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

Etiqa Car Insurance: Customize Your Policy According to Your Budget

“Is Etiqa car insurance good?” Whether you’re shopping for your first policy or switching to a new car insurance provider, Etiqa Philippines is one of the options that would pop up when you search online. You’re probably wondering if Etiqa car insurance is worth considering. Etiqa offers plenty of benefits and innovations that make getting a policy and filing a claim so much easier for its clients. Here’s everything car owners should know about this insurance company in the Philippines. Table of ContentsWhat is Etiqa Philippines?Etiqa Car Insurance in the PhilippinesEtiqa Car Insurance Coverage and BenefitsWhat Does Etiqa Auto Insurance Cover?Benefits of Having an Etiqa Car Insurance Policy1. Purchase and Renew Your Policy All Online2. Pay Your Policy at 0% Interest3. Payment Flexibility4. Fast Claims ProcessingHow to Get Etiqa Car Insurance OnlineFinal Thoughts What is Etiqa Philippines? Etiqa Life and General Assurance Philippines, Inc. or Etiqa Philippines (via AsianLife and General Assurance Philippines), has been in the industry for over 40 years. Etiqa’s headquarters is in Kuala Lumpur, Malaysia and currently has presence in Singapore, Indonesia, Cambodia, and the Philippines. Etiqa Philippines offers Group Life, Non-Life and Retail (Individual) products that cater to protection, savings, insurance, and investment needs for various segments in the Philippines. They offer a wide range of products, including endowment, term, education, investment-linked, and medical insurance for Life and personal accident, fire, motor, aviation, fleet management, and engineering policies for Non-Life. The company is a member of the Maybank Group. Etiqa Car Insurance in the Philippines Etiqa Car Insurance, one of Etiqa Philippines’ insurance products, provides…

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Reopening Your Business? Guidelines and Tips for Resuming Your Operations

Business reopening in more industries has now been allowed along with the gradual relaxing of quarantine restrictions in the Philippines. Getting back to business after a long lockdown-induced hiatus? “Business as usual” has taken on a whole new meaning during the COVID-19 pandemic. Essentially, it now means observing government-mandated minimum health protocols and doing your part in containing the spread of coronavirus in your community. How do you restart your business in the new normal? Here are the guidelines business owners should follow, plus a few tips on resuming your operations. Table of ContentsIATF Business Reopening Guidelines Businesses Authorized to Reopen Under QuarantineMinimum Health Standards for Reopening a BusinessLGU Business Reopening Guidelines6 Tips for Reopening Your Business After Lockdown1. Apply for Government Assistance2. Announce Your Business Reopening3. Be Ready to Do More with Less4. Boost Safety in Your Place of Business5. Inform Customers About Your Health Protocols6. Provide Customers with More OptionsFinal Thoughts IATF Business Reopening Guidelines  Businesses Authorized to Reopen Under Quarantine Your business may be allowed to fully or partially operate depending on its nature and whether you’re located in an area under the enhanced community quarantine (ECQ), modified enhanced community quarantine (MECQ), general community quarantine (GCQ), or modified general community quarantine (MGCQ). Before you reopen your business, make sure it’s allowed by the government to operate. Check the DTI guidelines on business reopening under community quarantine[1] for the complete list of industries allowed to resume operations under different quarantine levels. Business Reopening Guidelines for Restaurants The Inter-Agency Task Force for the Management of Emerging Infectious Diseases (IATF) has authorized food establishments…

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What Happens If You Stop Making Loan Payments?

Are you close to a loan default? Unexpected situations—like a job loss, medical emergency or death in the family, or calamity—can put even the most responsible borrowers in a tight spot, making it extremely hard to make loan payments on time. Defaulting on a loan comes with serious financial consequences, not to mention that you’ll spend stressful days and sleepless nights thinking about how to get yourself out of the sticky situation. You don’t want to reach that point—and you can keep it from happening. Don’t let a loan default affect your finances. Table of ContentsWhat is a Loan Default?4 Serious Consequences of a Loan Default1. Your Debt Will Pile Up2. The Lender Will Take Back Your Car or Home3. Your Credit Score Will Drop4. Unpaid Government Loans Will Be Deducted From Your BenefitsLoan Default During COVID-19Final Thoughts What is a Loan Default? A loan default results from failure to make monthly loan payments for a certain period as specified in the loan’s terms and conditions. This isn’t to be confused with loan delinquency,[1] which happens as soon as you miss a mortgage payment. A loan default is declared when your loan remains delinquent for a long time. The time before a loan goes into default varies from one lender to another. Generally, borrowers in the Philippines have a maximum grace period of 90 days or three months to settle their outstanding balance before their loans become in default. That’s the case for Pag-IBIG multi-purpose loans and housing loans. Some banks have shorter grace periods before declaring a loan default. Citibank, for instance, places…

