Ten Ways Technology Helps You at Having a Healthy Lifestyle

Advances in communication technology have made it more difficult to leave your work in the office. After all, your boss can reach you at any time on your smart phone! Fortunately, technology also provides ways to help improve your work/life balance.

1. It allows you to spend more time at home.

Technology allows you to telecommute and work from home, which means that you can save time on commuting that you can spend with your loved ones. You also don’t need to wake up as early, which provides you with a little more sleeping time.

2 . It allows mothers to earn income while staying at home with their children.

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Image source: http://wahm.co.nz/

Technology provides stay-at-home mothers with a wide range of income opportunities, such as selling products through social media or working on a freelance basis for their former employers. Thus, mothers can balance income-generating activities with their parenting duties.

3. It provides more opportunities for workplace development. 

Instead of spending time at the office training to learn new skills, you can study training modules on your tablet or listen to audio lessons. This not only allows you to learn at your own pace without the pressure to keep up with faster learners that you may experience during workshops with limited time frames, but also provides you with more personal time that you can spend with your family or doing leisure activities.

4. It allows you to be more flexible with your schedule.

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Image source: http://tkographix.com

Instead of being forced to work long hours at the office, you can take some work home with you. Of course, you also have to know how to unplug in order to maximize your personal time.

5. It helps you to stay fit.

Instead of having to go to the gym, there are apps that you can download on your smartphone that provide you with fitness programs that are easy to do and take only a short time to complete.

6. It makes it easier to stay connected with your loved ones.

While face-to-face interaction is still ideal, when this is not possible, texting and other forms of digital communication allow you to keep in touch even when you’re not physically together.

7. It allows you to learn while you’re commuting.

A commuter listens to Beats brand headphones while riding the subway in New York, May 29, 2014.

Image source: http://time.com

The US Census estimates that Americans spend an average of fifty minutes a day traveling to and from work. You can make good use of this time by listening to audio lessons that can help you upgrade your skills.

8. It helps make you more efficient.

If you have a million things to keep track of, apps and other productivity tools on your computer can remind you of deadlines as well as organizing your schedule so you can use your time more effectively.

9. It helps you avoid unnecessary meetings.

A lot of time during the workday may be wasted in face-to-face meetings with team members; you can avoid this by using collaborative tools that allow you to keep in touch with individual members so that you can stay on top of your projects without having to talk personally with them.

10. It helps you save time on chores.

Instead of going to the supermarket or grocery for routine trips, you can order what you need online and have it delivered straight to your home.

 

A lot of people believe that technology forces workers to struggle with maintaining their work-life balance. But technology can also provide workers with the flexibility to adjust their schedules without work having to intrude into their personal lives. It really depends on how you use technology and how you can ‘unplug’ yourself when you’re not working.

Seven Tips for Regaining Financial Control

These days, it is so easy to overspend, since credit cards are so readily available, and the convenience of online shopping encourages impulse buying. Thus, more and more people are living beyond their means and getting deeper into debt. Fortunately, with a little discipline, there are ways that you can get your finances under control.

1. Track your expenses.

In order for you to better understand where your money is going so you can control your spending, you should track your expenses. For at least the next week, or ideally a month, write down everything you’re spending. This inventory should include fixed expenses such as mortgage payments and rent, variable expenses such as food, entertainment and gas, and miscellaneous expenses like birthday gifts and car maintenance.

2. Create a budget.

Budgeting allows you to better control your spending by determining in advance how you will allocate your expenses. Depending on your requirements, you can make a detailed budget that covers all your expenses or a simpler one that includes only those problematic expense categories that you want to control.

3. Allocate your income using the envelope system.

This is a super-simple way to keep your spending under control. All you have to do is get a number of envelopes that you will label with a particular expense category, i.e. food, entertainment, and so on. When you get paid, draw all your money for the particular pay period from the ATM. Then put the amount that you intend to spend on a particular expense in the proper envelope. Once the money in the envelope is depleted, you can no longer spend on that particular expense until you can replenish it in the following pay period.

4. Create a debt payment plan. 

create a debt payment plan

Image source: http://appcrawlr.com

If you have balances on a number of credit cards, you should make a plan to pay them off. There are two ways you can do this: pay off the card with the highest interest rate first, then the one with the second highest and so on, or pay off the card with the lowest balance first, then the second lowest and so on, until you have paid off all your balances. When you eliminate a balance, use the money you would have spent for it towards paying off the other cards.

