Halos isang buwan na mula noong nagkaroon ng enhanced community quarantine (ECQ) dito sa amin, at ilang araw pa ang magdadaan bago ito matapos sa ika-30 ng Abril (kung hindi ito patatagalin pa). Sabi ng research, kailangan mo ng halos 21 na araw bago ka magkaroon ng bagong habit, kaya malamang marami na ang nasanay sa ECQ.
Kailangan pa rin nating alalahanin na hindi magtatagal nang habang panahon itong pandemic na ito. Bukod sa pagbalik sa opisina at pagbalik ng mga estudyante sa iskwelahan, may mga bagay na kinakailangan pa rin nating gawin dati bago nangyari ang lahat ng ito.
Habang irerekomenda ko na ipagpatuloy pa rin natin ang social distancing at lumabas lang kapag kinakailangan, kailangan pa rin nating pagplanuhan ang mga trabahong kailangan nating gawin pagkatapos nitong quarantine. May mga kailangan ka bang gawin sa trabaho, negosyo, o sa bahay? May mga lisensya, clearance, o mga registrations ka bang kailangang kunin o iparenew? Pagisipan mo na sila ngayon habang may oras pa tayo!
Narito ang ilang mga bagay na gagawin ko kapag natapos na ang mga restrictions ngayon.[Read more…]
It has already been over a month since our government ordered an enhanced community quarantine (ECQ) in our area, and we have several days to go before it ends on April 30th (if it doesn’t get extended). Research said that it takes around 21 days to get a new habit so by now most people have already settled into daily routines designed around the ECQ.
We have to remember, however, that this pandemic will NOT last forever. Aside from a lot of us returning to office work and students returning to school, we’ll still need to finish the things that we needed to do before this all happened.
While I’d personally recommend that we continue to practice social distancing and go out only when necessary, we have to start planning for the work that needs to be done after the quarantine ends. Are there things that you need to do for your job, business, or your household soon? Do you have licenses, clearances or registrations that you need to get or renew? Start planning for them now while we still have some time!
Here’s a quick list of ideas based on what I plan to do once the restrictions have been lifted.[Read more…]
May isa kang kailangang pag-ipunan bago ka magsimulang mag-invest, at ito ay ang emergency fund. Palagi tayong may makakaharap na problema sa buhay, at ang kaunting perang nakalaan para sa mga ito ay makakapagligtas sa atin mula sa napakaraming masasamang sitwasyon. Bukod pa roon, makakagamit rin tayo ng napakaraming magagandang oportunidad sa buhay dahil dito.
Narito ang ilang rason kung bakit kailangan mong mag-ipon para sa isang emergency fund. (Tandaan mo din ang huling beses na pinag-isipan at pinaghandaan mo ang mga ito, at kung ano ang gagawin mo kapag mangyari sila.)
There’s one thing you need to save for before you start investing, and that is an emergency fund. Problems happen all the time and a little extra free cash saved specifically for emergencies can get us out a lot of terrible financial situations. Aside from that, it lets us pursue excellent opportunities as well.
Here are a few reasons why you need an emergency fund. (Just think about the last time you thought about these things, and what you would do if any of these ever happen.)
*Contributed by Satchit Hasabnis.
Are you looking out for a business loan? Have you recently applied for a loan but had your application rejected? Why do you think your business loan application was rejected? This depends on certain factors which you may not be entirely aware about. There could be several reasons why your business loan was denied.
These are 8 major reasons why business loan applications are rejected.
Bad Credit Score
Though you are applying for a business loan, your personal credit score does affect your chances of your loan’s approval. This holds true even if the company has been in existence for a while. In case your personal credit score is bad then the financial institution may not trust your financial position much. Thus the bank may hesitate to provide a loan as your repayment history would not be up to par. It is very important to keep your own credit score strong by making regular payments. Review your credit score time and again and take steps to repair it.
Some industries or areas of business could be considered as risky in nature, by traditional banks and lenders. For instance, hotels and restaurants can be seen as risky to lend or fund as there is a high failure rate involved. If this is why your business loan application gets denied, then try looking out for other financial institutions that lend to the industry your company operates in.