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7-11 CLiQQ App Guide: Pay Your Bills and Send Money Anytime

You’re probably familiar with the 7-11 CLiQQ kiosk found in 7-Eleven stores nationwide. You might have even used one to pay bills or buy load. But have you ever heard about the 7-11 CLiQQ app? If not, here’s something that would make you interested in it: 7-Eleven says that everything its CLiQQ machine can do, the mobile app can do better. To find that out, try using the app if it’s suitable for your needs. For beginners, here’s a simple guide to using the 7-Eleven CLiQQ app for financial transactions in the Philippines. Table of ContentsWhat is 7-11 CLiQQ App?7-11 CLiQQ Account ActivationHow to Activate Your 7-11 CLiQQ Account7-11 CLiQQ PAY WalletHow to Activate Your 7-11 CLiQQ PAY WalletHow to Load Your 7-11 CLiQQ WalletHow to Use CLiQQ App in 7-Eleven for In-Store Purchase7-11 CLiQQ Bills PaymentHow to Pay Your Bills Using  7-11 CLiQQ App7-11 CLiQQ Money TransferHow to Send Money to GCash or PayMaya Using CLiQQ AppHow to Send Money via Palawan Express Using CLiQQ AppFinal Thoughts What is 7-11 CLiQQ App? The CLiQQ app is 7-Eleven Philippines’ mobile app that allows users to generate barcodes for payment, rewards redemption, and Wi-Fi access at 7-Eleven stores nationwide. The 7-11 CLiQQ app has three main features: CLiQQ PAY – 7-Eleven’s mobile wallet for fast, convenient, and cashless payments for in-store and online purchases, bills, and money transfers CLiQQ Rewards – 7-Eleven’s loyalty rewards program for earning and redeeming points CLiQQ WiFi – Provides internet access to users at all 7-Eleven stores In this guide, we will be focusing on the…

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A Guide to Separation Pay in the Philippines

One of the most stressful experiences you may face in your professional life is being laid off due to unforeseen circumstances. A classic “it’s not you, it’s me” moment, losing your job can be confusing, especially now when the unemployment rate in the country has already soared to 17.7%[1]. Upon receiving the bad news, you should know the details about the benefits you may receive from your employer. One of these benefits is separation pay. Keep on reading to know more about separation pay, whether you are qualified to receive it, and how to compute the amount you may get. Table of ContentsWhat is separation pay?With these causes, how can an employer justify my termination?Final Pay vs Separation PayWho is entitled to receive separation pay?And who are not entitled?How much is separation pay?How to compute separation payDetails you need to compute your separation pay:General formula for separation pay computation:How long should you wait before getting your separation pay?Final Thoughts What is separation pay? Separation pay is the amount of compensation you may get if your termination is due to authorized causes. According to the Labor Code of the Philippines, these causes are: Redundancy Retrenchment Closing or cessation of operation of the establishment Installation of labor-saving devices Employee is suffering from a disease and  continued employment is prohibited by law, prejudicial to his health, as well as the health of his co-employees With these causes, how can an employer justify my termination? Your employer should submit documents and undergo due process when terminating employees because of authorized causes. If your dismissal…

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Biking in Manila? Here’s Where You Can Buy Cheap Bikes Plus Safety Tips

