Friday, December 20, 2019

How to Apply for a Tala Loan

How to apply for a tala loan

I have heard of fast approval loan apps but I really have not considered using or trying one until my brother-in-law introduced Tala to us.

I never thought there would be an app that would allow borrowers to get instant loans just with a mobile phone, a valid ID, and an internet connection. No more proof of income, bank statements, references, or paper contracts needed. And in just 5 minutes, you will immediately know if your loan is approved or not.

Tala Loan Application: Step-by-step Guide

Just in case you need money for emergency purposes or for anything important, here's how you can apply for a tala loan.

Step 1: Download the app

Download the Tala app from the Google Play Store and Install. Once the app is installed, sign up for an account and enter your personal information. Just follow the steps as you enter your information including your phone number and employment information. You can get the app here!

Step 2: Take a selfie with your government ID

After entering your personal information, take a selfie holding your government ID and upload it onto the app. Also, upload a picture of your government ID showing the front and back portion.

Step 3: Apply for a loan

After entering your basic information and your government ID, you can then apply for a loan. To apply for a loan, simply click the "Apply for a loan" button on the upper portion of the app. You will be asked to permit Tala to manage your calls, SMS, contacts, and location. Just hit the "CONTINUE" button as this is their way to determine if they can offer you a loan. You will then be provided with the approved amount for the loan. You can either borrow the approved amount or borrow lower than what's approved.

Step 4: Choose when to repay

Tala provides 2 options when you can repay. You can repay within 21 days with an 11% interest rate or you can repay within 30 days with a 15% interest rate. After choosing the number of days to repay your loan, click the CONTINUE button.

Remember to repay your loan on time as you will be charged an additional 8% fee if you do not repay by the due date.

Step 5: Review your loan information

Before you accept or claim your loan, take the time to review the information first. Check if you have chosen the right amount and the loan term. If all information is correct, check the box to agree to the loan Terms and Conditions.

Step 6: Claim your loan

Choose from different payment partners to claim your loan. You can claim your loan through Cebuana Lhuillier, Bank Transfer,, Palawan Express Pera Padala, and M Lhuillier Kwarta Padala.

Step 7: Confirm your details

Confirm your details which will be used on claiming your loan. Check if your name and phone number are correct. Also, enter the address shown on your valid ID, then, hit the CLAIM MY LOAN button to finalize your loan application. You will then receive a message containing the claiming details.

Step 8: Go to your chosen payment partner

Go to your chosen payment medium to pick up your loan and provide your information to the teller together with the tracking number and your valid ID. If you have chosen to claim your money through a bank, then, you won't have to go through this process.

To repay for your loaned amount, you just have to log in to the Tala app and click the MAKE A PAYMENT button. You will then receive a message with instructions on how to repay your loan. If you want to know HOW TO REPAY beforehand, then, just click that button as well.

If you want to qualify for a bigger loanable amount the next time you apply, then, pay your loan on time and keep the app installed on your phone and grow your loan limits up to PHP10,000.

If you have further questions regarding Tala, feel free to use the comments section below.

Thursday, December 19, 2019

Receive Cashback When You Scan to Pay with PayMaya

Get P100 cashback when you shop at Mercury Drug with PayMaya

Good news PayMaya users! They now give out P100 for every P500 minimum purchase at all participating Mercury Drug stores nationwide.

If you're regularly buying goods at Mercury Drug store, then, why not take advantage of this promo? What's more appealing to this latest promo is that you can actually earn up to P1200 within the 3-month promo period which starts from November 21, 2019 to February 19, 2020.

The promo is open to all PayMaya users who will scan to pay at all participating Mercury Drug branches. With every P500 minimum purchase, the users can get P100 cashback per week. The users will then receive their cashback to up to 14 days after the promo period.

Splitting of payment transactions with the intention of redeeming more rewards, however, is not allowed. Multiple payments made from the same device though using different phone numbers are also now permitted.

Furthermore, those Paymaya users with Merchant accounts and those under PayMaya negosyo are not allowed to participate in the promo.

Participating Mercury Drug Stores For PayMaya Promo

Here is the list of the participating Mercury Drug stores.