5. Look for ways you can reduce unnecessary expenses.

For example, instead of buying premium coffee at a coffee shop, brew your own coffee at home and take it with you in a travel mug. Brown bag your lunch instead of buying it from outside. Reduce the number of times you eat out in a month. Cancel subscriptions to products and services, such as magazines, that you are not really using.

6. Treat your savings as a bill. 

To ensure that you are prioritizing savings, you should treat it as if it were a fixed expense, like your rent or your mortgage payments. When you’re paying off these expenses, also make sure to deposit the amount of money you’re allocating for savings into your bank account.

7. Establish a spending limit.

One of the simplest ways you can control your spending is to set a maximum amount that you will spend for the month or the fortnight, and then only transfer that amount into your checking account from your savings account. This makes it easier for you to control spending since you’ll know exactly how much is available to you.

 

Finally, make sure that you stick with whatever method you choose. Of course, controlling your finances will not be easy, but with time, effort and patience, you can do it!

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Marketing Meeting With Direct Partners In The UAE

United Arab Emirates – In the effort of fortifying existing partnerships and expand its international reach in the region, Cebuana Lhuillier Marketing Division Manager Raymond Hernandez travelled to the UAE last March and met with the following direct remittance partners of Cebuana Lhuillier in Dubai  SMART Exchange, XpressMoney, Ersal, and RAKBANK. The discussions during the meet and greet focused on the planned Marketing activities within the GCC region.

 

Jinu Rajan - Ersal Reymalin Bustillo, Sarafraj Katrhi - Smart Exchange Adnand Kadakol - RAKBANK Ajay Paul, Abhishek Gosh, Resa Lagdamin, Anjaneyulu Kodhana, Vivek Menon - XpressMoney

Indicators That You’re Happy with Life at Work

Having a job is great. But, are you actually happy with your job?

Here’s the thing: when you’re happy with your work, it becomes easy for you to do your best, have some confidence, and feel that you’re in a good place in life. How do you know that you’re happy at work? Here are 10 indicators:

1. You feel appreciated.

More than anything, you’ll enjoy work when you know you are being appreciated. The best bosses are those who know how to thank their employees; those who don’t make them feel as if they’re just mere pawns, but are actually vital parts of the company.

2. You find it easy to communicate.

Another sign that you’re happy at work is that you can easily talk to your colleagues and bosses without feeling like you’re going to be judged, or that you may not be asking the right questions. When lines of communication are severed, it means that you’re in an unhealthy work environment—which also means that you’re probably not as happy as you should be.

3. You are not worrying about gossip.

There will always be tattletales around, but that does not mean you have to worry about them. If you’re happy where you are, and are content at work, chances are you won’t actually be worrying about office intrigues—because you feel secure.

4. You don’t find it hard to wake up.

Snooze button? What snooze button? When you’re happy at work, you wouldn’t mind waking up early—no matter how late you went to bed the previous night. This is because you’re itching to go to work again—and you are happy with what you’re doing, no matter how challenging it may be.

5. You feel like you’re learning something new each day.

A life that’s being well-lived is a life where you actually learn something new each day. When you feel like life is the same day in and day out, and that work is making it all the more monotonous, you’re probably just trying to survive—and not really live life.

6. You love your body.

There are cases where gaining, or sometimes, losing weight, is caused by a boring, and demanding job. When you’re happy with your work, you’d be eating on time, and food would not be a crutch for you.

7. You laugh a lot!

Yes, some people may say that laughter is not a gauge to happiness. But, chances are, if you’re happy with your work, you’d actually be laughing a lot—and the happiness will show on your face. It would be genuine, and not put-on.

8. You aren’t extremely sensitive.

People who are unhappy with work are usually hypersensitive. They don’t take criticism easily, and they often feel like they’re not good enough. When you’re happy with work, you see criticism as just that—criticism—and nothing more. You don’t dwell on it, and instead, use it as a way to grow.

9. You don’t feel like the company’s too big.

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No matter how big the company is, when you feel like you and everyone else are actually part of the same family, it means that you’ll be happy because you can relate to each other—and that you have a good support system with you.

10. You actually have time for other things.

Image source: http://www.inc.com

And of course, you know that work makes you happy when you have time for other things that you like—be it cooking, sports, your favorite shows, or movies, eating out, and of course, a social life!

