bank offering no annual fee credit cards, that simply means that its yearly card membership fees are waived….

Read the Article

Your Complete Guide to PNB Credit Card Application

When it comes to banking, no one can question the reputation of the Philippine National Bank or PNB. After all, it’s the country’s first universal bank.[1] Its trustworthiness and credibility are substantiated by its 105 years of existence. A bank wouldn’t last this long in the business if it didn’t have high-quality and reliable services. PNB is not just known for its commercial and personal banking capabilities. It also offers a robust range of credit cards that consumers and corporate clients can use for their spending activities. The cards also have a slew of distinct features. One is Transaction Conversion, which converts straight payments into low-interest installments. Another is the Zero % Affordable Payment Plan (ZAPP), which provides cardholders with 0% installment plans of up to 24 months if they shop at PNB-accredited merchants. If you’re shopping for a new card, it’s time to consider what PNB has to offer. Here’s your complete guide to PNB credit card application. Table of ContentsPNB Credit Card Application Steps1. Check if You’re Qualified2. Choose the PNB Credit Card to Apply For3. Complete All the PNB Credit Card Requirements4. File Your PNB Credit Card Application5. Check Your PNB Credit Card Application Status6. Activate Your PNB Credit CardPNB Credit Card FAQs1. How can I pay my credit card bills?2. How many PNB supplementary credit cards can I apply for?3. What are my card’s other fees and charges?4. I want to update my credit card information. What should I do?Final Thoughts PNB Credit Card Application Steps Ready to be a PNB credit cardholder? Here are the…

Read the Article

How to Get an SSS ID in the New Normal: Read This Before Applying for a UMID Card

Gone are the days when you needed to provide multiple IDs to complete government transactions. Enter the UMID Card, perhaps one of the greatest innovations that the government has ever implemented. It rolls all the details of your multiple government IDs―from SSS to PhilHealth―into one card, thus making it function like a master key. With the practicality that it offers, the UMID card has been well-received in the country. A lot of Filipinos flock to SSS and GSIS branches to apply for one. And even if the application services have been paused for a long time due to quarantine restrictions, many are still looking forward to initiating their application. Thankfully, the UMID application service resumed last September 27, 2021.[1] If you happen to be an SSS member who wants to apply for a UMID card, you’ve come to the right place. Here’s how to get an SSS ID. Table of ContentsWhat is UMID?Who May Apply for a UMID Card?What are the Requirements for a UMID Card?Where Can I Apply for a UMID Card?How to Get an SSS ID in the PhilippinesStep 1: Schedule Your AppointmentStep 2: Go to the SSS Branch to Submit Your RequirementsStep 3: Proceed to Biometrics Capture BoothStep 4: Wait for Your UMID Card Pick-Up Schedule UMID Card Application FAQs1. How will I know the status of my application?2. If I don’t have any primary documents, what should I submit?3. How much is the UMID application fee?4. Does the UMID card have an expiration date?5. Someone offered to make my UMID. Is this legit?6. I need to replace…

Read the Article

How to Compute 13th Month Pay (Plus FAQs)

Aside from Jose Mari Chan’s inescapable soothing voice, there’s another artist we Filipinos usually associate with the holiday season: the exhilarating vocal prowess of Aegis. Specifically, when they emphatically ask all employers in the Philippines to give everyone their Christmas bonus and 13th month pay. Indeed, you should expect a lot of cash flow going straight to your bank account, courtesy of your 13th month. Have you received yours yet? It’s time to learn more about this year-end benefit, especially how to compute 13th month pay, and all other related concerns. See them below. Table of ContentsWhat is 13th Month Pay in the Philippines?How to Compute 13th Month PayBasic 13th Month Pay Formula in the PhilippinesHow to Compute Prorated 13th Month Pay13th Month Pay FAQs1. Is 13th month pay taxable?2. When will I receive my 13th month pay?3. Why should I receive a 13th month pay?4. What’s the difference between a 13th month pay and a bonus?5. Are maternity leaves included in the 13th month pay computation?6. Are managers entitled to a 13th month pay?7. Are government employees entitled to 13th month pay?8. If I resigned/was terminated from my company, am I still entitled?9. When is the 13th month pay given to resigned/terminated employees?10. I’ve never received my 13th month pay. How do I report it?Final Thoughts What is 13th Month Pay in the Philippines? 13th month pay is an additional compensation given to employees in the Philippines, typically at the end of a year. It’s a mandatory benefit provided to employees under Presidential Decree No. 851.[1] All rank-and-file employees who have…

