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20 Tips To Use Google Search Efficiently

Sourced Joseph Hindy  | April 1st 2015

Google Search tips

Millions of people use Google search every day for a variety of reasons. Students use it for school, business people use it for research, and millions more use it for entertainment. Did you know that you may not be using Google search to its full potential? Here are 20 tips and tricks to maximize your search efficiency.

1. Use the tabs

The first tip is to use the tabs in Google search. On the top of every search are a number of tabs. Usually you’ll see Web, Image, News, and More. Using these tabs, you can help define what kind of search you need to do. If you need images, use the Image tab. If you are looking for a recent news article, use the News tab. It’s rudimentary and most people use the tabs already. If you are not, then it’s highly recommended to get associated with them. They can cut search times dramatically if utilized properly.

2. Use quotes

When searching for something specific, try using quotes to minimize the guesswork for Google search. When you put your search parameters in quotes, it tells the search engine to search for the whole phrase. For instance, if you search for Puppy Dog Sweaters, the engine will search for content that contains those three words in any order. However, if you search “Puppy Dog Sweaters”, it will search for that phrase exactly as you typed it. This can help locate specific information that may be buried under other content if not sorted out correctly.

3. Use a hyphen to exclude words

Sometimes you may find yourself searching for a word with an ambiguous meaning. An example is Mustang. When you Google search for Mustang, you may get results for both the car made by Ford or the horse. If you want to cut one out, use the hyphen to tell the engine to ignore content with one of the other. See the example below.

  • Mustang -cars

This tells the search engine to search for mustangs but to remove any results that have the word “car” in it. It can be wildly helpful when finding information about something without getting information about something else.

4. Use a colon to search specific sites

There may be an instance where you need to Google search for articles or content on a certain website. The syntax is very simple and we’ll show you below.

  • Sidney Crosby site:nhl.com

This will search for all content about famous hockey player Sidney Crosby, but only on NHL.com. All other search results will be removed. If you need to find specific content on a particular site, this is the shortcut you can use.

5. Find a page that links to another page

This Google search tip is a little obscure. Instead of searching for a specific page, you’re searching for a page that links to a specific page. Think about it this way. If you want to see who cited a New York Times article on their site, you would use this trick to find all the sites that link to it. The syntax is below.

  • link:nytimes.com

That will return all pages that link to the New York Times official website. The URL on the right side can be practically anything. Be aware, though, that the more specific it is, the fewer results you’ll get. We know not a lot of people will likely use this Google search trick, but it could be very useful for some.

6. Use the asterisk wildcard

The asterisk wildcard is one of the most useful ones on the list. Here’s how it works. When you use an asterisk in a search term on Google search, it will leave a placeholder that may be automatically filled by the search engine later. This is a brilliant way to find song lyrics if you don’t know all the words. Let’s look at the syntax.

  • “Come * right now * me”

To you or me, that may look like nonsense. However, Google search will search for that phrase knowing that the asterisks can be any word. More often than not, you’ll find they are lyrics to The Beatles song “Come Together” and that’s what the search will tell you.

7. Find sites that are similar to other sites

This is a unique one that could be used by practically everyone if they knew it existed. Let’s say you have a favorite website. It can be anything. However, that website is getting a little bit boring and you want to find other websites like it. You would use this trick. Below is the syntax.

  • related:amazon.com

If you search that above, you won’t find a link to Amazon. Instead, you’ll find links to online stores like Amazon. Sites like Barnes & Noble, Best Buy, and others that sell physical items online. It’s a powerful Google search tool that can help you find new sites to browse.

8. Use Google search to do math

As a college student, I can attest that I use this one rather frequently. Google search can actually do math for you. This is a rather complex one to describe because it can be used in so many ways. You can ask it basic questions or some more difficult ones. It is important to note that it won’t solve all math problems, but it will solve a good number of them. Here are a couple of examples of the syntax.

  • 8 * 5 + 5
  • Planck’s Consant

If you search the first one, it’ll return 45. It will also show a calculator that you can use to find answers to more questions. This is handy if you need to do some quick math but don’t want to do it in your head. If you search the second term, it will return the number value of Planck’s Constant. So it can do math, but it can also help you solve math problems by showing values for known mathematical terms.

9. Search for multiple words at once

Google search is flexible. It knows you may not find what you want by searching only a single word or phrase. Thus, it lets you search for multiples. By using this trick, you can search for one word or phrase along with a second word or phrase. This can help narrow down your search to help you find exactly what you’re looking for. Here is the syntax.

  • “Best ways to prepare for a job interview” OR “How to prepare for a job interview”

By searching that, you will search both phrases. Remember the quotes tip above? It’s being used here as well. In this instance, these two exact phrases will be searched. It can be done by word too, like the example below.

  • chocolate OR white chocolate

This will search for pages that have either chocolate or white chocolate!

10. Search a range of numbers

Searching for a range of numbers is another tip we don’t anticipate a lot of people using. The people that do use it, though, will probably use it quite a bit. People interested in money or statistics will find this tip particularly useful. Essentially, you use two dots and a number to let Google search know you’re looking for a specific range of numbers. Like the syntax below.

  • What teams have won the Stanley Cup ..2004
  • 41..43

In the first instance, the search will toss back the team that won the Stanley Cup in 2004. The two dots with only one number will tell the search that you don’t need anything before or after 2004. This can help narrow down searches to a specific number to improve search results. In the second, Google will search for the numbers 41, 42, and 43. It is obscure, but wildly useful if you happen to need to search for numbers like this.

11. Keep it simple

Now we’re getting into the general tips. Google search knows how to search for a lot of things. What this means is you don’t need to be too specific. If you need a pizza place nearby, use this to search.

  • Pizza places nearby

Google search will grab your location and deliver a variety of results about pizza places that are near you.

12. Gradually add search terms

There will come a time when Google search doesn’t shovel out the results you expect. In this instance, keeping it simple may not be the best option. As Google itself suggests, the best method is to start with something simple then gradually get more complicated. See the example below.

  • First try: job interviews
  • Second try: prepare for job interviews
  • Third try: how to prepare for a job interview

This will gradually refine the search to bring you fewer, more targeted terms. The reason you don’t go straight from the first try to the third try is because you may miss what you’re looking for by skipping the second step. Millions of websites phrase the same information in a number of different ways; using this technique lets you search as many of them as possible to find the best info.

13. Use words that websites would use

This is a very important one. When people use Google search to hunt the web, they generally search for things using the same language that they would use for speaking. Unfortunately, websites don’t say things the way people do; instead, they try to use language that sounds professional. Let’s look at some examples.

  • “I have a flat tire” could be replaced by “repair a flat tire.”
  • “My head hurts” could be replaced by “headache relief.”

The list goes on and on. When searching, try to use terminology you would find on a professional website. This will help you get more reliable results.

14. Use important words only

The way Google search works is to take what you search for and match it with keywords in online content. When you search for too many words, it may limit your results. That means it may actually take you longer to find what you’re looking for. Thus, it is apropos to use only the important words when searching for something. Let’s see an example.

