Cash Agad is a service that turns community-based shops and similar establishments into a neighborhood ATM. It has been operating in both far-flung and semi-urban communities for the past several years, allowing residents to make cash withdrawals, receive remittances and government cash subsidies,make balance inquiries, and get access to calamity funds and loan releases.
An Access-to-money Story From Mindanao
According to Elsa Pardo, a store owner from Lantapan, a municipality in Bukidnon Province, Mindanao, until today there’s just one single bank operating in their community.
When the bank’s ATM runs out of cash or is in need of repair, people will have to wait and endure a few days without cash. Those who can’t afford to wait would have to go to the nearest urban area which is some 14 kilometers away. Transport fares can get quite expensive.
According to Elsa, sometimes even these other ATMs also run out of cash or go offline. In such cases, people would have to return home and go back the following day.
How much more when quarantines were imposed due to COVID-19? Can you imagine how difficult their access to funds was?
“Mahirap dito noong nagka-quarantine. Hindi makalabas yung mga tao. Kaya sabi nila, it’s a good thing there’s Cash Agad. Kasi mas madali na sa kanila mag-withdraw ng pera. Kung pupunta pa sila sa malayo, madami pang aasikasuhing requirements. Kailangan pa ng quarantine pass. Travel pass. Very inconvenient. Pag dito sa Cash Agad, malapit lang tapos makukuha pa agad yung pera. Sandali lang ang queueing time,” Elsa explained.
Cash Agad is indeed one example of a bank’s faith in the resilience and resourcefulness of Filipinos in the countryside. Elsa’s story is just one of the pieces of proof that the unhindered access to cash provided by Cash Agad is crucial to people’s life whether or not there is a pandemic.
“Financial inclusion in far-flung communities is a driver for economic growth. Some places are too far away or located in terrain that make it difficult, logistically, to build a bank branch. Take for example some islands or mountainous regions. That’s why innovative services like Cash Agad are a way to bridge the gap. As more spending occurs in a community, the better for residents and businesses,” said Jim Nasol, Head of Agency Banking, BDO.
The service of Cash Agad affects wider than the household of the card holder. In a more expanded horizon, when you give the people in more communities ready access to cash, the spending and capital flow increase. Thus the local economy lives, grows.
*It was BDO Unibank Inc. that first originated the idea of the services offered by Cash Agad.
Indeed, productivity meets practicality as you own this latest Galaxy device.
“It has an expandable storage of up to 512GB, suitable for storing files, photos, videos, and music.”
The data and storage requirement of the corporate dealings in the “new normal” makes one feel the need to own a work smartphone. With the economical effect of the public health crisis though, the price tag has to be carefully considered. We need to own a budget work smartphone.
Intended to be the perfect partner for your online appointments and deliverables, SAMSUNG introduces its latest budget smartphone, the Galaxy A01 Core, for only PHP 3,990.
The Galaxy A01 Core features a 5.3” HD+ Infinity Display with 1480 x 720 px resolution for an easy viewing experience. It is also powered by a Quad-Core 1.5GHz processor with 1GB RAM and 16GB ROM, with expandable storage of up to 512GB, suitable for storing files, photos, videos, and music. The Galaxy A01 Core comes with pre-installed Google Apps for easy access to productivity tools. To add more to its cool features, the budget-friendly Galaxy device is packed with an 8MP main camera, 5MP front lens, 3000mAh battery, Android Go, and Travel Adapter for an exciting overall smartphone experience.
Indeed, productivity meets practicality as you own this latest Galaxy device. Do you want a Black or a Red design? The Galaxy A01 Core is now available nationwide. To know more about the Galaxy A01 Core, visit samsung.com/ph/smartphones/galaxy-a01core-a013.
About Samsung Electronics Co., Ltd.
Samsung inspires the world and shapes the future with transformative ideas and technologies. The company is redefining the worlds of TVs, smartphones, wearable devices, tablets, digital appliances, network systems, and memory, system LSI and LED solutions. For the latest news, please visit the Samsung Newsroom at http://news.samsung.com.
A longer battery life empowers you to achieve more in communication, entertainment and creativity.
A smartphone with longer-than-usual battery life. To be exact, a smartphone with 6000mAh extraordinary battery life. What does that mean to you?
