All Articles With Author : Moneymax

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

Car Insurance Companies: Where to Buy a Car Insurance Policy in the Philippines

Car insurance should offer more protection beyond the coverage of the mandatory CTPL. That’s where car insurance companies come in. In order to get the right coverage for your vehicle, you have to take note of all the options you have. And part of that is familiarizing yourself with all the car insurance companies in the Philippines. Here is a helpful list to get you started. How Auto Insurance Companies Earn According to the World Health Organization[1], 1.35 million people around the world die every year because of road crashes. If all of these people file a claim for their accident—amounting to millions or even billions of cash—will auto insurance companies still earn? The answer is yes. Despite millions of claims, car insurance companies still take home a profit ultimately contributing to industry growth. The concepts that keep car insurance companies profitable work the same way today as they did 40 or 50 years ago. This is why the industry keeps growing and why new insurance companies sprout almost every decade. To understand this better, here are three basic principles that make car insurance companies earn. 1. Premiums When you buy an insurance policy, you are required to pay a fee called a premium. Car insurance companies put this premium to short- and long-term interest-earning investments to grow and secure their funds. Interest earnings represent a large source of the overall profits insurance companies generate. 2. Underwriting Income Underwriting income derives from the difference between how much money insurers collect for policies and how much money insurers release when a…

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Starting a Family? Consider These 10 Family Insurance Types

You might be wondering if you really have to get different types of insurance when you already have so many expenses to deal with. Well, it’s a matter of protecting your loved ones and financially protecting yourself. Is family insurance just an added expense or a must-have for securing your family’s future? Insurance makes it affordable for you to prepare for any unforeseen events such as death, disability, illnesses, and accidents. If you get the right insurance type for your family, premium payments will cost you less now than upfront and out-of-pocket payments later. Ultimately, when the unexpected happens, insurance will lessen the financial burden to your family. What is Family Insurance? Family insurance covers the entire family for a set amount of premium. It could be a life, health, or education insurance. For example, if you get a family life insurance, your family members are covered in the event of your death. The insurance provider pays a lump sum to the surviving family of the insured person after a certain period.  This kind of insurance policy provides a financial security blanket to surviving dependents or beneficiaries after the policyholder’s death. Insurance is beneficial to everyone, particularly for families. Here are some examples of individuals who would most benefit from getting family insurance: Parents with minor children. If a parent dies, a family life insurance policy ensures that their children will have the finances they would need until they can support themselves. Families who want to cover their health expenses. A family health insurance can help parents cover the cost of health…

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Homeowner’s Detailed Guide to Mortgage Redemption Insurance

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

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

Using a smartphone to transfer money is now faster and more convenient thanks to mobile wallets and banking apps. However, most of these apps don’t allow senders to transfer money to accounts maintained in another application or financial institution. Enter InstaPay Philippines, an electronic fund transfer (EFT) service by the Bangko Sentral ng Pilipinas or BSP. Launched in 2018, InstaPay allows users to transfer money to another bank or non-bank institution that carries the facility. Keep on reading to know more about InstaPay Philippines and how you can use it to send money. What is InstaPay? InstaPay is an EFT service that allows clients to transfer money instantly between accounts of participating BSP-supervised banks and non-bank e-money issuers in the Philippines. It is governed by the Philippine Payment Management Inc. under the supervision of BSP. You can use InstaPay if you have an e-money account (with or without ATM or debit card) with one of the service’s participating institutions. Individuals, businesses, and government agencies can send and/or receive fund transfers with this facility. InstaPay aims to bring a safe and reliable retail payment system in the country, especially for real-time, low-value fund transfer transactions. Read more: How Online Banking Account Makes Things Easier Benefits of Using InstaPay Philippines Here are some of the advantages of using this EFT service: Receive and send money from another bank Transfer funds electronically Money is transferred real time Minimal transaction charges Available 24/7 and all year round InstaPay Participating Banks and Non-Bank E-Money Issuers Below is a list of participating InstaPay banks and financial institutions:…

