Education & Career

Budgeting

Mastering 13th Month Pay Computation: A Simple Guide for Employees and Employers

The 13th-month pay is a financial boost that brings joy to Filipino workers during the holiday season. Mandated by law, this benefit recognizes employees' efforts throughout the year and helps them prepare for festive celebrations. Learn the essentials about this bonus—who qualifies, how it’s calculated, and its significance—so you can make the most of your holiday earnings.
Credit Cards

How To Get A Credit Card - A One-stop Guide To Credit Cards In the Philippines

For first-timers in the world of credit cards, tackling the application process and making the most out of the perks might feel like an underwhelming task. But getting started is simpler than it seems. This guide breaks down everything you need to know—from understanding your financial standing to choosing the right card for your lifestyle. It also offers practical tips for responsible credit card use, ensuring you avoid common pitfalls like overspending or missing payments. With these insights, you'll be equipped to use credit cards wisely, turning them into valuable tools for your financial journey.
Credit Cards

Is the UnionBank Lazada Credit Card the Ultimate Mastercard for the Savvy Filipino Shopper?

The UnionBank Lazada Credit Card offers more than just convenience—it’s packed with rewards that make every Lazada purchase more valuable. With up to 5% cashback, interest-free payment plans, and exclusive access to special sales, it's a powerful tool for savvy online shoppers. Curious about what else this card has in store? Discover how it can transform your online shopping experience.
Credit Cards

Presenting the Unionbank Platinum Mastercard - A Cashback Connoisseur's Companion

The Unionbank Platinum Mastercard targets a particular market segment: the cashback-aware person who values international acceptance and an easy-to-use rewards program. For heavy users, its unlimited earning potential is a strong selling point, and for the seldom traveler, the free travel insurance provides a little extra protection. However, other choices might be more suited for anyone looking for a card with lots of travel benefits or lounge access. Read the full review!
Credit Cards

Is the Metrobank Platinum Mastercard Worth It? Let's Take a Deep Dive

The Metrobank Platinum Mastercard is just about the good one for a person who really wants to enjoy benefits and travel perks. Primarily because of its elaborate points system and travel privileges, this card could be very helpful if you can utilize the benefits applied to it. And just Like any other credit cards, there is always a need to weigh the benefits and flaws in the light of spending and choices of lifestyle. Read our full review!
Credit Cards

Travel in Style With The UnionBank Miles+ Visa Signature Credit Card

The UnionBank Miles+ Visa Signature Credit Card offers perks like fast mile accumulation and VIP lounge access. Want to know more? Read our full review for all the details!
Personal Loans

UNO Digital Bank Personal Loan Review - Online Loans Made Right For The Hardworking Pinoy

There are a number of reasons why UNO Digital Bank has been rising to the top in the FinTech world. This review will give you all the essential information you need in deciding as to whether you should go ahead and apply for a personal loan view UNO Digital Bank.
Credit Cards

UnionBank Cash Back Visa Platinum Credit Card: Earning Cash Back with a Platinum Flair

The UnionBank Cash Back Visa Platinum Credit Card is one of the strongest names in the credit card market for any Filipino consumer seeking a straightforward and satisfying credit card application process. Let's walk you through the things that make this card stand out from the rest of the pack -- grand cash back program on groceries, Meralco bills and so much more.
Personal Loans

LF Lending Services Corp - Do They Offer The Best Multipurpose Loan For Every Pinoy In Need?

For Filipinos looking for financial help, LF Lending presents itself as a possible fix. For borrowers in need, their emphasis on a simple and quick application process together with inexpensive rates can appeal. But as always, do your own research before committing to a loan. Let this review be your guide in determining whether LF Lending is a good fit.
Credit Cards

A Quick Review of 'Metrobank World Mastercard' - A Powerful Credit Card for Those Who Seek More

The Metrobank World Mastercard appeals to ambitious people. It unlocks awards, travel perks, and special experiences. A card that is ideal for those who value luxury and want a little extra in their daily transactions. This might just be your next favorite daily companion.
Credit Cards

A World of Rewards Awaits with the UnionBank Rewards Visa Platinum Credit Card

In the market for a new credit card? Whether it's your first-time owning one or need another to supplement your lifestyle and make each purchase an exceptional one, the UnionBank Rewards Visa Platinum Credit Card might just be the right fit.
Finance & Business

Simple Guide to Personal Finance Before Concluding 2024 - Q4 Financial Review and Strategy

Were our savings targets met? Is our debt significantly reduced? Are investment strategies working? Let's review our progress so far and what we can do to turn our finances around before 2024 comes to a close a few months from now.
Real Estate

Is September 2024 A Good Time For Filipinos To Invest In Real Estate?

