What To Expect When You Travel To Cebu in the Philippines

Would you believe that some foreign travelers have thought that Cebu, the country’s oldest city established since the arrival of Spanish colonizers in mid 16th century, is not part of the Philippines? This idea could probably be considered indirectly and outrageously disloyal in form to the Philippine Republic. But when you have been to Cebu, you begin to understand that in more ways than one, it behaves differently from much of the rest of the Philippines.

Why is this so? There are many varied reasons, but the main core behind the belief is that Cebu has grown to be best known for its more than unusual, active responsiveness to the needs of entrepreneurs, particularly the home grown sort. These entrepreneurs have continued to gain headway, have built pioneering ventures, and been taking lead in making Cebu among the most attractive travel destinations in this side of Asia, if not among the top 3 destinations in any reputable listing. They have helped transformed Cebu among the most investor-friendly local governments in the Philippines when it comes to collaboration in many fields in business. In Cebu can be found several business districts that offer the best facilities and technology to many industries, including international and domestic shipping, air traveling (it’s the home of “Cebu Pacific” – an airline that has successfully competed against the well-entrenched “Philippine Airlines”), furniture design and manufacturing, telecommunications, business process outsourcing, tourism, export, manufacturing, among others.

Cebu the city shares the same name as that of Cebu the province, which happens to be also the name of the island where both are sited. The location is a narrow-shaped elongated island, surrounded by other much tinier islands, that you can pinpoint in the map of the Philippine archipelago somewhere in the Visayas region, or somewhere almost in between Luzon (the biggest island) and Mindanao (the second biggest island), amidst all other islands that are much bigger than Cebu.

At the turn of 20th century, you will still see news records with claims by other nearby cities to the lovely moniker of “Queen City of the South” but ever since the worldwide plunge of the sugar commodity prices that gravely affected the local economies of these other cities, Cebu has since reached heights that made it the strongest city in terms of economic leadership and performance even next, and may perhaps set to overcome the National Capital Region which is Metro Manila (located in Luzon), in time.

Other than those covered above, what else makes Cebu a very attractive, must-see travel destination? A visitor can always check any available information online by doing a Google, but it is best to read from the works of those who have been actually to Cebu before, including this writer. The city (referring to Cebu, which forms part of the Cebu Metropolitan Area) is adjunct to other cities and municipalities. They include the cities of Danao, Lapu Lapu (where you will see a statue of the brave leader who fought Magellan and his crew who did not know any better, and that resulted to a tragic but now historical ending), Mandaue, Talisay plus 8 other municipalities currently.

Cebu hosts several strategic infrastructures found in central Philippines. As such, it hosts one of the Philippines’ busiest airports, as well as among the busiest domestic shipping ports of the country. Tourism has then evolved into one of Cebu’s major industries, such that direct air travel has been made available for visitors coming from places like Narita, Hong Kong, Inchon, Kota Kinabalu, Singapore, Pusan, Taipei, Kuala Lumpur, Doha, Kansai, and Pudong.

What would you be doing in Cebu as a traveler? Or what should consume your time as a first time visitor in Cebu? You can visit the nearby famed beach resorts, with white sand beaches and clear blue waters that dot the island, that are never more 45 minutes away. Depending on your budget, number of companions, as well as your available time, Cebu provides the best among housing facilities, shopping malls, hotels, restaurants, casino, fun and entertainment establishments (probably) for all imaginable tastes and preferences, educational institutions (short term courses, plus those requiring longer stay to pursue degree courses), and other facilities that are at par or even better than what you may have back where you have started your trip.

For starters, you may follow the heritage tour usually pursued by regular tourists. This itinerary will bring you to locations including Magellan’s cross (where the then-leader Rajah Humabon and his followers were baptized as Christians when Magellan landed in Cebu’s shores in 1521), the Basilica Minore del Santo Nino (the Philippines’ oldest church, that contains the image of the infant Jesus given to the wife of Rajah Humabon), the Fort San Pedro (built on the earliest settlement of the Spanish colonizers), and Colon Street (the Philippines’ oldest street) that can be found in downtown Cebu.

