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

J&T Express Guide to Shipping and Tracking Packages in the Philippines

The logistics market in the Philippines is seen to grow throughout and beyond the pandemic[1], thanks to the surge in e-commerce transactions during the lockdown. Joining the logistics industry and competing with the likes of LBC Express and JRS Express is a new player in the logistics business: J&T Express. The courier service has already gained much attention in traditional and social media even if it was only launched in the Philippines in 2019. J&T Express is also a familiar brand among online sellers and buyers. If you often buy from Shopee, you likely have received some of your packages through this up-and-coming shipping service. Whether you need a courier for sending items to your customers or loved ones, J&T Express has got your shipping needs covered. Here’s a guide on how to use J&T Express for package delivery in the Philippines. Table of ContentsWhat is J&T Express?How J&T Express WorksJ&T Express Delivery FeaturesHow to Ship Packages Through J&T ExpressHow to Send Packages Through J&T Express BranchesHow to Book J&T Express Pickup ServiceJ&T Express Rates 2020J&T Express Shipping Rates from Metro ManilaJ&T Express Shipping Rates from LuzonJ&T Express Shipping Rates from VisayasJ&T Express Shipping Rates from MindanaoJ&T Express Shipping Rates from an IslandPrices of J&T Express BoxesHow to Track J&T Express PackagesFAQs on J&T Express1. How can I find J&T Express branches near me?2. What are the office hours of J&T Express?3. Does J&T deliver on weekends?4. How do I get a J&T pouch?5. Does J&T have a weight limit on packages?6. How many days does it take J&T Express to ship packages?7….

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Inheriting Property? Learn About Estate Tax in the Philippines First

Taxes are everywhere and seemingly unescapable. From the milk tea you love to the heirloom your grandma left, you need to pay tax. Even when you’re gone, you may leave your loved ones to settle on assets you have left behind. With this, what happens when a loved one imparts property to you? And what is the role of estate tax when inheriting such assets? Keep on reading to know about estate tax in the Philippines, how much it costs, and how you can reduce the amount your loved ones may have to pay. Table of ContentsWhat is Estate Tax in the Philippines?Estate Tax vs Inheritance TaxHow Much is Estate Tax in the Philippines?General Requirements for Estate Tax ReturnHow to File for Estate Tax ReturnEstate Tax AmnestyWhen is the Deadline for Estate Tax Amnesty?How Can I Avoid Estate Tax in the Philippines?1. Sell your assets2. Turnover to your heirs3. Get insuranceFinal Thoughts What is Estate Tax in the Philippines? When a loved one dies, his or her assets are given to lawful heirs or beneficiaries. However, this process requires paying for tax called estate tax. Estate is everything that comprises a person’s net worth by the time of death. This includes properties, personal possessions, financial securities, and other assets that the person had control over before passing away. Estate tax in the Philippines refers to the tax on the right of the deceased person to transfer their assets to lawful heirs or beneficiaries. According to the Bureau of Internal Revenue or BIR, estate tax is not property tax but is…

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Moneymax Reviews: Grab More Rewards with Citi Grab Credit Card

Do you use any one of Grab’s booking services on a daily basis? Then you’ll love this week’s edition of Moneymax Reviews. We’re putting Grab’s official co-branded credit card under the microscope in this Citi Grab Credit Card review. Can this credit card live up to the expectations of Grab enthusiasts? From exciting rewards to generous welcome gifts, Citi Grab Credit Card promises to be a reward-heavy credit card even non-Grab users will appreciate. Learn more about it in our in-depth review. Table of ContentsCiti Grab Credit Card Key FeaturesWhy Should I Grab the Citi Grab Credit Card?50 GrabReward Points Upon ApplicationGrab Platinum Tier Upgrade for 6 MonthsPHP 5,000 GrabPay Credits for New CardholdersPHP 2,000 Worth of Grab Vouchers for New CardholdersEarn Up to 10x Citi Points for Every PurchaseWhat Perks Can I Get with My Citi Grab Credit Card?Citi World PrivilegesCiti PayLite Installment PlansCiti Mobile AppCiti Grab Credit Card AlternativesFinal Thoughts Citi Grab Credit Card Key Features Annual fee: PHP 2,500 Interest rate: Effective until November 2, 2020: 3.50% Effective starting November 3, 2020: 2.00% Minimum monthly income requirement: PHP 20,883 Cash advance fee: Effective until November 2, 2020: PHP 500 or 3% of amount, whichever is higher Effective starting November 3, 2020: PHP 200 per cash advance transaction Late payment fee: Effective until January 7, 2021: PHP 850 or the unpaid due, whichever is lower Effective starting January 8, 2021: PHP 1,500 or the unpaid due, whichever is lower Overlimit fee: Effective until January 7, 2021: PHP 750 or the overlimit amount, whichever is lower Effective starting January…

