Dabbling in Crypto? Learn More About Crypto Apps
- By Jay Pagkatotohan
- January 24, 2022
The growth of cryptocurrency in the Philippines is unstoppable. If you’re looking for proof, the country’s transactions in virtual currency, including cryptocurrency, jumped by 71% during the first half of 2021. This means that the said transactions hit PHP 106 billion from PHP 62.12 billion in the same period of 2020. The Bangko Sentral ng Pilipinas (BSP) even claims that the pandemic keeps serving as a catalyst to the digitalization of such transactions. [1] If you’re an investor, chances are you’ve considered riding the trend in the hopes of making it big―or you might have already dipped your toes in this pursuit, which is why you’re reading this article. Increasing your odds of success in the crypto trade requires proper management of assets, something that you can do when you’re equipped with the right apps. Here’s everything you need to know about crypto apps and platforms in the Philippines. Table of ContentsWhat is a Crypto App?What are the Types of Crypto Apps?Crypto Trading AppsDigital WalletsData-Based Apps and Insights AggregatorsHow to Choose the Right Crypto App or Platform1. Know Your Investment Skillset2. Check the App’s Usability3. Look at the Fees3. Gauge the SecurityFinal Thoughts What is a Crypto App? Everything about cryptocurrency, from investing to trading, happens online. And to initiate or participate in a crypto-related activity, you need a specialized tool. Simply put, a crypto app is a type of software that allows you to store, buy, and sell cryptocurrencies. It may also let you track cryptocurrency prices and exchanges, which in turn allows you to make a sensible decision. Moreover,…
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The Cost of Owning a Dog: Maintenance, Vet Check-up, and More
- By Moneymax
- January 21, 2022
For some of us, the ideal best friend is a furry, hyperactive, and four-legged creature. If you want someone to keep you company or someone who loves warm cuddles, an adorable dog will surely fit the bill. Owning a dog has undeniable benefits. According to the reputable mental health publication HelpGuide, playing with a dog can elevate the levels of serotonin and dopamine.[1] In other words, dogs help you relieve stress. However, one truth remains: having a dog can be stressful, too! This is especially true when it comes to the cost of owning a dog. Taking care of younger pets, in particular, is not only physically taxing but also financially demanding. If you’re single and taking care of a dog, you’ll be somewhat forced to try your hand at child-rearing even if you don’t have a kid! With that, you need to be emotionally and financially prepared before you take home a pooch. Otherwise, you’ll end up neglecting your pet, which of course is not a great thing to do. Below is a comprehensive guide that will give you all you need to know about the cost of owning a dog, including dog price of each breed, vaccination cost, and vet check-up cost in the Philippines. Table of ContentsPrice List of Dog BreedsShih Tzu Price: ₱5,000 – ₱25,000Siberian Husky Price: ₱15,000 – ₱50,000Chow Chow Price: ₱15,000 – ₱50,000Golden Retriever Price: ₱15,000 – ₱40,000Labrador Retriever Price: ₱15,000 – ₱40,000Bichon Frise Price: ₱6,000 – ₱40,000Beagle Price: ₱15,000 – ₱40,000Pomeranian Price: ₱15,000 – ₱30,000Dachshund Price: ₱2,000 – ₱10,000Chihuahua Price: ₱10,000 – ₱35,000Dog…
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ATM Fees in the Philippines: How Much Will Your Transactions Cost?