JC Aquino, Butuan City
Libertad, Butuan City
Robinsons Place, Butuan City
South Montilla Blvd., Butuan City
National Highway, Cabadbaran City

Gaisano Grand Market Place, Bayugan City
Narra, Bayugan City
Gaisano Grand Mall, San Francisco
National Highway, San Francisco
Airport Global Plaza Pque, Poblacion, Trento
National Highway, Bayugan

Poblacion, Ibajay
Andagao, Kalibo
Archbishop Reyes, Kalibo
Mabini, Kalibo
Caticlan Jetty Port, Malay

South Supermarket
Town Center - Makati Supermart
Town Center - Zapote Road Alaminos Laguna

ANGONO: Poblacion


Poblacion, Antipolo City
Cogeo, Marcos Highway


Culasi Centro Poblacion
San Jose, Funda Dalipe


Ali Mall, Quezon City
Farmers Plaza, Quezon City
Gateway Mall, Quezon City
Gen. Romulo, Quezon City


Makati Glorietta
Ayala West Grove Plaza Silan




BS Aquino Drive
Sumag Araneta


Bahayang Pagasa
Zapote 1

BAIS CITY: National Highway

BALAGTAS: McArthur Highway
BALASAN: Del Rosario
BALINTAWAK: A. Bonifacio
BAYAWAN: National Highway
BILIRAN: Naval, Poblacion


P Paterno


JP Rizal


Sto. Cristo



Avenida, Metro Manila
Oroquieta, Metro Manila

BOCAUE: McArthur Hiway

CEBU: Bogo Public Market


Pagina, Jagna
Clarin, Tagbilaran City
Manga, Tagbilaran City
San Jose, Talibon
Poblacion, Tubigon
Poblacion, Ubay

BUKIDNON: South Poblacion, Maramag


Balagtas Town Center
Guiguinto Puregold
Guiguinto Waltermart Center
Malolos City, McArthur Highway Puregold
Malolos City, Sumapang Matanda
Marilao Plaza Cecilia
Meycauayan City, Ema Town Center

EASTERN SAMAR: Borongan Anacta

PARAÑAQUE: Aseana Business Park

PASIG: Armal Center


Banawe St. - E. Rodriguez Sr.
Broadway Centrum, Aurora Blvd.
Acropolis - E. Rodriguez, Jr.

For clarifications and concerns related to the promo, you may send an email to or call (02) 8845-7788.

If you haven't used PayMaya yet, you can download the app from the Play Store. Get instant P50 for FREE when you sign up using my invite code.

PayMaya INVITE CODE: 2x6bjvk

PayMaya INVITE CODE: 2x6bjvk

Feel free to post your questions regarding PayMaya in the comments section below.

Monday, December 2, 2019

Effective Ways to Get Google AdSense Approval For Your Blog

Effective Ways to Get Google AdSense approval

I’ve been blogging since 2014 but I’ve only been active on writing more articles last year hoping I could monetize it with Google Adsense and eventually earn additional income from it.

I know a lot of bloggers are having a hard time getting Google Adsense approval. I also know how it feels to get rejected every time you apply. It’s frustrating and exhausting at the same time. I even gave up and decided to sell my domain names and list on GoDaddy for auction.

Though there are a lot of ways to earn from your blog or website and though there can be an alternative to Google Adsense, we all know that Google Adsense is still the best option when it comes to blog monetization.

Fortunately, after months of trying, I finally got Adsense approval last month and now running ads on my blog. I still can’t believe I finally made it. I still can’t believe my application was accepted.

When I saw that “Your account is activated” message on my Google Adsense account, I really did break into tears. Nothing can contain my happiness at that moment. It’s a big prize for someone who burnt countless of midnight oil. Finally, my efforts will be paid off.

You, too, can get Google Adsense approval given that you would follow the tips below.

1. Publish at least 30 Blog posts

When I applied to Google Adsense, I only have 30 blog posts. Thus, I suggest you also publish at least 30 posts on your blog before applying. I don’t really know the exact numbers of posts required by Google Adsense, but most bloggers also suggest to at least having 30 posts on your blog.

2. Write post with 500-600 words

One way to show to Google Adsense that you’re serious with your content is by writing at least 500-600 words per post or article.

Some bloggers suggest at least have 700-100 words, but with mine, I mostly have 500-600 words on my articles.

3. Add contact us, privacy policy and about us pages

These pages seem unnecessary to be on your blog but they are actually important to get Adsense approval. More than that, your transparency will build your site’s credibility and eventually gain your reader’s trust.