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VUL Insurance in the Philippines: What Is it and Should I Get One?

An insurance agent, who happens to be your friend or relative, is selling VUL insurance to you. But you aren’t sure if getting this type of insurance is a wise investment decision. Should you invest in a VUL policy? And what is VUL insurance in the Philippines, anyway? A VUL insurance policy comes with pros and cons that you need to consider before putting your money in it. Understand what VUL is, its benefits, and risks to know if this is the right insurance with investment in the Philippines. Here’s an objective guide to help you decide whether to purchase a VUL plan or explore other options. Table of ContentsWhat is VUL and How Does it Work?Who Provides VUL Insurance in the Philippines?Is VUL Worth It?Advantages of VUL Insurance in the PhilippinesDisadvantages of VUL Insurance in the PhilippinesIs VUL Insurance a Good Investment?Who Should Get a VUL Policy?Alternatives to VUL InsuranceFinal Thoughts What is VUL and How Does it Work? Variable Universal Life Insurance. also known as Variable Unit-Linked Insurance or VUL, is a permanent life insurance and investment rolled into one product. It provides living, death, and disability benefits with an investment component. In the Philippines, the usual practice is that 5% of the VUL insurance premium goes to the cost of insurance, while 95% goes to investments. It’s crucial to highlight the meaning of the terms “variable” and “permanent” in VUL: Variable means the investment returns vary depending on the rise and fall of the markets where the premium is invested. As a permanent insurance policy, VUL won’t expire and you’re…

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PNB Online Banking Guide to Balance Check, Sending Money, Paying Bills and More

Online banking is the new norm for financial transactions in the Philippines during the pandemic (and most likely even when it’s over). PNB is no exception—like other banks in the Philippines, it actively promotes its PNB online banking channels, officially called PNB Digital Banking. If you have a PNB account, you’ll be glad to know that both PNB Internet Banking and PNB Mobile Banking App are among the easiest to use for different types of transactions. You can conveniently monitor your account balances, send money, pay bills, open and manage UITF investments, and order checkbooks. No need to go to a PNB branch because you can transact from home using your laptop or smartphone instead. Here’s a simple guide to completing transactions using PNB online banking platforms. Table of ContentsPNB Online Banking RegistrationWho Can Enroll in PNB Digital Banking?How to Enroll in PNB Online BankingPNB Online Banking ActivationPNB Online Banking Enrollment of Additional AccountsHow to Enroll Your PNB Credit Card in PNB Digital BankingHow to Enroll Your PNB Deposit Account in PNB Online BankingHow to Check Balance in PNB Online Banking AccountHow to Activate Quick Balance in the PNB Mobile AppPNB Online Fund TransferHow to Transfer Funds Between PNB AccountsHow to Transfer Funds to Other Local BanksPNB Online Bills PaymentHow Pay Bills with PNB Online BankingFinal Thoughts PNB Online Banking Registration Who Can Enroll in PNB Digital Banking? You can register to PNB Digital Banking if you have any of the following PNB accounts: ATM/Debit/Passbook savings account Checking account SSS/GSIS pensioner account Joint/OR account Credit card account PNB clients with…

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Get Free ₱2,000 GCash from Moneymax!