  • Don’t use: Where can I find a Chinese restaurant that delivers.
  • Instead try: Chinese restaurants nearby.
  • Or: Chinese restaurants near me.

Doing this can help Google find what you need without all the clutter. So remember, keep it simple and use important words only.

15. Google search has shortcuts

A number of commands can be entered to give you instantaneous results. Like the math example above, Google can immediately give you the information you need that is displayed right at the top of the search results. This can save time and effort so you don’t have to click a bunch of bothersome links. Here are a few examples of some commands you can enter into Google.

  • Weather *zip code* – This will show you the weather in the given zip code. You can also use town and city names instead of area codes, but it may not be as accurate if there are multiple area codes in the city.
  • What is *celebrity name* Bacon Number – This is a fun little one that will tell you how many connections any given celebrity has to famed actor Kevin Bacon. The popular joke, Six Degrees of Kevin Bacon, is that no actor is more than 6 connections away from Kevin Bacon. Mark Zuckerberg has a Bacon Number of 3.
  • The math example posted above is another one.
  • What is the definition of *word* or Define: *word* – This will display the definition of a word.
  • Time *place* – This will display the time in whatever place you type in.
  • You can check any stock by typing its ticker name into Google. If you search for GOOG, it will check the stock prices for Google.

These quick commands can take a web search that is usually multiple clicks and condense it into a single search. This is very helpful for information you need repeatedly.

16. Spelling doesn’t necessarily matter

Google search has gotten a lot smarter over the years. These days, you don’t even need to spell words correctly. As long as it’s pretty close, Google can usually figure out what it means. Here are some examples.

  • If you search “Nver Gna Gve Yo Up” Google will automatically assume you mean to search for “Never Gonna Give You Up.” If by chance your misspelling was intentional, Google gives you the option to search for the misspelled term instead.

This trick is great if you happen to forget how to spell something or are not altogether sure how something is spelled. It can also be helpful when searching for obscure words. This applies to capitalization and grammar as well.

17. Use descriptive words

Pretty much everything can be described in multiple ways. Take our namesake, the “life hack.” The terminology “hack” refers to a computer programmer breaking security on a network or system. However, when used in conjunction with the word “life”, it alters the meaning to tips and tricks people can use to improve their lives. If you have trouble finding what you’re searching for, keep in mind that people may search or define what you need in a different way than you do.

  • You may search “How to install drivers in Ubunut?”
  • When you really mean “Troubleshoot driver problems Ubuntu.”

There really isn’t a good specific example for this one. If you search for something and you can’t find an answer, try asking the same question using different words and see if that helps the results.

18. Find a specific file

An often forgotten feature of Google search is the ability to search for a specific file or file type. This can be infinitely useful if you need a specific PDF or PowerPoint file that you previously viewed or need to use for another project. The syntax is quite simple.

  • *Search term here* filetype:pdf

In the above example, you simply replace the search term with whatever you’re searching for. Then use the filetype command and enter the extension of any file type you can think of. This can mostly be useful for scholarly purposes, but business presentations and other assorted presentations can benefit from this kind of search as well.

19. Money and unit conversions

Google search can quickly and accurately convert both measurement units and currency value. There are a variety of uses for this, like checking to see the conversion rate between two currencies. If you happen to be a math student, you can use it to convert from feet to meters or from ounces to liters. Here’s how to do it.

  • miles to km – This will convert miles to kilometers. You can put numbers in front to convert a certain number. Like “10 miles to km” will show you how many kilometers are in 10 miles.
  • USD to British Pound Sterling – This will convert a US dollar to British pounds. Like the measurements above, you can add numbers to find exact conversions for a certain amount of money.

It’s true that this tip is geared toward math students and international business people. However, you’d be surprised how often these tips are used by regular people.

20. Track your packages

Our last trick is to use Google search to find out where your packages are. You can enter any UPS, USPS, or Fedex tracking number directly into the Google search bar, and it’ll show you the tracking information about your package. This is much easier than going to the specific sites, waiting for them to load, then searching for your packages there. No examples are really needed for this one. Just type your tracking number in and see where your package is.

Google Search wrap-up

Google search is a very powerful search tool. Using the tips outlined above, you can find anything and everything you could ever need on the World Wide Web. Whether it’s avoiding Wikipedia for a school essay project, finding the latest stock prices, or even finding song lyrics, there is a way to make Google search work for you.

6 habits that will keep you poor for the rest of your life

Sourced Kuza Blog  | April 1st 2015

Poverty ball

You were born poor, but if you die poor you have yourself to blame. Before you finish reading this article, at least 8 out of 10 people will have done something that contributes to their future poverty. Only 2 out of 10 will have done what is required to remain prosperous in the future. The question you need to ask yourself today is, “I’m I among the lucky 2 or the not-so-lucky 8?”
Here are 6 habits that could easily draw your route-map to a life of perpetual poverty.

1.You focus on linear income instead of passive income

 Most people focus on linear income in the name of salary, allowances and one-off payments. Wise men on the other hand focus on passive income in the name of royalties, interest rates, value addition and profit.
Relying on linear income is similar to using buckets to fetch water from the river. With time, you’ll get too old and too tired to transport them to and fro and that means you’ll have to starve for as long as you don’t go to the river.
buckets
Relying on passive income on the other hand is similar to building a pipeline. It may require a lot of work at the beginning but with time, you’ll no longer have to go to the river to get water – the river will come to you and you’ll not starve.
This is the most fundamental principal of wealth creation that most (including you) are oblivious about.
2.You’re still waiting to start your journey of success
Everyone wants to succeed but very few people are willing to step into the cold waters. Do you see the problem here? In the history of the world, no marathon race has ever been won (or even finished) by someone who never left the starting line.
As you’re stuck saying that you have no enough capital to start, someone else is busy making good use of whatever little they have.
As you’re busy lamenting that there are no business ideas, someone else is busy sharpening his innovation claws.
When you’re busy complaining about a problem in your society, someone else is busy thinking how to start a business that solves that problem.
Continue waiting at the starting line and poverty will soon find you there to keep you company.
3.When you earn more you spend more
money-money
Consistently raising your expenditure is a good way to accumulate debt and to remain stuck in the echelons of poverty. To stay out of bad debt, you will either need to find a way to earn more or spend less. The first and best option is to find ways to earn more and keep your expenditure constant.
As you know this can only be done by creating multiple streams of income and lot’s of thinking is necessary in that case.
The second option is to simply cut on unnecessary expenses. The money that is saved from these budget cuts could be used for embarking on future investment programs.
4.You complain instead of committing
“Life is too expensive”; “It’s hopeless; I’ll never get out of debt”; “I don’t earn enough money.” Have you ever uttered any of these statements before, or perhaps all of them? Old habits die hard; however, as long as you do nothing to change; then you and your coming generation have a direct ticket to the land of poverty.
Stop complaining and making lame excuses. Instead, take responsibility for your non-productive habits and focus on changing them – then do it!
5.You live for today, hoping tomorrow will care about its worries
In the 1950s a scientist from Harvard University studied the reasons for upward socio-economic mobility. He wanted to know how comes some generations get wealthier while others get poorer. All his research brought him to a single factor that he concluded was more accurate than any other thing in predicting success – he called it “The Time Pespective”.
clock
Time perspective is basically how far you project into the future when you make a decision today. An example of a long-term perspective is when a wise family man buys land or insurance for their child, even though he or she will not need it for the next eighteen years. This is a long-term approach that involves sacrificing in the short term to assure better outcomes in the long-term.
Most people remain poor because their “time perspective” is focused on short-term goals such as meeting basic lifestyle needs, buying luxury items, paying rent etc…are you one of them?
6.You just don’t get it!
The problem is that you keep learning but you don’t get it. You’re educated but you’ve never internalized what your teachers told you. You have knowledge but you don’t want to think too hard how to use it. You’re still stuck at the starting line all along because you don’t want to start small and grow bit by bit from there. You’re still stuck in the lottery mentality hoping that one day you’ll wake up and voila! discover “the newest, incredibly easiest way to get wealth.”
Final Word
Most people remain poor, not because they don’t have the knowledge. Not because they don’t read PNGS Blog and other business-related articles. But because they don’t LEARN BY DOING. They just don’t get it!
Being wealthy and prosperous requires more than just physical ownership. It is a state of happiness, well-being while wishing the same for others. So while you are working to escape from poverty, remember to be happy along the way!