4. Customize your Blog’s design

Apart from the blog name, your blog design is an important factor that will keep your readers coming back to your blog. Your blog design is what they will actually first notice. Make sure to have a user-friendly, easy-to-navigate, and welcoming blog design to encourage them to engage more with your content and page.

5. List your Blog to Google and other search engines

Increase your blog or website’s presence by listing it to Google and other search engines like Bing, Yandex, and AOL. If you’re using the Blogger platform, you could immediately list your blog to Google by going to the basic settings.

6. Get a custom domain name

I do see some monetized blogs or websites still using the Blogspot subdomain, but if you want your blog to look professional, then, getting your own domain name would be a great choice. It would also help you get your blog immediately approved by Adsense.

7. Get a professional email address

Increase your chances to get Google Adsense approval by getting a custom email address. Though the email address with extension looks okay, if you want faster approval, then, do get a unique one.

8. Don’t create multiple Google AdSense account

You could have numerous Google account, but you can’t have 2 or more Google Adsense account. You need to close other accounts, else, your Adsense application won’t be approved.

9. Submit a sitemap

Most bloggers do not mention about sitemap but I happen to encounter this one as I design my blog. A sitemap is where you give data about your pages, recordings, and different documents on your site, and the connections between them. It reveals to Google which pages or records you believe are significant in your site.

You could further, understand about sitemap by going to Google Search Console.

10. Write original articles and use copyright-free images and videos

Avoid merely copying and pasting other websites’ posts, images, and videos to avoid plagiarism and copyright infringement. Create your own content if possible. If you need to use photos of other businesses, ask permission or give credit where credit is due.

11. Add meta tags

If you don’t know about meta tags, they are basically minimal substance descriptors that tell search engines what your blog or website is about. They don’t literally show up on your blog’s platform, but they show up on search results.

12. Add Google Analytics to your blog

Google Analytics is important to see how your visitors interact with your blog. Get your Google Analytics ID and add it to your blog to start tracking. By doing this, you would know the things to be enhanced on your blog by checking what your visitors need.

If you have questions we have not covered above, feel free to use the comment sections below.

Monday, October 21, 2019

What is NBI Clearance Hit: Definition and Reasons

Understanding NBI Clearance Hit

You went to the NBI office to apply for a clearance certificate. You had processed every step smoothly. You had successfully scheduled your appointment, paid the clearance certificate, done the photograph, and biometrics.

You persistently trusted that the document will be given over to you, eager to return home. All of a sudden, you got hit and your request for the NBI clearance certificate was put on hold. You asked why and what does it mean.

Well, you’re not alone. There is constantly one individual out of ten candidates who get hit each day. In spite of the fact that it sounds disturbing, there is nothing to stress over given that you were not engaged with any criminal case.

What is NBI Clearance HIT?

The expression "HIT" is utilized by NBI Clearance Centers when a candidate's data needs further confirmation.

When your NBI Clearance is labeled as HIT, you are encouraged to return a particular day to claim the document. The date of your next arrangement would be demonstrated on your receipt.

Check of your data may take 7-10 business days. They may quickly discharge the record when you return or they may request that you go to a meeting with an in-house NBI legal counselor relying upon the data they have accumulated about you. The motivation behind the meeting is to demonstrate the individual's character.

Potential Reasons You're Tagged as Hit

1. You have a similar name to someone else

The principal conceivable motivation behind why your NBI Clearance will be labeled as HIT is a namesake. This implies there is somebody who holds a similar name beside you. This sort of circumstance would trigger the NBI to further explore your data to figure out who will be who.

2. Your namesake has a remarkable warrant of capture or a pending criminal case

On the off chance that the other individual who bears a similar name is/was associated with a criminal case, at that point, the release of your document still will be deferred as NBI needs further explanation to guarantee that the report will be given and named suitably to the ideal individual.

3. You really had a criminal case

Regardless of whether found as blameworthy or honest with your past case, this will, in any case, cause a postponement of issuance of the declaration. As referenced before, NBI needs to conduct a further investigation of your present status.

4. You have a pending criminal case in court

It is a given that in the event that you have a pending criminal case, your name is without a doubt hailed which would forbid you to ask for or apply for this kind of document until such time that your record is cleared.

