Indicators That You’re Happy with Life at Work

Having a job is great. But, are you actually happy with your job?

Here’s the thing: when you’re happy with your work, it becomes easy for you to do your best, have some confidence, and feel that you’re in a good place in life. How do you know that you’re happy at work? Here are 10 indicators:

1. You feel appreciated.

More than anything, you’ll enjoy work when you know you are being appreciated. The best bosses are those who know how to thank their employees; those who don’t make them feel as if they’re just mere pawns, but are actually vital parts of the company.

2. You find it easy to communicate.

Another sign that you’re happy at work is that you can easily talk to your colleagues and bosses without feeling like you’re going to be judged, or that you may not be asking the right questions. When lines of communication are severed, it means that you’re in an unhealthy work environment—which also means that you’re probably not as happy as you should be.

3. You are not worrying about gossip.

There will always be tattletales around, but that does not mean you have to worry about them. If you’re happy where you are, and are content at work, chances are you won’t actually be worrying about office intrigues—because you feel secure.

4. You don’t find it hard to wake up.

Snooze button? What snooze button? When you’re happy at work, you wouldn’t mind waking up early—no matter how late you went to bed the previous night. This is because you’re itching to go to work again—and you are happy with what you’re doing, no matter how challenging it may be.

5. You feel like you’re learning something new each day.

A life that’s being well-lived is a life where you actually learn something new each day. When you feel like life is the same day in and day out, and that work is making it all the more monotonous, you’re probably just trying to survive—and not really live life.

6. You love your body.

There are cases where gaining, or sometimes, losing weight, is caused by a boring, and demanding job. When you’re happy with your work, you’d be eating on time, and food would not be a crutch for you.

7. You laugh a lot!

Yes, some people may say that laughter is not a gauge to happiness. But, chances are, if you’re happy with your work, you’d actually be laughing a lot—and the happiness will show on your face. It would be genuine, and not put-on.

8. You aren’t extremely sensitive.

People who are unhappy with work are usually hypersensitive. They don’t take criticism easily, and they often feel like they’re not good enough. When you’re happy with work, you see criticism as just that—criticism—and nothing more. You don’t dwell on it, and instead, use it as a way to grow.

9. You don’t feel like the company’s too big.

four_office_colleagues_eating_lunch_in_an_office_lv0253028

No matter how big the company is, when you feel like you and everyone else are actually part of the same family, it means that you’ll be happy because you can relate to each other—and that you have a good support system with you.

10. You actually have time for other things.

Image source: http://www.inc.com

And of course, you know that work makes you happy when you have time for other things that you like—be it cooking, sports, your favorite shows, or movies, eating out, and of course, a social life!

 

If you can relate to these statements, it means you have a pretty good life at work. If not, well, maybe it’s high time to find a new job—so you can finally be happy the way you should be!

Be on the Right Track: 7 Things You Need to Know about Personal Finance

have a saving for emergency

Handling money could be a tricky thing, so you have to make sure that you are aware of your personal finances. Otherwise, other people might take advantage of you.

There are 7 important things you need to know about Personal Finance—and you’ll find them all right here!

  1. Make sure that you earn more than you spend

earn more than you spend

Let’s put it this way: What do you think will happen if you spend more than what you earn? Easy—you won’t be able to balance your finances, and soon enough you will find yourself in a pool of debt—and that’s not really something you want to happen.

  1. Save early and it will turn into a habit

saving money early in piggy bank

As with most things in life, the earlier you start, the easier you adopt the habit. It’s the same with saving money

If you started saving money way back in grade school—even by just using a piggy bank—you’d apply the habit for most of your life. The money that you save could be used for emergency funds—which everyone really needs! You don’t have to save too much—just save a little each day and you’ll surely have enough money to get you through the rainy days!

  1. Be diverse

have a saving for emergency

This means that you shouldn’t put your money in one place alone. The thing about life is that you never really know what’s going to happen—and putting your money in a single place is a no-no because there’s also a tendency that you might lose them all at once.

Therefore, make sure that you put your money in at least two banks—and even in separate wallets, if you can!

