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

Balance Transfer Credit Cards: Guide for Cardholders in the Philippines

Are your credit card payments becoming too much of a burden? If you’re paying high interest on your balance every month, it’s time to switch to a balance transfer credit card with a lower interest rate. Doing so prevents worst-case scenarios like accumulating huge credit card debt. Manage your credit card payments better through balance transfer. Get started with this guide to balance transfer credit cards in the Philippines. Table of ContentsWhat is a Balance Transfer Credit Card?How to Choose the Best Balance Transfer Credit Card1. Compare Balance Transfer Features and Fees2. Compute and Compare Monthly AmortizationsBest Balance Transfer Credit Cards in the PhilippinesRCBC Bankard Flex VisaCiti Simplicity+Metrobank M Lite MastercardBank of Commerce Platinum MastercardBDO Gold UnionPayChina Bank Freedom MastercardBPI Edge MastercardSecurity Bank Classic Rewards MastercardHow to Transfer Credit Card Balance1. Get a New Credit Card2. Apply For Balance Transfer3. Wait For Balance Transfer ApprovalFinal Thoughts What is a Balance Transfer Credit Card? A balance transfer credit card is a low-interest card where you can move the amount you owe on your other high-interest cards. Because of the lower interest rate, most of your payments will go toward your principal balance instead of the interest charges. This helps you save money on interest payments and pay off your debt faster. This type of credit card also simplifies your payments by consolidating your balances on other cards into one monthly payment and due date. Read more: Credit Card Balance Transfer: 8 Things Cardholders Need to Know How to Choose the Best Balance Transfer Credit Card The right credit card features spell…

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LTO License Plate Updates Car Owners Must Know

When will they release my new LTO license plate? Can I change my vehicle plate? Can I drive without one? What to do when my license plate is damaged or lost? These concerns may not be as urgent as an overheating engine or a flat tire, but your plaka matters, too. Serving as a vehicle’s identification, the license plate is required by law when driving on public roads in the Philippines. Here are some of the latest LTO license plate updates every car owner should know. Table of ContentsYour LTO License Plate from 2016 is Ready for ReleaseHow to Verify Your License Plate AvailabilityHow to Claim Your License Plate from LTOHow to Apply for a Replacement LTO License PlateYour Temporary License Plate Should Follow LTO Official SpecsPresident Duterte Signs the Doble Plaka LawLTO Releases First Batch of New Motorcycle PlatesAdditional LTO License Plate RemindersYou Still Can’t Apply for a Vanity Plate YetDriving Without a License Plate Can Get You in TroubleYour License Plate Number is PermanentBeware of FixersFinal Thoughts Your LTO License Plate from 2016 is Ready for Release Still awaiting your new LTO license plate for what seems like forever? What a bummer. While other countries have started implementing high-tech license plates, here we are—wondering for several years when our physical plates will be issued. But the long wait seems to be over (for some). For four-wheel vehicles registered from January to June 2016, their license plates will be ready for release[1]. LTO started releasing new plates and replacement plates last year and they are now available for claiming. As for…

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Starting a Family? Consider These 10 Family Insurance Types

You might be wondering if you really have to get different types of insurance when you already have so many expenses to deal with. Well, it’s a matter of protecting your loved ones and financially protecting yourself. Is family insurance just an added expense or a must-have for securing your family’s future? Insurance makes it affordable for you to prepare for any unforeseen events such as death, disability, illnesses, and accidents. If you get the right insurance type for your family, premium payments will cost you less now than upfront and out-of-pocket payments later. Ultimately, when the unexpected happens, insurance will lessen the financial burden to your family. Table of ContentsWhat is Family Insurance?How Much Does Family Insurance Cost?Types of Insurance for Families in the PhilippinesFamily Life InsuranceFamily Health InsuranceCritical Illness InsuranceFamily Personal Accident InsuranceEducation InsuranceCar InsuranceHome InsuranceOptional Family Insurance Types to ConsiderMortgage Redemption InsuranceFamily Dental InsuranceTravel InsuranceHow to Choose the Right Family Insurance1. Identify your level of need2. Determine premium costs3. Manage your risks4. Compare policies5. Beware of too-good-to-be-true plans6. Read the fine print7. Ask awayFinal Thoughts What is Family Insurance? Family insurance covers the entire family for a set amount of premium. It could be a life, health, or education insurance. For example, if you get a family life insurance, your family members are covered in the event of your death. The insurance provider pays a lump sum to the surviving family of the insured person after a certain period.  This kind of insurance policy provides a financial security blanket to surviving dependents or beneficiaries after the policyholder’s…

