All Articles With Category : Personal Finance

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

What is Metaverse in Crypto and Other Important Things You Should Know

When you think about the future of gaming, what comes to mind? VR? Augmented Reality? These are part of the future of gaming, but another platform is starting to gain traction — blockchain games.  As mobile gaming and cryptocurrency become more popular in the Philippines, it’s essential to understand the technologies that make them work. This article will answer what is Metaverse blockchain and how it makes digital assets like tokens and virtual reality games possible. Learn how it works and its potential in generating income through investments in digital assets.  Table of ContentsWhat is Metaverse and Its Origins?How Does Metaverse Work?  What are the Key Features of Metaverse?Social ExperiencesBusiness Applications 3D and Augmented Reality Metaverse vs the InternetWhat are Some Examples of Metaverse Crypto Projects?DecentralandThe SandboxAxie InfinityHow to Buy Metaverse Crypto like MANA, SAND, and AXSFinal Thoughts What is Metaverse and Its Origins? The Metaverse is a term coined by Neal Stephenson in his science fiction novel Snow Crash[1] to describe a virtual reality (VR) world where users can interact with each other and computer-generated characters and objects. The word “metaverse” is a portmanteau of the prefix “meta” (meaning “beyond”) and “universe.”  Stephenson described the Metaverse as “the next place to be,” an extension of cyberspace that would be used for more than just communication and information exchange. In Snow Crash, the Metaverse is a 3D virtual world where users can create avatars to represent themselves and interact with others in various ways, including flying, driving, and shooting. How Does Metaverse Work?   The metaverse is a digital universe that exists…

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Just Tied the Knot? 10 Tips to Find the Perfect House for Newlyweds

Ready for the next chapter of your life? If you’re reading this, home-buying is clearly on the horizon for you. It hardly matters if you’ve recently tied the knot, are still planning for the big day, or are just looking to build a home with your significant other. Just reaching this milestone is a great feat on its own and should be met with deserved cheers. Congrats on unlocking a new level of adulting! Take a moment to celebrate. But when the applause dies down, make sure to plant your feet back on the ground. Remember that home-buying is not as glamorous as it seems. You need a lot of time, money, patience, and—if this is your first big purchase as a couple—courage to get through this in one piece. Lucky for you, we have some tips below on how to buy a house for couples so that you don’t have to go house-hunting with a blunt spear. Table of Contents10 House-Hunting Tips for CouplesDo a Finance Health CheckStart a House FundImprove Your Credit ScoreGet Pre-Approved for a LoanKnow Your Loan OptionsDevise a Realistic PlanGet Your Priorities StraightResearch About Real EstateFind the Right RealtorAttend Open Houses Final Thoughts  10 House-Hunting Tips for Couples Buying a house isn’t as easy as they make it look in lifestyle shows: couple shows up at an open house, falls in love with the place, and then issues a check before the episode is over. In real life, there are a lot of things to consider before you decide on the perfect house for couples….

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No More Bill Shock: How to Compute Your Meralco Bill and Electricity Consumption

Don’t you just hate getting shocked by how much your electricity bill has increased compared to previous months? Especially now that it’s the summer season once again and you’re mostly at home, your electric consumption is probably higher than before. Here’s a guide on how to compute your Meralco bill to avoid bill shock.  Table of ContentsBreaking Down Your Meralco Bill Payment55% to Generation Charge10.1% to Transmission Charge17.5% to Distribution Charge11.7% for Taxes5.7% for Other ChargesFactors Affecting Your Electricity Bill1. High Heat Index and Increased Demand2. Month-on-Month Rate and Consumption Increase3. Type of ApplianceLearn How to Read Your Electric MeterHow to Compute Meralco Bill How to Compute Electric Consumption in the PhilippinesManual ComputationOnline Computation Using the Meralco CalculatorOnline Computation Using the Wattmatters CalculatorHow to File a Complaint for Meralco BillFAQs on How to Compute Meralco Bill1. How much is the Meralco rate per kWh in 2022?2. How do you compute electric consumption using a submeter?3. How do you pay for your Meralco bill using a credit card?Final Thoughts Breaking Down Your Meralco Bill Payment According to Meralco, only 17% of your total bill[1] goes to the company. This means that if your total bill for March 2022 is ₱3,000, only ₱510 of this goes to Meralco. So where does the rest of your payment go? Here’s the breakdown. 55% to Generation Charge The Generation Charge goes to paying Meralco’s electricity suppliers, like the Independent Power Producers (IPPs) and other power producers.  10.1% to Transmission Charge The transmission charge is also known as the delivery charge. When Meralco buys electricity from its…

