Save Time Finding the Cheapest and Convenient Flights

Sites like expedia.com, priceline, orbit help you find the lowest prices.

However, you have to check them each to find the lowest prices.

The app Hipmunk saves you time and effort by combining all these results in their app.
It also displays the flight time in a graph that let's you visualize how convenient the flight(s) are,
including connection waiting time.

Free Stocks Investing Seminar with Marvin Germo Feb 23, 2016

Join us on February 23 for the I-TRAC: BOOT CAMP with Mr. Marvin Germo. 

Learn the basics of investing, fundamentals and technicals during this special I-TRAC seminar. It will be from 4PM to 7PM at the 20F BPI Head Office. Registration is FREE. 

Email bpitradeseminar@bpi.com.ph with your full name and contact details to reserve your slot. Limited slots are available so register today!

Philippine Stocks Investing Seminar - March 5, 2016

Read the Invitation to all from Charmel Delos Santos:

Dear fellow investor, 

This is Charmel Delos Santos, a tradermom and author of “High Heeled Traders”. 

There is no doubt the stock market has declined strongly at the start of the year but investment in quality stocks still beats what you would earn with bank interest. Like what I’ve said in my blog, central banks around the world would act to support economic growth and we’ve seen that in the recent weeks with my recommendations to get into quality stocks seeing strong gains. With our “Bear Market Investing with Low-Risk High-Reward Investing Workshop” you too could make your profits and protect capital quickly and put it back to work with low-risk high-reward investing strategies. To take advantage of investments that perform in these volatile bear markets, I have two (2) back-to-back events for helping bargain hunters and newbies get invested in stocks that have not been this cheap for a long time! 

I have put together “Bear Market Investing” with my foundation course “Low-Risk High-Reward Investing Workshop”. This event will give you precisely the information you need like understanding the market, how to create a profitable system from our proven examples and risk management so you can invest, create wealth and sleep soundly at night! 

For seasoned investors, it is critical to put your capital to work and the best place is in the US stock market because :

1. The US will lead growth in the global economy.
2. More strategies are available for you there to invest in the best managed companies. Can you profit with the market going down? Definitely-- and with little risk ! (Using a financial instrument called Options).
3. You can generate monthly income through Options with the same capital / stock you already own.
4. Even if you don’t want to do anything fancy, having your money in US Dollars that is getting stronger will increase your capital while you just sit back and watch it grow.

Four fantastic benefits and all you just have to do is get into a different market! 

So be sure to attend our back-to-back events, with actionable and specific ideas made dynamic and fun this February! 

Event : “Bear Market Investing with Low-Risk High-Reward Investing Strategies Workshop” 
March 5, 2016 830am-12nn 
Ortigas Building, Ortigas Ave. Pasig City 
Early-Bird Rate : 1,500 pesos (Regular rate : 3,000 pesos) 
Freebies : Full eBook of “High Heeled Traders (worth 800 pesos), Investing Kit and two one-on-one structured consultation sessions. We will hold your hand as you start to invest to help you achieve added security and confidence! 

Event : “US Investing Workshop” 
March 5, 2016 1-5pm 
Early-Bird Rate : 5,000 pesos (Regular rate : 8,000 pesos) 
With FREE attendance to the morning session Low-Risk High-Reward Investing Workshop and the freebies that come with it, for the first 20 registrants! 

To learn more about the workshop topics – Click here 

We are committed to help people increase their incomes and wealth and we are proud to offer our investing courses where you don’t have to go out into the wild on your own. We will help you invest with security and confidence with our expert attention! To register your interest email charmel@highheeledtraders.com and we will get back to you with further details. 

Quote “Finance Manila” to get the special Early Bird Rate and freebies. 

With International Women’s Day happening in the month of March, we are proud to extend an EXTRA 50% discount for all women attendees, and have a special discussion on “Investing for Women” in the morning workshop. 

We want to be focused in helping our investors so slots are limited, register now! 

Nothing should get in the way of our life goals, invest in your success! 

Happiness and abundance! 

