Globe Postpaid Plan Renewal: Free Device

May 26, 2021, I decided to renew my existing Globe Postpaid plan of ThePlan PLUS 599 (Consumable 799 Sim Only) which I acquired in 2020 to GPlan 599 with Device Samsung Galaxy A11 for free.

The process was simple. Just go to Globe Postpaid Plans, Devices, and Exclusive Perks click on Renew My Plan

And choose your preferred plan package. In my case, I don’t intend to upgrade and pay more than what I am paying so I chose GPLAN with Device PLAN 599

May 28, 2021 at 1:45 PM, I received a call from Globe notifying me of the approved renewal. According to the representative, the device will be delivered by June 2, 2021.

On the same day at 4:43 PM, I received a notification about the status of my order being changed to: Ready for Delivery

Plan Comparison of ThePlan PLUS 599 and GPlan 599

I find the new plan better considering that I am mostly at home with my own Fibr WiFi, and I call a lot due to work demands. Moreover, I get to have a new budget smart phone which I eventually sent on June 2, 2021, for P4,000.

May 31, 2021, the unit was delivered at 4:30PM. The courier will ask you to present 2 valid IDs and sign 3 pages of papers.

With the overall experience, I am happy and satisfied. I get a new budget smartphone and get to have unlimited calls to all network.

Peso Manulife Horizons Min 10-Pay

It was the year after my father passed away that I had the awakening to acquire insurance. After a lot of research and meetings with different insurance company agents, I decided to sign a contract with Manulife.

I was already 30 years old when I signed the contract with Manulife. I had to consider the premium I’ll have to pay and the number of years I have to pay it. In my mind, I thought that I wouldn’t be willing to pay my insurance forever. Good thing that Manulife has a term of 10-year pay with investment in it. I don’t have any responsibilities because I am single, and am also employed which provides me insurance as long as I’m employed. That is why I did not choose a high life coverage plan.

My premium ended up at P5,015/quarter but if I acquired it at a younger age, it could have been lower.

Manulife Horizons Min 10-Pay Coverage

Life coverage: P600,000

Effective date: April 27, 2017

Expiry date: April 27, 2086(I would be 99-yo at this point)

Additional Benefits:

Accidental death Benefit: P600,000 (if my cause of death is due to accident then an additional P600,000 on top of my Life coverage of P600,000 will be claimed by my beneficiaries)

Enhanced Critical Illness rider: P200,000

I did mention that apart from the insurance benefits, this package includes investment. I allocated 60% of my fund holdings to Peso Growth Fund and 40% to Peso Diversified Value fund. It was April 27, 2017 when my Manulife insurance took effect and as of Aug 12, 2021, my total fund value is running at P31,283.80. I find this really good and am positive to save more.

All in all, I am satisfied with my decision to take Manulife. It has an online website where you can check the status of your plan and pay your premium. It is very convenient.

Knowing that I have this as a back up for my siblings if something unfortunate happens makes me at ease and ready.

ST PETER MEMORIAL PLAN

Back in 2009, my Marketing professor told us that one of the first things young individuals should consider having is a memorial plan.

In 2016, my father died. Everyone in the family was mourning, but at the same time working on different tasks to settle hospital bills, wake arrangements, and all other stuff related to death that needs to be dealt with. He didn’t have a memorial plan nor insurance. So, while feeling devastated, I together with my siblings were also feeling tired and anxious. That was my awakening point. I thought, I will make sure that when I die, my family won’t have to worry about the bills and would have a well-deserved time to mourn and comfort each other.

Right after the wake, I signed contracts with:

•  St. Peter and bought 2 units of memorial plans for myself and my mother
• Manulife VUL insurance: 10-year payment term
• St Therese Columbarium: bought a vault good for 4 urns (P50,000 in 2016 if paid in full/cash)

For me, the 3 things listed above would be very important to acquire as early as possible but this article focuses on St. Peter life memorial plan.

