Bold and Tough: 8 Best Off-Road Car Options in the Philippines

When car aficionados say that not all cars are created equal, believe them. And the very existence of off-road automobiles is a strong testament to such a claim. Off-road cars are muscly at best, a characteristic that makes commanding attention a menial task. But don’t be fooled by their jacked-up looks, as they also boast agility, performance, and versatility. Technically speaking, owning an off-road car will allow you to dominate any kind of terrain.  If you’re planning to upgrade to an off-road car, there’s no fitting guide other than this article. Read on to learn more.  Table of ContentsThe Basics of an Off-Road Car What to Look for in an Off-Road Car? The Drivetrain The Torque OutputHigh Ground Clearance The Style Safety Features Best Off-Road Cars in the PhilippinesToyota Hilux Suzuki Jimny Chevrolet Colorado Suzuki VitaraMitsubishi Montero Sport Ford Ranger Raptor Toyota FJ Cruiser Toyota Land CruiserFinal Thoughts The Basics of an Off-Road Car  Off-road cars are a different breed of vehicles. Their build and framing are usually much bigger, and they’re often outfitted with tougher housing and larger tires. They’re also designed with a flexible suspension. All these features make an off-road car not only ideal for city driving but also for adventurous rides on rough terrains, such as gravel, sand dunes, grassy lands, muddy surfaces, and unpaved roads.  Read more: A Guide to Car Classifications What to Look for in an Off-Road Car?  Before you buy an off-road car, here are some of the things that you need to look for first:  The Drivetrain  A drivetrain connects the engine to the car wheels. When the engine runs, the power is…

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Unpaid SSS Loan? Here’s How to Apply for the SSS Loan Restructuring Program

If you have an SSS loan that hasn’t been paid for years, this is your chance to settle it. The SSS Loan Restructuring Program is one of the debt relief schemes offered by the Social Security System to help members settle their unpaid loans without penalties. This debt relief program is also to help members who have been affected by the pandemic. It covers housing loans, salary loans, and other short-term member loans. Here’s everything you need to know about the 2021 SSS loan restructuring program. Table of ContentsWhat is the SSS Loan Restructuring Program?Key Features of a Restructured SSS LoanHow the SSS Loan Restructuring Program WorksWhy Should You Apply for Loan Restructuring?Who Can Avail of the SSS Loan Restructuring?SSS Loan Restructuring Application RequirementsAdditional Requirements for Authorized RepresentativesHow to Apply for the SSS Loan Restructuring Program SSS Loan Restructuring Program FAQs1. When can I apply for the SSS Loan Restructuring Program?2. What is considered a past due SSS loan?3. Will I qualify for the SSS Loan Restructuring Program if I’ll turn 65 years old within the repayment period? 4. What will happen if I fail to pay my restructured loan within the agreed terms?5. What if I fail to settle the amount of my consolidated loan within 30 days? Final ThoughtsLooking for Other Loan Options? Consider These Personal Loans What is the SSS Loan Restructuring Program? The SSS Loan Restructuring Program (LRP) allows Filipinos with unpaid SSS loans to settle their outstanding balance under a restructured repayment term. Qualified SSS members can avail of the program for three months starting November 15,…

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[Battle of the Brands] SM Supermarket vs Puregold: Which is the Cheaper and Better Supermarket?