Go cashless in the new normal with a credit card that suits your lifestyle and needs. Still looking for the right one? Get one from Citibank through Moneymax and receive GCash worth PHP 2,000 upon approval! Use your GCash to pay bills, send money, and buy load and other purchases. Your GCash is also withdrawable as cash. This promo is exclusively from Moneymax and is only valid to new Citibank customers. Hurry and apply today! Promo runs from October 15 to October 31, 2020. Per DTI-FTEB Permit No. 106695, Series of 2020. For full Terms and Conditions, click here. Get the right Citibank credit card for you. See our table below: CITI CREDIT CARDS FEATURES & BENEFITS CITI SIMPLICITY + Monthly income requirement: PHP 20,833 No annual fees forever! No late payment and overlimit fees Interest rate: 3.50% CITI REWARDS CARD Monthly income requirement: PHP 20,833 3x points on shopping and dining transactions Non-expiring points! Use anytime, anywhere. 0% interest with Citi Paylite Interest rate: 3.50% CITI CASH BACK CARD Monthly income requirement: PHP 20,833 Up to 6% cash back on all purchases Save as much as P12,000 per year 0% interest with Citi Paylite Interest rate: 3.50% CITI PREMIERMILES Monthly income requirement: PHP 30,000 Earn 1 PremierMile for every PHP 30 spend Free travel insurance coverage Interest rate: 3.50% CITI PRESTIGE CARD Monthly income requirement: PHP 83,333 Earn 5x rewards points on shopping and dining Unlimited access to VIP airport lounges Interest rate: 3.50% SHELL CITI CARD Monthly income requirement: PHP 20,833 5% rebate on Shell fuel purchases 5%…

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How Home Loan Refinancing Can Help You Save Money

Bills, bills, bills. There’s no way to eliminate them, but you can reduce what you’re paying every month. Assess your monthly expenses. If you discover, for example, that you’re paying too much on your home loan, consider switching to a new loan that will help ease your financial burden. Rather than making you sink deeper in debt, home loan refinancing can help you save money, as long as you go with a loan that offers the most favorable terms. The benefits of refinancing couldn’t come at a better time when everyone is reeling from the effects of the COVID-19 crisis, such as unemployment and business losses. Read on to know what refinancing a mortgage means and how you can use it to reduce your debt. Table of ContentsWhat is Home Loan Refinancing?5 Ways to Save Money Through Home Loan Refinancing in the Philippines1. Get a Lower Interest Rate2. Change to a Fixed-Rate Mortgage3. Reduce Your Monthly Payments4. Shorten Your Repayment Term5. Consolidate High-Interest Loans into a Low-Interest Home LoanFinal Thoughts What is Home Loan Refinancing? Home loan refinancing is the process of paying off an existing mortgage by replacing it with a new loan from a different lender. Ideally, the new home loan has a lower interest rate and better terms than the first one. The goal is to make your monthly or total loan repayment cheaper and easier on the budget. Read more: Everything You Need to Know About Housing Loans in the Philippines 5 Ways to Save Money Through Home Loan Refinancing in the Philippines Refinancing a mortgage…

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RCBC Online Banking Guide to Manage Your Finances at Home

Rizal Commercial Banking Corp. (RCBC) recently reported a 281% increase in electronic fund transfers (EFT) as of end-May this year[1], thanks in large to their improved RCBC Online Banking platform. “The enhanced community quarantine (ECQ) in March this year pushed EFT transactions further, with values amounting to PHP 47.03 billion for the three-month period alone, higher compared to the pre-COVID-19 level of PHP 16.14 billion which was for the months of January to February 2020,” RCBC said in a statement. And since we’re on the verge of the new normal, the trend will continue to rise from here. That’s why it’s important to familiarize yourself with online banking. If you have an RCBC banking account, here’s how you can use RCBC Online Banking. Table of ContentsRCBC Online RegistrationWhat Type of RCBC Accounts Can I Enroll?How to Enroll in RCBC Online BankingRCBC Online Check Balance InquiryHow to Check Your Balance via RCBC Online Banking WebHow to Check Your Balance via RCBC Online Banking AppHow to Deposit a Check via RCBC Online Banking AppRCBC Online Banking Money TransferRCBC Online Banking Fees and Transaction LimitsHow to Transfer Money via RCBC Online Banking WebHow to Transfer Money via RCBC Online Banking AppHow to Transfer Money via QR Code in RCBC AppHow to Send Cash via RCBC ATMs and BranchesRCBC Online Bills PaymentHow to Pay Bills via RCBC Online Banking AppI forgot my RCBC Online Banking ID/Password. What should I do?How to reactivate my RCBC Online Banking account?Final Thoughts RCBC Online Registration The good thing about RCBC Online Banking is that you can easily enroll…

