Investing in the Philippine Stock Market

(Updated 23.May.20)

Did you know that every Filipino can become an owner of Jollibee or SM and get a share of their income?

How does it feel when one Sunday morning you go to ‘your’ SM mall to shop then savor that crispylicious, juicylicious, and finger-lickin’ good Chickenjoy at Jollibee that you are a part-owner, too.

It sounds like you’re a big shot, huh? But it only requires a starting capital of P5000, even cheaper than that smartphone of yours.

This can be made possible by buying the company’s stocks by investing in the stock market.

What is the Stock Market?

Stock Market is a place where you can buy shares of stocks of publicly listed companies. A stock is a share in the ownership of a company. A Stockholder is the owner of stock/s in a corporation. On the other hand, Stockbroker is someone who executes buy and sell orders for shares through a stock market.

The Philippine Stock Exchange (PSE) is the sole stock market in the Philippines. Only publicly listed companies can sell stocks. PSE thoroughly selects a company to be allowed to register based on its track record.

To illustrate, let us take Jollibee as an example. You, as an investor, can be a part-owner of Jollibee. All you need to do is to buy shares of stocks of Jollibee listed in the PSE through a stockbroker.

How to Earn in the Stock Market?

There are two ways to earn in the stock market. One is Dividends, which a part of the company’s revenue provided to stockholders. If the company’s profits are enormous, dividends are also high. The second way is through Capital Gains. When a company grows, its price per share is also rising. If you have bought a stock for P10, after five years, the rate rose to P100, and you have a gain of P90/share.

How to Open an Account?

You have to open an account with a stockbroker to start investing in the stock market. My broker is COL Financial. Read “How to Open an Account with COL Financial?” to learn more.

Best Stock Market Investment Strategies for Beginners

Based on my two years of experience in the stock market, the best strategies to invest, considering a lower risk, but maintaining a profitable gain are Peso Cost Averaging and investing in Equity Funds (Mutual Funds). These are also the easiest and hassle-free investments. Read my articles “Mutual Funds” and “Peso Cost Averaging” for details.

How to Buy Stocks and Mutual Funds?

It has been a wrong notion that investing in the stock market is tough. Buying stocks/equity funds is as simple as Facebooking. All you need are a computer/smartphone and internet. For more details, read “How to Buy Stocks?” and “How to Buy Mutual Funds?

How to Succeed in the Stock Market?

When I started investing in the stock market, I also encouraged the rest of my family to join. We opened a total of 4 accounts. While the three accounts prospered, one didn’t. It belongs to my brother. But what happened? Well, he just invested P5000 in the past two years. Now, his investment remains 5000 with a few pesos gains.

In the stock market, you need money to earn money. Here money works for you. You need capital.

What is good about this investment is it doesn’t require a large sum to start. You need only P5000 in the beginning. But for heaven’s sake, commit a monthly investment for the next five years. Only then will you feel that your money is earning.

Who are Suited for Stock Market Investment?

Anyone can invest in the stocks; however, here are the group of people whom I think stock market investment suit well:

OFWs possess an excellent income flow but struggle to start a business in the Philippines as they are working abroad.

Working Professionals possess a considerable fund, but find no time to start a business as they are busy with their career.

Millennials/Young Professionals. Many of the new entrants to stock market investments are millennials (people born in 1980-1998). These are technologically savvy, innovative, entrepreneurially-minded individuals.

Retirees. If you are in your 60’s now, you might still live a good 30 years or so. A part of your pension or retirement bonus can be invested in the stocks while you enjoy your retirement.

How Much Have I Earned in The Stock Market?

This investment doesn’t promise excessive earnings to the investor. It does generate a good income from safe, low risk, and hassle-free investment. Mine has earned P35,000 in 22 months. Read this “How Much Have I Earned in the Stock Market?” for more details.

My Investment Update (23.May.20)

It has been four years since I started investing in the stock market. There was a point when my investment had reached around 400,000 pesos. I have tried long-term investments through Peso Cost Averaging, Equity Funds, and Strategic Averaging Method (from Truly Rich Club). I’ve also ventured in day trading for a few months.

After three years of opening my account, in 2019, I have started diversifying my capital and pulled out almost all my money in the stock market. As of writing, I only have 34,000 pesos left in my COL Financial account.

I feel that stock market investment does not fit in my financial goal. It does not satisfy my need to have a steady income source that I require after my planned retirement. This does not mean that the stock market is not suitable for you, as we have different needs and goals in life.