Although Manila is one of Southeast Asia’s most expensive cities to live in,[1] it’s good to know that grocery items sold in the country are the least expensive compared to other SEA countries’ items.[2] Still, we’re always on the hunt for the best places to shop that offer good deals and a cheaper, wider range of products. So chances are you do your grocery shopping at SM Supermarket or Puregold, the two largest grocery retail chains in the Philippines. Choosing between these two retail giants can be difficult especially if you’re after affordability and quality. We’re joining you in your search for the better supermarket, so let’s find out in this SM Supermarket vs Puregold review. Table of ContentsSM Markets OverviewPuregold OverviewPuregold vs SM Supermarket PricesProduct SelectionsRewards ProgramSM Supermarket Rewards CardsPuregold Rewards Cards Which Supermarket Has the Better Rewards Program?Grocery Shopping ConvenienceHow Convenient is It to Shop at SM Supermarket?How Convenient is It to Shop at Puregold?Online Ordering and DeliveryWebsite Ease of UseShipping and DeliveryPayment MethodsFinal Thoughts: SM Supermarket vs Puregold SM Markets Overview While SM Supermarket is under the same group that operates SM Hypermarket and Savemore, these three grocery store types are different from each other. (SM Markets is the mother brand of SM Supermarket, SM Hypermarket, and Savemore Market.[3]) SM Supermarket, the pioneer brand of SM’s Food Retail Group, sells a wide range of food and non-food items and services inside SM malls. Meanwhile, SM Hypermarket, a hybrid of a department store and supermarket, has a larger selling area and offers a broader array of non-food products (e.g.,…

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Taking the Driver’s License Exam? Learn How to Pass the LTO Exam with This Guide

With millions of cars, motorcycles, and other vehicles hitting the Philippine roads every day, you can’t help but wonder if all these drivers are actually licensed to drive. And it’s easy to say that a lot of them are possibly illegitimate motorists, as seen in their kamote behavior and unwillingness to give way to other drivers and even pedestrians.  Of course, you don’t want to be that driver―not just because you don’t want a tarnished reputation, but because you’re a considerate human being who values the safety of everyone. If you’re living by this virtue, make sure that your driving is duly vouched by the Land Transportation Office (LTO), which is ultimately represented by your driver’s license. And for that to happen, you need to pass the LTO exam first. But more than passing the exam, the knowledge that you’ll acquire along the way will be useful in many driving situations.   Check out this guide that may help increase your odds of passing the LTO exam. And in case you’re renewing your license, we’ve also included a short primer on LTO’s Comprehensive Education Program (CDEP).   Table of ContentsLTO Written Exam GuideWhat Happens During the LTO Written Exam?What is the Passing Score in LTO Written Exam?How to Pass the LTO Written ExamLTO Practical Driving Exam GuideWhat Happens During the Practical Driving Test?What is the Practical Exam Scoring System?What is the Passing Score in LTO Driving Exam?How to Pass the LTO Practical ExamLTO Comprehensive Driver’s Education GuideHow to Take the CDE Online Validation ExamWhat to Do During the LTO ExamChoose Your Preferred…

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Exciting Citibank Credit Card Promo Offers to Check Out This Year

Good news for Citi credit cardholders out there: Citibank didn’t spare any expense when it comes to its exclusive deals this year. You’ll definitely want to avail of these Citibank credit card promo offers before they expire. So what are you waiting for? Check out our curated list of the best Citibank credit card promos in 2021 and take your pick! Table of ContentsCitibank Credit Card Promo Offers for New CardholdersMoneymax Citi AirPods/SSI Voucher PromoMoneymax Citibank GCash PromoCitibank Credit Card Welcome GiftsCitibank Credit Card Promo Offers for DiningUp to 30% off at Pookaberry Cafe20% Off at Mistah Cafe50% Off at Cafe Belmont50% Off at Savoy CafeCitibank Credit Card Promo Offers for ShoppingP500 Off at Poundit20% Off at TomsGet 10% Off Every Wednesday on ShopeeCitibank Credit Card Promo Offers for Travel20% Off on Best Available Rates at Bacau Bay Resort Coron15% Off on Best Available Rates at Hotel Monticello TagaytayFinal Thoughts Citibank Credit Card Promo Offers for New Cardholders Moneymax Citi AirPods/SSI Voucher Promo Eligible cards: All Citibank credit cards Promo period: AirPods gift: December 1 to 31, 2021 SSI e-GC: December 1 to 9, 2021 Being a new Citi credit cardholder has never been sweeter. Aside from enjoying the Citi perks and privileges, you also get an e-GC worth PHP 8,000 or a pair of Apple AirPods (worth PHP 7,690) as a welcome gift! Shop for all your holiday must-haves with your SSI vouchers, or enjoy the wireless experience of your brand-new AirPods. Apply through Moneymax and get approved for a Citi credit card today! Click the following links for…

