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Showing posts with the label Financial

Safeguarding our Future made possible for everyone

Life is unpredictable, unforeseen events like accidents and sickness are just around the corner, they can happen anytime and can catch you off-guard. Just as Stephen King said, “there's no harm in hoping for the best as long as you're prepared for the worst.”
Many of us are ignoring the importance of insuring ourselves and our future. The most common reason is money. We may be decided to get ourselves insured but with all the expenses that we have every day, it becomes least of our priority. 
This is a common scenario to a regular Filipino worker who earns minimum-wage which is just enough to bring food on the table, and a lot of us are on the same page. 
The second reason is trust. A lot of companies offering insurance often sound too good to be true, or we have heard stories from our friends and discouraging us to get insurance, so instead of having fewer worries during times of crisis, we end up stressed out.

This is what is happening right now. With the outbreak of the new Cor…

Cebuana Lhuillier Insurance Brokers, ensures accessibility for Filipinos

Preparing for your future is more than working hard and saving money, getting insurance plays a vital part in it. A lot of Filipinos are still not aware of the importance of getting insurance and even if some are already aware of it, most of them are hesitant about where to start for their insurance.

If the knowledge and benefits of insurance are easily accessible to every Filipinos, it would enlighten a lot of us in the importance of insurance and preparing for our future.

Cebuana Lhuillier, the country’s largest micro-financial services provider, has introduced a new insurance brokerage company, Cebuana Lhuillier Insurance Brokers, Inc. (CLIB), that aims to help provide Filipinos with better access to more inclusive and affordable insurance products and services.

 2018 data from the Insurance Commission reveals that almost 40 million or only 37% of the country’s 105 million total population are covered by insurance. Further highlighting how getting insurance can be a challenge, owi…

P 1.00 per kWh total reduction on Meralco Bill for February 2020

After the holiday season, one of the things that may have hit your wallet hard is your electricity bill., the aftermath of those parties and holiday lights that made the celebration memorable and fun. You can only wish that you can get a discount on your electricity bill.

You don't need to wish for it since there is great news for us consumers! For the second month in a row, the Manila Electric Company (Meralco) announced a decrease in
power rates for February.



The overall rate for a typical household consuming 200kWh decreased by P0.59 to P8.86 per kilowatt-hour (kWh), its lowest level in two years, from last month’s P9.45 per kWh. Such a household will see a decrease of around P118 for their total electricity bill this month.

The reduction is mainly due to a lower generation charge after the implementation of new Power Supply Agreements (PSAs) starting last December 26.

The back-to-back rate decreases to start the year total to P1.00 per kWh and goes against the usual trend of …

Protect your heart and bank account this love month

Masakit mabasted. Pero mas masakit mawalan ng pera sa bank account.

Habang papalapit ang araw ng mga puso huwag hayaang maging biktima ng mga mapagsamantala, hindi lahat ng mga matatamis na salita ay ginawa para paibigin ka, it rin ay ginagamit ng ibang tao para maloko ka, lalong lalo na ng mga kawatan na handing samantalahin ang ganitong mga okasyon para sa pansariling kapakanan.

Todo ang pangungumbinsing ginagawa ng ilang kawatan hanggang sa makuha nila ang inyong personal na impormasyon, na gagamitin nila para mapasok ang iyong account at makuha ang lamang pera nito.

Alam nilang manipulahin at paglaruan ang feelings ng mga tao kapag Valentine’s. Base sa report ng US Federal Trade Commission, $143 milyon ang nawala sa mahigit 21,000 kaso ng cyberfraud sa Amerika nung 2018. Mas marami pa ito kumpara sa $33 milyon mula sa 8,500 kaso nung 2015.

Pero merong mga paraan para maiwasang ma-fall sa mga scam na ‘di lang masakit sa puso, kundi rin sa bulsa. Ito ang ilan sa mga pwede n’yong gaw…

Best Christmas gift for kids

Teaching kids on how the importance of financial stability at their early age makes them ready for their future. Like with our youngest child, Chelsea we already start telling her the importance of saving her money, wants vs needs and the importance of having emergency funds.


Nothing secures a child's future better and, at the same time, teaches them the value of saving than by gifting them with a BDO Junior Savers account this holiday season.

The BDO Junior Savers Account is specially designed for children 12 years and below. With an initial deposit of Php100, you can open an account and start growing interest.