I will have a separate article on the Lessons I Learned from Stock Market Investing and will be posting soon.

Disclaimer

EarnPeso holds no control over your financial fate. It is here as a guide. Exercise prudence in every investment or business you undertake, and success will follow.

I hope this article encourages you to start your own business/investment. Click the links for Business Ideas and Investment Options for more insightful essays.

Do you have any questions? I would love to hear from you. Please leave a message in the comment box below or follow and message me on Facebook.

Investing In Mutual Funds

(Updated 23.May.20)

There are many investment products out there where you can pour your money to earn a passive income. By definition, passive income is money collected from a business that you have not actively participated in its day to day operations.

One particular investment product that I have personally invested in is Mutual Funds (MF). Mutual Funds are professionally managed investment products, registered under the Securities and Exchange Commission. It pools together a collection of assets – generally stocks, bonds, cash, or a combination thereof – held by multiple shareholders to invest.

Types of Mutual Funds

Mutual Funds are categorized according to where the pooled assets are invested. There are different types of mutual funds to match your financial goals.

  1. Equity Index Funds – Money will be invested in stocks that are components of the PSEi. One of my investments is of this type.
  2. Equity Funds – Invest in individual stocks listed in the Philippines Stock Exchange. The remaining 2 of my MF investments are Equity Funds.
  3. Balanced Funds – Money is invested in a combination of both individual stocks and bonds.
  4. Bond Funds – Invest in bonds issued by corporations and the Philippine government.
  5. Money Market Funds – Invest in short-term time deposits, corporate bonds, and government securities.

Advantages of Investing in Mutual Funds

  1. Professionally Managed -The money that you have invested will be managed by professional fund managers who are experts in making investment decisions. Investing in MF is way easier and safer than directly investing in stocks yourself.
  2. Small Capital – The initial capital is only P5000, and you can add a minimum of P1000 thereafter to increase your investment.
  3. Diversified – Your money will be invested into a variety of assets hence minimizing the risk of losses.
  4. Easy to Withdraw – You can easily redeem your investment at any time.

My Investment in Mutual Funds

My Mutual Funds so far have posted a reasonable profit. I have started four months ago around P100,000 capital and have earned between 10,000 -12,000 pesos so far.

My Mutual Fund portfolio with COL

Getting Started

  1. Open and fund an account with COL. Follow the process in How to Open an Account in COL Financial?
  2. Start buying Mutual Funds of your choice. The easiest way to select which fund to invest is to check its past performance. You can visit the website of Philippine Investment Fund Association to make a comparison of most mutual funds available in the market.

My Investment Update (23.May.20)

It has been four years since I started investing in the stock market. There was a point when my investment had reached around 400,000 pesos. I have tried long-term investments through Peso Cost Averaging, Equity Funds, and Strategic Averaging Method (from Truly Rich Club). I’ve also ventured in day trading for a few months.

After three years of opening my account, in 2019, I have started diversifying my capital and pulled out almost all my money in the stock market. As of writing, I only have 34,000 pesos left in my COL Financial account.

I feel that stock market investment does not fit in my financial goal. It does not satisfy my need to have a steady income source that I require after my planned retirement. This does not mean that the stock market is not suitable for you, as we have different needs and goals in life.

I will have a separate article on the Lessons I Learned from Stock Market Investing and will be posting soon.

Disclaimer

EarnPeso holds no control over your financial fate. It is here as a guide. Exercise prudence in every investment or business you undertake, and success will follow.

I hope this article encourages you to start your own business/investment. Click the links for Business Ideas and Investment Options for more insightful essays.

Do you have any questions? I would love to hear from you. Please leave a message in the comment box below or follow and message me on Facebook.

Reference:
1. COL Financial

Starting a Soft Drinks/Beer Dealership Business

Filipinos are generally friendly and happy people. This has been a common observation of other nationalities that I have a chance to work in Dubai. Our happy culture can be seen within our birthday parties, fiesta celebrations, weddings, Christmas & New Year’s parties, and even a simple weekend karaoke gathering.

In every celebration, aside from food, drinks can’t be missing. Filipinos love to drink, be it soft drinks (cola) or strong drinks (beer, rum, etc.). Hence a bottled drink dealership is a promising business in the Philippines.

In 2012, we opened our soft drinks & beer dealership business. For the past 5 years, we have been through ups and downs. This business is not as easy as it looks. This requires physical strength and is best if being managed by men with willpower and endurance.