Read the Article

AUB Credit Card Application in 6 Easy Steps

AUB credit cards might have caught your interest because of their waived annual fees. While that’s a big deal when choosing a credit card, there’s more to AUB cards than their no annual fee for life feature. For instance, did you know that AUB credit cards are among those with the fastest rewards earn rate in the Philippines? Every PHP 20 spent using an AUB Mastercard earns you 1 rewards point. Other credit cards require a higher minimum spend to earn rewards. AUB also offers flexibility for paying credit card bills. Choose your own payment due date, frequency, and fixed minimum balance. If you select the right payment terms, this feature can help you manage your finances well and avoid making late payments. With all such features, having a credit card from AUB is absolutely worth it. Interested in getting one already? No worries because here’s an easy step-by-step AUB credit card application guide to help you. Table of ContentsAUB Credit Card Application Steps1. Pick the Right AUB Credit Card for You2. Compare the Different AUB Credit Cards3. Prepare the AUB Credit Card Requirements4. Submit Your AUB Credit Card Application5. Check Your AUB Credit Card Status6. Activate Your Credit CardFinal Thoughts AUB Credit Card Application Steps If you want to know how to apply for a credit card in AUB, here are the simple steps you need to follow. 1. Pick the Right AUB Credit Card for You AUB credit cards come in four types: Easy, Classic, Gold, and Platinum. Each card caters to a specific income bracket, budget, and…

Read the Article

Top Car Insurance in the Philippines: How and Where Can You Get It?

Your duties as a responsible car owner don’t end with religiously following traffic rules or being a patient driver. You also have to set up a few measures that will protect you and your passengers from the uncertainties of the road. In this case, you need to get the right car insurance policy. Buying car insurance, however, isn’t as easy as you think. You can’t just purchase the first offer that comes your way. The whole thing takes some research and skill. Ending up with the right provider will not only offer you the ideal protection but also help you reduce insurance costs. If you’re a first-time car owner looking to insure your car or someone planning to switch to a new provider, this guide is for you. Here are some of the things to remember so you’ll be able to find the top car insurance in the Philippines. Table of Contents5 Factors to Consider When Choosing the Right Car Insurance Company1. Legitimacy2. Scope of Service3. Rates4. Customer Service5. Ease of ApplicationTop 10 Car Insurance Companies in the Philippines1. New India Assurance2. Stronghold Insurance3. Mercantile Insurance Corporation4. Malayan Insurance5. Prudential Guarantee6. MAPFRE Insular7. SGI Car Insurance Philippines8. AXA Car Insurance9. Standard Insurance10. FPG InsuranceFinal Thoughts 5 Factors to Consider When Choosing the Right Car Insurance Company You need to have a set of standards when choosing the right car insurance company. If you don’t know where to start, you can use the following as your criteria: 1. Legitimacy While the insurance business is a regulated industry, there are still some…

Read the Article

7 Best Banks in the Philippines for Opening a Savings Account

Ever since your parents read you the story of the ant and the grasshopper, the importance of preparing for the rainy days had been instilled into your young and impressionable mind. And as you grew up, the value of that fable could easily be seen in how you saved up your baon so you could buy toys, comics, or whatever that would make you happy. Now that you’re a young professional, you’ve come to realize how important it is to save. Sooner or later, you’ll find yourself planning your first trip abroad, your wedding, and even your retirement. All these goals require a large reserve of cash, which will only exist if you’ve had a good head start.  Kickstart your savings journey with the right bank―one that understands your needs and suits your lifestyle. If you don’t have an idea about choosing the best bank in the Philippines, this guide’s got you covered! In case you’re an expat who has stumbled upon this article, stick around as you’ll also benefit from this list.  Table of Contents6 Factors to Consider When Choosing the Best Bank in the Philippines1. Types of BankUniversal and Commercial BanksThrift BanksRural and Cooperative BanksDigital Banks2. Financial Products and Services Offered3. Bank Fees4. Accessibility of Branches and ATMs5. Bank Security6. Customer ServiceTop 7 Best Banks in the Philippines in 20211. Bank of the Philippine Islands (BPI)2. Metrobank3. Security Bank4. UnionBank5. CIMB Bank Philippines6. ING Philippines7. Tonik Digital BankFinal Thoughts 6 Factors to Consider When Choosing the Best Bank in the Philippines The following factors will help you determine…

