4 Ways to Make Extra Money This Summer

One might want to make a little extra cash to fund your savings, or that eventual big spend this coming summer season. This could be easy if you are eager to find earning opportunities as well as be able to use your resourcefulness to put up that side business.

In the hyper-connected age we live in today, there’s can be little excuse to put up that side business you want. There are always more than one way to make a little extra cash, and here are four ways to make extra money to get you started.

1. Sell your photos to stock photography websites
Remember those stock photographs you saw online, or the wallpapers your gadget came with? Many of those were actually taken by people and sold online, as opposed to edited or taken specifically for turning it into a stock photo.

Note that stock photography websites like FotoliaEnvato Market, and Shutterstock will need hi-res submissions, so make sure that you get the best resolution when you shoot photos.

2. Sell your notes
There are sites that allow you to upload your old subject notes for other students to download at a price.

Websites like Notesale ask that you upload these notes as PDFs for anyone to download. You can set a price for these notes as well, but nothing outrageous, as your clients are students, after all.

3. Get Paid for Searching the Web
Since you spend a lot of time online in any case, why not make extra cash? If you’re window shopping, doing research, or just browsing through at random, you could make a little extra cash from sites like Qmee.

You’ll have to install an add on, and click the links that have cash rewards in order to earn money, which is sent to your Qmee piggy bank, which can be transferred to you via PayPal, or donated to a charity of your choice. There’s also a mobile app for your on-the-go needs.

4. Sell your old textbooks
A time-honored tradition exists for people who’d like to dispose of books they no longer need, or no longer want to read. When that happens, you head for Recto. Used bookstores line the streets, so you’ll have no shortage of places to dispose of old books, but keep these things in mind:
·          Books in better condition fetch a higher price.
·          Editions closer to the current will also fetch a higher price.
·          Sell directly to the buyers inside bookstores for better prices.

Recto is a bookworm’s paradise; you never know what you’ll find perusing the stores. Your best bet is to sell to the bookstores inside buildings, if you want the best price for your books.

There are also a lot of other alternative ways to make a little extra cash online, like writing reviews, or full papers for interested buyers.

When it comes to making extra cash on the side, one just has to do a little research and a little legwork. Most of these are also part-time, so feel free to invest as little or as much time as you like to earn that extra cash.

About the Author:
Kyle Kam is a Digital Marketing Specialist of MoneyMax.ph, a financial comparison website aiming to help Filipinos save money through diligent comparisons of financial products.

The Parable of the Pencil

Have you been experiencing difficulty these days? Or wanting to give up? 

Wag kang panghinaan ng loob! Basahin mo muna eto. Sana ma-inspire ka sa kahit anong paraan.. 

The Pencil Maker took the pencil aside, just before putting him into the box.

“There are 5 things you need to know,” he told the pencil, “Before I send you out into the world. Always remember them and never forget, and you will become the best pencil you can be.”

One: You will be able to do many great things, but only if you allow yourself to be held in Someone’s hand.”

Two: You will experience a painful sharpening from time to time, but you’ll need it to become a better pencil.”

Three: You will be able to correct any mistakes you might make.”

Four: The most important part of you will always be what’s inside.”

“And Five: On every surface you are used on, you must leave your mark. No matter what the condition, you must continue to write.”

The pencil understood and promised to remember, and went into the box with purpose in its heart.

"A painful sharpening. You need it to become the best pencil you can be."
Now replacing the place of the pencil with you. Always remember them and never forget, and you will become the best person you can be.

One: You will be able to do many great things, but only if you allow yourself to be held in God’s hand. And allow other human beings to access you for the many gifts you possess.

Two: You will experience a painful sharpening from time to time, by going through various problems in life, but you’ll need it to become a stronger person.

Three: You will be able to correct any mistakes you might make.

Four: The most important part of you will always be what’s on the inside.

And Five: On every surface you walk through, you must leave your mark. No matter what the situation, you must continue to do your duties.

Allow this parable on the pencil to encourage you to know that you are a special person and only you can fulfill the purpose to which you were born to accomplish.

Never allow yourself to get discouraged and think that your life is insignificant and cannot make a change.

"In Getting Life Insurance, Choose the Right and Best Partner Company " - Tita Helen, Investment Advocate

I met Tita Helen (not her real name) during my presentation to her daughter which happens to be my friend. I was amazed on how passionate she is and encouraged her daughter to sign up for a plan right away. 