Preparing your family for an earthquake

Sourced Rappler  | March 29th 2015

Preparing your family for an earthquake

“Safety must start from homes” .

MANILA, Philippines – Is the Philippines ready for a big earthquake?

With the country surrounded by various active faults and trenches, earthquakes – whether weak or strong – are expected to occur. (READ: Strongest earthquakes in the Philippines)

In fact, a 2004 study conducted by Philippine Institute of Volcanology and Seismology (Phivolcs), the Metropolitan Manila Earthquake Impact Reduction Study (MMEIRS) found out that a magnitude 7.2 earthquake could destroy 40% of the buildings and could kill about 30,000 – 40,000 people in Metro Manila – the country’s business hub and where government agencies are located.

While schools and offices in different parts of the country conduct earthquake drills regularly, these are focused on what the public and the government should do during and after an earthquake. (WATCH: LIVE: #OplanPagyanig: National Earthquake Drill)

But what are the ways to prepare for it?

On Thursday, March 26, MovePH, Rappler’s civic engagement arm, held a #ZeroCasualty conversation on Facebook to discuss earthquake preparedness and safety with guests from Phivolcs and Red Cross.

In a country prone to geological hazards, Phivolcs stressed the importance of preparedness, which should start within the family.

“Safety must start from homes. A family should discuss and have a plan as to what they should do in case of an earthquake,” the agency said.

Here are some ways on how families can be prepared for the “big one.”

  • Know the earthquake hazards in the area
  • Be conscious of the structural integrity of the house
  • Set up furniture and appliances in a way that they will not topple when there is a strong ground shaking
  • Prepare emergency bag/kit for each member of the family

Below is a Phivolcs infographic on what to do before, during and after an earthquake strikes

Earthquake awareness infographic

While earthquakes in general, cannot really be predicted, the risks it poses can be reduced by avoidance through proper planning, according to Phivolcs.

The Key Differences Between a Commercial Bank, SSS, and Pag-IBIG Housing Loans

Sourced imoney.ph  | March 3rd 2017

The Key Differences Between a Commercial Bank, SSS, and Pag-IBIG Housing Loans

For many of us, our ultimate dream is to stop renting and purchase our own home. Unfortunately, the majority of us do not have enough money to pay for our entire house in cash. That’s where a home loan comes in. Buying your first home is a major investment, and applying for a housing loan is something that you should approach with care and thought.

The first step in your home buying journey is to use a mortgage calculator. It’s usually a free, online tool that will help you determine how much financing you could qualify for. After you have an idea of how much financing you will need, it’s time to pick a lender.

When we think of a housing loan three products come to mind: a Pag-IBIG housing loan, a SSS housing loan, and a commercial bank housing loan. Since your home is one of the largest purchases you will make during your lifetime, it’s important to pick a financing option that best suits your current lifestyle. Deciding which financing option to choose from may seem like a daunting task, but we’re here to help. Below is an in-depth description of each housing loan option, as well as a comparison chart to help you pick the home loan option that is best for you.

Pag-IBIG Housing Loan

The Home Development Mutual Fund (HDMF), or the Pag-IBIG Fund is a national savings program that was created to provide affordable home loans for Filipinos. A Pag-IBIG house loan can be used to purchase a brand-new property, fully developed or adjoining lots that do not exceed 1,000 square meters, a residential house and lot, condominium, or townhouse. You can also use a Pag-IBIG house loan to complete construction, or refinance your current home.

With a Pag-IBIG housing loan you can obtain financing up to ₱6,000,000.00, and get a maximum repayment term of 30 years. The amount you are approved for will depend on your need, capacity to pay, and loan-to-appraisal value ratio.

The Pag-IBIG loan-to-appraisal value ratio is as follows:

Loan Amount Appraised Value
Up to ₱400,000.00 100% of the home amount can be financed through Pag-IBIG
From ₱400,000.00 – ₱1,250,000.00 90% of the home amount can be financed through Pag-IBIG
From ₱1,250,000.00 – ₱6,000,000.00 80% of the home amount can be financed through Pag-IBIG

Perhaps one of the most attractive aspects of a Pag-IBIG loan is the affordability of the program when compared to other products on the market. You can use this Pag-IBIG Fund Housing Loan Affordability Calculator to get an idea of how much you will be able to borrow based on your income, repayment term, fixed pricing period, and the estimated value of the property you are interested in.

To qualify for a Pag-IBIG house loan you must be a Pag-IBIG member, and must have 24 monthly contributions under the “Pag-IBIG Membership Program.” If you have not made 24 contributions, you have an option to pay 24 months as a lump sum to qualify for the program. In addition, you must not be over the age of 65, cannot have any existing Pag-IBIG housing loan, and cannot have any outstanding multi-purpose loans. You also must not have any previous Pag-IBIG loans that were foreclosed on, cancelled, or bought back due to default. You can get approved for your Pag-IBIG housing loan in as little as 16 working days, if you submit all of the necessary paperwork.

Related Article:How to process a PAG-IBIG loan the step-by-step guide?

SSS Housing Loan

The Social Security System (SSS) Housing Loan, was built to provide working Filipinos with low-cost housing, home loan assumption, and home improvements. An SSS Housing Loan is issued by the Social Security System, a state-run social insurance program. SSS Housing Loans are not as common as Pag-IBIG Housing loans, but still carry many benefits.

You can use a SSS Housing Loan to purchase a lot and construct a new house; purchase an existing residential unit such as a house and lot, condominium, or townhouse; or to construct a new house on a lot that you own which is free from encumbrances and liens.

With an SSS Housing Loan you can borrow up to ₱2,000,000.00, but the actual amount you are granted is based on the lowest of the following:

  • Appraised value of collateral totaling at least 70% but not over 90%.
  • Your capacity to pay.
  • Your need based on the type of work you wish to complete and materials evaluated by the SSS.