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What You Should Know About Green Investments in the Philippines

The effects of climate change are real. We experience them globally with more intense storms, heat waves, drought, rising sea levels, warming oceans, and melting glaciers. The result? Loss of lives, properties, communities, and livelihoods.  Sadly, the effects of climate change will only get worse and more devastating in the future, unless we start doing our part in supporting green companies and their green projects, such as green investments.  What exactly are green investments, and why should we care? Keep reading to learn more.  Table of ContentsBut First, What is Green Finance? What are Some Examples of Green Finance Products?How Do Green Investments Work?Green Finance Structure in the Philippines Green Finance Initiatives in the Philippines What are the Benefits of Green Investments? What are the Drawbacks of Green Investments? So Why Do We Need to Support Green Investments?Final Thoughts  But First, What is Green Finance?  Green finance isn’t a new term. In fact, its roots go back as far as the 1970s. However, it was only in 2015 that it reached the critical threshold when the Sustainable Development Goals and the Paris Agreement were launched.[1] The simplest definition of green finance is any structured financial activity that’s been created to ensure a better environmental outcome.[2] This can be financial services or products such as investments, loans, or debt mechanisms, which encourage and support environment-friendly projects, or any financial activity that reduces the impact on the climate. It can even be a combination of both.  The goal of green finance is to promote green activities and eco-friendly projects that are also economically friendly. Furthermore, it seeks…

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Holiday Pay Rules and Computation for Employers and Employees in the Philippines

As an employer, do you observe the holiday pay rules mandated by the Labor Code of the Philippines? And if you’re an employee, are you paid correctly for the work you’ve rendered on a holiday? You might dismiss the importance of this kind of pay, but it’s essential to know the holiday pay computation in the Philippines. For employees, it ensures they receive fair compensation for working on a holiday. For employers, it ensures compliance with the law and prevents salary disputes from employees. Here’s everything you need to know about holiday pay in the Philippines. Table of ContentsWhat is Holiday Pay?Who is Entitled to Holiday Pay?How to Compute Holiday Pay in the PhilippinesRegular Holiday Pay ComputationSpecial Holiday Pay ComputationIs Holiday Pay Taxable?Final Thoughts What is Holiday Pay? Holiday pay is the amount that eligible employees in the private sector receive—whether they worked or not—on a regular or special non-working holiday. Under the Philippine Labor Code,[1] employees covered by holiday pay rules should receive at least 100% of their salary even if they didn’t report for work, as long as they’re present on the workday or on paid leave on the day immediately before the holiday. Who is Entitled to Holiday Pay? Not all employees in the Philippines are entitled to this kind of pay. You’re exempted from receiving this government-mandated benefit if you belong to any of the following groups: Workers for retail and service companies with less than 10 regular employees Managerial employees Managerial staff members and officers Government employees Kasambahays Employer’s family members who are dependent on the…

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Your Complete Guide to Lalamove Delivery Rates in the Philippines

Years and years ago, scouting for delivery or moving services was such a taxing chore. You’d find yourself combing through different telephone directories or even browsing the classified ads sections of countless newspapers. If you were lucky enough, a family relative or a friend would give you a recommendation. But all of that is a thing of the past now. Thanks to your smartphone, finding a delivery or moving service is just a few taps away. One of the most popular companies in this industry is Lalamove Philippines. Lalamove can deliver a wide range of items, from documents that you’ve forgotten at home to furniture that you’ll move to a new crib. Are you running a restaurant or shop? If you don’t have your very own delivery service, Lalamove can fill that gap with their business solutions. If you want to know more about how Lalamove can help you, check out this comprehensive guide. This article also covers Lalamove delivery rates, so you can plan your personal transfers accordingly. Table of ContentsWhat is Lalamove?What are the Benefits of Getting Lalamove’s Services?1. Quick Response2. Professionally Trained Drivers3. Reliable AppWhere Does Lalamove Operate?Lalamove Delivery Services in the Philippines1. Lalamove Courier Service2. Lalamove Purchase Service3. Lalamove Logistics Services for Businesses4. Lalamove Food Delivery Service for BusinessesAdditional Lalamove Services and App Features1. Multi-Stop Deliveries2. Queuing Service3. Driver Carries and Additional Assistant Services4. Lalamove In-App Chat5. Lalamove Cash on Delivery Service6. Lalamove WalletHow Does Lalamove App Work?How to Use Lalamove App for Booking a DeliveryHow to Use Lalamove App for Booking a Pabili RequestLalamove Rates…

