No More One Day Millionaire This 2017

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Do you know the term ‘one day millionaire’? 

Manage your money wisely when you earn your first paycheck and don’t give in to that one-day splurge habit so that you’re not crawling your way to the next paycheck.

According to Bangko Sentral ng Pilipinas, Filipinos receive large amount each year from OFW padala. But why do most Filipinos still feel as if money is scarce?

It’s about time to change old habits and end the cycle of mismanaged finances. We’ve listed down five helpful tips to be more financially responsible this year:

1. Budgeting 

As OFWs send money hassle-free anytime and anywhere in the world withMoneyGram’s global network of approximately 350,000 locations in 200 countries and territories worldwide, relatives back home must learn to allocate the padala accordingly.

Know where your money is going. The classic formula of Income – Savings = Expenses would come in handy. Decide how much you’d like to save before listing down all your expenses. It’s best to write it down on a spreadsheet or use the envelope method to ensure you don’t dip your hands into money allotted for other categories.

2. Credit Cards: On Interests and Debts

Credit cards should be used for convenience, not to make ends meet. They are actually handy as they eliminate cash transactions and offer great rewards, however, just be sure that you can pay the bill in full, otherwise, it will incur interests and cause you to get into debt. If you can’t pay for it in full, it means you are living beyond your means.

3. Necessity or Luxury

When purchasing something, always ask yourself --- is it a necessity or a luxury? For example, you might need a place to live, but you don’t need a mansion unless you can pay for it in cash. Or purchasing a phone in a financially responsible manner means being able to pay for it in cash. Consider purchasing a refurbished phone for a cheaper upgrade. If you’re having difficulty paying for these financial guidelines, but would still like to buy the more expensive one, ask yourself “why?”. If the reason is because everyone has it, do keep in mind that your neighbors are not the one paying for your bills, so they should not dictate your choices nor your standard of living.

4. Pay Yourself First

Spending every centavo of your paycheck is not being financially responsible. A good principle is to pay yourself 10% in savings before you pay your bills. You can also opt to invest in stock market to get higher returns. This will involve risks so make a calculated one at that and have a plan. Banks generally offer a wide range of products for you to choose from. Try asking if your employer has a sponsored savings plan available. Most plans match your contribution up to a certain percentage, so by contributing at least enough to get the match, you’ll earn a guaranteed return on investment (ROI). 

5. Emergency Fund

Being financially responsible means being prepared for the unexpected. Most experts agree that you need to be able to support yourself at least 6 months without an income. If you are living with dual incomes, make sure you can pay for bills and utilities on one income or even neither income! If a missed paycheck will ruin you financially, it is high time to create a plan to prevent this.

Ultimately, being financially responsible is living within your means and doing what you have to do to take care of your needs and the needs of your family. So evaluate your earning and spending habits and make the necessary adjustments to put yourself on a responsible footing.

About MoneyGram International, Inc.

MoneyGram is a global provider of innovative money transfer and payment services and is recognized worldwide as a financial connection to friends and family. Whether online, or through a mobile device, at a kiosk or in a local store, we connect consumers any way that is convenient for them. We also provide bill payment services, issue money orders and process official checks in select markets. In 2016 MoneyGram received the “Remittance Product of the Year” award from The Asian Banker. More information about MoneyGram International, Inc. is available at moneygram.com

Sources:

1. ADB Economics Working Paper Series

2. BSP: Overseas Filipino Remittances

3. 2015c. Monthly and Quarterly Remittances Flows to Selected Countries. Washington, DC: World Bank.

Midea technology : All the unexpected features for your expected needs at home

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The home is where the word comfort is probably felt the strongest. It is a space where its residents can truly loosen up and relax their tensed bodies after a day’s worth of work. It is also where people can really have enjoyment in cooking and eating their food, because it is where they probably tasted their favorite food from their parents’ cooking. The word home has served as more than just a space of comfort and sustenance, it has always been a reason for people to do better in life— in a way making the home better.

One way of making the home better is by filling it in with appliances that could make the home life easier, especially with the chores. While people try to get the most convenient and easy to use equipment. They also tend to get those items that looks good in the space it takes up. Midea, the world’s leading manufacturer of consumer appliances, understands the need for having home solutions that both satisfies form and function that provides surprisingly friendly solutions. With top-notch technology and stylish looks, Midea appliances could also easily get a space in anybody’s home.