  1. Protect yourself from phishing/scam artists

online scam

So many people end up being victimized by scam artists who ask for their credit card or bank account details online. You can protect yourself by making sure you change your PIN from time to time, and that you do not use the same passwords for all your email/online accounts. Always review bank statements, and don’t give credit card and extreme personal details to others unless absolutely necessary.

  1. Save up for the rainy days

saving money

The thing with people is that they are so scared of scenarios that put their lives in danger—but they really don’t do anything about it. Therefore, you have to make sure that you could get money somewhere when emergencies come up.

Invest in emergency insurance funds, disability insurance, health insurance, and even homeowners insurance if you can. What matters is you make sure that you won’t end up with nothing—especially during emergencies.

  1. Make use of automated savings

use bank to save money

Automated savings means that for each paycheck you receive, a part of it would automatically go to a savings account. This way, you won’t have a hard time putting the money on your own to the account—and you won’t be tempted to use it, too!

  1. Track your credit standing

trusted bank

This is all about how companies or lenders would trust you if ever you’d need help from them one day. This would also show you how you’ve been spending, and how much credit you can have. To check, you can try talking to your bank as they may have available data.

Be knowledgeable about personal finance and you’ll have a hassle-free, financially stable life!

Image Source:
http://www.iqsintl.com/index.php/franchise-opportunities/earning-potential/
http://theodysseyonline.com/memphis/saving-money-for-college-students/223569
http://www.survivinggrays.com/make-extra-money-as-a-medical-student-resident/
https://vulcanpost.com/75041/scam-striping-naked-for-sad-and-lonely-beauty/
http://www.livingrichcheaply.com/2014/05/14/how-much-is-in-your-wallet/
http://www.coffeusa.org/when-banks-cost-you-money/
http://en.yelp.com.ph/biz/cebuana-lhuillier-para%C3%B1aque

Affordable Life and Non-Life Insurance Now Available for Filipinos

Insurance products are still a bit foreign to the majority of common Filipinos. There is a general lack of awareness among the poor. Not only are they not aware of the existence of these products, they also do not perceive the value and importance of such in their lives.

In Comes Microinsurance

Of course, everyone tried to remedy the situation. Thus, we see an increased proliferation of TV commercials and other ad campaigns in favor of affordable life and non-life insurance products. According to the Insurance Commission (IC), there were about 28 million Filipinos already covered by microinsurance as of 2014.

That is a significant figure. Yes, it accounts for a small portion of the general population in the Philippines, yet it is already a significant increase compared to the dismal figures in the past few years. It is worth mentioning that most microinsurance providers in the country only offer a token coverage of PHP 5,000 to PHP 10,000 per household, which consumers may not find attractive.

However, if you consider that sum in the hands of a tricycle driver or say the fisher folk, it is already a considerable amount in case the bread winner isn’t able to provide for the family at the moment. That little money is insignificant to well-paid corporate types, but in the hands of the Filipino poor, that money will save lives.

Available Insurance for the Filipino Masses

nonlife insurance

image source: roberts.com.ph

Since there is a thrust to provide more affordable insurance products to the Filipino masses, they should be made aware of the available types of products that will be helpful to them. The common folks should at least know the difference between life and non-life insurance.

To make things simple, life insurance means that in case the person who bought the insurance product dies, the insurance company who sold the product will give a certain amount of money to the beneficiaries that the buyer has chosen previously.

Non-life insurance is almost the same except that one’s life is not the thing being insured. It is applied to property such as a house, boat, motorcycle, car, or truck. In case these things get damaged or destroyed, the insurance company will provide the buyer of the insurance a certain amount of money to cover the loss. All insurance products in the country fall into either category. The idea, of course, is that the future is uncertain. Thus, an insurance product can be a big help when disaster and loss strike.

Micro Insurance in the Philippines

micro insurance cebuana

image source: cebuanalhuillier.com

Microinsurance is definitely good news for the Filipinos. It is interesting that smaller financial players, including pawnshops with a nationwide presence, have taken up the role of delivering these much needed products.

For instance, Cebuana Lhuillier offers a basic non-life insurance product that costs only PHP 25. It covers the insured for four months, offering up to PHP 20,000 for dismemberment or accidental death.