Bicycles have long been known as an alternative mode of transportation for Filipino commuters. These two-wheelers are cheaper, more environment-friendly, and healthier to use than motor vehicles. But it’s only now during the COVID-19 pandemic—when public transport is scarce—that bikes are being used by more people to go to work or run errands. If you’re starting to bike around the city, arm yourself with knowledge about where to score cheap finds and how to bike safely. Here’s a beginner’s quick guide to biking in Manila. Table of ContentsWhere to Buy a Bike in Metro ManilaBike Shops in Cartimar and QuiapoJapanese Surplus ShopsLocal Bike ShopsOnline Bike ShopsBuy-and-Sell Facebook GroupsBike Registration in the PhilippinesTips to Practice Safe Biking in ManilaFinal Thoughts Where to Buy a Bike in Metro Manila Bike prices in the Philippines have surged with the rise in demand for bicycles during the COVID-19 pandemic. Thinking of buying a bike? To save money, find stores that sell cheap bikes, or at least ones that are reasonably priced. Here are some of the most biker-recommended places where you can score a quality yet affordable bicycle. Bike Shops in Cartimar and Quiapo Cartimar in Pasay and Quiapo in Manila are usually the top-of-mind choices for low-priced bikes and bicycle parts. If you leave within or near Cartimar, do your bike shopping along Leveriza Street, where you can find the largest and most popular stores for bikers: Paulina’s, Ross, and VeloCity. Will you be biking in Manila? Head over to Quiapo and go bargain hunting for bikes at stores like King’s, Cycle Art,…

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How Contactless Payments Work and How It Can Help Us Today

Most Filipinos use cash for transactions, but more people are now embracing contactless payment. Almost eight of 10 Filipinos plan on using their cards for payments instead of cash, according to data from the 2018 Visa Consumer Payment Attitude Study[1]. The COVID-19 outbreak has also made establishments switch to contactless payments. Because this method doesn’t require entering a PIN or using a pen for signature, physical contact is minimal. Contactless payments are not new but are becoming more significant in the world we live in. Keep on reading to know how this payment option works, why it’s important today, and what contactless payment options you can use for products and services in the Philippines. Table of ContentsWhat Is Contactless Payment?How Do Contactless Payments Work?The Importance of Contactless Payments TodayAdvantages and Disadvantages of Contactless PaymentsAdvantagesDisadvantagesContactless Payment Options in the PhilippinesContactless CardsContactless Payment AppsFinal Thoughts What Is Contactless Payment? Contactless payment is a type of payment available in credit cards and debit cards. With this method, you can pay for services and goods by simply holding the card near a payment terminal or a Radio Frequency Identification (RFID) reader. Such terminals process the payment through a chip card. This payment method has been around since the 1990s, with only a few establishments using the technology during that time[2]. Nowadays, more merchants and retailers offer contactless payment for their customers around the world. Other contactless payment solutions that are becoming more widely used are digital wallets such as GCash, PayMaya, and GrabPay. These options require using a mobile app to pay for products…

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Moneymax Reviews: How Rewarding Is a Citi Rewards Card?

What’s the one thing first-time and veteran cardholders have in common? Their affinity for credit card rewards. One of the most popular rewards credit cards out there is the Citi Rewards Card. You could be searching for other cards, but Citibank’s reward-filled credit card has always been a good place to start. Fortunately, Moneymax has you covered with the first edition of Moneymax Reviews, where we take an in-depth look at credit cards and other financial products in the Philippines. And the first product to go under the microscope? You guessed it—the Citi Rewards Card. Find out more in this Citi Rewards Card review. Table of ContentsCiti Rewards Card Terms and ConditionsCiti Rewards Card FeaturesWhat Rewards Can I Redeem with a Citi Rewards Card?What Perks Can I Enjoy with a Citi Rewards Card?Citi Rewards Card AlternativesFinal Thoughts Citi Rewards Card Terms and Conditions Every credit card comes with a set of terms and conditions, and the Citi Rewards Card is no different. It’s important to study them before applying for any credit card out there. Citi Rewards Card Features Annual fee: PHP 2,500 for principal cardholders (free for the first year) PHP 1,250 for supplementary cardholders (free for the first year) Interest rate: 3.50% Minimum monthly income requirement: PHP 15,000 (for existing credit cardholders) PHP 20,833.33 (for new cardholders) Cash advance fee: PHP 500 per withdrawal or 3% of amount Monthly minimum due: PHP 500 or 1% of amount due Late payment fee: PHP 850 Overlimit fee: PHP 750 Foreigh transaction fee: 3.525% of amount Card replacement fee: PHP 400…

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What Your Credit Report is Saying About You