- By Moneymax
Every day, millions of Filipinos use an ATM to access their savings and checking accounts. With a debit or ATM card, account holders can withdraw money, check their account balance, and even transfer money to other bank users. All these activities can be done in a few clicks, making electronic banking more convenient to the public. However, it can also be costly when done without knowing the ATM fees in the Philippines. In case you didn’t know it yet, your bank charges different service fees. And some of these bank fees and charges include ATM fees. ATM fees in the Philippines may vary from bank to bank. Charges also differ for every transaction. For example, balance inquiry fees are typically cheaper than bank withdrawal charges because balance inquiries are simpler compared to withdrawals. You may also pay more when you use your ATM to withdraw or check your balance using a different bank’s ATM. To help you learn more about ATM fees in the Philippines and how they can affect you financially, here are a few things to note. Table of ContentsWhat is an ATM?Electronic Banking in the PhilippinesBancNetMegalinkExpressnetAcquirer-Based ATM Fee Charging (ABFC)What are the Conditions Set Under the ABFC?Why Do Banks Need to Adopt the ABCF Model?ATM Fees in the PhilippinesATM Balance Inquiry FeesATM Withdrawal Fees (When Using a Different ATM)Intrabank Transfer Fees (Same Bank)Interbank Transfer Fees (Different Banks)Below Maintaining Balance ChargesDormancy FeesATM Withdrawal Limit in the PhilippinesHow Do You Save on ATM Fees in the Philippines?1. Plan Your Withdrawals and Balance Inquiries2. Consider a Bank with a Wide…
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Learning Stocks Made Easier: Here’s How to Use Investagrams
- By Moneymax
- January 13, 2022
The pandemic has changed everyone’s view on investment. As COVID-19 impacted every economy in the world, the decline of share prices triggered more Filipinos to express interest in the stock market.[1] Stock market trading is no longer an avenue of investment for the affluent alone, but also for young, lower-income Filipinos[2] who want to learn how to invest and become part of numerous trading platforms in the country. With about 78.5 million Filipinos using social media as of 2021,[3] it’s clear how a huge part of the population is keen to use their online social networks for various profitable purposes. Investagrams is one of these popular platforms where people can share their knowledge on investment and the stock market. What is Investagrams and how can you use it to strengthen your investment power? Read on to learn how to use Investagrams and start enhancing your investment advantage. Table of ContentsWhat is Investagrams and How Does It Work?How to Create an Account in InvestagramsStep 1: Sign UpStep 2: Tell Something About YourselfStep 3: Verify your Email AddressHow Do You Use Investagrams?Trade VirtuallyWhat are the Features of Investagrams?ChartsGroupsScreenersInvestaPrimeInvestaProInvestaLearnFAQS on How to Use Investagrams1. Is Investagrams a trading platform? 2. How do I use my InvestaWallet?3. What happens if I cancel my subscriptions?Final Thoughts What is Investagrams and How Does It Work? Investagrams is an online community where people who share the same interest in the stock market and investment collaborate. At a glance, Investagrams is like any other social networking site. But on Investagrams, you and your connections can share ideas on choosing…
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A Silver Lining Called Cloud Kitchen for Food Business Owners
- By Moneymax
- January 12, 2022
Because of the COVID-19 pandemic, many restaurant owners struggled to keep their operations running. Lockdown implementations hit the vulnerabilities of brick-and-mortar restaurants, forcing them to shut down longer than expected. This inability to support day-to-day operations gave birth to cloud kitchens or services that offer kitchen spaces to food and beverage (F&B) business owners. If you’re planning to set up a cloud kitchen to support small businesses in your locality, or if you’re a small business owner planning to join a cloud kitchen, you can learn more about it in this article. Table of ContentsWhat is a Cloud Kitchen?Cloud Kitchen vs Ghost Kitchen: Is There a Difference?How Does a Cloud Kitchen Work?Cloud Kitchen Examples in the Philippines and AsiaWhat is GrabKitchen?How to Set Up Your Own Cloud Kitchen1. Identify Your Customers 2. Choose a Concept 3. Find a Good Location 4. Invest in Equipment 5. Establish Good Working Relationships 6. Set Up an App or Website to Take Orders Final Thoughts What is a Cloud Kitchen? A cloud kitchen is a commercial facility for F&B business owners who can rent kitchen space to prepare delivery-only food items. It goes by several names, such as ghost kitchen, shared kitchen, and virtual kitchens. Cloud kitchens are restaurants that only have kitchens.[1] They provide the space conducive for cooking, baking, or preparing meals. The cloud kitchen concept is perfect for food business owners who don’t have sufficient funds to pay for their own brick-and-mortar restaurant. Nevertheless, owners can still have their own brand identity, apps, websites, and the like. But customers will need to book a delivery service to…
