The latest and the best financial news, tips and tricks.
The ban on public smoking in the Philippines has been implemented for about a year now. Are you happy so far with the nationwide smoking ban? Do you think it’s effective in encouraging smokers to quit their habit? In 2017, President Rodrigo Duterte signed Executive Order (EO) 26—the nationwide smoking ban—that prohibits smoking in all public places in the Philippines. These no smoking locations include schools, hospitals, clinics, government offices, food preparation areas, elevators, jeepneys, buses, and more. The EO also bans the sale, distribution, and purchase of cigarettes to and from minors. Considered one of the strictest anti-smoking laws in Southeast Asia, the smoking ban in the Philippines imposes fines ranging from PHP 500 to PHP 10,000 to individuals caught smoking in public places. Establishments selling cigarettes to minors are fined PHP 5,000 or jailed for up to 30 days. They also risk cancellation of their business permits and licenses. Now, what does this nationwide smoking ban mean to you? Whether you’re a smoker or not, observing it has life-saving and money-saving effects. 1. The Smoking Ban Saves Lives Longer Life Span Before you take another puff, consider how it puts lives at risk—not just yours but also your loved ones. Smoking just one stick can cut your life by 11 minutes, not to mention the higher risk of serious health problems such as cancer, heart diseases, and a lot more. The risks of second-hand smoke are just as life-threatening. If you’re pregnant, smoking can cause miscarriage, premature birth, birth defects, and even infant death. People who inhale cigarette…
July, like December, is the season for shopping. This is when brands–mostly from retail–mark down their prices as they welcome new products and collections. Malls also hold weekend sales, usually during payday, to entice more people to visit their establishments. End of season sales are great, especially if you’re the kuripot type. But, do you know that you can further reduce your shopping costs this time of the year? How? With the help of the following tips: 5 Tips to Get the Best Shopping Deals 1. Check for credit card promos If you own a credit card, take advantage of the rewards and promotions that come with it. Banks update their credit card promos monthly so make it a habit to check their website and promo catalogs. Who knows, a 50% or buy 1 take 1 deal may be in store for you! 2. Make a separate social media account to follow the best shopping deals If you want to take getting discounts seriously, this will need more effort than just spotting three-day sales advertised by local malls. You can create a separate Facebook or Instagram account where you can follow accounts that feature freebies and discounts. Here are some pages you can follow to spot discounted items from different brands: Manila on Sale[1] Manila Shopper[2] Manila Sale: Sales and Discounts Around the Metro[3] Piso Fare and Airline Promos[4] 1 PISO FARE Promos[5] Piso Fare Tickets[6] Also, don’t forget to follow MoneyMax.ph on Facebook! We share promos and tips for smart shoppers every once in a while. Read More: Payday Promos:…
True-blue NBA fans follow not only basketball games but the personal lives of their favorite NBA players as well. If you’re a fan of Russell Westbrook, for example, then you probably know that the 30-year-old loves fashion and dressing up—you’ll know it by just looking at his Instagram account. Indeed, when #ballislife, the NBA starts to become part of our lifestyle, our daily dose of news and tattle. One of the most talked-about topics about the NBA are the players’ salary and wealth. Nowadays, NBA players earn not only through paid contracts but also through endorsements and merchandise. Remember when Nike paid Michael Jordan $110 million[1] for sales of his Air Jordan line? Yes, it was a lot of money and MJ continues to earn because of that deal. Brush up on your NBA knowledge. Here are the highest-paid NBA players of 2019. 10. Paul George Team and position: Oklahoma City Thunder, Small Forward Total earnings: $38.6 million Salary/bonuses: $30.6 million Endorsements: $8 million 9. Blake Griffin Team and position: Detroit Pistons, Power Forward Total earnings: $39.1 million Salary/bonuses: $32.1 million Endorsements: $7 million 8. Damian Lillard Team and position: Portland Trail Blazers, Point Guard Total earnings: $41 million Salary/bonuses: $28 million Endorsements: $13 million 7. Giannis Antetokounmpo Team and position: Milwaukee Bucks, Forward/Guard Total earnings: $43.2 million Salary/bonuses: $24.2 million Endorsements: $19 million 6. Chris Paul Team and position: Houston Rockets. Point Guard Total earnings: $43.7 million Salary/bonuses: $35.7 million Endorsements: $8 million 5. James Harden Team and position: Houston Rockets, Shooting Guard Total earnings: $47.4 million Salary/bonuses: $30.4 million Endorsements:…