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Bye, Office: What to Know About Back Pay Computation and Other Benefits When You Resign

There are a myriad of reasons employees leave their employers. You’ve already heard the common ones, such as poor management, impractical office location, or career dead-ends. Well, the COVID-19 pandemic has added “pandemic epiphanies” to the list. According to Anthony Klotz, a management professor and psychologist from Texas A&M University, the COVID-19 pandemic has pushed people into “Aha!” moments. Presumably, these include the understanding that life is too short to stick to a stressful job, or the appreciation of the practicality of working freelance. It’s safe to say that such realizations have brought about waves of mass resignations around the world, a phenomenon called the “Great Resignation,” another term coined by Klotz.[1] If you’re jumping on the resignation bandwagon, you’ll feel a thrilling sense of freedom. And you’ll be particularly excited about receiving your final pay. But do you have an idea of how it’s computed? Let this article provide you with the important information about back pay computation. Read more: Planning to Resign? Consider These Financial Factors Before You Quit Your Job Table of ContentsWhat is Back Pay?Is Back Pay Mandatory in the Philippines?How Should I Compute My Back Pay?Typical Components of Back PayDeductions from Your Back PaySample Back Pay ComputationWhen Should I Expect My Back Pay?What’s the Difference Between Back Pay and Separation Pay?What Else Should I Receive Upon Resignation?1. Certificate of Employment2. BIR Form 23163. Back Pay Release Waiver and QuitclaimHow to Fast Track the Release of Your Back Pay1. Talk to Your Human Resources Department Upon Resignation2. Complete Your Clearance Requirements as Soon as Possible3. Decide…

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Dream Intimate Wedding with a P100K Wedding Budget in the Philippines? Yes, It’s Possible!

Ever since the pandemic, it’s been hard to imagine having a wedding with 200 guests. Suffice it to say, big flashy weddings won’t be happening anytime soon. But it’s not a totally bad thing for couples planning to get married.  If you have a PHP 100K wedding budget in the Philippines, you can have an intimate wedding filled with meaningful moments with your loved ones. When it comes to weddings in the new normal, less is definitely more.  Table of ContentsIntimate Wedding with P100K Wedding Budget in the Philippines? Here’s How to Achieve ItKeep Your Guest List Small Get Married on a WeekdayGo for a Small But Beautiful Wedding Venue DIY as Much as You Can Opt for a Minimalist/Ready-to-Wear Wedding OutfitDecide on Which Items to Splurge On More Tips on Planning an Intimate Wedding in the Philippines Final Thoughts Intimate Wedding with P100K Wedding Budget in the Philippines? Here’s How to Achieve It There are many advantages to having a low-budget wedding in the Philippines. For one, you can allocate your budget to wedding elements that are really important to you. With a small wedding, you can also enjoy the full wedding experience from start to finish. Follow these tips to achieve a simple wedding in the Philippines. Keep Your Guest List Small  The smaller your guest list, the smaller your wedding expenses. Plain and simple. A micro wedding in the Philippines has no more than 50 guests. However, you can still trim down your guest list if you really want to. Just invite your immediate family members and closest friends.   Get Married on…

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Promo Extended: Get Free ₱2,000 GCash from Moneymax!