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

The number of active COVID-19 cases in the Philippines continue to rise, forcing the government to place parts of the country in various levels of community quarantine. To minimize the transmission of the virus, the government has hired over 30,000 contact tracers. But what is the role of a contract tracer in the Philippines? Keep on reading to know learn about it and how you can be a contact tracer in the Philippines. What is Contact Tracing? Contact tracing is the method of identifying, evaluating, and managing individuals who have been exposed to COVID-19. When done effectively, contact tracing can help reduce the transmission of the disease. The process requires tracers to identify individuals who have been exposed to a positive COVID-19 patient. They also have to follow up on them daily for at least 14 days from the last point of exposure. According to the Department of Health, contact tracing helps the country’s battle against the pandemic by: Interrupting ongoing transmission Reducing the spread of infection Alerting close contacts from possible infection Offering preventative counseling or care What are the Responsibilities of  a Contact Tracer? Apart from the abovementioned tasks, the World Health Organization has also broken down the contact tracing process into three sub-processes. These are the main responsibilities of a contact tracer. 1. Contact identification When an individual tests positive for COVID-19, a contact tracer will then identify their most recent contacts. They would have to ask about their activities and people they have interacted with. Contacts can be anyone—from family members, co-workers, friends, and health workers….

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

More Filipinos are trying their luck in investment, according to a study conducted by Sun Life Asset Management Co. Inc. [1]. As compared to businesses like renting out a property that demands a larger capital, investments like a unit investment trust fund allows you to earn passive income even with small capital. Interested to know more about UITF? Learn all about it in this article and how it can jump start your investment journey. What is Unit Investment Trust Fund? UITF is a pool of investments funded by various investors. You can think of it as a basket with different fruits — one basket may contain mangoes, the other with pineapples, and a third basket contains a combination of two fruits. In the case of a trust fund, various holdings, instead of fruits, make up the investment. As with a fruit basket wherein you can decide which fruits to buy, professional fund managers handle and manage the holdings of UITFs. Since these professionals actively manage the fund, once you have set them up, you can sit back, relax, and make your money work for you. Different Types of UITFs in the Philippines There are four kinds of UITFs in the Philippines. Familiarize yourself with them below. Money Market Funds Money market UITFs have special deposit accounts and time deposits that mature at a specific date (usually a year or less). The yield you’ll get from money market UITFs is higher than what you’ll get from the interest in your savings account. This type of unit investment trust fund is suitable for conservative…

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

The COVID-19 pandemic has forced 26% of businesses in the country to stop operations[1]. Some even permanently closed their doors to customers. The Department of Trade and Industry (DTI) and Small Business Corp. (SBC) launched the COVID-19 Assistance to Restart Enterprises (CARES) Program. SBC Cares Program aims to help entrepreneurs get back on their feet. CARES offers DTI loans of up to PHP 500,000, and is part DTI’s Pondo sa Pagbabago at Pag-Asenso also known as P3 Program, first launched in 2017. The P3 and CARES programs are quite similar. However, CARES Program specifically accommodates entrepreneurs whose businesses were affected by the lockdown. Keep on reading to know more about these types of DTI loans and if you should apply for the CARES or P3 program. Read more: Reopening Your Business? Guidelines and Tips for Resuming Your Operations What is the DTI P3 Program? DTI launched the Pondo sa Pagbabago at Pag-Asenso or P3 program in 2017, starting with a PHP 1 billion budget. The program aims to discourage underprivileged business owners from borrowing money from loan sharks[2]. DTI partnered with SBC to lend loans from customers from the country’s top 30 poorest provinces. More than 250 microfinancing institutions (MFIs) are accredited by SBC to assist in the distribution of the P3 funds to micro, small, and business owners. How much can I loan from the P3 Program? You can borrow DTI loans amounting from PHP 5,000 to PHP 200,000 with an interest rate of 1.5%. There is also no service charge for the loan process. SBC partnered with over 250…

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

The number of credit cardholders in the Philippines increased from 7.5 million in 2013 to 9 million in 2018[1]. Apart from the different credit card types and perks offered by banks, the convenience brought by a credit card online application may have also played a part in the increase. Traditionally, you need to head down your bank’s nearest branch to apply for a credit card. You would have to wait in line for your turn to submit your requirements and wait for approval, which can be time-consuming. Thanks to modern technology, long queues for credit card applications have become a thing of the past. Online application allows potential customers to apply for a card at the comforts of their homes. Why You Should Apply for a Credit Card Online A credit card online application offers various advantages compared to its traditional counterpart. Here are some of them: Convenience This is probably the number one reason why more and more people prefer online credit card applications. You don’t have to spend time going to your preferred bank’s nearest branch and wait in line. There is no extra time wasted as you can just submit your requirements for a credit card through your preferred bank’s website. All you need is a computer with internet access. Access to a wide range of credit card products Traditionally, if you want to compare credit cards from various issuers, you need to visit each institution separately or call up different hotlines to review their offerings. These days, you can look up credit cards offered by various issuers…

