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...]

Six Must-Visit Beautiful Churches This Holy Week

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  Holy Week is just around the corner and if you’re planning to go on a church hopping trip, then we’ve got just the thing to help you out! We’ve listed down six of the most beautiful must-visit Churches inside Manila you should go to during Visita Iglesia. Spend the holidays under the magnificence of these places of worship. We hope you enjoy the guide! The Metropolitan Cathedral of the Immaculate Conception, more commonly known as Manila Cathedral, is perhaps one of the most iconic churches in the country because of its Papal history. Located in Intramuros, this is a good place to start your Visita Iglesia! To get there: Take the LRT to Doroteo Jose station then ride a jeep going to Baclaran/Mabini and alight at Intramuros near the Manila City Hall. Mount Carmel Parish in Quezon City, an architectural masterpiece in itself, will make you feel spiritually more connected just by looking. Step inside and let the divinity of its stained glass windows … [Read more...]

Pawnina Tips: How To Save Yourself from Credit Card Debt

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Hi guys, Pawnina here! There are at least 7 million actual credit card holders in the Philippines as of 2015, according to data from the Credit Card Association of the Philippines and statistics from the Bangko Sentral ng Pilipinas reveal that credit card debt in the country reached P157.34 billion in 2014. A really alarming figure considering that Filipinos are averse to credit cards. These wallet-sized shiny plastics hold great purchasing power, and with great power comes great responsibility. While credit card can be a good source for immediate cash, it is still money you owed from the bank. Being irresponsible with managing your credit card debts can mean dire consequences. For those indebted by the cards, take the time to read smart tips from moi to liberate yourself from credit card debt! 1. Resolve one debt at a time. Carrying more than one credit card debt can be so heavy in your near-empty wallets. What you have to do is to resolve one debt at a time. It is advised to pay … [Read more...]

15 Investment Milestones to Accomplish Before Your 30s

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The 30s is the decade where everything should feel right by now and the 20s? Well, it is all in the past (or will soon be in the past for those in their twenties). In fact, the twenties is the decade that’s supposed to show you enough ups and downs to prep you for the rest of your life. Now with living a full-fledged adult life, making the right decisions based on past experiences is crucial. It is important to begin setting smart goals the moment you read this so you can reap the fruits later on. As life would have said, “Welcome to the real world!” To keep your financial goals in check, here are investment milestones that you should be focusing in accomplishing before blowing your 30th candle: 1) Enjoy financial independence. While your parents are there to unconditionally love you, they are also growing old. The first goal is to be free from your parents’ obligation to give you allowance. It’s time you give them the break from taking care of you (financially that is). Your … [Read more...]

8 Things to Consider Before Buying a Luxury Watch

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Luxury watches can be a good investment! In fact, they are hand crafted for long man hours from precious metal and special jewels. They not only retain their value, but somehow also increase in worth over time especially if kept in pristine condition.They are made to last which can be passed down from generation to generation as magnificent heirlooms. Here are things to consider when buying yourself that fine timepieces! 1) The BRAND speaks for itself. They say the longer a brand has been around, the more likely it is to have a better track record. Now, if you are a first time buyer, a well-established brand watch such as a Rolex or Patek Philippe can be a safe choice, but if you are well-versed with other brands then choose the right brand that best fulfills your needs and requirements. 2) Choose the right SIZE. There’s beauty in every fit, so the proportion on your wrist is key! A watch should fit your wrist nicely. In doing so, you have to take into consideration the Golden … [Read more...]

Why Buying Designer Bags Are Financially Rewarding

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Designer bags are to die for! While some would consider these material things preposterous spending, Chanel, Hermes, Louis Vuitton, Balenciaga, among others are not just called a luxury for nothing. In fact, their value has increased 500 per cent for the last 35 years (scoffs Hermes Birkin bags). If you want to splurge on material things that could hold value over time, then a designer bag is the way to go. Hence, here are reasons to convince you why buying one is financially rewarding. As the saying goes, “It’s not just a bag! It’s a designer bag!” 1) Because designer bags are of highest quality. Cliche’ as it may sound but designer bags can prove that you get what you pay for. One of the top reasons why designer bags are a wardrobe investment is because these handbags are crafted from the finest quality of materials by extraordinary skilled artisans holding its value. Made with amazing materials and hours of creation, these bags are designed to stand the test of time, like those … [Read more...]

10 Cameras for Every Type of Traveler

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We travel because we are never meant to stay put in one place forever. We travel in a finite world filled with infinite adventures. Of course, memories fade but to keep it lasting, we take photos to keep that moment frozen for us to remember. So, what’s a good camera you ask? Well, as a start, there are several types of cameras in the market namely a point and shoot, premium compact cameras, a polaroid, action cameras, DSLRs and the mirrorless ones. All of which has its own list of perks. As a traveler, you should consider what is most important to you - size, weight, price, ease of use and whatnot. Now, check out these 10 cameras and find out which best fits you as a wanderlust! Point and shoot camera Perfect for: The budget conscious traveler the light backpacker Remember the days of the digicam? Well, they’re still sticking around. Now, this handy dandy camera is as easy to use as its price. The point and shoot camera is perfect for a traveler who just wants it light (or … [Read more...]