Your loan repayment term can be repaid in multiples of five years, with a maximum repayment term of 30 years. Interest rates vary with an SSS Housing loan between 8.0% per annum and 11% per annum as outlined below.

Loan Amount Interest Rate
Up to ₱450,000.000 8.0% per annum
From ₱450,000.00 – ₱1,000,000.00 9.0% per annum
From ₱1,000,000.00 – ₱1,500,000.00 10.0% per annum
From ₱1,500,000.00 – ₱2,000,000.00 11.0% per annum

To qualify for a SSS Housing Loan you must be a member of the SSS, be a member of a registered workers’ organization, have at least 36 months’ premium contribution and 24 continuous contributions before the time of your application, cannot be more than 60 years old at the time of your application, cannot have previously been granted an SSS housing loan, and cannot have previously been granted final SSS benefits.

Related Article:When does buying a home make more sense than renting?

house model and documents

Bank Housing Loans

There are many banks to choose from when it comes to home loan financing. One of the best ways to get started with deciding where to get a bank loan is to do research on various financial institutions that interest you or with the ones you’re currently using. Utilize a tool such as a home loan calculator to get an estimate of how much you could finance with a bank.

Banks differ in terms of rates of interest and loan terms. Overall, here is what you can expect from a bank. First, you can use a bank loan to: purchase a townhouse, condominium, vacant lot or house and lot. You can also use a bank home loan to complete construction and home renovations, or to refinance your current home loan. The amount of money you can borrow from a bank for your home loan will vary, and will be dependent upon your capacity to pay. Repayment terms are also variable depending on which bank you decide to get your home loan from. Since banks can provide you with so much flexibility in terms of financing options, doing thorough research before signing any loan document is of utmost importance. Like any loan amount, banks vary in the amount they are willing to finance. Some banks offer 80% to 90% financing, while some offer as low as 70% total financing. Interest rates also vary depending on the bank, the total loan amount, and the loan tenure you decide on.

The qualifications for a bank loan are a little less strict. In most instances, a bank membership is not needed, there are no contribution requirements, and you do not have to have a savings account. You must be a Filipino citizen, or have a Visa if you are a foreigner. Banks traditionally have quicker approval times than other home loan options. If you decide to go with a bank for your home loan financing needs, the best way to ensure fast approval is to fully complete your online home loan application.

In order to be approved for a home loan from a bank, you must have a steady monthly family income. The amount you qualify for, and the rate you receive will be largely dependent on your capacity to pay. Online tools such as a BDO Home Loan Calculator can provide you with an idea of the type of financing you could receive from a bank as compared to a Pag-IBIG Housing loan or SSS Housing Loan.

Related Article: Figuring out how much of a house / condo you can afford?

Which Home Loan Option Is Best For Me?

Buying a home is a major milestone, and you want this time to be memorable, not stressful. That’s why it’s important to pick a home loan that suits your individual needs.

  • Pag-IBIG Housing Loan: If you are looking for a straight forward home loan with a low interest rate and flexible payment terms, a Pag-IBIG house loan would be a great financing option for you.
  • SSS Housing Loan: If you are a Filipino worker who is part of a registered worker’s organization you could greatly benefit from the low-cost housing options offered by an SSS Housing Loan.
  • Bank Loan: If you want a bit more flexibility with your home loan in regards to rate of interest, payment term, and financing amount, a bank home loan may be the way to go.

Above all, remember to utilize a mortgage calculator while doing your research to help you determine how much financing you could quality for, before you start looking for a house. Doing this will help set up expectations, and help you determine what type of financing would be best for you.

Related Article: Are you mature enough to buy a home?

How to get a Driver’s License in the Philippines?

Sourced MoneyMax.ph  | January 13th 2015

MM_DriversLicense_100314

There’s this indescribable mix of excitement and anxiety for first-time drivers and first-time car owners. But to take things on a legal point, you definitely need a driver’s license before you bring your wheels on the major roads. Spare yourself from spending your first thousand of pesos to the MMDA for driving without license.

The Land Transportation Office (LTO), under the Department of Transportation and Communications (DOTC), is responsible in drivers licensing and motor vehicle registrations. According to the Official Gazette (gov.ph), a driver’s license is “an official document authorizing an individual to drive a motorized vehicle in the Philippines.

read more: List of LTO Branches

LTO has three classifications of drivers licensing: student permit, non-professional driver’s license, and professional driver’s license. Before going to any branch, you have to decide what kind of license you will get. As the name implies, a Professional Driver’s License entitles you to drive a vehicle for a living. Apply for Professional license if you will drive any public utility vehicles (PUVs) such as jeepneys, tricycles, taxi, etc. On the other hand, a Non-Professional Driver’s License allows you to drive private vehicles. In both licenses, a prerequisite is a valid student’s permit, which is “an official document authorizing a person to operate a motorized vehicle in the presence of a duly licensed driver.”

Eligibility for Drivers Licensing:

  1. You must be at least seventeen (17) years old.
  2. You must be physically and mentally fit to operate a motor vehicle.
  3. You must not be a drug user or alcoholic.
  4. You must be able to read and write in Filipino or English.
  5. You must be clean, neat and presentable.

For Non-Pro driver’s license, take note of these steps:

List of Driver’s License Requirements

  1. Duly accomplished Application form for Driver’s License (ADL).
  2. Valid Student Permit (at least 1 month old)
  3. Medical Certificate with Official Receipt (from LTO accredited or Government physician)
  4. Taxpayer’s Identification Number (TIN) if employed
  5. Passing score in the written and practical examinations

 

1. Get a Student Permit

Before applying, you should accomplish a Student Permit also from LTO. When testing your driving skills on the road on your first few tries, you’ll need to present this permit to authorities who might issue you a ticket. A student permit will cost you around PHP 300 for 2-3 hours of processing. The one-month-old student permit is your time to really practice your driving.

2. Medical Examination

Before filing your application for a driver’s license on the same day, you will be required to get a medical examination which will cost around PHP500. Make sure that you only deal with LTO-accredited clinics, usually near the LTO branch.

3. Road Signs and Major Traffic Rules

As early as the thought of driving pops in your head, be wary of the road signs. In your exam, you will be asked for around 50 questions of road signs. If you pass the exam, you will get in to the next step.

4. Practice driving

When you apply for any of the two driver’s license, your skills will be test through a practical exam facilitated by an LTO officer and gauge if you’re capable of driving. It is notable though that a lot of people brags about getting a license without undergoing this process. But in reality, these people are the ones who get caught in vehicular mishaps because of foolish risks. No one is worthy to be on the road without any driving knowledge.

Here’s a run-through of your expense for that day:

Transaction Cost
Medical Examination Php 100.00
Application Fee + Computer Fee Php 167.63
Driving Test Fee Php 400.00
License Fee + Computer Fee Php 417.63
TOTAL COST Php 1,085.26

Source: http://www.lto.gov.ph/index.php/services/drivers-licensing/115-summary-of-drivers-license-and-permits-fees-and-charges

E-bike Philippines – Metro Manila Road Guide

Sourced Wikipedia  | Image sourced NJYTolentino

Metro Manila Major Roads

Metro Manila Major Roads

This list of roads in Metro Manila summarizes the major thoroughfares and the numbering system currently being implemented in Metro Manila, Philippines. Metro Manila’s arterial road network consists of National Roads, the Circumferential Roads, and the Radial Roads, as well as the other major roads connecting the cities of Manila, Quezon, North and South Caloocan, Valenzuela, Malabon, Navotas, Pasay, Parañaque, Las Piñas, Taguig, Muntinlupa, Marikina, Pasig, Mandaluyong, Makati, Pateros, and San Juan as well as the surrounding provinces.