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Mental Illness in the Philippines: Cost of Therapy and Medication

Mental health is a growing concern in the Philippines. According to the Department of Health (DOH), at least 19 million Filipinos experience psychiatric problems[1], with schizophrenia as the top mental issue. Suicide caused by mental illnesses is a pressing issue as well–at least three men and two women commit suicide for ever 100,000 Filipinos. Apart from the stigma surrounding mental health, the cost of therapy is also quite steep, with one therapy session costing up to PHP 4,500 in Metro Manila. “We need to start talking about depression to end the stigma surrounding mental health because, when left unattended, it can lead to suicide,” the DOH said in a statement[2] released late last year. Mental health affects everyone: rich and poor, celebrities and laypeople, children and adults alike. In this article, we listed down resources and institutions where you can get help for you or your loved ones suffering from mental illness. Breaking the Stigma of Mental Health It’s easy to brush off depression, anxiety, and other mental illnesses since we don’t see them. However, we need to understand that mental illness is real; it’s not something that goes away after a good night’s sleep. In 2018, PRRD signed the Philippines Mental Health Bill into law[3]. Authored by Senator Risa Hontiveros, the act aims to integrate psychiatric services and programs in the public health system to support depression in the Philippines and generally Filipinos suffering from mental illnesses. This also paves the way for a clearer understanding of mental health in the Philippines. Treatment Facilities for Mental Illness At present, there are…

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Applying for a Credit Card? Prepare These Credit Card Requirements First

Credit cards can help you build a good credit history and save money with numerous benefits and rewards. Despite these perks, only less than 10% of Filipinos own a credit card[1]. Perhaps, many are discouraged by credit card requirements imposed by banks. In addition, many individuals are deterred by credit card debt—even if debt and credit cards do not come together[2]. Credit cards, when used responsibly, can be great for your financial well-being. Preparing for the application is vital to ensure that you’re getting the best chance of approval. To help you get your application ready, we listed down the credit card requirements from some of the top banks in the country. Credit Card Requirements in the Philippines AUB Credit cards offered: Easy Mastercard Classic Mastercard Gold Mastercard Platinum Mastercard Eligibility: Must be 21 to 65 years old Must be a Filipino citizen or local resident foreigner For employed: must be employed for at least a year For self-employed: business must be operating for at least a year Basic credit card requirements for AUB: One valid ID Accomplished application form Proof of income (pay slips, latest BIR form 2316, Certificate of Employment, etc.) DTI/SEC Registration for self-employed applicants Alien Certificate of Registration for foreign applicants Processing time: Seven to 10 working days upon submission of complete requirements BDO Credit cards offered: Visa Classic Standard Mastercard ShopMore Mastercard Gold Mastercard Titanium Mastercard For a more complete list, visit the BDO website. Eligibility: Must be 21 to 70 years old Must be a Filipino citizen or local resident foreigner Gross annual income…

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How Much Money Should I Save for a Child’s Education?

Have you started saving for your child’s future? If so, are you saving enough? To say that the cost of education in the Philippines is expensive is an understatement. Higher Education Institutions in the country increase their tuition and other fees by about 10% year-over-year[1]. However, financially preparing for your kid’s future is doable, if you do it early. Now, you might be asking: how much do I need to save to provide for my child’s education? The amount you need to build your child’s tuition fund depends on a lot of factors, including the cost of education, how long you’ll save, and everything in between. Top Universities in the Philippines and Its Tuition To help you better understand how much you need to save for your child’s education, here are the tuition and fees in some of the top universities in the Philippines: 1. Ateneo de Manila University Annual cost of tuition: PHP 170, 000 to PHP 190, 000 One of only seven Philippine universities in the 2020 QS World Universities Ranking[2], Ateneo offers elementary, high school, college, and graduate education. The university offers competitive programs in sciences, liberal arts, law, management, and engineering. 2. De La Salle University Annual cost of tuition: PHP 200, 000 to PHP 230,000 De La Salle University or DLSU offers courses in communication, sciences, engineering, business, and technologies. The university has three terms, with each term costing an average of PHP 70,000. 3. University of the Philippines Diliman Annual cost of tuition: PHP 35,000 to PHP 50,000 UP Diliman has over 20,000 students…

