All Articles With Author : Ricky Publico

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

Best Christmas Gift Ideas for Your Loved Ones in 2020

It’s the last few days of November, which means the mad dash to shop for gifts have already begun. COVID-19 may have made family gatherings more difficult, but that doesn’t mean the spirit of the season is dead. But what if you’re still deciding what to give your loved ones for Christmas? Don’t worry, this list of fun Christmas gift ideas will help lead you to the perfect gift. From the youngest member of your family to the most difficult person to find gifts for, this list will definitely include everyone and every budget. Also, these gifts are all online so you don’t have to join the long lines at malls or shopping centers. Take a look at your options and enjoy your holiday online shopping spree. Best Christmas Gift Ideas Under PHP 1,000 Basketball Set Magneto Basket Memo Board Price: PHP 450 at Quirks PH[1] Ideal for: millennial relatives returning to work next year Looking for a kooky gift for your relatives who are returning to their office next year? Brighten up their downtimes with this ultimate desktop distraction: a mini-basketball hoop. It has a magnetic back that can stick to doors, shelves, cubicles, and other metal surfaces. It also includes a marker and eraser for those competitive enough to keep score. Read more: Holiday Gift Guide: Unique Gifts for Working Millennials Firefly Rechargeable Fan with Night Light Price: PHP 499 at Lazada[2] Ideal for: parents who pride themselves for being laging handa If you can’t think of Christmas gift ideas for your parents, always go with the practical route. For overprepared parents, this rechargeable fan is…

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Impulsive Financial Decisions to Avoid in the New Normal

The “new normal” is far from the buzzword[1] we all knew when the pandemic started. Basically, we’re living in the new normal now and all things considered, we’re doing okay–except for the impulse purchases and other financial setbacks along the way. It’s okay to stumble and fall when it comes to your finances, as long as you know the importance of bouncing back. That includes avoiding these impulsive decisions that a few of us probably already made in the new normal. Better take note while you can. Spending on Impulse Purchases It’s normal to feel bleak about the future. It becomes wrong when you use it to justify adopting a YOLO lifestyle all of a sudden. Obviously, this isn’t the time to use your hard-earned savings to splurge on things you’ve always wanted but the pesky adult responsibilities prevent you from doing so. COVID-19 isn’t a life sentence—you still have a future to look forward to. Read more: 7 Questions to Re-Think Your Budget Strategy During COVID-19 Starting a Business Without a Stable Income Don’t let unemployment plant risky ideas into your head. Sure, the job market isn’t necessarily welcoming these days, but it’s not a license to bet every money you have to start the business you’ve always wanted. Don’t give up on finding a new job and be patient when it comes to earning capital. You will always need a fallback if your business fails to gain profits. Start a New Hobby Just Because You’ve probably taken a cash loan from online loan providers like Tala Philippines[2] just…

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12 Exciting RCBC Credit Card Promos to Welcome 2021

Whether you’re a new or long-time RCBC credit cardholder, you are guaranteed access to exciting RCBC credit card promos all year round. These exclusive deals offer great bang for the buck, so why not snag them every chance you get? These promos are all up for grabs right before 2020 ends and way beyond 2021. Don’t waste time browsing the entire internet searching for the best offers. We picked the best RCBC credit card promos so you don’t have to. RCBC Credit Card Promos on Dining 30% Off on All Food Items at Pookaberry Café Eligible cards: All RCBC credit cards Promo period: February 24, 2020 to December 31, 2020 Tired of the usual coffee shops near you? Head to Pookaberry Café in Quezon City and experience trendy meals and fun desserts. Use your RCBC credit card to order a minimum of PHP 2,000 and get 30% off. Plus, enjoy a buy 1 take 1 promo on their specialty drinks. 15% Off on Take-Home and Delivery Options at Hilton Manila Eligible cards: All RCBC credit cards Promo period: October 15, 2020 to December 31, 2020 Don’t have time to dine out in style? Bring the dining experience to your doorsteps. Just order from Hilton Manila’s home menu and order at least PHP 3,000 to get 15% off. Use your RCBC credit card to order your next dinner date or noche buena.  10% Off on All Food Items at The Black Pig Eligible cards: All RCBC credit cards Promo period: February 15, 2020 to December 31, 2020 Craving for more enticing RCBC credit card…

