Know someone who owns a credit card from another bank? This is the best time to refer them to apply for a UnionBank Credit Card! Each approval earns you a  P5,000 eGift . Complete  four (4)  referrals to earn  P20,000 eGift  and redeem an Apple Watch SE from Power Mac Center.  Apply Now!

What I like about Wise ✅ The real GDPR compliant ✅ and now the Wise debit Mastercard® has landed, wow international people can spend around the world with ZERO foreign transaction fees. ✅ Wise provides services from ISO27001 and PCI DSS compliant AWS datacenters. ✅ Constantly audited. SOC 1 type 2, SOC 2 type 2, PCI DSS certified, GDPR compliant and follow ISO27001. How Wise Uses Twilio 2FA to Move Money Securely Get your Wise debit Mastercard® Zero foreign or international transaction fees      Plus no annual fees and low currency conversion fees. Free ATM withdrawals worldwide      Free cash withdrawals up to $350 every 30 days. Auto-convert any currency      Spend in any currency and our smart tech will auto-convert it with the lowest possible fee. Easy-to-use app      Add and convert money, get instant notifications, and freeze or unfreeze your card anytime. After getting your debit card, you can link...

What I like about using OrbitRemit - If you make your remittance in the morning you can expect it to be in your recipient’s bank account on the same day. - Aside from speed, exchange rate, usability, it's privacy! It's GDPR compliant according to their support! Although it is nowhere to be found on their website, I did due diligence and contacted their support to confirm. According to OrbitRemit support, as a company registered in NZ, Australia and the UK, they comply with the privacy regulations of these countries and as per their terms and conditions, they value the privacy of our customers. In the UK or EU, when it’s about privacy you talk about (GDPR Compliance) Please refer to their terms and conditions for further information.  https://www.orbitremit.com/legal/privacy-policy After reading their privacy policy, in reference to GDPR compliance, these are your information rights on your personal data. You have certain rights relating to: 1. Rig...

My first investments in CommSec Pocket Well, the markets are down but so is the AUD. It is time to invest in the sharemarket. I have chosen IOZ and NQD and soon SYI   about CommSec Pocket App (source CBA) An app so simple, it turns a non-investor into an investor You can start investing with as little as $50, and gradually build a portfolio over time. Choose from 7 themed investment options and invest in something that appeals to you, like tech, sustainability leaders, or the biggest 200 companies on the Aussie market. We’ll help you along the way with bite-sized tips, videos, and articles to teach you all about the share market. How it works When you invest via CommSec Pocket, you’ll be buying units in an Exchange Traded Fund (ETF). ETFs are funds that trade on a stock exchange, just like shares – the difference is that an ETF represents an investment in a selection of companies and assets, while a share represents an investment in just on...

Going physically to Filipino Stores to do remittance to loved ones overseas is dead. It is very primitive and It is for oldies! :) ... and now, specially during times like this CORONA virus period, you can transfer money online. and I use OrbitRemit for that purpose!  I’ve been using OrbitRemit to send money abroad. It’s really easy, you can do everything online and it’s up to 80% cheaper than using the bank! Sign up now and make it count with a free payment:

  Working from home this time of the virus period?  You can save electricity by simply changing your tariff rate. But which type of tariff is right for you? A  tariff  is the way you get charged for your energy. Choosing the right tariff for you can help reduce what you pay for your energy. To help you work out what’s best for you, we’ll explain: what the different tariffs are, and how they work. Electricity tariffs There are three types of electricity tariffs:  - single rate, time of use, controlled load, and demand With  single rate  tariff plan there are no  peak  or  off-peak  periods. This means that you pay the same rate whatever time of day you use energy. The rate is usually lower than the peak rates of a  time of use  tariff. This means a single rate plan could be a good choice if: You are at home a lot in the evening Monday to Friday.  You need to use your app...

The Australian Government has released an official app with the information you need to know about  # Coronavirus   # COVID19 . Search “Coronavirus Australia” in the Apple App Store and on Google Play.

The Best File Sync Software. Resilio Sync (free, with paid options) I just started using this application, Resilio Sync. This app provides peer-to-peer file synchronization which can be used for private file storage, backup, and file sharing. This also means your files are never stored on a single server in the cloud!   https://www.resilio.com/sync-reviews/ Sync is like DropBox , but 100% private.    Sync makes it easy to store, share and access your files from just about anywhere. Best of all, Sync protects your privacy with end-to-end encryption — ensuring that your data in the cloud is safe, secure and 100% private. Share your own files absolutely free with  Sync.com Why Sync? ✅  GDPR compliant ✅  HIPAA compliant ✅  Zero Knowledge privacy ✅  end-to-end encryption

I and my peers been a student of Mark So and have learned a few money management skills or discipline by: 1. Attending one of his courses 2. Reading his FREE articles in his website. Who is Mark So? Mark So hails from the Philippines. He started Investing in Currencies in 1998 when the USD was still at 32 to the Peso (It has gone as high as 56.50 since then) . In 2000 he started building businesses while buying and selling the USD offline. Today Mark is the Founder and Chief Forex Trainer of Forex Club Asia, the trading club of traders across Asia with more than 3,000 members. He is also the Chairman and CEO of Businessmaker Academy, Inc. A Business, Investment, and HR Training Institution that has trained more than 20,000 Alumni since 2003. Mr. So is also a frequent guest on ANC and GNN where he is regularly invited to talk and share his insights on Forex Trading. He is also a regular columnist at Manila Bulletin and Money Sense Magazine where his Business and C...

Forex for Beginners || ozbiyahero.com Learn Forex Trading Online from the Guru , Mark So for $10 only Forex for Beginners “I want to learn, but I don’t have the time to take the class” Not a problem, Learn Online! Learn Anytime, Anywhere, Any Device! When you purchase this for 10 measly US Dollars or roughly 500 Philippine Pesos, you will be instantly given a special login and password to the membership area to watch 12 super informative videos to get you started right away. Immediate viewing after purchase. Ask questions online. Learn from Mark So Personally for 1 whole year! The Top 3 Things You will Learn: 1. How to Open and Navigate Demo Accounts and Charts (FXCM Trading Station) 2. What are and how to place “Long” and “Short” Market Orders 3. Understanding Jargon: Currency Pairs, Pips, Spreads, Lots, Leverage, Margin Accounts How Much? Access to the live class plus 12 Awesome Videos, Anytime, Anywhere, Any Device, Access to Ma...

The NSW Government has reformed the compulsory third party (CTP) insurance scheme to reduce the costs of CTP Green Slips for vehicle owners and better support people injured on our roads. If you were the registered owner of a private vehicle as at midnight 30 November 2017, you may be able to claim a CTP Green Slip refund for insurance policies bought or r enewed before 1 December 2017. https://www.service.nsw.gov.au/…/claim-ctp-green-slip-refund

Fast Cover Travel Insurance is so far the cheapest, and most affordable travel insurance I found online. Help out your family & friends Once you've purchased and saved $5, you'll also have the opportunity to help out your family and friends by sharing a unique $5 discount for them. On the confirmation page underneath your policy details, you'll find details of how you can share the $5 discount on social media such as Facebook or Twitter and an option to email the discount as well.    Fast Cover Friend Referral Program