As it were, a lot of materials are easily available online and on printed sources about Cebu. Your impression from these readings may perhaps make you seriously consider Cebu – a tropical island travel destination that promises to give you best value for your money for travel and leisure. What probably has made this author visit Cebu at least 15 times in the past, and join all the visitors and guests who have been to Cebu is that this travel destination continues to remain in the active radar on where to go to travel in this part of Asia. Its people have remained staunchly confident of its place in the consciousness of those who have heard of Cebu. As such, its populace would rather speak Cebuano (used by at least 20 million people) than any of the languages used in the Philippines (unless you would prefer to talk in English which is widely used and spoken here, too).

Cebu reminds the author of the pungent smell of a variety of dried fish (“dangit”) that sticks in his clothing whenever he shops for them in the public market (“tabuan” in Cebu). This fish when cooked crisp serves as great breakfast food, or something to be relished when it’s cold. Just like the smell of this dried fish, Cebu is easy to fall in love with, as “it sticks to your skin.” Cebu has constantly evolved to be among the top choices of an ideal place to go, play or stay, whenever the traveler has grown weary and disenchanted with what can be found in his / her point of origin, even for a short while. Remember, even Magellan and his crew got so enamored with what Cebu offered them, over 400 years ago, and the rest is now history.

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Why Home Improvement Is As Much About Improved Hygiene As Improved Style

If you were to ask home owners what they would change in their home should they begin a major home improvement project, the answers would be familiar. They would admit to maximising the living space, modernising the kitchen or enhancing the bathroom facilities to include a large tub or maybe a walk in shower room.

The theme generally relates to a combination of practical and aesthetic values, making the everyday living facilities better while also seizing on the chance to modernise the design and layout of the home. But there is another value that should not be overlooked and, in fact, tends to be addressed almost subconsciously. That is home hygiene.

With the provision of extra space, the installation of new facilities and the general modernisation of the home, there is a chance to purchase new and improved equipment. So, the old, inefficient vacuum cleaner can be done away with and a new Miele vacuum cleaner bought, or the old plastic kitchen bin that has seen its day can be replaced by a modern Brabantia bin.

It might seem at first glance like a rather trivial issue, but the fact is that since improving the home is all about creating an improvement in living conditions, the chance to improve the level of cleanliness and health in the living space is a core value. For this reason, it is well worth making an investment in the best and most modern models that cater to floor, air and refuse management.

Floor Management

Keeping the floors of a home clean is hugely important. Between the build up of bacteria on the tiles of a kitchen floor, to the dust and dirt that gets trapped in the fibres of a carpet or rug, there is plenty of health concerns on our floors.

It looks simple enough to keep tiled, laminate and wood floors clean. Most of us mopping them regularly, using floor detergents to ensure bacteria are killed off. But it is worth noting that most cylinder vacuum cleaners are effective on hard surfaces when it comes to daily cleaning.

Of course, carpets are a different matter, and a quality vacuum cleaner is necessary if their cleanliness is to be maintained. This is where cylinder or upright vacuum designs are both highly effective, providing deep cleaning by powerfully sucking dirt and dust from the fibres.

Air Management

Vacuum cleaners can play a part in improving the air quality in a home simply by removing so much of the dust particles that would otherwise be blown through the air. The air clean filter that is fitted into Miele models ensures that the maximum percentage of particles remains in the bag.

The development of hand held vacuum cleaners, meanwhile, means that dust on practically every surface can be sucked up. Crucially, this type of vacuum cleaner permits access to some of the tightest areas, like on top of cabinets and wardrobes, and on curtains, pictures and even clothes.

Of course, there are other items that aid in the filtration of dust and micro organisms from the air. Proper ventilation systems, air sanitisers and air dehumidifiers all have a part to play too.