 

If you can relate to these statements, it means you have a pretty good life at work. If not, well, maybe it’s high time to find a new job—so you can finally be happy the way you should be!

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Nine Stress-Free Budgeting Tips for New Parents

Having a baby can be one of the most joyous events of your life. Unfortunately, it can also be one of the most expensive, since all the costs of raising a baby can really add up. However, there are many things that you can do to save on expenses and make paying for your baby more affordable.

1. Prioritize your spending. Many parents feel that they need to have everything they will need for baby ready by the time he or she gets home. But it would be better for your budget if you prioritized immediate needs and put aside less urgent expenses. For example, instead of buying a crib, the baby can sleep in a bassinet or cradle in your room, and you can postpone your purchase for a few months.

2. Choose gear that you can convert as your child grows. For example, you can buy a crib that can convert into a baby bed or a stroller that changes to accommodate your baby as he grows into a toddler. If you plan on having more children, you can also choose strollers that convert to accommodate two or more babies. You can also buy clothes that are one size larger since your baby will quickly grow into them.

Image source: www.which.co.uk

3. Buy baby products in gender-neutral colors. Instead of buying blue or pink items depending on the gender of your child, choose items that are green or yellow, for example. This will allow the gear to be passed on and used by future children.

Image source: www.fromfaye.com

4. Skip nursing-specific clothes. If you are breast-feeding your child, you don’t need to buy clothes that are specifically designed for nursing mothers. Instead, blouses that button in front and tank tops will do. Or you can simply cover up with a scarf when nursing your baby.

5. Buy items in bulk. This is a simple budgeting tip that new parents should adopt. For example, since you will be using a lot of diapers, there is no reason why you should not buy them in bulk quantities. In addition, you’ll be saving time and money since you won’t have to replenish these items as often.

6. Consider making your own baby food. Doing this can also be healthier for your baby. All you have to do is invest in a small food processor and you can be sure that your baby has a regular supply of fresh food made with fruits and vegetables.

Image source: www.popsugar.com

7. Share products with your baby. You don’t need to buy products that are marketed as being for babies, such as detergents and body washes. Many of these items that are made for adults are actually also suitable for infants, as long as you make sure that they are free of ingredients that could irritate your little one as well as being gentle.

Image source: http://abundance.coop

8. Look for online flash sales. Shopping online can help you save money and you can enjoy even bigger savings if you encounter online flash sales. In addition, you can also look for coupons for products that you commonly use that you can redeem online, or print out and take to a physical store.

9. Ask about tax deductions. In addition to the $4,000 deduction you can claim for each dependent child, there may be other tax exemptions that you can qualify for, such as the Child and Dependent Care Credit if you pay someone to take care of your child.

The best way to ensure that the costs of having a baby will not be ruinous to your finances is to prepare in advance. Before you give birth, estimate how much you will spend on baby costs so that you can plan in advance how you will deal with them.

Five Reasons Why You Should Value Work-Life Balance Over Cash Bonuses

An increasing number of workers are starting to recognize that success in their careers should not be measured by how much money they are earning, but how successfully they have achieved a work-life balance. According to the 2013 Defining Success survey conducted by global professional services company Accenture, the majority of respondents said that their top definition of career success is achieving work-life balance, ranking higher than money, autonomy and recognition. In fact, more than half of the respondents actually said that they refused a job simply because they were concerned with the negative impact it might have on their work-life balance.

Here are some reasons why achieving this balance is more important than a big paycheck.

 

 

1. Money does not buy happiness. Many people make a lot of sacrifices for a job that offers them a high salary. But is the sacrifice they are making worth the cost to their relationships and their personal life? In fact, as long as their basic needs are met and they feel part of a supportive community, many relatively poor people are actually happier than their more moneyed counterparts.

2. You live a healthier life. People in high-paying jobs usually have to work longer hours or have more responsibilities. This means that they have to spend more time at the office or doing work, at the expense of their personal life. Thus, while they are earning more, they are usually less fulfilled. There is also a big risk that they will burn out and end up not being as effective as they need to be in their work, which can affect their prospects for a promotion or for increased responsibilities.

3. You learn to appreciate what you have. People often dream of having a high-paying job because they think of all the things they can buy for their family if they have more money. But what would be the point of giving your loved ones all these possessions if you don’t have the time to spend with them? In fact, many children who grew up with parents who worked all the time at high paying jobs would later say that they would have preferred to have more time with them than to have a lot of expensive toys, clothes and other possessions.