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5 Pinoy Movie Sites to Keep You and Your Loved Ones Entertained

Christmas in the Philippines won’t be the same without a trip to the cinema. However, because of the COVID-19 pandemic, most Filipinos won’t have the luxury of enjoying the annual family film viewing. But while movie theaters are still closed, it doesn’t mean the fun stops this year. There’s always another way and in this case, you can still have a movie night via various Pinoy movie sites. That’s right, you don’t have to leave home to enjoy a movie or two with your loved ones. From the latest Pinoy blockbuster to classic Pinoy films, you can always find the titles you’re looking for, assuming you know where to look. Here’s a quick guide to get you started. Where to Watch Filipino Movies Online Netflix As one of the biggest streaming services in the world, you can’t go wrong with Netflix. Their local library boasts a variety of Filipino movies, from popular rom-coms to critically-acclaimed films. Recently, Netflix started hosting local TV titles as well, most prominently the ever-famous Ang Probinsyano series. Netflix plans start at PHP 149 for mobile devices and top at PHP 549 for all exclusive features. Moneymax Recommends: Pinoy Movies to Watch on Netflix Saving Sally – This 2016 film starring Rhian Ramos and Enzo Marcos tells the story of a comic book artist’s quest to save the love of his life from all her troubles. It features a combination of gorgeous animation and stellar acting from the two starring leads. It’s a fun and thoughtful movie that everyone in the family can enjoy. Kita Kita – Looking to cry…

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When is the Right Time to Get a Credit Card?

At this point, you probably know what a credit card is. You might also know how to apply for one. It has gotten a lot easier in recent years, actually. And by now, you should know why you need a credit card. The only question is when should you get a credit card? Because you can always apply for one anytime you want, but you won’t always get one or you won’t need one at the moment. So when’s the best time to get a credit card? Luckily, you have lots of opportunities to choose from. Check out your options below. When You Have Carded Parents Believe it or not, you can get a credit card even if you’re under 18 years old. How? By asking your carded parents to get you a supplementary credit card. Owning a supplementary card is the best way to start learning about credit at an early age. Your parents can even help you become a more responsible cardholder in the future, aside from paying the credit card bill. When You Get Your First Job Now that you’re part of the workforce, it’s best to get started with your credit card journey. You’ll definitely need to build a credit history as early as now. A 2019 report from Experian[1] found that 4% of American millennials already achieved perfect credit scores, which means it won’t take a lifetime for you to achieve a good credit history. You can always get a low-income credit card to get you started and build your way up from there. Read…

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21 Exciting Security Bank Credit Card Promos You Shouldn’t Miss

We’re almost at the end of a very long 2020. It’s safe to say that you deserve to treat yourself for surviving yet another grueling year of hardships and triumphs. But don’t splurge on your savings just yet. Why not check out these Security Bank credit card promo offers? That’s right, if you’re a Security Bank credit cardholder, you still have a lot of promos to take advantage of before the year ends. So sit back and start planning your dinner dates and shopping sprees with these exciting offers. Security Bank Credit Card Promo Offers for Dining 40% Off on Your Total Bill at Swagat Indian Cuisine Eligible cards: All Security Bank credit cards Promo period: January 1, 2020 to December 31, 2020 Craving for some Indian cuisine? Satisfy all of it at Swagat Indian Cuisine and get 40% off on your total bill when you use your Security Bank credit card. Plus, get one free drink on your birthday, Mother’s Day, and Father’s Day—perfect for celebrating with the family. 20% Off on Ala Carte Dishes at F1 Hotel Eligible cards: All Security Bank credit cards Promo period: February 1, 2020 to December 31, 2020 It’s not too late to treat your loved ones to a fancy meal. Head down to F1 Hotel and get 20% off on ala carte dishes when you avail of this special Security Bank credit card promo. You’ll definitely upgrade your dining experience without breaking the bank. 10% Off on Total Bill at Ramenikko Eligible cards: All Security Bank credit cards Promo period: March 2, 2020 to December 31,…