List of numbered routes 

The first road numbering system in the Philippines was adopted in 1930 by the administration of President Manuel Quezon, and was very much similar to U.S.

In 1945, the Metropolitan Thoroughfare Plan was submitted by Quezon City planners Louis Croft and Antonio Kayanan which proposed the laying of 10 Radial Roads, which purposes in conveying traffic in and out of the City of Manila to the surrounding cities and provinces, and the completion of 6 Circumferential Roads, that will act as beltways of the city, forming altogether a web-like arterial road system. The Department of Public Works and Highways (DPWH) is the government agency that deals with these projects.

The Jose Rizal Memorial Monument in Rizal Park is the Kilometer Zero of all the roads in the City of Manila.

The road numbering for Radial Roads are R(Radial Road)-1 up to R-10. The radial roads never intersect one another and they do not intersect circumferential roads twice; hence they continue straight routes leading out from the city of Manila to the provinces. The numbering is arranged in a counter clockwise pattern, where in the southernmost is R-1 and the northernmost is R-10. The Circumferential Roads are numbered C(Circumferential Road)-1 to C-6. The innermost beltway in the city is C-1, while the outermost is C-6.

Circumferential Roads of Metro Manila

There are six (6) circumferential roads around the City of Manila that acts as beltways for the city. Two run inside the City of Manila Proper, while three run outside the City of Manila. Another circumferential road, the C-6, will run outside Metro Manila and is under construction.

Circumferential Road 1

Cover Roads (City of Manila) 5.9 Km long

  • Recto Avenue
  • Pedro Casal Street
  • Ayala Boulevard
  • Finance Drive
  • Padre Burgos Avenue

C-1 is a route that runs inside the City of Manila proper, passing through the Tondo, Binondo, Quiapo and Ermita districts. It starts from the North Port as Recto Avenue and becomes P. Casal Street after crossing R-6. The road crosses the Pasig River as Ayala Boulevard, which ends in Taft Avenue and enters Rizal Park as Finance Drive, which merges into the southern part of Padre Burgos Street, which ends in a junction with Roxas Boulevard.

Circumferential Road 2

Cover Roads (City of Manila) 10 Km long

  • Capulong Street
  • Tayuman Street
  • Lacson Avenue
  • Quirino Avenue

The C-2 Road starts from Tondo, Manila, passing through Binondo, Sampaloc, Pandacan and Paco Districts. It starts from R-10, becomes Tayuman Street in the Sampaloc district, then continues on as Arsenio H. Lacson Avenue after passing A. Mendoza Street. It crosses the Pasig River, then becomes President Quirino Avenue, which continues on until it reaches R-1 (Roxas Boulevard), passing through the Paco and Malate districts.

Circumferential Road 3

Cover Roads (Navotas – Pasay) 21.7 Km long

  • C-3 Road
  • 5th Avenue
  • Sgt. E. Rivera Avenue
  • G. Araneta Avenue
  • Metro Manila Skybridge
  • South Avenue
  • Ayala Avenue Ext.
  • Gil Puyat Avenue

The C-3 Road is a route that lies outside the City of Manila. It starts as the C-3 Road in Navotas, and becomes 5th Avenue after entering Caloocan. It becomes Sergeant E. Rivera Avenue after crossing A. Bonifacio Street, and becomes G. Araneta Avenue after crossing the Kaingin Road in Quezon City. The road ends shortly after entering San Juan, only resuming at the junction of J.P. Rizal Avenue and South Avenue. South Avenue becomes Ayala Avenue after crossing Chino Roces Avenue. The route is rerouted to Gil Puyat Avenue after Ayala Avenue enters the Ayala Triangle, an important industrial landmark in Makati. The proposed Metro Manila Skybridge will bridge the missing segment of the road.

Circumferential Road 4

Cover Roads (Malabon – Pasay) 28.1 Km long

  • C-4 Road
  • Letre Road
  • Samson Road
  • Epifanio de los Santos Avenue

The C-4 Road starts from Malabon. It becomes Letre Road, then becomes Samson Road after entering Caloocan. After crossing the Monumento Roundabout, the C-4 Road becomes EDSA, the most important thoroughfare in the metropolis. With 2.34 million vehicles and almost 314,354 cars passing through it and its segments everyday, the road is also the most congested and busiest highway in the metropolis. The road ends Mall of Asia roundabout in Pasay. The MRT-3 follows the route of C-4, from North Avenue to Taft Avenue.

Circumferential Road 5

Cover Roads (Malabon – Parañaque) 55 Km long

  • NLEX – Karuhatan Link
  • NLEX – Mindanao Avenue Link
  • Mindanao Avenue
  • Congressional Avenue
  • Luzon Avenue
  • Tandang Sora Avenue
  • Katipunan Avenue
  • Bonny Serrano Avenue
  • E. Rodriguez Jr. Avenue
  • Carlos P. Garcia Avenue
  • C-5 Road Ext.

Several arising controversies regarding an expressway MCTEP, properties of Sen. Manny Villar, and the constant squatter demolishing issues in Quezon City causes the C-5 Road, although complete, have less than half of the length, only 32.5 kilometres (20.2 mi), be functional. The road officially starts from Letre Road, but it only starts from the NLEX Segment that crosses the North Luzon Expressway and becomes Mindanao Avenue. The road will follow the route of Congressional Avenue and Luzon Avenue, crossing Commonwealth Avenue and becoming Tandang Sora Avenue, which becomes Katipunan Avenue after crossing C.P. Garcia Avenue in the University of the Philippines campus. The road will follow the route of Col. Bonny Serrano Avenue, which becomes C.P. Garcia Avenue after entering Pasig. The road ends in South Luzon Expressway. A continuation of the road currently provides no access, which starts from Merville, Parañaque to Coastal Road in Las Piñas.

Circumferential Road 6

Cover Roads (Marilao, Bulacan – Bacoor, Cavite) 49.1 Km long

  • Circumferential Road 6

The Bulacan-Rizal-Manila-Cavite Regional Expressway is a superhighway currently under construction. It will act as a beltway of Metro Manila, so that buses and other transportation vehicles coming from the southern provinces going to the northern provinces would not need to pass through Metro Manila, thus lessening traffic in the metropolis. Its northern terminus is MacArthur Highway and the southern terminus is in Bacoor, Cavite.

 

Radial Roads of Metro Manila

Metro Manila Major RoadsThere are ten (10) radial roads that serves the purpose of conveying traffic in and out of the city of Manila to the surrounding cities of the metropolis and to the provinces, numbered in a counter clockwise pattern. All radial roads starts at kilometre zero, which is, the Jose Rizal Memorial Monument in Rizal Park.

