All Articles With Category : Lifestyle

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

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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CA Lifts Verdict vs. Neri Over NBN-ZTE deal

The Court of Appeals (CA) has lifted the ‘guilty’ verdict on former Socio-Economic Planning Secretary Romulo Neri for misconduct in the $329-million ZTE-NBN broadband deal, one of the biggest controversies during the Macapagal-Arroyo’s regime. CA denied Neri’s motion for reconsideration, which sought to overturn an earlier CA decision that affirmed with modification an Office of the Ombudsman resolution finding him guilty of grave misconduct.  The CA said Neri failed to raise “any fresh proposition or presented new evidence which would warrant a modification or reversal thereof. Thus, to discuss again its ratio decidendi would be to belabor the issues without end.” In denying Neri’s reconsideration bid, the CA said: “From the foregoing, it is apparent that the arguments raised by the parties in their respective motions for reconsideration had been exhaustively considered and duly adjudicated by this court in the formulation of the assailed decision.” While at the final level of CA, Neri can still elevate the cast to the Supreme Court level. Neri was the one who recommended the approval of the national broadband network deal with Chinese firm ZTE Corp. in 2007 despite the bribery allegations of the project. What do you think will happen to the overall internet connection in the country, just in case this broadband deal happened?

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PLDT, Globe appeal NTC order for P6.5B refund

PLDT and Globe questioned on Sunday the legality of the National Telecommunications Commission’s (NTC) order for telecom providers to return P6.5 billion to mobile users for text overcharges during the last two and a half years. PLDT and Globe are reported to be studying its legal options, including escalating the case to the Court of Appeals, to halt NTC from implementing the order for refund and lower SMS rates. PLDT Spokesperson Ramon Isberto commented, “As the NTC officials have pointed out, the order is still subject to appeal. Therefore, it cannot be implemented yet.” Recently, the Commission stated that it is anticipating a legal action from telecom providers with decreasing profits from text and call charges. The release of mobile applications such as WhatsApp, Viber, and WeChat are reported to have primarily affected the margins of telecom companies since its paid offerings are competing with similar services that are free. Earlier this week, NTC ordered Globe Telecom, Smart Communications, and Sun Cellular to cut their short message service (SMS) rate to other networks by 20% from P1.00 to P0.80. According to the NTC, the excess charge of P0.20 should be refunded to subscribers. Edgardo V. Cabarios, NTC Regulation for Legal Branch, stated, “The total amount depends on their reports that would show the official number of off-net texts. When you compute for the amount, you multiply 40 million off-net texts by 20 centavos then multiply the amount by 880 days (since December 2011), you will get almost P7.0 billion refund.” Non-compliance from the telecom providers will result to a fine…

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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. 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 be a busy day for most restos, so try to book ahead of time. Inquire today or regret. Perfume Beauty products are surely on sale during this season, but, we say perfumes are the sweetest to give. They say “Women love perfumes as men love cars”,…

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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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Top 5 Ways to Celebrate Labor Day Weekend

Labor Day is one special break that all workers need as reinforcement for their social and economic achievements and contributions. If you’re one of the 38.5 million Filipinos who are looking for ways on how to reward yourselves for working (and enduring tax cuts) all year round, here are some ways on how you can spend Labor Day 2014: LABORacay Weekend There’s no better way to honor yourself on the first of May than to party all weekend in Boracay. It’s double the fun as you celebrate Labor Day and summer through the hottest events in the island that will run from May 1, 2014 to May 4, 2014. Get sunkissed at Pearl of the Pacific and party the night away during the Sonic Carnival or get on board at Nestea Beach 2014’s Oyster Ferry Welcome Aboard Party and Tides Roofdeck Pool Plunge Party on May 1. Cruise to the sound of DJ Callum, Marc Marasigan, and The Zombettes at the Nestea Yacht Party or foam up at Sun Dazed 2014 on May 2. Continue the party at the White House Beach Resort for the Spectrum Labor Day Weekend or at Boracay Uptown for BigFish’s Summer Mayhem. Manila’s Republiq Club is hosting The Wet Weekender Party featuring Cedric Gervais and Steve Aoki while Globe is mounting Tattoo Labor Day Weekend 2014 at Club Epic. End your Labor Day weekend with Sun Dazed 2014 Aboard the Mellow Yellow Cruise and El Hombre’s Summer Hangover 2014. It’s the best LaBoracay weekend to date! Mall Sale It’s time to shop for the best…