Go cashless in the new normal with a credit card that suits your lifestyle and needs. Still looking for the right one? Get one from Citibank through Moneymax and receive GCash worth PHP 2,000 upon approval! Use your GCash to pay bills, send money, and buy load and other purchases. Your GCash is also withdrawable as cash. This promo is exclusively from Moneymax and is valid to new Citibank customers only. Hurry and apply today! Promo runs until December 31, 2021 only. Per DTI Fair Trade Permit No. FTEB-120346 Series of 2021. For full Terms and Conditions, click here. Table of ContentsMoneymax GCash Promo FAQs1. Which Citi credit card should I apply for to qualify for PHP 2,000 GCash?2. I already have a Citibank credit card. Do I qualify for the promo?3. What is the eligibility criteria for Citibank credit cards?4. What documents should I submit to complete my Citi credit card application?5. How will I know if my application is approved?6. How will I know if the gift has been sent to me?7. Where can I use my GCash?Still Need More Card Options? Check These Credit Cards! Moneymax GCash Promo FAQs 1. Which Citi credit card should I apply for to qualify for PHP 2,000 GCash? You can apply for any Citi credit card to become eligible for the Moneymax GCash promo. Just apply via Moneymax within the promo period and get approved to receive the PHP 2,000 GCash. To help you decide, here are some Citi credit cards to choose from: Citi Rewards Card Citi PremierMiles Card Citi…

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Online Business Registration in the Philippines: Guide for Online Sellers and Influencers

Online businesses are booming in the Philippines, as more Filipinos have turned to selling and vlogging to earn money online after losing their jobs during the COVID-19 crisis. If you’re one of those financially struggling Pinoys trying to make a living through the internet, you’re likely to be worried about the recent BIR order requiring online sellers and influencers to register and pay taxes to the government. Online business registration and tax payment in the Philippines are mandated by the law, so online sellers and everyone making money online, including social media influencers, are expected to comply. Reduce your worries by knowing how to do these right. Here’s everything you need to know and do, from online business registration to paying your taxes to the BIR. Table of ContentsDo I Need to Register My Online Business in the Philippines?Benefits of Online Business Registration in the Philippines1. Increase Your Customers2. Qualify for Business Loans3. Receive Government AssistanceHow to Register Your Online Selling BusinessDTI Online Business RegistrationBIR Online Business RegistrationHow to File Your Income Tax ReturnDeadlines for Filing ITRHow to Pay Tax for Online Business in the PhilippinesFinal Thoughts Do I Need to Register My Online Business in the Philippines? According to the Revenue Memorandum Circular No. 60-2020,[1] the BIR requires registration for “all persons doing business and earning income in any manner or form, specifically those who are into digital transactions through the use of any electronic platforms and media, and other digital means.” However, days after issuing the order, the government clarified that not all kinds of online sellers are required to register. Exempted from the DTI…

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Don’t Miss It! Get Free Apple AirPods from Moneymax

Welcome the most wonderful time of the year with a new Citibank credit card! Enjoy exciting rewards and make holiday shopping more convenient with your new Citi credit card. If you’re still looking for the right one, then we have a great offer for you. Get FREE Apple AirPods worth PHP 7,690 when you apply and get approved for any Citi credit card on the Moneymax website! Hurry and apply today! This Moneymax Citibank AirPods promo runs until December 31, 2021 only. DTI Fair Trade Permit No. FTEB-130767 Series of 2021. For full Terms and Conditions, click here. The free AirPods gift is exclusively from Moneymax and is valid to new Citibank customers only. The promo is valid to all Philippine residents. We know you can’t wait to listen to your favorite holiday tunes again. Level up your listening pleasure―listen to “All I Want for Christmas is You” by Mariah Carey with your new AirPods! To learn more about the Moneymax AirPods promo, see the FAQs section below.  Table of ContentsMoneymax Citibank AirPods Promo FAQs1. Which Citi credit cards are eligible for the free AirPods promo?2. I already have a Citibank credit card. Do I qualify for the Moneymax Citibank AirPods promo?3. What is the eligibility criteria for Citibank credit cards?4. What documents should I submit to complete my Citi credit card application?5. Why should I apply through the Moneymax website to qualify for the promo?6. I just completed my application through the Moneymax website. What happens next?7. How will I know if my Citi credit card application was approved?8. I…

