All Articles With Author : Ricky Publico

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

Is My License Plate Available? LTO Plate Number Updates You Should Know

One of the most common problems of vehicle owners in the Philippines is acquiring their LTO plate number. These plates serve as proof of legitimacy and as a vehicle’s identifier in terms of registration, road violations, and compliance with government laws.  Although most car owners of newly registered cars in 2020 and 2021 were able to secure the plates within one month after registration, many are still waiting for their LTO plate number release.  Curious to know when new plate numbers in the Philippines will be released this 2021? It looks like a long wait ahead. Just recently, the Land Transportation Office (LTO) said it’s looking for help from outside the agency to produce 18 million plates.[1] This number comprises the plate numbers for motorcycles and cars that have not been released since 2013. According to the LTO, processing the backlog will take around 40 months, or more than three years, if they don’t get help from third-party suppliers.  Why Do You Need an LTO Plate Number? You might be wondering why there’s so much clamor to speed up the LTO new plate number release. It’s basically for safety and security reasons. Together with your car or motorcycle’s official receipt and Certificate of Registration (OR/CR), the LTO plate number serves as a vehicle’s identity.  In February this year, Senator Richard Gordon called for the sacking of LTO officials because of their failure to implement the Motorcycle Crime Prevention Act of 2019 due to LTO’s backlog in plate number production. Gordon considered the delay in the issuance of bigger and more…

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Quarantine Spending Habits You Should Keep After COVID-19

Do you even remember how you used to buy things outside before the pandemic? I thought so. Just ask the recent Digital Statshot report of We Social and Hootsuite that revealed 23% of internet users in the Philippines spent more time shopping online in the last few months[1]. Realize it or not, you have cultivated your own quarantine spending habits that work for you. But the thing is, the pandemic will end soon and everything will go back to normal. So have you decided which spending habits you will keep? Because if there’s a positive about the whole quarantine situation, it’s that we were all forced to find new ways to manage our finances. Here are just some of the habits I’m inclined to keep for years to come.  Quarantine Spending Habits You Should Keep Comparing Prices and Alternatives Online Good thing everything’s online now because financial services just got a lot easier, and that includes comparing prices and alternatives. For example, if you needed to have something delivered in the pre-pandemic, you only had at least two courier services to choose from. But now, you can compare prices from Grab, Lalamove, Mr. Speedy, and a bunch of others.  Whether it’s food delivery or online shopping, can you remember the last time you ordered something immediately without checking the prices from other platforms? The nifty thing is that you can also compare prices for other financial products like credit cards and personal loans online. So as far as keeping quarantine spending habits is concerned, this one’s it. Saving Money by…

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

The COVID-19 pandemic has turned everyone into homebodies. This only means that people have a lot of time in their hands. And what better way to use this extra time than by combing through your streaming account and bingeing on your favorite movies and series? We’re pretty sure that you’ve binged on lots and lots of Western movies and K-dramas. But if you’re looking for much more relatable material, you can always go for Pinoy movies! The fun never stops even if you can’t go to the movie theaters with your friends because you can enjoy Filipino films through 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 blockbusters to classic 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 1. Netflix Prices: Mobile: PHP 149 per month Basic: PHP 369 per month Standard: PHP 459 per month Premium: PHP 549 per month As one of the biggest streaming services in the world, you can’t go wrong with Netflix. Their local library boasts a variety of Pinoy movies online, 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. 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…

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Moneymax Reviews: Flex Your Financial Savvy with RCBC Bankard Flex Visa

There will come a time when you’ll have to flex your financial capability. Whether it’s a first date or a family reunion, it will come when you least expect it. You don’t want to be caught off guard without the best credit card in your arsenal, do you? Then good thing, this RCBC Bankard Flex Visa review can help you do just that. This week on the latest edition of Moneymax Reviews, we’re taking a look at RCBC’s hippest credit cards to date. Are you ready to flex your financial independence? Get a chance to do just that by checking out this review. RCBC Bankard Flex Visa Key Features The RCBC Bankard Flex Visa is a hip credit card for a reason. As you’ll find out from the key features below, this is one of the most accessible credit cards out there for millennials with its low income requirement and affordable annual fee. But if money is no object to you, you can opt to get the premium variant of this credit card in the form of RCBC Bankard Flex Gold Visa and get the same perks we’ll discuss later. Annual fee:  Flex Visa: PHP 1,500 Flex Gold Visa: PHP 3,000 Interest rate: 2% Minimum monthly income requirement:  Flex Visa: PHP 15,000 Flex Gold Visa: PHP 50,000 Cash advance fee: PHP 200 Late payment fee: PHP 850 or the minimum amount due, whichever is lower Overlimit fee: PHP 600 Foreign transaction fee: 2.25% Card replacement fee: PHP 300 per card Why Should You Flex with the RCBC Bankard Flex Visa? The RCBC Bankard Flex Visa was…

