All Articles With Category : Lifestyle

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

Should You Lend Money to Friends?

The short answer is “Yes, if you can.” However, be mindful of the following consequences. When a friend or a family member needs to borrow money from you, the feeling can be overwhelming especially if you know that you can help. But if things do not go as planned; payments are delayed and when you simply cannot get your money back, your relationship with that person might be at risk. Lending money to friends can be unmanageable and cumbersome. If they come to you now to borrow money, here’s what you should do: Table of ContentsAsk if they need your helpOffer alternativesBe mutually clear about your termsUse your head – and your heartDon’t let others knowThink of it as a gift Ask if they need your help It took them a lot of pride to come to you even if you’re friends and related to each other. It will take them even more pride to ask. You don’t like more of that so take the chance to ask what they need. Be sure that there is a sense of necessity and urgency in the situation. Offer alternatives As much as possible, don’t lend money. Instead, come up with a great alternative like a legwork to something or some groceries, depending on what they need. You can also provide them with income generating opportunities that you know of. Explain the burden of having a loan. Be mutually clear about your terms Now, if you’re left with no other choice but to lend, treat it as a formal business transaction. Do not…

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Recto’s Bill Seeks Free Wi-Fi Access in the Metro

  Senate President Pro Tempore Ralph Recto proposes Senate Bill No. 2232 or the “Free Metro Manila Wifi Act of 2014″ a free public Wi-Fi in all government buildings and parks, national roads, tollways and expressways, public transport terminals and mass rail transit stations in Metro Manila. The Senate bill seeks to direct the Information and Communications Technology Office under the Department of Science and Technology to ensure free Wi-Fi service in the country’s capital region “to build an innovative, progressive, and rapidly digitizing economy.” “Connectivity to the Internet will enhance business growth opportunities and will assure citizens in NCR ease of sourcing timely information at the click of a button,” Recto said. It also gives more opportunities to the under-privileged in terms of technology to access more information they need. Proposed Areas with Wi-Fi Access: All national and local government offices Public health services and hospitals Public elementary and high schools, and state colleges and universities Ninoy Aquino International Airport (Terminals I, II, III and IV) Public libraries Tollways and expressways Epifanio de los Santos Avenue (EDSA) and other national roads Public transport terminals Port of Manila Mass rail transit stations (LRT Line 1, MRT Line 2, MRT Line 3, and PNR south rail) The bill also wants to tap the existing commercial Internet service providers to provide the free public Wi-Fi for the meantime until a national broadband system is installed. What are your thoughts about this? Do you think this bill is possible in the Metro? Are you going to benefit from it?

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Avoid Overspending While Traveling With These Tips

When traveling, one must expect to spend a lot of money. Even if a budget is set, there are still many little things travelers are tempted to splurge on, including pasalubong, lavish dinners, and outdoor activities. Don’t let this be the case this season. Travel and stick to your budget to avoid debt and other financial problems. Here are some ways to avoid overspending during your travels. Table of Contents1. Transportation2. Accommodation3. Food and Drinks4. ActivitiesFinal Thoughts 1. Transportation If you’re booking a flight, whether for local or domestic, make sure that you book ahead of time. Most ticket prices can go really high, especially if the booking date is only a few weeks before the travel date. If you have a credit card, take advantage of air miles because you might possibly get a free ticket to your choice destination. Also, it’s always wise to sign up for loyalty programs to know about the latest deals and discounts of your preferred airline. Wherever you’re going, always research on modes of transportation. Of course, commuting or taking public rides is definitely the cheapest way to go around, but renting a car or a van may also be a good idea, especially if you’re with a large group. Compare the cost of commuting and renting a vehicle to know which is more practical. 2. Accommodation Most travelers make the mistake of spending a lot of money on accommodation. While choosing the best place to stay is really a no-brainer, five-, six-, or even seven-star hotels are not your only options. Unless…

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CCAP offers online shopping security tips

