Life is good with a credit card. With a BDO Credit Card, even better.

Life is good with a credit card. With a BDO Credit Card, even better.

Do you find it cumbersome to always have to carry cash? Have you missed out on a dream purchase because you didn’t have enough cash on hand? Or had to forgo an online plane ticket purchase for a family trip? With a credit card, these worries are a thing of the past, offering you convenience and peace of mind.

Credit cards open up a world of benefits, especially when used wisely. They are universally accepted, allowing you to travel, dine, and shop without the burden of cash. Plus, they often come with a range of rewards, discounts, and deals, making your experiences more enjoyable and cost-effective.

Despite the numerous benefits, some people are hesitant to apply for a credit card, often due to concerns about high interest rates. However, by using your card sensibly and paying on time, you can fully enjoy its advantages. It’s important to choose a card that suits your lifestyle, and with responsible use, it can significantly improve your life. 

Having a credit card means that you can typically gain access to exclusive discounts or benefits, receive rewards, and earn points, which could be redeemed for travel, dining, or cash equivalent for daily purchases. Credit cards also offer substantial cashback rewards for purchases made at supermarkets, gas stations, pharmacies, and with other merchants, including airlines and partner restaurants that have special discounts and seasonal promos you can enjoy with your loved ones.

A credit card is an extension of your spending capacity. It enhances your purchasing power, especially in securing products and services – from your everyday needs, such as gas, groceries, coffee, and medicines, to high ticket items, such as treating your family to a staycation or vacation, finally getting that gadget you have wanted for so long, front row concert tickets to your favorite band, upgrading your home appliances, or buying your loved one a jewelry for that important milestone.

Depending on your choice and lifestyle, credit cards offer entertainment treats, privileges, seasonal dining promos, free travel insurance coverage, cashback on overseas shopping, and the ability to buy now and pay later, to name a few. There are various incentives, too, including travel benefits, hotel and restaurant discounts, and travel perks (such as the privilege of relaxing in posh airline lounges) to make your trips stylish, more exciting, and twice the fun!

Online shopping? Credit cards assure you of a more protected and seamless e-commerce purchase with features like encryption, multifactor authentication, and fraud monitoring.

A credit card from BDO, one of the leading banks in the Philippines, for instance, offers year-round deals and exclusive dining deals for up to 50% off. It also provides ‘Buy Now, Pay Later’ options, a feature that allows you to make a purchase and pay for it in installments over a period of time, often without interest. This, along with 0% interest on big-ticket purchases, lets you earn Peso Rewards and more.

There is no better time than now to own at least one BDO Credit Card! When you apply for a  BDO Credit Card, you can get up to a P25,000 cashback credit when you meet the minimum spending requirement. The promo runs until October 31, 2023. Qualified cards are Mastercard, Visa, JCB, UnionPay, Diners Club, and  BDO-issued American Express. Terms and conditions apply.

 

Successful Business Surviving the Pandemic, Turns Out This is the Key!

Successful Business Surviving the Pandemic, Turns Out This is the Key!

Successful Business Surviving the Pandemic, Turns Out This is the Key!

Hayokerja.com’s participation at the Indonesia SME Summit and Expo 2023 offers creative solutions that help many companies to increase efficiency in terms of workforce fulfillment.

Founded in 2019, hayokerja.com started its journey as a
simple start-up with a team consisting of only three people. By bringing the
innovative idea of combining a job portal with head hunter consultation,
initially this company was quickly accepted as an additional creative solution
in dealing with employment fulfillment problems. However, like most other
companies, when the pandemic occurred, instead of increasing the number of
employees, many client companies actually wanted to reduce the number as a measure
to survive this situation.

This challenge was then faced by hayokerja.com by adapting
and changing its business model which gave birth to a new idea, namely an
application platform-based partnership system, plus integrated social community
system management. In this way, hayokerja.com clients can flexibly increase or
decrease the number of workers needed according to the situation.

Alexander Ivan Tirta, CEO of hayokerja.com said, “This
concept turned out to be effective in providing assistance to companies
affected by the pandemic, especially logistics and warehousing companies which
require a flexible number of workers, when they are busy they ask for a lot of
human resources, and when they are quiet they asked to reduce the number of
human resources”Image

The HayoKerja booth at the Indonesia SME Summit and Expo
(ISSE) 29-31 August 2023 was widely visited, where CEO Alexander Ivan appeared
as one of the speakers.

After almost 5 years of existence and believing in the
success of its concept, the company took a big step forward. Appearing at the
ISSE 2023 offline event, hayokerja.com introduced itself to the public for the
first time.