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How Digital Banking Can Help You Today: Top Questions Answered by Experts

Digital banking is not just a financial buzzword these days. Just ask the recent Visa Consumer Payment Attitudes study[1], which found that Filipino’s interest in digital banking services increased to 80% compared to last year’s 70%. But for some reason, some Filipinos are still confused about the entire concept. Got any digital banking questions that need answering? The recent Moneymax Digital Banking Forum “How Digital Banking Can Help You Today sought to answer those questions two weeks ago. It featured some of the country’s experts in the financial services industry: Moneymax Co-General Manager Pearl Gonzales, CIMB Bank Philippines CEO Vijay Manoharan, Tonik President and Country Head Maria Lourdes “Long” Pineda, and RCBC Executive Vice President and Chief Innovation and Inclusion Officer Lito Villanueva. If you missed it and you don’t have an hour to spare, don’t worry! We’re recapping the entire talk for you below. A Quick Background of the Digital Banking Apps in PH Host Antonette Aquino kicked things off with some fun questions that gave us a glimpse of how the digital banks in the Philippines started as mere ideas. Where did Tonik’s brand name come from? Aside from being the first neobank to secure a digital bank license in the Philippines[2], Tonik Digital Bank stands out as a hip banking app with a unique name. How exactly did they come up with the name “Tonik?” As you probably guessed, it was derived from the popular alcoholic drink. “When we were brainstorming our name, we were trying to find a name that will resonate and is easy to remember…

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15 Exciting RCBC Credit Card Promos You Shouldn’t Miss in 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 with your best credit card from RCBC? These promos are all up for grabs for the rest of 2021. Don’t waste time browsing the internet searching for the best offers because we picked the best RCBC credit card promos for you! RCBC Credit Card Promos on Dining 25% Off at The Beer Factory Eligible cards: All RCBC credit cardsPromo period: March 8, 2021 to August 31, 2021 Looking to blow off some steam after a hard day’s work? Whether you’re working from home or from the office, you can always head down to The Beer Factory and grab lunch or dinner. Use your RCBC credit card to get 25% off on all food purchases with no minimum purchase required. 25% Off at Chi Em Gai Eligible cards: All RCBC credit cardsPromo period: March 8, 2021 to August 31, 2021 Looking for more lunch ideas? You can’t go wrong with Thai food. Good thing RCBC credit card promos like this exist. Just head down to Chi Em Gai Vietnamese Restaurant at Eton Centris and grab yourself a bite or two. Use your RCBC credit card to get 25% off, no minimum purchase required. 25% Off at Cold Layers Café Eligible cards: All RCBC credit cardsPromo period: February 15, 2021 to December 31, 2021 Tired of the usual coffee shops near you? Visit…

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5 Money Mistakes Single People in Their 20s Should Avoid

Contrary to popular belief, marriage isn’t the be-all and end-all in life. Being single rocks! If you haven’t found “the one” just yet, don’t sweat it and just enjoy your freedom. Don’t enjoy it too much though, or you’ll end up making terrible financial decisions. If only there was a list of money mistakes to avoid in your 20s that you can reference anytime.  And yet here it is! If you’ve been single for a long time, you’re probably guilty of these mistakes. Being single doesn’t equate to being irresponsible when it comes to money. In fact, you should take this opportunity to improve the way you handle your finances. Start by recognizing your financial mistakes from the list below. Money Mistakes to Avoid in Your 20s, Especially If You’re Single Living on Takeouts and Food Deliveries Food delivery apps may have been the best invention since sliced bread, but did it occur to you that you’re bleeding money because of it? Think about it: if you spend at least PHP 200 per meal from restaurants and you eat at least twice a day, you’ll end up spending PHP 12,000 a month. That’s a lot of dough. Good luck scoring a date when you’re broke af.  Imagine turning that dough into a cookie by learning how to cook meals for yourself. It’s not rocket science anyway, all you need is a little practice and a good eye for grocery shopping. You’ll end up saving more money than half of what you spend eating out at restaurants. And if you’re good…