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Homeowner’s Detailed Guide to Mortgage Redemption Insurance

Owning a home is one of many Filipinos greatest dreams. It’s a worthwhile investment not only for you but also for your family. However, not everyone can buy a home in full, especially now that house prices in the Philippines continue to increase[1]. As a result, many take on housing loans to purchase their dream home. It’s the most recommended, if not the best, financing option for buying a new house or renovating a property. But what happens when the borrower dies and the mortgage is still unpaid? This is where Mortgage Redemption Insurance (MRI) comes in. Having this kind of insurance ensures that your outstanding mortgage debt is paid in the unfortunate event of death or total disability. Learn more about Mortgage Redemption Insurance in housing loans below. Table of ContentsWhat is Mortgage Redemption Insurance?What is MRI in Housing Loans?MRI Versus Other Life Insurance ProductsMRI Versus Other Home Insurance ProductsHow Much is MRI in the Philippines?How Do I Apply for MRI?Where to Get Mortgage Redemption InsuranceFinal Thoughts What is Mortgage Redemption Insurance? Mortgage Redemption Insurance is a life insurance policy that helps repay your mortgage balance in the event of your death before the housing loan’s full repayment. MRI is designed to protect your home from foreclosure as it will take out your outstanding debt if you die. Just like any other insurance policy, MRI covers a set amount and duration. It dictates how much of your mortgage can be covered and for how long. The higher your premium is, the better your coverage will be. However, keep in…

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11 Metrobank Credit Card Promos You Shouldn’t Miss

Do you own a Metrobank credit card? Or maybe you’re planning to get one soon? Whatever your status is, it’s important to take advantage of Metrobank credit card promos. Apart from Metrobank credit card rewards points, cardholders can also enjoy exclusive discounts and deals when they use their card to shop at partner establishments. Here are some of the best ones to check out. Table of ContentsMetrobank Credit Card Promos for New CardholdersRainy Day Rebates Acquisition PromoMetrobank Credit Card Promos for Dining50% Off at Select Grand Hyatt Hotel Restaurants15% Off at California Pizza Kitchen15% Off at Highlands Coffee10% Off at SugarhousePHP 100 Off on First Foodpanda OrderMetrobank Credit Card Promos for ShoppingUp to 30% Off at BalthazarUp to 25% Off at Zalora10% Off at Surplus15% Off at Audio RefineryPHP 4,000 cashback on Samsung Galaxy Note 20 or Note 20 UltraFinal Thoughts Metrobank Credit Card Promos for New Cardholders Rainy Day Rebates Acquisition Promo Eligible Cards: All Metrobank credit cards (except Metrobank Dollar Mastercard, Corporate Card, Commercial Card, Puregold Mastercard, M Free Mastercard, and M Lite Mastercard) Promo Period: July 16, 2020 to October 15, 2020 Thinking of applying for a Metrobank credit card? Do it before October 15, 2020 so you won’t miss just one of the exciting Metrobank credit card promos[1]. Apply for a Metrobank credit card, spend PHP 30,000 within 90 days upon approval, and get rebates worth up to PHP 3,500. Plus, earn 2x reward points on electronics, gadgets, and all online purchases with your newly-minted Metrobank credit card. Metrobank Credit Card Promos for Dining 50% Off at Select…

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InstaPay Philippines: What Is It and How Can I Use It?

