ANTIPOLO MAGAZINE 2020

Antipolo Magazine 2020 Sa panahon ng kagipitan o kapag gusto mong magsimula ng maliit na negosyo, hindi mo na kailangang lumapit agad sa bangko o online lending apps. Alam mo ba na may mga loan programs ang lokal na pamahalaan (LGU) na makakatulong sa'yo? Layunin ng mga programang ito na matulungan ang mga Pilipino lalo na sa mga mahihirap na komunidad. Narito ang ilan sa mga loan o pautang na puwedeng makuha mula sa iyong lokal na pamahalaan: ____________________ Livelihood Assistance Program (LAP) • Iniaalok sa mga low-income individuals na gustong magsimula ng maliit na negosyo. • Mababang interest rate o minsan ay zero interest. • Kadalasang ibinibigay sa pamamagitan ng DSWD at lokal na DSWD offices. • Requirements: Barangay certificate, business proposal, valid ID. ____________________ Pangkabuhayan Loan Program ng LGU • Direct assistance mula sa City/Municipal Government para sa mga micro-entrepreneurs. • Target: Vendors, farmers, fisherfolk, sari-sari store owners • May kasa...

Antipolo Magazine 2020 Hindi lahat ng pautang ay pare-pareho—may mga loan na bagay para sa negosyo, meron namang para sa emergency, edukasyon, o personal na gastos. Kaya mahalagang malaman kung paano pumili ng tamang uri ng pautang ayon sa iyong sitwasyon. Narito ang ilang dapat isaalang-alang bago ka umutang: • Layunin ng Pagkakautang Bago ka mag-apply ng loan, tanungin mo muna ang sarili mo kung para saan ito. Pang-emergency? Mas mainam ang salary loan gaya ng sa SSS o Pag-IBIG. Pambayad ng utang? Piliin ang consolidation loan para mas manageable ang bayarin. Pangnegosyo? Hanap ka ng microfinance loan mula sa DTI, CARD Bank, o mga kooperatiba. Pangkabuhayan? May livelihood loan programs ang DSWD at LGUs. Emergency? Personal needs? Business? Piliin ang loan na tugma sa gamit mo. Halimbawa : Medical emergency – SSS o Pag-IBIG; Business – government microfinance. • Interest Rate at Terms Laging i-compare ang interest rate at terms ng bawat loan. Mas mababang interest , mas magaan sa ...

Antipolo Magazine 2020 Kahit gaano ka‑sipag, dumarating pa rin ang panahong kakailanganin natin ng dagdag‑puhunan o emergency fund. Ang tanong: "saan" ba maaasahang manghiram ng pera ang isang karaniwang Pilipino nang ligtas, mabilis, at makatarungan ang tubo? Narito ang pinakamahuhusay na opsyon ngayong 2025. 1 | Government Salary Loans SSS Salary Loan Sino ang puwede? Empleyadong may hindi bababa sa 36 posted contributions, with at least 6 posts sa huling 12 buwan. • Loanable amount : hanggang 2× average monthly salary credit (AMSC). Bakit maganda? Mababang interes (10% p.a.), automatic salary deduction, 24‑month term. Pag‑IBIG Multi‑Purpose Loan (MPL) Sino ang puwede? Miyembro na may 24 na hulog. Loanable amount: hanggang 80% ng total savings. Bakit maganda? Mas mahabang term (36–48 months) at maaari pa ring mag‑apply kahit self‑employed basta updated ang hulog. Tip : Online na ang application portals ng SSS at Pag‑IBIG—hindi na kailangan ng mahabang pila! 2 |...

Antipolo Magazine 2020 Start Today: 5 Smart Habits for a Stronger Financial Future In today’s economy, learning how to manage your money wisely is more important than ever. Whether you’re earning minimum wage or working abroad, these smart financial habits can help every Filipino build a better future. Track Your Expenses Use mobile apps like GCash , Maya , or a simple notebook. Know where your money goes every day. Follow the 50/30/20 Rule 50% – Needs (food, bills, transportation) 30% – Wants (Netflix, food trips) 20% – Savings or paying debts This rule helps balance lifestyle and savings. Start an Emergency Fund Aim to save at least 3 months' worth of expenses. It can save you in times of job loss, sickness, or unexpected bills. Avoid Unnecessary Debt Don't swipe your credit card for wants. Learn the difference between good debt (business, education) and bad debt (impulse shopping). Invest Early, Even in Small Amounts Start with ₱50 or ₱100 via GInvest, Seedbox, or cooperati...

Antipolo Magazine 2020 Speak up! What’s one thing you wish your local or national government would fix or improve in your area? Comment your thoughts below! In every barangay, town, or city, we all see something that needs improvement — from roads, healthcare, livelihood, education, disaster response, or even peace and order. Let’s open up a conversation today: 💬 If you had a chance to speak directly to your local or national government, what’s one thing you would ask them to improve in your community — and why? ✅ Is it better waste management? ✅ Safer public spaces? ✅ More job opportunities? ✅ Faster government services? ✅ Access to clean water or electricity? Share your experiences and suggestions in the comments section. Let your voice be heard! Who knows — your idea might inspire real change.  

Antipolo Magazine 2020 Are you working a 9–5 job but still wondering where your money goes every month? You're not alone. With rent, food, transport, and the ever-growing pressure to “live your best life,” it’s easy to feel broke — even with a steady paycheck. But here’s the truth: budgeting doesn’t mean depriving yourself. It means knowing your money, controlling it, and using it wisely. In 2025, with new digital tools and rising living costs, young professionals need a strategy that fits today’s economy. Let’s break down a smart, no-nonsense budget plan you can start today — no spreadsheets required . Step 1: Know Your Numbers Before anything else, you need to understand how much you actually earn and spend. ✅ Net Income – Not your salary, but your “take-home” after tax, SSS, PAG-IBIG, etc. ✅ Fixed Expenses – Rent, utilities, insurance, loans. ✅ Variable Expenses – Food, transport, subscriptions, shopping, etc. 📱 Tip : Use apps like Mint Wallet or local options like Gcash Insigh...