All Articles With Author : Moneymax

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

Financial Comparison Made Easier: Moneymax Improves Digital Experience for Consumers

How hard is it to choose the right insurance? To apply for a credit card or a personal loan? It can be difficult and confusing, with so many products to choose from. Getting the right product can be a pain, and failing to compare options can lead to making wrong financial decisions. Moneymax, an online comparison platform for financial products, strives to address such common consumer pain points. Established in 2014, Moneymax is one of the leading financial technology companies in the Philippines, providing Filipinos with a free platform to compare car insurance, credit cards, and loans. Apart from this, Moneymax aims to help Filipinos lead healthier financial lives through their personal finance blog and social media communities. Pearl Gonzales, Moneymax Co-General Manager, shares: “Given the community quarantine restrictions, customers rely on our help in fulfilling their financial needs in the comfort of their home. Moneymax makes it easy for them to compare, apply for, and secure a financial product online.” Convenient Services, Competitive Rates for Car Insurance Apart from being a free-to-use comparison platform, Moneymax is a licensed insurance broker offering end-to-end car insurance services. The whole car insurance process—from choosing a policy to filing a claim—can be done on the Moneymax website. Clients don’t need to pay a single centavo to compare and choose the right car insurance policy. Additionally, Moneymax offers some of the most competitive car insurance rates in the market, making it cheaper and easier to insure a vehicle.  To provide more insurance options, Moneymax recently partnered with two of the biggest non-life insurance companies…

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SSS Pension Computation: How Much Will You Receive When You Retire?

It’s better to just set things straight away: the pension you’ll receive from the SSS won’t be enough to fund your retirement plan. As early as now, invest in a retirement savings plan to provide for your future self to live comfortably beyond 60 years. Having said that, you should learn how to compute your SSS pension since it will become a consistent source of income when you’re past your prime. The amount you’ll receive may not be ideal for an extravagant lifestyle, but it’s better than not having any pension at all. As per Republic Act 11199 or the Social Security Act of 2018, SSS monthly premiums increase by 1% every other year until 2025. However, the Senate has recently approved Senate Bill 2027 that seeks to authorize the President to hold off the SSS contribution hike for a limited period of six months. The deferment could be extended for a further six months.[1] How will this contribution hike affect your SSS pension in the future? If you want to know how to compute your retirement pay from SSS, keep reading. Get your calculator ready and start planning the future with this helpful SSS pension computation guide. How to Compute Your SSS Pension There are two ways to calculate your monthly SSS pension. You can either compute manually or online using the SSS website. Manual SSS Pension Computation The big question you’re probably asking yourself is, “How much is my SSS pension?” Your SSS monthly pension will depend largely on your paid contributions, your number of active years as…

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CIMB Online Banking: Beginner’s Guide to Account Application and Using CIMB App

Convenience is among the things that banks promise or sell to their customers. However, only a few actually deliver. This is because a lot of banks still have complicated bureaucracies and unnecessary processes, which undeniably make banking a burdensome chore. If you’re after total convenience when it comes to banking, going digital is a great choice. In case you’re looking for a bank whose operations are completely online, CIMB Bank is worth considering. Here are all the important things you need to know about CIMB Bank, particularly how to use the CIMB Online Banking app, from opening an account to carrying out some basic banking transactions. What is CIMB Bank? CIMB Bank Philippines[1] is a completely digital and mobile-first bank. It is part of the Malaysian universal bank CIMB Group Holdings Berhad. CIMB stands for Commerce International Merchant Bankers. Related: Fully Digital Banking: What You Need To Know About the Future of Banking Is CIMB Bank Legit? Since its establishment in the Philippines in December 2018, it has already onboarded more than three million customers. Through this, CIMB Bank PH has become the most awarded digital bank in the country. It bagged 21 awards including the International Finance’s 2020 Best New Digital Bank Philippines. It also received recognition and accolades from Finance Review.[2] How Safe is CIMB Bank? CIMB Bank has tight security features to protect its clients from fraud and identity theft. Here are the app’s security features: MPIN: Also known as mobile PIN, MPIN is a combination of six digits that is sent to you only when you…

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Bayanihan 2 Loan Extension and Grace Period: What Borrowers Should Know