Refuse Management

Perhaps the most logical way of managing home refuse is to have bins, but there are some modern standards in bins that can improve health conditions at home greatly. For example, a Brabantia bin is more than just a storage area for refuse because amongst the range are bins that have tightly fitting lids to ensure even odours remain trapped inside. Whether the bins are pedal, touch, senor or slide operated, the fact is that the lid closes automatically, ensuring higher levels of hygiene.

Some also have compartments for the two chief types of waste, namely paper and food, which means that house refuse can be more effectively recycled. The fact that the interior of these bins can also be easily wiped clean, means that cleanliness in the bin itself is easy to manage, while the availability of mini bins to sit on the work top or table means food can be dispensed of more quickly and conveniently than ever before.

Taking on a home improvement project is a major thing. But the benefits are not just stylistic or practical, but also have to do with health too not least as it provide an excuse to purchase a better Miele vacuum cleaner.

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Real Estate Investing – Books,TV Infomercials, and Seminars

Real estate investing has become popularized today because of real estate investing TV infomercials and traveling seminar circuits. But real estate investing has not always been so popular.

In the 1960s, William Nickerson wrote, “How I Turned $1000 into Three Million in Real Estate” and “How to Make a Fortune Today Starting from Scratch.” It was one of the first real estate investing books to get national attention. A little later, Al Lowry authored “How You Can Become Financially Independent by Investing in Real Estate.” Al Lowry might be called “the father of the modern-day real estate seminars,” because he was the first to hold seminars as a result of his book sales.

But it was Mark Haroldsen who carried the real estate investing book/seminar thrust to the next level. Haroldsen wrote, “How to Wake Up the Financial Genius Inside You.” If you were tuned in to real estate investing at that time, you remember the newspaper and magazine advertising showing a picture of suave and bald-headed Mark leaning against the front hood of his Mercedes. The picture appeared everywhere in full page ads of major publications. And as Mark began selling his books, he began holding real estate investing seminars. I have had lunch with Mark and Al Lowry as they swapped stories of the advertising blitzes that vaulted them into national prominence for their real estate investing prowess. Mark later wrote “The Courage To Be Rich” and “Tax Free.”

But it was Robert Allen who capitalized on the previous groundwork by Lowry and Haroldsen. Robert Allen was reportedly paid $1 million advance royalties for his best-selling book, “Nothing Down,” a compilation of 50 techniques for buying property with no money. Robert had learned these techniques from several years experience with a commercial real estate firm. He later wrote “Creating Wealth” and “Getting Started in Real Estate Investing.” The Robert Allen Real Estate Investing Seminars became a phenomenal marketing bonanza. Conventions were held in the major cities across the country, like Orlando, LA, Dallas, Chicago and Atlanta. The authors of various real estate investing techniques spoke at these seminars, but their spiel focused on selling packages of real estate investing materials that they offered for sale. Millions of dollars of real estate investing materials were sold at these 3 day conventions. The convention frenzy ushered in what has since become known as “The Nothing Down Real Estate Movement” of the early to mid-1980s.

I keep all of these books in my personal library, and you can probably still find them in your public library and book stores. There’s a lot of great information in these books that can make you very knowledgeable, even though some of the ideas are out-dated.

We are now presented a variety of ways for making money in real estate investing in TV infomercials, books and seminars. Which is best? Who can say? Real estate investing is learned through trial and error. Real estate investing skills and techniques are acquired by practice. I don’t think anyone can dogmatically recommend a technique best for another person. Every real estate investor has unique needs and is in a unique situation. Objectives of real estate investing differs.

However, if you are limited with real estate investing educational dollars and need to generate quick return on investment, I think fixing up cheap houses is an ideal beginning point. Real estate investing in makeover properties generates quick, profitable dollars with low risk.

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Improve Your Poor Credit Score and Secure Yourself a Loan

So you are thinking of getting some extra money to make some urgent home repairs, the porch door needs replacing, along with a new hot water system. Unfortunately you do not have the money in the bank, but neither do you have a secure porch door or any constant hot water.

Have you considered personal loans? A lot of people take out personal loans for this type of repair. Car repairs and even holidays are used by people with their newly acquired finances. Most people have heard that a poor credit score is not a good thing (However even those that have a poor financial history can still get loans). But how do you make a good rating?

