Identify and Avoid Loan Scams: Here’s How

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Loan scams are rampant everywhere. These may involve payment of fees for a loan that “lenders” promise to grant, but result in fraud or taking something from you either in the form of cash or personal information in the end. But no matter how much you warn people about loan scams, a significant number of people still fall prey to this fraudulent act. And the reason is quite simple: people dealing with money problems can easily get swayed by all kinds of deals. Further, since many loan scams transpire online nowadays, Malaysians are dubbed to be the most vulnerable to being victimized. A survey made found that almost 50 percent of the respondents have had a history of getting tricked by fraudulent practices on the internet. In the Philippines, economic and cyber crimes are prevalent, too—with reports saying that the country ranked seventh as the most attacked country on the mobile platform. Despite the bleak scenario, there are signs that give away that you may be dealing with … [Read more...]

5 Designer Bags that Are Worth Investing

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A fashion ensemble is never complete without stylish accessories. For the ladies out there, it could be an heirloom jewelry, a lovely piece of scarf or hat, or an exquisite pair of shoes that complement the outfit even more. While clothing trends change rather quickly, the same cannot be said for quality accessories. That’s why it’s good to invest in top-quality fashion items that defy changing seasons and fads. There are designer bags, for example, that never go out of style, and even rack up value in an online pawnshop as time passes. If you’re willing and ready to splurge on fashion assets, the following brands and styles of designer bags might just be what your collection needs:   Balenciaga Image Source The Balenciaga label has been around since 1915—making it a classic in its own right. To give the vintage a modern twist, Balenciaga creators use soft and light yet durable leather to make an old, familiar thing look fresh and new. The distinctive leather … [Read more...]

A Millennial Guide to Getting Personal Loan

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  #Adulting has been a buzzword among the millennials, and is often used in a witty way to mean taking charge of your own life, doing grown-up things, and holding responsibilities. From having a job, paying bills, ensuring that your car is in good, working condition, undergoing certain medical procedures, planning some home improvement activities, achieving financial independence, and so forth. But if you would be honest, #adulting is so much more than a millennial jargon. It’s an inescapable reality just like having expanding waistlines and thinning hair, and admittedly, it’s no less scary than the latter two. Unfortunately, there’s no denying that only a few grew up truly prepared to #adult, particularly when it comes to handling finances. As a Filipino millennial yourself, you know very well that you still have a lot to learn when it comes to your financial health and spending habits. More so, that it takes time to truly take control over this large part of your … [Read more...]

What Your Luxury Watch Says About Your Personality [For Men]

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Men like flaunting their ware too, luxury watches especially. That piece of accessory is like a trophy earned—not to collect dust or be kept in a cabinet, but to be displayed in all its lustrous glory. Just like women, men want to be recognized as fashion icons in their own right. And more interestingly, men’s choice in watches can be quite telling not only when it comes to their social status or economic wealth, but also to their personality. Not convinced yet? Here’s what we learned about men giving much ado about these highly-valued timepieces: Rolex – You’re a “work hard, play hard” type of guy Image Source: Someone who works hard and wants to appreciate the finer things in life can’t go wrong with a Rolex. This classic brand gives our kind of guy all the things he desires: top-of-the-line quality, instant recognition, and the satisfaction of an excellent and timeless buy. Patek Philippe – You’re the gentleman with a vision and flair for business Image Source: A … [Read more...]

Ultimate Christmas Movie List for Your Every Mood

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Cold breeze, Christmas trees, dancing lights, shopping sprees, and countless Christmas parties waiting to happen—it’s definitely the season to be jolly! It’s also the best time to roll out those movies to hype the Christmas vibe. But, let’s not punish ourselves with the traditional ‘A Christmas Carol’ movie night with the family over and over again. To give the holidays a different flavor, PawnHero came up with a list of must-watch movies that aren’t as, well, boring as the typical Christmas movies we’ve already gotten tired of. Romance 1) Serendipity (2001) Source: Movieclips While shopping for gloves one Christmas night in New York, Sara met Jonathan. From then, they knew that what they had was something. They tested fate by splitting up to see if destiny could bring them back together. Many years later, both are engaged to be married after losing each other that same night. Will serendipity make its way to bring them back together in the end? 2) Love Actually … [Read more...]