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Should You Buy or Rent a House? Know the Pros and Cons Before You Decide

Having a place to call your own is everyone’s dream. Pandemic or not, all we want is to provide a safe and comfortable place for ourselves and our loved ones. This desire comes with the decision to buy or rent a house.  Renting is probably the easier choice. However, when you rent, you can’t stay in your house forever because you don’t own it.  On the other hand, buying a house guarantees you’ll have a house to live in for the long-term. But the initial considerations are quite taxing and dependent on your financial capacity.  In this article, you’ll learn more about the factors to consider when choosing to buy or rent a house. Table of ContentsWhat’s the Difference Between Renting and Owning a House?Financial Considerations When You Buy or Rent a HouseThe Pros and Cons of Renting or Owning a HousePros of Renting a HouseCons of Renting a HousePros of Buying a HouseCons of Buying a HouseQuestions to Ask Before You Buy or Rent a HouseCan I Afford to Buy a House? How Long Am I Planning to Stay in This Location?Am I Looking for Flexibility or Stability?Do I Have a Lot of Outstanding Debts?Final Thoughts What’s the Difference Between Renting and Owning a House? To move out of your parents’ home and get your own place is quite a goal. It’s a huge decision that could affect your finances and your life as a whole.  Renting can be an option because it allows you to occupy a living space just by paying monthly rent to the owner. Just remember…

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A Heads-Up for All Drivers: Complete List of LTO Branches in Metro Manila

The Land Transportation Office (LTO) is among the agencies heavily affected by the pandemic. Lockdowns have halted regular operations, which in turn put important transactions on hold. While this was a hassle for many, it was a necessary measure to keep everyone safe. Thankfully, the operations of some government agencies have already resumed now that the pandemic appears to be under control. The offices and their clients are picking up where they left off. It’s also obvious that there will be a lot of adjustments to be made in terms of dealing with backlogs and accommodating clients.  Whether you have a pending transaction with the LTO or you’re planning to initiate a new one, we’ve put together a simple guide to help you manage your expectations. We’ve also included a list of LTO branches in Metro Manila to aid you in planning and scheduling your transaction. Table of ContentsIs LTO Open Today?LTO Branches in Metro ManilaLTO Branches FAQs1. What are the operating hours of LTO offices?2. Are LTO offices open on Saturdays?3. Does LTO accept walk-ins?4. How do I make an appointment at LTO online?5. What is LTO DLRO?What You Need to Do Before Going to an LTO Office1. Book Your Appointment Online2. Double-Check All Documents to Be Submitted3. Bring Your Old Driver’s License4. Bring Your New Normal Kit5. Never Work With a FixerFinal ThoughtsGet a Free Car Insurance Quote! Is LTO Open Today? Yes! LTO resumed its operations in its offices in Metro Manila last May 3, 2021.[1] But the reopening of the offices saw some major changes―from the…

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How Solenn and Nico Manage Their Finances as a Couple

Have you talked with your partner about achieving financial goals in your marriage? If you haven’t, better do it now. Money problems are among the leading causes of failed marriages, so one of the first things you need to do after your wedding is to work with your spouse to manage your finances well. You can draw inspiration from popular celebrity couple Solenn Heussaff and Nico Bolzico. Fans adore them for their playful banters on YouTube and hilarious posts on Instagram. But aside from delighting followers with funny couple pranks and parenting adventures with Thylane, there’s something else that they take very seriously―their financial wellness as a married couple. In this article, learn how to budget as a married couple and get top financial tips from Solenn and Nico.  Table of ContentsHow to Budget As a Couple, According to Solenn and NicoDiscuss Your Financial Goals as a CoupleHave Both Joint and Separate Bank AccountsPut Aside Extra Money for SavingsTrack Your Income and ExpensesDon’t Be Too Risk-AverseFinal Thoughts How to Budget As a Couple, According to Solenn and Nico Talking about money with your significant other may be something you want to delay or avoid. But your finances as a couple is an important matter that should be addressed as early as possible. Here, Solenn and Nico share some helpful tips on how you and your partner can do it.   Discuss Your Financial Goals as a Couple Solenn and Nico work as a team to identify their money goals and find ways to achieve them. The celebrity businessman said that he…