Kids below 12 years old will get a passbook to monitor their savings for as low as Php100 and start earning interest upon reaching a P2,000 deposit balance. Children between 7 to 12 years old may request for a personalized BDO EMV Debit Card upon reaching a deposit balance of P2,000.

Junior Savers also gives you the option to help your child save. Through Easy Saver or yo…

SM & BDO’s Pamaskong Handog offers exclusive deals for Overseas Filipino families

SM Supermalls and BDO are once again bringing a one-of-a-kind Christmas celebration to overseas Filipinos and their families with star-studded Pamaskong Handog events happening at SM Seaside City Cebu Mountain Wing Atrium on December 7, SM City Davao Event Center, Annex on December 14, and SM City Telabastagan Event Center on December 21!

"Overseas Filipino workers have made so many sacrifices for their families. This is our way to help spread happiness during the most wonderful time of the year," shared Jonjon San Agustin, SM Supermalls Senior Vice President for Marketing.

“Only SM & BDO have this kind of collaboration and exclusive offers for our kababayans. Every year, we look forward to organizing our Pamaskong Handog event and do our best to bring smile to their faces as they are far away from home during this time of the year.” said Genie Gloria, Senior Vice President and Head of BDO Remittance.

As a special holiday gift, exclusive deals and discounts await overseas …

PiTaKa program helps OFW achieve their financial goal

Working abroad is not like taking a vacation out of the country and earn money. It may seem an easy way for you to help your family, but a lot of our Kababayans spend years or decades to save and send money back to their loved ones.

As a former OFW, one of the goals that we have is to give our family a better life, give them the things we can't afford, and paint our children's smiles with chocolates. With that mindset, we tend to send them whatever we can, up to the point that there is nothing left for us, and that should not be the case.

You don't want to work until you've had enough, you need to set goals, save money and prepare for the future of your family, giving them the things that they wanted is not bad but don't spoil them, your family needs you, more than the toys, fancy clothes and chocolates in the Balikbayan Box. Your return is what they will be anticipating most, so you can spend time and enjoy what you've hardly earned abroad with them.

If we wa…

3 Important Reasons Why You Should Save Money

Whenever payday arrives, almost all of us becomes a one-day-millionaire, we buy what we want, what we need and pay what we need to pay with our hard-earned money.  That is one reason why most of us live by payday to payday.

It is rewarding to get the gadget that you aim for or fulfill that vacation that you have been planning for a year or those cool sneakers whom you've saved money for months in your trusty piggy bank.

But while self-reward is vital, some tend to overdo this at the expense of the need to save.

You don't need to attend seminars or become a financial advisor for you to know the importance of saving for your future and whatever unexpected, while it seems that we only have enough money to get by every payday, it does not hurt to sacrifices a few our "wants" to save for what we need and gain financial freedom.

A Bangko Sentral ng Pilipinas survey on consumer expectations for the first quarter of 2019 showed that only 36.6 percent of Filipino households …

Sun Life ambassadors reveal their lifetime partners

Life is short, so it would be better if you have a companion in your journey. Someone you can trust and rely on, someone you know that will stick with you through the end, through thick and thin.

Wouldn't it be nice if as early as now we find our lifetime partner? It would be like a dream come true.  With this being said, I have been in one of Sun Life Financial's event recently that tackles on having a "kaakbay" on your financial journey.

Financial literacy is not being taught in all schools, we all know that saving money in the bank is the traditional way to save and financially prepare for the future, but then what's going to happen next?

This is where we need someone that we can trust, a lifetime partner for our financial journey, someone we can call "kaakbay".

Our hard earned money should be spent wisely and be invested for it to grow, so aside from saving money in the bank, getting your self insured and investing your money is something that we s…

What Is A Point Of Sale (POS)

POS or Point Of Sale is a system that is used throughout the restaurant and retail industry. POS systems are comprised of computer software and a hardware network that work together to record sales as they occur. This computerized system allows business owners to track sales, cash flow, food and stock inventory and can help simplify your bookkeeping enormously .