10 Staycation Spots to Spend the Holidays

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Relaxation without the hassle of traveling far is a must these days. No wonder “staycation” is becoming a popular way to escape and unwind today. This season of joy, give yourself a break and treat your family to a well-deserved vacation. Take them to a short yet complete staycation experience to enjoy the holidays. Here are some staycation spots we recommend to you. City of Dreams Manila (Image source: City of Dreams Manila) Its world-class amenities and exceptional customer service make City of Dreams Manila a dream staycation for anyone. This integrated resort houses three luxurious hotels namely Nobu Hotel, Crown Towers, and Hyatt Manila. It also features a variety of premium restaurants for distinct culinary preferences. Together with your family or friends, make your experience here unforgettable with its entertainment and recreational amenities. Have fun with your kids or younger siblings at Dreamwork’s Dreamplay. Watch international live performances at Centerplay … [Read more...]

How to Not Waste Your 13th Month Pay

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It’s the most wonderful time of the year! Christmas is just around the corner. Holiday sales are everywhere. People are planning office parties left and right. But best of all, Christmas bonuses and 13th-month pay are being rolled out. YASSS!!! You'll definitely feel like a "one-day millionaire" when the extra dough clears on your account. More so, when you're in holiday mode (read: generous-to-the-bone mode), your 13th-month pay can disappear just as easily as it came. For many people, the 13th-month pay wouldn't even get past the Noche Buena. Think about it. You've waited all year for the extra cash, so you might as well put it to good use. Better yet, go milk it for all its worth so that extra cash won't end up as debt comes the New Year. Here are some ways on how not to waste your 13-month pay. Plan, Plot, Allocate Some would argue that it is unwise to spend money before you actually have it. In the case of expected cash, it's advisable to plan and "spend" it all in … [Read more...]

6 Ways to Spot an Authentic Louis Vuitton [With Photos]

6 Ways to Spot an Authentic Louis Vuitton

Designer items are considered guilty pleasures by shoppers—both men and women. One of the most desirable brands that people go crazy about is Louis Vuitton. The brand is well-respected and well-known all over the world for its high-end quality, class, and luxury, which has made it a leader in the industry. However, because the bags are so coveted and expensive, counterfeiters have produced many fake Louis Vuitton items. So, if you’re planning to purchase your first Louis Vuitton product, it’s best to do your own research prior to purchasing, considering that you’re acquiring more than just an object, rather an investment for your hard-earned money. Or if you already have one and want to verify its genuineness, here are some tips on how you can identify if the item is authentic or not. 1. Check the style, design, or model. The first step involves determining the model of the bag, as each has its own set of characteristics in terms of size, material, type of lining, design, … [Read more...]

15 Songs for Hugot Christmas Playlist

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The Yuletide season is all about love, and no one should feel despised. Whether it’s a painful breakup, missing or wanting to be with someone, unrequited love, trying to save a relationship, or just feeling the blues, there’s nothing a good playlist can’t solve. To help ease your pain and bring back that smile on your face, even for just a short period, allow us, at PawnHero, to share with you a Christmas slash hugot playlist filled with love, hope, and maybe reconciliation for some. 1. “Blue Christmas” by Bright Eyes Source: wrinkledforehead The song speaks of love unreturned by someone dear, giving all the holiday cheer around nothing but sad feels. “Decorations of red on a green Christmas tree / Won't be the same dear, if you're not here with me ... / You’ll be doin’ all right with your Christmas of white / But I’ll have a blue, blue, blue, blue Christmas.” Ouch. 2. “Last Christmas” by Wham! Source: WhamVEVO Failed relationships are always sad, but they’re … [Read more...]

7 Scary Habits That Are Damaging Your Finances

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Do you ever wish you have a time machine to correct your past mistakes, especially those that came with a price tag? Bad news! You can never turn back time. The good news is you can find ways not to commit them again. People make mistakes, especially with money. It’s part of learning how to be financially responsible. But when these mistakes are in a cycle, you have a big problem. It’s time to rethink your money habits. Because making the same mistakes again and again is not just depressing, it’s frightening. It can drown you in debt or lead you to bankruptcy. Don’t be haunted by bad debts. Correct these scary money habits before it’s too late. 1. Spending beyond your paycheck This is so basic yet some people still forget to practice it. For instance, your take home pay is P12,000 a month, yet your expenses (bills, food, and shopping expenditure included) is at P13,000 a month. And there you are, wondering why you’re money won’t suffice until the next payday. If you … [Read more...]