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P2P Bus Routes and Schedule for Commuters in GCQ

After two weeks of Modified Enhanced Community Quarantine (MECQ), Metro Manila and its nearby provinces are now back under General Community Quarantine (GCQ). It means that public transportation, such as P2P buses, has also resumed[1]. If you’re planning to travel around the metro and nearby provinces, knowing available P2P bus routes and their schedules can make your commute easier and safer. However, just because this mode of transportation is once again available doesn’t mean you should go out for non-essential travel. It’s still best to stay at home as much as possible. Keep on reading to know P2P bus routes and schedules in GCQ plus tips on how you can travel safely. P2P Bus Routes to and from Provinces During GCQ As of August 2020, these are the P2P bus routes servicing passengers from Metro Manila and nearby provinces: Alabang to Makati Alabang to Mandaluyong Antipolo to Makati Antipolo to Quezon City Bacoor to Alabang Bacoor to Makati Cainta to Makati Calamba to Makati Calamba to Manila Calamba to Taguig Dasmariñas to Alabang Dasmariñas to Makati Imus to Makati Katipunan to Makati Las Piñas to Makati Malolos, Bulacan to North EDSA Novaliches to Makati Sta. Maria, Bulacan to North EDSA Sta. Rosa, Laguna to Makati Taguig to Mandaluyong P2P Bus Schedule and Fare Guide Now that you know the available P2P bus routes in GCQ, you can take a look at their schedules below. Take note that posted schedules and fare are updated as of August 2020. For more updates, you may visit the respective Facebook pages of the bus…

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Smart Tips to Improve Your Personal Loan Application

Personal loans serve as a quick financial solution, especially if you need money for an emergency. There’s no need to wait for the next payday or borrow money from a friend. However, before you hurry and submit your personal loan application, you need to get a few things in order. Banks and other lending institutions will review your credit history before granting you a loan. Here are nine personal loan tips that can help improve your loan application: 9 Personal Loan Tips to Help Improve Your Application 1. Be Realistic with Your Numbers Make sure you’re borrowing an amount you can realistically pay. You can use the debt-to-income ratio to measure how much of your salary should go to loan repayments. Debt-to-income ratio is a personal finance measure that compares an individual’s monthly debt payment to his or her monthly gross income[1]. How to compute debt-to-income ratio? For example, your monthly gross income is PHP 25,000, and your total monthly debt payments are PHP 9,500, your debt-to-income ratio is 38%. This means you spend 38% of your salary on monthly debt payments. It’s best to keep your ratio low because lenders may not approve your personal loan application. This is one of the top tips on getting a personal loan. 2. Understand the Types of Personal Loans Available You should learn about the types of personal loans in the market. You can get a secured or an unsecured personal loan, but what is the difference? A secured loan uses one of your assets as collateral. If you can’t repay the…

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Beginner’s Guide to Opening a UnionBank EON Account Online

More and more Filipinos are seeing the importance of having a bank account. In fact, the number of people with deposit accounts increased from 53.5 million in 2016 to 57.1 million in 2017[1]. It is no surprise especially now that opening a bank account can be done online. One of the few banks that offer this feature is EON from UnionBank. UnionBank EON provides an easy way to shop online, pay bills, and transfer funds. Keep on reading to know the types of accounts available and how you can apply for one. What is EON account? EON is one of the first fully digital banks in the Philippines. This neo banking platform allows clients to apply and access their accounts through the official EON website, or through the official UnionBank EON app. You can also get EON Visa cards at select UnionBank branches nationwide. The digital platform aims to “deliver convenient and secure banking services to individuals and communities”. UnionBank EON recently partnered with the Imus City local government to provide monetary assistance to Imuseños during the pandemic[2]. Different Types of UnionBank EON Accounts UnionBank’s EON offers five types of bank accounts, all depending on various budgets and needs. EON accounts serve as debit cards, which you can use to collect and add funds, send and receive money, and withdraw cash from ATMs here and abroad. EON account benefits and features: Move money to another EON account, another UnionBank account, or account in another bank Pay bills for utilities, water, telco, insurance, and more Purchase top-ups for transportation or credits for…

