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Around 1.7 billion people in the world are unbanked, according to the 2017 report of Findex. In the Philippines, the number falls in between 10 million and 100 million. The unbanked, who are usually the low-income individuals, are at a disadvantage when they try to borrow money from financial institutions since they lack credit history that will prove their capability to pay … [Read more...] about Lending Money Without a Credit History

It might seem like an oxymoron to say that you can prepare for unexpected costs. However, this is possible if you take the right steps. While a cost may be unexpected it doesn’t mean that you have to be in a state of shock when it hits you. You can guarantee that you will be able to quickly bounce back. Let’s take a look at some of the ways that you can get this right. Add Up … [Read more...] about Solutions For Unexpected Costs

  Do you often stay awake at night wondering what would happen to your kids or your spouse if you died? Well, worry no more! Here are eight killer ways to organize your estate, so your loved ones are covered:   Your will: The easiest and most popular method of managing what happens to your estate is to write a will. A will dictates what you want to happen … [Read more...] about 8 Killer Ways to Organise Your Estate

Living in the present has advantages, but planning for the future can be beneficial, especially when it comes to your finances. If you’ve decided that it’s time to take control and start looking forwards, here is a handy checklist to help you prepare. Retirement planning You might feel like retirement is a lifetime away, but we all know that time flies. Even if you’re in … [Read more...] about Financial Planning For Your Future: A Checklist

  Rental properties are a great business venture that can guarantee a steady stream of income - if your tenants don't cause you any trouble. According to the Association of Residential Letting Agents, a landlord that owns a property for a 15-20 year period is likely to have at least two rogue tenants. They could be criminals, unruly dwellers who damage your … [Read more...] about Tenants: Problems and Solutions