In the world of commerce, the humble coupon has always maintained its place in the value chain. After all, who doesn’t want to pay a few dollars less, get free shipping, or take home that exclusive free gift? With a history dating back to the Gilded Age of the late 1800’s, the coupon has carried people through the depression and has offered some degree of respite during the communist era. For a brief period in the 60’s, the coupon even became the poster child of family togetherness where Sunday morning coupon-clipping was a more popular activity than baseball or war protests! It has learned to evolve with the times and has been flexible enough to adapt to the consumers ever changing needs. The coupon is nimble, and has to a degree, transitioned from print to digital in a seamless fashion. In fact, a recent study by GfK tells us that 70% of consumers in America still look to traditional paper-based coupons for savings. It’s not an old person thing to do either, as 63% of these users come from the millennial age category. Couponing and the Asian Psyche A little closer to home, the physical coupon scene stands in stark contrast to the norm of the West. You can pick up any newspaper from around the Asian region, and be hard-pressed to find more than one tiny cut-out segment. Promotional flyers are handed out freely on the streets and in malls but are rarely redeemable, and we curse out loud whenever a sneaky merchant tries to give us some savings over SMS. Although we Asians are…
Traveling with friends is always exciting, especially when it’s your first time visiting a place. Apart from seeing new sights, you also get to share memories with your buddies and meet people along the way. From planning to packing to actually getting there, you savor every memory you get to spend with your barkada. However, not all friends are ideal travel buddies. There are friends who we just can’t deal with when taking an out-of-town trip. No matter how much you love that person you just can’t help but hate him when it comes to traveling. Alternatively, there are friends we love traveling with. They’re the perfect travel buddies, the ones who make our #travelgoals easier and more memorable. Relate much? Let’s dig deeper. Below are the 12 kinds of friends you love and hate traveling with. 6 Kinds of Friends You Love Traveling With The Walking Calculator If you’re traveling on a budget, don’t forget to tag this friend along. The Walking Calculator is good at budgeting. She can maximize your PHP 5,000 and take you and a bunch of other friends to a beach in Quezon or Batangas. She’s also strict when it comes to spending. In fact, she lists down all the expenses to ensure that your budget is right on track. The Itinerary Everybody loves The Itinerary aka the friend who does all the planning. He’s smart, he knows all the best places to visit, and he definitely knows how to create a schedule. The Itinerary is so good at travel planning that you and your…
The tedious process to add a third telco provider in the Philippines has made another step. Recently, the creation of an inter-agency committee[1] to oversee the entry of a third major telco was ordered by President Duterte. The committee shall provide support and oversight to the involved governmental institutions. Maybe this will help speed up the process after the original goal to have a candidate named by mid-March was not reached. With mobile internet and broadband speeds among the lowest, it is hoped that this will help give Filipinos faster internet connections. Homemade Telco Provider Instead of Foreign Entry? Over the past months, numerous conglomerates have stated interest in joining the Filipino market. President Duterte, on numerous occasions, has stated his interest in bringing in a Chinese telecommunication company[2]. However, the Philippines’ own PT&T has been eyeing a bid to join the market. Allowing PT&T to take on the role of a third telco and main competition to Globe and PLDT would give the Philippines a “homemade solution” as opposed to a foreign import. With all the sentiment involved in PT&T, of course, one must undergo a thorough evaluation. Any candidate, from the Philippines or foreign, should meet the highest of standards. They must both meet regulatory requirements but also promise to bring high quality and improvement. The reason for a third telco is to bring change to the market and help us all get the best mobile internet possible. We looked at PT&T with great detail to do our own evaluation. This will help you get an understanding of…
Weary and hurrying travelers are common targets of airport scammers. Don’t let this ruin your vacation. Before flying to your destination, be informed of the common airport scams in the Philippines to avoid hassle and irrelevant costs. Here are six of the most common to watch out for. Airport taxi scam Over the years, NAIA taxi drivers have become notorious for scamming tourists. Apart from stalling their meters, some drivers have also been reported for charging extremely high fares. Last March, food vlogger Mikey Chen shared how he and his companions were asked to pay PHP 2,300 (USD 44) to go from NAIA Terminal 3 to the nearby Terminal 4. That month, vlogger Haley Dasovich also shared her experience with a NAIA taxi driver who asked her to pay PHP 500 for a trip from the airport to Rockwell. Airport taxi scams like these are common so watch out for them. If you can, book a Grab instead of hailing white taxis that charge unbelievable fares. You can also ride yellow airport taxis as NAIA accredits them. However, note that these cabs have a higher flag-down rate. Laglag-bala Compared to other airport scams, “laglag-bala or “tanim-bala” is probably the most absurd. The scheme involves airport employees who allegedly plant bullets in unsuspecting passengers’ luggage so they can extort money from them. In November 2015, 30 laglag-bala cases were reported by the Philippine National Police Aviation Security Group (PNP ASG), alarming not only passengers but politicians as well. Zero laglag-bala cases were reported this year but travelers are still advised to…