Using a smartphone to transfer money is now faster and more convenient thanks to mobile wallets and banking apps. However, most of these apps don’t allow senders to transfer money to accounts maintained in another application or financial institution. Enter InstaPay Philippines, an electronic fund transfer (EFT) service by the Bangko Sentral ng Pilipinas or BSP. Launched in 2018, InstaPay allows users to transfer money to another bank or non-bank institution that carries the facility. Keep on reading to know more about InstaPay Philippines and how you can use it to send money. Table of ContentsWhat is InstaPay?Benefits of Using InstaPay PhilippinesInstaPay Participating Banks and Non-Bank E-Money IssuersInstaPay Sender and ReceiverReceiver OnlyHow Do I Use InstaPay?Sending Money via InstaPayReceiving Money via InstaPayWhat is the transfer limit?Are there fees for using InstaPay?InstaPay Philippines FAQsIs transferring money via InstaPay real time?Can I transfer money to an overseas bank account using InstaPay?Can I transfer money to a non-participating financial institution?I got a transaction error while using InstaPay. What should I do?Final Thoughts What is InstaPay? InstaPay is an EFT service that allows clients to transfer money instantly between accounts of participating BSP-supervised banks and non-bank e-money issuers in the Philippines. It is governed by the Philippine Payment Management Inc. under the supervision of BSP. You can use InstaPay if you have an e-money account (with or without ATM or debit card) with one of the service’s participating institutions. Individuals, businesses, and government agencies can send and/or receive fund transfers with this facility. InstaPay aims to bring a safe and reliable retail payment system…

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#MagpaRehistroKa: COMELEC Registration 2020 Guide for Filipinos

September 1 marks the start of Ber months, aka the Christmas season, in the Philippines. But many aren’t aware that it’s also the start of voter’s registration for the May 2022 elections. Before you get too busy with the holiday preps, don’t forget to fulfill your duty as a Filipino citizen. If you aren’t a voter yet, you need to register first with the Commission on Elections (COMELEC). Why bother to register? COMELEC registration is the first step to exercising your right to vote for the next leaders who will shape our country’s economy, international relations, public health, and other critical national policies. #MagpaRehistroKa na! Here’s a quick guide to walk you through COMELEC registration 2020. Table of ContentsWhat is Voter’s Registration?Who Can Register as a Voter in the Philippines?When is the COMELEC Registration?COMELEC Registration PeriodCOMELEC Registration Schedule 2020What to Do Before Registration1. Prepare the COMELEC Registration Requirements2. Download and Accomplish the Voter’s Registration FormCOMELEC Registration Form Guidelines3. Book an Appointment with Your Local COMELEC Office4. Know the COVID-19 Safety Protocols in COMELEC OfficesCOMELEC Registration 2020: How to Register as a Voter1. Go to the Local COMELEC Office2. Present the COMELEC Registration Requirements3. Have Your Biometrics Captured4. Wait for Your Acknowledgment ReceiptCOMELEC Registration 2020 for Overseas VotersCOMELEC Registration Schedule and Venue for Overseas FilipinosCOMELEC Registration Steps for Overseas FilipinosCOMELEC Registration 2020 FAQs1. Do we have COMELEC online registration?2. How often should I register as a voter?3. What is COMELEC satellite registration?4. How to verify my COMELEC registration status?5. How to transfer my COMELEC registration?6. How to update my COMELEC registration?Final…

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Help Fight the Pandemic: How to Become a Contact Tracer in the Philippines