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Protect Your Fur Babies: Guide to Pet Insurance in the Philippines

Your pet is essentially a member of your family. Their silliness takes away the stress of a long work day, and their constant companionship keeps you from being lonely. Because you love them so much, you make sure that their food, vitamins, and even clothing, are only of the best quality.  But if you want to shower them with more love, do so by providing them with protection from life’s uncertainties―get them a pet insurance policy. While the concept is not new, getting pet insurance in the Philippines is not that mainstream yet. But you need to face the reality that pets can get sick, too, and their medical expenses can take a toll on your finances. So if you’re planning to get a policy, check out this guide to pet insurance in the Philippines.  Table of ContentsWhat is Pet Insurance?What Does Pet Insurance Cover?Why Should I Get Pet Insurance?You’ll Have Peace of MindYour Savings are ProtectedIt’s Not That Expensive!How Much Does Pet Insurance Cost in the Philippines?Where to Get Pet Insurance in the Philippines?Malayan Insurance Co., Inc. Standard Insurance Co., Inc.Metropolitan Insurance Co., Inc.Kwik.insure  Tips for Choosing a Pet Insurance PolicyCheck Your Pet’s AgeSee If Your Pet is InsurableAsk the Right QuestionsConsider Other RisksFinal Thoughts What is Pet Insurance? A pet insurance policy works just like a regular life or health insurance. The main function of this policy is to keep you from losing money due to unexpected pet-related expenses. These expenditures include veterinary bills, illness, accidents, and even burials.  What Does Pet Insurance Cover? The coverage of a pet insurance…

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Applying for Your Driver’s License Renewal? Read This Guide First

Renewing the driver’s license is a priority that every motorist must do. If you keep hitting the road with an expired license, you may face not only penalties but also legal repercussions. Driver’s license renewal in the Philippines may be a long and arduous task. But it’s good to know that the Land Transportation Office (LTO) is making major changes to make its processes easier for everyone. The most exciting change that the LTO has implemented so far is the issuance of licenses with a 10-year validity.[1] This is good news for motorists, as this simply means fewer trips to the LTO for license renewals in the future. Nevertheless, some conditions are put in place, and it’s worth knowing all the recent modifications that the LTO has applied to its renewal procedure. Here are some of the things you need to know about driver’s license renewal in the Philippines.   Table of ContentsWho is Eligible for the 10-Year License?What are the Driver’s License Renewal Requirements?Requirements for Local ApplicantsRequirements for Local Applicants with a Delinquent Driver’s License* Requirements for OFWsHow to Renew Your Driver’s License in the PhilippinesWalk-In Application Steps for Driver’s License RenewalOnline Driver’s License Renewal Application StepsDriver’s Licence Renewal Steps for OFWs  Steps for Applicants with a Delinquent Driver’s LicenseHow Much is the Driver’s License Renewal Fee?Driver’s License Renewal Fees for Local ApplicantsDriver’s License Renewal Fees for OFWsWhere Can I Renew My Driver’s License?Tips to Make Your Driver’s License Renewal Much Safer and More Efficient1. Settle Past Traffic Violations2. Double-Check Your Documents3. Have Your Medical Exam in Advance4. Bring Some Snacks and Water5….