Amid increasing popularity of online selling and shopping in the country, the Credit Card Association of the Philippines (CCAP) has urged the public to be extra vigilant when transacting online. Alex Ilagan, CCAP executive director and spokesperson said consumers have to be smart when shopping online, aware about the whole purchasing process, know who they are dealing with, and assured their account and credit card details are being dealt with safely. Ilagan explained online shopping is certainly here to stay, and online security continues to become advance, but the use of common sense and knowledge about buying process will ensure online shopping is as safe as possible. Table of ContentsSafety starts with the basics and good judgmentDealing with disputesCaution should be extended to emails Safety starts with the basics and good judgment “Basic, before you type your card details into a website, ensure that the site is secure. Look out for a small padlock symbol in the address bar (or elsewhere in your browser window) and a web address beginning with https://,” Ilagan said. To further bolster online security, CCAP revealed most of the issuing and acquiring banks today now have a system capable of monitoring online usages and flag/alert suspicious transactions, while others issue a separate credit card with lower limit specifically for internet usage. Likewise, a number of issuing banks have a one-time or static password requirement on top of the credit card number, expiry date and card validation code as added security, while some acquiring banks would require their own acquiring system and their merchants be on…

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Roam & Roar in Singapore

(Click image for a full-screen version of the infographic.) Immerse yourself in a land that boasts of many colors, with prominent influences from the Chinese, Malay, and Indian cultures. Explore Singapore for 3 days and 2 nights for as low as Php9,575 or Php 797.92 per month for 12 months using your Metrobank credit card. Singapore, also called the Lion City, Little Red Dot, and the City in a Garden, is 1,486 miles away or approximately 4 hours away by plane from Manila. It is made up of 63 beautiful islands. Undoubtedly, the most popular is Sentosa Island where tourists can easily switch from a nature trip to a luxury shopping spree. Visit Marina Bay Sands, the first integrated resort in Singapore and the world’s most expensive building, which is reportedly worth US$5.7 billion. Across the resort is Singapore’s national symbol, the Merlion, overlooking the three towers of Marina Bay Sands. The merlion is a mythical creature with the head of a lion and the body of a fish. Head with the whole family to Resorts World and take that obligatory photo with the Universal Globe at Universal Studios. Then, muster all the courage you can find before riding the Battlestar Galactica. When you feel like binge eating, go to the hawker center and order the Chicken Rice which is considered the national dish of Singapore. It is steamed or boiled chicken on top of fragrant, oily rice and serviced with sliced cucumber. If you are particularly searching for the best chicken rice, the legendary Tian Tian Hainanese Chicken Rice…

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Summer Wardrobe for Under PHP 1,000

Summer is the best season to have fun under the sun! Before you head on to the beach and flaunt your curves, you might want to re-evaluate your wardrobe first, if you have the right outfit for this season. Read more: 7 Surprising Ways to Save Money on Clothing Want to look fabulous this summer? Update your wardrobe with summer-themed clothing items. However, this can be a problem especially if you don’t have the budget for clothes shopping. Don’t worry, here are some helpful tips on how to get summer wardrobe for under PHP 1000. Table of Contents1000-peso ChallengeUkay Okay!Tiangge FashionDepartment storesOnline shops 1000-peso Challenge Some people do not agree with 1000 pesos as an ideal budget for shopping. It might seem small but you just need to be resourceful on how to find the right clothing item and where to find it with a discounted price. Listed below are the places where you can go to find the best low-priced summer fashion: Ukay Okay! Ukay-ukay or second-hand apparel store is one of the popular shops in the metro where you can find low-priced clothing items. The name came from the Tagalog word “Halukay” which means ‘to dig-up’. This type of store started in the summer capital of the Philippines—Baguio City. What’s good with the products from ukay-ukay are the imported clothing items like jackets, shirts, sweaters, shirts, and other ready-to-wear (RTW) items. They also sell bags, shoes, and accessories. Save 50 to 80 percent by purchases stuff from this store. Ukay-Ukay is patronised not just by ordinary people, but also…

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Best Mother’s Day Gift Ideas

On Sunday, May 11 this year, people all over the world rejoice to one of the most celebrated holidays of the year – Mother’s Day.. Every day could be mother’s day for some, but it’s nice that you devote a little time and effort on this day to be with your all-time protector, care-giver, #1 fan and everything wonderful – your Mom. All of us may not be mothers (yet), but all of us, of all ages, are our Mom’s forever kids. There are different ways to celebrate mother’s day by making her extra pampered. What else do you think will make her happy on her special day? Our moms definitely deserve only the best; here are some gifts you could give them on their special day: Table of ContentsFlowersDine outPerfumeMom-and-me PhotoSalon & SpaJewelryTravel Flowers Some women don’t like flowers because they wither, but most girls definitely love the idea of receiving it. Take it from the florist who makes big sale on Valentine’s and Mother’s Day. Surprise your momma even with a piece of flower, or if you feel like it, a bouquet. If you’re going to buy days ahead, make sure that a source of water is available. If you’re not a hiding expert, however, have it (signed, sealed) delivered in the morning of Mother’s Day. Dine out Don’t let her cook, instead, treat her to a place where she will surely enjoy the food. Some hotels and restaurants in the Metro offer big discounts to moms and almost all credit card holders. For sure, this day will…