For some, a longer battery life means more work done or more passion honed. For others, it means more calls heard, more deals closed. It really depends how a smartphone helps you in life. What is for sure is that a longer battery life empowers you as it helps you to achieve more in communication, entertainment and creativity.
True to the meaning of “pouvoir”, a French term for power, Pouvoir 4 comes with a powerful battery life at 6000mAh, capable of powering the smartphone for four days straight with just a single charge. It is the latest addition to the popular Pouvoir series of TECHNO Mobile.
As a synergy with its battery power, the smartphone possesses a storage power of 32GB + 3GB for the Pouvoir 4 and 64GB + 4GB and 128GB + 6GB for the Pouvoir 4 Pro models. It operates on TECNO Mobile’s HiOS 6.0, which is built on Android Q.
Pouvoir 4 is also equipped with a 13 megapixel (MP) artificial intelligence (AI) quad camera, two 2MP cameras and an AI lens at the rear, and an 8MP dual flash camera at the front. Its 7-inch HD+ Drop Display offers the best gaming and video viewing experience.
Pouvoir 4 flaunts a premium glossy and sleek design, and is packed with a range of cool features. This includes Face Unlock, Fingerprint Sensor for optimized security, and a dedicated button on the side that launches a virtual Google Assistant at any time.
Power up how your smartphone helps you in getting things done. Own a mobile device that is equally hardworking and performing as you. Be more Pouvoir-ful at Php4590 for the Pouvoir 4, Php5990 and Php6990 for the Pouvoir 4 Pro.
TECNO Mobile is a premium smartphone brand from TRANSSION Holdings. Upholding the brand essence of “Expect More”, TECNO is committed to giving the masses access to latest technology at accessible prices, allowing the consumers to reach beyond their current limitations and uncover a world of possibilities. TECNO understands the needs of consumers from different markets and provides them with localized innovations across a product portfolio featuring smartphones, tablets, and feature phones. TECNO is a major global player with presence in around 60 emerging markets across the world. It is also the global Official Tablet and Handset Partner of Manchester City Football Club. For more information, please visit: www.tecno-mobile.com
When are you going to start creating your investing story?
We have different investing stories. Mine began with Bonds. A bond is a form of loan where the holderof the bond is the lender (you), lets the issuer of the bond (government or company) borrow money with a fixed interest rate and definite maturity date. These are offered by the partner banks of the issuer. *Please do more readings before investing.
Why did I choose bonds, Government Bonds to be exact, as my first financial product? No it was not because of the interest rate. Though most bonds have higher interest rates than savings products offered by banks, the gain from bonds is not really that big versus other investment products in the market.
I elected bonds to be my first asset in my portfolio to teach myself a habit. I believe that one’s investing journey, though expectedly is filled with risks, should start with a rewarding emotional association of “It is true. I earned from it!” as a “When it was my first time to invest.” memory. The interest value of PhP 300 added in my bank account back then as my first income from the bonds I purchased is an immortal investing reminiscent of pleasure. That gratification conditioned me to search and shop more money-generating instruments in the market. When the government paid back the sum of the bonds I availed at the agreed maturity date, the emotions became more desirable, addictive but in a wholesome connotation. That feeling gave birth to my investing habit. That memory is a powerful take-off to the loftier heights of my narrative as a financial product shopaholic. Have you created such memory? You have to create it for your sake.
It is more affordable now to buy bonds. You can own the least at PhP 5,000. Also an equally inviting reason to own some bonds now is, you can buy it right from where you are NOW using the PayMaya app. Thankfully, you don’t have to go to the banks, get a priority number and so on.
HOW TO BUY BONDS USING YOUR SMARTPHONE WITH PAYMAYA
Digital financial services leader PayMaya has extended its financial inclusion mission into the retail investing space with the government’s Retail Treasury Bonds offering.
Partnering with Bonds.Ph, a new online investment platform powered by the Philippine Digital Asset Exchange (PDAX) , it will now allow small individual investors to avail of the government’s next Retail Treasury Bond (RTB) offering using their PayMaya accounts.
2.Register for an account using only your mobile number. Earn P100 upon registration! Just copy and paste this code upon registration: < 1p374rl >
3.Add Money to your account to pay for the Bond.
Add Money Tip: You can Add Money through the 7-Eleven convenience stores near you.
Tap “Add Money” found at the App. Then choose on the “Add Money Partners”, tap the 7-Eleven box. Type the amount and tap continue. Show the bar code to the nearest 7-Eleven cashier. Pay for the amount. Wait for the SMS confirmation.