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Bam Aquino Seeks Probe on Slow, Expensive PH Internet

Senator Bam Aquino wants to seek for an investigation over the slow internet connection in the country and why other Asian nations enjoy faster but cheaper Internet speed[1]. He said wants to know if Pinoys are getting their money’s worth being provided by local TelCos. According to an infographic by ASEAN DNA, Philippines has the slowest internet in Asia with an average speed of 3.6Mbps. PH lags behind Laos (4.0 Mbps), Indonesia (4.1 Mbps), Myanmar and Brunei (4.9 Mbps), Malaysia (5.5 Mbps) and Cambodia (5.7 Mbps). Singapore topped the list with an average speed of 60Mbps. Despite this, Internet subscription in the country has been expensive. Bam Aquino said the National Telecommunications Commission (NTC) owes the country a “logical and clear explanation on this.” He added that a Senate probe should find ways on how to improve the country’s poor Internet connection. The 36-year old senator pointed out that on the average, local consumers spend around P1,000 a month for Internet service with speeds of up to two megabytes per second (2Mbps) or about P2,000 for up to five MBPS (5Mbps). TelCos in Singapore, which has the highest average internet speed, offers SGD36.90 or PHP1,312 per month for 15Mbps Internet Speed. “This is expensive compared to Singapore and Thailand where we can find some of the fastest Internet connections in the world,” Aquino said. How long do you think will the country wait for the action plan? People who read this also liked: Philippines Grabs 38th Spot in 2013 Web Index Nielsen: Internet Penetration in the PH doubled Sources: [1] Average internet connection speed in selected Asia…

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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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s̄wạs̄dī, Thailand Travel Promo

(Click image for a full-screen version of the infographic.) Experience Amazing Thailand with an exclusive travel promo for 3 days and 2 nights! Pay as low as Php3,980.00 or at least Php331.66 per month for 12 months using your Metrobank credit card. Read More: 7 Budget Travel Tips When Out of the Country Just 1,334 miles away from Manila, Philippines, a 3.5-hour flight to Thailand will take every traveler to a realm of rich indigenous culture that is built by its people. As the only Southeast Asian country that has not been colonized by a European power, the Mueang Thai Kingdom is known to be influenced by the beliefs and traditions of neighboring countries, such as India, Cambodia, China, and Laos. Visit Bangkok, the capital and most populous city of Thailand, or Pattaya, considered one of Asia’s largest beach resorts. Ride a tuk-tuk when visiting nearby temples in the capital, such as Wat Arun or Temple of Dawn, and when shopping at their bazaars, including Chatuchak Weekend Market, Patpoing, Khlong Thom, and Saphan Phut. Savor the mouthwatering flavors of Thai cuisine by ordering their Tom Yam Goong and Pad Thai noodles. If you’re a fan of milk teas, try Cha-yen which is made from a strong brew of Ceylon tea with orange blossom water, star anise, crushed tamarind seed or red and yellow food coloring, and other spices. The Thai milk tea is sweetened with sugar and condensed, coconut, evaporated, or whole milk. Don’t have a credit card? Compare Metrobank credit cards through MoneyMax.ph. Apply now! Hurry! The booking period is…

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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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Instant Shopping Spree With Your Selfie

