5 Warning Signs You Really Need a Loan

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Whether you’re the head of your family making ends meet, an entrepreneur starting a new business, or a young professional who wants to level up their lifestyle, a personal loan can help you if you run out of cash or don’t have enough savings. If you do your research, you can find that there are many choices for borrowing money. You can choose to loan from family, apply for salary loans, personal loans, and you can check out online pawnshops, among others. Here are five warning signs that you need to consider getting a loan now. 1. Emergency Hospital Bills or Medical Expenses via GIPHY No matter how careful or health-conscious you are, you can never be fully prepared for medical emergencies. You or your loved one may suddenly need to be hospitalized due to a critical illness any time, and we all know how high hospital bills can get, especially in the Philippines. Unfortunately, the majority of patients in the Philippines have to pay for their own bills, unlike other … [Read more...]

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...]

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...]