Last year, the unprecedented effects of the pandemic hit everyone financially. Due to lockdowns and restrictions in mobility, a lot of economic activities were either completely halted or temporarily discontinued. This caused people to tighten their belts, which in turn had directly affected their capacity to pay their debts and settle financial obligations, such as loans and credit card bills. To address the Filipino borrowers’ common dilemma, the government had implemented the Bayanihan to Recover as One Act or Bayanihan 2. You might have already heard about it, but what exactly is it? This article will fill you in on the details of the said law and how it affects your loan or credit card payments. FAQs on Bayanihan Act 2 Loan Extension and Grace Period 1. What is the purpose of Bayanihan Act 2? Formally known as Republic Act 11494,[1] the Bayanihan to Recover as One Act (Bayanihan Act 2) is created to provide a response that will deal with the effects of the COVID-19 pandemic in the Philippines. The Act’s Section 4 directs all banks, quasi-banks, financing companies, lending companies, real estate developers, insurance companies, pre-need companies, GSIS, SSS, Pag-IBIG, and similar entities to implement a one-time 60-day grace period for the payment of all existing, current, and outstanding loans. This provision covers the following types of loans: salary, personal, housing, commercial, motor vehicle, amortizations, financial lease payments, premium payments, and credit card payments. Basically, the law allows you to delay your loan payments under specific conditions, which will be tackled later in this article. 2. How does the…

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8 Credit Card Myths You Should Stop Believing

Do you really believe everything you hear about credit cards? Think again. Believing in wrong assumptions about credit cards can hurt your credit score, cost you more money, and have you miss out on the benefits of credit card rewards. Stop being misinformed. Know the common credit card myths Pinoys fall for and the real deal about credit cards. 1. Credit Cards Will Drown You in Debt “Huwag kang kumuha ng credit card! Mababaon ka lang sa utang.” Heard this already from your family or friends? Many Filipinos are still afraid of owning a credit card because it will only leave them in debt due to interests and other charges. Credit cards are also perceived as a big temptation to overspend. With a credit card in your wallet, it’s easier to give in to impulsive buying. Well, it’s somewhat true, but it depends on how you use it. You can actually save money if you’re strategic about using your card. You just need to be disciplined each time the urge to splurge props up. You also need to learn how to take advantage of credit card rewards, rebates, and promos. Some millennial travelers can travel for free using their rewards points! Responsible use of your credit card also helps build your credit score, which banks and lenders use as a basis for loan approvals. By paying your credit card bills on time and consistently, you can build a better credit score. So, if you’re planning to start a business soon and apply for a loan to get capital funding, you might want to think of…

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Your Simple 5-Step Guide to UnionBank Credit Card Application

UnionBank is one of the most trusted banking institutions in the Philippines. In recent years, it has captured the attention of younger clientele and even customers from competing banks because of its advanced and user-friendly mobile banking app. It might be even through this app that you’ve become curious about the potential this bank holds, especially when it comes to credit cards. UnionBank credit cards have a lot of features and benefits. Among the most exciting features are longer credit terms, flexible monthly payments, and an installment program with 0% interest. The bank even allows you to share credit card access with family and friends. The bank’s credit cards also offer exclusive discounts on dining and shopping. So, if you want to have the first dibs on leisure-specific perks, a UnionBank credit card makes a good choice. Here’s your guide to UnionBank credit card application. How to Apply for a UnionBank Credit Card If you want to start your UnionBank credit card application, here is an easy five-step guide to follow. 1. Know If You’re Eligible for a UnionBank Credit Card Before you proceed with your application, you should know first if you qualify for a credit card from UnionBank. UnionBank Credit Card Requirements 18 to 70 years old Accomplished application form Valid government-issued ID bearing your photo and signature Proof of income (any of the following): Income Tax return (ITR) or Certificate of Compensation Payment and Tax Withheld Certificate of Employment or Employment Contract Latest three-month payslips BIR Form 2316 Proof of pension Copies of Bank of Statement of…

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The Costs of Owning a Dog: Maintenance, Vaccinations, Vet Check-ups, and More