You see, things like investing is important to discuss among family members. Parents inspire their children or vice versa to take charge of their future. Do you agree? So make saving for the future a family affair. 

When I began to ask about her experience and where the passion is coming from, she decided to share it with us.

Here it goes:

It was in the late 1990s, when my husband and I got our very first life insurance policies. Life is good back then because of our business so we wanted to secure our family’s future especially for our children. We were able to send our four daughters to good schools and I must say, our family is well provided for at that time. 

But there was something unexpected happened to our family business and after a decade, we decided to stop its operation.

We were so devastated at that time. Monthly bills and children’s tuition fees continue to increase yet our bank savings accounts were dropped to almost zero. And we got no choice but to discontinue paying for our policies. I deeply regret that decision because I am a firm believer of life insurance because of the benefits our family had received over the years.

My husband began to look for a job and we decided that I will take care of our children instead. Thus, I became a housewife.

Two years later, I received an envelope from Sun Life (yes, we got our policies from them) thinking that since we were not able to pay anymore, it might be a demand letter or something obliging us to pay for the policies. So, I decided to keep the envelope and not to read it. 

And then, someone from their head office was calling us and asking if we have read the letter and encash the check already. So I asked myself, “What check are they talking about? Don’t they know we’re not paying our policies anymore?”

But I trusted my instinct to look for the envelope which I almost forgot where I put it. Luckily, I found it and was surprised to see the check that had an amount more than we actually paid for.

I read the letter, this was because of demutualization.

I got this from their website: “Demutualization benefits are benefits that were issued to eligible Sun Life policyholders during the company’s conversion from a mutual insurance company to a publicly traded company.”

Who would have thought there exists a company like Sun Life? It was when the time you had nothing or just simply started out again to cope up from business’ loss, and then you received something you never thought possible.

From then on, I always share this to my family and friends. And also, to our children. In getting life insurance plans, it is important to choose the right and best partner company that will fulfill its mission from generations to generations. 

Also, to start investing as early as they can so they will reap the rewards early too.

And I won't definitely forget what Tita Helen shared as she ended her story:

Do you know someone who has experienced the same?

photo: source

Types of Car Insurance Coverage You Should Know

When you're looking to apply for car insurance, what coverage are you looking for? Do you even know what other car insurance coverage there is besides the Compulsory Third Party Liability (CTPL)? 

Do you know what CTPL entails?

There's a lot to know before you buy a car and insure it! Knowing which coverage does what can help you make sure that your car is well-protected. A comprehensive car insurance policy may be too costly for some, so all the more reason to know about different types of coverage and what it does for you. Be sure to read the following before you decide to buy car insurance!

Liability Insurance 
Probably the most basic car insurance coverage you will ever need, liability coverage helps cover expenses from damaging a vehicle or injuring a person in a car accident. Third party liability therefore is insurance against injuries, damages, and/or death of any person other than a passenger. Third party liability, however, doesn’t cover loss or damage to property.

Uninsured Motorist Protection 
Just what it says on the tin, this is coverage or insurance that protects you if you get in an accident caused by an uninsured motorist. That means, it pays your cars damages when the motorist responsible for the accident doesn’t have liability insurance. This coverage can cover you when you’re not inside your vehicle and an uninsured motorist hits you.

Underinsured Motorist Protection 

Unlike uninsured motorist protection this one helps pay your car's damages when the vehicular accident is caused by someone who has inadequate insurance. It protects you in two ways: property damage and bodily injury. These can also help pay for you and your passenger's lost wages and medical expenses due to the accident.

To help explain further, if the damages caused by the underinsured motorist totals PHP150,000. The underinsured motorist can only cover PHP 50,000, so you will have to cover the remaining PHP100,000. Having underinsured motorist protection can help you pay the remaining expenses.

Comprehensive Insurance 

Comprehensive means complete, or including all or nearly all elements of insurance. When you have comprehensive insurance, you’re also covered on vandalism, weather damage, flood, and even theft. Of course, the features of comprehensive car insurance varies depending on the insurance provider you select, so be sure to compare the different comprehensive insurance plans offered by all insurance providers available to you!

Collision Coverage
This coverage helps pay for damages to your vehicle in the event of a vehicular accident. What sets it apart from liability insurance is that collision coverage includes expenses when you’re the one at fault in the accident. It helps you pay for repairs and other out-of-pocket expenses. Just be sure to ask your provider how much the deductible is so you won't be paying too much!