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9 Pag-IBIG Benefits You Probably Didn’t Know Yet

The Pag-IBIG fund is known for its affordable housing loans. It allows members to get their dream house without having to pay hefty interest rates. However, did you know that there are other Pag-IBIG benefits you can claim? Keep on reading to learn about these benefits and how you can avail them. Table of ContentsWhat is Pag-IBIG Fund?How to Become a Pag-IBIG Member OnlineHow Much is the Pag-IBIG Contribution?Pag-IBIG Contribution for Employees and EmployersPag-IBIG Contribution for Self-EmployedPag-IBIG Contribution for OFWsPag-IBIG Benefits Summary for Contributing Members1. Pag-IBIG Savings Program2. Pag-IBIG MP2 Program3. Pag-IBIG Loyalty Card Plus4. Pag-IBIG Housing Loans5. Pag-IBIG Mortgage Redemption Insurance6. Pag-IBIG Calamity Loan7. Pag-IBIG Salary Loan8. Pag-IBIG Provident Benefits 9. Pag-IBIG Death BenefitsPag-IBIG Benefits ApplicationHow to Apply for Pag-IBIG Housing LoanHow to Apply for Pag-IBIG Calamity or Multi-Purpose LoanHow to Claim Pag-IBIG Provident or Death BenefitsWhat is the Pag-IBIG Fund Hotline?Final Thoughts What is Pag-IBIG Fund? Established in 1978, the Home Development Fund (HDMF) is a government-owned and controlled corporation under the Department of Human Settlement and Urban Development.  Popularly known as the Pag-IBIG Fund, the agency addresses affordable home financing for Filipinos. Apart from housing loans, members can also enjoy numerous Pag-IBIG benefits such as calamity and multi-purpose loans, provident benefits, and death benefits. How to Become a Pag-IBIG Member Online To register for membership, go to the Pag-IBIG website at www.pagibigfund.gov.ph. Click “E-services”. On the next page, select “Membership Registration” Type in your name and birthdate. This lets Pag-IBIG check their database and ensure you don’t have an existing membership with the agency. Enter the code at the…

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I Lost My Credit Card. What Should I Do?

Ever lost a wallet before? Imagine losing your valid IDs, spare cash, and your credit card. Out of all the things you’ve lost, your lost credit card has the most potential to bury you in a huge mountain of debt, provided you didn’t handle the situation well. Learn more about the importance of this matter and find out what you can do if you do lose your precious credit card. Table of ContentsI Lost My Credit Card, So What?What Should I Do After Losing My Credit Card?Can I Recover My Lost Credit Card?What Should I Do to Protect My Credit Card? I Lost My Credit Card, So What? Losing your credit card is a serious matter. While it’s true that the credit card itself doesn’t have your money contained with it, a fraudulent user can rack up your debt without your knowledge. Whoever got your lost credit card can basically buy whatever they want at your expense. Ignore this problem and you’ll be greeted with a credit card bill you’ll sell your kidney for. This is because typically, any purchases made using a credit card under your name will be held liable to you. The worst part is that fraudsters don’t even need your physical card to use your credit card. All they need is access to your credit card information like its card number, date of expiry, and the card verification code (CVC) found at the back of your card. Read more: [INFOGRAPHIC] The Anatomy of a Credit Card What Should I Do After Losing My Credit Card? If you…

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BDO Credit Card Promos You Shouldn’t Miss in 2020