For some of us, the ideal best friend is a furry, hyperactive, and four-legged creature. If you want someone to keep you company or someone who loves warm cuddles, an adorable dog will surely fit the bill. Owning a dog has undeniable benefits. According to the reputable mental health publication HelpGuide, playing with a dog can elevate the levels of serotonin and dopamine.[1] In other words, dogs help you relieve stress. However, one truth remains: owning a dog can be stressful, too! This is especially true when it comes to dog care costs.  Taking care of younger pets, in particular, is not only physically taxing but also financially demanding. If you’re single and taking care of a dog, you’ll be somewhat forced to try your hand at child-rearing even if you don’t have a kid! With that, you need to be emotionally and financially prepared before you take home a pooch. Otherwise, you’ll end up neglecting your pet, which of course is not a great thing to do. Below is a comprehensive guide that will give you all you need to know about owning a dog, from costs to becoming a responsible fur parent. How Much Does Owning a Dog Cost in the Philippines? The Philippines has many dog breeds, ranging from the beloved aspins to regal toy poodles. In case you’re looking for a dog with a good pedigree, here’s a list of breeds that are popular in the country, including their estimated prices. Shih Tzu: PHP 5,000 – PHP 25,000 Originating from China, this small dog is known…

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11 Helpful Tips to Get Your Pag-IBIG Housing Loan Approved

Owning a home is a milestone that many Filipinos will always be proud of. For some, it’s a sign of financial independence. For others, it’s a status symbol. A lot of us consider this purchase a significant investment. A real estate property is expensive. Also, the acquisition process can be complicated. Successfully overcoming these grueling steps certainly feels like a victory. But did you know that owning a home can be easier than you expect? This is possible through the Pag-IBIG housing loan. With interest rates for as low as 3% over repayment terms of up to 30 years, this loan from the Pag-IBIG Fund is one of the more affordable and flexible home financing schemes in the Philippines. If you’re planning to apply for this loan, we’ve come up with a simple primer that covers the program’s basics, plus Pag-IBIG housing loan tips to increase your chances of getting approved. How Pag-IBIG Housing Loan Works According to the Pag-IBIG Fund, the housing loan allows you to borrow up to PHP 6 million for any of the following purposes:[1] Residential lot purchase House and lot purchase Condominium unit purchase Residential lot or unit purchase (including the cost of transfer of title) Home improvement Home loan refinancing A Pag-IBIG housing loan application isn’t as easy as it sounds, though. Neither is getting approval for the loan. It will take so much of your time, energy, and even money to comply with all the eligibility and documentary requirements. If you plan to finance your new home through Pag-IBIG, you have to understand…

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34 Food Franchise Businesses You Can Start Under P1 Million

Negosyong patok ba ang hanap mo? If you have less than a million pesos, how far can it go? With the huge popularity of food carts today, you might make it big with a franchise business in the Philippines. Why a franchise business, you ask? Franchising is a sound business model. It allows aspiring entrepreneurs to leverage the strong brand recall and business operating systems of popular brands. They can achieve this at relatively lower costs than starting a business from scratch. Food is one of the best businesses to franchise in the Philippines. Filipinos love to eat. You can always find food stalls and food carts inside malls, train stations, and other public areas. Whether Filipinos are hungry or not, they like to have options wherever they may be. See all these money-making opportunities? Check out this list of potentially profitable and affordable franchise businesses in the Philippines. It’s a mix of both well-recognized and up-and-coming food and beverage brands with a starting business capital of PHP 50,000 to PHP 1 million. Whether you’re looking for an affordable pizza franchise in the Philippines or a more high-end coffee in-line store, you can find it on this list. Food Franchise Business in the Philippines to Consider  Potato Corner Food Cart, Kiosk, or In-Line Store Franchise Minimum initial investment: a. Food cart: PHP 200,000 b. Kiosk: PHP 400,000 c. In-line store: PHP 500,000 Package inclusions: Franchise fee, food cart, franchisee and crew training, equipment, small wares, and initial supplies Average payback period: 1.5 years Potato Corner franchise details[1] Contact information: iwantfranchise@potatocorner.com…

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Drive and Earn: How to be a TNVS Driver or Operator in the Philippines