You know those online quizzes where you answer a bunch of questions and you end up with a fictional character that will apparently say a lot about you? The adult version of that is a credit report. Your credit report takeaways will say more about you than your social media profile, your career achievements, and even other people’s perceptions combined. Why? It’s because a credit report contains information that will determine how good you are in “adulting.” And unlike online quizzes, the results are more accurate and the data is more grounded. Also, there are no fun questions to answer, but the result will definitely affect the quality of your life in a huge way. Table of ContentsWhat Your Credit Report Says About YouCredit Report Takeaways to ExpectHow Good You Are with MoneyHow Professional You Can BeHow Financially Free You AreHow Big a Liability You AreYour Capability to Start a FamilyFinal Thoughts What Your Credit Report Says About You Simply put, a credit report is a document containing all your credit history, which includes your past, current, paid, and unpaid debt records. The Credit Information Corporation[1], among other credit bureaus in the Philippines, collects your personal and/or business accounts, loan accounts, credit card accounts, and installment contracts that will reflect both positive and negative data. They will then compile it into a report, give you a credit score based on your report, and send it to the financial establishment where you’re applying for a loan, insurance, or credit card. And just like online quizzes, you’ll eventually find out more about…

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BIR Online Payment Guide: Easy Ways to Pay Taxes in the Philippines

If you’ve been paying your taxes manually, you know how inconvenient it could be—not to mention that it’s risky because of the serious threat of COVID-19. This makes the BIR online tax payment a much better alternative to manual payment. Rather than line up at the bank or a BIR Revenue District Office (RDO), you can just stay at home and pay your taxes using your bank account, credit or debit card, or mobile wallet. Pay your taxes online to take advantage of its many benefits. Get started with this BIR online payment guide. Table of ContentsWhy Should You Pay Your Taxes Online?BIR Online Payment Channels1. Online banking channels2. LANDBANK Link.BizPortal3. DBP Pay Tax Online4. UnionBank online banking and mobile app5. GCash app6. PayMaya app7. Moneygment appBIR Online Tax Payment Steps for eFPS FilersBIR Online Tax Payment Steps for eBIRForms FilersHow to Pay BIR via LANDBANK / PESONetHow to Pay BIR Using DBP Pay Tax OnlineHow to Pay BIR via UnionBankHow to Pay BIR Using GCash AppHow to Pay BIR Using PayMaya AppHow to Pay BIR Using Moneygment AppFinal Thoughts Why Should You Pay Your Taxes Online? Online tax payment offers several advantages over manual payment. Here are the best reasons to pay your taxes online. Safety – Paying online helps you avoid crowds and long lines, reducing your risk of exposure to the coronavirus. You can just pay your taxes in the safety of your home. Convenience – BIR online payment facilities are available 24/7, so you can transact at your most convenient time, or during off-peak hours when the internet…

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Best Websites to Buy Used Cars Online in the Philippines

Online shopping has redefined the used car purchase process. Gone are the days when shopping for second-hand cars meant spending a whole day hopping from one dealership to another and haggling a lower price. Nowadays, you can easily search where to buy second-hand cars online. Visit a buy-and-sell car website, type your desired make and model, and hit enter. Within seconds, you’ll get an extensive list of second-hand cars for sale. All you have to do is find the best deal for you and contact the seller to set up or negotiate the purchase. The best part of using buy-and-sell car websites? It doesn’t cost anything. You don’t even need to haggle—you can easily find cheap used car deals online. Visit these websites where you can buy used cars online in the Philippines. Table of ContentsWhere to Buy Second-Hand Cars Online1. Carmudi2. Tsikot3. AutoDeal4. Philkotse5. CarFinderPH6. PhilMotors7. Zigwheels PhilippinesFinal Thoughts Where to Buy Second-Hand Cars Online 1. Carmudi Carmudi[1] is one of the top places to know where to buy second-hand cars for sale in the Philippines. The website provides a host of useful services to enhance the buying experience for used cars online. The most noteworthy is its multi-point inspection service that eliminates the uncertainty about a used car’s real condition. Some of the used cars undergo full inspection—from the interior to under-chassis—before they’re put up for sale online. Buyers can download an in-depth vehicle inspection report for free, which shows the components that passed the quality and safety checks. The report also recommends parts for repair or replacement. This…

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Moneymax and Nook Sign Partnership to Make Housing Loan Applications Easier