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Get a Summer Makeover for Under PHP 1,000

Can you feel the heat? It’s a great time to take a dip in the pool or have a fun getaway to the beach. Summer is also the time to have a makeover. Whether you’re a student, working girl, or even a mom, there’s a simple reason why you’ll need a makeover—and that is: to feel and look better. Read More: Fun Summer “Jobs” for Your Kids People will surely turn their head on you when you pass by them. Changing your looks will surely boost your confidence. Here are ways to get a summer makeover for just 1000 pesos or less: Table of ContentsEnroll in an inexpensive gymChange Your HairdoTry a new lip colourBuy new clothes Enroll in an inexpensive gym The summer season is the best time to show your curves or flex your muscles. Getting in shape is one of the best summer makeovers you may achieve. Enrolling in an inexpensive gym is similar to signing up for a pricey fitness centre. The facilities and services provided may be different but in terms of getting into shape, it is really up to how you incorporate exercise routine in your schedule and be serious in being fit. Wear your new bikini and flaunt your curves. Make women drool over your sexy abs. Inexpensive gym will only cost 70 to 100 pesos per day. These establishments may not have state-of-the-art gym facilities, but they have the essential equipment you can use to lose weight and tone your muscles. If you’re a guy, you may need weights like barbells and dumbbells…

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Get a Home Makeover for Under PHP 5,000

Every homeowner’s goals is to improve the looks of their home. This is not always the top priority for most people due to a lack of funds for renovation or a home makeover. However, this should not be removed in the list of the things you have to do for your home. Do you want to redecorate the interior or exterior part of your house? If you want to update the style of your home but you just can’t afford one then try these makeover tips that will surely fit your budget: Table of ContentsRe-paintCover the Walls with WallpaperCreate a Zen Area or Redecorate the GardenChange the Lighting of your HomeFinal Thoughts Re-paint Repainting can do the trick if you want to change the setting of a room. Change the colors of any room by using different color tones. There’s an array of paints you can choose ranging from dark to lighter hues. You may base the color of the paint you will be used according to the personality or favorite color of the room owner. Kids will love pastel and lighter tones of pink, blue, violet or green. The cost for this will depend on the brand, color, and size of the paint you will be buying. The price costs start at Php450 to Php1,600 for 16-liter paint. Cover the Walls with Wallpaper Another tip on how to redecorate your interior is to put up wall coverings into your dull-looking walls. There are different ways on how to redesign the walls using this material. One roll may cost more…

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6 Tips for First-Time Job Seekers

After the customary “Congratulations!” on your Graduation day, did you know what the society expects from you next? Earn money and be employed. The pressure will always be there on job seekers but here are tips to make the whole job application process a piece of cake: Table of ContentsCome up with an Impressive RésuméMaximize the Internet connectionExplain your Thought Process on InterviewsDon’t be Late!Be YourselfMaintain Contact Come up with an Impressive Résumé To be impressive, it just has to be specific and direct to the point. Avoid details that are not important to the ones who will read it (the employer). Make sure that all the details are easy to understand. It’s important to include information and details that explain why are you above other candidates. If you have a work experience, place it in reverse chronological order. Prospective employers are more interested on your latest employment. If figures and portfolios are important in your profession, make sure to include links and highlight important numbers. On the other hand, keep your personal statements short. Make your resume free of any spelling and grammatical errors. Keep your text size around 11pt in black, and in an appropriate font like Arial which is easier understand. Don’t choose ‘complicated’ fonts thinking that your resume will stand out, no. Maximize the Internet connection Invest on a stable broadband. Compare all in the market so that you can find which works for you best. Having your own and stable internet at home is not a luxury anymore among Filipino families today, but more of a…

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Personal Financial Statements You Should Keep By Now

