All Articles With Author : Ricky Publico

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

4 Signs You Need a Personal Loan in 2021

Borrowing money in the Philippines is usually associated with crippling debt and mishandled finances. But nowadays, applying for a loan has become a common way to reach everyone’s financial needs and goals. Even if you don’t need it, you should always consider when to get a personal loan if the need arises. Because admit it or not, everyone could use it. In fact, the Bangko Sentral ng Pilipinas has encouraged lending as a way to shake up the economy during the pandemic[1]. So if you want to know if you need a personal loan, take a look at these tell-tale signs. Signs That Will Tell You When to Get a Personal Loan You’re Transitioning from One Job to Another Starting a new job this year? Congratulations! It’s great that you still found a better opportunity in the midst of a pandemic. But depending on the company you’re moving into, you probably won’t receive a proper salary for one whole month. Unless you have other people to borrow money from, applying for a personal loan is a good temporary source of income.  If you don’t have an emergency fund, you should apply for a personal loan right before you leave your current employer. That way, you can still submit the proper requirements to apply for a loan while making sure you still have money for that one-month drought. And once you receive your first paycheck, make sure to prioritize your debt over unnecessary expenses. Read more: 10 Sulit Ways to Use a Cash Loan in the New Normal You Feel Like…

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Car Loan Negotiation Tips to Help You Save on Monthly Payments

Planning to buy a car this year? Unless you have lots of cash, you will have to rely on a car loan to finance your big purchase. That means you should know how to negotiate a car loan and make it a lot easier for you to pay what you owe. After all, it will take years to do so. You’ll need all the help you can get. But fortunately, you can easily juggle car loan payments as long as you properly manage your finances. So how can you make owning a car less of a financial burden? Here are some few tips on negotiating lower car loan payments. Tips on How to Negotiate a Car Loan Rely on a Good Credit Score If you’re planning to negotiate your car loan payments, you better have a good bargaining chip in the form of a good credit score. Before you apply for a car loan, make sure to build a stellar credit history to increase your chances of getting a lower interest rate or higher loan amount. To find out what your credit score is, you can request a credit report from the Credit Information Corporation[1] by scheduling an appointment online via their website or the CIBI App for Android users. If you have a low or non-existent credit score, start building your credit history today. Get a Loan From Your Bank You probably have a long-standing account with any of the major banks in the Philippines. If that’s the case, you should apply for a loan from your most trusted…

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10 Metrobank Credit Card Promos You Shouldn’t Miss

Do you own a Metrobank credit card? Or maybe you’re planning to get one soon? Whatever your status is, it’s important to take advantage of Metrobank credit card promos in 2021. Apart from Metrobank credit card rewards points, cardholders can also enjoy exclusive discounts and deals when they use their card to shop at partner establishments. Here are some of the best ones to check out. Metrobank Credit Card Promos 2021 for New Cardholders Rainy Day Rebates Acquisition Promo Eligible Cards: All Metrobank credit cards (except Metrobank Dollar Mastercard, Corporate Card, Commercial Card, Puregold Mastercard, and M Free Mastercard) Promo Period: Until February 28, 2021 Thinking of applying for a Metrobank credit card? Do it before February 28, 2021 so you won’t miss just one of the exciting Metrobank credit card promos[1]. Apply for a Metrobank credit card, spend PHP 30,000 within 90 days upon approval, and get rebates worth up to PHP 5,500. PHP 500 Rebate Supplementary Card Promo Eligible Cards: Metrobank World Mastercard, Metrobank Peso Platinum Mastercard, Metrobank Travel Platinum, Metrobank Femme Signature Visa, and Toyota Mastercard Promo Period: February 1, 2021 to December 31, 2021 If you’re planning to apply a supplementary card for someone you love, you should definitely do it this year. Celebrate your loved one’s new supplementary card with a PHP 500 cash rebate for every approved card[2]. Now that’s one way to share your finances. Metrobank Credit Card Promos 2021 for Dining 50% Off at The Lounge of Grand Hyatt Manila Eligible Cards: All Metrobank credit cards Promo Period: Until March 31, 2021 Satisfy your sweet…