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Don’t Think Twice About Getting Mortgage Redemption Insurance― Here’s Why
- By Moneymax
- January 11, 2022
Owning a home is one of many Filipinos greatest dreams. It’s a worthwhile investment not only for you but also for your family. However, not everyone can buy a home in full. As a result, many take on housing loans to purchase their dream home. It’s the most recommended, if not the best, financing option for buying a new house or renovating a property. But what happens to a housing loan if the borrower dies and the mortgage is still unpaid? This is where Mortgage Redemption Insurance (MRI) comes in. Having this kind of insurance ensures that your outstanding mortgage debt is paid in the unfortunate event of death or total disability. Learn more about Mortgage Redemption Insurance in housing loans below. Table of ContentsWhat is Mortgage Redemption Insurance?What is MRI in Housing Loans?MRI Versus Other Life Insurance ProductsMRI Versus Other Home Insurance ProductsHow Much is MRI in the Philippines?How Do I Apply for MRI?Where to Get Mortgage Redemption Insurance1. BenLife 2. PAG-IBIG FundOther MRI Providers in the PhilippinesFinal Thoughts What is Mortgage Redemption Insurance? Mortgage Redemption Insurance is a life insurance policy that helps repay your mortgage balance in the event of your death before the housing loan’s full repayment. MRI will protect your home from foreclosure, as it will take out your outstanding debt if you die. Just like any other insurance policy, MRI covers a set amount and duration. It dictates how much of your mortgage can be covered and for how long. The higher your premium is, the better your coverage will be. However, keep in mind…
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What is Coins.ph? Here’s a Quick Guide to Using the Mobile Payment Platform
- By Moneymax
- January 7, 2022
For tech-savvy Filipinos who use their smartphones to make financial transactions, Coins.ph is one of the popular mobile payment apps nowadays. What is Coins.ph, and how can you make it work to your advantage? Also called Coins, the fintech company is Southeast Asia’s leading mobile payments app and digital wallet powered by blockchain technology.[1] It’s licensed by the Bangko Sentral ng Pilipinas (BSP) to provide a variety of financial services that people can access from their phones without the need for a bank account. Moreover, Coins is the first blockchain-based company in Asia to hold both Virtual Currency and Electronic Money Issuer licenses from the BSP. Whether you have just downloaded the Coins.ph app or are still thinking about using it, you need to familiarize yourself with the platform and understand how it works before you can fully reap its benefits. Table of ContentsWhat is Coins.ph?How to Register for Coins.ph AccountRegistration Steps via Mobile AppRegistration Steps via WebsiteHow to Verify Your Coins.ph Account1. Provide Your General Information2. Provide Your Employment Status3. Choose Your Work Industry4. Submit a Valid ID5. Upload Your ID6. Submit Your SelfieHow to Cash In to Your Coins.ph WalletWhat is Coins.ph Wallet?Where to Load Coins.ph WalletHow to Load Coins.ph WalletCash In Fees and ChargesHow to Cash Out Through Coins.phWhere to Cash Out From Coins.ph WalletSteps to Cash Out Money from Coins.ph WalletCash-Out Fees and ChargesHow to Pay Bills with Coins.phBills Payment StepsHow to Receive Payments via Coins.phSteps to Send Payment RequestHow to Reload Beep Card with Coins.phBeep Card Reloading StepsHow to Pay for Purchases with Coins.phSteps to Scan and Pay…
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Start Your 2022 Right with These Financial New Year’s Resolution Ideas
- By Adji Hendrawan
- January 6, 2022