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Here’s Why You Should Never Miss a Credit Card Payment

It’s that dreaded time of the month—your credit card bill arrives, and you aren’t sure if you can pay off your total balance. You have other priorities on your budget, so missing a credit card payment becomes an irresistible option. After all, it won’t hurt as much as losing electricity when you don’t pay your utility bills. Or is it? Yes, it’s easier to forgo your credit card bill for a month. You can still use your card anyway. But the consequences can be more serious than you imagine. Here are five possible scenarios that can happen if you skip a credit card payment. What happens if I miss a credit card payment? It’s a One-Way Ticket to Debt Think one missed credit card payment won’t make a dent on your budget? Think again. When you start skipping a payment, your unpaid credit card bill will be carried over to the next billing cycle. But that’s not all. You’ll be paying a finance charge[1], which is the interest (with rates ranging from 2% to 3.54%) applied to your total amount due, which includes your remaining balance plus the outstanding balance. This compounding monthly interest will make it harder for you to fully pay your credit card bills on time. Thus, it’s easy to rack up debt with just one missed credit card payment. Aside from the finance charge, the bank will also charge you a late payment fee. Even if you just forgot to pay your credit card bill, you will still be charged as much as PHP 750 or…

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Steps to Getting a PRC ID: Online Registration and Renewal

After many sleepless nights reviewing for the licensure examinations, your hard work has finally paid off. You’ve passed the exam and can now practice your chosen profession. Congratulations! However, after donning your party hats and celebrating, you need to get your Philippine Regulatory Commission (PRC) ID. This ID is a requirement so you can start practicing your profession legally. In 2012, the PRC launched its online services to accommodate applicants wanting to take license exams[1]. The commission has since then extended its services to cater to professionals who would need to get and renew their PRC License and ID. Here is a step-by-step guide on how you can register for a PRC ID online. What is a PRC License? The Philippine Regulatory Commission was created in 1973, mandated to regulate various professions in the Philippines. The commission serves over four million professionals from over 43 regulated professions. It also caters to hundreds of thousands of aspiring professionals taking the licensure examinations every year. A PRC license proves that you are authorized to practice your profession. It is  issued to highly-skilled professionals such as architects, engineers, doctors, dentists, accountants, and veterinarians. Read more: PRC Online Application: Guide for Professionals in the Philippines What is a PRC ID? Also called the Professional Identification Card (PIC), a PRC (Philippine Regulatory Commission) ID proves that you are a registered professional in the Philippines. It also shows that you have the legal authority to practice your profession. In addition, the ID certifies that you are in good standing, meaning your PRC license was not withdrawn…

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HSBC Credit Card Promo 2020: 10 Offers You Should Not Miss

Do you have a credit card with HSBC? Make the most out of its use with an HSBC credit card promo. If you don’t have an HSBC card yet, you can immediately qualify for certain promos that cater to new customers. Here are 10 HSBC credit card promos you don’t want to miss this 2020. HSBC Credit Card Promo Offers for New Cardholders PHP 2,500 Cash Rebate with Your First HSBC Credit Card Eligible Cards: HSBC Red Mastercard, HSBC Gold Visa, and HSBC Platinum Visa Promo Period: May 15, 2020 to December 31, 2020 First-time cardholders are in for a real treat. Apply now for any eligible HSBC credit card online, spend at least PHP 5,000, and receive a PHP 2,500 cash rebate[1], no questions asked. That should set the mood of your first HSBC credit card experience. Read more: HSBC Credit Card Application: A Step-by-Step Guide for First Timers HSBC Credit Card Promo Offers for Travel 10% Off on Agoda Bookings Eligible card: HSBC Premier Mastercard Promo period: January 1, 2020 to December 31, 2020 Stay period: Now until June 30, 2021 Planning to escape to various destinations once the quarantine is lifted? Enjoy an exclusive 10% discount when you use your HSBC Premier credit card to book an accommodation at an eligible hotel via Agoda[2]. Read more: What is the Perfect HSBC Credit Card for You? Up to 20% Off at Fairmont Makati Eligible card: All HSBC credit cards Promo period: March 15, 2020 to December 30, 2020 Make your staycation more memorable by using your HSBC credit card at Fairmont Makati[3]. Get 20% off on…