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13th Month Pay in the Philippines: Computation and Common Questions Answered

Aside from Jose Mari Chan’s inescapable soothing voice, there’s another artist we Filipinos usually associate with the holiday season: the exhilarating vocal prowess of Aegis. Specifically, when they emphatically ask all employers in the Philippines to give everyone their Christmas bonuses or 13th month pay. Indeed, you should expect a lot of cash flow going straight to your bank account, courtesy of your 13th month. Have you received yours yet? It’s time to learn more about this year-end benefit, how to compute it, and all other related concerns. See them below. What is 13th month pay in the Philippines? 13th month pay is an additional compensation given to employees in the Philippines typically at the end of a year. It is a mandatory benefit provided to employees pursuant to Presidential Decree No. 851[1]. All rank-and-file employees who have worked for at least one month in a company are entitled to a 13th month, regardless of the nature of their employment and irrespective how they receive their wages. How to compute 13th month pay? To compute your 13th month pay, multiply your basic monthly salary to the number of months you have worked for the entire year then divide the result to 12 months. Here is the basic 13th month pay formula in the Philippines. Monthly Basic Salary x Employment Length ÷ 12 months For employees who worked less than 12 months, they will receive a prorated 13th month pay based on the number of months you worked for the company. For example, if your basic monthly salary is PHP 20,000 and you…

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How Smartphones Influenced Our Financial Habits

Smartphones not only changed the way we communicate, they also changed how we manage our finances. From doing your banking transactions to planning your budget, the smartphone impact on today’s financing is something that’s hard to ignore. In a society where having our little pocket computers has become a necessity, all of us are slowly adapting to the new way of financing. As a way of looking back on our progress, here’s how the smartphone impact on banking changed our financial habits. Online Banking Became More Convenient Remember when you had to fall in line at your local bank just to deposit to your savings? It seems like an old school thing to do. That’s why the financial inclusion development plans that began in 2011[1] focused on improving online banking. But back then, not everyone had desktop computers to do their banking and not everyone had access to a stable internet connection. Nowadays, you can just take out your smartphone, download your bank’s mobile app, and transfer money from your payroll to your savings. You didn’t even have to stand up. That’s the power of mobile banking apps. Every top bank in the Philippines now has a dedicated online banking app, making it more convenient than ever to bank. Read more: How the COVID-19 Pandemic is Changing the Way We Bank Opening a Bank Account is a Lot Easier Opening a savings account from your local bank used to be a drag. You had to compile a bunch of documents, line up again to process your application, and wait for…

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Exciting BPI Credit Card Promos to Check Out in 2020

2020 is about to be over—this means you only have about two months left to enjoy your credit card promo this year. Take advantage of owning your BPI credit card by availing of these exclusive deals tailored exclusively for you. BPI Credit Card Promo Offers for Dining 50% Off on Signature Dishes at Makati Shangri-La Eligible cards: BPI Visa Signature Card Promo period: Now until November 30, 2020 Feeling a little bit fancy? Upgrade your dining experience without spending too much by using your BPI Visa Signature Card at Makati Shangri-La restaurants. Get 50% off on their signature dishes and treat yourself and your loved ones to a special dinner date. Up to 50% Off at the Shang Palace in Makati Shangri-La Eligible cards: BPI Visa Signature Card, Amore Visa Platinum, SkyMiles Platinum Mastercard, and Gold Mastercard Promo period: September 1, 2020 to November 30, 2020 The special dining deals at Makati Shangri-La doesn’t end there because your BPI credit card can also get you up to 50% off on your total food bill. For a minimum spend of PHP 5,000 and a maximum spend of PHP 10,000, you get the following discounts based on what card you have. BPI Visa Signature Credit Card: 50% off on your total food bill BPI Amore Visa Platinum, BPI SkyMiles Platinum Mastercard, BPI Gold Mastercard: 30% off on your total food bill Up to 50% Off on the All-You-Can-Eat Offer at Circles Event Café Eligible cards: BPI Visa Signature, Amore Visa Platinum, SkyMiles Platinum Mastercard, or Gold Mastercard Promo period: September 1, 2020 to November 30, 2020 One thing everyone…

