Bad Financial Habits to Break Before the Year Ends

BAD-HABITS_BLOG_BANNER

As 2017 comes to a close, it’s time to turn over a new leaf and get rid of all sorts of bad habits, financial habits, included. From spending more than you earn, unnecessary and impulsive purchases, taking from your savings, making late payments, not tracking your expenses, and not putting money to the side—all those money mistakes you’ve been guilty of this year must come to an end. If you want to be financially stable in the future, then having good financial habits should start now. Not to mention, be caught up in money woes should an emergency arise. Start preparing for your future by taking control of your expenses. Here are some bad financial habits you need to break before the year ends: Spending More Than You Earn You are spending more than you earn if you have a little money left at the end of the month. But, you can put an end to this habit by budgeting your money to make sure that your income covers all your expenses, while still having some left for savings … [Read more...]

8 Realistic Financial Goals and Ways to Achieve Them

REALISTIC-FINANCIAL-GOAL_BLOG_BANNER

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

LOAN-SCAMS_BLOG_BANNER

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

5DESIGNER-BAGS_BLOG_BANNER

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...]

Concert Tickets? Five Things You Can Do To Get To Watch Your Favorite Band

CONCERT-TIX_FBARTICLE

 “Nobody said it was easy No one ever said it would be this hard” - The Scientist, A Rush Of Blood To The Head After rumored speculations, a long wait, broken promises, and many hoaxes…the universe has answered the prayers of many hopeful Coldplay fans in the Philippines! On an Instagram post, the Grammy award-winning British 90s rock band revealed they’re taking Asia by storm this 2017- and YES! That includes the Philippines! * Insert gasps, cheers and shrieks! * Their concert tour is leaving everyone in tears… happy and joyful fan tears! Coldplay is finally coming to the Pearl of the Orient! However, like most international concert stages, concert tickets are a bit pricey! With Php 22,500 for VIP seats, Php 17,500 for Platinum seats, Php 12,500 for Gold, 7,500 for Silver, 3,500 and 1,800 for Bronze and Gen Ad seats respectively [Source: MMI Live], the prices are just staggering!  Here’s more, the concert tickets are going on sale on November 24, 10 am to be exact (but … [Read more...]

10 Best-Budget Laptops Starting from P8,000

8k-LAPTOPS_TWITTER_BANNER (1)

From home, school and work, we live in such a fast paced lifestyle that we love to have things that supplement our on the go schedules such as a laptop. While the market for laptops range from high-end to best budget, it still begs the question, what makes a good laptop? Sure, one may opt for the dear ones as one would believe that price dictates the overall performance of a laptop, however, these days, tech firms are quick to showcase that a budget laptop doesn’t mean a discounted quality. You can just find a laptop of your budget where its performance is just as good. Previously, we rounded up 10 best budget laptops to get your hands on [Read:8 Best-Budget Laptops This 2015 Starting from P8,000]. Now, we’re  hitching up a notch as we help you choose more options with the list of ten best-budget laptops starting at Php 8,000 (still the same budget). So, check them below because these laptops are fantastic enough to cater to those with an always-moving lifestyle. 1) ASUS … [Read more...]

Pawnina Shares: Calling it Quits With Your Business Partner (The Right Way)

PAWNINA-BIZ-PARTNER_TWITTER_BANNER

Hi guys, Pawnina here. Well, breaking up is not at all beautiful, we all know that. While some relationships endure a lifetime, other relationships will flounder just like business partner relationships. It will be obvious. You will feel it when everything is not working out anymore. So instead of creating a grudge that will run deep where it eventually fall into a lifelong feud, take the right steps to break up with your business partner. If it’s time to call quits with your partner, here’s how you should do it because it’s better to break up gently than ugly.  1) Communicate a lot and with honesty. “It’s not you, it’s not me, but it’s us.” Honesty is the best policy. You both should be transparent with all the plans and communication is everything! Much like a divorce in marriage, this is a step by step process. Nothing will be as easy as one, two and three, plus separating in a business relationship can be costly. A sweet reminder: Always keep a good tone, be … [Read more...]

How The Golden Rules Of Investment Can Teach You To Prepare For A HeartBreak

Investing-Heartbreak_TWITTER_BANNER

Relationship is like a stock market, you invest. You invest feelings. You take the risk to put yourself in a vulnerable situation, like the market. But you trust, you trust that you can get through the ups and downs of a relationship like the fluctuating market conditions. You believe that you can control and you can get a higher return (of unconditional love) when the risk is lower (the ideal relationship)... but somehow like any relationships (especially for first timers), it is bound to get through a heartbreak. So just like a stock market, you invest. You invest your time, your feelings, your emotions, and yourself. Here’s how the golden rules of investment can teach you to prepare for that heartbreak.   1) Avoid the herd mentality. In investing, you should not base your decisions solely by what others are talking about. Do not jump into the trend. Just because everyone’s doing it, you should.  Like in a relationship, don’t let peer pressure decide when or when not to … [Read more...]

10 Alarming Signs Your Business Could Be Dying

Dying-Biz_TWITTER_BANNER

Businesses, eventually, they die. Not to be harsh, but they die in a sense that the business flopped or failed as a result. Not now however, but businesses will have its time and that bitter fate clings solely to its owners. Businesses don’t last forever, there's that, but they can stand a lifetime, two or more if lucky, and that lies on the hands of its management. If you want to know how to keep your business breezing from generation to generation, etching its name into success and staying there, then check out these alarming signs to save your business from the clutches of bankruptcy. The future is always uncertain. 1) There are more expenses than profit. Cash flow, we’re talking about the gains over the losses. If you are not earning any profit for your business; no high return of investment for your capital, you spend more than you earn, and sales are just poor, then that's a serious problem. Money is the lifeblood of your business. The reason it grows is because of the … [Read more...]

The Battle For The Best: Microsoft Surface Studio Versus Apple MacBook Pro 2016

PCvMAC_TWITTER_BANNER

Last week of October, the two tech giants announced their best bets in the industry leaving people astounded to which of the two offers should one buy first! (For real, which one?) Both are expected to be on the market by 2017, we got at most two months to decide! So, to help you weigh your priority, let’s take a step back, keep those wallets intact and contemplate on their strongest selling points: On the Microsoft Corner : “Turn your desk into a Studio” Source: Surface Powerful, strong, promising, innovative, competitive… Watching Microsoft’s latest venture just leaves one in a hair standing awe! Rivaling that of Apple’s iMac, the Microsoft Surface Studio looks like it’s coming for the kill. The video ad is in itself a work of technological art. Here’s what one can expect with the 28-inch all-in-one desktop computer: It’s an All-in-One computer featuring the “World’s Thinnest LCD Monitor” The LCD is billed as the thinnest LCD ever (to date) at 1.3 millimeters thick … [Read more...]