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Moneymax Reviews: Visa or Mastercard? Pick a Side with UnionBank Gold

You know when they say credit cards are as good as gold these days? Well, credit card providers like UnionBank took it a little too literally with their Gold line of credit cards, the UnionBank Gold Visa and the UnionBank Gold Mastercard. But how will you choose the right credit card between the two? That’s what we’re going to find out in this UnionBank Gold credit card review.  At first glance, these two credit cards are almost identical. And as you’ll soon find out, they have more similarities than differences. But what makes them different will probably interest you. Mainly, do you prefer earning more rewards or do you prefer earning more cashback? Let’s get down to it in this brand new edition of Moneymax Reviews!  UnionBank Gold Credit Card Key Features Whether you’re getting the Visa or Mastercard variant, these are the key features you can expect. So what’s the difference, you ask? We’ll discuss them all later. For now, check out if a UnionBank Gold credit card fits your budget and lifestyle before preparing your credit card requirements.  Annual fee: PHP 2,500 Interest rate: 2% Minimum monthly income requirement: PHP 30,000 Cash advance fee: PHP 200 Late payment fee: PHP 750 Overlimit fee: PHP 500 Foreign transaction fee: 3% Card replacement fee: PHP 400 per card Why Choose UnionBank Gold Visa? The difference between UnionBank Gold variants boils down to their main features. For instance, UnionBank Gold Visa is the perfect credit card for reward seekers because it earns you one reward point for every PHP 35 spend….

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40 Money-Saving Tips for Everyone: The Ultimate Financial Hacks List

It’s easy to declare that you’re going to be more financially responsible from now on. But once you start going down the right path, you’ll find out that it’s not as easy as it sounds. In a country like the Philippines, money isn’t as easy as working hard. Sometimes, you have to keep reminding yourself with small nuggets of money-saving tips.  And luckily, that’s exactly what we did. We made a list of formidable financial hacks that can help inspire you to lead a healthier financial life, one step at a time. Best Money-Saving Tips for Everyone 1. Make a budget for everything You need to set financial limits for yourself to avoid overspending your money on a single purchase. Whether it’s your daily expense or a special occasion, don’t spend a single peso without following a certain budget[1]. 2. Practice comparing prices Whether it’s a pair of sunglasses or a car insurance policy, have more patience in comparing prices and searching for better alternatives. This will help you find better deals and prevent you from overspending. 3. Take care of your health You’ll find it hard to save money if you are always sick. Unless you have a pre-existing condition, you should always keep yourself healthy. Eat right, exercise, and drink enough water for the day. Also, get vaccinated already! It’s literally free. 4. Build your emergency fund ASAP While saving for the future is important, saving for the near future is equally as important. Your emergency fund will shoulder you from unexpected expenses like medical fees, car damage,…

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Moneymax Reviews: Comparing AUB’s Budget-Tier Credit Cards

Welcome back to another edition of Moneymax Reviews! This week, we’re doubling the savings and doubling the fun. Because for the first time ever, we’re pitting two credit cards against each other to see which one’s the best credit card in the Philippines, courtesy of this AUB credit card review. In the white corner, we have the AUB Easy Mastercard and in the red corner, we have the AUB Classic Mastercard. Which of these affordable credit card options from Asia United Bank works best with your lifestyle? Let’s take an in-depth look at these competing AUB credit cards. AUB Credit Card Review: Go Easy or Go Classic Before we start with our AUB credit card review, let’s check out the key features of both cards. On paper, both credit cards have the same key features that you would mistake one for the other. Nevertheless, these features are quite enticing. AUB Easy and Classic Mastercard Key Features Annual fee: No annual fee for life! Interest rate: 2% Minimum monthly income requirement: PHP 21,000 Cash advance fee: None Late payment fee: Monthly option: PHP 750 or the unpaid minimum amount due, whichever is lower Semi-monthly option: PHP 375 or the unpaid minimum amount due, whichever is lower Weekly option: PHP 187.50 or the unpaid minimum amount due, whichever is lower Overlimit fee: None Foreign transaction fee: 1.5% service fee added to the sum of peso conversion and Mastercard fees Card replacement fee: PHP 500 Better take note of these features before you apply for an AUB credit card. What’s So Great About…

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Investing at a Young Age: Why Millennials and Gen Zs Should Start Now

