Pawnina Shares: Halloween Promo Tactics Your Business Can Pick-up From Watching Horror Movies Alone

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Hey guys, Pawnina here! Before the cheerful chill of the Christmas season, we get shivering feels, not from the holiday cold, but from the Halloween break (Awoooooo). Time to get those boxes of blockbuster DVDs from the closet and blow away those cobwebs (vintage is not ancient by the way) because we got a long scream fright ahead (laughs incessantly). Don’t close your eyes tho, we’re not here to discuss a film review, we’re here to use the horror movies as inspiration to our Halloween promo ideas. Here’s a fun fact, a 2014 study, entitled "The Impact of Fear on Emotional Brand Attachment," revealed that consumers experiencing fear while watching a film feel a greater affiliation with a present brand than those who watch films evoking happiness, sadness or excitement. Very interesting! So, let’s snatch the mojo from those horror films and understand how we can pick-up Halloween promo tactics from watching them alone. The formula of Mystery What’s the missing link? Horror … [Read more...]

Trick or Treat: Halloween Promo Tricks To Treat Your Business To An Increase In Revenue

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We’ve been sharing more about how to get your business sales increase this holiday season, but let’s take a break and play a little more. Since the time of the year when you could dress to be whoever you want is nearing, take good advantage of this opportunity to give your customers something to look forward to. Yes! Happy Halloween folks! Halloween may only fall for two days, but you could start spicing up your trick or treat ideas now to give your business revenue a boost. Scare all the negativity away and create an aura of fun with these Halloween promo tricks to try below: 1) Treat them with free candies. According to a study entitled "Sweetening the Till: The Use of Candy to Increase Restaurant Tipping", handing out candies or sweets while giving customers their check in a restaurant increases the likelihood of the customers' tip-giving. The study showed three observations: Observation 1: When the waiter left a single piece candy while giving the receipt, the average … [Read more...]

Can’t Pay Your Credit Card Bill? Here’s What to Do Next

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Admit it. Your credit card bill isn’t your favorite mail to receive every month end. But when it arrives with a big figure, reality hits you hard. You just can’t pay it all. So, what’s next? You are not alone. Most people are having a hard time paying their bills on time and in full too. It could be brought by unforeseen circumstances—from losing track of monthly expenses to emergencies and unemployment.   What Happens When You Don’t Pay Your Credit Card Bill Often, you won’t think about the consequences of an unpaid credit card bill. First month of missing it isn’t that noticeable. But when you consistently don’t pay your bill, interest rates and penalty fees accumulate which are sure trouble to your pockets. Late repayments come with penalty fees ranging from 4% to 7%, while compounding interest rates range from 2.5% to 3.75%. Waiting for more than 90 days isn’t a smart move. Your creditor will mostly likely put your name on the permanent negative record, which can … [Read more...]

Friendly Credit Card Alternatives That Financially Savvy Filipinos Could Use

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Although credit card promises the luxury it offers, Filipinos are still generally averse to the risk. According to statistics, around 7 million of the Philippine population are actual card holders,and not even all seven million are individuals, others hold at least two of them. To be honest, this is a significant low number compared to neighboring Asian countries. Mainly because most Filipinos understood that credit cards are loans or "utang." With interest rates, terms and conditions and a financial responsibility to consider with having a credit card, plus the amount of money that comes with it, a credit card is the least likely practical choice to owe extra money. If you want a lighter approach to the borrow now-pay later method, like making pautang to your best friend… stress-free and no pressure at all, then check out other alternatives to the credit card below. Cash  The obvious choice among the bunch is to carry in cash for all the right reasons. Having cash around … [Read more...]

7 Phones You Can Buy As An Alternative To Your Recalled Samsung Galaxy Note 7

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“It could be one of the costliest product safety failures in the history of technology.” -Time Just two months away from its release, reports of the new Samsung smartphone blowing up in flames had sparked concerns worldwide. The speculations of its safety made its clear mark when airports banned the use of the Samsung Galaxy Note 7 devices, alarming smartphone users of the future of the Samsung gadget. Now, the biggest blunder of a premium phone came rushing as Samsung abandoned its popular phone. Reuters then reported that the Seoul-based firm has decided to halt its production of their latest smartphone gadget-the Samsung Galaxy Note 7- to consider the safety of their consumer. It may sound heavy and shocking to know but there are still other notable premium phones you can have instead of the latest Samsung note. Below are a couple of other alternatives that you can consider. 1) Apple iPhone 7 and 7 plus The latest iPhone is always a better version than its predecessor … [Read more...]