Read the Article

Here’s Why and How to Do a Complete BLOWBAGETS Check

Heading out on an out-of-town vacation or a quick grocery trip? Wherever you’ll drive, make it a habit to inspect your car before taking it out of the garage. It’s impossible to check every nook and cranny of your four-wheeled machine when you’re rushing to your destination. But minding your BLOWBAGETS before driving off will keep you and your passengers safe on the road. Don’t be a kamote driver by always checking your BLOWBAGETS. What does it really mean? Let’s break it down for you with this vehicle checklist before driving. Table of ContentsWhat is the Meaning of BLOWBAGETS?BLOWBAGETS Checklist: 10 Things to Check Before Driving✅ Battery✅ Lights✅ Oil✅ Water✅ Brake✅ Air✅ Gas✅ Engine✅ Tire✅ SelfFinal Thoughts What is the Meaning of BLOWBAGETS? BLOWBAGETS stands for battery, lights, oil, water, brake, air, gas, engine, tire, and self. It’s a serious reminder about checking your car before driving to prevent an accident or breakdown. We have the PNP-Highway Patrol Group to thank for this handy mnemonic. BLOWBAGETS Checklist: 10 Things to Check Before Driving Let’s go through the important items in this list that every motorist must know before starting the car and going out on the road. BLOWBAGETS in driving can keep you safe, avoid road inconveniences, and most importantly, save your life. ✅ Battery Your car won’t start with a dead battery, of course. Or it will until it runs out of battery in the middle of nowhere, leaving you stranded or struck on the side of the road. This is a situation you don’t want to be in,…

Read the Article

Free Online Courses in the Philippines You Can Take Up Today

Free online courses in the Philippines are easily accessible for you to learn and improve your skills anytime. Aside from being able to enroll and study within the comforts of your home, there are also a variety of courses to choose from. Whether it’s for finding a job, advancing your career, starting a business, or simply learning something new, you can find many courses that suit your needs and interests.  Taking free online classes in the Philippines also allows you to explore your interests and help you decide which career or business path you want to take in the future. Choose from any of these options!  Table of ContentsTESDA Online Courses for Developing Various Skills1. Managing Your Personal Finances2. STAR Online Training Program3. SMART Technopreneurship 1014. Web Development Using HTML5 and CSS35. Bread and Pastry Production NC II6. Cookery NC II7. Massage Therapy NC II8. Job Interview Skills Training Course9. Workplace Communication10. Start and Improve Your Business11. Harnessing Social Media to Expand Your Business12. COVID-19 ManagementFree Online Courses in the Philippines on Entrepreneurship1. How to Build a Startup2. Funding Your Business3. Business Growth Strategy4. Business Intelligence Tools5. Entrepreneurship 1: Developing the OpportunityFree Online Courses on Digital Marketing1. Learn Digital Marketing2. How to Create a Website Using WordPress3. SEO Training Course by Moz4. Using Social Media for Business5. The Digital Economy: Selling Through Customer Insight6. Starting a Business 3: Customers and Competitors7. Ethical Marketing and Advertising (EMA)Free Online Courses on Personal and Career Development1. Work Smarter, Not Harder: Time Management for Personal & Professional Productivity2. Mindfulness for Well-Being and Peak Performance3. Introduction to Personal…

Read the Article

Start Adding to Cart: 31 Must-Visit Online Shopping Sites

One of the most convenient ways to fulfill a shopping list is through online shopping. As long as you have a trusty smartphone and internet access, you can cross out the items on your shopping list anytime without leaving your home. No need to tire yourself walking in malls and risking your health in this pandemic.  You can now buy everything you need from online shopping sites. So here’s a list of the best online shopping sites in the Philippines for a variety of items in the fashion, beauty, home, and electronic categories, just to name a few. Check them out! Table of ContentsTop Online Shopping Sites in the PhilippinesLazada – www lazada.com.phShopee – www.shopee.phOnline Shopping Sites for Groceries and EssentialsMercury Drug – www.mercurydrug.com/gamot-padala.htmlWatsons – www.watsons.com.phMetroMart – www.metromart.comThe Green Grocer Manila – www.thegreengrocermanila.comPet Warehouse – www.petwarehouse.phHealthy Options Online – shop.healthyoptions.com.phBabymama – www.babymama.phOnline Shopping Sites for Gadgets and AppliancesPoundit.com – www.poundit.com Datablitz – www.datablitz.com.phAnson’s – ansons.phHenry’s Cameras – www.henryscameraphoto.comKim Store – kimstore.comAbenson – www.abenson.comTop Online BookstoresFully Booked Online – www.fullybookedonline.comPapemelroti – shop.papemelroti.comNational Bookstore – www.nationalbookstore.comOnline Fashion, Beauty, and Lifestyle Shopping SitesZalora – www.zalora.com.phTeam Manila Lifestyle – www.dailygrindstore.comSunnies Studios – www.sunniesstudios.comBench – shop.bench.com.phRustan’s – rustans.com The Lifestyle Store – thelifestylestore.com.phShopSM – shopsm.com Human Nature – humanheartnature.comBeautyMNL – www.beautymnl.comMandaue Foam Philippines – www.mandauefoam.phFurniture Source Philippines – www.furnituresourcephils.comBlade.ph – www.blade.phWinery.ph – www.winery.phFinal Thoughts Top Online Shopping Sites in the Philippines Starting off this list are two of the biggest and most popular online shopping sites in the Philippines. If you haven’t tried shopping on Lazada or Shopee, you’re missing out on a lot. Here’s why. Lazada –…

Read the Article