I chose St Gregory package which only costs P1,880/quarter for 5 years in the year 2016. I am not very particular when it comes to caskets. You’ll just have to stay there for a week and have it disposed or donated (that’s what we did with my father’s). I don’t think there’s someone who’d keep a casket somewhere considering that my father was cremated and that’s also how I want to go.

As of this time in 2021, the package’s price has gone up to P2,605/quarter. This means that you may also consider buying a unit as an investment because just like other things, its value appreciates.

If you search online, you’ll see some stories when they got scammed by agents that is why you’ll have to make sure that you are dealing with a credible agent. Preferably someone you know. It would also be wise to keep your account updated every now and then. You can do so by calling St Peter’s line (02) 8371-7757. They’ll provide you the information you need such us the last time you paid or your next due date.

In April 2021, I have already completed my payment for the 2 units I bought. My certification of full payment has been picked up from the main quarter of St Peter, and am just waiting for it to be delivered to me by my agent.

Now I have completed 2 out of 3 items from my checklist. Will only have to continue paying my premium for 5 more years to fulfill my insurance.

This is not something that I prepare for myself when I die but more for my family if the unfortunate happens. Be responsible.

DITO 5G SIM CARD

May 27, 2021, placed my order of DITO Sim Card via Shopee for Php199 (free delivery).

May 29, 2021 at 11:00AM, the sim was delivered to me. I immediately tested it.

You just have to insert it to your phone and you’ll receive an SMS notification about the sim’s activation with its corresponding number.

Here is the speed test result tested in the same area (Tandang Sora NIA – NPC):

At this moment, among all internet service providers that I have, DITO has the fastest speed. This may be used as back up though the 25 GB data is good for 30 days only. I hope that they can meet the offer of GOMO with no expiration. If that happens, then DITO could definitely beat Globe and Smart.

Right now, the sim card has limited compatible smart phones and so to speak, routers. Before purchasing, check their website to see if your phone is compatible for the SIM.

DITO Telecommunity

GINVEST: ATRAM Philippine Equity Smart Index Fund

I have an aggressive risk appetite and among the 5 available funds GINVEST offers, I focus on ATRAM Philippine Equity Smart Index Fund.

Whenever it’s payday and I see that the value of my chosen investment is lower than my initial investment, I decided to buy additional P500.

So as of May 28, 2021, 10:17PM, my portfolio runs:

Total Investment: P3,000

Total Running Value: P3,132.99

Net Profit/Loss: P132.99

I am not a pro when it comes to investments, but I opt to distribute my limited excess income to different investment opportunities to maximize the chances of me winning.

June 8, 2021, my running balance has gone up to P3,201.17. with 31.5 units.

I decided to sell all my units which gave me a total earning of P201.17.

June 11, 2021, I received an SMS notification that my sell order is confirmed and that I will receive P3,251.72 on June 15, 2021. I was only expecting P3,201.17 but ended receiving more!

As of June 15, 2021, my portfolio runs:

Total Investment: P3,000

Total Withdrawn: P3,251.72

Net Profit/Loss: P251.72

June 15, 2021 at 10:00PM, I P3,251.72 was credited to my Gcash account.

June 18, 2021, I notice a slight drop in ATRAM Global Consumer Trends Feeder Fund. I bought P1,000 worth of units (the minimum investment)

On July 17, 2021, I sold P1,040.91 worth of units of ATRAM Consumer Trends Feeder fund however, on July 28, 2021, only P996.42 was credited back to my GCASH account. This means that this kind of investment requires long period of time to take good profit as the amount you sold is not guaranteed.

As of August 12, 2021, my portfolio runs:

Total Investment: P3,000

Total Withdrawn: P996.42

Net Profit/Loss: -P3.58(From withdrawal)

Running value: P1,967.66(Which is below the total invested amount of P2,000)

So moving forward, I will just keep on investing and target to take another withdrawal on June 21, 2026.

PH Review: Current Music Earning Application

Interested to earn while playing music? Try Current: The application where you play music and get paid!

Started 1 month and 1 week ago. Make sure to perform all simple tasks such as updating your profile to earn fast and charging your phone while playing music would make the earning even faster.