Are you a BDO cardholder looking for credit card promo offers before the year ends? You’re in for a treat! BDO credit card promos never fail to disappoint and in fact, some of these offers extend to next year. Isn’t that exciting? BDO offers plenty of dining, hotel, travel, shopping, and other exciting rewards for both their first time and existing clients. So to make it easier for you, we’ve compiled the best BDO credit card promo offers out there. Table of ContentsBDO Credit Card Promo Offers for New CardholdersEarn Up to 40,000 Bonus PointsFree SM Gift Pass Up to PHP 1,500BDO Credit Card Promo Offers for Shopping12% Off on Items at ShopeePHP 500 Off at PounditUp to 10% Off at Fully BookedPHP 300 Off Every Friday During Your Birth Month at MinisoUp to PHP 1,000 Off at All HomeUp to 18% Off at ZaloraUp to PHP 5,000 Rebate on InstallmentsBDO Credit Card Promo Offers for DiningUp to 50% Off at New World Makati HotelUp to 20% Off at Fairmont MakatiUp to 20% Off at Raffles Makati15% Off at Hotel Okura YamazatoExclusive Pizza Hut DealsBirthday Privileges at Sheraton Manila Hotel10% Off at Brothers BurgerFinal Thoughts BDO Credit Card Promo Offers for New Cardholders Earn Up to 40,000 Bonus Points Eligible Card: BDO Diamond UnionPay Promo Period: January 1, 2020 to December 31, 2020 New BDO Diamond UnionPay cardholders can earn up to 40,000 bonus points by using their card on daily purchases. Meet the minimum spend[1] of PHP 75,000 and instantly earn over 11,000 reward points. So swipe more to earn…

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Buy Now, Pay Later: How to Use TendoPay for Online Purchases

Have you ever badly needed to buy something but you’re short on cash? Your laptop might be broken beyond repair, and you have to immediately buy a new unit for work or your child’s online classes. You might need money to buy groceries, but payday seems like light-years away. Or you want to cheer up your mom on her birthday by getting her something special. When caught in such a difficult situation, what would you do? If you need to make an all-important purchase but you’re out of budget, consider taking an installment loan like that of TendoPay. An alternative to bank loans, TendoPay offers affordable and convenient financing for cash-strapped Filipinos, especially during the COVID-19 crisis. Learn more about this installment loan and how to use it through this guide. Table of ContentsWhat is TendoPay and How Does It Work?TendoPay Installment Loan FeaturesHow to Apply for a TendoPay LoanReview the TendoPay RequirementsHow to Register in TendoPayHow to Use TendoPay for Online PaymentsHow to Get Installment on Lazada Through TendoPay VoucherHow to Use TendoPay for 7-Eleven PurchasesHow to Pay for ZALORA Purchases Using TendoPay VoucherHow to Use TendoPay as a Checkout OptionHow Do I Pay My TendoPay Loan?Payment via GCash or PayMayaPayment via BDO or UnionBankPayment via a Bills Payment CenterPayment via 7-ElevenFAQs on TendoPay Installments1. Is TendoPay legit and safe?2. What are the available TendoPay merchants?3. Can I use TendoPay to pay for Shopee installment?4. What will happen if I miss my installment payment?Final Thoughts What is TendoPay and How Does It Work? TendoPay[1] is an emerging fintech brand…

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Online Business Ideas You Can Start Even with Small Capital

Running an online business and being your own boss definitely has its appeal. In fact, it’s so enticing that the number of registered online businesses in the country is now 40 times more in the past five months[1]. Definitely, the internet is a great medium to connect with customers without leaving home. However, starting an online business also has its challenges—the biggest one is coming up with enough money for capital. But don’t worry because there are many online business ideas you can start for as low as PHP 2,000. Want to take the leap? Keep on reading to learn more about online business ideas in the Philippines you can start in 2020. Table of ContentsOnline Business Ideas 20201. Make Artisanal Candles2. Offer Online Tutorials3. Craft Your Own Beverages4. Declutter Your Preloved Items5. Resell Skincare Products6. Sell Essential Items7. Build Apps and Websites8. Start an Online Loungewear Store9. Monetize Your Own Art10. Sell Homecooked MealsFinal Thoughts Online Business Ideas 2020 1. Make Artisanal Candles Aromatherapy candles can help people relax after a tiring day. They are perfect to cap off a busy workday, especially now that most professionals are working from home. They’re quite easy to make as well. Add your own flair and essential oil blends to create the most calming candles. Starting capital: PHP 5,000 – PHP 20,000 Materials and equipment needed: Double boiler Candle-making wax Wicks Essential oils Coloring agents Molds Dried flowers (optional) Tin can or glasses as containers Candle making is one of the easiest online business ideas out there. You can do it at…