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Best Credit Cards for Money-Savvy Students in the Philippines

Who says credit cards are for adults only? Students like you can also get a credit card of your own. No need to bother your parents for additional allowance. You can practice financial responsibility as early as now by checking out these credit cards for students in the Philippines. But before you go shopping for credit cards, you should know the types of cards you can apply for as well as the requirements you will need to submit. So take the time to read this guide before deciding on the right credit card for a student like you. Can a Student Apply for a Credit Card in the Philippines? It would be awkward if the answer is no, wouldn’t it? But yes, it is possible for students to apply for a credit card. There are various ways for you to get a credit card and while they don’t require a steady income, having one will certainly help your chances of approval. But the question is do you really need a credit card? If you’re going to use it just for shopping, forget it. A credit card is not a free ticket to spend recklessly. Only apply for one if you don’t have enough allowance and you don’t have a high-paying part-time job to make ends meet. How to Get a Credit Card for Students Before you compare credit cards, find out what types of credit cards you can apply for as a student. Supplementary Cards The easiest way to get a credit card as a student is to ask a…

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7 Valentine’s Credit Card Promos for Couples This February 2021

Celebrating Valentine’s Day, for some, may mean getting thinner wallets. But you don’t have to break the bank if you’re wise about spending on this special day. For instance, if you own a credit card, you may get discounts and other Valentine’s promo offers at your provider’s partner merchants. Still looking for ideas on how to celebrate Valentine’s Day this year? Wondering where you can score a sulit Valentine’s promo? Check out this list, and you might find what you’re looking for. Valentine’s Promo Offers on Dining Melo’s Steakhouse – 50% Off on 2nd Main Course Eligible Cards: RCBC Bankard Visa Infinite and Visa PlatinumPromo Period: Until March 31, 2021 What’s better than one main course for your Valentine’s date? Two main courses! And when you use your RCBC Bankard Visa Infinite or Visa Platinum card, you can get 50% off on your second main course at Melo’s Steakhouse. Who says you can’t pig out on February 14? Promo mechanics[1] The Beer Factory – 30% Off on Total Bill Eligible Cards: All Citibank credit cardsPromo Period: Until May 30, 2021 If you’re looking for a good Valentine’s promo that won’t expire after February, this Citibank deal should do the trick. Just head to The Beer Factory and use your Citi credit card to get 30% off your total food bill with no minimum spend required. Read more: Romantic Gift Ideas for Valentine’s Day Below P500 Crystal Dragon – 25% Off on Total Bill Eligible Cards: All UnionBank credit cardsPromo Period: Until March 31, 2021 Looking to spice up your Valentine’s…

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UnionBank Online Banking: How to Bank Using Your Smartphone

When the pandemic forced everyone to stay indoors, digital banking became the new normal. In fact, it has become so normal that the Banko Sentral ng Pilipinas (BSP) is projecting that the Philippines will become a coinless society by 2025[1]. Good thing apps like UnionBank Online Banking already exists. As one of the few digitalized banks in the Philippines, UnionBank crafted an app that aims to be an all-around solution for everyone’s online banking needs. So to help you get started, here’s an extensive guide on how to do your banking using only your smartphone. UnionBank Online Banking Features Because UnionBank invested heavily on digitalization, they have one of the most intuitive banking apps out there. You can do almost all banking transactions using their mobile app, from opening an account to managing your credit card transactions. Open a bank account. Only a few banking apps in the Philippines let you open an account completely online, and the UnionBank Online Banking app is one of them. Send and receive money. Just like any other online banking apps and digital wallets, the UnionBank app lets you send and receive money online. It even uses QR code technology for faster transactions. Deposit UnionBank checks. No need to head to a UnionBank branch to deposit your checks. Just take a picture of it via the app and deposit from there. Manage your credit card features. Track your monthly spend, lock your credit card, set a spending limit, and access other credit card features via the UnionBank app. Pay your bills and buy load….