Radial Road 1

Cover Roads (City of Manila – Cavite) 41.5 Km long

  • Bonifacio Drive
  • Roxas Boulevard
  • Manila – Cavite Expressway
  • Antero Soriano Highway

Radial Road 1 connects the City of Manila to the province of Cavite, officially starting at Bonifacio Drive, just south of Pasig River. The road skirts the coastline of Manila Bay entering Roxas Boulevard and later, after crossing NAIA Road, as the Manila-Cavite Expressway. The road will keep skirting the coastline until it ends in a junction with the Governor’s Drive in Naic, Cavite, spanning 41.5 kilometres (25.8 mi) from Rizal Park to Cavite.

Radial Road 2

Cover Roads (City of Manila – Batangas) 64.2 Km long

  • Taft Avenue
  • Elpidio Quirino Avenue
  • Diego Cera Avenue
  • Aguinaldo Highway
  • Tagaytay – Talisay Road

The road lies parallel to Radial Road 1, connecting the City of Manila to Cavite and Batangas. The road starts from the Lagusnilad Underpass in front of the National Museum in Ermita. The road, as Taft Avenue, will follow a straight route, and after crossing EDSA in Pasay, becomes Elpidio Quirino Avenue. E. Quirino Avenue serves as the main road in the suburb of Parañaque, until it becomes Diego Cera Avenue upon entering Las Piñas. The road then becomes the Aguinaldo Highway after crossing the Alabang–Zapote Road. Aguinaldo Highway serves as the main thoroughfare in the Province of Cavite, ending in the Tagaytay Rotunda, and becoming the Tagaytay-Talisay Road, which ends in front of the Taal Lake. The Manila LRT Line 1 follows the route of R-2 from Padre Burgos Street to EDSA.

Radial Road 3

Cover Roads (City of Manila – Batangas) 96 Km long

  • South Luzon Expressway
  • Southern Tagalog Arterial Road

The entire road is an expressway, except for its northern end starting from its junction with C5. It is jointly operated by the Skyway Operation and Management Corporation (SomCo) and the Citra Metro Manila Tollways Corporation (CMMTC). Although the kilometer zero of the road is at Rizal Park, the road officially starts from the junction of South Luzon Expressway and Quirino Avenue. The road will follow a straight route from Paco, Manila to Santo Tomas, Batangas, wherein it becomes the Southern Tagalog Arterial Road or the STAR Tollway. The STAR Tollway connects Sto. Tomas to the Batangas Port in Batangas City.

Radial Road 4

Cover Roads (City of Manila – Rizal) 23.5 Km long

  • Pasig Line Street
  • Kalayaan Avenue
  • M. Conception Avenue
  • Elisco Road
  • Highway 2000 Phase1

The road itself is incomplete. It starts from the junction of Pedro Gil Street and Quirino Avenue in Santa Ana, Manila, and it will enter Makati before ending in a junction with Zodiac Street. A logical continuation of the road starts from the junction of EDSA and Gil Puyat Avenue. The road again ends in a dead end in Kalawaan, Pateros. The continuation of the road starts from the east bank of the Manggahan Floodway, as Highway 2000. Highway 2000 becomes the Taytay Diversion Road after crossing Road 1 in Taytay, Rizal. The proposed Pasig River Expressway is also labeled R-4. The road currently spans 23.5 kilometres (14.6 mi).

Radial 5

Cover Roads (City of Manila – Laguna) 86.1 Km long

  • Victorino Mapa Street
  • Padre Sanchez Street
  • Shaw Boulevard
  • Pasig Boulevard
  • Ortigas Avenue Ext.
  • Taytay Diversion Road
  • Manila East Road

Radial Road 5 starts from the upper banks of the Pasig River, parallel to Radial Road 4 on the lower banks. The road will enter Mandaluyong and will become an important thoroughfare in the industrial downtown of Pasig and the Ortigas Center. The road will eventually become the Manila East Road, the main transportation corridor of the Province of Rizal.

Radial 6

Cover Roads (City of Manila – Quezon) 121.6 Km long

  • Legarda Street
  • Magsaysay Boulevard
  • Aurora Boulevard
  • Marikina – Infanta Highway

Radial road 6 starts from the junction of Mendiola Street and Ayala Boulevard. The road will serve as an important thoroughfare in Santa Mesa, Manila, and will enter the New Manila District of Quezon City after crossing G. Araneta Avenue and becomes Aurora Boulevard. The boulevard will enter the District of Cubao in Quezon City and will serve as the main thoroughfare in Araneta Center. The road becomes Marikina–Infanta Highway (Marcos Highway) after crossing Katipunan Avenue. The highway will then pass through the cities of Marikina then in Pasig and transverse the province of Rizal. The road would continue further and will end in a dead end in Infanta, Quezon. The MRT Line 2 follows the route of R-6 from Legarda Street in San Miguel, Manila to Marcos Highway in between the boundaries of Santolan, Pasig and Calumpang, Marikina. The road spans 88.6 kilometres (55.1 mi) long.

Radial 7

Cover Roads (City of Manila – Bulacan) 53.6 Km long

  • Lerma Avenue
  • España Boulevard
  • Quezon Avenue
  • Elliptical Road
  • Commonwealth Avenue
  • Quirino Highway
  • SJDM – Norzagaray Road

Radial Road 7 starts from Quiapo, Manila. The road will follow a direct route to Quezon City. After crossing the Quezon City Memorial Circle, it becomes Commonwealth Avenue, the widest road in the Philippines. The route then follows Regalado Highway in Fairview, Quezon City, and it ends in a junction with Quirino Highway in the Neopolitan Business Park in Lagro. The road drives north to Bulacan, until it ends with a junction with Fortunato Halili Avenue. The currently under construction North Luzon East Expressway or the R-7 Expressway is a continuation of this road.

Radial 8

Cover Roads (City of Manila – La Union) 210 Km long

  • Quezon Boulevard
  • Alfonzo Mendoza Street
  • Dimasalang Street
  • Andres Bonifacio Avenue
  • N. Luzon Expressway
  • Subic – Clark – Tarlac Expressway
  • Tarlac – Pangasinan – La Union Expressway

Radial Road 8 starts from Quezon Bridge in Quiapo, Manila. The road will follow a direct route northwards, becoming the North Luzon Expressway after crossing EDSA. The road becomes SCTEX after crossing MacArthur Highway in the Paradise Ranch in Clark Freeport Zone, Angeles, Pamapanga.

