8 Realistic Financial Goals and Ways to Achieve Them

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With so many things to do, places to see, and bills to pay, your wallet and savings will be put to the test. Before accomplishing your life bucket list, you have to make sure your financial savings are all set not only to accommodate your wants but also prepare for the rainy days. But first things first, you must plot out specific financial goals and match it with your financial capabilities. In a previous World Bank study entitled “Enhancing Financial Capability and Inclusion in the Philippines,” Filipino respondents received a rating of 45% in financial literacy quiz, which means that Filipinos’ financial management and habits are still average. No matter what age set you’re in or how your lifestyle goes, the need to save money and be financially aware is a must do. While saving money is a tough deal when you’re living paycheck to paycheck, you can counter it by saving little by little.     1. Have no debts – If there’s one thing you’d feel good for … [Read more...]

5 Reasons Why You Should Earn A College Degree

  Why is pursuing a college education very important? For one, it will open many doors of opportunities for your career and growth as an individual. That, plus all its other benefits, will last you a lifetime! That's a pretty good deal if you ask me. Truth be told, many of us come to a point in our lives when financial circumstances get in the way of finishing our education. In such a case, would it be better to skip school entirely and start a career early? Working may seem like a better option because, let's face it, who doesn't like earning money at a young age, right? There, however, lies a problem. Securing a good career in the field you want or in any field for that matter, means competing with other candidates who have bachelor degrees in this and that and whatnot. Now, guess who your dream company will prioritize for a vacancy. Don't get me wrong, getting a job that pays adequately can help you get back on your feet. But it has to be temporary! If you can make it … [Read more...]

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...]

Why You‘re Safer Getting A Loan From An Online Pawnshop

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In the Philippines only around 3 out of 10 Filipinos have a bank account, of which 5% own credit cards. This poses a serious problem for the masses who are in constant need of financial assistance in their daily lives. Pawnshops act as the solver of this problem by being the gateway to fast and guaranteed short-term cash loans for the regular citizen. Having been around for over 3,000 years, the industry has become a part of the masses daily lives. Local pawnshops help a vast number of Filipinos make ends meet by giving out small loans against collateralized items. The internet has brought about the emergence of online pawnshops who offer the same service as their traditional counterparts but with some added benefits. At the forefront of the digital frontier is PawnHero, the first online pawnshop in the Philippines. Although more and more Filipinos are becoming comfortable with doing their transactions online, there is always that hovering question about safety and … [Read more...]