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Moneymax Reviews: Grab More Rewards with Citi Grab Credit Card

Do you use any one of Grab’s booking services on a daily basis? Then you’ll love this week’s edition of Moneymax Reviews. We’re putting Grab’s official co-branded credit card under the microscope in this Citi Grab Credit Card review. Can this credit card live up to the expectations of Grab enthusiasts? From exciting rewards to generous welcome gifts, Citi Grab Credit Card promises to be a reward-heavy credit card even non-Grab users will appreciate. Learn more about it in our in-depth review. Citi Grab Credit Card Key Features Annual fee: PHP 2,500 Interest rate: Effective until November 2, 2020: 3.50% Effective starting November 3, 2020: 2.00% Minimum monthly income requirement: PHP 20,883 Cash advance fee: Effective until November 2, 2020: PHP 500 or 3% of amount, whichever is higher Effective starting November 3, 2020: PHP 200 per cash advance transaction Late payment fee: Effective until January 7, 2021: PHP 850 or the unpaid due, whichever is lower Effective starting January 8, 2021: PHP 1,500 or the unpaid due, whichever is lower Overlimit fee: Effective until January 7, 2021: PHP 750 or the overlimit amount, whichever is lower Effective starting January 8, 2021: PHP 1,500 or the highest overlimit amount, whichever is lower Foreign transaction fee: 3.525% of the converted sum Card replacement fee: PHP 400 Read more: Citi Credit Card Application: An Easy 5-Step Guide Why Should I Grab the Citi Grab Credit Card? The Citi Grab Credit Card is the perfect credit card if Grab services are integral part of your daily life. Whether you’re booking rides, food take-outs,…

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RCBC Online Banking Guide to Manage Your Finances at Home

Rizal Commercial Banking Corp. (RCBC) recently reported a 281% increase in electronic fund transfers (EFT) as of end-May this year[1], thanks in large to their improved RCBC Online Banking platform. “The enhanced community quarantine (ECQ) in March this year pushed EFT transactions further, with values amounting to PHP 47.03 billion for the three-month period alone, higher compared to the pre-COVID-19 level of PHP 16.14 billion which was for the months of January to February 2020,” RCBC said in a statement. And since we’re on the verge of the new normal, the trend will continue to rise from here. That’s why it’s important to familiarize yourself with online banking. If you have an RCBC banking account, here’s how you can use RCBC Online Banking. RCBC Online Registration The good thing about RCBC Online Banking is that you can easily enroll your account through their website or through the RCBC app. You don’t have to go to an RCBC branch or ATM to activate your online account, either. What Type of RCBC Accounts Can I Enroll? You can enroll a lot of RCBC accounts to your online account, from RCBC bank account to RCBC credit cards. If you already have an existing RCBC online account, you can then enroll trust and loan accounts. Active Accounts Account Types: Individual Accounts Joint “OR” Accounts (JOR) “Doing Business As” Accounts (DBA) In-Trust-For (ITF) Accounts Trust Accounts (for existing users) Loan Accounts (for existing users) Products: Checking/ Savings Accounts (PHP/USD) Time Deposit (PHP/USD) MyWallet Prepaid Card Bankard Credit Card Read more: RCBC MyWallet Visa Cards How…

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I Lost My Credit Card. What Should I Do?

