Whether commuters or the public transport operators like it or not, change is upon the transportation scene in the Philippines. The awful traffic in Manila coupled with its prehistoric Public Utility Vehicles (PUV) have been the cause of suffering for all commuters. Not only are these vehicles causing a lot of inconvenience to the public, but are also a threat to their health and the environment. This initiative aims to improve the quality of life of the riding public and has been in the government’s to-do list for a long time now. However, it’s been consistently pushed under the rug because ..read more

In the intricate dance of financial choices, there comes a time when our monetary rhythm needs a new beat. Whether it’s an unforeseen expense or a planned investment, understanding the nuances of obtaining a personal loan is crucial. This guide aims to break down the complexities, providing you with a practical approach to making informed financial decisions. Understanding your financial canvas Before embarking on the loan application journey, conduct a thorough self-assessment of your financial standing. Scrutinize your income, meticulously evaluate your expenses, and tally up your existing ..read more

The Pasig River Ferry Service, operated by the Metropolitan Manila Development Authority (MMDA), stands as a unique water-based transportation system within Metro Manila. With the constant traffic jams on the roads in  the metro, this ferry service provides commuters with an alternative mode of transport, aiming to alleviate road congestion. Efficient fleet and route As of today, the Pasig River Ferry Service operates with a fleet comprising four boats capable of accommodating up to 52 passengers each, and one boat with a capacity of 36 passengers. This fleet efficiently traverses the ro ..read more

Every time you watch a movie, you’re probably subjected to a million ads for new condo developments all over the metro (and the country) before the trailers even start. It seems like there’s a development for every sector, from yuppies looking for condos in the city center to retirees looking for a quiet place to relax. But how do you know if you’re financially ready to buy a house? You should look beyond your bank account and the price of the house. Here are the six things you need to consider before you even start meeting with real estate agents and dreaming about your new condo lifestyle ..read more

Ever wondered if there’s a financial tool that could be your ticket to turning dreams into reality? Let’s explore the world of loans and how they might just be the secret key you’ve been looking for. It’s like having a map to uncharted territory – all you need to do is take that first step and consider what a loan can do for you. Now, let’s explore the world of loans and how they can help you realize your financial goals. Why you should go through with that loan application 1. Investing in your future Loans, when used wisely, can be a significant investment in your future. Whether it’s an edu ..read more

Credit cards over the past few decades have accumulated a bad reputation. The media has in some way resented the way it operates and gave out opinions on why one should not get a credit card. You may have even heard from your parents that getting credit cards will not help you in any way. Well, here are some benefits you are getting from a credit card. 1. Safety reasons Nowadays, even bringing ₱5, 000.00 in your wallet is considered unsafe in the modern metro. You will never know when a thief would strike. With a credit card, you can just use it as a substitute for cash. 2. Credit cards can b ..read more

Shopping is like a combination of math and science, they come with patterns and formulas which can be deciphered; just like how sales and promotions follow a cycle. Awareness of the trends that influence these cycles will help you determine when it’s best to shop. The current economic conditions actually give consumers an advantage as retailers will be eager to hit their sales targets by offering more bargains. With a prudent spending strategy, Filipinos can plan ahead and get more value for their pesos. Knowing when and what to buy are the keys to saving money on your purchases. The seasons ..read more

In partnership with The financial landscape is rife with challenges for those planning to use loan services. While banks in the Philippines do offer loan services, most Filipinos may prefer more accessible options provided by other loan providers within their community. In recent years, many online loan providers have also been promoting their services in the Philippines. Online lending, while offering accessibility, often subjects borrowers to exorbitant interest rates and unfair debt collection practices.  If it is your first time as an employee applying for a loan, which loan provide ..read more

In the unpredictable currents of life, emergencies can hit us without warning. When financial storms loom, an emergency loan can be a lifeboat, providing the crucial support needed to weather the crisis. Let’s walk you through what emergency loans are all about and offer a comprehensive view on securing financial assistance during urgent times. Research and compare Before diving in, assess the various lenders offering emergency loans. Understand their interest rates, repayment terms, and eligibility criteria. A well-informed decision is your first step towards a secure financial rescue. Pro ..read more

According to the most recent research conducted by the PSA (Philippine Statistics Authority – formerly known as National Statistics Office), there has been a decrease in the middle-income class and an increase in the lower-income class in the Philippines. Only 3 out of 20 households now belong to the middle-class population, with 3 out of 5 of them residing in urban areas. The middle class functions within the gap between the poor and the rich, and based on these findings, that line appears to be thinner than many of us perceived. The middle class is essentially defined as the socioeconomic g ..read more