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The Importance of Car Insurance: 6 Benefits for Car Owners

You might think that car insurance is just another expense added to your monthly bills. However, vehicle insurance gives you a safety net when unfortunate incidents happen to you, your loved ones, and your vehicle. You may not prevent an accident from happing, but you can protect yourself if or when it happens. Keep on reading to know more about the importance of car insurance and how you can choose the right one for your needs. Table of ContentsThe Importance of Car Insurance: Why Should I Have One?1. Car insurance is required by law2. It protects you from theft3. Covers damages caused by disasters4. No up-front expenses5. Easy claims process6. Saves you money in the long runHow Do I Choose the Right Car Insurance?Determine your needsCompare and ask aroundEvaluate car insurance benefits and featuresConsider a customized policyChoose an insurance provider that offers flexible payment optionsFinal Thoughts The Importance of Car Insurance: Why Should I Have One? 1. Car insurance is required by law Every registered vehicle in the Philippines must get at least a basic Compulsory Third Party Liability (CTPL) car insurance. This policy protects you from any possible liabilities to a third party—any person other than a passenger, a family member, or a household member of the vehicle’s owner. CTPL is also one of the requirements before you can  register your car to the Land Transportation Office[1]. 2. It protects you from theft The importance of vehicle insurance shouldn’t be ignored, especially when hundreds of cars are stolen yearly[2]. We’ve all heard horror stories of people stealing someone else’s…

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Easytrip Guide: Easy Ways to Get and Reload Easytrip RFID

Have you installed an Easytrip RFID sticker on your vehicle? If not, you have to do it immediately. To help reduce COVID-19 transmission, the Department of Transportation has ordered the full adoption of an RFID system in all tollways by November 2, 2020[1]. This will lessen contact between motorists and toll booth operators, as well as eliminate the need for using cash for paying toll fees. The conventional way to get an Easytrip RFID and top it up is to drive to the nearest RFID installation site. But it can be time-consuming and quite risky. The easier and safer alternative is to make your Easytrip transactions online. Here’s a quick guide to ordering, installing, and reloading Easytrip RFID online. Table of ContentsWhat is Easytrip RFID?Easytrip RFID CoverageDIY Easytrip RFID Installation GuideWhere Can I Buy an Easytrip Device?How to Order a Stick-It-Yourself Easytrip RFID OnlineHow to Install Your Easytrip RFIDEasytrip Balance Inquiry GuideHow to Check Easytrip Balance via WebsiteHow to Check Easytrip Balance via Mobile AppEasytrip Online Reloading GuideHow to Load Easytrip via Online Banking or E-WalletHow to Load Easytrip via UnionBank EON AppHow to Load Easytrip via Coins.ph AppHow to Load Easytrip via BPIHow to Load Easytrip via Easytrip Mobile AppFinal Thoughts What is Easytrip RFID? The Easytrip RFID is a government-recommended radio frequency identification sticker attached to a vehicle’s windshield or headlight for use in contactless and cashless toll payments. It’s a more efficient and safer alternative to cash for paying toll fees. Easytrip RFID Coverage Two tollway operators operate the different expressways in Luzon: the Metro Pacific Tollways Corporation…

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Prudential Guarantee Strengthens Auto Insurance Program Through Partnership with Moneymax