4.Download the Bonds.Ph app from the App Store for iOS users and Google Play Store for Android Users.
5.Register and verify your account.
6.Go to the Cash In section of the app and select Pay with PayMaya.
7.Choose the amount you want to cash in, then complete the payment process after receiving the payment details in your email.
8.Once your account has been funded, choose the bond offering you want to invest in, review the transaction details, and click “Buy” *Prospective investors can invest in amounts as low as P5,000 up to an aggregate of P500,000.
9.The subscription will have an “Awaiting Subscription” status until the final allocation is completed. All orders are considered final upon placement and can no longer be cancelled.
10.To check the status of your investment, click the “My Orders” button in the Bonds.Ph app. An email will also be sent to you for the notice of successful purchase of the Bond.
11.Once the investment has matured, you may also choose to withdraw the proceeds from your Bonds.Ph account straight to your PayMaya account. Simply choose PayMaya as the account where you will cash out your earnings. There is a minimal fee of P5 for every cash out transaction made through your PayMaya account.
I bought a safe and fixed-rate financial instrument like Bonds not mainly with the expectation to gain big. I decided to buy some to create an enticing introduction of my investing story. It motivated me a lot. My story has twists but is definitely not ending anytime soon. When are you going to start creating your investing story?
*PayMaya is the only end-to-end digital payments ecosystem enabler in the Philippines with platforms and services that cut across consumers, merchants, and government. Aside from providing payments acceptance for the largest e-Commerce, food, retail and gas merchants in the Philippines, PayMaya enables national and social services agencies as well as local government units with digital payments and disbursement services.
Through its app and wallet, PayMaya provides millions of Filipinos with the fastest way to own a financial account with over 40,000 Add Money touchpoints nationwide, more than double the total number of traditional bank branches in the Philippines combined. Its Smart Padala by PayMaya network of over 30,000 partner touchpoints nationwide serves as last mile digital financial hubs in communities, providing the unbanked and underserved with access to services. To know more about PayMaya’s products and services, visit www.PayMaya.com or follow @PayMayaOfficial on Facebook, Twitter, and Instagram.
Banking and remittances are crucial to our survival, sanity, and happiness.
“Mahilig ang mga Pinoy sa drama eh. Pero pati comedy rin. Etong mga videos, parang pinagsama yan tapos may twist. Yung pangkalahatan na mensahe ng video ay kailangan natin ngayon: yung kasiyahan at pag-asa.” Piolo Pascual, Ex-OFW, Philippine Actor on the new BDO Remit video Ads.
*The videos are shown in BDO branches, on BDO’s YouTube channel and on BDO Kabayan Facebook page.
BDO Remit – through BDO Kabayan Savings – its special savings & remittance account for the overseas Filipino market – has become a lifeline for overseas Filipinos during the pandemic. BDO Remit has kept its services running to help Filipinos overseas and their families cope with the challenges of the pandemic.
CALL FOR BAYANIHAN
Piolo added that the new videos show precisely how to help. “In all the videos, mapapansin mo na kahit light and funny ang approach, malinaw ang mensahe: kapag ang kapwa Pinoy ay nasa alanganin, kapwa Pinoy ang tutulong. Hindi naman kailangan na solohin natin ang problema. Ang lakas ng Pilipino, nasa pagtutulungan, bayanihan. Especially during this pandemic, which is a huge, global problem, we need to call on the best in ourselves and help each other,” he said.
The new video commercials are light-hearted spin-offs or even slight spoofs of classic scenes in his movies “Milan” (with Claudine Barretto) and “Starting Over Again” (with Toni Gonzaga). As the videos’ release coincides with OFs’ present situation, they take on more significance and meaning in Piolo’s view.
Piolo has played several OF characters in various dramatic films–it’s a role that he also knows in real life because he used to be a security guard in Los Angeles, California before he achieved Philippine movie stardom.
“Ang drama natin ngayon, real life. Pandemic. Lost jobs. Quarantine. Sandaang araw na itong drama. Hindi kagaya ng drama sa pelikula, two hours lang. So we need relief, we need to feel lighter, to see that we can still smile. Ma-realize lang natin na, oo nga, okay pa rin tumawa, magsaya. Na meron pa ring pag-asa. May solusyon. We can always find ways,” said Piolo.