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How to Buy Axie Infinity Coins Using Binance: A Guide for Players and Investors

Non-fungible token (NFT) games are all the rage these days. They’ve given people a new way not only to entertain themselves but also to make money. One of the most popular NFT games in the Philippines is Axie Infinity. The pandemic pushed a lot of Filipinos to play Axie Infinity.[1] The response to the game was overwhelming, attracting a lot of new players. And because the game runs on two virtual currencies with a real-life value, many crypto investors started venturing into this metaverse, too. The game’s two coins, namely Smooth Love Potion (SLP) and Axie Infinity Shards (AXS), can now be traded on Binance, the world’s largest crypto exchange. If you want to know how to buy and sell Axie Infinity Coins using Binance, here’s a quick guide that you should check out. Read more: 5 Essentials for Cryptocurrencies: Get Started Now Table of ContentsWhat are Axie Infinity Coins?How to Buy Axie Infinity Coins Using BinanceHow to Buy USDT Using BinanceHow to Buy SLP and AXS Using BinanceHow to Sell Axie Infinity Coins Using BinanceHow to Sell SLP Using BinanceHow to Sell AXS Using BinanceHow to Transfer Axie Infinity Coins from Binance to RoninFinal Thoughts What are Axie Infinity Coins? If you’re new to the game, it’s important that you know the difference between Axie Infinity’s two native currencies: SLP and AXS. SLP is an Ethereum-based cryptocurrency that you’ll earn from playing the game. This is required for breeding Axies, which are the NFT characters that you’ll use for completing quests and battling other players. As of this writing,…

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Inheriting Property? Learn About Estate Tax in the Philippines First

American genius Benjamin Franklin once said that nothing’s certain except death and taxes.[1] More than 200 years later, his wise words still ring true. And even in the event of your passing, you’ll still be troubled with taxes. Only this time, the family you’ve left behind will be the ones dealing with them. Such is a payable called estate tax. The ongoing presidential campaigns suddenly piqued the interest of the public in this matter.[2] And there’s no better time to discuss this than now. However, estate tax in the Philippines will always be a relevant topic. Knowing your estate taxes comes with some benefits. For one, it’ll help you prepare your family for what they’ll need to settle financially once they’re ready to receive your assets when you pass. On your end, it will help you come up with a smart transfer plan, which in turn will result to lower estate taxes. Keep reading if you’re ready to learn more. Table of ContentsWhat is Estate Tax in the Philippines?Who Pays for the Estate Tax in the Philippines?How to Compute Estate Tax in the PhilippinesGross EstateNet EstateComputing the Estate TaxWhat are the Requirements for Paying Estate Tax in the Philippines?How to File for Estate Tax ReturnWhat are Some Common Estate Tax Problems?Insufficient Funds for PaymentHefty Estate TaxEstate Tax in the Philippines FAQs1. What will happen if the estate tax isn’t paid?2. What is Estate Tax Amnesty?3. When is the deadline of the Estate Tax Amnesty?Final Thoughts What is Estate Tax in the Philippines? The Bureau of Internal Revenue (BIR) defines estate…

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4 Steps to Apply for a Franchise Business in the Philippines

When COVID-19 hit the Philippines in 2020, the entire economy suffered a blow. Large corporations and small businesses were forced to file for bankruptcy or close up shop, leaving average workers displaced from their jobs. This pushed many to try out different means of earning, securing, or growing their income to achieve financial security. Bolder souls tested out their pandemic-proof business ideas while first-time entrepreneurs took the franchising route—and for good reason. While the franchise industry also went through a rough patch because of the pandemic, it’s now expected to recover in 2022 before reaching its peak in 2025.[1] If you’re interested in exploring this profitable industry, check out this guide on how to start a franchise business. Table of ContentsHow to Start a Franchise Business: Know the Pros and Cons of FranchisingFranchising ProsFranchising ConsTypes of FranchisesHow Much Does It Cost to Start a Franchise Business?How to Start a Franchise Business in the Philippines1. Reach Out to Your Target Franchisors2. Prepare and Submit Franchise Requirements3. Meet the Franchisor4. Review the Franchise Agreement CarefullyHow to Open Your Business for FranchiseQualifications to Sell a FranchiseRequirements to Sell a FranchiseFinal Thoughts How to Start a Franchise Business: Know the Pros and Cons of Franchising Every business endeavor has two sides: the positive and the negative. You should consider both before making any commitments. Below are some pros and cons of franchising. Franchising Pros Lower Business Risk: When you franchise a business, you’re essentially replicating something that’s already been proven and established, thus minimizing any potential risk. Brand Recognition: You can skip a few…