The number of active COVID-19 cases in the Philippines continue to rise, forcing the government to place parts of the country in various levels of community quarantine. To minimize the transmission of the virus, the government has hired over 30,000 contact tracers. But what is the role of a contract tracer in the Philippines? Keep on reading to know learn about it and how you can be a contact tracer in the Philippines. Table of ContentsWhat is Contact Tracing?What are the Responsibilities of  a Contact Tracer?1. Contact identification2. Contact listing3. Contact follow-upContract Tracer Skills and QualificationsContract Tracer RequirementsHow to Become a Contact TracerTESDA Training for Contact TracersWhat are the basic requirements for TESDA’s free contact tracing training?What are the qualifications for the trainers?Final Thoughts What is Contact Tracing? Contact tracing is the method of identifying, evaluating, and managing individuals who have been exposed to COVID-19. When done effectively, contact tracing can help reduce the transmission of the disease. The process requires tracers to identify individuals who have been exposed to a positive COVID-19 patient. They also have to follow up on them daily for at least 14 days from the last point of exposure. According to the Department of Health, contact tracing helps the country’s battle against the pandemic by: Interrupting ongoing transmission Reducing the spread of infection Alerting close contacts from possible infection Offering preventative counseling or care What are the Responsibilities of  a Contact Tracer? Apart from the abovementioned tasks, the World Health Organization has also broken down the contact tracing process into three sub-processes. These are the…

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Security Bank Online Guide for Hassle-Free Banking at Home

Before the COVID-19 pandemic, over-the-counter transactions at Security Bank are smooth and efficient, as branches are less crowded compared to other commercial banks in the Philippines. You might be used to that setup, but the pandemic has changed the way we bank. It’s now safer to complete transactions like paying bills and transferring money online than in-person at a bank branch. If you’re a Security Bank client, you’ll be glad to know that Security Bank Online (SBOL) and the Mobile App not only help you avoid physical contact (which raises the risk of getting the coronavirus) but also make your financial transactions a lot more convenient. Here’s your guide to using Security Bank Online banking services. Table of ContentsSecurity Bank Online RegistrationWhat Account Types Can I Enroll Online?How to Create a Security Bank Online AccountHow to Activate Security Bank Online AccountSecurity Bank Online Balance InquiryWhat Types of Account Balance Can I Check Online?How to Check Balance in Security Bank OnlineHow to Transfer Money via Security Bank OnlineWhat is the Transfer Limit in Security Bank Online?How Much is the Money Transfer Fee in Security Bank Online?How to Transfer Money to Other Banks via Security Bank OnlineHow to Transfer Money to Other Banks via Security Bank Mobile AppHow to Transfer Money Using eGiveCashSecurity Bank Online Bills PaymentHow to Pay Bills via Security Bank OnlineHow to Pay Bills via Security Bank Mobile AppHow to Check Your Bill Payment StatusI Forgot My Security Bank User ID/Password? What Should I Do?How to Recover Security Bank Online AccountHow to Unlock Security Bank Online AccountFinal Thoughts Security…

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Moneymax Reviews: 4x the Fun with HSBC Red Mastercard

It’s not a bird, it’s not a plane, it’s another edition of Moneymax Reviews! Our exploration of note-worthy credit cards in the Philippines continues with our first entry from HSBC. How well can HSBC’s beginner-friendly credit card fare in this HSBC Red Mastercard review? Let’s find out. Table of ContentsHSBC Red Mastercard Key FeaturesWhy Should I Get an HSBC Red Mastercard?What Perks Can I Enjoy with My HSBC Red Mastercard?HSBC Red Mastercard AlternativesFinal Thoughts HSBC Red Mastercard Key Features Before we go any further, let’s first judge the card by its features. And looking at the list below, it’s easy to see why the HSBC Red Mastercard is a popular choice. Just look at that low annual fee and annual income requirement. Annual fee: PHP 1,500 (free on the first year) Interest rate: 3.50% Minimum monthly income requirement: PHP 16,667 Cash advance fee: 3% of amount or PHP 500, whichever is higher Late payment fee: PHP 700 or unpaid minimum amount due, whichever is lower Overlimit fee: PHP 500 Foreign transaction fee: 2.5% of the converted sum plus reimbursement of the assessment fee charged by Visa/MasterCard to HSBC equivalent to 1% of the converted sum Card replacement fee: PHP 400 Why Should I Get an HSBC Red Mastercard? So what do you get for a seemingly affordable credit card? Two words: accelerated rewards. For every PHP 20 spend on qualified spend categories, you earn four (4) bonus points. What are these qualified spend categories, you ask? They just happen to be the four that matter: dining, shopping, overseas, and online…