Radial 9

Cover Roads (City of Manila – La Union) 228 Km long

  • Rizal Avenue
  • MacArthur Highway
  • Pugo – Rosario Road

The Radial Road 9 consists of the northern portion of the Pan-Philippine Highway or AH-26.(R-2 takes the southern portion) The LRT-1 follows the route of R-9 from Manila to Gracepark, Caloocan. R-9 starts as the Rizal Bridge from Padre Burgos Street. It follows a straight northward route parallel to R-8. The road becomes MacArthur Highway after crossing the Monumento Roundabout in Gracepark, Caloocan. The road officially ends in the road diversion in Baguio where it diverges into Kennon Road, Marcos Highway/Aspiras-Palispis Highway and the Pan-Philippine Highway

Radial 10

Cover Roads (City of Manila – Bataan) 105 Km long

  • Marcos Road
  • Manila – Bataan Coastal Road

The Radial Road 10 is currently a 9.7 kilometres (6.0 mi) long highway from Tondo, Manila to C-4 Road. There was a proposed project of extending it to Bataan, as the Manila-Bataan Coastal Road. The project has long since died, but the top local government chiefs of Central Luzon led by RDC Chair and San Fernando City Mayor Oscar Rodriquez, and Zambales Governor Hermogenes Ebdane, Jr. revived the project and approved the CLIP for 2011 to 2016 in the recent 6th RDC meeting in Balanga.

10 Financial Resolutions for 2017

Published by MoneyMax.ph  | Kristel Silang – December 26th, 2016

Financial Resolutions for New Year

What can you say about your financial state last 2016?

The answer to this question can help you get an overview of what you want to achieve financially this 2017 based on actual personal instances and figures. Did you hit your savings goals? Did you decrease your credit card debt or loan payments? Did you wish that you achieved more last year?

Reflecting on the past year and taking action can help you reach your financial goals for 2017 with more objectivity and effectiveness.

Financial Resolutions for New Year

Seat sales? Sales on every corner of the mall at all months of the year? That’s what gets most of us to make impulse buys because we think we will be getting a great deal from it.

A great way to leverage these kinds of savings as well as satisfying that adrenaline of getting the most bang for your buck is to plan your impulse buys.

How to do it: 

Set a budget you are willing to spend for leisure for the whole year. Plan your destinations in advance with the time frames so when you get hold of a seat sale, you can gauge if it fits the plan you made for the year. If yes, go for it! If not, check out other couriers on their seat sales.

Financial Resolutions for New Year

When you find an interesting product or service, they usually give you a one-month, no commitment FREE subscription. The operative word being free, we are lured into getting on free subscriptions. The psychology behind this is beyond the utility of the product or service, we develop an attachment to any possession we have over time. This is why most people give an overestimate of selling price when selling their pre-loved items.

When the one month passes by and we are prompted to subscribe to continue using the service, we will be willing to pay for the service which we voluntarily signed up for. We may lose sight if we are really utilizing these products or services over time. Most subscriptions are also low on cost so we have this thinking of “Ay, Php100 per month lang naman ang subscription. Ayos lang yan.” 

How to do it:  

Schedule one hour within this month to assess all the recurring subscriptions you have and ask yourself:

  • Can I live one year without this subscription?
  • Is there a cheaper way for me to obtain the product or service I got from this subscription?
  • How many times this month did I check or use the product or service I am getting from this subscription?
  • Does this subscription help me earn money by providing me resources or giving me inspiration to do my work?

By answering these questions, you should be able to gauge whether these subscriptions are worth keeping and sustaining.

Financial Resolutions for New Year

Even the most determined saver can get busy with life and miss putting money in his savings. You can also miss putting in savings when you feel obligated to make a sudden purchase before even stepping in the bank to deposit your payment to the other account.

Automating your savings can help you avoid unnecessary purchases and save you time because you do not have to do it manually.

How To Do It:

Sign up for an online account with your bank so you can set-up an automated savings plan. You can also coordinate with your HR Department if your company has a savings plan that you can use so you’ll save money while working in the company.

Financial Resolutions for New Year

Thinking about saving money is just the tip of the iceberg. Making it happen is where the challenge lies, and identifying how much your target savings is the next step.

Knowing an exact amount will make this concrete and also make you realize how much you need to put aside per month to hit this goal by the end of the year.

How To Do It:

The amount you will identify should be based on your long-term goals. Is this for a new car or house? For an additional investment in your portfolio? This should also be a realistic goal. A good amount to start with is 10% of your net income. You can increase this over time as your income increases.

Financial Resolutions for New Year

It’s not common to read financial literacy books for leisure when you are trying to relax from a long day’s work but it will help you get closer to your financial goals for 2017.

This can be from anywhere from general personal finance to a specific topic in personal finance that you want to know about.

How To Do It:

This depends on your pace and schedule. You can block off time periods during the day to read 10 pages per day or schedule one day to read the whole book. What is important is that you gain progress on getting new information and you apply your learnings on improving your personal finances.

Financial Resolutions for New Year

You can add value to your everyday social media break by following financial experts who can give you tips, share motivational quotes, and help you keep going on your journey to financial freedom.

How To Do It:

Here are a few personal finance experts that you can follow. You can set this to “See First” so when you log in at Facebook, you can see their posts at the top of your News Feed:

Financial Resolutions for New Year

Yes, you have an emergency fund. The question is: Is it really ready for when an emergency hits you right this minute? While this might seem negative to think about it before it actually happens, remember that this is the main reason why you are saving up money for an emergency fund. It is not for your big leisure purchases or for those sudden sales in the mall that makes you compelled to spend more than you should.

How To Do It:

Assess every quarter if the full amount of your emergency fund can support you to any of the following emergencies that will call for moving it:

  • Hospitalization of yourself or any other family member for 5 days or more
  • Losing your job tomorrow
  • Your car totally breaking down
  • Needing to have an international trip because of an emergency with a family member abroad

Financial Resolutions for New Year

For most Filipinos, this is the time after work when they rest and take a break from work. This may also be the time to help you get additional income which may not be immediate but gradually being built up.

Successful individuals may stop the work once they step out of their offices but they do not stop learning and improving their skills so they are at the optimum condition when they get back on the hustle. This could also spare you from spending money by going out with your friends or officemates out of whim instead of planned get-togethers.

How To Do It:

List all the activities you do on this time after work (which may vary depending on your work schedule) aside from getting ready for bed and going to sleep. Do any of these activities help you grow a side business, make you learn new ideas or skills that may get you promoted at your job, or give you more information on building up your finances?

If it’s a yes to any of those income-growing possibilities, then you’re on the right track. If all your activities didn’t fit into any of them, it’s time to identify at least one activity that you enjoy on that free time that you can add to start achieving your goals at work or on your finances.

Financial Resolutions for New Year

Insurance is a financial topic that isn’t top of mind when Filipinos talk about personal finance. While this may be an unnecessary cost for most of us, this actually helps us save more money when the need arises based on our coverage.

If you are the breadwinner of the family, it may be time for you to get life insurance. If you bought your car 5 years ago, maybe it’s time to re-visit if your car insurance policy still gives you the best coverage at a value-for-your-money price.

Having the right insurance can help you avoid spending a big amount of money in case of an accident or death of a loved one. Cliche as it may seem, prevention is always better than cure.

How To Do It:

Seek the help of a Registered Financial Planner (RFP) who can help you make informed decisions on which types of insurance you should get. Do not go into buying insurance and paying your contributions every month without talking to the experts and researching on the details so you don’t end up buying the policy that’s not suited to your actual needs.

Financial Resolutions for New Year

Most of us love the idea of excess since this validates our financial capability and our satisfaction that we have something tangible that came from the money we worked for but in reality, we do not need 10 pairs of workout shoes or 20 pairs of heels so we can go on with our everyday lives.