Another challenging year came to pass. Naturally, all of us want a fresh start to attract good vibes this 2022. Last year will definitely be remembered as a year that pushed everyone’s finances to the limit. But hey―with the new year comes another opportunity to look at our financial wins and losses and make that much-needed New Year’s resolution list. What’s a new year’s resolution, really? It’s simply a promise or commitment that you make to yourself to quit bad habits or start doing something differently to make a better version of yourself or to improve your life. For most of us, it’s harder than it sounds. But check out these New Year’s resolution ideas below to help you come up with your own 2022 resolutions. Or you can just pick the best financial new year’s resolutions from this list to help turn your financial situation around and achieve your money goals. Table of ContentsThe Best Financial New Year’s Resolution Ideas This 20221. Set Realistic Financial Goals2. Stick to a Budget3. Save Every Payday4. Learn More About Money5. Set Up a Financial Safety Buffer6. Pay Off Your Debts7. Fix a Bad Credit Score8. Have More Frequent No-Spend Days9. Delete Shopping Apps 10. Pay in Cash11. Use Your Points to Get Discounts or Freebies12. Sell Unused or Unwanted Items13. Reflect on Your Financial MistakesFinal Thoughts The Best Financial New Year’s Resolution Ideas This 2022 If you always make the most common New Year’s resolutions, it would be so easy to lose interest and completely forget about them just a few days into…
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Pag-IBIG MP2 Guide: How to Enroll and Invest in MP2 Savings Program
- By Adji Hendrawan
- January 5, 2022
Despite uncertainties caused by the COVID-19 crisis, total member savings from Pag-IBIG MP2 reached nearly ₱25.95 billion in 2021.[1] This marked a 95% growth from the ₱13.23 billion collected in 2020. This pandemic is certainly reshaping Filipinos’ saving behavior,[2] so it’s best to consider all possible options to grow your hard-earned money. Let’s walk you through everything you need to know about the MP2 Savings Program to understand why it’s an investment worth considering and how to get started. Table of ContentsWhat is Pag-IBIG MP2?MP2 Savings Key FeaturesWhat are the Advantages of the MP2 Program?1. High Annual Interest Rate and Low Required ADB 2. Option to Withdraw Dividends Each Year or Compound for Five Years 3. You Can Withdraw Your Money Anytime4. Government-Guaranteed5. Easy Account Opening Online 6. Multiple MP2 Savings AccountsWhat are the Risks of the MP2 Program?1. Your Account Matures in Five Years2. You Won’t Earn Dividends After the Five-Year Lock-In Period Who Can Enroll in the MP2 Program?How to Apply for Pag-IBIG MP2MP2 Online Enrollment ProcedureMP2 Manual Enrollment ProcedureHow to Invest in the MP2 ProgramModes of PaymentWhere to Pay Your MP2 ContributionsHow Can I Check My MP2 Online?MP2 Savings Program FAQs1. How much is the Pag-IBIG MP2 contribution?2. Where are contributions invested?3. How much dividends will I earn from my MP2 savings?4. What is the interest rate of MP2 in Pag-IBIG for 2021?5. How will I receive my MP2 dividends?6. Can I withdraw my MP2 savings before its maturity?7. Can I enroll a new MP2 savings account after maturity?8. What will happen if I don’t claim my dividends?9. What happens if I…
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Upfront and Hidden Home Ownership Costs You Need to Prepare For
- By Moneymax
With banks offering competitive mortgage rates and developers extending attractive payment terms, property advisors believe that now’s a good time to buy residential properties.[1] The opportunity to invest in real estate is clear, but are you ready to join the bandwagon and cover the cost of home ownership in the Philippines? What are the one-time costs and ongoing costs of being a homeowner? From property taxes and plumbing to electrical systems, let’s break down the costs that go with home ownership. Table of ContentsWhat’s the Cost of Home Ownership?Upfront Costs of Home OwnershipHidden Costs of Home OwnershipFinal Thoughts What’s the Cost of Home Ownership? If you’ve decided to buy a house so you can have your own place, then the next step is to prepare the funds for the upfront fees, as well as the hidden costs of owning a home. Upfront Costs of Home Ownership Purchasing a new home is very exciting and a big deal. But it’s not cheap, so you also need to prepare your finances to pay for the following upfront costs: 1. Reservation Fee To secure the unit and have it reserved under your name, you need to pay a reservation fee. In the case of rented residences, tenants need to pay up to two months’ rental cost. However, if you’re buying a property, the reservation fee can cost anywhere from PHP 1,000 for Pag-IBIG foreclosed properties to as much as PHP 25,000 for condo units and single detached houses. Read more: Should You Buy or Build a House? Important Things to Consider Should You…