Timing in real estate is a sensitive balance between the shifts in the market and the economic indicators with financial wisdom. This provides extremely high returns, while a miscalculation could bring only troubles. To answer that question, one would look at market trends, economic predictions, and financial preparedness.
Finance & Business

Payday Loans vs Personal Loans — A Simple Guide To Knowing Which Works Best For You

A lot of Filipinos think that managing money is all about finding the right mix. Whether you're making a regular budget or saving for the future, every peso counts. But what would you do if an unexpected cost, like a repair bill or a school fee suddenly pops up? This is where personal loans and cash loans come in handy.‍
Finance & Business

How to Resolve Financial Constraints - The 9 Types of Solid Income Streams

In an ideal world, we’d all have at least several income streams flowing at once. But let’s be real—even the filthy rich often rely on just a few. The key is to find the ones that work best for you and double down on them rather than spreading yourself thin.
Personal Loans

Set Your Dreams In Motion: Complete Application Guide For UnionBank Personal Loan

You might think it’s high time to upgrade your business with better equipment or to finally get your startup off the ground. Maybe you have a child who could use a substantial boost in furthering their college education. It could also be that your house needs some major renovations or you simply need a fresh start by getting your house in order – which is code for consolidating all your debt. In any case, this article will guide you through the entire UnionBank personal loan application (for any reason you are looking to secure large funds) and some valuable tips in managing your loan.
Quick Loans

An Unbiased Review Of MoneyCat: Payday Loans Have Never Been This Fast!

MoneyCat is an innovative online lending platform that offers quick, hassle-free short-term loans with a simple application process and rapid disbursement. With no interest or fees on first loans and a fully remote experience, it's a convenient option for immediate financial needs. However, borrowers should be mindful of the higher interest rates on subsequent loans and the limited loan amounts.
Digital Banking

Banking Beyond Borders: How Digital Banks and E-Wallets Are Transforming Finance in the Philippines

As digital banking gains popularity, it's essential to understand its benefits, how it distinguishes itself from traditional banking, and the role of popular e-wallets in this evolving ecosystem.
Budgeting

Smart Spending and Saving During the ‘Ber Months’ - A Simple Yet Foolproof Financial Guide for a Prolonged Holiday Season

In order to avoid a financial strain that could financially incapacitate you when 2025 unfolds, set a budget, plan your purchases, and maximize savings by using credit card rewards wisely. Enjoy the festive season without overspending by making thoughtful, budget-friendly decisions.
Finance & Business

The Ultimate Guide to Budgeting for Young Professionals: Top Tips for Financial Freedom

Achieving financial freedom as a young professional in the Philippines starts with smart budgeting, clear financial goals, and strategic use of tools like credit cards. This guide offers practical tips on managing finances, building an emergency fund, and investing for long-term growth. By staying disciplined and making informed decisions, you can secure your financial future and turn your financial dreams into reality.
Finance & Business

A Complete Guide on How to Apply for an SSS Salary Loan in the Philippines

You’d be hard-pressed to find a Filipino who has never heard about a salary loan. If anything, it’s the lifeline of the Filipino masses, especially those who must cover bills and other unexpected payments before the next paycheck comes. Speaking of, an SSS salary loan is a wise choice in these circumstances, and the best part is that it’s not exclusive to employed members.
Finance & Business

Top 10 telemarketing companies in the Philippines

The power of the internet brings huge advantages to the communication marketing industry, with the emergence of social networking sites and many forms of online marketing. However, there is still a "classic" but extremely effective form of marketing that interacts directly with potential customers via phone, internet or fax, which is telemarketing. This form is carried out by businesses, telemarketers or artificial intelligence with automatically set up calls.
Finance & Business

Famous investment scams in the Philippines

The post-Covid-19 pandemic has led to an economic recession, causing many people to lose their jobs, making life difficult, and also leading to an increase in scams. Attractive offers such as "invest 1 and get 10", or "you don't need to do anything to make money, with just a small capital" cannot help but attract many gullible people who want to earn more income. in a difficult economic situation. As a result, in the Philippines, many people have fallen into investment "traps" from scammers. These "phantom" investments can be stock investments, corporate scandals or pyramid scams. In this article, let's learn about some investment scams in the Philippines and how to avoid scam risks.
Education & Career

What you should know about the National ID?

The National ID card is an essential item for every citizen, as countries residence ID, it serves like evidence of one's legal status within a nation. Each country will have a different national ID system, but there will usually be basic information in terms of the holder's name, birth date, place of origin and current residence. In the Philippines, this crucial ID is known as the Philippine Identification System PhilSys ID. This is a public identification card not just to Filipinos globally but also to foreign individuals who have permanent residency in the Philippines. Through the PhilSys, the government can efficiently validate an individual's personal data.
Finmerkado Facebook Page