Medical Coverage
Medical coverage in a car insurance helps cover your medical costs related to an accident, regardless of who is at fault. This also covers medical expenses for your passengers, as well as any third party. It even complements your personal health insurance since it can help bridge the gap that your health insurance doesn't cover, such as nursing care and other chiropractic services related to injuries caused by the accident.

Personal Injury Protection 
This coverage is more in-depth. Personal Injury protection covers lost wages due to the auto accident, rehabilitation services, and even funeral costs and services. Unlike medical coverage, however, Personal Injury Protection has deductibles, so be sure to clear that up with your insurance provider! 

Got all that? Then you’re ready to get your brand new car the car insurance it deserves! 

Do you want to open an account/plan for your:

- Life Insurance to protect your family
- Critical Illness fund to protect your finances
- Insurance with Investment for your income protection PLUS retirement/health fund

Do you need Financial Planning consultation? This is absolutely free of charge and no obligation. 

You may contact Jacqui, who will journey with you towards a secured financial future, through the following:
Mobile number/viber: (+632) 933-2014898 (sun)
Email address: jacquinoynay@gmail.com / jacquinoynay@styleyourfinance.com
Twitter: @jacquinoynay 


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5 Ideal Places to Visit This Valentine’s Day

(This is a guest post from Kyle Kam, one of our friends from Money Max PH. The Philippines’ leading financial comparison website. He's an online marketing specialist and whenever he’s not working, he’s busy at home watching MMA videos the whole day. You may follow him on Twitter @undisputedkyle)

In a relationship? You may get a lot of pressure from your boyfriend/girlfriend to plan something spectacular for this coming Valentine’s Day. The good news is that the holiday falls on a Saturday this year, so conflicts with your work schedule is less likely.

Some more good news: you don’t need to spend a ton of dough to show your date a good time! A growing number of local malls like Greenbelt, Eastwood City, SM Mall of Asia, and Bonifacio High Street are pretty enough that you can take your date out for a stroll without draining your wallet. If you’d rather step away from malls, however, we’ve got a handful of budget-friendly date ideas you can try.

1. Intramuros

Want to invoke the history and romance of Old Manila? We’re suckers for the former Walled City of Intramuros, which is excellent for much more than school field trips. Have lunch amidst the rustic cobblestones of Casa Manila, take a tour of the San Agustin Church & Museum, or hire a kalesa to take you around Fort Santiago in true cheesy-romcom fashion.

2. The Collective

Immerse yourself in Makati’s artsy crowd and visit The Collective, located along Malugay Street. This eclectic hangout is the ideal watering hole for the city’s most creative minds, with a fun selection of shops and restaurants where you can always try something new. Come for the art, stay for the atmosphere. Either way, you and your date are gonna enjoy yourselves.

3. Maginhawa Street

If you or your date are avid foodies, you’ll find plenty to smile about at Maginhawa Street. Located at Teacher’s Village in Quezon City, Maginhawa Street is home to several small but cozy restaurants that’ll definitely fulfill your cravings. Whether you’ve got a sweet tooth or a health-conscious lifestyle, you can’t miss this much-loved culinary destination.

4. Little Tokyo

If a Japanophile has stolen your heart, then Little Tokyo is a must-try for your future date nights. Situated along Makati’s Chino Roces Avenue (Pasong Tamo), Little Tokyo is a charming compound at the heart of the city that perfectly captures the spirit of the Far East. Here you can sit down to a meal of authentic Japanese dishes like sushi, okonomiyaki, ramen, soba, takoyaki, and shaved ice desserts.

5. Salcedo Weekend Market

While not as chill and laid-back as the Legaspi Weekend Market every Sunday, this popular haunt is a great way to spend a lazy morning with your significant other. Held every Saturday at Salcedo Village’s Jaime Velasquez Park in Makati, the Salcedo Weekend Market lets you sample world cuisines and shop for one-of-a-kind buys all in one place. This is not your usual neighborhood palengke!


Wherever you plan to go this Saturday, be sure to plan ahead! Make restaurant reservations in advance, as the demand for intimate dinner settings will be sure to skyrocket on the 14th. Make the proper arrangements with your transport. Fill up your tank, update your car insurance policy, and do all the necessary maintenance checks so you don’t end up stranded on EDSA with a busted engine. 

And if things don’t work out, always have a Plan B ready just in case!