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Be a Business Owner Today: 10 Steps to Starting Your Own Buy and Sell Business

A buy and sell business is one of the easiest and cheapest small business ideas in the Philippines. You don’t need a business-related degree (though having one is an advantage) and large capital. Anyone—even college students, stay-at-home mothers, and inexperienced people—can start this kind of business for as low as ₱10,000. Buy and sell businesses can be profitable, too. Pinoys love good bargains in small quantities (also called tingi) but don’t have the time, energy, and patience for shopping at places like Divisoria. As a reseller, you buy cheap items in bulk and sell them in retail at higher prices. This allows you to offer low-priced products to budget-conscious consumers while still earning good profits. Above all, the internet makes building and running a buy and sell business from home one of the most profitable business ideas nowadays. Those are the whys of buying and selling for profit. Now, let’s tackle the hows of it. Here are the crucial steps aspiring entrepreneurs should take to start a buy and sell business in the Philippines. Table of ContentsHow to Start a Buy and Sell Business in the Philippines1. Research Your Market2. Write a Business Plan3. Look For Sources of Capital4. Choose Products to Sell5. Find Wholesale Suppliers6. Set Up Your Store7. Open Accounts for Receiving Payments8. Get a Shipping Service Provider9. Register Your Business and Secure Permits10. Promote Your Buy and Sell BusinessFinal Thoughts How to Start a Buy and Sell Business in the Philippines Considering starting a buy and sell business this year? It may seem like a daunting task….

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8 Driving Tips to Save Gas and Improve Your Fuel Economy

News about fuel price hikes is not uncommon to Filipinos. In fact, we’re all gearing up again for another fuel price increase after just a week of oil price rollbacks.[1] Now more than ever, every drop has become so precious that we really can’t afford to waste it. Unfortunately, there’s not much we can do about the soaring fuel prices. For now, all car owners can do is to save gas in every way possible. How to save gas while driving and keep your fuel expenses low? It’s all about changing your driving habits that waste fuel. Check out these driving tips on how to save gas when driving manual or automatic to increase your fuel economy. Table of ContentsHow to Save Gas While Driving: 8 Tips to Reduce Your Fuel Consumption1. Avoid Hard Braking2. Switch Off Instead of Idling3. Choose a Route with a Better Traffic Flow4. Keep a Proper Tire Pressure5. Use the Right Fuel Type6. Travel Light7. Use Your Car’s Aircon Properly8. Have Common Car Maintenance Issues CheckedFinal Thoughts How to Save Gas While Driving: 8 Tips to Reduce Your Fuel Consumption 1. Avoid Hard Braking Braking hard as you approach a red light is less energy-efficient than coasting, raising your fuel consumption by as much as 40%. Not only does hard braking consume more gas. It also causes premature damage to the brake pads, discs, and rotors (which means spending more often to have your brakes fixed). Be aware of the cars in front of you. If you see them slowing down, anticipate that the traffic…

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From Digital Art to Music: These NFT Celebrities are Earning Serious Money