MANILA, PHILIPPINES – SEPTEMBER 2020. Prudential Guarantee and Assurance, Inc. (PGAI), one of the country’s leading non-life insurance companies, partners with Moneymax to make its auto insurance program more accessible to a wider audience. Both companies aim to help Filipinos financially protect their vehicles without leaving the comfort of their homes. This is also part of PGAI’s effort to increase the use of digital processes and expansion of their car insurance services. Table of ContentsPrudential Guarantee x Moneymax: A Milestone for Both CompaniesClient Convenience and Safety, Always a Top PriorityAbout Moneymax Prudential Guarantee x Moneymax: A Milestone for Both Companies PGAI, with 41 offices operating nationwide, is the Philippines’ number one non-life insurance company in terms of Net Premiums Written based on the Insurance Commission’s 2017 to 2019 ranking. PGAI offers a complete suite of insurance products such as car insurance, property insurance, and travel insurance. The insurance provider is also an affiliate of PGA Cars, which exclusively distributes luxury auto brands like Audi, Porsche, Lamborghini, and Bentley. This partnership represents a milestone for both companies: this is PGAI’s first partnership with an online aggregator, while for Moneymax, PGAI becomes its largest insurance partner to date. Indeed, Moneymax is excited to extend the reach of PGAI’s comprehensive car insurance services to its website audience of more than half a million users per month. Greg Aguilar, Moneymax’s Head of Business Development shares, “We are excited to announce our new partnership with Prudential Guarantee. The partnership will allow Moneymax, as a registered broker, to offer PGAI’s car insurance products on its online…

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LBC Express: Your Guide to Shipping and Other LBC Services

“Ipa-LBC mo na ‘yan!” LBC is such a household name synonymous with padala. It’s one of the top-of-mind choices for shipping packages in the Philippines. When sending a balikbayan box to your loved ones, shipping goods to your customers, or receiving documents from government agencies, you’ve most likely used an LBC Express service at least once in your life. If you need to know more about LBC services, then here’s a quick guide for you. Table of ContentsWhat is LBC Express?Overview of LBC ServicesLBC Shipping ServicesLBC Remittance ServicesE-Commerce Fulfillment ServicesBusiness SolutionsLBC Shipping GuideWhat are the LBC Shipping Rates?How to Ship Through LBC ExpressLBC Pick Up GuideWhat is LBC Pick Up?LBC Pick Up RatesWhere is the LBC Pick Up Service Available?How to Book an LBC Pick Up ServiceLBC Express FAQs1. Where does LBC deliver?2. How can I find open LBC branches near me?3. Is LBC Express open on Sundays and holidays?4. Is LBC Express open on holidays?5. Does LBC deliver on Sundays and holidays?6. Can I send cellphone or laptop through LBC?7. How long does LBC take to deliver?8. How to track LBC Express delivery?9. Can I pick up my package from LBC Express?10. What are the LBC pera padala rates?11. How to contact LBC Express?Final Thoughts What is LBC Express? LBC Express[1] is the largest courier, cargo, logistics, and money remittance service company in the Philippines with over 1,400 branches nationwide. Established in 1945, LBC pioneered express delivery and cargo shipping, as well as 24-hour door-to-door delivery in the country. Overview of LBC Services LBC Philippines is well-known as a…

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PhilHealth Benefits Guide for Regular and Voluntary Members

Unexpected expenses, like a sudden hospitalization, can put a huge dent on your savings. Fortunately, there are PhilHealth benefits we can take advantage of. The Philippine Health Insurance Corporation or PhilHealth is a government agency mandated to financially help Filipinos with their medical needs. As of 2015, about 88% of the country’s population are contributing members of the agency[1]. Members and their qualified dependents can avail of PhilHealth benefits as long as they meet the eligibility criteria. Keep on reading to know more about PhilHealth and the benefits you can get as a member. Table of ContentsWhat is PhilHealth and How Does It Work?What PhilHealth Benefits are Available?1. Inpatient benefits2. Outpatient benefits3. Z benefits4. SDG-related benefitsPhilHealth Benefits for Foreign Citizens and Dual CitizensHow to Apply for PhilHealth Membership? PhilHealth basic requirementsFor foreign retireesFor foreigners living or working in the PhilippinesFor Filipinos with dual citizenshipPhilHealth Contribution TablePhilHealth Contribution Table for 2020PhilHealth Contribution Table for 2021PhilHealth Contribution Table for 2022PhilHealth Contribution Table for 2023PhilHealth Contribution Table for 2024 onwardsPhilHealth Contribution for Voluntary MembersPhilHealth Annual Contributions for Foreign and Dual CitizensPhilHealth Benefits Eligibility and ApplicationHow to Claim Philhealth BenefitsStep 1: ConditionsStep 2: Required DocumentsStep 3: Claiming and Post-ClaimsFrequently Asked Questions About PhilHealth Benefits1. How many times can I use my PhilHealth benefits in a year?2. How much is covered by PhilHealth?3. Who can be my PhilHealth dependents?4. How Can I use my PhilHealth for dependents?5. Is MRI covered by PhilHealth?6. Is CT Scan covered by PhilHealth?7. Are there maternity benefits for pregnant women and newborns?8. Can senior citizens apply as PhilHealth members?9. What cases are not…