One of which is Midea’s Induction Cooker that has a sleek design which gives it a stylishly futuristic look. It could sit lavishly on any kitchen counter top and don’t take that too much space— perfect for those living in condominium units. It is a common notion that induction cookers need specialized pans to cook food, but the truth is, as long as a magnet will stick to your pan there is no need to buy new sets of cookware to use Midea’s Induction Cooker.

It is also easier to control the temperature of the pan, unlike with its predecessors – the gas stoves and other electric cooktops. It is easier to clean because the food only gets cooked in the pan and not on the cooker. At the same time, it won’t burn your hands or fingers, because of its flameless heating and Auto Safe shut off feature that automatically cools off the cooker. It is safe, efficient, and stylish all in one.

And when the going gets tougher every day, and cooking food faster is becoming a challenge, what is usually done is putting leftover food in the microwave oven, and doing a replay of a meal a family already had. What homemakers don’t know was they can actually cook or even bake meals in the microwave oven. With just a few quick adjustments with the settings, Midea’s lineup of Mechanical and Digital Microwave Ovens could cook meals faster than the conventional way of doing it in a pan.

This suits well to those who are always on the go, and didn’t have that much time to prepare their food, or, to those who need to prepare a feast real quick before their guests arrive. Aside from saving time for other things, cooking with the microwave oven makes every meal healthier, because quick cooking locks in more nutrients in the food and because it is not necessary to use oil, the food cooked in the microwave oven has 10% less fat compare to conventional frying.

When it is already time to cool down coming home from work and a hearty meal, Midea has a lineup of Non-Inverter and Inverter Split Type Aircon. One of the common challenges in trying to own an aircon unit is the fear of having some insanely high cost on the electric bill. Midea responds to these challenges with their expertise and advance aircon technology.

Consumers can enjoy the benefits of having an aircon for a longer time without that big cost on the bill with Midea’s Eco Mode feature and DC Inverter Technology. This allows the user set their desired temperature, while Midea does the rest on saving up on energy maintaining the ideal temperature throughout its use. Plus, the consumers won’t need to worry about the noise while they sleep, because Midea added a Quiet Mode feature in its aircon and keep its operation silent.

And another great thing, Midea gives its customers Installation Subsidy to save more on the cost of owning an aircon, given that it will be done by an authorized installer. This is just one of the reasons that makes Midea lead in the after sales warranty category in the Philippine market. 

Midea prides itself in providing a 5-year warranty for its compressor, which only shows their confidence with the quality of their products. And what’s even more amazing is how these air-conditioning units would look good in any room.

Midea will always be at the forefront of improving their products through extensive research and constant innovation with how they manufacture their technology. This expertise in providing surprisingly home friendly solutions with high quality functionality also meets the consumers’ tasteful eye for style by making these products an appliance to behold on any wall or kitchen counter top.

For more information on Midea’s products check out their website at http://midea.com.ph and Facebook page https://www.facebook.com/Midea Philippines.

Mark your calendars as McDonald’s invites you to its 5th National Breakfast Day on March 13!

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Set yourself up for a great morning with the 5th National Breakfast Day happening on March 13! Mark your calendars for McDonald’s biggest National Breakfast Day yet!

McDonald’s invites you to have the ‘best Monday ever’ by stopping by your nearest participating McDonald’s restaurant from 6:00 AM to 7:00 AM.

This year, close to 450 participating restaurants nationwide will be giving away free breakfast sandwiches via dine-in, takeout, or drive-thru. Each customer can either get an Egg McMuffin, a Sausage McMuffin, or McDonald’s newest breakfast offering, the Burgerdesal.

Burgerdesal 

The Burgerdesal is McDonald’s twist on a Filipino staple - the pandesal. The Burgerdesal is made with a soft pandesal, paired with a tasty burger patty and is topped off with a sweet, creamy, and flavorful sauce. 

Other breakfast sandwiches that will be given during National Breakfast Day include the iconic Sausage McMuffin, a juicy and savory all-beef sausage with melty American cheese finished off with perfectly toasted English Muffins and the classic Egg McMuffin, made with lean Canadian bacon, American cheese, and Grade A egg in between English Muffins.