Basketball has always been part of our culture. We watch street court games, participate in inter-barangay tournaments, and even buy merchandise of our favorite players. Here in the Philippines, the ball is life, indeed. And now that the 72nd season of the NBA is getting more intense, fans are more glued to their seats, anticipating the next game of their favorite team. I’m sure you’re one of them and you can’t wait for the finals to begin! However, watching the NBA real-time can be a problem, especially if you don’t know where to look. Luckily, there are telecommunication companies that can help you with your woes. Check them out and subscribe to a deal that works for you! Globe NBA League Pass Globe broadband subscribers can get the most out of the NBA when they register to Globe at Home’s NBA League Premium Pass. Stream live NBA games and browse through a collection of NBA classics for just PHP 499. Subscription is valid for 30 days only. Key features: Watch live NBA games in HD. Tune in to Regular Season, NBA All-Star, Playoffs, and Finals without interruption. Watch in-game highlights and commentaries from NBA legends. Catch games simultaneously across multiple devices. Look back into NBA history by watching a collection of NBA Hardwood Classics How to register: Go to Globe Broadband NBA Promo Codes. Register your name, birthday, and e-mail address. These should match with your application form details. Wait for your promo codes, which will be sent within 48 hours upon receipt of registration. Upon receiving your promo codes,…
Have you ever thought about the origin of the Philippine Peso? It isn’t really something to talk about, but knowing where our money came from—and how it has evolved—has its perks. After all, we use money every day. It’s one of the reasons why we work and why we are able to purchase goods. The Origin of the Philippine Peso The birth of the Philippine Peso isn’t complex. After the barter system, the Spanish introduced “teston” a silver coin that served as the main currency in the Philippines. When the economy bloomed, other currencies such as the Alfonsino Peso and Mexican Peso circulated in the country, ultimately giving more meaning to money and its importance. After gaining its independence from Spain in 1898, the Philippines started producing its own currency in coin and paper. The “sentimo” was introduced to differentiate coins from bills and to give more value to money when trading with locals and foreigners. And the rest, as they say, is history. Read More: The Philippine Coin: How It Has Changed in 50 Years [INFOGRAPHIC] The Philippine Coin: Its Significance Today Without the teston or the sentimo, we may not be using coins today. Think about it. Paying for a jeepney ride may mean handing out bills in multiple banknotes. That’s really inconvenient, especially when you’re rushing to work or a job interview. Despite its controversies, the Philippine coin is extremely significant to our economy. It has evolved in so many ways, depicting its value in the market and the advancement of our monetary system. You may not like…
Feeling the summer sun yet? How’s the planning going on your summer getaway? You’re probably worried about your budget. Luckily, the Philippines is rich in beautiful destinations that you can visit for less than a thousand bucks Filipinos can rejoice in the summer time without overspending and without cutting down on the fun. You don’t have to go for the most luxurious getaway; it’s all a matter of planning, proper budgeting, and preparing before your sweet escape from the metro. If you’ve maxed out your credit card or do not have much cash to spare, here are some of the coolest summer destinations you can choose from with instructions on how to get there, where to eat, where to stay, and an approximate budget that you need to prepare. Because of the summer heat, people choose to go to Tagaytay. The breeze and tourist destinations are big factors of its tourism. Plus, it’s convenient and easy to get there given its proximity to Metro Manila as compared to other cool places like Baguio. Through the years, Tagaytay City has reinvented itself to attract tourists. Taal Lake is best viewed while enjoying hot bulalo or eating freshly-picked pineapples. Bring the whole family to Tagaytay and have a great time in its cool climate and breathtaking views. How to Get to Tagaytay: Take a bus from the MMDA Southwest Integrated Bus Terminal at Coastal Mall or in DLTB Bus Terminal along Taft Avenue. Travel time is around 1-2 hours. Where to Eat: Green Ats Bag of Beans Mahogany Market[1] Budget: Fare: PHP 88…