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Coins Pro Trading: What You Should Know Before Buying Cryptocurrencies
- By Adji Hendrawan
- January 4, 2022
The pandemic has driven Filipinos to start adopting cryptocurrencies as a form of investment.[1] Studies further revealed that this crypto adoption was enhanced by the integration of crypto in rural banking, ATM networks, BTC, and gaming rewards. While Filipinos started embracing digital currencies, exchange platforms like Coins Pro trading also began penetrating the market, allowing more and more investors to participate. Coins Pro Trading helped trigger the leap towards the wide acceptance of cryptocurrencies by making digital finance services more accessible. Now, if you’re considering your chances within the crypto space, then it’s time to learn how to use Coins Pro Trading and understand the pros and cons of using currency exchange platforms like it. Read on as we walk you through the things you need to know about Coins Pro and how you can leverage its benefits to advance your investment goals. Table of ContentsWhat is Coins Pro?Coins Pro Philippines FeaturesCoins.ph vs Coins Pro: What’s the Difference?Advantages of Coins.ph Over Coins ProAdvantages of Coins Pro Over Coins.phHow Much is the Coins Pro Trading Fee?Coins Pro Fees for Monthly Trading VolumesPros and Cons of Investing in Coins Pro TradingPros of Investing in Coins Pro TradingCons of Investing in Coins Pro TradingHow to Register for a Coins Pro AccountHow to Fund Your Coins Pro AccountHow to Cash In via Coins.ph AppHow to Cash In via Coins.ph WebsiteHow to Cash In via UnionBankHow to Withdraw From Your Coins Pro AccountHow to Cash Out via Coins.ph WalletHow to Cash Out via Bank TransferHow to Trade Cryptocurrencies in the Philippines Using Coins ProHow to…
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Starting a Business This 2022? Here are 9 Business Ideas with 50K Capital in the Philippines
- By Moneymax
The pandemic has undoubtedly affected the Philippine economy, resulting in 4.25 million jobless Filipinos in September 2021,[1] the highest since the start of the coronavirus outbreak. This could very well be the reason many started looking for business ideas with 50K capital in the Philippines. In fact, around 88,000 new online businesses were registered with the Department of Trade and Industry (DTI) in 2020 alone,[2] with 750,000 more expected registered new online businesses by the end of 2021. Almost always, Filipinos find the silver lining, no matter how dire the situation is. When one door closes, a window of opportunity will open sooner or later. And this time, you can be your own boss and work within the comforts of your home. Table of ContentsTop 9 Business Ideas with 50K Capital in the Philippines1. Online Tutorial Services2. Blogging/Writing3. Accessory Business4. Online Retail Store5. Food Cart Franchise6. Make-up Services7. Photography Business8. Delivery or Pasabuy Business9. Selling Refilled Water Gallons from HomeHow to Future-Proof Your BusinessFinal Thoughts Top 9 Business Ideas with 50K Capital in the Philippines There’s a new paradigm shift as more people are working freelance and starting their own home-based businesses. So even if you haven’t lost your job, the pandemic may have already inspired you to look for side hustles through small businesses you can start with PHP 50,000 or less. Know your options so you can decide. We rounded up these businesses ideas with 50K capital in the Philippines. 1. Online Tutorial Services Startup cost: PHP 40,000 Potential monthly income: PHP 10,000 and up A business under…
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Try These Creative Ipon Challenges to Hit Your Financial Goals This 2022
- By Adji Hendrawan
- January 3, 2022
