Does it sound strange that you need to get two insurance products for your vehicle? Aren’t they all the same? Think about it. The government is mandated provides its own public insurance policies—Social Security System (SSS) for private employees and the Government Service Insurance System (GSIS) for government employees. For some citizens, they still enroll…

Many small to medium businesses are growing in the Philippines. Perhaps you will join the ranks one day as one of the country’s innovative businessmen. If you’re thinking about building a business, you will wonder where you’ll get the money. There are two ways. One is through loans, and one is through investment. When you…

When you learn how to manage your finances, you’ll see that your money will flow in easily. Are you having a hard time with budgeting your expenses? Here are 7 ways to improve your financial health. 1. Recognize needs vs. wants – Sometimes luxuries can become needs, but we all know that it’s just our…

An individual usually applies for a loan to pay for a vacation, or to pay for house remodeling. Whatever the reason, personal loans don’t come cheap, and they may have high interest rates. If you’re interested in applying for a personal loan, it’s best to look for several options. Here is a quick guide on…

We are about to end the first quarter of 2017. Have you started saving, spending, and investing like a pro lately? If so, congratulations, and keep it up. The next step is to share to your friends and family how they can also start maximizing their overall income so that they can earn more and…

Are you growing your business? All businesses need to start with capital, and usually owners get loans to get going. If you’re not sure what to prepare for a business loan—whether from a bank or from a lending organization like Cebuana Lhuillier—you should consider collecting the following to get you ready. 1. Collateral – this…

The year is about to end and you’re currently auditing all of your savings and expenditures for this year. There is nothing bad about this. It’s just normal after all to analyze whether you have made any financial mistakes this year, what may have caused it, and what may be done to revert that mistake…

The holiday season brings many expenses. People have to prepare their budget for various gifts and meals for the Christmas Eve dinner. Yes, indeed Christmas is one occasion that everyone spends so much on. However, that is not the only thing that requires proper financial management. The New Year celebration also requires a certain amount…

There are a few times in which we may have to pawn a few valuables in order to make amends with our budget. This is normal as we have to make ends meet once in awhile, especially as some expenses are unavoidable. With this in mind, we only hope for the best payback after presenting…

Have you ever wanted to send money to your loved ones, only to experience long waiting lines and inconvenient transactions? Ever visited a bank branch to do so, only to be hindered by the countless requirements and hidden remittance fees? Or how about trying online money transfer, only to be scammed by hackers in the…