If you run a retail business, you'll understand the need for a good Booker POS system. The last thing you want is customers waiting impatiently in line while your staff manually enter purchase details into your system.
Many small to medium-sized businesses experience problems with price reduction. Identifying which products have been marked down and then accurately recording those discounts can be a headache for many retailers. Instead of spending all of your time dealing with cash register receipts, a POS system can help you to automate the markdown process so that you are able to track them in a more accurate manner.
Re…

Country Bankers Alalay Sa Buhay : A One Year Insurance Coverage for only Php365

In this world full of #TravelGoals and #YOLO, people often disregard the true important investment – INSURANCE. Your cars have insurance, your house has too. But how about yourself? A car can breakdown and be easily fixed by a car shop. You will care less because Insurance got it covered. Typhoon tear-up your house, insurance to the rescue. But what about yourself? Will you be ready for unforeseen circumstances if something happened? Are you ready for the future?

The primary drive of getting life insurance will always be to protect the people you care about in case something unexpected were to happen to you. How much will you be spending in order to pay off debts, support your loved ones, or take care of all your responsibilities?
People have various reasons for not getting their Life Insurance. They felt that life insurance they have with their employer is good enough. Some also doesn’t feel the need for Life Insurance mainly because they are earning a lot today and is confident that …

FWD Set for Tomorrow: Protection for the people we love

We're not going to be around forever to take care of our family and our loved-ones, so if there is someone that we can entrust them, it is better be someone who knows on how to take care of them the way we do.

FWD Life Philippines, one of the country’s fastest-growing life insurers, has introduced a series of new protection plans that can be tailored to meet individual customer needs.  The FWD Set for Tomorrow is a financial protection for those you leave behind.
“FWD’s Set for Tomorrow will provide protection for the people we love and care about. The coverage amount and period can be customized to any personal situation and budget. Our aim is to make real and substantial protection accessible to everyone,” said FWD Life Philippines President and Chief Executive Officer Peter Grimes.
FWD Set for Tomorrow, the insurance product has three variants that address the different needs to take care of those left behind should the unexpected happen—Short Term Cover, Income Protector, and…

How we rebuild everything from scratch

There are certain events in life that come unexpectedly that sometimes even if we have been so prepared, we are still caught off guard, and it is always an ease of worries if you have a someone that you can count on.
With this being said, it's always good to remember those people and places that stood with us during those tough times in our life. As they say, it is in those rough times that you’ll know who stays by your side as you rebuild everything from scratch.



I'll be sharing to you one of the hardest life challenges that we've encountered.

Few years back, a huge fire engulfed our home and burnt down everything to ashes. I can still clearly remember how it was like waking up from this nightmare.

That time we are almost going to bed. I, my 1 year old son, my 12 yrs old cousin, my grandma and my great grandma was the only people that time in our house when the fire started.
My grandma only took her small bag and small size envelope then we left our house. Waiting for th…

Kidpreneurs has given a head start at Commercenter’s Biz Kids

There is no such thing as "too young" if your kids have an interest in entrepreneurship, giving them an idea and nurturing their interest, gives them an edge in their future or can even make them possibly a millionaire in the making.



There was a time when the word “business” was just synonymous to adults working the daily grind. Today, when you go online, there’s a long list of young, self-made millionaires who made it big as kid entrepreneurs. Although stories of successful child entrepreneurs are no longer uncommon, they still never fail to amaze most grownups because of the degree of creativity, determination, courage and business acumen these kidpreneurs have had at an early age.

Commercenter Alabang, the premier lifestyle hub in Alabang, is extended a hand to budding young entrepreneurs through its  Biz Kids Expo last July 28 and 29, 2018. The weekend bazaar provided an avenue for aspiring child entrepreneurs to turn their million-dollar business ideas into an actual bu…

Maybank MOVE : Convenient and Hassle Free Banking Experience

Why hassle yourself by waiting in line with most of today's services if you can do it online?
This is a usual thing that you'll hear from a millennial. Utilizing tehnology to its own convenience. who would want to wait in line to order food if you can do it
in few taps, make payments without the need of physial money or cards, all of the
convenience that most of us an now enjoy.

What if I tell you that you can now open a new account without going physically in a bank.




Last April, 9 Maybank, Asia's Leading banking Group and Southeast Asia's 4th
the largest bank by assets successfully launched its newest product that will let  people
enjoy and experience a fast and no hassle banking process with Maybank MOVE
Maybank Philippines has 74 branches nationwide making it the most accessible foreign bank here in the Philippines. Now they are offering an optimized digital banking that willgive its future customers the flexibility of time and opportunities.



Maybank MOVE- Mobile Op…