Saving money is as easy as spending it. Said no one ever. This is probably why Filipinos are trying different fun and creative ways to save, or even coming up with their own ipon challenges. When you take on a money-saving challenge, you’ll hit two birds with one stone. First, you achieve your financial goal for the year—be it saving up for a trip abroad, destination wedding, down payment for a home or car purchase, or capital for starting a small business. Second, you develop financial discipline and the habit of saving. Seems like a tall order, huh? But guess what: if everybody else can do it, so can you! Looking to challenge yourself to consistently save a certain amount this year? Take a look at these ipon challenges and pick the one that suits you best. Table of ContentsWhat is a Saving Challenge?7 Ipon Challenges to Start in 202252-Week Money ChallengeTwice-a-Month Money Challenge12-Month Saving Challenge365-Day Money Challenge50-Peso Ipon ChallengeLoose Change Saving ChallengeFinal Thoughts What is a Saving Challenge? An ipon challenge is a strategy that involves sticking to a money-saving activity for the entire year. Unlike the typical act of saving money, ipon challenges are done regularly, deliberately, and strategically, helping you stay on track with your savings target and meet your money goal. 7 Ipon Challenges to Start in 2022 52-Week Money Challenge How much you can save in a year: PHP 1,378 to PHP 137,800 What is 52-Week Ipon Challenge? The 52-week money challenge involves saving in increments weekly, starting from the first week of the year up…
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Best Health Cards for Senior Citizens in the Philippines
- By Adji Hendrawan
- December 28, 2021
Isn’t it ironic that most health insurance companies end their coverage when you reach the age of 65? But at 65, you start to feel different aches and pains in your body. You’re also not earning as much as you used to. This is why when you’re a senior citizen, you need health coverage more than ever. But that’s the sad reality for many elderly Filipinos. They end up paying for checkups, hospital confinements, and surgeries with their own money. It may be hard to find a health card for senior citizen in the Philippines that provides health insurance coverage and medical benefits. But thankfully, there are still great options available. As senior citizens become more prone to illnesses and injuries, health cards should also offer better medical benefits. If you’re looking for an HMO for senior citizens, we have rounded up a few in this article. Table of ContentsWhat is an HMO Health Card? What is the Difference Between a Health Card and a Health Insurance? What are the Benefits of Health Cards for Senior Citizens? Requirements for Health Card for Senior Citizen in the PhilippinesHMO Health Cards for Senior Citizens 1. Maxicare Prima Gold2. MediCard RxER3. PhilCare Vida Care CORE4. PhilCare unli-CONSULT for 65+ 5. PhilCare Vida Care PREMIER6. InLife MedConsult SeniorsOther Health Packages Available for Senior Citizens 1. Sun Senior Care (Sun Life Philippines)2. Prime Care Cash Plan (Paramount Direct)3. Premium HealthCare Plus Plan (Paramount Direct)4. Pacific Cross Premier5. Kaiser Senior Care6. PhilHealthWhat to Look for in a Health Card for Senior Citizen in the PhilippinesCostAge RequirementBenefitsAccredited Clinics and HospitalsFinal Thoughts What…
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JRS Express in the Philippines: Guide to JRS Delivery Services, Rates, and More
- By Adji Hendrawan
- December 22, 2021
Before GrabExpress and Lalamove became mainstream, there’s JRS Express providing express delivery services in the Philippines since 1960. Despite the emergence of the more technologically advanced app-based couriers, the country’s leading logistics company is still going strong. Sending packages to your loved ones or customers through JRS? Here’s what you should know about how to use JRS Express delivery services, as well as the shipping rates, tracking feature, and other important information. Table of ContentsWhat is JRS Express?How JRS Express WorksJRS Express Delivery Services in the PhilippinesJRS Express Pouches for Next-Day DeliveryJRS Express Envelopes for Ordinary DeliveryJRS Express BoxesJRS Express Lipat BahayJRS Express Freight ForwarderJRS Express BranchesJRS Express Rates 2021How to Calculate JRS Express Domestic and International Rates JRS Express Lipat Bahay and Freight Forwarder RatesJRS Express ReviewHow to Use JRS Express for Door-to-Door DeliveryHow to Drop Off Items at JRS Express BranchHow to Book JRS Express Pickup ServiceHow Do I Track My Package from JRS?FAQs on JRS Express Delivery Services1. Are JRS and J&T the same?2. Which is cheaper: JRS or LBC?3. Where does JRS Express deliver?4. How long is the JRS Express delivery time?5. Does JRS Express deliver on Sundays?6. Can I send cellphone or laptop through JRS Express?7. What are JRS Express prohibited items?Final Thoughts What is JRS Express? JRS Express[1] is one of the largest and oldest express door-to-door delivery companies in the Philippines. This 100% Filipino-owned company is one of the most recognizable brands in the delivery services industry, having been in the courier business for over 60 years now with 460+ branches nationwide. How JRS…