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7 Financial Goals to Aspire to Before You Turn 30

So how does being young feel like? You’re probably fresh out of college or maybe you’re in the middle of your 20s. But at the same time, being in your 20s is also the perfect opportunity to make financial goals because let’s face it, you’re not getting any younger. Have you got any financial goals by 30? Start planning your future with these goals in mind. 7 Ideal and Realistic Financial Goals By 30 Maintain a Monthly Budget What you can and can’t do in life will be determined by how much your budget for anything is. That’s why as early as now, you should familiarize yourself with budgeting your expenses. Start small if you have to, as long as you get the basics[1]. Remember what the anime SlamDunk taught us? Rebound controls the game. Likewise, budgeting controls the game of life. Add this to your financial goals by 30 as well as other healthy money habits. Build an Emergency Fund It’s one thing to save up for the future, it’s another to save up for the near future. For the uninitiated, an emergency fund is reserved for unforeseen situations like a medical bill, job loss, or house repair. The rule of thumb for an ideal emergency fund should amount to 3-6 months worth of your salary. But in reality, you can just set aside whatever amount you can, as long as you build enough funds to shoulder an unexpected purchase. Start a Small Investment Investing your money is a great way to generate passive income. Imagine receiving money for…

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10 Reasons Why Filipinos Trust Moneymax Philippines

“Helping Filipinos lead healthier financial lives.” For five years and counting, Moneymax stays true to their slogan by expanding their services and advocating for financial literacy. And in return, they have earned the trust of over a million Filipinos by being more than just an online comparison platform. Why do Filipinos trust Moneymax in the Philippines? Explore the reasons below. Why Filipinos Trust Moneymax Philippines 1. Moneymax is a Market Leader in Financial Products We started operations in 2013. Six years later, Moneymax Philippines has provided financial products to over a million Filipinos. Moneymax Philippines forged partnerships with the top car insurance companies and financial institutions. In 2020, we helped over 9,000 Filipino car owners get their vehicles insured. We were also able to set a 96% approval rate for car insurance claims. In 2020, we helped over 2,000 Filipinos get their credit card and personal loan applications approved. 2. Moneymax is a Top-Rated FinTech Startup We are rated the top startup company among other online platforms in the Philippines from the latest StartupRanking list. Moneymax ranked at #5 overall among all the startup companies in all of Manila[1]. We have been recognized as one of the rising stars of the FinTech sector in the country back in the October 2016 issue of Forbes Magazine PH[2]. Moneymax Philippines has been prominently featured in Bloomberg as one of the top financial startups in the country[3]. Read more: ThriveAtFive: Moneymax Kicks off 5th Anniversary Celebration 3. Moneymax is Part of Asia’s Leading Financial Marketplace We are part of CompareAsiaGroup (CAG), Asia’s leading…

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Credit Card Promos for Online Shopping and Dining in 2021

Make the most of your credit card use this year, especially for your essentials and online shopping! Here’s a roundup of credit card promos in 2021 that offer discounts, rebates, freebies, and other rewarding perks for cardholders in the Philippines.

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Living the Post-Pandemic Life: What to Do After COVID-19

It’s 2021 and things are starting to look up for everyone. Yes, there’s still the pandemic to worry about, but the arrival of numerous vaccines[1] changed the game. I, for one, am full of hope that we will see the end of COVID-19 this year. I can’t wait to live my post-pandemic life that I made a to-do list for when the new normal becomes a thing of the past. What to Do After Quarantine Ends: Personal Hug your loved ones and catch up. Finally, you can hug your loved ones without the fear of spreading the virus. Once the vaccine takes effect, visit your loved ones and spend more time with them as much as possible. Don’t wait for another pandemic to value the people around you. Tell them you love them and show them by being there with them. Reconnect with your friends. After almost a year of being stuck at home, you probably miss going out with your friends more than ever. With COVID-19 gone, start planning your get-togethers and reconnect with the friends you missed the most. Be with your own people once again and end your lonely existence with the help of your peers. Get an annual physical exam. With the threat of COVID-19 gone, clinics will become more accessible to non-threatening concerns. Take this time to get an annual physical exam at your nearest health clinic and see how the seemingly endless lockdowns changed your body—for better or worse. Always take care of your health even if there’s no pandemic. Try jogging and other…