Use your Metrobank ON Internet MasterCard online and submit a SELFIE to get a chance to win! Promo Period: April 14 to June 30, 2014 Promo Mechanics Open to all Metrobank ON Internet MasterCard cardholders in good credit standing at the time of the raffle draw and redemption period. Use your Metrobank ON Internet MasterCard to shop at any online store Take a selfie with your online purchase; minimum purchase of PHP500, maximum is PHP25,000 in a single transaction. The selfies can be in .jpeg, .gif, .png and .tiff format, in any size and with maximum file  size of 8MB. Go to Metrobank ON promo application of the Metrobank Card Facebook page and upload your selfie with the item/s you bought with your Metrobank ON during the promo period. Provide the following information: Name, Contact #, Description of your photo [Transaction Date, Amount, URL of your store; example: 04152014/P25000/amazon.com] One photo is chosen randomly every Monday where the owner will get the amount spend credited back to their Metrobank ON Internet Mastercard 30 days from the date claimed. Draw dates will be every Monday from April 28 to June 30, 2014. Each entry must only consist of a single card transaction. Participants are allowed to enter more than once with different transactions, but winners can only win once during the promo period. Non-winning entries will still be included in the succeeding draws. Winners will be notified through email and phone. To claim your prize, the winner must undergo a verification process. Should present his or her Metrobank ON Internet MasterCard and two valid…

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Holy Week Malls’ Schedule 2014

A lot of malls will be closed in observance of the Holy Week. For sure, many people will go out of the Metro – for leisure or lent, and malls will be one of the least go-to’s these days. Check the promos and perks of your credit card so you can maximize your privileges while you have the opportunity of such human traffic. If you’re not escaping or running any Holy Week-related activities, here are the schedules of major malls in the Philippines just in case you need to go out-of-home: Table of ContentsRobinsons MallsSM MallsAyala MallsMegaworld Lifestyle MallsPowerplant MallGateway MallShangri-La Mall Robinsons Malls All malls are CLOSED on Maundy Thursday and Good Friday except for: Open on Maundy Thursday: Robinsons Place Santiago (10am-9pm) Robinsons Place Palawan (10am-9pm) Summit Ridge Promenade (10am-9pm) Robinsons Luisita (9am-9pm) Robinsons Place Pangasinan (10am-8pm) Robinsons Place Malolos (12nn-9pm) Open on Good Friday: Robinsons Luisita (9am-9pm) Summit Ridge Promenade (10am-9pm) Regular mall operating hours, 10am-9pm will RESUME on Black Saturday. SM Malls ALL malls are CLOSED on Maundy Thursday and Good Friday except for SM Baguio (10am-10pm) Regular mall operating hours, 10am-9pm, RESUME on Black Saturday. Ayala Malls ALL malls are CLOSED on Maundy Thursday and Good Friday. Regular mall operating hours, 10am-9pm, RESUME on Black Saturday. Megaworld Lifestyle Malls (including Eastwood, Newport Mall, Venice Piazza, Lucky Chinatown, Burgos Circle) ALL malls are CLOSED on Maundy Thursday and Good Friday except for Newport Mall in Resorts World which is open on Maundy Thursday (12nn-12am). Regular mall operating hours, 10am-9pm, RESUME on Black Saturday. Powerplant Mall CLOSED on…

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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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PH is a Lot of Work for Internet Providers

Infrastructure is one of the challenges of fast and reliable Internet access across the Philippines, according to a study by Boston Consulting Group.  This limits businesses in the Philippines to access opportunities being presented by a wired economy. Read More: Philippines’ Internet speed still one of the slowest in Asia The study identified 55 indicators of e-friction and grouped them into four components: infrastructure, industry, individual, and information. Philippines ranked 47th among 65 countries in terms of BCG’s e-friction index where infrastructure-related friction contributes to the big chunk of the score. Indicators under infrastructure include access, speed, price, traffic, and architecture. Nigeria topped their list with 82 points while Sweden has the lowest e-friction score with only 14 points. The main challenge facing Internet providers in the Philippines is the country’s geography. Imagine how hard it is for telcos to wire 7,107 islands in the country? It’s never easy to roll out fiber optics and cables from one island to another. For instance, PLDT said they have to install cables underground and under the sea for the Internet to be accessible in an area but that’s difficult and more expensive to do in a country that has a scattered land base. Another option is to provide Internet access through satellites. However, that is also difficult to do in a country like the Philippines since satellites are “exceedingly sensitive” to climate. There are more factors affecting the country’s slow internet development like congestion, people’s abuse, and telco’s policies. All we need to improve the situation is a good combination of commercial resources, people’s discipline, and the government’s…

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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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