Ever lost a wallet before? Imagine losing your valid IDs, spare cash, and your credit card. Out of all the things you’ve lost, your lost credit card has the most potential to bury you in a huge mountain of debt, provided you didn’t handle the situation well. Learn more about the importance of this matter and find out what you can do if you do lose your precious credit card. I Lost My Credit Card, So What? Losing your credit card is a serious matter. While it’s true that the credit card itself doesn’t have your money contained with it, a fraudulent user can rack up your debt without your knowledge. Whoever got your lost credit card can basically buy whatever they want at your expense. Ignore this problem and you’ll be greeted with a credit card bill you’ll sell your kidney for. This is because typically, any purchases made using a credit card under your name will be held liable to you. The worst part is that fraudsters don’t even need your physical card to use your credit card. All they need is access to your credit card information like its card number, date of expiry, and the card verification code (CVC) found at the back of your card. Read more: [INFOGRAPHIC] The Anatomy of a Credit Card What Should I Do After Losing My Credit Card? If you lose your credit card, the most important thing to do is to act fast but don’t panic. Once you notice that your card is lost, report the incident immediately to your…

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BDO Credit Card Promos You Shouldn’t Miss in 2020

Are you a BDO cardholder looking for credit card promo offers before the year ends? You’re in for a treat! BDO credit card promos never fail to disappoint and in fact, some of these offers extend to next year. Isn’t that exciting? BDO offers plenty of dining, hotel, travel, shopping, and other exciting rewards for both their first time and existing clients. So to make it easier for you, we’ve compiled the best BDO credit card promo offers out there. BDO Credit Card Promo Offers for New Cardholders Earn Up to 40,000 Bonus Points Eligible Card: BDO Diamond UnionPay Promo Period: January 1, 2020 to December 31, 2020 New BDO Diamond UnionPay cardholders can earn up to 40,000 bonus points by using their card on daily purchases. Meet the minimum spend[1] of PHP 75,000 and instantly earn over 11,000 reward points. So swipe more to earn more bonus points! Free SM Gift Pass Up to PHP 1,500 Eligible Cards: BDO ShopMore and Standard Mastercard Promo Period: June 1, 2020 to December 31, 2020 Celebrate your new BDO credit card with a free gift pass from SM. Spend a PHP 5,000 single-receipt installment purchase at The SM Store, SM Appliance, Ace Hardware, Watsons, and Uniqlo and get an SM Gift Pass worth PHP 500. Spend at least PHP 10,000 anywhere else and get an SM Gift Pass worth PHP 1,500. Not bad for a welcome gift. Read more: 5 Simple Steps to Apply for a BDO Credit Card BDO Credit Card Promo Offers for Shopping 12% Off on Items at Shopee Eligible Cards:…

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Moneymax Reviews: Earn Your Cash Back with HSBC Gold Visa

Don’t blink because you’ll definitely miss another edition of Moneymax Reviews! This week, we’re taking a look at HSBC’s premium cash back credit card, the HSBC Gold Visa. What can this credit card bring to the table? We’ll find out in this HSBC Gold Visa review. The HSBC Gold Visa Cash Back’s main selling point is the 5% rebate on dining expenses. Does that make HSBC Gold Visa the perfect dining partner? What other perks can it offer? Let’s answer all that and more. HSBC Gold Visa Cash Back Key Features A good HSBC Gold Visa review starts with the basics. Looking at its key features, you’ll see how the HSBC Gold Visa stack up with other credit cards out there. Don’t take it on face value just yet—this card definitely deserves a closer look. Annual fee: PHP 2,500 Interest rate: 3.50% Minimum monthly income requirement: PHP 16,667 Cash advance fee: 3% of the amount borrowed or PHP 500, whichever is higher Late payment fee: PHP 700 or unpaid minimum amount due, whichever is lower Overlimit fee: PHP 500 Foreign transaction fee: 2.5% of the converted sum plus reimbursement of the assessment fee charged by Visa/MasterCard to HSBC equivalent to 1% of the converted sum Card replacement fee: PHP 400 Read More: HSBC Credit Card Application: A Guide for First Timers Why Should I Get an HSBC Gold Visa Cash Back? One word: Rebates. If you love eating out or enjoy ordering food online, this credit card is perfect for you. And since restaurant dine-ins are now allowed in GCQ…