You know how tree lovers would say that the best time to plant a tree is 20 years ago and the second best time to do it is right now? That also applies when it comes to growing your money. After all, money comes from trees. And since you’re probably in your 20’s or 30’s now, you should know how important investing at a young age is. After all, the best time to invest has already gone. Not convinced with that analogy? Then here are more reasons why millennials and Gen Z-ers should start dabbling with financial investments as early as now. Why You Should Start Investing at a Young Age It Will Educate You About Compound Interest Once you decide to learn more about investments, prepare to hear compound interest a lot. But what is it, exactly? Compound interest is accumulated interest from your initial deposit. Basically, you’re earning interest on top of the interest you already earned.  So if you invest PHP 20,000 now on a savings account with a 5% annual interest rate, compound interest will snowball your initial investment to PHP 25,525.63 after five years. You can save time computing for compound interest by using an online interest calculator[1]. And why should you learn this as early as now? Because you will probably have more patience to learn new things compared to your future self. Compound interest is just one out of many financial concepts you’ll encounter in your investing journey. Just don’t be intimidated by the numbers. It Will Help Cultivate Good Money Habits Investing…

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Comprehensive Insurance Guide in the Philippines: How to Insure Your Car

Owning a car entails many responsibilities. Before you can even drive it, you need to accomplish basic requirements such as vehicle registration and car insurance coverage. While registering your car is a more straightforward task, getting a comprehensive insurance in the Philippines can get more complex. It requires you to do some research, determine the coverage your vehicle needs, and choose an insurance company that offers the best deals. But don’t let the process discourage your from insuring your car. Learn everything about comprehensive car insurance in the Philippines through this beginner-friendly guide. CTPL Insurance vs. Comprehensive Car Insurance Let’s start with the basics. There are two types of auto insurance: Compulsory Third Party Liability (CTPL) and Comprehensive Car Insurance (Compre). It’s important to establish right off the bat that both types are equally essential. While it’s true that you only need to buy one, it is highly recommended to get both insurance policies to better protect you and your car. Unlike comprehensive insurance, CTPL insurance is mandated in the Philippines. It is also the most basic and least expensive type of vehicle insurance in the country. What is Comprehensive Insurance for Cars in the Philippines? True to its name, a comprehensive insurance for cars in the Philippines or “compre” is a more comprehensive type of policy compared to CTPL. It’s not mandatory, but it is highly recommended to buy one, especially if you use your vehicle everyday. While a CTPL insurance protects the general public, a comprehensive insurance protects you, your car, as well as your passengers from an…

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Money-Saving Credit Card Hacks in the Philippines You Should Check Out

Is owning a credit card expensive? Will it get me into deep debt? Should I use my card less or should I use it for all my expenses? You are probably asking these questions in your mind while you’re comparing credit cards for future use. If only there are credit hacks in the Philippines you can exploit, you’re probably thinking as well. And you’d be right, there are! Here are just some of them. 9 Helpful Credit Card Hacks in the Philippines 1. Get an Annual Fee Waiver Credit card annual fees in the Philippines can go as high as PHP 6,000. Although you pay them only once a year, the amount can still put a dent in your budget. But know that there’s no need to shell out a certain amount every year for using your credit card. Instead, you can allocate this money for your savings or as an addition to your investments. Consider taking advantage of waived annual fees. Some banks allow their cardholders to have their annual fee waived, as long as they use their card regularly and are in good credit standing. You may contact your issuing bank to request an annual fee waiver. Just make sure you don’t have any pending balances to strengthen your case. Another way to avoid paying annual fees is to use your accumulated rewards points to redeem an annual fee waiver. Most credit card reward programs allow points to be converted to cash credit and annual fee waivers. And since redeeming points for travel isn’t a good idea right…

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Moneymax Reviews: Online Shopping Overload with UnionBank Lazada Credit Card