The first Gift card I redeemed was the Bonus Bucks Gift Card. It is worth 4,000 points but worth it. The gift card accelerates your earning of points on top of Super Boost.

The next goal I set was the $3 PayPal gift card. After a month from my first redemption, I reached my goal and redeemed my $3 PayPal Gift card. According to the application, it may take up to 7 days for my PayPal to be sent. May 9, 2021 was the date I redeemed it and on May 13, 202, $2.88 USD was credited to my PayPal account from Current Media LLC. There was no notification received, out of curiosity I just checked my PayPal account and found out about the credit. According to the Note, the reward doesn’t include the processing fee which I assumed to be the reason why I did not get the whole amount of $3.

All-in-all I’d still consider this music earning application as a good stuff. I get to listen to music for free, and earn a couple of dollars!

If you find yourself interested, please be generous to register using the link below:

https://crrnt.me/0BRZyPEm8eb

PH: Can’t Sleep? Kirkland Signature Allergy Medicine 25 Mg

Before we start let me remind you that physicians highly discourage us to self medication. This blog is only to share my experience with the product.

Order placed on May 4, 2021 and received on May 6, 2021.

While searching for antihistamine medicine to help me sleep, I found this product and saw a lot of positive reviews.

Bought in Lazada: Health Boost MNL Shop for P330 and free shipping. It contains 60 minitabs and can be compared to Benadryl because it is a Diphenhydramine HCI 25 mg.

May 6, 2021 at 8:16 PM, I took 1 tablet with milk. At 9:56 PM, I’m still wake, so I took 2 more tablets. 10:16PM and now I feel sleepy. 50 mg is my dose. Will really knock you off.

If you are interested and would like to give it a try, you may click this link below to be routed to the exact Lazada shop where I bought it:

https://7r6.com/kirkland

https://7r6.com/kirkland

PH: Topping Up CRO Card

There are two ways to top up your CRO Card

• Crypto Wallet
• Credit/Debit Card

It is preferrable to top up via Crypto Wallet if the value of the coin you’ll use is equal or has increased its value from the amount you purchased it.

Nowadays, cryptocurrencies are on their vulnerable state, that is why I recommend using Credit/Debit card.

In the Philippines, so far, I tried Union Bank (MS), Security Bank (MS), and Citibank (Visa) however HSBC(Visa) is the only bank pushing through.

Though there’s a note below, my Citibank Visa was also not accepted:

Important thing you’ll need to know is that the minimum amount must be SGD100 and there will be a fixed Quasi Cash Fee of PHP200 for every transaction.

TIP: Determine how much are you going to spend using your CRO card and top up at least that much amount or more. In my case, my goal is for my card to have enough amount for the monthly Spotify fee, therefore I just made an initial top up of SGD100.

May 4, 2021, I used my Ruby Card to place order in WalterMart. The total amount was PHP2,161.50 and on that time CRO value was $0.1574. Considering that CRO value was low, I expect more cashback. And I believe this is also one thing I will start considering when using the card. I got deducted a total of SGD60.05 for the PHP2,161.50, and immediately received the card cashback of 5.07237579 CRO. Amazing!

Here is the summary of my CRO Ruby activities with their corresponding cashback

How to Update Spotify Country to use CRO Card Cashback Benefit

The first time I tried updating my payment details to use the cashback benefit of my CRO Ruby Steel card, Spotify didn’t allow me with a prompt stating that I have to update my country information.

Now, for the benefit of those who are having the same difficulty with what I experienced 2 weeks ago. Here is a simple guide to successfully do it.

1. Log in to spotify.com

2. Click on ‘Account Overview’ then go to ‘Your Plan’ and click on ‘Update’

3. Go to ‘Change Country’

4. Find the country in the list and directly click on it: i.e ‘SINGAPORE’

NOTE: You’ll have to literally click the country instead of searching it on the ‘Find your country’ field

5. You will then be routed to the Change payment detail page where you can finally update your payment details with your CRO card.