Everyone wants to earn extra cash. After all, people have their own families to support and a future to prepare for. If you have a car and a lot of free time in your hands, why not consider working as a driver? Earn income from driving people around the city or using your car as a ride-hailing service. You can be a driver or operator for one of the transport network vehicle service (TNVS) companies in the Philippines. Yes, you can join TNVS companies, such as Grab, Hype, and OWTO. But don’t join a ride-hailing company yet—there’s some work that you need to do. The requirements can be quite a handful. But don’t worry, we’re here to simplify things for you. What You Need to Join a TNVS in the Philippines 1. Your Own Car This is an obvious requirement. But just because you have a car doesn’t mean you’ll easily become a TNVS driver or operator. TNVS companies have their own sets of requirements when it comes to vehicles, so make sure to check them first.  2. TNVS Registration with the LTFRB You won’t become a legitimate TNVS driver unless you’re registered with the Land Transportation Franchising and Regulatory Board (LTFRB). To operate, you need to have a TNVS permit. The Board issues two kinds of permits: the Provisional Authority (PA) and the Certificate of Public Convenience (CPC). What is PA / CPC? The PA is the first permit issued to successful applicants. If you receive this, you can operate for 45 days. The CPC, on the other hand,…

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LTO Violations Every Motorist Should Take Note Of

Even the most careful drivers can get a ticket at least once in their lives. Whether it’s for smoking in a non-smoking area or for throwing garbage at the wrong place, we’ve all paid fines for doing something we shouldn’t.  If you’re a motorist in the Philippines, chances are you’ve already received a ticket from the Land Transportation Office (LTO) for violating a traffic rule or two. We sympathize because we’re all just humans. There are some days when you just forget or lose your cool. However, the goal is to not be fined or penalized again. You can certainly achieve that by being a responsible and knowledgeable motorist and taking note of these LTO violations. LTO Fines and Penalties for Traffic and Administrative Violations License-Related LTO Violations 1. Driving Without License LTO fine: PHP 3,000 Going for a quick drive but too lazy to get a driving license? Think twice before starting your vehicle then. The penalty for driving without a license in the Philippines is a hefty PHP 3,000. This driving without license fine also applies to having a delinquent, expired, suspended, revoked, improper, or fake driver’s license. Heads-up for student drivers! You’ll also pay this no license penalty when you’re caught driving without a duly licensed driver as a companion. Read more: LTO Student Permit Application Guide for First-Time Drivers How to Get a Driver’s License in the Philippines 2. Not Wearing a Seat Belt LTO fine: PHP 1,000 to PHP 5,000 Wearing your seat belt should be the very first thing you do when you get…

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Financial Tips for Couples: How to Balance Love and Money

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. How do couples manage finances? There is no one-size-fits-all rule so here are some financial tips for couples to get you started. Effective Financial Tips for Couples 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 achieve together and how you’ll get there. Some considerations you must discuss with your partner: How to budget your daily household expenses Splitting of living expenses and bills Ways to pay off debts accumulated separately or together How to handle financial emergencies Saving and investment strategies Read more: Getting Married in the Philippines? Here’s What Couples Must Do Find a Money Management Strategy that Works Decide on a strategy for managing your money together based on your shared financial goals. Consider these five money strategies when exploring the way to share finances as a couple: Keeping your finances separate Combining finances completely Managing joint and individual accounts Living off of a spouse’s income Living off of…

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Where to Live and Invest in the Philippines? Here are Our Top Picks

When buying a property, the age-old wisdom on real estate investment that says “location, location, and location” still holds true today. While it’s seemingly redundant, the intention is there—to make investors understand the value of location in the home purchase decision. Properties with direct access to essential amenities and facilities, such as schools, workplaces, hospitals, churches, and transport terminals, provide convenience. This is why a lot of us are drawn to big cities and metropolitan areas. The struggle when it comes to purchasing a home, however, lies in one fact: prime properties are expensive. Property developers have been creating communities outside of Manila. This move gives you a chance to find properties that are not yet that expensive. Moreover, it will benefit everyone in the long run: major cities will be decongested, and provincial cities and towns will be put in the spotlight. If you’re looking for the best places to live in the Philippines, here are some of your top considerations. 9 Best Places to Live in the Philippines Best Places to Live in Luzon Bulacan Located at the edge of Metro Manila, Bulacan is one of the ideal places for your real estate purchase. The province’s economy is on the rise, and it provides that much-needed breather while still making sure you can easily head back to Manila whenever you need to. San Jose del Monte City is one of the best places in Bulacan that will satisfy your dreams of leading a suburban lifestyle. Major real estate developers, such as Ayala Land, are building townships here. One…