The art world has been changed forever. Gone are the days when artists needed to find a broker to sell their pieces at a good price, when online creators have to fight tooth and nail for the ownership of their work, and when collectors only had to invest in tangible artworks. That’s all thanks to non-fungible tokens or NFTs. The NFT art market’s starting to become a massive industry. And because NFTs have strong associations with artistic endeavors, it can’t be helped that celebrities are becoming part of this burgeoning trade. In this article, you’ll learn more about the nature of NFT in the art world. You’ll get to meet the stars, both local and international, who have dabbled in the business. You may also see some of the NFTs these celebrities have launched. Table of ContentsUnderstanding How NFT Artworks WorkWhy are Celebrities Joining the NFT Craze?Popular Celebrities Who Have Launched NFTs1. Heart Evangelista2. Nadine Lustre3. Manny Pacquiao4. Paris Hilton5. Emily Ratajkowski6. Shawn Mendes7. Lindsay Lohan8. Grimes9. Lionel Messi10. Stephen CurryCelebrity NFT FAQs1. Are there celebrities buying NFTs?2. Are there celebrities against NFTs?3. Can I draw a celebrity and sell the drawing as an NFT?  4. Where can I buy NFTs of celebrities?  Final Thoughts Understanding How NFT Artworks Work For the uninitiated, an NFT art piece is a creative work or asset that resides on a blockchain. Because it’s non-fungible or unique, you can’t trade it at equivalency just like a cryptocurrency.[1] If you buy an NFT art piece, it means that you’re the sole owner of the said…

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Ready to Start Earning More? Here’s How to Earn Money on YouTube This 2022

Humans are visual creatures. That’s why it’s no surprise that we’re drawn to video content more than any other media format. YouTube’s a testament to that—just ask anyone who’s ever been on the internet, and they’ll swear by the power of this video-sharing leviathan. Since its launch in 2005, YouTube has come a long way, with billions and billions of views to boast. No matter your interest—be it politics, celebrity gossip, education, or video games—you’ll surely find something to your liking on the platform. That’s how humongous YouTube has become. With the influx of traffic it gets by the second, it’s only natural that YouTube has grown into a money-making machine for its content creators. If you’re looking for a side gig or a new career that will let you jumpstart a cozy post-pandemic life, check out this guide on how to earn money on YouTube. Table of ContentsHow to Earn Money on YouTube: The Minimum RequirementsHow to Create YouTube Content That SellsUnderstand Your Brand EssentialsInvest in Tools, Technologies, and TechniquesOptimize Every UploadWays to Monetize Your Content Through the YouTube Partner ProgramAdvertising RevenueYouTube PremiumChannel MembershipsMerch ShelfSuper Chat and Super StickersFinal Thoughts How to Earn Money on YouTube: The Minimum Requirements Simply uploading a video on YouTube won’t earn you a dime. Also, you won’t be monetized by default just because you’ve set up your own channel and have a handful of followers. There’s a minimum threshold for subscriber and view count that you must meet for you to start getting that coveted YouTube payout. Want to know how to earn…

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Your Guide to Maximizing Your Earning Potential on TikTok This 2022

TikTok is one of the world’s most popular social media platforms. Ever since it blew up among younger users worldwide, it hasn’t stopped smashing records. Recently, it was crowned as the most downloaded app in 2020[1] and 2021.[2] That’s two years in a row of absolute domination! With a user base that keeps growing by the second, TikTok’s hard to brush off. If you’re someone looking for a platform that pays, you’ve probably wondered about this before: Can you earn money from TikTok? The answer’s a short and sweet yes. The app’s massive following offers a huge potential for you to grow your audience and maximize your earnings while on lockdown. If you’re ready to capitalize on this app’s growing popularity, check out this guide on how to earn money on TikTok. Table of ContentsHow to Get Monetized on TikTok1. Collect Virtual Gifts Through Lives2. Sell Merch to Followers3. Promote Your Music4. Accept Brand Sponsorships5. Post Affiliate Links6. Create TikTok Ads7. Join the TikTok Creator FundOther Tips on How to Earn Money on TikTok1. Take a Content-First Approach2. Use Video Editing Techniques and Tools3. Capitalize on TikTok Trends Final Thoughts How to Get Monetized on TikTok TikTok’s a treasure trove of fun, bite-sized videos about all sorts of things. It’s also a great hangout spot if you’re looking for a quick mood booster. But more than its entertainment value, TikTok’s monetary incentives are actually what draw creators, marketers, and entrepreneurs like yourself into the platform. Here are a few tips on how to monetize TikTok while enjoying the app: 1. Collect…

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Start Selling on IG: How to Use Instagram for Business