One should track down his or her personal financial statements. I have read it in personal finance books and heard it in conferences and seminars. They said those statements serve as tools for you to be able to understand your attitude towards money. They said you needed to understand your behavior towards money so you will know how to control it. I kept on delaying my tracking because I always thought I was too busy or too lazy for it. However, a few months of stuffing my emergency fund and two healthcare payments later, I realized that I was actually doing it. I tracked my daily expenses, my savings, my ATM transfers, my yearly budget and my assets. It was something that started naturally, but not quite instantly. After learning it, I began to see where my money went, how close I am to my goal, how much money I have this month for investing, how much more I need to save for my healthcare dues and so on. I sort of felt a little at ease with my money, knowing that the large portions of my savings went to investments and to my mom’s allowance. However, for a non-accounting person who is quite unsure whether a transaction is a credit or a debit, it would be difficult to go with the usual personal financial statements that we hear of – income statement and balance sheet. If this type of documenting process is tad complicated for you right now, it might just add to the reasons why you wouldn’t create…

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Are You Ready to Buy a House?

Buying a house is never easy. With all the options and factors to consider, investing in your new home should also involve time to dig into details and compare every information that you gather. Here are the questions you should ask yourself: Table of ContentsDo I have the budget?Will I be qualified for a housing loan?Is my chosen locality fit for my lifestyle? Do I have the budget? Money is, of course, the most important thing you should have when you really want to buy a house. You should have the resources at least for your down payment which usually costs at least 10% of the total cost of the property. Acquiring a new place comes with a lot of expenses and fees so you should ensure good money-management skills from this day on. Will I be qualified for a housing loan? The primary requirement is to prove that you have a really consistent cash flow to cover your monthly payments plus other expenses. If you’re going to avail a housing loan, consider these factors: Down payment: The downpayment usually comes with the reservation fee. It is the biggest chunk of your payment because it is usually a one-time payment. It can be a good deal too, because if you’re going to pay for a bigger downpayment, the monthly amortization will be lower than if you pay for fewer down payments. Consider your income when it comes to balancing which is a better option for you. Monthly amortization: After paying the downpayment, you will pay the monthly amortization that depends upon the…

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10 Best-Tasting Meals Under P200 in Makati

How will you survive in the Wall Street of the Philippines? If you only have a meager allowance to get you through the next pay day and you don’t have a credit card to swipe, you’re probably thinking that your only choice is to wake up extra early and prepare the day’s packed lunch. Before you even decide to stock up on your favorite instant meals, here is a shortlist of places that offer cheap, scrumptious, best-tasting meals within Makati’s central business district. You can also check out our list of 10 best eats at BGC for under Php 300. Read More: 10 Best Affordable Buffet Restaurants in Makati Table of Contents10. Family Mart’s Katsudon9. Bugong Roast Chicken’s Roast Chicken Meal8. Commune’s Organic Pinoy Veggie Dishes7. Bellychon’s Cebu Lechon Belly6. Adobo Connection’s Crispy Adobo Flakes5. Warung Indo’s Kwie Tiaw and Ayam Penyet4. Rodic’s Diner’s Famous Tapsilog3. 101 Hawker Food House’s Specialties2. Banapple’s Pasta and Rice Meals1. Jolli Jeep’s Chicken Sisig MealWhere do you go out for lunch? Do you know some more places in Makati for cheap and delicious eats? Comment below! 10. Family Mart’s Katsudon Don’t have enough time for lunch? Family Mart’s grab-and-go Katsudon meal is too hard to pass up! It’s like your normal Katsudon in a Japanese restaurant for a cheaper price. The sushi tray is also worth-trying. Budget: Php125.00 for Katsudon, Php99.00 for Sushi Tray Locations: Glorietta, Glorietta 5, Alco Bldg., Dela Rosa 1, Alphaland, The Grand Midori, Global Enterprise, Makati Bel-Air, Dela Rosa Carpark 3rd Level, One Central, Beneficial Life, Park Square 9. Bugong Roast…