MANILA, PHILIPPINES – MAY 2020. Nook, the Philippines’ first online mortgage broker, partners with Moneymax to help Filipinos find and get approved for the right home loan. Nook was founded in 2018 and its partnership with Moneymax is a first for both online platforms. Table of ContentsMaking home loan applications simple and freeWorking together to help Filipinos with their home financing needsAbout MoneymaxAbout Nook Making home loan applications simple and free Online mortgage brokers may be new to Filipinos, but their role in the Philippine housing market can sure make an impact. So how does a platform like Nook work? Similar to Moneymax, Nook partners with leading banks in the country to act as an intermediary between them and borrowers. Through its website, Nook helps Filipinos choose the right home loan, ultimately guiding them from application to approval. Apart from making the home loan process faster and more convenient, Nook also helps users save money by allowing them to compare and apply for a loan without charge. Nook’s services are all free and online. Working together to help Filipinos with their home financing needs It only makes sense for Nook to partner with Moneymax as both companies aim to educate Filipinos on how to make smarter financial decisions. “Getting a home loan is a major financial decision in someone’s life. Moneymax and Nook will make it easy for every Filipino to compare and apply for the best home loan with a click of a button,” shares Munmun Nath, Moneymax’s Managing Director for Marketing. “We are excited about this strategic partnership…

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IQ Option for Beginners: A Guide to Using the Online Trading Platform

Nowadays, you don’t need a broker to trade in the stock market. Thanks to technological advancements, you can now buy and sell stocks online by yourself. You also don’t have to be an expert to trade using online platforms because they are now more user-friendly, and offer various tools and training materials. With online trading platforms, you can buy and sell stocks anytime, anywhere. Interested in stock trading? One of the platforms you should explore is IQ Option. Learn how IQ Option works, the different tools it offers, and how you can start trading online. Table of ContentsWhat Is IQ Option?IQ Option for Beginners: 5 Financial Assets You Can TradeAvailable Trading Types and Payouts1. Binary Options2. Digital Options (CFDs)Different Types of IQ Option Accounts1. Practice Account2. Real Account3. VIP AccountHow to Use IQ Option on Desktop and MobileHow to Create an AccountHow to Deposit and Withdraw FundsHow to Start TradingIQ Option Indicators and Order TypesOrder TypesIndicatorsFinal Thoughts What Is IQ Option? IQ Option is an online trading platform that allows traders to bid on various financial instruments such as stocks, foreign exchange (forex), binary options, commodities, exchange-traded funds (ETFs), and cryptocurrencies[1]. It is one of the fastest growing online trading brands in the world with over 48,000 registered users and more than one million transactions a day. Founded in 2013, IQ Option is based in Cyprus and is regulated by the Cyprus Securities and Exchange Commission (CySEC). IQ Option caters to traders from over 213 countries, including Malaysia, Singapore, India, and the Philippines. Related article: COL Financial Guide for Stock…

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How to Financially Recover from Unemployment in the Philippines

Losing your job is already stressful. What more if you’re suddenly out of work during a pandemic? This is a financially challenging time for many Filipinos. Currently, 7.3 million people are jobless. Unemployment in the Philippines has been rising during the COVID-19 crisis, hitting a record-high of 17.7% in April 2020[1]. There are also 13 million Filipinos who are still employed but are forced to work reduced hours or temporarily stop working altogether. If you’re in a similar situation, you’re likely worried about many things—how to make ends meet, how to deal with piling bills and debts, how to find a new job, and so on. But you can stay on top of your finances, whether you’ve been laid-off or furloughed[2]. Know what you should do after a job loss, so you can still provide for yourself and your family. Table of Contents8 Tips to Recover from Unemployment in the Philippines1. Know the Benefits You May Receive from the Employer2. Avail of Unemployment Benefits from the Government3. Have a Financial Reality Check4. Negotiate Your Debt Payments5. Cut Back on Unnecessary Spending6. Spend Your Unemployment Benefits Wisely7. Start Your Job Hunt Immediately8. Find New Income SourcesFinal Thoughts 8 Tips to Recover from Unemployment in the Philippines 1. Know the Benefits You May Receive from the Employer Upon breaking the news of your termination, your boss or HR officer should’ve discussed with you in detail the benefits you’ll receive from the company. If your employer doesn’t provide the information on your severance package, check your employee handbook for the benefits for laid-off…

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Credit Report vs Credit Score: Understanding the Difference