The Relationship-like Stages You Experience On A First Credit Card Affair

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“A relationship is like a credit card, if you don’t handle it responsibly, you lose its value and pay heavy in the future for the past” -Joseph Cubby Life would be easier if you can just have a credit card by your side… well think again. A credit card is more than just giving you extra cash in a card. A credit card is a "credit" by the end of the day, and Joseph Cubby was right when he compared a relationship to a credit card, because a common point for both is RESPONSIBILITY. Now, you’re guessing you are old enough to handle a credit card. You think you are financially responsible to manage your budget and you feel it’s high time you get a credit card because after all you’re adulting. But here’s a credit card advice, responsibility sounds easier said than done. If you’re ready to mingle yourself with credit cards, here's an easier understanding of how it's like to start and end a credit card affair for the first time. All we want to give you is a credit card material that you … [Read more...]

Pawnina Shares: The 7 Wonderful Perks You Can Enjoy With Good Credit History

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Hey guys, it’s Pawnina again! Sometimes when you want to be secure of the future, you have to look back in the past. That’s how banks foretell a borrower’s tomorrow, they check their credit history. Okay, a credit history is like your financial background check. Yes, the financial institution has extensive connections (that you don’t have, no offense) to see whether a person is worthy for an investment. So, they say that you don’t judge a book by it’s cover, but that doesn’t work for lenders, because a person’s loan responsibility is judged through his/her credit past. Now, check out these seven wonderful perks you can have with a good credit history and know why it’s always better to be good. After all, you don’t want your credit past to haunt you. 1) Easier loan approvals. Planning to get a real estate loan for that condo or house, a car loan to get your dream vehicle or a business loan to finally be your own boss? Well, better mind your past because your credit … [Read more...]

A Back to Basics Guide To Earn Your First Credit Card

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Credit cards in the country are usually seen as a luxury because ideally it has a lot of benefits such as hassle-free money transactions, fast solutions in financial emergencies, instant gratification from online shopping, easy online booking payments and a lot more. It’s indeed alluring! Image source If you’ve been wanting to get your wallets with those swiping plastic money, yet you still wonder how? Here’s a back to basics guide to help you come into terms in earning your first credit card. 1)Determine the best type of credit card you can apply for. So, it's your first time to apply for a credit card and you feel overwhelmed with the hundreds of credit card products that you've read from different banking institutions. Well, to explain to you, there are a variety of credit cards that suits a particular financial need. From the variety of credit cards, there are three major types to know.  Regular -This is the best bet for first time credit owners.  Premium-For … [Read more...]

10 Clever Tips to Earn Extra Cash for the Holidays

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The moment Jose Mari Chan takes over the speakers at shopping malls, you just know it’s Christmas time in the Philippines. Despite the heat and humidity in this tropical country, the air feel just a tad crisper, the people merrier, and oh boy, the prices of holiday gifts seem higher. Yikes! Since Filipinos love Christmas time, they tend to splurge during the holidays. In this article, we’ll give you a few tips to earn that extra cash for your holiday shopping madness so you won’t have to be galante now, pulubi later. 1. Set up a garage sale. Filipinos love to keep stuff with sentimental value even when it becomes obsolete. We just love to hoard! If you have a lot of pre-loved items that are still in good working condition, sell them to generate extra cash instead of watching them collect dust in your storage. 2. Do overtime work. This is the fastest way to earn extra dough especially for office girls and boys. If you’re a freelancer, accept more projects. Don’t forget to … [Read more...]

Make or Break: What You Need To Know About The NEW Google Phone

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Just when we thought Google’s Nexus program was the endgame of their electronics device venture, the search giant’s leap into the smartphone market rocked the tech industry! Last October 4 in San Francisco, Google launched their next flagship phone - PIXEL! This leaves a lot of smartphone users asking whether the new google phone is the next generation for smartphones. Since the Pixel phone by Google has not been released in the market yet (whisper: expected release is this October 2016!), here are the features of the new smartphone that we GOOGLED just for you. 1) Pixel has a battery that charges 7 hours… in 15 minutes Pixel’s fast charging time looks like a candidate for the leading player in helping smartphone users live a productive and fast-paced lifestyle! Still, that’s what they promise; we can’t wait until we try it. Image source 2) The highest rated camera smartphone ever! Google calls their phone’s 12.3 megapixel camera the “BEST SMARTPHONE CAMERA EVER … [Read more...]