Location

This is a delivery and distribution business, and it doesn’t require an area with substantial foot traffic. In fact, we are operating our business at our house. All you need is a place with adequate space to store cases of drinks on a massive scale. Your operation is chiefly focused on delivering the cases to sari-sari stores, canteens, and restaurants.

Capital

A substantial amount of money is required for this business. A case of San Mig Light costs P635 on average. If you order 100 cases, you need to shell out P63, 500 in just one unloading. This is merely the cost of the content. The bottles & cases have separate values. If you have no bottles & cases ready, then you have to pay for a deposit of approximately P115 a case. Hence, if you ordered 100 cases, you will pay P11500 for the deposit. Then a total of P75000 is needed to acquire 100 cases.

Supplier

A bottling company like San Miguel taps another company responsible for distributing its products. This company is called a distributor. As a direct dealer of bottled drinks, you will get your supplies from the distributor. When you obtain your supplies from a direct dealer, you are then called a sub-dealer. As a young entrant in this business, you can be a direct dealer or a sub-dealer depending on your capital.

In some companies like RC Cola & Pepsi, we can get our supplies directly from their plants.

While Coca-Cola requires franchising for you to be able to exclusively distribute their products.

(Notice: I will not be able to provide contacts of distributors/suppliers mainly because there are different suppliers on each locality)

Permits

You have to hold licenses to operate your business. You only need to visit your municipal or city hall to get these permits. There you will be guided accordingly with a step by step procedure. This involves getting clearances from the Barangay, DTI, sanitary department, PNP, and Bureau of Fire Protection.

Bottles & Cases

Apart from the content, you need to invest in bottles & cases, or else you will find it a huge burden to pay deposits on every delivery from your supplier. You can purchase bottles & cases from the distributor.

Delivery Personnel

The success of your business depends significantly on the delivery personnel that you employ. The person should be honest and can be entrusted with money. There were instances that our delivery boy declared that he lost his sales that day then for us to find out afterward that the money was never lost. He stole the money.

Your staff should be diligent in selling your products. In this business, it is scarce to get a delivery boy that would stay longer at the job is strenuous, and the pay can be lower than average.

Delivery Vehicle

You need to place a portion of your starting capital to buy a delivery vehicle. As a start-up dealer, the cheapest mode of delivery is a tricycle. But if you have enough money, then it is still best to acquire a small delivery truck. Based on our experience, this is the best and the most effective delivery tool.

Profit

Although this business demands an enormous capital, the earnings derived from it is relatively low. The markup margin per case of soft drinks is 7-9 pesos only. Profit from beers is somewhat higher. Success in this business depends upon the volume of cases being sold.

Disclaimer

EarnPeso holds no control over your financial fate. It is here as a guide. Exercise prudence in every investment or business you undertake, and success will follow.

I hope this article encourages you to start your own business/investment. Click the links for Business Ideas and Investment Options for more insightful essays.

Chat with me

I have ventured into an e-commerce business (online selling) that you might also be interested in setting up. You can visit our website at colibers.com, where you can have a chat with me (just select Contact Us), and I will be more than willing to entertain your questions regarding this post and e-commerce.

Mini Grocery Store Business Plan

With over a hundred million population, the Philippines is a massive market of consumer commodities, especially daily household need such as food. Grocery stores provide easy access to the products required by the public.

Back in 2012, we have opened a modest grocery store in Montalban, Rizal. Our small business began as a sari-sari store. Thinking of the potential of earning more, we have upgraded it to a small grocery shop where we offer both wholesale and retail.

Discussed below are the essential elements to be considered in opening a small grocery store.

Location

Where to put up your store is a really crucial factor to consider. In our case, we opened our grocery in our house font. It’s located inside a large subdivision. Our advantage was since the public marketplace is far from our location, people can spare money for fares if they buy from us.

Permits

You have to hold licenses to operate your business. You only need to visit your municipal or city hall to get these permits. You will be guided accordingly with a step by step procedure. This involves getting clearances from the Barangay, DTI, sanitary department, PNP, and Bureau of Fire Protection.

Products

Focus on the basic needs at the outset. Then listen to your customer’s suggestions on what they require and provide if it’s viable. Keep a complete collection of goods at all times. A one-stop store will draw in more customers. Maintain a good number of stocks to keep a constant flow of commodities.