So many social media platforms are clamoring for people’s attention these days. But for many, Instagram still remains as one of their ‘big three.’ More than a decade after it was first introduced, the app is still popular, especially among younger people who relish the idea of having a visual documentation of their lives. From its humble beginnings as a photo-sharing app, Instagram has evolved into a multifunctional platform that can be used for many things—one of them, commerce. Content creators and big businesses alike have made it their home. In no time at all, Instagram can also be the new lair for your own personal brand. Check out this guide on how to create and leverage your Instagram business account to start making a living online. Table of ContentsEstablishing Your Instagram Business Account Strategy1. Know Your Brand2. Know Your Audience3. Know Your GoalsInstagram Business Account: Create and Optimize Your PageHow to Create a New Instagram AccountHow to Switch from a Personal to a Business AccountHow to Optimize Your Instagram Business AccountAnatomy of an Instagram Post: Visual, Content, Hashtag1. Visuals2. Content3. HashtagsLive Selling on InstagramHow to Set Up Instagram LiveLive Selling Tips on InstagramExtra Tips to Grow Your Audience and Earn More on Instagram1. Respond to Comments and Mentions2. Cross-Promote to Other Social Media Platforms3. Post Regularly to Remain Top-of-MindFinal Thoughts Establishing Your Instagram Business Account Strategy What is Instagram for Business in the first place? It’s quite simple—as the name suggests, it’s just the commerce feature of your typical Instagram account. If you’re completely new to how an Instagram…

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eToro for Beginners: A Quick Guide on Using This Crypto Trading Platform

Trading digital currency can be a confusing and daunting task for newcomers. But with the right crypto trading platform and some guidance, it can be a fun and profitable experience.  In this article, we’ll take a look at eToro, an online trading platform that offers crypto trading in the Philippines. We’ll go over what eToro is, how to use it, and what are some of the benefits and drawbacks of using this particular platform for eToro crypto traders.  So if you want to have a good idea of whether or not the eToro platform is right for you, this article can help.  Table of ContentsFirst Things First: What is Crypto Trading?What’s eToro, and How Do You Use It?What are the Features of eToro?What’s the Minimum Initial Deposit on eToro?How Do eToro Crypto Traders Buy and Sell on the Platform?What are the Drawbacks of Using the eToro Trading Platform?Can I Make Money on eToro?Final Thoughts First Things First: What is Crypto Trading? Crypto trading is the process of buying and selling cryptocurrencies. Note that cryptocurrencies are decentralized and not subject to government or financial institution control. In addition, crypto traders buy and sell cryptocurrencies to make profits from price fluctuations.  One thing that any new investor or trader should know is that cryptocurrency prices can be highly volatile, making crypto trading a risky investment. Traders must be familiar with the cryptocurrency basics and the technical aspects of blockchain technology and cryptocurrency to trade successfully. Read more: Dabbling in Crypto? Learn More About Crypto Apps What’s eToro, and How Do You Use…

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Coinbase Basics: How to Create a Coinbase Account, Trade Crypto, and More

Whether you’re planning to start investing in crypto or you already have a few coins to your name, you’ve probably come across Coinbase. It’s not hard to miss since it’s one of the world’s most popular crypto exchanges. Currently, it takes the second spot of CoinMarketCap’s list of top cryptocurrency exchanges.[1] That says a lot about its credibility and reliability. Before investing in crypto, familiarize yourself with the platform first. We’ve put together a comprehensive explainer that will help you use this exchange, from creating a Coinbase account to cashing out your funds. Let’s roll! Table of ContentsWhat is Coinbase?Is Coinbase Beginner-Friendly?Is Coinbase Safe? Is Creating a Coinbase Account Free?How to Create a Coinbase Account?Step 1: Secure Your RequirementsStep 2: Create Your Coinbase AccountStep 3: Verify Your Email AddressStep 4: Nominate a Legitimate Phone Number and Have it VerifiedStep 5: Input Your Personal InformationStep 6: Have Your Identity VerifiedStep 7: Choose a Payment MethodHow to Buy Crypto on CoinbaseHow to Sell Crypto on CoinbaseHow to Cash Out in CoinbaseCoinbase Account FAQs1. What are the cryptocurrencies supported by Coinbase?2. What’s the difference between Coinbase and Coinbase Pro?3. What’s Coinbase Wallet?4. Can I trade NFTs on Coinbase?5. I have an issue with my Coinbase account. Who should I contact?Final Thoughts   What is Coinbase? Started in 2012, Coinbase is a crypto trading platform that allows you to buy and sell digital currencies. It may even double as one of your wallets since it allows you to store crypto. According to Coinbase, it has more than $270 billion assets on its platform and…

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Autosweep RFID Guide: Hassle-Free, Quicker Travel for Motorists