Funny videos help Overseas Filipinos (OF) bear the pandemic’s mental burden
Experts in the Philippines and other countries have been warning us: along with the wave of COVID-19 infections would be a wave of mental illness. There’s no avoiding that: people are anxious, afraid, and many have lost jobs and face an uncertain future. Add to that our collective isolation, loneliness, and dread. Overseas Filipinos (OFs) are particularly vulnerable.
Actor Piolo Pascual is among those calling for more support for OFs during the pandemic. He said that overseas Filipinos are already under a great amount of pressure as they face tough emotional, physical, and financial challenges. It’s not surprising then that some of them would have mental health issues.
“For decades, our economy benefited from billions of dollars in remittances. At this time, it’s our turn to give back and support OFs now that they are going through both a pandemic and an economic downturn,” said Piolo.
Reaching out, getting help
Piolo said that the most important thing that OFs need to remember is to reach out for help. “Marami kasi sa atin, may tendency to keep things to ourselves. Masyado tayong matiisin. Akala natin puntos para sa atin yung magdusa. No, it’s not. Kung malungkot ka, o masama ang loob, call a friend. Makipag-usap sa kapamilya. Wala namang award na ibibigay sa iyo kapag sinarili mo ang problema mo. Nagiging delikado lang lalo ang mental health mo,” he said.
He also reminded OFs not to hesitate getting professional help if needed. “There’s still a stigma over mental health. Sa panahon ngayon, hindi na dapat ikahiya ang mental illness. Tratuhin natin na tulad lang ng ibang sakit sa katawan.” He noted that there’s no shame in getting help in order to be better in our minds and emotions.’
Piolo added that people should be more empathetic and compassionate. “Pag may lumapit sa atin dahil nalulungkot, o may problema. Huwag balewalain. Sometimes, we say, ‘Kaya mo yan!’ pagkatapos iiwanan natin.. Hindi sapat yun. Huwag natin iwanan. Samahan natin tapos pakinggan natin.Hindi naman kailangan tayo ang mag-solve ng problema. Basta maiparamdam natin na hindi siya nag-iisa. Na nandon tayo to support him or her.”
All the new videos aren’t just fun and enjoyable to watch but also showcase how Filipinos, deep down, are ready to help someone in need. During this public health and economic crisis, all essential services–including banking and remittances–have become crucial to our survival, sanity, and happiness. The pandemic and economic crunch may last longer than expected. But as Piolo’s commercials show, in their own witty and hilarious way, we still have each other. And that’s worth the effort to keep on fighting and hoping.
Micro-, small- and medium-sized enterprises (MSMEs) can now add a payment option for online buyers.
To upkeep your business transactions despite of today’s global health situation,an entrepreneur has to adapt the new normal of the trade – Contactless (But safe and fast) payment option. Merchants can easily adapt to this without a need for an e-commerce website.
“As of May 2020, the Department of Labor and Employment (DOLE) have received temporary closure notice from over 50 micro, small, and medium enterprises (MSMEs) affecting almost 190,000 employees.”
The Philippines’ only end-to-end digital payments ecosystem enabler, PayMaya activates a mobile payment platform for micro-, small- and medium-sized enterprise (MSME) owners which enables them to accept up to PhP 250,000 worth of payment a month for free – The PayMaya Negosyo App.
How to Download PayMaya Negosyo App
It is PayMaya account for merchants. Compared with PayMaya consumer accounts that just have a P100,000 account limit for upgraded users, ‘Negosyo’ app users have a monthly limit of up to P250,000.)
Upload one valid government ID as well as a video selfie for liveliness check.
Wait 24 to 48 hours for the application to be reviewed and approved.
Start accepting digital payments right away whether from PayMaya users or account holders of other banks and e-wallet providers.
Once the payments are received in your merchant’s PayMaya Negosyo wallet, you can then transfer these amounts to your respective bank accounts via InstaPay.
“As more consumers begin to prefer shopping online and paying using contactless methods, PayMaya Negosyo will give our MSMEs the easiest and fastest way to accept digital payments from across a variety of sources–all they need now is their smartphone and a valid ID,” said Shailesh Baidwan, President of PayMaya.
Physical distancing and online purchases are already part of the norm for everyone. The silver lining of this pandemic in the context of business perhaps is, It encourages consumers to trust the convenience of cashless and contactless payment. With the the surge of online purchases, the “PayMaya Negosyo app” weans not just the consumers but also the merchants by making contactless transactions easily adaptable as a new normal.