How To Do It:

Why not try the Oprah Winfrey Closet Hanger Experiment? Hang all your clothes with the hangers in the reverse direction. After you wear an item, return it to the closet with the hanger facing the correct direction. After six months, you’ll have a clear picture of which clothes you can easily discard. You can also apply this to other clothing items such as shoes, accessories, bags, and more.

Through these financial resolutions and the determination to do them and follow through throughout the whole year, you should be able to reach higher financial heights by the end of the year and build great financial habits that you will own for the years to come.

How to process a Pag-IBIG Loan the Step-By-Step Guide

Published by iMoney Philippines  | Rouselle Isla – August 19th, 2016

Step-By-Step Guide on How to Get a Pag-IBIG Loan

One of the great benefits of being a member of Pag-IBIG Fund is the housing loan. If you are not over 65 years old and have remitted 24 monthly contributions to Pag-IBIG Fund, you may avail of this housing loan. You should not have any outstanding housing or multi-purpose loans with Pag-IBIG, nor should you have a Pag-IBIG housing loan that had been cancelled, bought back, or foreclosed.

Even minimum wage earners can have the opportunity to buy their own home through the Affordable Housing Program. With the End-User Financing Program, members can borrow up to ₱6 million. The maximum repayment period for a Pag-IBIG Fund housing loan is 30 years. Know how to apply for one in just five steps.

1) Get The Relevant Forms

You can get the housing loan application form and the checklist of requirements by visiting your nearest Pag-IBIG Fund office, or by going online and visiting www.pagibigfund.gov.ph. Click on the link that says “Forms” and you can download them for free.

You need to accomplish a medical questionnaire and undergo a full medical examination if you are over 60 years old and an OFW, or if you are 60 years old and borrowing over ₱2 million up to ₱6 million.

If you are curious about rates, you can easily do a quick check by using our online calculator. This will give you an idea on the current BPI housing loan interest rate in comparison to other banks.

2) Submit Your Pag-IBIG Fund Housing Loan Application

After filling out the necessary forms and completing the requirements, you can submit your application. There is a non-refundable partial processing fee of ₱1,000 that you will need to pay upon submission of application.

If the property is located in NCR, you can head to the Pag-IBIG Fund offices in Shaw Boulevard, Kamias, or Imus. If it’s a provincial property, you can file the application at the nearest Pag-IBIG Fund office to the said property.

If you prefer to do it online, go to www.pagibigfund.gov.ph and click on E-Services. Note that it takes about 20 working days to process your housing loan. This includes property valuation and credit investigation already.

3) Receive Your Notice of Approval

If your housing loan application is approved, you will receive your Notice of Approval (NOA) or Letter of Guarantee (LOG). You can now sign your loan documents.

If your loan application is disapproved, it could be because of several reasons. When evaluating your loan application, Pag-IBIG Fund will also check your records, employment status, and your capacity to pay. They will evaluate the property and its appraised value. If you fail to meet any of these requirements, your loan application will get disapproved.

4) Complete Your NOA Requirements

You have 90 days to accomplish your NOA requirements. Note that there will be different requirements depending on the property you want to purchase. We suggest that you do it right away because some of the requirements take days, or even weeks to complete. Don’t do it at the last minute. The sooner you can submit complete and correct documents, the sooner your check will be released to you.

5) Receive Your Loan Proceeds

You can now collect your loan proceeds from Pag-IBIG Fund. Just present two valid IDs. You should also bring 12 postdated checks with you if payment for the loan is not through salary deduction. Once you have the check with you, just give it to the seller of the property as your payment.

If you’re looking for more information, you can check our guide on everything you need to know in getting a pag ibig housing loan.

5 ways to manage your Facebook groups

Published by Rappler.com – July 21st, 2016

PRESS RELEASE: Here are tips to effectively manage your Facebook groups


This is a press release from Facebook.

MANILA, Philippines – Facebook groups have become the norm in creating and sustaining communities where people of the same interests and circumstances connect. We all create or join Facebook groups for different reasons. Some of us seek to compartmentalize our contacts to make collaboration easier, while others desire to be part of an online community that share our passion. However, group membership and administration can be challenging when we are constantly faced with seemingly endless flow of information and notifications.

Below are tips to effectively manage your Facebook groups:

Learn to adjust privacy options accordingly.

This is arguably the first and most important step when creating new groups. There are three options to choose from: public, closed, and secret. Setting the group to public allows anyone to search for the group and see posts from members. Closed groups can be searched, but only members can see group posts. Lastly, secret groups cannot be searched and only members can see each other’s posts.

Group membership can also be customized. You may choose to allow any member to add people to the group or solely rely on group administrators to approve membership requests.

Take note that these privacy settings can be adjusted anytime. Simply click on the gear icon located at the top right of each group icon to adjust settings according to your preference.

Filter your notifications.

Sometimes, it can be quite overwhelming to receive multiple notifications from the different groups you are part of. Let’s be honest, not everything you are notified on is important to you.

Go through your groups and customize the notifications you receive. Simply click the gear icon and select “edit notifications”. By default, you are notified on all posts, but this option allows you to choose to be notified on highlights, friend’s posts, or none at all.

As group admin, you can also control how you receive notifications from selected posts. Simply click on the icon next each post and click “turn off notifications for this post”. Regular members can subscribe to get notifications from specific posts by clicking “turn on notifications for this post” from the icon as well.

Get quicker access to frequently used groups.

You may have noticed that the top groups under your “groups” sidebar have the most members. However, number of members does not necessarily reflect higher degree of importance, especially when you have smaller groups primarily used for project coordination, or communication within a select group of people – like your family or barkada.

Luckily, you can use the “favorites” sidebar tool to swiftly access frequently used smaller groups. By expanding the “groups” option and clicking on “add to favorites,” you can now easily spot a group through the sidebar. This can come in handy especially when you need to urgently post in groups that you run.

Pin important posts.

Ever created a poll in a group that didn’t quite generate the number of responses you expected? Or perhaps posted a reminder that wasn’t seen by everyone? That’s probably caused by the numerous posts also “competing” for attention in the group. As admin, you can pin posts so they appear on top of the group feed. Simply click the icon next to the post and select “pin post”. While this is convenient, you may only pin one post at a time. Treat this as an exercise on prioritizing posting.

Leave groups.

As our priorities shift over time, certain groups become inactive. Groups that have lost relevance to you may suddenly pop out with notifications that no longer stay true to the group’s established function. There is no cap to the number of groups you can be a member in, but a little housekeeping goes a long way especially when you have a lot of active groups.

Through these tips, Facebook hopes that you more effectively utilize your groups to increase productivity and create more dynamic communication environments.–PNGS Blog

Make a small fortune by investing P20,000

Published by GMA News Online – July 4th, 2016
These days, P20,000 may not sound like much.  It’s so easy to simply head off to the mall and blow it all on gadgets, clothes, or food. One swipe of your credit card and it’s all gone.

But if you do it right, your P20,000 can grow and make you a small fortune.
The big question is “Where should you invest your P20,000?”

There are many wise options available, and we have listed eight investment options for you.