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Best Budget Apps for a Finance Healthy 2021

Admit it: money management isn’t easy. Sometimes, no matter how hard you save money or maintain a budget, you still end up spending money after a few months. Whether it’s an emergency, a night out with friends, or a flash sale you can’t resist, the temptation to spend your hard-earned cash will always find ways to drain your wallet. It’s frustrating, especially if you’re trying to achieve a personal financial goal. So if you’re having a hard time practicing discipline and perseverance, your smartphone could help you out. How? By downloading the following best budgeting apps in the Philippines. Save up, maintain a budget, and make 2021 your best financial year with these thrifty budget apps. Best Budgeting Apps in the Philippines 2021 Your Banking App   Before you even download these budget apps, you should install your bank’s official banking app first. The first step to money management is knowing how much money you really have. Knowing how much you can save and spend gives you a holistic view of your finances. Installing them also allows you to perform banking transactions right from your phone. Read more: 15 Mobile Banking Apps to Manage Your Accounts Better GCash Whether you want to budget, save, or invest, get you a money app that does it all. GCash[1] allows you to do all of that and more. You can deposit your money to your GCash wallet, open a digital GSave account with no maintaining balance, and start investing for as low as PHP 50. You can also do basic transactions like sending and…

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8 Christmas Saving Tips to Enjoy Your Quarantine Holidays

It was a long journey, but we all soon reach the end of 2020. Good thing we can all bookend the year with the holiday season. With only a few days away from the celebrated day, here are some tips on how to save money for Christmas. Because evidently, the COVID-19 pandemic will change the way we celebrate Christmas this year and you’ll definitely need to save up more for the upcoming year. How to Save Money for Christmas in 2020 Save and Spend Your Christmas Bonus Wisely December is indeed a wonderful time of the year, especially for the employed folks out there. Bust out the classic Aegis song because it’s time for your Christmas bonus and 13th month pay. You only get paid this much once a year so it’s important to handle your money with care. You have a choice to make: either save all your holiday earnings or spend it all on holiday cheers. Or there’s a third option: save and spend. Why not divide your earnings in half and use the other half to fund this year’s Christmas celebration? Use this opportunity to either start an emergency fund, a retirement fund, or even an investment fund. You can also take this chance to practice your budgeting skills by managing gifts, noche buena, and other holiday budgets. Read more: 7 Smart Investments for Your 13th Month Pay Set a Spending Limit for Exchange Gifts Speaking of gifts, you will undoubtedly spend money on gifts of any size this December. But in previous years, you probably exceed the budget…

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Best Cheap Staycation Places in Manila Under PHP 3,000

Tired of all the four corners of your home but don’t want to travel that far? A good option is to find a cheap staycation in Manila. Fortunately, the Department of Tourism (DOT) has finally allowed hotels nationwide to open their doors to all types of travelers[1]. That means you and your loved ones can finally take a short vacation and enjoy amenities you don’t have at home. But you don’t have to break the bank to do exactly that. We compiled some of the cheap staycation in Manila under PHP 3,000 so you don’t have to. Now go plan your upcoming Christmas break before these rooms get booked out. COVID-19 Protocols to Remember Before Booking While most hotels and resorts are now allowed to operate, it doesn’t mean that you can be complacent when it comes to COVID-19 prevention. Take note of these COVID-19 protocols when planning a weekend outing with your family and friends. Book only hotels that are DOT-accredited. Not all hotels are allowed to operate. Make sure you’re booking a DOT-accredited hotel to ensure that the hotel is following proper COVID-19 protocols. You can check out the list of accredited hotels here[2]. As much as possible, don’t bring children yet. Since Metro Manila mayors unanimously rejected the idea of letting minors inside malls[3], consider not letting children in your family go out anywhere. It’s a lot safer to stay home this holiday season. Pay your bookings through cashless methods. It’s not ideal to pay for anything using cold cash. Always opt for cashless options for any financial transaction, and…

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How Close Are You to Getting FIRE-d?