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Internet in the Philippines: Why Is It Slow and Expensive?

Filipinos need internet connectivity more than ever as most professionals are now working from home and as students start taking their classes online. However, the internet in the Philippines remains unreliable. Most people find their connection slow, unavailable, and quite frustrating. Why is that so? Table of ContentsHow Fast is Philippine Internet?Philippines Internet Speed vs Other CountriesWhat is the NTC’s Role When it Comes to Internet Speed?The Price of Internet in the PhilippinesSo Why is Internet in the Philippines Expensive?List of Internet Providers in the Philippines1. PLDT 2. Globe4. One SKYFinal Thoughts How Fast is Philippine Internet? According to an Ookla Speedtest in August 2020[1], the Philippines ranked at the lower part of the global index in terms of average broadband and mobile speeds. At 16.44Mbps for mobile downloads, the country landed the 199th spot out of 139. With 25.34Mbps for broadband, we landed at the 106th place out of 174. Here’s how internet in the Philippines fair as compared to other countries: Philippines Internet Speed vs Other Countries The results aren’t surprising and just re-affirms Filipinos’ internet woes. However, it’s a far cry from South Korea’s 113.01Mbps speed for mobile downloads and Singapore’s 218.07Mbps for broadband downloads. For the full list of speed test results, click here. What is the NTC’s Role When it Comes to Internet Speed? Now, where does the National Telecommunications Commission or NTC come in? The NTC ensures the accuracy of the internet speed being delivered to consumers in the Philippines. Together with the House Committee on Information and Communications Technology, the NTC has to make sure…

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BDO Online Features You Must Know for a Better E-Banking Experience

Knowing the different features of BDO Online Banking is important whether you have a BDO account or not. For BDO clients, this helps them maximize their use of the online banking platform. For those who are still deciding where to open a bank account, this helps them determine if BDO’s internet banking channel is the best fit compared to those of other banks. Whichever your goal is, here’s a quick overview of BDO Online Banking features. Table of ContentsWhat is BDO Online Banking?BDO Online Banking Services1. BDO Online Enrollment2. BDO Online Balance Inquiry3. BDO Online Send Money4. BDO Online Pay Bills5. BDO Online ReloadBDO Online Banking Security Features1. User Authentication2. Automatic Log-out3. Lock/Unlock Card4. Set Transaction LimitsHandy BDO Online Banking Features You Might Not KnowMy Quick LinksMy Saved TemplatesFinal Thoughts What is BDO Online Banking? BDO’s online banking facility[1] enables account holders to do a wide array of financial transactions anytime and anywhere using their laptops or smartphones. Most transactions can be completed without having to visit a BDO branch. Through BDO Online Banking account, you can conveniently do these transactions: Check account balances and transactions Transfer funds Pay bills Reload prepaid mobile phones and BDO cash cards Order checkbooks Request a Stop Payment Order on issued checks Read more: Online Banking in the Philippines: The Benefits of Going Cashless BDO Online Banking Services 1. BDO Online Enrollment Who Can Enroll? If you have any of these BDO accounts (individual or joint OR accounts), you may register for BDO Online Banking: Savings Checking Time deposit Prepaid card Auto Loan, Home Loan,…

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