“We have learned a lot, done a lot of trials and found
solutions for workforce efficiency that really help our clients’ businesses,
especially in difficult times. Initially we limited the number of clients that
could be served, because we realized that this concept was still new and needed
proof by “Now, after almost 5 years of testing, we are now ready to open
the doors to help new clients,” said Ivan.

Throughout its journey since it was founded in 2019,
hayokerja.com has been recorded as having helped more than 10,000 worker
partners to get jobs and helped 20 companies survive the pandemic with this
concept, from micro to multinational scale.

HayoKerja is a labor supplier with a partnership or daily freelance concept through an application platform and integrated social community management.

Asia groups rally against IMF, World Bank, G7; calls for reparations, stop to fossil fuel financing

Asia groups rally against IMF, World Bank, G7; calls for reparations, stop to fossil fuel financing

Asia groups rally against IMF, World Bank, G7; calls for reparations, stop to fossil fuel financing

Climate groups from Bangladesh, Indonesia, Pakistan, Sri Lanka, Nepal and the Philippines held simultaneous mass actions across Asia to urge the World Bank and International Monetary Fund to cancel debts of Global South countries and stop financing fossil fuel projects. The rallies were timed with the 2023 annual meeting of the two financing institutions happening now in Marrakech, Morocco.

Members of the Asian Peoples’ Movement on Debt and Development (APMDD) took to the streets last October 12, scoring the World Bank (WB), the International Monetary Fund (IMF) and G7 governments for worsening economic conditions in Global South countries and for further exacerbating the climate crisis. In the Philippines, Indonesia, Bangladesh, Pakistan, Sri Lanka and Nepal, they rallied around a common call: “cancel the debt and pay reparations for historical climate and economic injustices.”ImageImage

Timed with the 2023 annual meeting of the IMF and World Bank, the rallyists joined hundreds of other organizations worldwide marking the Global Week of Action for Debt, Climate and Economic Justice. A statement endorsed by close to 500 organizations and individuals from 74 countries across all global regions denounced the IMF-WB, that “together with other private and public lenders, perpetuate a flawed international financial architecture that exacerbates debt, climate, and economic crises, violating the basic needs and rights of millions of people and nature who have the least contribution, responsibility or control over these catastrophes.” 

In the Philippines, hundreds of demonstrators marched to Mendiola, gateway to the presidential palace, with the call “Cancel the debt and pay reparations for historical and continuing injustices!” Ousted dictator Ferdinand Marcos Sr. remains known for his repressive rule as well as for crony capitalism, massive ill-gotten wealth hidden in tax havens and billions of dollars in public debt that served no benefit for the Filipino people. Current President Marcos Jr. shows no sign of moving to repeal the dictator’s Automatic Appropriations decree, which remains in place and continues to ensure that debt repayments are made over any other public need. 

Protesters also slammed the Philippine government’s continued expansion and support for debt-funded fossil fuel projects that they decried as ‘illegitimate’ for contributing to the climate crisis, dislocating communities and violating human rights. 

“Global South governments should stop paying these illegitimate debts!” said Lidy Nacpil, APMDD Coordinator. “At the same time, lenders such as the IMF, the World Bank and G7 governments should stop pushing more loans as climate finance, and swiftly start the process of debt cancellation, adoption of wealth taxes for spending on urgent economic and climate action, and the rechanneling of public funds away from fossil fuel subsidies towards renewable energy systems.”

Rovik Obanil, Freedom from Debt Coalition Secretary General, recalled how the IMF and World Bank offered solutions in the form of “structural adjustment loans”, that came with such conditions as privatizing basic services and opening the Philippine economy to foreign investors. “These conditionalities were put in place decades ago but the consequences continue to violate our basic rights. Privatization reduces people’s access to water and electricity by catering only to those with the capacity to pay. Tax incentives rob us of potential revenue for urgent public needs. But loans continue to be pushed, including pushing loans for climate finance upon Global South peoples who least contributed to the climate crisis.”

SANLAKAS President Manjette Lopez noted growing discontent over skyrocketing prices of food staples and other goods and services. “From one administration to the next, the Filipino people are promised higher incomes, decent homes, adequate food, only to have these promises broken by elite and corporate-captured administrations, including the Marcos Jr. presidency. It’s time to cut the ties that bind us to international financial institutions such as the IMF-WB and their debt-creating solutions, but that can only happen with working people and communities at the forefront of bigger and bolder fights for jobs, living wages, a decent life and a sustainable future.”

Ian Rivera, National Coordinator of the Philippine Movement for Climate Justice said: “The IMF, World Bank and the G7 are again pushing their standard response to crisis in the Global South — more loans. Even climate finance, which is their obligation to deliver for contributing the most to the climate crisis, is in the form of more loans. This is clearly unjust. We demand grants-based climate finance and the cancellation of loans incurred from fossil fuel projects.” 