PayMaya is the only end-to-end digital payments ecosystem enabler in the Philippines with platforms and services that cuts across consumers, merchants, and government. Aside from providing the payments acceptance for the largest e-Commerce, food, retail and gas merchants in the Philippines, PayMaya is enabling national and social services agencies as well as local government units with digital payments and disbursement services.
Through its PayMaya app and wallet, it is providing millions of Filipinos with the fastest way to own a financial account with over 40,000 Add Money touchpoints nationwide, more than double the total number of traditional bank branches in the Philippines combined.
Its Smart Padala by PayMaya network of over 30,000 partner agents nationwide serves as last mile digital financial hubs in communities, providing the unbanked and underserved with access to services.
Have a strong, healthy family at home and at work too!
“The listed items are to be used regularly in synergy with healthy food choices, active lifestyle and adequate hydration as well as quality sleep and effective stress reduction strategies.”
It is indeed a booster to our sense of belonging every time we reminisce how our mere workmates from the very first day of work become an extended family after how many met deadlines, resolved conflicts and released paychecks with performance bonuses.
But how can you say if the people inside the office really treat you like a family?There are perhaps several ways. The most I am sure of though is when the office people do not just coach you plainly about your corporate responsibilities. It is when these same people also teach you health tips and wellness advisories, “persistently”.
In the list below are wellness essentials I recommend to my family at work. These are my must-have items when I visit my only trusted health retailer, Watsons. These are all inside my work bag per shift.
The work schedule makes it hard for us to consistently buy the natural food source of vitamins and minerals. This fails us to achieve the enough daily nutritional requirement to be healthy. Thus, having handy tablets at your work pouch makes it easier for a hard working person like you to maintain strong immunity.
This is indeed the most specific item in the list for the corporate persons who are tasked to talk almost entirely in their work hours like the sales and marketing team. Apart from the daily work demand on your throat, the varying room temperatures among several sales venues makes your throat dry and more vulnerable to pathogens. Ascertain that you have a healthy URT daily to deliver your persuasive spiels. Guard it with an Antibacterial “candy”.
Brushing your teeth is not enough to deter the growth of bacteria in your mouth that might predispose you to more serious health concerns. An antiseptic gargle both disinfects your mouth and gets rid of unpleasant smell – a plus point when networking.
The product in this list which I am the most thankful of. This is my portable and economical “aroma therapy and sleep-inducing scent”. It simply works like an instant drug for me. It relaxes, soothes and brings me to a sound sleep like magic. Roll that stress away!
6. (Elective) Facial Mask (DEOPROCE COLOR SYNERGY EFFECT MASK YELLOW SHEET – Snail and Honey, PhP 65)
Skin care products which contain Snail extract had helped me a lot in maintaining a pleasant complexion for two years now. The agent in the Snail slime which repairs damaged tissues and restores hydration made my skin look more well-nourished and highlighted my face to dictate confidence, credibility and presence in my corporate dealings.
When we start looking after each other’s health, not just because we value the contribution of that person to the department’s success, but more importantly because we care for the life aspirations of that person, we do not plainly see the structure as an organizational chart anymore. Now, it is a family tree. A new normal in the workplace. May nothing can easily topple your team’s immunity. Have a strong, healthy family at home
Watsons is part of the Health and Beauty Store chain of A.S Watson, the largest health, beauty, cosmetics, and perfumery retailer in the world. Today, Watsons H&B Asia is the leading health and beauty chain in the continent with successful operations in 13 markets.
In 2002, A.S. Watson Group joined hands with SM Prime Holdings Inc., the Philippines’ leading shopping mall developer. The partnership brought about the first Watsons stores in SM Megamall and The Podium (Ortigas). Watsons now has over 700 stores in the Philippines, serving more than 100,000 customers nationwide.
Watsons strives to ensure that their customers get the best value for their money through monthly promotions, special offers, and continuous consumer marketing programs. Each Watsons store houses nothing but the best brands from top manufacturers all over the world and also carries its own competitively priced, high quality private labels and brands. With more than 1000 brands ranging from medicines, cosmetics, and fragrances to personal care items and general merchandise, Watsons Your Personal Store delivers only the best health, wellness, and beauty solutions to each and every customer.