If there’s one company that thrived during the pandemic, it’s online shopping platforms like Lazada. In 2020 alone, their sales grew 2.5 times[1] thanks to the e-commerce boom caused by the year-long quarantine. If you’re one their most loyal online shoppers, then you should definitely check out this UnionBank Lazada Credit Card review. Because why scramble for spare change when the delivery person knocks on your gate when you can just use a credit card to pay for your purchases? And if you’re in the market for a credit card, you might as well get one that is co-branded with your preferred online shopping app. Find out more about this UnionBank credit card in our latest installment of Moneymax Reviews. UnionBank Lazada Credit Card Key Features Before we start the UnionBank Lazada Credit Card review, it’s only fair to check out the card’s key features. When you’re tasked to compare credit cards, never skip this step. Annual fee: PHP 3,000 (free for the first year) Interest rate: 2% Minimum monthly income requirement: PHP 30,000 Cash advance fee: PHP 200 per cash advance and 1.96% finance charge per month until date of repayment Late payment fee: PHP 750 Overlimit fee: PHP 500 Foreign currency fee: 3% Card replacement fee: PHP 400 Why Should I Shop with the UnionBank Lazada Credit Card? The main reason to apply for this credit card is to upgrade your online shopping experience. While this credit card has some perks for non-Lazada users, loyal Lazada customers are the ones who will benefit the most. 6x Lazada Credits for Every PHP 200 Spend on Lazada The…

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How to Spend Money Wisely When You’re Trying to Save

Struggling to save money? That’s because you’re probably spending it. After all, if you want to increase your savings, just stop buying things you don’t really need. But in this day and age, that advice is too simple and vague when learning how to spend money wisely. And it’s extra difficult when you’re the type of person who subscribes to the idea of retail therapy as a way of life. Good news: you can continue doing that without totally draining your savings. Just follow these concrete steps to get started with your guilt-free shopping.  Learn How to Spend Money Wisely with These 6 Tips Begin Categorizing Your Expenses Say goodbye to the days when you just click Add to Cart on a whim. Whether you like it or not, part of growing up is to start improving your spending habits. Ideally, you should prioritize wants over needs. But if you want to be more meticulous, you can categorize your spendings into fixed, savings, and variable costs.  Fixed costs include monthly expenses like mortgage, rent, bills, and debt payments. Savings are obviously the amount you allot for either personal or emergency savings. Variable costs are the expenses that are within your control like groceries, dining or food delivery costs, and leisure funds, among other things. Prioritize Savings Over Expenses If your goal is to grow your savings, it’s a no-brainer to prioritize it above everything else. Whether you’re using the 50-30-20 rule[1], the envelope method[2], or other budgeting tips and tricks you know, always allot savings first before other expenses. If…

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Need Extra Income? 8 Ways to Make Money Using Your Car

You know the old saying, “With great cars comes great expenses”? You probably don’t, but you won’t find the lie in that statement. You’ll be spending a lot on fuel, maintenance costs, and car insurance in the Philippines. Not to mention that the older your vehicle, the lower its resale value is. Because of this, it’s best to maximize your vehicle until it’s time to say ‘goodbye’ and purchase a new one. According to a research conducted by Toronto Star[1], the average lifespan of newer vehicles is 12.88 years, which means you’ll have more than enough time to figure out how to earn money using your car in the Philippines. Fortunately, the fact that a car can conveniently get you from points A to B means you won’t run out of business ideas. Here are a few ideas you can try out. How to Earn Money Using Your Car in the Philippines 1. Offer Delivery Services to Neighbors If you’re the unofficial social butterfly of your neighborhood, you can offer to be a delivery person for your neighbors. You can take their pets to the groomers, pick up and deliver packages for them, or offer to buy their essentials. Owning a car during the pandemic can be an instant source of income by offering your services to those who don’t own one. You being the neighborhood’s resident “serbis” works wonders in last-minute instances and even emergency situations. After all, people are willing to pay extra for convenience. Target your neighbors who are commuting everyday or running a day-to-day business delivering various products online. 2. Become…

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How to Achieve Financial Goals: One-Year-After-Lockdown Edition

For years, every adult has struggled to figure out how to achieve financial goals. Some were lucky to find the right solution; others failed to even move needles with their efforts. Then the pandemic came and made it even harder for everyone to get any financial goals done. One year in and most of us are still stuck at home with no end in sight. Is it still possible to get things done? Of course it is! It might take a while than usual, but here are some things you can do during lockdown to inch your way closer to your financial goals.  How to Achieve Financial Goals During the Pandemic Practice Delayed Gratification It’s not enough to say save your money because that’s too generic. At this point, saving money is a goal in itself. So how do you end up saving money? One way to do so is to practice delayed gratification[1]. It involves managing expectation and cultivating self-control by delaying satisfaction. Basically, just don’t buy the thing when you don’t need the thing. The best part about delayed gratification is that you can use it to improve other aspects of your life. Delaying a huge purchase saves you money; delaying a video game session to focus on work improves your productivity; delaying a custard cake for later (or not eating it at all) works well for your diet. So during lockdown, find the means to delay instant gratification.  Work Smarter than Harder Don’t get me wrong—working hard is great. It can take you places, but it won’t…

