Now that you’ve started building an emergency fund, the next step is deciding where to put it. Fortunately, there are various safe solutions available that are particularly created for this purpose.  Your emergency money should be placed in very safe and liquid items. There are a few investments you should avoid as well, which we’ll go over in this section. You’ll have to give up some liquidity in exchange for higher interest-bearing accounts, but you shouldn’t invest in anything that takes more than a week to withdraw from. WAYS YOU SHOULD INVEST  The options listed below are organ ..read more

The fact that you can’t see an emergency coming is one of the worst aspects of it. We can all anticipate being confronted with varying degrees of crisis at some point in our lives, and being prepared is the key to minimizing the impact. It’s no different when it comes to your own money. An emergency fund is a financial reserve set up to cover unexpected costs not covered by your regular budget. Illness, job loss, big repairs (such as automobile or house bills), and just about anything else that decreases your income or raises your spending without warning are examples of these situations. &nb ..read more

We Filipinos adore our cars and the numerous liberties they afford us on a daily basis. A car is the most convenient and reliable mode of transportation for going from point A to point B. The issue, of course, is that due to rising gas costs, driving our vehicles is getting increasingly expensive. And the bad news is that, due to a combination of circumstances, those expenses have climbed and are expected to continue to climb. Experts link the sudden increase in gas prices to global oil market uncertainty following Russia’s invasion of Ukraine and the United States’ decision to restrict Russi ..read more

It’s not too late yet. We’re still a few months into the year so, you still have that chance to catch up with the money resolution you promised some months ago.  I know you have been meaning to grow your finances for years now, and you have been deeply resolved that you will make it this year. After going through years of the pandemic, I’m pretty sure you’ve already realized how important an emergency fund is. Most times, you have the heart and the will to be financially independent, but you just don’t know how. In our desire to help Filipinos become more financially well, we have compil ..read more

Oftentimes, we find ourselves in a situation that requires necessary assistance, getting financial support  via loan products is one. Although we all have different livelihood or jobs from each other, there are specific loan products that are tailor fit to our needs. In this article we will tackle all about Seaman’s Loan. One of the most common misconceptions among Filipinos is that seafarers, or “Seaman” as they are called, have deep pockets and are constantly swimming in cash.  This is a fallacy that needs to be debunked, as some of our sea-based brothers and sisters, just like an ..read more

Loans are useful financial products, and they come in many forms – personal, business, OFW. There are also loans offered to a specific profession such as the Seaman’s loan, which is relevant and significant in these times. Filipino seafarers, being part of the heroic OFW community, also deserve to learn what services or products are the best to help them from achieving their financial goals. This loan is one of them. If you are a sailor, spouse of a seafarer, or related to any sea-based OFW, then you should capitalize on this financial product. Find the right loan provider in your area, be it ..read more

Huge houses, cars – a lot of them, and many fancy things can be seen around a place where a seafarer resides, or at least that’s what’s imagined of someone who works in a ship. This may be a true story to many of our seamen and seawomen. But things have not always been like that, especially during the pandemic, where a lot of people lost their livelihoods, and a lot of transactions got halted, including many businesses that rely on shipping and transportation. Medical evaluation requirements have been rampant, but it is not really just the additional requirements that make it extra challengin ..read more

Non-bank lending companies are the best options for taking a loan. The process is quicker, and the requirements are less strict. Before you step into the banks or dealership to file your application and get stressed out by the complicated procedure, you better go straight to these online lending companies and finish earlier. We know that finding the most trusted online lender can be a hassle for some, so we already listed five of the top car collateral loan providers for you to check out. Asialink Finance Corporation Asialink Finance Corporation becomes the foremost online lending institution ..read more

The year was ravaged by calamities both natural and man-made. Yes, ravaged. Production all over the world came to an almost complete halt, typhoons everywhere, volcanic eruptions. It’s almost as if it’s never going to end, but at least the year is ending so it IS over… right? Well we all wouldn’t want to be pessimistic but to just assume all is going to go just fine once we firework the hell out of the bad vibes of this year and proceed with the new one. Putting up a new calendar on the wall and starting with a fresh new page does not necessarily mean things are also about to turn over a new ..read more

You have the car but you don’t have the cash so what to do? You can sell your car for one and with it, it’s sentimental value to you, the ease of transport it offers, and reassurance that you wouldn’t have to do another long and expensive process of buying for your new ride once you have the funds to purchase a new one. You can opt to trade all of these OR you can just apply for a Sangla ORCR, trade your car registration for quick cash and hold on to your car for the entire duration of the payment term. Great, huh? But one question you’re probably asking yourself right now is; what are the va ..read more