They also offer a group accident insurance for employees that costs only PHP 210, which will be valid for 1 year. Other insurance products include those for security guards, students, home insurance, and insurance for barangay police.

Again, the coverage amounts will seem small, but they’re substantial in the hands of the masang Pinoy. These are investments that the Filipinos should be aware of.

CORPORATE AGENT PARTNERS

  • ACTION.ABLE, INC.
  • ALL ACCESS GATEWAY INC.
  • ANTRECCO (AGUSAN DEL NORTE TEACHERS, RETIREES, EMPLOYEES & COMMUNITY COOPERATIVE)
  • ACM VIP
  • ALL CASH
  • AGRILIFE/ AGRIVET
  • ASENSO PINOY STORE, INC. (EASY DAY SHOP)
  • AVICOM ENTERPRISES
  • AYALA ALABANG VILLAGE ASSOCIATION
  • BAUG CARP MULTI PURPOSE COOPERATIVE
  • BAGUIO BENGUET COOP
  • CARD BANK INC
  • CARD MRI RIZAL BANK INC
  • CARD SME BANK
  • CARITAS BANCO NG MASA, INC.
  • CEBU PEOPLE’S MULTIPURPOSE COOPERATIVE
  • CIS BAYAD CENTER, INC
  • COOPERATIVE BANK OF BOHOL, INC
  • COUNTRY BUILDERS BANK
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • AEON CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (VIA ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (VIA ECPAY)
  • ALLIANZ PNB LIFE INSURANCE INC.
  • ALPHA FUND SAVINGS & CREDIT COOPERATIVE (VIA ECPAY)
  • AMADEO WATER DISTRICT (VIA ECPAY)
  • AMYA POLYTECHNIC COLLEGE, INC. AND FINANCING CORPORATION (LENDPINOY)
  • ANGAT WATER DISTRICT (VIA ECPAY)
  • ANGELES ELECTRIC COMPANY ANGELICUM SCHOOL , INC. ILOILO CITY (VIA ECPAY)
  • ANJELMAN REAL ESTATE LEASING
  • ANTIQUE ELECTRIC COOP, INC ANTRECCO (BILLS PAYMENT)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (via ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (via ECPAY)
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

List of Accepted Government/ Valid IDs

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Philippine Identification System (PhilSys) ID
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) ID
  • Senior Citizen’s ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • Alien Certification of Registration (ACR)
  • Barangay Certificate or ID (with picture and signature)
  • Birth Certificate (applicable to minors only)
  • Firearm License
  • Immigrant Certificate of Registration
  • Marriage License
  • National Council for the Welfare of Disabled Persons
  • New TIN ID
  • OWWA ID
  • Student ID
  • Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
  • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFP ID, HDMF (Pag-ibig Fund) ID, etc.
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines ID (IBP)
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)

IDs Accepted

As required by Bangko Sentral ng Pilipinas (BSP), clients who engage in a financial transaction with covered institutions for the first time shall be required to present the original and submit a clear copy of at least ONE (1) valid photo-bearing identification document issued by an official authority. For our clients’ convenience, Cebuana no longer requires submission of the photocopied ID. IDs are captured using a webcam in all branches. Clients are also required to submit an updated photo and other relevant information whenever the need for it arises.

Forms of identification accepted are the following;

Pawn Accepted IDs
1. Passport
2. Driver’s License
3. Professional Regulation Commission (PRC) ID
4. National Bureau of Investigation (NBI) Clearance
5. Police Clearance
6. Postal ID
7. Voter’s ID
8. Philippine Identification (PhilID) card
9. Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
10. Barangay Certification
11. Government Service Insurance System (GSIS) e-Card
12. Senior Citizen Card
13. Overseas Workers Welfare Administration (OWWA) ID
14. OFW ID
15. Seaman’s Book
16. Alien Certification of Registration/Immigrant Certificate of Registration (for foreigners)
17. Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
18. Home Development Mutual Fund (HDMF ID)
19. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
20. Department of Social Welfare and Development (DSWD) Certification
21. Integrated Bar of the Philippines (IBP) ID
22. Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission
23. ID issued by the National Council on Disability Affairs (NCDA)