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9 Possible Reasons Your Car Insurance Claim Got Denied

Now that you have auto insurance coverage, you’re guaranteed financial protection from any car-related damage you might incur on the road. However, car insurance doesn’t give you the license to act recklessly out there. You can’t just apply for a claim after a car accident and expect to receive money in an instant. Your insurance provider will evaluate your accident thoroughly before deciding to cover the expenses or not. If you got your car insurance claim denied, don’t freak out just yet. There’s probably a good reason why it was rejected in the first place. 9 Reasons Why Car Owners Get Their Car Insurance Claim Denied 1. Unpaid Premiums Your claim will obviously get denied if you still have unpaid premiums. This is why insurance providers recommend paying your car insurance in full. You’d think you’re saving money by choosing a 90-day or monthly payment plan, but that’s not the case. Accidents tend to happen sporadically. They’re so random that they can happen during the first few days of your payment plan. If that happens, you’ll end up paying for the repairs yourself, together with the remaining balance of your car insurance. 2. Policyholder’s Negligence Another obvious reason for a denied car insurance claim is your negligence. We’ve established earlier how insurance providers evaluate your claim before covering the expenses. So if your insurance provider found that you’re responsible for the accident, expect your car insurance claim to be rejected. If they found out an instance where you could have avoided the accident, the insurance company may also get your…

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Moneymax Reviews: Level Up Your Game with UnionBank PlayEveryday

Who says owning a credit card has to be boring? That’s the stereotype that this UnionBank PlayEveryday review is looking to shatter today. Because after all, you can make a game out of anything and that includes using a credit card for all your daily transactions. So how exactly can the UnionBank PlayEveryday Credit Card gamify your finances? Read our latest edition of Moneymax Reviews because this might as well become your next go-to credit card. UnionBank PlayEveryday Credit Card Key Features To start this UnionBank PlayEveryday review, let’s check out the key features of the credit card of the hour. Annual fee: PHP 1,500 Interest rate: 2% Minimum monthly income requirement: PHP 30,000 Cash advance fee: PHP 200 per cash advance and 1.96% finance charge per month until date of repayment Late payment fee: PHP 750 Overlimit fee: PHP 500 Foreign currency fee: 3% Card replacement fee: PHP 400 Read more: Your Simple 5-Step Guide to UnionBank Credit Card Application Why Should I Play with the UnionBank PlayEveryday? Aside from its unique name, what sets apart the UnionBank PlayEveryday credit card is its focus on gamifying your credit card transactions. To find out more, let’s explore its rewards system and see whether this credit card deserves its name. Exciting Play Points System The UnionBank PlayEveryday prides itself as having the first gamified banking rewards program in the Philippines, and for good reason. For starters, you earn one (1) Play Point for every PHP 10 spend, one of the lowest point conversion rates out there. To earn points, you just need to use the UnionBank PlayEveryday to…

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Quarantine Fatigue is Real: 7 Cheap Ways to Overcome Your Lockdown Blues

It’s been a year since the entire country was first placed on community lockdown in an attempt to contain COVID-19. With the pandemic still looming above our heads, it’s hard not to feel the quarantine fatigue creeping up on everyone’s mental health. Are you struggling to overcome your lockdown blues? Don’t worry, you’re not alone. Fortunately, there are ways to give yourself a break in these trying times without breaking the bank. So roll up your sleeves and change your outlook with these tips.  How to Overcome Quarantine Fatigue Start a Workout Routine Price: Free, additional equipment will cost you more You would probably think moving your tired body is not an ideal way of overcoming your quarantine fatigue. Working from home is now a weak excuse to lead a sedentary lifestyle. If you haven’t started a workout routine after a year in lockdown, start now!  Aside from boosting your physical health, exercise can help you improve your mood and overall well-being[1]. If you’re feeling inspired, you can buy additional workout equipment to recreate a gym environment at home. So get up and start moving already! Treat Yourself to a New Meal Price: Depends on the meal or recipe Tired of the quarantine meals you’ve been preparing for a year now? Go treat yourself to new meals at least twice a week. You can check out your food delivery apps for new restaurants to try and you’ll even discover exclusive promos in the process.  And if you still insist on preparing your own meals, you can take inspiration from thousands…

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