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Got a New Car? Here’s What You Should Before Hitting the Road

The existing public transportation system in the Philippines left us with no choice but to wake up early and fight through long MRT lines and bumper-to-bumper traffic. According to a 2016 survey, three in 10 Filipinos dread commuting[1] and buying a new car seems to be the most sensible solution to our traffic woes. After months of saving and obsessively researching for the best car in the market, you’ve finally bitten the bullet and got a car. Now what? It isn’t as easy as driving off with your ride. We listed down things you should do after buying a new car to help you have a smooth start. 11 Things to Do After Buying a New Car 1. Register Your Vehicle You can’t drive your vehicle on open streets until it’s registered. If you buy a car from a dealer, they may provide you with at least a temporary registration for the car. Registrations for brand new cars are typically handled by the dealer. However, in the off chance that you must do the registration process on your own, you would need the following basic requirements: Original sales invoice Appropriate insurance certificate of cover TIN ID Original certificate of stock reported (CSR) Original PNP-HPG MV clearance certificate You must also have your car tested for emissions and obtain the results. Once you get the result, you have to submit all necessary documents to your nearest LTO branch, pay the fee, and wait for your registration. Read more: Complete Guide to LTO Car Registration and Renewal 2. Get Car Insurance The…

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Financial Tips for Couples: How to Manage Finances With Your Other Half

When couples get married or move in together, they naturally take shared responsibility for their money along with their lives. How to split finances becomes one of the most important and urgent matters to settle from the get-go. There is no one-size-fits-all rule when it comes to money management for couples. However, you can start by openly communicating with your partner about your shared finances. Here are financial tips for couples to get you started: Effective Financial Tips for Couples Communicate Openly Talking about money can be quite awkward. It’s not something that comes up in a free-flowing conversation. However, you and your partner should be comfortable enough to discuss your finances. Have a formal discussion about your finances and be prepared to put it all out there—your salary, debts, assets, and goals. Talk about your financial worries and spending habits. It may take time before talking about money becomes more natural to both of you, but it’s a necessary move that can help set you in the right direction. Read more: How to Budget as a Couple with Nico Bolzico Understand Each Other’s Money Personality The key to good financial health and marital bliss is knowing and understanding each other’s views and behavior towards money. If you know what to expect, you can make compromises, and there won’t be as many unpleasant surprises along the way. Discover your money personality as well as your partner’s. Set Your Financial Goals Together One of the most important financial tips for couples is talking about your financial goals. Identify what you want to…

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Online Job Sites to Help You Look for Work During the Pandemic

Ah, job-hunting. It’s challenging, nerve-wracking, and especially difficult during these trying times.  How many times have you visited online job sites only to feel overwhelmed? But hey–it’s perfectly normal to feel rejected during this pandemic, what with all the uncertainties and the increasing COVID-19 cases in the Philippines. Lockdown fatigue is real. In fact, experts say that it’s normal to feel groggy and tired during a lockdown because your routine is shaken up[1]. But then again, part of you wants to get cracking. You still want to hunt for your next job–and maybe you’ll find your dream role if you push through. But where should you start?  Fear not, we have you covered. Here are some of the top online job sites in the Philippines to help you out on your job search: Online Job Sites in the Philippines 1. JobStreet  Website: www.jobstreet.com.ph One of the leading employment marketplaces in Asia, JobStreet has been a go-to online job site for professionals and fresh graduates. The website is easy to navigate and offers more than 30,000 job postings. You can also download their app to look for jobs while on the go. To start applying, you have to create an account first.  You also have to create a JobStreet profile, which reads like a resume. However, it’s best to upload a copy of your actual resume when posting on online job sites. There are thousands of job postings in JobStreet—from customer service roles to opportunities in the education sector. You can search for jobs by title, skills, employment type, or industry. JobStreet…

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