Suppliers

The primary concern of a grocery store is where to get the stocks to sell. Getting the supplies from a wholesaler or from big grocery chains such as SM Supermarket, Robinsons, or Puregold is the common practice of sari-sari stores.

As a grocery store, you have to get your stocks directly from a distributor. Companies such as Procter & Gamble, Unilever, Fortune Cigarettes, Nestle, etc., have a distributor responsible for supplying the wholesalers. Here you can get huge discounts for purchasing in bulk. Through this, it will be hassle-free as goods are being handed over to your storefront.

Getting a Contract with Distributors

I’ll pass you a tip on how to get a contract from product distributors. Go to the nearest market (palengke) in your locality and observe the delivery vans while they are unloading their goods to the shops. Then approach and speak to the driver/trucking staff and ask for their office contact. Tell him that you have a store and you want to purchase their products. A sales representative will visit your store, and a contract will be checked upon.

On a regular basis, the distributor will unload products at your storefronts. You can receive a consignment contract with them where you can agree on convenient payment terms. We had 7 days to pay the product unloaded by Procter & Gamble, where we only issued post-dated checks.

Wholesale or Retail?

As you get your supplies directly from a distributor, you have a good discount with your products. This implies that you will earn more from selling retail, and makes it flexible to sell through wholesale.

Employee

This is a critical part of your business. Like any other well-established company, you have to select the best tindera. She should be a people person with excellent communication and interpersonal skills. And the most important of all she has to be honest and can be trusted in handling money.

If you can handle the day to day operations is better than employing someone. With a small customer base coverage, the success of a grocery is based on a good relationship with customers, mostly your neighbors.

Security

To keep your business secure from theft (by customers or even employees,) it is advisable to install a CCTV in your store. It is the best deterrent to a thief and excellent protection for your investments.

Competition

Maybe the most common problem of business is competition. We can look at it as both an advantage and a disadvantage. If you have a competition, you will strive to keep at the top of the game.

The entrance of popular grocery chains such as Puregold Jr and Savemore literally killed the small grocery stores that can’t keep up with the fierce competition. Unfortunately, our business has become a casualty of this urbanization.

Disclaimer

EarnPeso holds no control over your financial fate. It is here as a guide. Exercise prudence in every investment or business you undertake, and success will follow.

I hope this article encourages you to start your own business/investment. Click the links for Business Ideas and Investment Options for more insightful essays.

Chat with me

I have ventured into an e-commerce business (online selling) that you might also be interested in setting up. You can visit our website at colibers.com, where you can have a chat with me (just select Contact Us), and I will be more than willing to entertain your questions regarding this post and e-commerce.

Resolve Your Financial Problems Through Minimalism

You might be one of the many people who struggle financially. Your salary is insufficient to fund your monthly expenses. More so, your credit card invoices and debts are strangling you so intensely.

While there are many ways to increase your income, these might be unmanageable to do, if not more tiring, as these steal your valued time to relax and relish life.

Our usual fix is to work overtime, sell goods, perform services, or do part-time jobs to bring in an extra income. Many of these activities are so excruciating. With a full-time job of 8 to 12 hours, utilizing your spare time to earn more would be endless torture.

Yes, you would earn more, but the question is, “Are you happy?” Those activities deprive you of resting, relaxing, and savoring life. No wonder people today are so stressed and are just living a paycheck after the other.

In theory, there are two ways to increase your money: maximize your earning and/or minimize your expense.

If you make 1000 a month and your disbursement is 1100, then you are in a deficit by 100.

There are two options to solve this problem:

  1. Perform a part-time job to earn an extra 100; or
  2. Trim your expenses by 100.

Here is where minimalism comes in. Financial minimalism is done by cutting down unnecessary expenses. You are utilizing your money to buy only the needs and not the wants.

Needs are those you CAN’T live without, such as basic food, clothing, and shelter. Wants, on the other hand, are things a person CAN live without, such as toys, a mansion, car, air conditioning, smartphone, etc.

In 2014, I paid AED2900 monthly to rent a room. Today I’m paying only a rent of AED1900. With no increase in my income, I managed to save AED1000 a month.

I could have remained in the same AED2900 room but without savings. Instead, I had lessened my rental expense and built a substantial stock market investment portfolio using those AED1000 savings.

There are many things you possess that are not really of use or maybe of less importance to you. That blender, vacuum cleaner, toaster, expensive painting, or chinawares you have not used for almost a year now has to go. You can trade it for a profit or donate.