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10 Best Productivity Apps to Keep Your Mojo Going Even at Home

Finding it hard to be productive at home? Whether it’s for work or school, finishing tasks may not be as fun as scrolling through your social media feed. Good thing you can easily download productivity apps right from your mobile phone. In a twisted sense of irony, your smartphone or tablet can both help and distract you from being productive. It goes to show that it’s never about the technology, it’s how you use them to your advantage. Here are the productivity apps you should consider adding to your setup. Table of Contents10 Productivity Apps to Check OutAdobe Acrobat ReaderAny.doEvernoteForestHabiticaNotionPocketTodoistTogglTrelloFinal Thoughts 10 Productivity Apps to Check Out Adobe Acrobat Reader Platforms: iOS, Android Price: Free Dealing with a lot of documents? Cut your efforts down by going digital. Now you might think it’ll be hard to take note or highlight a PDF file. That’s where Adobe Acrobat Reader comes in. The app can open a wide range of document file extensions with ease. You can view your document, zoom in or zoom out, highlight text, sign and apply digital signatures, and other advanced functions. You can also use your device as a scanner to convert printed text to PDF. If you sign up for an Adobe account, you get 2GB cloud storage, more than enough to access documents wherever. And the best part, it’s free! You don’t need to have an active Adobe subscription to access the app’s useful features. The fact that it’s compatible with any device makes Acrobat Reader a solid choice. Any.do Platforms: iOS, Android Price: Free/Premium…

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Financial Gaps Filipinos are Starting to Discover in 2020

By now, everyone has accepted the pandemic as part of everyday life. Some of you may have adjusted already, while others are still struggling. While public health is a great concern, financial gaps are also one thing COVID-19 exposed during this entire ordeal. And as part of your self-reflection, it’s only fair to look back and see what financial gaps you need to improve on to survive the new normal. Here are some of them to help you get started. Table of ContentsLack of SavingsNot Investing EnoughLack of Passive IncomeNot Investing on HealthNot Learning New SkillsFinal Thoughts Lack of Savings Even before the pandemic, Filipinos aren’t known as the biggest savers. Just ask the 2019 Manulife Investor Sentiment Index (MISI) that found Filipinos keep only 3.6 months’ worth of income for retirement[1]. After all, who has a clear foresight of how they want to spend their golden years? Then the pandemic came and made everyone realize the importance of saving. Having no retirement plan is one of the financial gaps that is understandable to some extent. But COVID-19 woke everyone up to the reality that the future really is uncertain. That’s why everyone should start thinking about investing for their future selves. Maybe start with starting an emergency fund or a time deposit? If no one has told you yet: Start saving now! Not Investing Enough Investments, what are thou? It seems that a lot of Filipinos are already aware of the importance of having investments. But before the pandemic, people couldn’t be bothered with it. Yes, that included me,…

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Unit Investment Trust Fund: What Is It and How Do I Invest?

More Filipinos are trying their luck in investment, according to a study conducted by Sun Life Asset Management Co. Inc. [1]. As compared to businesses like renting out a property that demands a larger capital, investments like a unit investment trust fund allows you to earn passive income even with small capital. Interested to know more about UITF? Learn all about it in this article and how it can jump start your investment journey. Table of ContentsWhat is Unit Investment Trust Fund?Different Types of UITFs in the PhilippinesMoney Market FundsBondsBalanced FundsStocks or EquitiesHow do I earn from UITF?Pros and Cons of Investing in UITFIs UITF the right investment for me?How to Invest in UITFFees and Charges InvolvedWhat is NAVPU?Formula to get NAVPUHow to compute UITF earnings?Final Thoughts What is Unit Investment Trust Fund? UITF is a pool of investments funded by various investors. You can think of it as a basket with different fruits — one basket may contain mangoes, the other with pineapples, and a third basket contains a combination of two fruits. In the case of a trust fund, various holdings, instead of fruits, make up the investment. As with a fruit basket wherein you can decide which fruits to buy, professional fund managers handle and manage the holdings of UITFs. Since these professionals actively manage the fund, once you have set them up, you can sit back, relax, and make your money work for you. Different Types of UITFs in the Philippines There are four kinds of UITFs in the Philippines. Familiarize yourself with them below. Money Market Funds…