We always look forward to weekends because they allow us to take a break from work and spend some time with family and friends. Some weekend activities, however, can be costly especially for millennials on a budget. If you spent too much during the Holy Week or if you’re saving for something more special (a new car, maybe?), here are some cheap activities you can do in the city this weekend. Cheap Activities to Keep You Busy This Weekend Watch a musical When was the last time you saw a musical? Last year? Last month? Or, uhm, never? Reconnect with music and theatre by seeing a musical this weekend. For less than a thousand bucks, you can experience quality artistry from local stage productions. One you should not miss is “Sa Wakas” a rock musical featuring the songs of Sugarfree. First staged in April 2013 then again in January 2017, Sa Wakas tells the sad love story of Topper and Lexi. Tickets are priced from PHP 800 to PHP 1,500 and are available through Ticketworld. Go on a bargain hunting Score cool discounts from the Manila Sundance Bazaar this April 6 to 8 at the SMX Convention Center Hall 3, Pasay City. Shop for tops, footwear, and accessories from local brands like DM Cat Cases, Pixie Dust, Cinta Manila, and Mura Clothing. Don’t forget to haggle and bring your credit card to earn rewards and points! See art in a park You can see art everywhere but this one is quite special. Organized by Philippine Art Events Inc., Art in…
Making plans for your summer getaway this year? Whether it’s for a solo trip, family outing, get-together with friends, or company team-building event, you can cut costs and get the most out of your travel-related purchases. Pinoy travelers love cheap flights—everyone knows that. But did you know that when you book flights to a summer destination in the Philippines or abroad, you can earn rewards and use them later to fly for free? That’s one smart way to save money on your next flights. All it takes is joining an airline loyalty program. What are Airline Loyalty Programs? Commercial airlines reward loyal passengers with air miles or points through loyalty programs, also known as frequent-flyer programs. In the Philippines, AirAsia has AirAsia BIG, Cebu Pacific has GetGo, and Philippine Airlines has Mabuhay Miles. Airline loyalty programs work like typical customer rewards programs of malls, bookstores, and gas stations. Each time you buy a product, you earn corresponding points. In the case of an airline, you earn points or miles when you book a plane ticket, buy from the airline’s partner outlets, or use an air miles credit card. 6 Benefits of Airline Loyalty Programs Booking flights under a loyalty program is a great opportunity to rack up rewards points. Heading out for a summer vacation? Take advantage of these perks when you sign up for a frequent-flyer program. 1. Free and Easy Membership Creating an account with an airline loyalty program is free and open to anyone, even to OFWs. Cebu Pacific used to charge a PHP 150 membership fee but has…
Applying for an overseas job is neither free or cheap. Prepare to pay from around PHP 28,000 to PHP 358,400, depending on your wage and country of employment. That’s the typical range prospective Overseas Filipino Workers (OFWs) shell out in hopes of landing work abroad, according to the Migrant Forum in Asia. Many aspiring OFWs exhaust their family savings or borrow money from relatives and worse, loan sharks, just so they can pay the expensive placement fee. They end up amassing huge debts. The more heartbreaking part is that the desire to work abroad is so strong, some of them aren’t aware that they’re being scammed by illegal recruiters. How to avoid being exploited as a would-be OFW? Know the right fees you’re required to pay, as well as the ones that your employer must shoulder. 1. There are Limits and Exemptions to Placement Fee Payment The Placement Fee Must be up to One-Month’s Salary Abroad Only Recruitment agencies licensed by the Philippine Overseas Employment Administration (POEA) are allowed by law to charge placement fees for their services. But it’s against the law to collect more than one month’s worth of the OFW’s basic salary. The salary from which the placement fee is computed must be the one stated in the POEA-approved employment contract. Until you’ve signed the contract, the agency cannot ask for the placement fee payment yet. You can also choose to initially pay only 50% of the fee and then pay the other half when the recruitment agency provides you with the travel documents and plane ticket. When you…