Before you acquire something, ask yourself first, “ Can I survive without this?” Remember to buy only your needs.

Many of us are living a lavish lifestyle but are buried in debt. Sell that car you have and close your liabilities once and for all.

Stop frequenting to expensive restaurants or cafes to flaunt your captured Instagramable photos.

Minimize that out of the country trips if those are not needed to survive life.

Give up buying your child a toy if he already has over ten toys. Instead, spend more time with him and establish meaningful interactions and experiences.

For OFWs, lessen the instances of sending Balikbayan boxes instead treat your kin with a simple gathering where you can improve more on interpersonal relationships and create meaningful conversations.

Material things can bring temporary happiness. Once the shoes that you gave become ripped off and disposed of, that person won’t remember you. Only the happy memories and fun experiences happened on a simple gathering like a night swimming, videoke party, sports match, or short trips will be relived forever.

By slowly removing unnecessary elements, you can to save money and concentrate your time and effort on more essential things such as family, business, and your dreams & aspirations.

We are living in a consumerist generation where we are encouraged to work hard, spend, go into debt, and work harder to get many of the best the world can offer—thus ended on living a pitiful life.

By being a minimalist, we instead focus on our personal development, family, spirituality, living sustainably, and contributing to the common good of society. This promotes a significantly higher level of life satisfaction and more experiences of pleasant emotion.

Disclaimer

EarnPeso holds no control over your financial fate. It is here as a guide. Exercise prudence in every investment or business you undertake, and success will follow.

I hope this article provides you essential information to improve your finances. Check Finance Tips for more insightful essays.

Do you have any questions? I would love to hear from you. Please leave a message in the comment box below or follow and message me on Facebook.

Reference:

  1. What’s behind the rise of minimalist living?

How to Get a Ride with Grab in NAIA

(Updated: 25.May.20)

A few years ago, NAIA (Ninoy Aquino International Airport) had been named by a travel website as the worst airport in the world. One of the reasons is the transport system (airport taxi) in which taxi drivers are overcharging their passengers. I have been an OFW for a decade now, and I have first-hand experiences with horrors at NAIA terminals. Grab’s introduction to the transport arena made my travel more secure and more accessible.

Let me share with you this fantastic transport option. Here are the details to book Grab.


Location

Grab operates in all 4 NAIA terminals. All of these are located outside the terminal building. Just look for that green Grab booth.

Terminal 1: Main arrival curbside
Terminal 2: Inner arrival curbside between bays 7 & 8
Terminal 3: Secondary curbside between bays 5 & 6
Terminal 4: Curbside

Booking

The attendant at Grab booth will ask your destination and will book the car for you. The good thing with Grab is you can book directly in their booth (no need for a smartphone/tablet with internet access). Make sure to provide your mobile number so you can track your transaction that day. Be extra careful and make sure to deal only with the person at the counter. Some people are posing to be from Grab. You would regret later if you mistakenly deal with posers.

Payment

The booking attendant will tell you the total fare. You will pay cash to the driver once you arrived at your destination. Pay whatever is the fare displayed on the driver’s Grab app. You can tip the driver, too. You will shoulder toll fees if using expressways.

Feedback

Grab has given me a very convenient and safe airport transport. Transport services at NAIA are notorious for overcharging customers. Grab offers a much cheaper fare compare to Airport taxis.

Destinations Outside Grab Service Coverage

Grab services at any destination in Metro Manila and to selected areas of its surrounding provinces. I have been booking Grab for a drop off in Bacoor Cavite, but the last time I tried to book for Montalban Rizal drop, I was advised it was out of coverage.

For other destinations in Luzon, you can use the Coupon Taxi. Before Grab, this has been my ever reliable transport buddy from the airport to home. The fare is fixed, and it’s one of the safest as they are commissioned by NAIA itself. I have a separate article, “How to Get a Coupon Taxi in NAIA.”

Disclaimer

EarnPeso holds no control over your financial fate. It is here as a guide. Exercise prudence in every investment or business you undertake, and success will follow.

I hope this article provides you essential information to improve your finances thru this money-saving tip. Check Finance Tips for more insightful essays.

Do you have any questions? I would love to hear from you. Please leave a message in the comment box below or follow and message me on Facebook.

Get a Free Worldwide Airport Lounge Access

(Updated 26.May.20)

Travelling could be very exciting, but for frequent flyers, it could be a pain at times. That is why airport lounges were introduced to ease the inconvenience caused to the passengers.