4. It makes you work better. When you’re spending nearly all of your time at the office, with very little left for your personal life, there is a big risk that you will not have anything new you can bring to your work. If you have more time to pursue personal interests and learn new things, you can become more creative and bring a fresh perspective to your work. But if you are stuck in a rut, it is highly unlikely that you will come up with the new ideas that can keep you competitive in the workplace.

5. You will regret sacrificing your personal life for your work. At the end of your working life, when you’re finally forced to retire, you will not say to yourself, I wish I had spent more time at the office. Rather, you will regret that your personal ties with your friends and family are not as strong as they could be, because you were not able to spend time with them. Do you want to suffer from this regret?

While in today’s society it is important to have a good salary to meet all of our and our family’s needs, ultimately, money is not everything. To live a good life, it is essential to find that balance where we are fulfilled in our career and our personal lives.

10 Ways Millenials Can Achieve Work-Life Balance Using Today’s Technology

These days, it’s so easy to get stressed, especially for millenials who have so much to keep up with – both in terms of work and social life. It’s so easy to be overwhelmed, but luckily, technology can still work to their benefit.

That said, here are 10 ways that technology can help you achieve work-life balance.

1.Open Communication Lines

smartphones social media

image source: findspicture.com

When you’re so occupied with work, it’s hard to set up get-togethers with friends, or find time to go out with the family. But, through Facebook, Twitter, and Skype, it’s easy to ask your family and friends how they’re doing. You can set up group chats, and basically just talk to the people close to you—even while you’re away! Having a good support system creates a good work-life balance—and can keep you grounded at all times.

2.A Chance to Be Yourself

blogging

image source: theodysseyonline.com

So many people get lost in the face of work that they forget to do the things they are passionate about, and to even reflect about their lives. Creating a blog can help you do just that, and more! You can set up a personal blog to talk about how your life is going, or one dedicated to reviewing books, of places where you have been, or dining places you have tried. At least, you’ll always have something to look forward to.

3.Easy Shopping

Today’s busy lifestyle can make you feel so tired that you’d rather sleep than go to the mall. However, with the help of online shopping sites such as Amazon, you can easily buy what you want or need with just a click of a button.

4.Playing Games

playing games

image source: www.talkandroid.com

Color Switch, Candy Crush, Blossom Blast, Clash of Clans…these are just some of the games that millennials love to play these days. Having some games on your phone or tablet can easily lessen the stress you’re feeling—and help you escape your busy life even for just a short while.

5.Entertaining and Informative Articles

informative news

image source: nickbarrios.com

Another amazing thing about the internet is that you have sites like Buzzfeed, Bored Panda, and Listverse that contain easy-to-read articles about anything and everything under the sun. When you’re tired of typing and reading for work, you can always rely on these websites to take your mind away from your stressful work.

6.Catching Up on Your Hobbies

listening to music

image source: fortune.com

You want to listen to music? – There’s Youtube and Spotify for you. You want to draw? – You can download Sketchbook Express. There are groups that you can join that cater to whatever your hobby may be. The internet is a vast place that has so much to offer.

7.A Semblance of Fandom

using tumblr

image source: thelarom.com

Some millenials feel great when they have people around them—even virtually—who like the same things they like. With the internet, you have Tumblr where you can easily express your love for movies, TV shows, and more by means of gifs, and writing about them. You can even write and read fanfiction—or follow your favorite celebrities, and talk to them via Twitter, too!

8.Catching Up on the News

Having a short attention span is common to millenials, but that does not mean they can no longer pay attention to whatever’s happening around them. With the help of Twitter, you get a concise collection of news—so you can easily know what’s going on even without clicking links.

9.Streaming Shows

netflix and chill

image source: www.denofgeek.us

When you’re at work the whole day, you might find it hard to catch up on your favorite television shows. But, with the help of streaming sites like Netflix and Hulu, you can just subscribe and watch the shows and movies you want—without any hassle!

10.Productivity Apps

evernote

image source: www.makeuseof.com

Finally, you have productivity apps like Evernote, or Todoist that make it so easy to keep track of what you have to do—and what you want to do! These are interactive calendars and note-taking apps that help you balance your personal life and career.