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15 Exciting Citibank 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 their exclusive deals this year. You’ll definitely want to avail these Citibank promo offers before they expire. So what are you waiting for? Check out our curated list of the best Citibank credit card promos and take your pick! Citibank Promo Offers for New Cardholders Citi Grab Credit Card Promo Citibank has launched its newest co-branded rewards credit card with ride-hailing platform Grab. Loads of money-saving deals[1] are up for grabs for Citi Grab Credit Card applicants and cardholders! Just completing the online Citibank credit card application will earn you free 50 Grab rewards points. Once you get approved for a Citi Grab card, use it to top up your GrabPay wallet with 1,000 credits to receive vouchers worth PHP 2,000. When you’ve spent at least PHP 10,000 with your new Citi Grab card within 60 days from receiving it, you can redeem your welcome gift—PHP 5,000 GrabPay credits. This promo is valid until February 28, 2021. From now until June 30, 2021, you can earn 10x bonus rewards points for every PHP 30 spend, with a maximum spend of PHP 10,000. You’ll also get 3x bonus points on dining, online subscriptions, and entertainment purchases. You can also earn PHP 2,500 Grab credits for every successful Citi Grab Credit Card referral from May 11, 2020 to March 31, 2021[2]. Read more: Citibank Credit Card Application: An Easy 5-Step Guide Citibank Promo Offers for Dining 50% Off Every Saturday at The Bistro Group Eligible Cards: All Citibank…

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MMDA Violations and Fees Every Motorist Must Know About

Everyone who drives tries their best not to violate any traffic rule—that’s a fact. Sometimes, though, you’ll find yourself fined for an MMDA violation. “I didn’t know” is definitely not something you can say to get out of trouble. As a motorist, you’re obliged to observe traffic rules and regulations. Moreover, you must be updated on the penalties that come with certain traffic violations and misconducts. Don’t worry, we’ll fill you in on that. Here is a list of MMDA traffic violations and penalties you should know about. For your reference, we have also included the MMDA violation code sheet[1]. MMDA Violation and Penalty Fee List License-Related Violations and Penalties These violations usually involve your driver’s license—any misuse, failure to carry it while driving, or failure to renew it. Read more: LTO Student Permit Application Guide for First-Time Drivers How to Get a Driver’s License in the Philippines License Plate and Registration-Related Violations and Penalties These violations involve the license plates issued to the driver upon registration, as well as those related to your vehicle registration. Read more: Complete Guide to Car Registration and Renewal in the Philippines LTO License Plate Updates and Rules Car Owners Must Know Common Driving Violations and Penalties These violations are among the most committed by experienced and newbie drivers in general. They involve disregarding driving laws, traffic signs, and traffic rules that endanger the safety of the driver, passengers, and other motorists on the road. Take note of the MMDA violation and penalty fee table below. Keep in mind that this list includes only…

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25 Small Business Ideas You Can Start With Low Capital

  Because of social media and the changing interests of consumers, demand for products and services continues to grow. Filipinos are more open to new brands and establishments, allowing the business industry to flourish more quickly. In fact, over 99% of registered businesses in the Philippines are micro, small, and medium enterprises (MSMEs)[1]. This number may have grown during lockdown as more small businesses launched online. You can be your own boss and grow your finances by starting your own venture. Here are 25 small business ideas in the Philippines you can set up even with low capital. Small Business Ideas in the Philippines to Start With 10k Homemade Beverage or Palamig Business Start-up cost: PHP 500 to PHP 5,000Items to invest in: Ingredients, purified water, containers, plastic bottles Selling ice-cold drinks is one of the low-cost yet profitable negosyo ideas in a tropical country like the Philippines. Ice-cold milk teas, coffees, and fruit drinks are a hit during summer, but can be sold all year round. For as low as PHP 500, you can start selling your drink concoction. Home-Cooked Meals Start-up cost: PHP 1,000 to PHP 8,000Items to invest in: Meal ingredients, plastic containers, kitchenware Selling home-cooked meals is one of the most enjoyable low capital business ideas, especially if you have a passion for cooking. It’s time-consuming, but you would only need a capital as low as PHP 1,000 for this business. You can advertise your meals online on social media for a start and only cook meals on a made-to-order basis. Read more: How to Register Your…

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Car Insurance Companies in the Philippines: Where to Buy Your Next Policy

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 plus tips to get you started. How Do 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, auto insurance companies still take home a profit ultimately contributing to industry growth. The concepts that keep car insurance companies in the Philippines 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 insurance providers earn. 1. Premiums When you buy an insurance policy, you are required to pay a fee called a premium. Insurance providers 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 client files a claim. For example, if a client pays PHP 20,000 for a premium policy…