Working abroad is a dream for many Filipinos. However, one might have concerns regarding the safety of a particular country he or she would like to work in. Just last December 2017, the Philippine Overseas Employment Agency (POEA) released an advisory stating the countries that will remain to be off-limits to OFWs[1] in 2018 due to poor security and economic conditions. This list helps you cross off the countries that are unsafe for the foreign worker, so you can narrow down your options. To educate you further before you apply, we have compiled a list of the safest countries to work abroad, in no particular order: 1. Singapore Singapore ranks no.1 overall when it comes to the best countries to work in for foreign nationals. This is according to the 2017 HSBC Expat Explorer Survey[2]. According to the said survey, 82% of expats felt safer there than in their home countries. Also, the country’s crime rate is so low[3] that many local business found it unnecessary to lock their shops, or protect their displays and merchandise from robbers. CNBC correspondent Uptin Saiidi reported that there even came a time in 2016 where there were 135 days in a year that Singapore was crime-free. You’ll also feel safe knowing that there are surveillance cameras almost everywhere in this country. This was reinforced in 2017 through the PolCam 2.0 program by Singapore authorities, which aims to install 11,000 more cameras at thousands of locations across the island over the next four years. 2. Taiwan According to HSBC’s 2017 Expat Explorer report, Taiwan ranks as the seventh safest country for those…
Summer does not only mean weekly trips to the beach, but regular visits to the gym as well. With no doubt, this season is all about achieving #FitnessGoals to prepare for out-of-town trips and to forget the (good) food we consumed during the holidays. Nothing wrong with that. However, going to the gym can be expensive, especially for those on a budget. Fortunately, there are many ways to lose weight without spending much. Save your money, forget about that gym, and do the following. 1. Take longer walks Daily walking can increase your metabolism by burning calories and by preventing muscle loss. It can also alleviate work-related stress[1], making you feel happier and more energized. Make an effort to take longer walks every day. If you live near your office, walk instead of taking a jeepney or booking a ride-hailing service. Doing this does not only help you save but helps you shed off some pounds as well. 2. Jog twice or thrice a week You don’t need a treadmill to lose weight. All you need is a good pair of running shoes and a secured jogging path. Jogging can improve your cardiovascular fitness and can burn over 150 calories per mile. It also helps strengthen your muscles and maintain a healthy weight. Jog for at least 30 minutes in the morning or evening. You can do this inside your subdivision or a public park like Ayala Triangle or the UP Diliman Oval. Related: Best Health Insurance in the Philippines: Compare Now! 3. Stick to water Skip your daily intake…
Many people in the Philippines love to travel—not a strange thing, considering the beauty of this country and its people’s adventurous spirit. However, traveling can be sometimes difficult, especially when you consider that, for many, the income remaining after taxes, bills and other expenses is minimal. I myself used to be in that situation: a large portion of my income went into paying rent and bills, and what’s left after that was spent on food, transportation, and socials. How, then, was I able to visit more than 15 places in my nearly two years of staying in the Philippines? I must admit, it was tough, but not impossible. There are many factors you need to consider before planning a trip: Is it going to be a short-term one? Will you travel alone? Will you travel to somewhere near? What other expenses are included in the trip? Based on these, I have compiled a list of tips and tricks you can use to fund your travels with an average-paying job: 1. Pick Travel Dates Wisely Know the peak season of the places you’re interested to visit. Do you really need to go to Boracay for New Year’s Eve? Is Bohol a “must visit” province only during summer? Consider all these and how they can affect your whole trip. Not only would you have to spend your adventure in a packed place, you could also expect prices to surge. 2. Know the Promotions Subscribe to blogs like “Piso Fare” or follow travel-oriented Facebook groups that are easy to find. Keep track of…
To call Overseas Filipino Workers (OFWs) the modern-day heroes or Bagong Bayani is an understatement. Remittances from OFWs worth billions of dollars drive the Philippine economy. The unsung heroes endure homesickness and difficult working and living conditions just so their family back home can live comfortably and have a better future. Some of them don’t even get to return home alive. Do you have a loved one working abroad? Be grateful. The least you can do to repay your OFW’s hard work and sacrifices? Stop treating them like an ATM and start making their hard-earned remittances count. OFWs, together with their families, must work together so that they can return home for good without getting broke. While waiting for that moment, OFWs and their loved ones can take these five steps to make that dream homecoming happen. 1. Make a Timeline for Your Homecoming When can you afford to settle down in the Philippines? Be clear about your timeline. It can be as short as two years or longer than 10 years, depending on your earnings, expenses, and savings. Create a definite and realistic exit plan. For example: “I want to return X years from now. By then, all my children have graduated from college, and we have built our new home in Bulacan.” This will make your homecoming feel more like an attainable goal than a far-fetched idea. Involve your family. Discuss your target homecoming timeline with your spouse, children, and parents. Make them understand your perspective, too. This way, it’s easier to get their commitment to helping you meet…