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15 Mobile Banking Apps to Manage Your Accounts Better

Banking has never been this convenient, thanks to the invention of smartphones and the internet. These days, you don’t need to head down to your bank’s nearest branch to do your banking. You can just open your mobile banking apps and handle your transactions from there. But the question now is this: which mobile banking app or online banking website is best for you? Because naturally, you would choose the online banking option from your bank of choice. But not all mobile banking apps are the same. Some provide better user experience while others are struggling to get there. You might even consider opening an account for a bank with a great mobile banking app. So to give you an idea, here’s a list of mobile banking apps in the Philippines. Mobile Banking vs. Online Banking Mobile banking and online banking are often interchangeable, but there’s a distinct difference between them. It mostly lies on what device and platform you’re using to do your banking. Mobile banking involves doing your transactions using a smartphone app. Before apps became the new norm, some banks offered SMS-based mobile banking where users do their banking through text prompts or texting specific commands to the bank’s SMS banking line. Meanwhile, online banking involves using a bank’s website through a web browser. In theory, you could use your phone’s browser to access a bank’s website, but online banking is easier to access with your desktop. It’s a good backup for when mobile banking apps aren’t working right. Read more: How the COVID-19 Pandemic is Changing the…

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4 Clever Marketing Tactics to Avoid the Next Time You Shop

Do you consider yourself a smart shopper? You probably spend hours at the grocery store comparing prices, scouring for deals, and asking the staff for possible discounts. That’s great! But no matter how smart you think you are, you’ve probably encountered clever marketing tactics or ploys that tricked you into exceeding your budget. It’s okay, we’ve all been there. These marketing tactics may not be illegal in nature, but they do trick shoppers into spending money that they may or may not have. To give you and other consumers a fair advantage, here’s a list of clever strategies you need to be wary of on your next grocery run. Buy Now, Pay Later Out of all the marketing tactics, this one’s the most enticing. After all, you’re basically getting what you want without spending money on the spot. On paper, a buy now, pay later program is a convenient way to pay for a purchase, especially for big-ticket items. The problem is that most of us only focus on the “buy now” part and completely ignore the “pay later” part. That is, until it’s too late. Whether you signed up for a store’s installment program or you availed one using your credit card, going the buy now, pay later route entails financial responsibility and discipline on your part. Make sure you have the means to pay for it in the future. Otherwise, just earn enough money to buy the things you need or want without relying on credit. Buy One, Take One If we’re ranking marketing tactics based on attractiveness,…

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How to Open an Account and Earn Online Using Diskartech App

Do you have a bank account? You probably think that’s a silly question. But check out what the Bangko Sentral ng Pilipinas (BSP) found in their 2017 Financial Inclusion Survey: 77.4% of Filipinos still don’t have bank accounts[1]. Good thing digital banks have started to fill the gap in a major way thanks to smartphone apps, the latest of which is the DiskarTech app. Rizal Commercial Banking Corporation (RCBC) threw its hat in the ring of emerging digital banks in the Philippines with its latest launch. DiskarTech aims to add another viable option for unbanked Filipinos to finally start getting their finances together. But how does the newcomer app work? Let this extensive DiskarTech guide show you the ropes. What is DiskarTech? RCBC touted DiskarTech as the first Taglish financial inclusion “super app” in the Philippines. Launched in July 2020, the app aims to make banking services more accessible to unbanked Filipinos nationwide, especially those who live in grassroots communities. With only a few requirements and a stable internet connection, users can open a bank account in just a few clicks. RCBC chair Helen Yuchengco-Dee explained the inspiration behind DiskarTech during its virtual launch[2]. “The change brought about by this new normal has challenged us to be even more relevant as we move forward in this new way of banking. DiskarTech will be our legacy to the young and tech-savvy Filipinos,” she said. Related Articles:  6 Simple Ways to Earn Money While on Lockdown How the COVID-19 Pandemic is Changing the Way We Bank What Can I Do with DiskarTech?…

