Financial tricks for Pinoys? Mortgage loans are another popular form of debt. It’s very common when buying a home or investing in real estate to take out a mortgage from a bank or lender to help pay for the home. Mortgage rates vary widely so it’s worth taking the time to shop for a good mortgage rate if you haven’t bought a home yet. If you already have a mortgage, you might be wondering whether it makes sense to pay off your mortgage rate as quickly as possible. In most cases, it probably makes sense to keep your mortgage and invest any additional money you have into the stock market, especially if your mortgage rate is low. For five years I had a 2.3% mortgage rate even though I could have paid off my mortgage entirely, it was a better financial decision to keep using the banks’ money and investing my money in the stock market instead.
Spending time figuring out what you’ll do today can take away from actually doing those things. And, you’ll have planned your task list so recently that you can be tempted to change your schedule on the fly. It’s important to let your agenda change if you need it to, but it’s equally as important to commit to an agenda that outlines every assignment before you begin. Try solidifying your schedule the day before, making it feel more official when you wake up the next day to get started on it.
Palawan Express is the first name that comes to mind when talking about affordable remittance services. Aside from its thousands of branches and remittance partners nationwide, Palawan Express Pera Padala is also known for having one of the lowest remittance fees among the biggest players in the industry. Its cheap rates are the main selling point of Palawan Express, which has attracted millions of Filipinos to patronize its services. Discover additional info on Palawan Express Rates.
Perhaps one of the easiest places to find a senior discount is at your favorite restaurants. Though most chains offer discounts across the board, many smaller locations will as well. Be sure to ask about special event savings days or early dinner discounts available. Restaurants typically will advertise these discounts. Big Lots: Some locations offer discount savings cards. Some locations offer up to 10 percent off through their discount programs. Goodwill: Perhaps one of the best known locations for savings. Seniors can get between 10 and 20 percent off one day each week. Locations set the dates that work for their needs. Bealls Outlet: Seniors get 15 percent off every Tuesday. Target: Limited access to senior discounts is available at Target. However, some locations may offer discounts on specific days for various events. Marshall’s: Marshall’s provides seniors with limited discounts. Special offers may be available at some locations. Kmart: A limited number of stores still offer the senior discount of 40 percent off on Wednesdays for seniors over 50.
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