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What is the Best Credit Card to Pay Bills in the Philippines?

Using a credit card is one of the most convenient and safest ways to pay bills. It spares you the hassle of lining up at malls and remittance centers and paying in cash or check. Instead, you can make utility payments online with your card at home. When you pay bills with a credit card, you can track your expenses more easily. You can just view your card’s billing statement to check if all your bills for the month are settled. What’s the best credit card to pay bills, you might ask. It’s the one that provides maximum savings and convenience when used to pay for electricity, water, mobile postpaid, internet, cable, and other utilities. Keep reading to learn more about the best credit cards to pay utility bills in the Philippines. Read More: A Guide to Paying Electricity Bills with Meralco Online Simple Steps to Check and Pay for Your Maynilad Water Bill Online Table of ContentsWhat to Consider When Choosing the Best Credit Card to Pay BillsCashback or Rewards for Bills PaymentAutomatic Payment FeatureBest Credit Cards to Pay Bills in the PhilippinesSecurity Bank Complete Cashback MastercardCiti Cash BackUnionBank Gold MastercardMetrobank Rewards Plus VisaHSBC Red MastercardCiti Rewards MastercardRCBC Flex Gold VisaWhat is the Best Credit Card for Utilities?How to Pay Bills with a Credit Card OnlineFinal Thoughts What to Consider When Choosing the Best Credit Card to Pay Bills Cashback or Rewards for Bills Payment Do I get cashback for paying bills?You might be wondering if you’ll be rewarded for using a credit card to pay bills. Well, it…

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DTI Loans for Businesses: How to Apply for P3 Program and CARES

The COVID-19 pandemic has forced 26% of businesses in the country to stop operations[1]. Some even permanently closed their doors to customers. The Department of Trade and Industry (DTI) and Small Business Corp. (SBC) launched the COVID-19 Assistance to Restart Enterprises (CARES) Program. SBC Cares Program aims to help entrepreneurs get back on their feet. CARES offers DTI loans of up to PHP 500,000, and is part DTI’s Pondo sa Pagbabago at Pag-Asenso also known as P3 Program, first launched in 2017. The P3 and CARES programs are quite similar. However, CARES Program specifically accommodates entrepreneurs whose businesses were affected by the lockdown. Keep on reading to know more about these types of DTI loans and if you should apply for the CARES or P3 program. Read more: Reopening Your Business? Guidelines and Tips for Resuming Your Operations Table of ContentsWhat is the DTI P3 Program?How much can I loan from the P3 Program?P3 Program Qualifications and RequirementsWhere can I apply for the DTI P3 Program?What is the CARES Program under DTI Loans?How much can I loan from DTI Cares?DTI Cares Qualifications and RequirementsAdditional requirements needed for CARESHow can I apply for the DTI CARES Program?Accredited Financial Institutions for DTI P3 and CARES ProgramsFinal Thoughts What is the DTI P3 Program? DTI launched the Pondo sa Pagbabago at Pag-Asenso or P3 program in 2017, starting with a PHP 1 billion budget. The program aims to discourage underprivileged business owners from borrowing money from loan sharks[2]. DTI partnered with SBC to lend loans from customers from the country’s top 30 poorest provinces….