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How to File a Car Insurance Claim: Complete Guide for Policyholders

Add car insurance to the list of things you need but you hope you’ll never use. Alas, just like power generators, fire extinguishers, and basic first aid kits, you will eventually arrive at a situation where you’ll need help filing a car insurance claim. In 2018 alone, Metro Manila had at least 100,000 recorded accidents[1] that were either fatal or injured people. Dealing with situations like a car accident or car theft is stressful as it is. You do not need the added stress of handling all the added expenses related to your car. That’s why you bought an insurance policy in the first place. Filing a car insurance claim in the Philippines ensures that you will receive assistance and compensation for the loss or damage your car will sustain in an accident. As a responsible car owner, you should know the entire process of filing a claim and the steps you need to take in the aftermath of a road accident. After all, you paid good money to protect your car from unforeseen events. You don’t want to waste that investment now, do you? Note that this article is only meant to give you a general idea about the car insurance claim process. Car insurance providers in the Philippines have different requirements, procedures, and other things related to claims, so it’s still best to consult your insurer for specific concerns with your insurance claim. What Should I Do After a Car Accident? When you get into an accident, remember to stay calm and have the presence of mind to do…

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7 Best Video Streaming Apps to Cure Your Quarantine Blues

Is working from home starting to bum you out? Don’t let your job stress you out that much. Take a break once in a while. Take a walk, listen to music, meditate, or catch up on your list of must-watch movies and TV series. It’s time to brush up the library on your video streaming apps and take a section of the day just for you. But what if you can’t find the movie or show you want to watch? That’s your signal to explore other options out there. Luckily, the list of video streaming apps continues to expand to this day. Here’s a comprehensive comparison of streaming services available in the Philippines. Check them out before your next movie night. Comparison of Video Streaming Apps 7 Video Streaming Apps in the Philippines Netflix Pricing: Starts at PHP 149/month Platforms: iOS, Android, Web, Windows, Mac, Streaming Devices, Smart TVs Features: Ultra HD streaming, mobile downloads up to four devices Content: Popular movies and shows worldwide There’s a reason why Netflix is the top movie streaming site in the world. Aside from being a pioneer in the online streaming industry, they also host one of the largest roster of titles in the world. And while their video library in the Philippines is a bit limited, it still contains popular Netflix shows like Stranger Things, GLOW, Space Force, The Witcher, and The Umbrella Academy, among others. Recently, Netflix Philippines has started adding Filipino titles to their library. If you want to see shows like Ang Probinsyano (hilariously renamed as Brothers) and movies…

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The Pros and Cons of Credit Card Installment Plans

Aside from the convenience of swiping and the luxury of perks, one great thing about owning a credit card is availing credit card installment plans. And these payment plans aren’t that hard to find, either. Most banks in the Philippines offer flexible terms, low interest rates, and other special promos to sweeten the deal. But is it really a good idea to avail a credit card installment plan? On paper, it’s a great way to pay for almost anything. But you’ll be surprised how it can also be disadvantageous at times. Here are the pros and cons you need to consider before you avail a credit card installment plan for your next purchase. Pro: Convenient way to buy expensive items The concept of “buy now, pay later” will always be enticing, especially for the most budget-conscious out there. This is basically the main draw of availing credit card installment plans. After all, why would you fully pay for something when you can space out the payments monthly? And for big-ticket purchases, it’s almost a no-brainer to divide your payments. And technically, you don’t need a credit card to avail an installment plan[1]. But you’ll need to submit a bunch of requirements and not all stores offer such plans anyway. With a credit card, all it takes is a few swipes and maybe a couple of signatures here and there. And that’s it—you now purchased something of value without shelling out a single cent. All swipe, no fuss. Con: No rewards for installment purchases If you’re a reward-seeker, then credit card…

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