One of thing major pieces of advice from experts, before you apply for finance it is best to get a credit report completed from a reputable source. This will give you an idea of the chance of getting your application approved. In the United States of America there are three levels of credit rating, basically the higher it is the better it is.

An excellent rating is above 760, a good rating would be between 700 and 759 and a poor rating would be between 640 to 699. if you are at the top end, 760 and above then there is no point in making your rating any better. However with other ratings it is worth trying to improve as it will help your chances of succeeding in the application.

There does seem to be a bit of a chicken and egg situation sometimes, you need finance but have a poor score,but to improve you need a lender to give you a chance. Well, luckily there are things that you and your family if you have one, can do to improve your rating.

Having a poor rating does not mean you have to be stuck with it, starting to pay the bills on time instead of late or not at all will start to get you on the right path. Some lenders will still give applicants loans even with a low score, but the total given will be lower than usually and the percentage rate will be considerably higher. So you will pay more over the period of the finance.

Families can help too. If a member of your family has a good rating then some credit card companies can add you to that family members credit card as an authorized user, this will help with any poor credit score. Also having a family member with a good rating co-sign the loan could help you get what you need.

Finding the correct lender for your score is a good way to make sure that you are getting what you deserve, if you have a high score you deserve some of the best deals on the market. Instead of going to your bank or card company you can go online and search for a matching company. Companies like this are a good place go to make sure you achieve the best deal.

What are a matching company and what do they do? You enter your details on their online program and your information will be fed to several of their approved lenders, in turn the lenders will then return to the matching company with a list of loans that they are able to offer.

Once the offers come back it is then up to the applicant to choose one and complete all the necessary paperwork. A check will then be received within a matter of days and your new boiler and door fitted soon after.

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Payment Options for Shopping All the Way

Everyone is busy. Busy in shopping online and in the malls. Popular online portals are breaking and making new sale records! All thanks to the convenience and the availability of easy payment options and funds!

Here are few of the factors that are making online businesses a success

Credit Cards: A credit card is plastic money. It is one of the easiest form in which a person gets a personal loan.

All online portals as well as retailers in malls accept credit cards issued by various banks.
Online payment becomes very simple and safe, thanks to the one time passwords generated for such transactions.
A PIN is sufficient for shopping using a credit card at any retail store.

Personal loans for shopping: When we apply for a personal loan, we don’t have to provide the financier with the details of what we want the loan for.

Thus these days’ personal loans are being used to finance shopping.
They can also be used as wedding loans, vacation loans and educational loans.

Payment Processing: As far as payment processing is concerned, the following factors matter to both the consumer and the online retailer.

Uncomplicated manoeuvring on website: It is important for the payment process to be step-by-step and easy to understand. Most websites work on this section very carefully and thus the online shopping experience is satisfactory.

Processing Costs: Processing costs matter to the retailers. More the processing fees they have to pay to providers of payment gateways like Visa, the lesser are their margins. So to have an effective business the processing costs need to be low.
Number of payment options: Multiple payment options should be available for the customer to make payment. This makes the shopping a convenient proposition.
Time taken to process transactions: Processing time not only tests your patience but sometimes also the strength of your internet connection!

Cash on Delivery: This is also known as “collection on delivery.” This is a very popular mode of making payments for shopping in the developing world.

It enhances impulse purchases.
A credit card is not an essential possession for the buyer.
The buyer can check the quality of the product and then pay

So this festive season, do not hesitate to shop and to gift! The availability of funds for shopping is not difficult anymore. Also the convenience of online shopping has brought various retailers to our doorstep. So let us shop all the way!

An easy way of shopping is using a credit card. It forms an integral part of most people’s financial planning. When used in the right manner, it helps reduce financial liability and optimizes financial resources.

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Are Online Personal Loans Good For People With Bad Credit?

While the rise of online lending in itself makes it more convenient for people to apply for finance, is this development a good thing for those who are already struggling? There are companies out there who charge expensive annual percentage rates (APRs), leaving many people in more trouble than when they first started.

