With Christmas right around the corner, excitement fills the air as most of us will be receiving our much-awaited holiday bonus. But before we even think of ways to spend the money—go on a shopping spree like there’s no tomorrow or purchase business class tickets to your dream destination.

The average Filipino family dreams of owning a house and lot, a place that they can call ‘home.’ For many, it is a measure of success, a real and tangible reminder for themselves that they’ve made it. That is why new homeowners feel a great sense of accomplishment after they sign and finalize the deed.

Every time we decide to go on a holiday out of the country and book a flight, travel insurance always comes at the bottom of the checklist, sometimes, skipped. Truth is, travel insurance is something we need, so we have to learn more about it. Being such a broad topic, it can get confusing.

Deciding to hire a house help for the first time can be a daunting task. Think about it: the idea of entrusting your home to a stranger and letting her take care of your children can be a scary thought at first. But hiring and dealing with house help need not be a daunting process.