                       NBI Clearance Appointment
                       NBI Clearance Online Account Creation

Do you know different reasons why an NBI Clearance would be labeled as HIT? If it's not too much trouble, let us know in the remarks segment beneath.

Sunday, June 30, 2019

How to Check Your SSS Contributions Online (For The Totally Clueless)

How to check SSS contributions

Philippine Social Security System has been a significant assistant to millions of Filipinos here and abroad in ensuring a secure future.

SSS gives significant assurance to individuals and their recipients against the dangers of handicap, infection, maternity, mature age, passing and different possibilities bringing about loss of pay or money-related weight.

Alongside its multi-benefits come relating obligations. A member should, at any rate, have 120 absolute quantities of commitments which is proportional to 10 years of installment so as to profit the lifetime money advantage or month to month annuity. 

In this manner, it is critical to check our month to month commitments now and again to know whether our boss or the assigned staff has transmitted our month to month premiums if our commitments are reflected in the SSS framework and on the off chance that we can profit of different advantages.

While it is ideal to go to the closest SSS branch office to respond to every one of our inquiries and concerns, SSS has now given us a choice to get to our data online without falling in line and hang tight for our turns through visiting and enrolling to their site.

Checking SSS Contributions Online

Viewing your SSS contributions online can be an overwhelming task for the non-techy. Therefore, I have divided the procedure into 2 sections to ensure that everyone can pursue and make it to the end.

SSS Web Account Registration

Step 1: Go to the SSS website.

You will then see a login box. Make a record as a part by tapping on the blue catch that says "Snap Here". Ensure that you register as a part and not as an Employer.

Pick "one" of the alternatives displayed. Ensure that you have the essential data convenient, for example, your CRN/SS number, bank account number, cell phone number, business number, and installment reference number.

Supply the required essential data of yours. When done, tick the crate situated at the left-side part to demonstrate that you have perused and acknowledged the administration terms and conditions. Additionally, hit on the "Submit" button underneath to complete the record enrollment.

Search your email for the framework warning following 30 minutes. Snap-on the connection gave to initiate your record. It, as a rule, says "Please initiate your record by clicking here". You will at that point be steered to a page to make your secret phrase. You can peruse How to Create an SSS Online Account for progressively explicit guidelines.

B. Survey SSS Contribution 

With your User ID and secret word prepared, you may now get to SSS online administrations and view your month to month commitments. Go to the SSS site on the off chance that you are not there yet. Sign in utilizing your User ID and Password. Snap the "Submit" button. Once signed in, drift your mouse on the E-SERVICES menu tab. Under E-SERVICES, click on the Inquiry submenu. You will at that point see your static data.

Indicate your cursor the "Part Info" choice and snap on "Genuine Premiums".You will currently observe your complete number of commitments with the real sums posted. Here, you can check if your manager has conformed to the administration command which is to transmit the top-notch commitments of workers, together with the business' partner premium. 

Hope you were able to follow the steps above. If you have further questions, let us know in the comments section below! Good luck!

Thursday, June 20, 2019

How To Order For PSA Birth Certificate Online

How to Order PSA Birth Certificate

Getting a PSA document is so easy!

No need to get up right on time and fall in line in Philippine Statistics Authority (PSA) office, previously called National Statistics Office, as we would now be able to demand validated duplicates of Birth Certificate, Marriage Certificate, CENOMAR, and other common vault records online through Pilipinas Teleserv, a privately owned business approved by the PSA to assist in the preparation and delivery of PSA documents.

The best thing about getting the certificates online is that we do not have to sign up to create an account. We just have to go to their website, order the needed document, pay through payment facilities, and wait for it to be delivered right at our doorstep. Isn’t it amazing?

Assuming in any case, you are reluctant to do it all alone just because, you can adhere to the guidelines underneath as you request your endorsement on the web.

Step-by-step Guide on How to Order for PSA Birth Certificate via Pilipinas Teleserv

The following are the steps on how to request your Birth Certificate Online.

Step 1: Visit PSA/NSO Helpline Website

To create your request or order, go to PSA Helpline.

You may copy the link from here, then, paste it on the address bar of your web browser. You may also opt to type it either on the address bar or on the search bar of your web browser (Google Chrome, Microsoft Edge, Mozilla Firefox).