There’s no need to be lonely this Valentine’s Day, even if you’re single and not ready to mingle. Don’t let the love month bring you down. Despite the hugots, it’s important to spend time and give back to the people who truly matter to you. Grab that opportunity this Valentine’s Day. Here are seven people you can take out on February 14. Choose Your Valentine’s Date! Mom Our mothers have always been there for us—from the moment you had your first crush to that time you had your heart broken. This makes your mom the perfect Valentine’s date. Put your emotions at rest and treat your nanay this Valentine’s Day. Take her shopping (it’s the ultimate bonding experience, especially for ladies) or book a fancy candlelight dinner to make her feel extra special. Dad Fathers may be tough, but they have a sweet spot too. Take tatay out this Valentine’s Day even if he finds it too cheesy. Go out for burgers and beers or bring him in a place that suits his interest. Does he love basketball? Invite him to a PBA game. Does he love cars? Try kart racing.[1] Think of the things your dad loves and plan an activity from there. Brother/Sister It’s always heartwarming to spend time with a brother and/or sister. Apart from catching up, you also get to chat about your relatives and common friends. If you and your sibling are both single, plan a Valentine’s date together. It can be as simple as watching a movie, taking an out of town drive, or shopping…
Think you aren’t getting your money’s worth with a consumable broadband service? Switching to an unlimited broadband plan could be a better choice for you. Browse, stream, download, and play as much as you’d like without worrying about exceeding your data usage and being charged with ridiculously high fees. Internet service providers that offer unlimited broadband in the Philippines include Converge, Globe, PLDT, and Sky Broadband. Smart Bro has ceased providing unlimited internet packages since 2015. Sun Broadband has non-stop surf plans but implements a fair use policy, meaning you’ll pay extra and experience a slower connection when you exceed the allowed allocation for certain online activities. Now that you know your options, consider these eight things when choosing the best-unlimited broadband plan for you. 1. Unlimited Broadband Availability in Your Area Which broadband providers operate in your location? Is a certain broadband plan available in your area? If so, is the connectivity strong or weak? An ISP’s broadband connectivity varies per area. For instance, particular broadband service in Antipolo may not be as reliable as that in Makati. Make sure to check these things first before considering anything else. You don’t want to go through the hassle of applying for a broadband package, only to find out later that your location is out of the ISP’s broadband coverage area. Worse, you’ve already availed of service—and although broadband connectivity is available in your area, it’s painfully slow. To check broadband availability in your area, contact the provider’s hotline or visit its nearest store. Some telecom companies have an online tool on…
In the Ericsson Mobility Report 2017, it was reported that there is over a 60% penetration rate of smartphones in the Philippines. This relates to a growth of 50% since 2015 and all signs are still pointing upward, with a massive growth of mobile data to be expected by 2020. Smartphone’s and the internet access they give us have become an everso important part of our lives in the Philippines. Especially social networking, instant messaging and video streaming are among the top five app categories actively used by smartphone users in the region. In the Philippines, Facebook, Facebook Messenger, Viber, YouTube, and Instagram are the top five apps actively used by smartphone users. What many users may not know, is that these social and streaming apps are the one’s that require the largest amounts of data. Because of the data caps that apply to nearly all promos and postpaid plans, it is important to understand how much you different activities actually need. What Can You Do With 1GB Worth of Mobile Data In today’s connected age, it’s hard when you hit your mobile data limit. Hitting it at the most inopportune times may prevent you from sending that e-mail that you really needed for work, or cause your video conference to lag. It may cut your download speeds for video streams to extremely low rates and especially if you do not have a good broadband plan at home, this will limit their enjoyability. In case you’re looking into changing your broadband plan at home, you can check out some options online….