8 Traits of Successful People

We all want to be successful, right? But what does it really take?

CMAP and You

Last time, I wrote about the CiC and the possible new role our credit information and history will play in our finances.

However, as a source of credit information, it's not unique nor even the first in the Philippines.

For about 80 years now banks, credit cards and other lenders could get credit information from CMAP - Credit Management Association of the Philippines, Inc.

So what's CMAP?

The Credit Information Corporation and You

The Credit Information Corporation and You:  here's a Q-and-A style run down of what we can expect.
Last time, we tackled the establishment of the Credit Information Corporation, and what having an individual credit rating means for ordinary folks like us.

So now that it's here, here's a Q-and-A style run down of what we can expect.

Credit Ratings and You

Credit Ratings and You.   There's no credit rating here in the Philippines - until now that is.  The Credit Information Corporation (CiC) was created in 2008 by virtue of Republic Act. No. 9510, otherwise known as the Credit Information System Act (CISA).  It is a government-owned and controlled corporation that is envisioned to be the leading provider of independent, reliable and accurate credit information in the Philippines.  So what the heck does that mean?
If you're reading personal finance blogs and/or searching for finance/money related articles on the net, then you've probably seen ads or spam for it.

Get a free credit report. Know your credit rating - or fix it, raise it, or whatever.

It's mostly a U.S. thing (or some other foreign country like the U.K.). There's no such thing here in the Philippines - until now that is.

Protect Yourself From Pretexting and Internet Fraud

Protect Yourself From Pretexting and Internet Fraud. These days, thieves after your money are more likely to resort to pretexting (calling with a make believe story to get your info), phishing, pharming, email spoofing, and various other cans than to use the plain, old stick'em-up routine. how do you protect yourself?
My wife recently got a call from her bank. She was really busy and not much of the conversation registered with her.

Except for the fact that the caller was from her bank and was verifying if the email for her online banking account was still valid.

She said yes, the call ended, and a few minutes later she was very worried. Had something happened to her account? She had the vague sense it was because someone tried to access her account (though you can't really do that with just an email address)...

The Dream of an Integrated ASEAN Economy

Have you read about the impending ASEAN integration? You probably have, and maybe you've wondered what it means to us. Today we have Bwayan Jordison, a guest blogger explaining exactly that.
In 2015, a planned major change in the ASEAN region will finally be implemented, that if successful, can have lasting effects on our economy, our livelihoods and even our society. I am, of course, talking about the ASEAN Economic Community (AEC) which is tentatively scheduled to happen in 2015.

What exactly does this “economic integration” mean?