Sausage McMuffin

Egg Mc Muffin

“As we enter the 5th National Breakfast Day, we want our customers to know that they can count on us to make their mornings extraordinary,” says Kenneth S. Yang, McDonald's Philippines President and Chief Executive Officer. “We hope that this one-of-a-kind breakfast experience will provide Filipinos with a warm and happy smile on their faces that will keep them going throughout the day.”

Don’t forget to mark your calendars for the biggest National Breakfast Day yet. 

Share your National Breakfast Day experience and tag @McDo_PH on Instagram, Twitter and Facebook with the hashtag #NationalBreakfastDay. 

For more details, please visit www.mcdonalds.com.ph

John Herrera wins Britain’s Top Designer Competition for a collection digitally-printed by Epson

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Epson congratulates fashion visionary and designer John Herrera for his win at Britain’s Top Designer 2017 at London Fashion Week.

“We would like to congratulate John on his recent win at Britain’s Top Designer competition. Epson is truly happy to have supported this achievement through digital textile printing. We hope that this inspires more fashion designers to make their vision into a reality,” shared Ed Bonoan, Senior General Manager and Marketing Head, Epson Philippines.

The winning collection, a result of the collaboration between John and Epson, is inspired by the Aguila, the protected Great Philippine Eagle.

Fashion Visionary and Designer John Herrera

“The feedback from the judges was fantastic – particularly about the incredible quality of the fabric. One said that the eagle designs that I had drawn and printed were so clear and crisp they appeared almost 3D. Digital printing with Epson technology has enabled me to experiment with fabrics and choose the very best for my designs. It’s been a dream of mine – and most designers in fact - to be in control of the whole design process: from producing the fabric design, to choosing the fabric and printing it and creating the finished outfit. Epson has enabled me to realize this dream and I’m not going back now,” said John Herrera.

John’s runway collection was first unveiled in the Philippines last 1 February 2017 for an exclusive show for local journalists, Epson executives, partners, celebrities and several representatives from the fashion industry.

*https://www.youtube.com/watch?v=oMRu1CWT6J8

Here's “Route to Wellness” as Robinsons Supermarket invites everyone to “Explore Wellness” to reach a healthy lifestyle destination

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Be healthy, be fit and enjoy life to the fullest! Health and wellness is our everyday priority for ourselves, and for our family.

Those who want to make healthy living their goal this year are in for an adventure as Robinsons Supermarket takes them on an exciting journey, with health and wellness as the ultimate destination.

The country’s largest healthy retail supermarket chain has launched this year’s “Route to Wellness” campaign by inviting everyone to fasten their seatbelts for a fun-filled wellness journey with "Explore Wellness", the first of five promo events to look forward to.

At the Eastwood Mall Open Park, media and customers were invited to the “Explore Wellness” event where they sampled products and tried different activities from Unilever, Kojie-San, Selecta, and CDO Premium; and availed of discounted products and freebies from P&G, Coca-Cola, and Belo. 

#ExploreWellness2017

https://www.instagram.com/p/BRORhWRAJIU/

Customers can get a 3-style bag for free for a minimum single receipt of Php3,000, inclusive of PHP 500.00 worth of participating products from Unilever, Procter & Gamble, Coca-Cola, Kojie-San, Belo, Nestle, Selecta, CDO Foodsphere, Splash Corporation, Unilab and Cosmetique Asia. 

The 3-style bag can be used as shoulder bag, backpack and cross bag. It is also available in 5 colors: pink, gray, purple, army green and dark gray. Promo period is from March 1 to April 30, 2017.

The Route to Wellness year-long campaign is a testament to Robinsons Supermarket’s continuous commitment to strengthening its “We Love Wellness” advocacy that enables it to provide healthier food options and alternatives to Filipino families.

Get ready to live a healthy lifestyle. Avail of a Wellness passport today and take-off on an ultimate journey to health and wellness by taking part in Robinsons Supermarket’s exciting and rewarding promos.

Stay updated on the various activities that Robinson's Supermarket has in store and learn more about its “Route to Wellness” campaign by liking it on Facebook at www.facebook.com/RobinsonsSupermarketOfficial or visiting its official website at www.robinsons-supermarket.com.ph.