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12 Best Air Miles Credit Cards for Cheaper Travel in the New Normal

Do you love to travel? The fact that you’re reading this right now means you’re at least planning to travel in the near future. But sadly, travel isn’t exactly a luxury at this moment when COVID-19 is still around. The pandemic will end eventually, so don’t cancel your air miles credit card just yet. The next best thing you could do is earn travel points while planning your next getaway. In that case, you definitely need to get the best miles credit card. Finding the right one is easier now more than ever. Compare your options with this comprehensive list of best credit cards for miles in the Philippines. Best Miles Credit Cards in the Philippines AUB Platinum Mastercard ✈️ How to earn miles: Get 1 Mabuhay Mile for every PHP 33 spent 💸 Annual fee: Free for life! 🧳 Other travel perks: Free access to SkyView Lounge at NAIA Terminal 3 and Pacific Club Lounges at NAIA 3 and Clark International Airport Double credit card rewards points for overseas purchases BPI SkyMiles Platinum Mastercard ✈️ How to earn miles: Get 1 Delta SkyMiles mile per PHP 45 spent 💸 Annual fee: PHP 5,000 (waived for the first year) 🧳 Other travel perks: Earn 2x miles for every PHP 45 spent on Delta Air Lines tickets Travel insurance coverage of up to PHP 20 million Exclusive pre-departure access to the Pacific Club at NAIA Terminal 3 Citi PremierMiles Card ✈️ How to earn miles:  Get 1 PremierMile for every PHP 30 spend. 1.6 PremierMile is equal to 1 mile, which…

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Quick Guide to Applying for SSS Salary Loan Online

The COVID-19 pandemic has certainly affected everyone’s finances. Good thing, applying for an SSS salary loan is a lot easier now. Thanks to a more developed online system, members can enjoy a smoother SSS online registration process and quicker salary loan processing time. Keep reading if you’re planning on applying for an SSS salary loan soon. Who Can Apply for SSS Salary Loan? SSS members who have at least 36 months total contributions and 6 months of contributions in the last twelve months can apply. The salary loan amount is equivalent to one month’s worth of salary. You can also apply for a two-month salary loan. But you should have at least 72 months of posted contributions and 6 months of contributions in the last twelve months. Not sure how many months of contributions you have to loan from SSS? You can find all your SSS contributions on the My.SSS portal. Just log in to your account and click on Inquiry. Select Contributions to see your total number of contributions. If you‘re employed, your employer must have up-to-date loan remittances and monthly contributions. You must also have up-to-date payments of other loans acquired. This includes housing loans from the Unified Home Lending Program (UHLP) of the government. Furthermore, you should not have received the SSS final benefits as well, like retirement and death benefits. Read more: SSS Pension Computation: How Much Will You Receive When You Retire? SSS Salary Loan Requirements SSS Loan Requirements for Employees Curious to know how to get a loan from the SSS online? Employed SSS members…

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Welcoming the Year of the Ox: Chinese New Year Food Delivery Promos

While the conventional New Year has passed, a lot of us are anticipating the approaching Chinese New Year, which is expected to usher in wealth and prosperity. The upcoming Year of the Ox will officially start on February 12, 2021. Once again, Binondo and other Filipino-Chinese enclaves will be draped in gold and red, which are always beautiful sights to behold. We may not be able to celebrate the festivities the way we used to, but that shouldn’t stop us from stuffing ourselves with the good grub. If you’re planning a simple celebration at home with your family, you can always count on food delivery services and restaurants accepting orders online. What’s great about this is that these delivery services always have exciting deals and vouchers. To help you welcome the Year of the Ox, we’ve rounded up some Chinese New Year food promos this 2021. Chinese New Year Food Promos 2021 Citibank Credit Card Dining Promos If you want to celebrate the Chinese New Year in style without breaking the bank, Citi has deals that are exclusive for its credit card holders. Enjoy a scrumptious cuisine, decadent desserts, and fine wines using these Chinese New Year food promos[1]. GrabFood Promos in Metro Manila GrabFood, one of Foodpanda’s main competitors, also has deals and promos on select restaurants. If your theme for the Chinese New Year is simple yet delicious, here is a list of top quick-service restaurants in Metro Manila with their Chinese New Year food delivery promos[2]. Feast on Chinese New Year food favorites while saving money through…

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