Charmel 

Financial Fitness Forum - March 12, 2016 SMX Convention Center

Overview

Financial Fitness Forum is a one-day personal finance event that answers everything you need to achieve your financial goals! Regardless of your situation in life, whether you are salaried employee or entrepreneur, this is your opportunity to get valuable personal finance advise you can't afford to ignore. Get fresh ideas on investing, learn powerful insights about wealth building, apply new strategies in growing your money. Plus, interact with Registered Financial Planners (RFP®) for free counseling and advise at Financial Planning Clinic sessions. Featured Speakers Who Should Attend The Financial Fitness Forum is designed for financial professionals, including the following: Financial advisors Financial planners Financial consultants Wealth advisors Trust officers Private bankers Life underwriters Insurance brokers Insurance agents Securities dealers Investment solicitors Bank marketing officers Branch managers Certified public accountants Tax lawyers Estate planners

What Will You Learn

At the 4th Financial Fitness Forum, you will learn: Building Your Wealth Foundation to Financial Freedom. Creating and Managing your own investment portfolio. Investing Opportunities in Stock Market Downtrend. Secrets to Retiring Rich and Young. Protecting Your Retirement Assets from the Next Big Crash. Wealth Building Secrets of the Invisible Rich. How to Spend Your Money to Happiness. Investing in Real Estate for Retirement. Achieving Financial Security through Entrepreneurship. Applying Sun Tzu’s Art of War to Personal Finance Success. Mutual Funds or Stocks: Where Should You Invest. Investing Opportunities in the Global Markets. Developing Financial Habits that will Last. Date and Venue The one-day conference will happen on March 12, 2016, 10:00am-6:00pm, at SMX Covention Center, SM Aura Premier, Taguig City Conference Fee Special Promo (December 31, 2015): P500.00(Buy 1-Take 1!) Early Bird (January 31, 2015): P1,000.00 Special Rate (February 1-15, 2016): P1,500.00 Pre-Registered (February 16-29, 2016): P1,800 Regular/Walk-in (March 1-12, 2016): P2,500 Sponsorships with block seats are also available.

4th Financial Fitness Forum 2016 For Inquiries: Name: Regine Mae Dela Peña Tel:No.: 261 0945 or Fax: +632 706 2212 Email: Click here    For Registration: Click here Website: Click here

Comparison of Philippine Credit Cards Miles Conversion

Looking for the best credit card in terms of miles conversion?

I reviewed some Philippine credit cards, comparing the conversion factors.
This is not exhaustive, I made it for my own decision-making.

Card	Pesos per point	Points to miles	Pesos to miles	Miles / airline	foreign currency fee	annual
RCC World Card	125	1:1	125	?	?	?
PNB Mabuhay Miles	33	1:1	33	PAL	2.50%	?
PNB Mastercard Essentials	50	1:1	50	PAL	?	2250
Metrobank femme	20	2.5:1	50	?	?	3500
HSBC Platinum	25	5:1 krisflyer, 6:1 mabuhay miles	125 – 150	Singapore, PAL	?	5000
Citibank Platinum Miles	30	1:1	30		3.50%	5000
Citibank Premier Miles	40	1:1	40	?	3.50%	5000 (waived at 282k spend per year, roughly 24k/mo)
Citibank rewards	30	5:1	150	?		free
BPI skymiles	45	1:1	45	Delta	1.75%	5000
BPI Gold	35	6:1 krisflyer, 5:1 mabuhay miles, 3:1 airasia or cebpac	175	various	1.75%	2250

The verdict:
The 3 cards come out:
BPI Skymiles, Citibank Premier Miles, and PNB Mabuhay Miles. But if you'll use the card abroad,
the lower foreign currency fee would be better.

Always remember, there's really no such thing as free, everything comes at a cost.
Based on my estimate, 1 Mabuhay mile can be valued at P2,00. So just use your credit card normally, not to rack up points.

Most stores give a cash discount you miss on using credit card, and
some cards have a higher currency conversion fee, meaning, you're really paying for those miles.