It’s not easy to be a millennial—but with the help of technology, you can surely have a better, more fulfilling life!

7 Apps for Finance Management Newbies

To be financially stable is everyone’s goal, and the key to achieving financial stability is proper management. The earlier you start, the better. Following are 7 apps that can help you – especially if you are a finance management newbie – achieve financial success:

1.Wallet (Android, iOS, Web)

Wallet

image source: www.macworld.co.uk

Wallet is an expense-tracking app that’s available for both Android and iOS platforms. The app creates records that help you track your expenses, monitor your budget, and check on your financial status. What’s great is that this app can be synchronized with your other devices, and online accounts—really making it easy for you to manage your finances. It even handles your bills and debts—so you won’t forget paying for them!

2.Mint Budgeting (Android, iOS)

Mint Logo

image source: play.google.com

What’s great about the Mint Budgeting app is that you can have it connected to your own bank account and it will automatically help you create a budget that’s suited to your lifestyle. This way, you won’t be making unnecessary purchases, and you won’t fall into a pool of debt. You can also be sure that your account would be encrypted and secure.

3.Spendbook (iOS)

spendbook app

image source: appsygadgets.com

As the name suggests, this app is all about keeping track of your expenses. It’s so easy to navigate so you can easily add new expense items, and keep track of your income just to check if you have been spending beyond your means. You could also add your photo, together with a picture or receipt of the item that you have purchased. You can also label your expenses (i.e., subway ticket, cab fare, onion bagel, etc.) so you’ll have a better idea of where all of your money goes.

4.Pocketguard (Android, iOS, Web)

pocket guard app

image source: www.appannie.com

Pocketguard allows you to see your current account balance, and all your transactions—whether they’re withdrawals, or purchases that you have paid directly through your account. Thus, you have better control of your expenses—with just a touch of a finger!

5.Home Budget with Sync (Android, iOS)

home budget app

image source: www.anishu.com

If you’re a finance management newbie, chances are you’re still living with your family or with some friends from college, or even your fellow employees. Thus, you have to make sure that your home budget is in the right place—or else, all of you might fall into a big pool of debt. Home budget helps you sync income and expenses—together with those of your housemates—so you can find ways on how you can save up, and pinpoint what you should stop buying.

6.Wally (Android, iOS)

wally app

image source: wally.me

Sometimes, you have to get back to basics and just set a financial goal for yourself—and Wally would help you do that! With this app, you can make a list of your targeted spending budget, savings, and financial goal for the month, or even the entire year. You’ll also get to see your expenses—so you can check where you’re failing, and what you have to do to reach your financial goals.

7.Level Money (Android, iOS)

Level Money

image source: www.pastemagazine.com

And finally, you have Level Money. This app connects to your bank and credit card accounts, checks your balances, and tells you how much you can afford to spend on a daily basis—so you won’t go over your set budget.

Work hard—but don’t let what you’ve earned go to waste. With the help of these apps, you’ll surely be in a good place!

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  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines ID (IBP)
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)

IDs Accepted

As required by Bangko Sentral ng Pilipinas (BSP), clients who engage in a financial transaction with covered institutions for the first time shall be required to present the original and submit a clear copy of at least ONE (1) valid photo-bearing identification document issued by an official authority. For our clients’ convenience, Cebuana no longer requires submission of the photocopied ID. IDs are captured using a webcam in all branches. Clients are also required to submit an updated photo and other relevant information whenever the need for it arises.

Forms of identification accepted are the following;

Pawn Accepted IDs
1. Passport
2. Driver’s License
3. Professional Regulation Commission (PRC) ID
4. National Bureau of Investigation (NBI) Clearance
5. Police Clearance
6. Postal ID
7. Voter’s ID
8. Philippine Identification (PhilID) card
9. Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
10. Barangay Certification
11. Government Service Insurance System (GSIS) e-Card
12. Senior Citizen Card
13. Overseas Workers Welfare Administration (OWWA) ID
14. OFW ID
15. Seaman’s Book
16. Alien Certification of Registration/Immigrant Certificate of Registration (for foreigners)
17. Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
18. Home Development Mutual Fund (HDMF ID)
19. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
20. Department of Social Welfare and Development (DSWD) Certification
21. Integrated Bar of the Philippines (IBP) ID
22. Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission
23. ID issued by the National Council on Disability Affairs (NCDA)