Be informed that typing the website link with or without HTTP and HTTPS won't matter, so you can just simply type "" on the address bar.

Step 2: Click the “Order Now” Button

Hover your mouse onto the bottom part of the screen or homepage of the PSA/NSO website and look for the green icon or button that says “Order Now”. Click the button once found. You will then be routed to another page showing another set of icons or buttons.

Step 3: Click Birth Certificate Button

After clicking the “Order Now” button, you will be routed to a page where you have to choose for the type of certificate to request. Now, choose the button or image for Birth Certificate. Click it.

Step 4: Determine the Purpose of Getting the Certificate

Before you finally hit the certificate application form, you will be first asked about the purpose of getting the certificate. What do you need the Birth Certificate for? Do you need it for Passport/Travel, Employment Abroad, Local Employment, School Requirements, Claims/Benefits/Loans, US Embassy Reverification, Australian Embassy, Consulate General of Spain, Negative Intact, or other purposes? Choose the appropriate option by clicking on it.

Keep in mind that you need to indicate the destination country by typing in the box if you need the certificate for passport/travel and for employment abroad.

If you need the certificate for negative intact or for other purposes not presented in the options, then you have to specify the reason on the textbox provided and hit the submit button to be able to proceed to the next step.

Step 5: Fill up the Birth Certificate Online Application Form

Once you’ve indicated the reason for getting the certificate, you will then be able to fill up the application form.

Enter the needed information from the Birth Certificate owner’s name to birth details to parents’ names.

Always use the maiden name for married women, may it be the owner of the certificate or the mother. Hit the “Continue” button at the bottom.

Step Six: Confirm if Legal Proceedings Were Done

Was there a legal proceeding done to your Birth Certificate like correction of entry, court hearings, legitimation, supplemental, or adoption? If there was none, then, click the “None” button. If there was, then, select the button that best describes the proceeding done.

Step 7: Indicate the Requesting Party

Are you the owner of the requested certificate? Then, type your name on the first three boxes and indicate that you are the owner by choosing from the options in the dropdown box. Otherwise, select from the other options available and click the “Submit button” below it.

Bear in mind that the requesting party must be of legal age and that the name entered must match the valid ID to be presented during the delivery of the document.

Step 8: Finalize the Order or Request

Finalize your order of the certificate by adding your contact information, delivery address and representative information.

Provide valid contact information as it will be used to contact you should any concerns arise regarding your application. Also, provide an accurate delivery address as undelivered and returned certificates due to the wrong delivery address and absence of the requester are considered a complete service by the PSA.

You may authorize two (2) representatives who can receive the document in case you are not available during delivery.

The representatives should have a copy of the Letter of Authorization (LOA) when receiving the document. You can opt to print the LOA after order confirmation.

Don’t forget to tick the box that says “I certify that all information provided is true and correct.” You can read the Terms and Conditions just so you know the PSA’s guidelines when ordering a certificate online.

Lastly, click the “Continue” button.

Step 9: Take Note of the Reference Number and Print the Authorization Letter

Once you’ve finalized your order, you will be routed to the Order Confirmation page where you can see the order summary, delivery summary, delivery reminders, and payment channels.

Take note of your order reference number that is located on the upper-left portion under “Order Summary”. You may take a photo of it with your phone or you may write it with your pen and paper.

The reference number will be used when paying the certificate to PSA payment partners.

As for the Authorization Letter, all you have to do is click the “Print Letter of Authorization (LOA)” blue button, still below the Order Summary to start printing.

If you want to save it first and print later, you may change the printer settings and save the document as a PDF file.

Step 10: Complete the Order by Paying the Certificate

Please understand that the requested certificates must be paid before it will be processed by PSA. For our convenience, various payment facilities are readily available.

You may pay thru online payment channels with your GCash Account, Bancnet ATM and Visa/Mastercard.

You may also pay the certificate over-the-counter thru Bayad Center, 7-Eleven, Metrobank, Security Bank, and Bancnet affiliated banks.

As of this writing, the new fees for issuance request of Birth, Marriage, and Death Certificate is Php365.00 while the fees for issuance of Cenomar are Php465.00, effective on February 1, 2018, in accordance with the TRAIN Law.

I hope you are able to follow the instructions above. Should you encounter any problem during your online transaction, tell us in the comments section below.

Best of luck with your endeavors!