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12 Budget-Friendly Online Furniture Stores in the Philippines

Planning to renovate and furnish your home? Or maybe you’ve started doing it? Start your search for affordable finds at online furniture stores in the Philippines. Online shopping for furniture is the way to go in the new normal. Unlike physical stores, online furniture shops are open 24 hours a day, seven days a week—so you can shop at your most convenient time. Just place your order through a website, pay for it, and wait for your furniture to be delivered to you. If you’re looking for furniture shops that sell value-for-money items, we’ve prepared a list of the best online furniture stores in the Philippines for you to choose from. Table of Contents12 Affordable Online Furniture Stores in the PhilippinesAllHomeBonny FurnitureCost U LessFurniture Deals PhilippinesFurniture FairFurniture ManilaFurniture SourceHooLi FurnitureMandaue FoamMODLiving FurnishingsSan-Yang FurnitureUrban ConceptsFinal Thoughts 12 Affordable Online Furniture Stores in the Philippines AllHome AllHome is a one-stop-shop for home improvement in the Philippines owned by the Villar Group of Companies. Although it mainly caters to homebuilders, AllHome also carries a collection of contemporary furniture. It’s an ideal place to shop if you’re constructing/renovating and furnishing your home. For your work-from-home needs, you can find affordable office furniture at AllHome. Tables and chairs on sale are offered for only PHP 1,000 to PHP 2,000+. There’s even a bundled set of office table and chairs worth only around PHP 4,500. Delivery location: Metro Manila, Bulacan, Cavite, Cebu, Iloilo, and other parts of the country Delivery time: 2 to 3 working days Payment modes: Bank deposit Cash on delivery Credit/debit card (Visa.Mastercard;…

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11 Best Supplementary Credit Cards to Get for Your Loved Ones

Applying for a new credit card? If you have family members who depend on you for financial support, consider getting each of them a supplementary credit card along with your own primary card. Rather than applying for additional principal cards, it’s better to enroll your spouse, child, or elderly parent as a supplementary cardholder under your credit card account. Firstly, your family members may not qualify for a regular credit card. Either they are too young or too old, or lack income documents. With more relaxed eligibility requirements, the best supplementary credit card in the Philippines makes it easy for such people to enjoy the convenience and benefits of a principal card. Also, supplementary cards are especially helpful during emergencies. Your child who lives far away can use the card immediately when he or she runs out of cash. Table of ContentsHow to Choose the Best Supplementary Credit Card: 3 Features to Look For☑️ Waived Annual Fees for Life☑️ Control Over the Supplementary Credit Limit☑️ Supplementary Credit Card Benefits11 Best Supplementary Credit Cards in the Philippines💳 AUB Classic Mastercard💳 Citi Simplicity+💳 Metrobank M Free Mastercard💳 EastWest Platinum Mastercard💳 Bank of Commerce Platinum Mastercard💳 BPI Family Credit Card💳 China Bank Prime Mastercard💳 HSBC Red Mastercard💳 RCBC Bankard Visa Infinite💳 Metrobank Peso Platinum Mastercard💳 Security Bank Complete Cashback MastercardFinal Thoughts How to Choose the Best Supplementary Credit Card: 3 Features to Look For If you already have an existing credit card and you don’t plan on getting a new one, your supplementary card options are limited to what your issuing bank offers….

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Are You Financially Ready to Buy a House in the Philippines?

Rent takes up a huge portion of the household budget. You need to set aside at least PHP 5,000 to pay for a standard-size house. Of course, the rent will go higher if you need more rooms or a bigger garage for your cars, bikes, or motorcycles.  If you’ve been paying for a house you don’t own for years, maybe it’s time to stop renting and start owning. But the important question to ask is, “Are you ready to buy a house in the Philippines?”  Buying a house is not as quick and easy as buying stuff online. With all the options and factors to consider, it requires time, research, and money. Here are some things to check if you’re financially ready to own a house.    Table of ContentsSigns You’re Ready to Buy a House in the PhilippinesYou Have a Low Debt-to-Income RatioYou Have Enough Savings You Have a Stable Job or Source of IncomeYou Have Extra Money for the Down Payment or RenovationYou’re Planning to Stay in the Same Location for GoodYou Can Still Live Comfortably Even With a Mortgage How Much Does a House in the Philippines Cost?LocationType of HouseEnvironment, Community, and SecurityCan a Foreigner Buy a House in the Philippines?What are the Fees Involved When You Buy a House in the Philippines?Capital Gains TaxDocumentary Stamp TaxTransfer TaxTitle Registration FeeReal Property TaxFinal Thoughts Signs You’re Ready to Buy a House in the Philippines Buying a house is a journey that requires your financial readiness. Here are the signs you’re ready to become a homeowner.  You Have a Low Debt-to-Income Ratio…