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Christmas Shopping Tips: 10 Ways to Beat Impulse Buying These Holidays
- By Adji Hendrawan
- December 20, 2021
Got too many items on your holiday shopping list? Or rather, have you had a lot of unplanned purchases already? There are more temptations to overspend during the holidays than any time of the year, turning even the stingiest person into a shopaholic. The urge to splurge on Christmas shopping is so strong, it’s hard to resist. It isn’t easy to control impulse buying, especially during the holiday season, but you certainly can! We’ve compiled a list of Christmas shopping tips for keeping your holiday spending in check. Table of Contents10 Christmas Shopping Tips to Curb the Urge to Splurge1. Fulfill Your Important Financial Obligations First2. Set a Realistic Christmas Shopping Budget3. Make a Holiday Gift Shopping List4. Use a Prepaid Card5. Understand What Triggers Your Impulse Buying and Act on It6. Know the Warning Signs of Impulse Buying7. Determine Your Wants vs Needs8. Focus on the Amount You’re Spending, Not the Discount9. Ask for Somebody Else’s Opinion10. Delay Your Purchase DecisionFinal Thoughts 10 Christmas Shopping Tips to Curb the Urge to Splurge Here are 10 practical Christmas tips to help you beat the urge to splurge when shopping. 1. Fulfill Your Important Financial Obligations First What’s the first thing that comes to your mind as soon as you receive your 13th month pay or bonus? “I should upgrade my phone.” “I can finally buy that imported bag!” “I deserve a new pair of shoes.” We often think of ways to spend each time we get a large sum of money. But soon, reality slaps us hard in the face:…
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[Battle of the Brands] AirPods Pro vs Sony WF-1000XM4: Your Side-by-Side Comparison Guide
- By Moneymax
- December 17, 2021
The explosion of the wireless earbuds market over the last few years has rendered wired earphones and similar peripherals outdated these days. Leading tech brands and audio companies have been producing a wide range of wireless earbuds to address market demand and satisfy different budget sizes. You also can’t deny that Apple is one of the bestsellers in this category. But it’s worth noting that other players offer equally advanced and promising wireless earphones. If you’re looking to transition from wired audio to wireless acoustics, check out this edition of Battle of the Brands where we’re pitting the Apple AirPods Pro against the Sony WF-1000XM4. Apple may have topnotch and lauded audio peripherals. But Sony will prove to be a tough competitor since it has already cemented its reputation as an audiophile’s brand. Sony knows its sound craft, and a lot of its audio products (including the pair that we’ll review) are even part of different “best of” lists. So, let’s find out which noise canceling earbuds are the best for you. Table of ContentsAirPods Pro vs Sony WF-1000XM4: AffordabilityAirPods Pro vs Sony WF-1000XM4: DesignAirPods Pro vs Sony WF-1000XM4: Flexibility and Ease of Use AirPods Pro vs Sony WF-1000XM4: Sound QualityAirPods Pro vs Sony WF-1000XM4: Noise Cancellation and Ambient Noise ControlAirPods Pro vs Sony WF-1000XM4: Battery Life and Charging TimeAirPods Pro vs Sony WF-1000XM4: Smartphone-Earbud IntegrationBattle of the Brands: AirPods Pro vs Sony WF-1000XM4 TallyAirPods Pro: Best for Everyday UseSony WF-1000XM4: Best for AudiophilesGet Free Apple AirPods from MoneymaxFinal Thoughts AirPods Pro vs Sony WF-1000XM4: Affordability The AirPods Pro and Sony…
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Enjoy Instant or Same-Day Deliveries: Your GrabExpress Delivery Guide
- By Moneymax
Grab is Southeast Asia’s largest mobile technology company that connects its users to drivers, merchants, and businesses. It also has a proven track record in delivering customer satisfaction, may it be through its ride-booking or delivery services. If you haven’t tried Grab’s parcel and courier delivery service yet, we’ve gone ahead and created a GrabExpress delivery guide for you. Table of ContentsWhat is GrabExpress?What Can You Do with GrabExpress?What Vehicles are Available for GrabExpress?Other GrabExpress Features You Must Know AboutHow to Use GrabExpress DeliveryGrabExpress Scheduled PickupHow to Use GrabExpress Scheduled PickupGrabExpress Delivery Guide to Tracking Your ParcelsGrabExpress Delivery Tracking for SendersGrabExpress Delivery Tracking for RecipientsHow to Track Previous or Ongoing GrabExpress Deliveries:GrabExpress Delivery Guide: Rates for 2021GrabExpress Rider ApplicationGrabExpress Rider Qualifications: GrabExpress Rider Application RequirementsGrabExpress Contact DetailsFinal Thoughts What is GrabExpress? GrabExpress is Grab’s parcel and courier delivery service platform that allows you to manage your deliveries. If you need something delivered urgently, GrabExpress can deliver your parcels instantly or within the day. You can even pick your vehicle type to match the weight of your goods. Do note that this service is only available in Metro Manila and Cebu. What Can You Do with GrabExpress? There are two types of delivery options for GrabExpress: Instant Delivery and 4-Hour Delivery. Instant Delivery lets you send your parcels to anyone as soon as the booking is made. Meanwhile, GrabExpress 4-Hour Delivery allows you to send items within the day. GrabExpress Instant Delivery is a great option for people who are on-the-go and need to send parcels as soon as possible. With…
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Before You Head to the Grocery, Read These Noche Buena Tips to Stretch Your Holiday Budget
- By Adji Hendrawan
- December 16, 2021
In this time of seemingly unstoppable price increases in the Philippines, can your family still enjoy a special Noche Buena meal this year? Even on a tight budget, yes, you can prepare a quality holiday feast for your loved ones. You just have to be wais and madiskarte. Table of ContentsAffordable Noche Buena Tips and Ideas1. Plan Your Noche Buena Budget, Menu, and Shopping List2. Compare Prices in Different Places3. Avoid Last-Minute Noche Buena Shopping4. Choose Less Popular Brands5. Buy Homemade Noche Buena Products6. Buy Smaller Portions of a Whole Product7. Go for Affordable Alternatives to Traditional Noche Buena RecipesMore Noche Buena Tips When Shopping1. Bring Your Own Reusable Bags 2. Hail a Jeepney or Tricycle 3. Buy Pre-Packed Noche Buena Products 4. Don’t Bring Your Credit Cards With You 5. Be Realistic About Your Budget 6. Encourage Your Relatives to Do a Potluck Final Thoughts Affordable Noche Buena Tips and Ideas If you’re looking for ideas to stretch your holiday shopping budget, here are some Noche Buena tips to help you make the most of your money. 1. Plan Your Noche Buena Budget, Menu, and Shopping List Still not sure what to prepare for the holidays? Before your trip to the supermarket, plan these three things in the following order: your budget, menu, and shopping list for Noche Buena. Determine Your Budget It can get very exciting to shop during the holidays. But even when you’ve already received your annual bonuses, this shouldn’t give you the ticket to overspend. So to avoid overspending, make sure that you know exactly how much you’re willing to shell…
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Personal Accident Insurance in the Philippines: What is it and Where to Get it?
- By Jay Pagkatotohan
- December 14, 2021
Accidents, big or small, can happen anytime. And sometimes, they happen when you’re at your most financially vulnerable. The costs related to treatment and recovery not only take a toll on your wallet but also on your family’s savings. Sure, emergency funds can tide you over. But when you’re confined at the hospital or recuperating at home, you’ll realize that money burns fast. So from the get-go, you must have a personal accident insurance policy. It’s another layer of financial protection that will keep your family from becoming penniless in case something unexpected happens to you. We’ve put together a comprehensive guide that will help you understand the importance of getting a personal accident insurance policy. Table of ContentsWhat is Personal Accident Insurance?How is Personal Accident Insurance Different from Life Insurance and Health Insurance?Is Personal Accident Insurance Necessary?What are the Types of Personal Accident Insurance Policy?1. Individual Personal Accident Insurance2. Group Personal Accident InsuranceHow Much Does Personal Accident Insurance Cost in the Philippines?Where to Get Personal Accident Insurance in the Philippines1. AXA Philippines2. Pru Life Philippines3. Sun Life Philippines4. BPI AIA5. Malayan Insurance6. MAPFRE7. Prudential GuaranteeSome Tips for Getting a Personal Accident Insurance Policy1. Know Your Risks2. Assess Your Financial Standing3. Ask Your Agent the Important Questions4. Compare Rates Final Thoughts What is Personal Accident Insurance? Personal accident insurance provides you and your family cash in case you get injured or die due to an accident that’s covered by your policy. Depending on your coverage, a personal accident insurance may cover the following incidents: Accidental death and dismemberment Permanent disablement or…