Movement from point to point may have fundamentally changed due to the pandemic. But for many of us, travel still remains a key part of our day-to-day. Whether it’s people or objects that are moved around, travel can’t be altogether erased from our routines. If you’re someone who often has to be on the road, you know how much of a hassle it can be to travel across cities, provinces, and even regions. With traffic being a constant problem in the Philippines, expressways are almost heaven-sent. Almost—because even they get clogged at toll plazas. Enter radio-frequency identification or RFID. This technology facilitates cashless transactions at toll gates, significantly reducing your time spent queueing and paying for expressway toll fees. Autosweep RFID is one of the primary RFID systems used in major expressways in the Philippines. Here’s a quick guide on how to use it. Table of ContentsWhich Tollways Does Autosweep RFID Cover?Are Autosweep and Easytrip the Same?Can I Merge Autosweep and Easytrip?How Do I Apply for an Autosweep RFID Account?How to Apply for an Autosweep To Go CardHow to Apply for an Autosweep Premium CardWhat are the Requirements for Autosweep RFID Application?Autosweep To Go Account:Autosweep Premium Personal Account:Autosweep Premium Business Account:Can I Get an Autosweep RFID Online?How Do I Register My Autosweep RFID to Easytrip?How Do I Use the Autosweep Sticker and Card?Can I Borrow Another Person’s Autosweep RFID?How Do I Make an Autosweep RFID Balance Inquiry?How to Check Your Autosweep RFID Balance via SMSHow to Check Your Autosweep RFID Balance via the Mobile AppHow to Check Your Autosweep RFID…

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UITF in the Philippines: What Makes It the Right Investment for You?

Millennials are now considered the country’s next super investors considering their growing interest in the real property market.[1] But investing in real property demands a larger capital. Thus, investments like a unit investment trust fund or UITF in the Philippines allow you to earn passive income even with a small amount to start with.  Although UITFs pose risks like any other type of investment, they also offer a lot of benefits to your growing fund. If you’re interested to know more about UITF, read on and learn how it can jump-start your investment journey. Table of ContentsWhat’s a Unit Investment Trust Fund?How Does a UITF Work?What are the Different Features of a UITF?Different Types of UITFs in the PhilippinesMoney Market FundsBondsBalanced FundsStocks or EquitiesHow do I Earn from UITF in the Philippines?Pros and Cons of Investing in UITFPros of UITFsCons of UITFsWhat are the Risks of Investing in UITF in the Philippines?Is UITF the Right Investment for Me?Your Goal The Company  Type of UITFHow to Invest in UITF in the PhilippinesFees and Charges InvolvedWhat is NAVPU?Formula to Get NAVPUHow to Compute UITF EarningsWhat are the Top UITFs in the Philippines?GInvest as a UITF PlatformFAQs about UITF in the Philippines1. What document serves as proof that I’m a UITF investor?2. Can I invest in multiple UITFs?3. How do I determine my gains and losses from a UITF product?4. When do I get the gains from my UITF investment?5. Are earnings from UITFs guaranteed?6. What’s a unit of participation in UITF?Final Thoughts What’s a Unit Investment Trust Fund? Not sure what the UITF meaning…

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How I Started a Small Business While Working and Raising My Baby

Having a full-time job is exhausting and time-consuming enough. What more if you have an online business and a baby to take care of?  Danica Fernando can certainly relate. This young first-time mom certainly wears many hats, and she makes it look so effortless! But while she may be enjoying the best of both worlds with a full-time job and her own business, it’s not a walk in the park.   Read her full interview as she shares the perks, rewards, and challenges of running a business while working full-time and being a hands-on mom to her daughter.  Table of ContentsRunning a Business While Working Full-Time and Being a SupermomWhat’s the story behind your online shop Dara Scents?Why did you start a fragrance business?How much was your capital? What were your preparations to get the business running? What are the challenges of running Dara Scents while having a full-time job? How do you manage your time, workload, and responsibilities?What makes having your own business worth it? What advice can you give other women who also want to open a side business while working a full-time job?Final Thoughts Running a Business While Working Full-Time and Being a Supermom What’s the story behind your online shop Dara Scents? Dara is actually the nickname of our baby. Having our own small business has always been one of our goals, too. We just didn’t know when or how we’re going to do it. And then the pandemic happened. Also, in 2021, my partner and I found out that we were going to have a baby, so we had to…

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