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ShopeePay Guide for First-Time Users

The concept of shopping at Shopee is already convenient as it is. You order from an online store, you pay, and they deliver it to you. Easy! However, we’re in the new normal where contactless payments are encouraged. Shopee’s answer to that? More convenience, thanks to ShopeePay. Shopee’s new mobile wallet adds to the extensive list of convenient payment options in the Philippines. Aside from encouraging minimal contact, it’s also a convenient way to pay for your Shopee purchases. Find out more about how to use the mobile wallet in this guide. Table of ContentsWhat is ShopeePay?What Can I Do with It?ShopeePay vs. Shopee WalletShopeePay Transaction LimitsHow to Activate ShopeePayHow to Verify Your ShopeePay AccountHow to Top Up Your ShopeePaye-Wallet OptionsOnline Banking OptionsPayment Center OptionsOver-the-Counter (OTC) OptionsHow to Pay Using ShopeePayHow to Transfer Money with ShopeePayHow to Withdraw Money with ShopeePayFinal Thoughts What is ShopeePay? ShopeePay is Shopee’s mobile wallet regulated by the Banko Sentral ng Pilipinas (BSP). It’s the rebranded version of their initial attempt at entering the mobile wallet market, only with more useful features for shoppers and sellers alike. What Can I Do with It? If you’re an avid Shopee shopper, ShopeePay is definitely a must-have. Here are just some of the things you can do with your newly-minted mobile wallet. Convenient shopping. As a way to encourage contactless payments, the mobile wallet aims to provide a more seamless shopping experience to online shoppers. Online security features. You can set up a passcode to lock your wallet or use your fingerprint to access and verify your purchases….

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Fast Food Delivery in GCQ: What Restaurants are Open?

Fast food delivery is, fortunately, one of the few things we still get to enjoy even in the wake of the COVID-19 pandemic. Although preparing your meals at home is cheaper and healthier, you just have to order your fast food favorites when you’re too busy or lazy to cook. Need a quick work-from-home meal as you’re rushing to meet deadlines? Want to treat yourself on your cheat day? Craving some comfort food? Simply order food from the restaurant and have it delivered to you. It’s more convenient and safer than dine-in and takeout. Good news for early birds, night owls, and those with late-night food cravings: the 24/7 delivery services of fast food chains are back in Metro Manila under the general community quarantine or GCQ. Do you live in a GCQ or MGCQ area? Take your pick from these delivery options from the top fast food chains in the Philippines[1]. Table of ContentsFast Food Delivery Services in GCQ and MGCQJollibeeMcDonald’sKFCChowkingMang InasalGreenwichShakey’sPizza HutBurger King7 Tips for Fast Food Delivery in GCQ1. Limit Your Physical Contact2. Discard the Packaging Immediately3. Provide Clear Delivery Instructions4. Don’t Order at the Last Minute5. Avoid Booking During Peak Times6. Choose the Best Fast Food Delivery Service7. Take Advantage of Fast Food Delivery PromosFinal Thoughts Fast Food Delivery Services in GCQ and MGCQ Jollibee Delivery hours: 7 a.m. to 9 p.m. How to order:  Jollibee Delivery hotline: #87000 Website: www.jollibeedelivery.com (for orders worth PHP 3,300 and below) Jollibee official app Food delivery apps: GrabFood, Foodpanda, LalaFood Minimum food purchase: PHP 200 Payment options: Cash, credit/debit cards (through…

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From Payment to Eviction: Tenant’s Guide to Rental Laws in the Philippines