My Emirates Islamic debit & Citibank credit cards

An airport lounge offers a comfortable place for passengers to rest while waiting to board their flights. It provides a quiet place to relax and offers food, beverage, shower facility, wifi access, and entertainment such as TV, newspapers & magazines.

Pacific Club, an airport lounge in NAIA (Manila)

Usually, you have to travel Business or First class to obtain free access to the lounge or pay an amount of money depending on the airport. You can also be a premium member of an airline’s frequent flyer program that requires you to travel thousands of miles.

But do you know that you need not pay a hefty amount nor purchase a First or Business class ticket to enjoy this luxury? I’ve been traveling since I joined an airline in 2008 until today. But not only until 2013 that I started having access to an airport lounge.

My first lounge access was only applicable to the Marhaba Lounges at Dubai airports. I got this access through my finance loan account with a UAE bank (Emirates Islamic). A Titanium card was to me with access to Marhaba Lounges.

In December 2016, Citibank upgraded my 8-year-old credit card account to a Citi World Mastercard. One of the many benefits is access to over 1000 airport lounges worldwide through Lounge Key.

Marhaba Lounge counter at Dubai International Airport Terminal 3

You heard it right! It’s worldwide, and it’s free! I was delighted when I heard the news.

Wherever you are in the world, you can check with any of your local banks to get more information if they have the same offer. Conditions may apply.

If you are in Dubai, you can use any debit or credit card with Mastercard logo to access Marhaba Lounge at Dubai International Airport (DXB). If you are in UAE, check these links (Citibank and Emirates Islamic) to get more details on how to get this type of card.

Just a reminder, if you have a credit card, please be cautious about its usage. May have been buried in debt due to misuse. Check my other article 3 Tips to Successfully Manage your Credit Card for some helpful tips.

I hope this article provides you essential information to improve your finances by saving more money. Check Finance Tips for more insightful essays.

Do you have any questions? I would love to hear from you. Please leave a message in the comment box below or follow and message me on Facebook.

3 Tips to Successfully Manage your Credit Card

I got my very first credit card when I started working in Dubai way back in 2008. I got my very first credit card when I started working in Dubai way back in 2008. I had no idea about the blessings & curse of having one. A year after, when some of my colleagues got into legal troubles because of unpaid credit card dues, I felt thankful to a friend name Cherry who taught me how to manage my credit card effectively.

Here are the tips:

1. Spend within your means.

The credit card is not another source of income. It is a temporary source of cash. In the end, you will still pay for the amount you have used. So when you use your card, think first how you will pay for it. Some people are impulsive buyers. If they have credit cards on hand, they will end up buying stuff off the budget. It would be better not to take your credit card with you all the time.

2. Pay on time the full amount due.

Pay on or before the due date and pay not just the minimum amount but the full amount owing. If you do not pay the total amount, the bank will charge you with late payment fee & interest. Make sure you use the card only up to a level where you can pay on time.

3. For big purchases, apply for installments.

Some banks are offering zero interest on installment payments. But if they charge interest, it would still be lower than the late payment fee and interest charged when you miss payments. When I bought my mom a 45-inch TV using my Citibank credit card, I applied for a three-month easy payment plan.

I have been following the above tips since eight years ago. Never did I missed a payment, so I’ve never been penalized by the bank. I always avail of installment payment whenever I have massive purchases. And I have no problems with credit cards. It has given me free lounge access worldwide, and I earn frequent flyer miles from it.

I know people in Dubai who have been jailed because of credit card misuse. Likewise, I see a lot who have reaped benefits from credit cards. In conclusion, a credit card is a beneficial tool. There is no doubt about it. But you need to control its use, or else it will be a source of your life’s misery.

As I mentioned above, there are blessings that come along with the credit As I mentioned above, some blessings come with the credit card aside from being a temporary source of cash. There are many other benefits that you may enjoy, such as airport lounge access, buy 1 get 1 in Vox Cinemas, airport meet and assist service, and many others depending on the card. Please take the time to read my other article, Get a Free Worldwide Airport Lounge Access.

Disclaimer

EarnPeso holds no control over your financial fate. It is here as a guide. Exercise prudence in every investment or business you undertake, and success will follow.

I hope this article provides you essential information to improve your finances. Check Finance Tips for more insightful essays.

Do you have any questions? I would love to hear from you. Please leave a message in the comment box below or follow and message me on Facebook.

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