But it doesn’t have to be this way. Over the last few years, online lending has earned itself a bad reputation. The internet leaves many people vulnerable to fraud, so you should always exercise caution when inputting your financial details. The best way to make sure your information remains safe is to find a secure, reliable lending platform.

There is an unfair irony attached to lending today. Those with bad credit are often led to believe they have no financial options if they have made mistakes in the past, often making their situations seem more desperate than they actually are. This can result in people making bad decisions and can lead to borrowing through unstable sources.

Meanwhile, any lenders that do accept you with bad credit will charge extortionate interest rates because of your history, making it more difficult for you to meet your monthly repayment obligations – thus worsening your situation. This is a trap that many people fall into, and it gives online installment lenders a bad name.

However, this doesn’t need to be the case. If you can find yourself a reliable lending platform, you will be connected to a secure network of trustworthy lenders who can offer sensible solutions to your borrowing needs. Many of these lenders will assess your application, even if your credit file isn’t perfect or your income is lower than average.

Instead of (or in some cases, as well as) running credit checks, these lenders will take other factors into consideration, including your income and employment circumstances, and how long you have lived at your current address. They may even ask for references they can contact who will vouch for your character personally.

Even those who receive benefits as a form of income will be able to apply, giving everyone a fair and carefully considered chance of borrowing money. In these cases, applicants won’t be accepted for higher loans than they can afford to pay back, and interest rates will be low, meaning there is a better chance of managing repayments.

If you have poor credit and need to borrow money, consider a personal installment loan, but make sure the APR is advertised between 5.99% and 35.99%. There should also be a number of options in terms of flexible repayment, offering you the chance to pay the money back anywhere between six months and six years, depending on what you can afford to pay per month.

Small, carefully considered personal loans could actually help you build a financial profile making you eligible for better future borrowing. As long as the lender is responsible, and offers reasonable interest rates, online lending platforms can actually give people with more opportunities than many other lenders in terms of improving their situation.

With this in mind, personal loans can be beneficial to those hoping to improve their credit score, but only if some caution is exercised by both parties, and you only apply to borrow an amount you can afford to pay back.

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Five Reasons for Refusal of a Personal Loan

Don’t you wish personal finance were a mandatory course in college? Unfortunately, too many of us learn by mistake. When you need a personal loan and are rejected, you might be baffled as to what went wrong- and how to fix it. Here are some clues.

NO CREDIT

No credit is a situation where you have never used credit and therefore have no credit history for the bank to review. They have no way of making an educated decision on whether or not you will pay back a personal loan based on your credit history. No credit is worse than bad credit. Qualifying for and making regular payments on these types of introductory forms of credit can overcome a “no credit” score:

· Student Loans

· Secured credit card (includes a down payment amount)

· Being added to a parent’s or spouses good credit: card, car loan, etc.

LOW CREDIT

Low credit takes on several forms. If you’re using more than 30% of your allowable debt, it can negatively impact your score. Too many inquiries from shopping around for loans will also hit you hard. Lapses in payment, defaults, or bankruptcies are giant red flags and can take a long time to rebuild from.

Other things that lenders may look at are whether or not you have sizeable assets should you default on the loan. They also check to see if your debts are diversified or if you are only carrying one type of debt.

INCOME

Proof of income is generally required when applying for a personal loan. If you are unemployed or underemployed, it can work against you in the loan approval process. Lenders may also require a work history to see how long you have been with your current employer, and to determine if you typically have job stability. Frequent job loss or change will tell a creditor that your payments may not be reliable.

PURPOSE OF THE LOAN

Believe it or not, your application can be rejected due to your proposed purpose for the loan. Financial institutions have the right to set up the parameters surrounding their disbursements and can accept or reject your application based on what you want to use the money for.

BLACKLISTING

If you’ve defaulted on debt before, your name may be put on a list of whom not to loan to,’ also known as a “Blacklist.” This will follow you around for a long time and is difficult to erase. If you do resolve the debt issues, get documents to prove the resolution.