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SSS Online Registration: A Simple Step-by-Step Guide

Are you a Philippine Social Security System (SSS) member but don’t have a My.SSS account yet? Better do it now to reap the benefits of this online service facility. Know all about My.SSS and the steps to complete your SSS online registration in this quick guide. Table of ContentsWhat is a My.SSS account?Why Do I Need an SSS Portal Registration?Who Can Register for an Online Account?How Can I Register in SSS Online?Step 1: Go to the SSS online registration pageStep 2: Fill out the required information in the SSS online formStep 3: Check your email after 30 minutesStep 4: Activate your My.SSS accountWhat Can Members Do on the My.SSS Portal?1. Check and Update Your SSS Membership Information2. Check Your SSS Contributions3. Access SSS Online Services4. Generate Your Payment Reference Number5. Get SSS Contact DetailsHow Can I Get My SSS User ID and Password Online?What is CRN in SSS?Is the CRN same with my SSS number?How Do I Get My SSS Number?1. Call the SSS Hotline2. Get Your SSS Number Online3. Email the SSS Helpdesk4. Visit the nearest SSS branchLearn About Your SSS Benefits for Free with ExSSSeLFinal Thoughts What is a My.SSS account? A My.SSS account allows you to use the My.SSS or SSS Member Portal,[1] an online service platform of the SSS website that enables registered SSS members to conveniently and safely access their social security records online. Creating a My.SSS account and using the SSS online portal are both free of charge. To use this SSS online facility, all you need is a smartphone, laptop, or any device with…

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Easytrip Guide: Easy Ways to Get and Reload Easytrip RFID

Last year, the Department of Transportation ordered the full adoption of an RFID system in all tollways by November 2020 to help reduce COVID-19 transmission.[1] With the RFID system, contact between motorists and toll booth operators will be reduced and eliminate the need for using cash for paying toll fees. Which means you should be familiar with the Easytrip RFID by now. Perhaps you’ve also tried different methods to top it up aside from driving to the nearest RFID installation site, which can be time-consuming. Still, the the easier and safer alternative is to make your Easytrip transactions online. So here’s a quick guide to ordering, installing, and reloading Easytrip RFID online. Table of ContentsWhat is Easytrip RFID?Easytrip RFID CoverageWhere Can I Buy an Easytrip Device?How to Order and Register a Stick-It-Yourself Easytrip RFID OnlineHow to Install Your Easytrip RFIDEasytrip Balance Inquiry GuideHow to Check Easytrip Balance via WebsiteHow to Check Easytrip Balance via Mobile AppEasytrip Online Reloading GuideHow to Load Easytrip via Online Banking or E-WalletHow to Load Easytrip via UnionBank EON AppHow to Load Easytrip via Coins.ph AppHow to Load Easytrip via BPIHow to Load Easytrip via Easytrip Mobile AppHow to Load Easytrip via TextFinal Thoughts What is Easytrip RFID? The Easytrip RFID is a government-recommended radio frequency identification sticker attached to a vehicle’s windshield or headlight for use in contactless and cashless toll payments. It’s a more efficient and safer alternative to cash for paying toll fees. Easytrip RFID Coverage Two tollway operators operate the different expressways in Luzon: the Metro Pacific Tollways Corporation (MPTC) and San Miguel…

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