For Oriang President Flora Santos, the IMF-World Bank’s gender mainstreaming strategy must be exposed for exploiting women’s unpaid care work to make up for the lack of public social services. “These international financial institutions brag about promoting women’s empowerment. The truth is that the IMF’s austerity loan conditions, such as budget cuts in public services, reductions in the public sector wage bill and regressive taxes, lead to reduced access to essential services, loss of livelihoods and increased unpaid work for women.”

APMDD (Asian People’s Movement on Debt and Development ) is a regional alliance of people’s movements, community organizations, coalitions, NGOs and networks

Annalyn JusayZ
+639190049558
me********@***il.com

Tobu Railway Introduces Its Newest “Spacia X” Express Train, Boasting a 40% Reduction in CO2 Emissions Compared to the Previous Spacia Fleet.

Tobu Railway Introduces Its Newest “Spacia X” Express Train, Boasting a 40% Reduction in CO2 Emissions Compared to the Previous Spacia Fleet.

Tobu Railway Introduces Its Newest “Spacia X” Express Train, Boasting a 40% Reduction in CO2 Emissions Compared to the Previous Spacia Fleet.

Tobu Railway’s new “Spacia X” express trains, launched on July 5, 2023, on the Tobu Nikko Line, are not only stylish and comfortable with various seating options but also highly eco-friendly. They reduce CO2 emissions by 40% compared to the previous Spacia fleet, primarily using renewable energy sources for their traction current.Image

The Spacia X is a train with a strong emphasis on design, incorporating windows that draw inspiration from the intricate geometric patterns found in Edo period fretwork carvings. Its color scheme is derived from the elegant “noble white,” reminiscent of the whitewash used on Nikko’s renowned Toshogu Shrine.

Image

Beyond standard seating, passengers have options like compartments, sofas, and lounge-style seats. The most luxurious choice among them is the ‘cockpit suite,’ a roomy and opulent ‘mobile suite’ with an expansive front window vista, evoking the ambiance of a private jet.

ImageImageImage

The “GOEN” café in Car 1 offers a selection of Nikko beer, Nikko blend coffee, locally brewed saké, desserts crafted from Nikko saké kasu or lees, and snacks sourced from the Nikko region. Furthermore, the café supports the local community by donating a portion of its craft coffee sales to the training of Nikko tour guides from the area.

Image

“The Nikko All Area Pass from Tobu Railway, available for 1 to 4 days, covers round-trip travel between Tokyo’s Tobu Asakusa Station and Nikko, along with transportation within Nikko and access to various attractions and experiences in the Nikko area. However, when using the SPACIA X in conjunction with the Nikko Pass, travelers will need to buy an extra express ticket in addition to the standard pass. This requirement applies to all Tobu Limited Express trains. Details regarding Spacia X fares can be found here:
https://www.tobu.co.jp/spaciax/en/ticket/index.html#sale_ticket

Represents Tobu Railway in Malaysia to promote the tourism area that Tobu Railway covers and to share news information with travel-related partners.

Tobu Railway’s massive network extends through Tokyo as well as
four surrounding prefectures: Chiba, Saitama, Tochigi, and Gunma. With 463.3 kilometers of operating track, Tobu is Kanto’s largest private railway and is used by commuters, students, business travelers, and tourists.

Desmond Haw
+6010-236 2611
de*****@*********on.com

GCash launches prepaid debit card in partnership with Visa

GCash launches prepaid debit card in partnership with Visa

GCash launches prepaid debit card in partnership with Visa

GCash has launched a prepaid debit card in partnership with Visa to help its users with cashless payments.

In a statement, GCash said fully verified users of their app can get the card by go to ”View all”, then find the “Manage” section. Users can then click on “Cards” and tap “Order a GCash Card”.

With the GCash Card, customers can make cashless payments in groceries, restaurants, retail stores, transportation, and make online payments. 

The partnership with Visa also means the card can be used in over 200 countries and territories, at over 100 million merchants that accept Visa as payment.

Users who have availed of the GCash Card will also have access to GInsure, where they can get free insurance of up to P20,000 coverage for unauthorized transactions for the first 30 days after activation. 

This also includes the P185 price for card replacement in the event of accidental loss or damage to the card, as well as the shipping fee of up to P225.

G-Exchange president and CEO Ren-Ren Reyes said the card will be helpful for Filipinos with informal sources of incomes like freelancers and independent professionals as well as micro and small enterprises.

“GCash is giving every Filipino, whoever or wherever they are, the benefits of owning a card, especially those with no bank accounts or documents typically required to apply for a card,” he said. 

Protected by CleanTalk Anti-Spam