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How Can A Personal Loan Improve Your Credit Score?

When it comes to a personal loan, you have to first learn to use it responsibly. Because if you miss a repayment, your credit score will be impacted adversely. And remember, that a credit score is an indicator of how well you manage your personal finances. Also, it plays a defining role when you apply for any kind of loan – secured and unsecured. It is suggested to apply for a loan slightly larger than what is needed so that you will be assured to have enough money to pay all bills necessary and still have some money left over to ensure that your bank account stays current.

A credit score can be defined as a number which reflects the financial situation of a person. If the person is well-off when it comes to financial matters, then he or she is said to have a high credit score. On the other hand, if a person is the exact opposite of this, then they possess a low credit score. There are a lot of factors that are considered by financial institutions for the purpose of evaluating a person’s credit score – usually, the credit scores of people vary from 300 to about 850.

A personal loan is a type of loan that is given by digital lenders, banks and credit unions to aid you in your plans, be it starting a small business, or making a big purchase. Personal loans tend to have an interest rate(s) lower than the credit cards; however, they can also be put to use for combining several credit card debts together into one monthly lower-cost payment.

Now, your credit score is built by keeping in mind various parameters from your credit reports. These reports serve the purpose of trailing your history of utilization of the credit across the duration of seven years. These credit reports are comprised of information, including how much credit you have utilized to date, the type of credit in your possession, the age of one’s credit accounts, whether one has put in for bankruptcy or liens filed against them, actions of debt collections taken against them, one’s total open lines of credit as well as recent inquiries for hard credit.

Like any other type of credit, personal loans are very capable of affecting your credit score. This can be done through the process of applying and withdrawing a personal loan. If you are curious as to how personal loans can end up affecting your credit, then read on to find out more about the context. There are many ways in which your credit can be affected by personal loans and some of them are listed below:

The ratio of your debt-to-income and loan

Debt-to-income ratio is considered to be the measure of your amount of income that you spend on the debt repayments. In the case of lenders, the amount of income that you receive is said to be one of the major factors proving that you are able to repay your loan.

Some of the lenders have come up with their own debt-to-income ratio so that their proprietary credit scores may make use of it in the form of a credit consideration. Do not fall into the kind of mindset that possessing a high amount of a loan would hurt your credit. The most damage it can do is raise the ratio of your debt-to-income so that you won’t be able to apply for loans anymore without it getting rejected or denied.

Paying loans on time will make credit scores soar

The moment your loan is approved, you have to make sure that you settle the payments of each month on time and in full. Delay in repayment may significantly impact the state of your credit score. However, on the other hand, if you make the payments on time every month, then your credit score will soar high, leading to an overall good score. This will not only make your name to the preferred borrower’s list, but it will prove to be beneficial for you in the long run.

Since your payment history is comprised of almost 35% of your credit score, paying loans on time is essential in cases like these so that your credit score can maintain a positive status.

Variety is built into your credit type

There are about five factors that are responsible for determining your credit score. These are composed of the payment history, the length of the credit history, the utilization ratio of the credit, the credit mix and new inquiries of the credit in accordance with FICO®.

The credit mix only accounts for about 35% of your total credit score, whereas when it comes to a personal loan you can have a varying mix of the credit types. This mix of all types of credit is viewed at a high level of approval by the creditors and lenders.

Origination fee charged by loans

Most of the lenders end up charging you an origination fee. This fee cannot be avoided at any cost and is instantly taken off from the amount of the loan payment. The amount of origination fees depends upon the amount of the loan you are about to borrow. Late payments can lead to an overdraft of fees and late expenses. Therefore, make sure that you pay complete repayment for each month before the deadline.

Avoiding penalties when it comes to payments

Some of the credit lenders tend to charge an additional fee if you end up paying your part of the loan earlier than the agreed date. This is because they are looking for moderate amounts of interest on your loan. Now, seeing that you have paid off your part of the loan before time, they will miss out on that interest that they could have possibly made if you had not cleared the debt soon enough before the deadline.

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