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7 Travel Tips for Couples

There’s just a different feel when you travel with your partner.  It’s such a whole new level in your relationship when you experience things and places together. For sure, it will be a truly memorable experience but, you two should consider a lot of things to make it worthwhile. If budget is not an issue or you think you can always maximize your credit card to finance your trip, there is a lot more to think about. Here are valuable travel tips for couples. Table of ContentsPlan togetherGo back to places you loveMake sure you have fundsBe yourselvesMake time for romanceSchedule some alone timeManage stress Plan together Good planning is vital as it leads to more time of having fun and less chance of hassle and overspending. Plan together to minimize the conflict of one may not enjoy the activities as much as the other that can be a potential root of your rift. You don’t want to ruin your getaway, right? Make a list of what you two like to do together and individually, if there’a big difference, one should compromise. Take advantage of the planning stage because it’s a good way to know your partner better.  Go back to places you love Don’t worry about going back to places you both enjoy instead of going somewhere new. It can reduce the stress levels as you are more familiar with the place and it feels home on the road. Make sure you have funds It makes sense to keep a credit card or cash in your pocket just in case….

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How to Survive Summer Without an Allowance

Summer is here! After experiencing two full months of cold days and freezing nights in the Philippines, who’s not excited to hit the beach and bathe under the scorching sun? While almost everyone is busy calling their friends and planning vacation itineraries, it’s not that simple for everyone to commit to an out-of-town or out-of-the-country trip. Who doesn’t need money for fun? Students get the biggest slice of the pie when it comes to having a longer summer. However, students are also the ones who have minimal financial capacity because there’s no source of income. Asking mom or dad to fund an eco-trip to the Underground River in Palawan or a sleepless weekend in Boracay might happen unless your parents have already entrusted you with a supplementary credit card. But that’s just one weekend out of at least two and a half months of summer vacation if your next school year will start in June. What can you do to survive the summer season without cash? Table of ContentsGet a summer jobSell your old stuffSet up a small business in your neighborhoodLessen out-of-town trips and do more house partiesMake it a family affairFinal Thoughts Get a summer job Getting a summer job will not only help fund your much-awaited weekend in paradise. It will also give you an edge in terms of learning how to survive in the real world. Leveraging your skills while you are young is a great step to building the groundwork for your career. Ask around for any vacancies. Spend a few hours searching the web, but make…

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5 Hottest Home-Based Jobs This Summer

The summer season is fast approaching. Before you splurge on your scheduled summer getaway, make sure you have enough budget for it. If you’re still financially dependent on your parents, the thought that instantly pops out to your head is: “No allowance this summer. What shall I do?” If you’re already working, increasing the channels of your income is a good tactic. One way is to go is to apply for a part-time job. It will be a lot easier and better if you find a home-based one. A part-time job in the comfort of your home for summer sounds like a wise move. You are most probably sitting the whole weekend in front of your computer, so you can maximize your internet and computer use while earning. Be sure you have a stable internet since most of your work will be dependent on it. To start, find the best broadband deal that is suitable for your needs and budget and you’re good to go. Table of ContentsTop Home-Based JobsVirtual AssistantsESL TeacherData EntryGraphic DesignerWriter/Editor Top Home-Based Jobs Virtual Assistants Approx. Pay: Php125 – Php300 / hour If you’re up for a customer service experience, this fits you best and the most exciting part of it is that you’ll be working at home. This job requires you to assist a certain company’s customers. If it’s a bank, you will receive or make calls with their customers. Some are much easier as they only require word processing skills because the job is non-voice, but of course, with lower pay. Since you’ll be working…

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7 Stylish and Affordable Home Makeover Ideas

  Skimming through the glossy pages of a lifestyle magazine, you might be wondering how lovely it would be to own someone else’s house. Let’s all admit it. Every glorious detail that we put into our homes eventually becomes old and stale, and no matter what furniture we add just doesn’t make it better. Read More: Get a Home Makeover for Under PHP 5,000 You don’t need to spend millions on an upgrade. While it’s summer, homeowners can reinvent their private lairs by getting new paint or wallpaper, remodeling bedrooms, and kitchens, or finally updating your backyard with a star-gazing deck. Here are some ideas on how to jazz up your house: Table of ContentsBedroomBathroomLiving RoomClosetKitchenDining RoomDeck Bedroom When renovating your bedroom, you can go for a neutral paint or wallpaper so you won’t find it hard to buy furniture and beddings. Remember that your bedroom is the place where you get the most relaxation. Instead of going grand, create a concept that is homey and modern. Invest in a good bed or mattress, pillows, bedside tables and lamps, and a pair of cushioned seats at the foot or the side of the bed. If you think that your wall is missing something, get a wall art or a painting. Bathroom It’s time to put your pail and ladder to rest. Invest in a good rain shower head for your ensuite bathroom. To make your bathroom look huge, install big mirrors to create an optical illusion. Living Room How about a sunken area for you and your guests? While it can…