What’s the difference between a credit report and a credit score? It’s hard to tell because the two terms seem very similar. They’re both important for lenders in determining how responsible you are as a borrower. You also need to access both for building your creditworthiness. Not to mention that they sound pretty much the same. That’s where the similarities end, though. To help you distinguish one from the other, we’ve broken down for you the key differences between a credit report and a credit score in the Philippines. Read on as we break down credit report vs credit score in the Philippines. Table of ContentsWhat is a Credit Report?What is a Credit Score?Credit Report vs Credit Score: The Main Differences1. Credit Reports Give More Details2. Credit Report is the Basis for Credit Score Computation3. No Credit Score on a Credit ReportQuick View: Credit Report vs Credit Score DifferencesHow to Get Your Credit ReportHow to Get Your Credit ScoreFinal Thoughts What is a Credit Report? A credit report is a detailed summary of your borrowing and repayment activities. It contains your personal and/or business information, as well as pertinent details of your loans, credit cards, mortgage, and other financial transactions. In a nutshell, here’s how credit reporting works in the Philippines: Banks and other financial institutions submit their clients’ credit information (both positive and negative) to the Credit Information Corporation (CIC), the public credit registry and repository of credit information in the Philippines. The CIC compiles the collected credit information into in-depth credit reports. The CIC shares credit reports of…

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Swipe and Save: 10 Credit Cards with No Interest in the Philippines

Big-ticket purchases can get expensive, especially if you pay them in cash. However, there are plenty of “buy now, pay later” schemes that allow you to purchase high-ticket items without paying immediately. One of these schemes is the 0% interest installment plan for purchases made using a credit card. Table of ContentsHow Do Credit Cards with No Interest Work?Choosing the Right Zero-Interest Credit Card for YouInstallment periodMonthly interest rateAdded benefits10 Credit Cards With No Interest in the Philippines1. BDO Installment Card2. BPI Edge MasterCard3. Citi Simplicity+Features and BenefitsFees and Charges4. Eastwest Bank Gold MasterCard5. HSBC Red MastercardFeatures and BenefitsFees and Charges6. Maybank Standard MasterCardFeatures and BenefitsFees and Charges7. Metrobank M Free MastercardFeatures and BenefitsFees and Charges8. RCBC Visa Infinite CardFeatures and BenefitsFees and Charges9. Security Bank Classic Rewards MastercardFeatures and BenefitsFees and Charges10. Unionbank Classic VisaFeatures and BenefitsFees and ChargesFinal Thoughts How Do Credit Cards with No Interest Work? Credit cards with no interest mean you don’t have to pay interest on purchases charged to it for a specific period. This period is typically between six to 36 months, depending on the bank. Once this period ends, your card’s regular interest rate[1] will take over. You will also pay interest on other types of credit card transactions such as cash advances, overlimit, late payment, and balance transfer unless stated in the terms and conditions. Credit cards with no interest can be a great way to finance high-ticket purchases without shelling out a huge amount upfront. However, you have to keep up with your monthly payments to make sure you won’t…

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Your Guide to Using GrabCar Philippines in the New Normal

Metro Manila, among other cities in the Philippines, shifted to General Community Quarantine (GCQ) on June 1, 2020. People can now leave their homes without a quarantine pass, with employees going back to work no longer needing to obtain a travel authority. The transition also means that public transportation resumes—but in two phases. The first phase, which runs from June 1 to 21 allows trains, ride-hailing services, P2P buses, and bicycles among others to operate at a limited capacity. Other forms of public transportation such as public utility buses and modern PUVs will be allowed to resume operations on the second phase, which is proposed to run from June 22 to 30 [1]. Table of ContentsGrabCar in GCQWhat Is GrabCar Philippines?How to Book GrabCarGrabCar Operating Hours and Covered Areas During GCQGrabCar GCQ Guidelines for Drivers and PassengersCan my driver refuse my booking? GrabCar Strike SystemGrabCar Payment Options1. GrabCar via GrabPay. 2. GrabCar via Credit/Debit Card. How to Pay Cashless in GrabCar?GrabPay WalletCredit or Debit CardFinal Thoughts GrabCar in GCQ GrabCar Philippines, Grab’s ride-hailing service, resumed its operations in the first phase. Passengers can now book an authorized GrabCar vehicle to take them to their destination amid the GCQ. However, there are changes to the ride-hailing service as the country enters the new normal. Keep on reading to know more about GrabCar’s new operating hours, covered areas, payment options, and safety measures to ensure you have a secure, hassle-free ride. Read more: The New Normal: What to Expect After the Lockdown What Is GrabCar Philippines? GrabCar Philippines[2]  is a ride-hailing service…