Excuse my clever pun. I’m not talking about the hot fire or the unemployed kind of fire. Instead, I’m talking about the kind of fire that’s so good, it had to be an acronym. That’s right, how close are you to getting FIRE-d? That’s a question you should be asking yourself because the FIRE method of retirement is something you should consider aspiring. What is FIRE Movement? Before we answer the burning question, let’s first define what the FIRE method of retirement is. FIRE means Financial Independence/Retire Early and it involves retiring in your late 30s or early 40’s instead of the traditional retirement age at around 60. It started gaining traction in 1992[1] and since then, millennials have subscribed to the idea of retiring early. There are many ways to get started with the FIRE movement, but it usually involves saving a lot and growing your money to a huge amount that you won’t need a job to sustain your lifestyle. It sounds like a pipe dream, but it’s entirely doable as long as you put your mind to it. Retire early and follow your passion without anything holding you back. That’s the FIRE-d life. So at this point in your life, do you have the right mindset to start the FIRE method of retirement next year? Find out how financially ready you are in this short FIRE quiz that’s totally lit, yo. Read more: Retirement Fund 101: Plan, Save and Invest for Early Retirement Are You Ready to Get FIRE-d? Answer Truthfully! 1. Here’s one that hits close…

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10 Cool Gift Ideas for the Tech Lovers in Your Life (Plus Win Apple AirPods!)

Gadgets are among the most sought-after and exciting holiday gifts. They make awesome Christmas gift ideas for techies, but what makes tech shopping so challenging is finding the perfect present for those who either seem to have everything or are hard to please. If you want to give thoughtful gifts this Christmas for your gadget-obsessed loved ones, here are some suggestions to add to your holiday gift shopping list (or wishlist, if you’re a tech fan yourself). Gift Ideas for Techies Under PHP 10,000 Promate 120 Powerstation Price: PHP 6,999 at Lazada[1] Ideal for: tech lovers living near typhoon-prone areas Power outages due to typhoons are the bane of every tech lover’s existence. Luckily, there’s a power bank big enough to power not just phones, but even laptops and other light appliances. For your loved ones who are always struck by natural disasters, the Promate 120 Powerstation is the perfect gift. Now they can stay safe while enjoying their gadgets and appliances. Technoamp Laptop Power Bank Price: PHP 7,500 at Lazada[2] Ideal for: techies who always travel or work away from home But what if your loved ones need a more portable solution to their power woes? Then be their Santa Claus this Christmas by gifting them this hefty 40,000mAh power bank from Technoamp. This bad boy can power four devices at once. It can charge your phone, laptop, wireless headphones, and other gadgets that need charging. This one should definitely top your list of gift ideas for techies. Apple AirPods Price: PHP 9,490 at Apple PH[3] Ideal for: tech lovers looking to upgrade from their wired headphones…

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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 10,000 Bamboo Clothes Rack 7-Tier Storage Price: PHP 6,799 at The Bamboo Company[11] Ideal for: family and relatives who love to #OOTD A good #OOTD Instagram post won’t be complete without a proper wardrobe to house all your choices. Gift your trendy loved ones this minimalist clothes rack from The Bamboo Company. Aside from looking fly, it’s also made from sturdy bamboo wood that will certainly last for years. That means more years of #OOTD fun in the future. GoRiser Laptop Standing Desk Riser Price: PHP 7,500 at FlexiSpot PH[12] Ideal for: ever-busy parents and relatives Do you have parents or relatives who are always busy with their work? They’re probably stuck in a chair for most of the day. Give them the opportunity to stand and walk with this GoRiser laptop standing…

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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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