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Aiza Coronado: 7 Budget Travel Tips

“Take vacations. Go as many places as you can. You can always make money. You can’t always make memories.” I saw this posted in a Filipino investors’ Facebook group, and it really caught my attention because I kind of agree and disagree. The person who posted it also remarked on the financial sustainability of this kind of thinking. As a new associate financial planner, I can’t help but comment on the issue raised. Travelling is equivalent to discovering the beauty that God has made for us to enjoy. Travelling is not a financial sin; luxury traveling is when you can’t afford it. We are only passers-by on earth, so we might as well enjoy the world – without blowing our budget in that case. On the subject of travelling and finances, I always believe in being an “Ultimate”. An Ultimate is the one who invests and who enjoys life at the same time. A Sacrificer is the one who misses everything and places all his money on investments instead. read more: Travel Essentials You Often Waste a Lot of Money On When it comes to financial planning, a person should know what his or her priorities are before anything else. This will guide him or her in the whole process. But as an Ultimate who encourages people to take care of their finances while enjoying life, here are my tips on how to save money even when travelling out of the country. Table of ContentsPlan your luggageDon’t go heavy on the pasalubongsAlways ask for tax-free shopping  formsRent a carLeave your postpaids…

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Fair Use Policy: Nay or Aye?

Filipinos are one of the most active Internet users in the world. Unsurprisingly, when the Fair Use Policy (FUP) was implemented by TelCo giants Smart and Globe, a large number of consumers expressed dismay. Violent reactions on Facebook and blogs, hate tweets, and internet speed screenshots are everywhere! Read More:How to Conserve Your Internet Data Bandwidth Usage Table of Contents“Caps Lock”Globe vs. Smart on Data CapA Hindrance to Innovation?Technological DisparityOption for Options? “Caps Lock” If you don’t get their ranting, here are simpler terms for the non-techies: Fair Use Policy is the regulation intended to control the subscribers’ usage to ensure the equal distribution of service. Data Caps or bandwidth/broadband capping is the method used in FUP by the Internet Service Provders (ISPs), network service providers and telecoms. These institutions take the control on the data usage. Throttling is the process where the amount of data sent and received on a given channel or bandwidth is lessened. Data capping per se is really not bad. Some countries in the world even implement their own FUP. But unfortunately, the implementation here in the Philippines punishes both the innocent and the abusive users. Heavy users are just 3% of the total data subscribers but according to Globe, they can contribute to degradation of the network performance during peak hours. Globe vs. Smart on Data Cap Globe implemented a daily limit of 1 gigabyte (GB) per day or 3 GB per month (whichever comes first). On the other hand, Smart limited the daily and monthly usage to 1.5 GB. After hitting the limit,…

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WheninManila.com: Find Tips and Deals in and Around the Metro

Online metro guides have become popular among Filipino netizens in recent years—whether you want to check out which movies are Now Showing, read local reviews about a restaurant you are planning to take someone to on that first date, or find the best place to stay at in one of your travels, these online magazines are extremely helpful—and they are absolutely accessible to everyone, free of charge. WheninManila.com is one of the biggest online guides in the country. It is your go-to resource if you want to know about the latest events, the best places to dine or stay at, and the most beautiful places to visit when you find yourself in the national capital. The award-winning website has hundreds of articles, videos, and stories posted by its growing community of writers, photographers, and videographers, from all over the Philippines and abroad. Launched in 2009 by Vince Golangco as a video blog highlighting events and lifestyle trends in and around the metro, the site kicked off with a staff of four, including two videographers and a webmaster. The team then started producing more written content and was since able to acquire a huge following to become the third-largest metro guide in the country, as ranked by Alexa. WheninManila.com is certainly poised to become the biggest online metro magazine. It now boasts of 200 regular contributors regularly sharing their stories related to travel, lifestyle, fashion, art, dining, and current events. The website reports reaching over one million visits a month and an active community of more than 130,000 fans on Facebook. WheninManila has received…

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