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Best Cashback Credit Cards to Help You Save Money on Every Swipe

Get paid each time you spend with your credit card—isn’t that enticing enough to get a cash back credit card? But there’s more to credit cards with cashback than just swiping and earning rebates. Understanding how they work allows you to find the one that suits your spending habits and can maximize your spendings. Get started with this guide. Table of ContentsWhat is a Cashback Credit Card?Best Credit Cards with Cashback in PHBPI Amore VisaCiti Cash Back CardEastWest EveryDay Titanium MastercardHSBC Gold Visa Cash BackMaybank Platinum VisaSecurity Bank Complete Cashback MastercardShell Citi CardUnionBank Platinum MastercardHow Do Credit Cards with Cashback Work?How Do I Choose the Best Credit Card with Cashback?Types of Cashback Credit Cards in the Philippines1. Cards with Variable Cashback Rates2. Cards with a Fixed Cashback RateCashback Credit Card FeesHow to Redeem Cashback or Cash Rebate?Final Thoughts What is a Cashback Credit Card? A cashback credit card, also known as a rebate credit card, is a type of rewards card that earns you cash rebates for every purchase. These cards make your life simpler because unlike other rewards credit cards, you know exactly how much you’ll be paid back without dealing with complicated point systems. Apart from its convenience and simplistic rewards system, credit cards with cashback can help you save money, cover some of your expenses, and even build a good credit history. Cashback credit cards in the Philippines vary not only in their rebate rates but also the ways to earn and redeem some cash back. Best Credit Cards with Cashback in PH BPI Amore Visa Cashback…

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Working from Home? Take Note of These Home Energy Saving Tips

One of the perks of working from home is saving money on transportation and eating out. You can also have more time for yourself and your loved ones because you don’t have to waste precious hours battling through the daily traffic. However, a home office can spike up your household’s electricity bill, especially during the summer months when the sweltering heat leaves you no choice but to turn on your AC. Having said that, here are some home energy saving tips you can do to minimize your electric consumption: Table of ContentsHow to Save Electricity at Home: 12 Home Energy Saving Tips1. Unplug gadgets when not in use2. Work smarter hours3. Use a power strip4. Change your light bulbs5. Check for air gaps6. Consider painting your walls7. Turn on your computer’s energy saving features8. Take advantage of natural lighting9. Mind the kitchen10. Invest in smarter home office equipment11. Insulate your ceiling or roof12. Clean your appliancesFinal Thoughts How to Save Electricity at Home: 12 Home Energy Saving Tips 1. Unplug gadgets when not in use Your plugged gadgets and appliances, even when not in use, still consume electricity[1]. Standby electricity loss is often associated with electronics on idle mode. You can save as much as 15% on your electricity consumption when you unplug devices you’re not using. 2. Work smarter hours Another way you can save on your energy consumption while working from home is by cutting down the hours you’re on the computer. Instead of surfing the web every so often, organize your tasks and maximize your workday productivity. If you…

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What Is Distance Learning and How Does It Work?

Gone are the days of traditional classrooms and face-to-face learning. As the pandemic changes the way we live, the demand for a more flexible learning opportunity also increased. To address this growing necessity, schools all over the Philippines shifted to distance learning—a remote learning method where students don’t need to attend lectures and can study at their own pace. Keep on reading to know more about this set up and its difference with online learning. We also break down the pros and cons and list tools and resources you can use. Table of ContentsWhat Is Distance Learning?Distance Learning vs. Online LearningDistance Learning in the PhilippinesAdvantages and Disadvantages of Distance LearningAdvantagesDisadvantagesDistance Learning Tools and ResourcesDepEd Commons and Distance Learning in GCQFinal Thoughts What Is Distance Learning? Distance learning is a learning method where the teacher and student are separated geographically[1]. There is no interaction between students, and little face-to-face interaction between students and their teachers. In a distance learning set up, students may get their learning materials via snail mail, e-mail, or the internet. Learning assessments can be in the form of written exams or assignments, performance tasks, or portfolios. Students can also ask for support through the telephone, snail mail, e-mail, or instant messaging applications used by their teachers. Also known as correspondence education, this method originally targeted non-traditional learners such as full-time employees or those who couldn’t physically attend a classroom lecture. Because of the growing demand for alternative learning arrangements, distance education now caters to almost every type of student. Read more: The New Normal: What to Expect…

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