I can’t pay my rent because I’ve lost my job. Can I be evicted? Rental law questions in the Philippines during the COVID-19 crisis are usually about eviction. As more families have lost their income due to the lockdown, the fear of losing one’s home becomes real. Small businesses are also struggling with their rental payments after being closed throughout the enhanced community quarantine (ECQ). Disagreements between landlords and tenants have been common even before the pandemic broke out—the current crisis has made them worse. If you’re in such a situation, it helps to know that rental laws in the Philippines exist to protect your rights as a tenant. Table of ContentsRental Law Philippines: What You Need to KnowRent Control Act in the PhilippinesCivil Code of the PhilippinesWhat are the Rights of a Tenant in the Philippines?1. Limit on Rent Increases2. No Charging of Excessive Deposit and Advance Rent3. No Eviction Without Legal GroundWhen Can a Tenant be Evicted in the Philippines?When is Eviction Illegal?1. Sale or mortgage of the property2. If you’re a COVID-19 patient or frontliner3. Failure to pay rent and other reasons during the quarantine period and grace periodWhat Should I Do If My Tenant Rights are Violated?Final Thoughts Rental Law Philippines: What You Need to Know Two laws regulate residential and commercial leases in the Philippines: the Rent Control Act and the Civil Code. Here are the key differences between the two rental laws in the Philippines. Rent Control Act in the Philippines Republic Act 9653[1], better known as the Rent Control Act of 2009, is the…

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Need a Card? Here’s a Guide to Credit Card Online Application

The number of credit cardholders in the Philippines increased from 7.5 million in 2013 to 9 million in 2018[1]. Apart from the different credit card types and perks offered by banks, the convenience brought by a credit card online application may have also played a part in the increase. Traditionally, you need to head down your bank’s nearest branch to apply for a credit card. You would have to wait in line for your turn to submit your requirements and wait for approval, which can be time-consuming. Thanks to modern technology, long queues for credit card applications have become a thing of the past. Online application allows potential customers to apply for a card at the comforts of their homes. Table of ContentsWhy You Should Apply for a Credit Card OnlineConvenienceAccess to a wide range of credit card productsShorter processing timeSafer application processWhat to Do Before Applying for a Credit Card OnlineIdentify your needsKnow the different types of credit cardsDon’t rush itCheck the requirementsCredit Card Online Application Basic RequirementsHow to Apply for a Credit Card OnlineUsing Your Credit Card ResponsiblyPay your bills in timeSpend what you can affordTrack your spendingCheck your credit card statementFinal Thoughts Why You Should Apply for a Credit Card Online A credit card online application offers various advantages compared to its traditional counterpart. Here are some of them: Convenience This is probably the number one reason why more and more people prefer online credit card applications. You don’t have to spend time going to your preferred bank’s nearest branch and wait in line. There is no extra…

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Mental Illness in the Philippines: Cost of Therapy and Medication

Mental health is a growing concern in the Philippines. According to the Department of Health (DOH), at least 19 million Filipinos experience psychiatric problems[1], with schizophrenia as the top mental issue. Suicide caused by mental illnesses is a pressing issue as well–at least three men and two women commit suicide for ever 100,000 Filipinos. Apart from the stigma surrounding mental health, the cost of therapy is also quite steep, with one therapy session costing up to PHP 4,500 in Metro Manila. “We need to start talking about depression to end the stigma surrounding mental health because, when left unattended, it can lead to suicide,” the DOH said in a statement[2] released late last year. Mental health affects everyone: rich and poor, celebrities and laypeople, children and adults alike. In this article, we listed down resources and institutions where you can get help for you or your loved ones suffering from mental illness. Table of ContentsBreaking the Stigma of Mental HealthTreatment Facilities for Mental IllnessGetting Professional Help: How Much is Therapy in the Philippines?How Much Does it Cost to See a Psychiatrist?PhilHealth and Insurance Coverage for Mental IllnessMental Health Facilities with Free Therapy and ConsultationsDOH Mental Crisis Hotline:Online Therapy and Mental Health Consultations1. Ateneo Bulatao Center2. Circle of Hope Community Services, Inc.3. DFS Consulting PH 4. Mental Health First Responders (MHFR) 5. Mind Care Club6. Philippine Mental Health Association 7. Prescription Psychiatrists8. Recovery HubMental Health Support Groups and Resources1. Anxiety and Depression Support Philippines (ADS)2. Buhay Movement3. Coalescent Foundation4. Mental Health and Psychosocial Support, Philippines (MHPSS) 5. National Alliance on Mental Health (NAMI) 6. Philippine…

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