Kris Aquino is LBC Express first celebrity endorser

MANILA, Philippines - The Queen of All Media Kris Aquino was officially unveiled as the first celebrity endorser of LBC Express, the leading courier service, logistics and money remittance provider in the country.


The team up of Aquino and LBC which was launched on May 20 at the Green Sun in Makati aims to better connect overseas Filipinos and love their loved ones back home. "More and more Filipinos will feel the "padama" in every "padala" from their relatives abroad, no matter the distance," the courier company said.

"As a brand endorser, I always make sure that the brand I partner with is trustworthy," Aquino said. "Every time I have a very important package or document I need delivered, I use LBC. I really trust them."


Javier Mantecom, LBC's Chief Marketing Officer said: "We are honored that someone as trusted as Kris Aquino has joined our family as we bridge the lives of Filipinos all over the world. Kris is an obvious choice to be our first brand endorser because she has a global influence just as wide as LBC's presence."

"We move lives, business, communities," Mantecom shared. "But most importantly, we move love."

Since 1950's, LBC has established itself as the overseas Filipino's bridge to their loved ones in the Philippines. To date, the courier service has more than 4,400 branches, partners and agents in over 20 countries.

LOOK: Photos from the launch " From LBC, To the World, With Love"

Asia's Got Talent co-host Rovilson Fernandez introduces Kris Aquino as new endorser of LBC

10 things you need to know about personal loans

MANILA, Philippines - Whether you are an entrepreneur applying for a business loan or just applying for a personal loan to ease your financial situation, there are certain things you should know about bank loans in the Philippines.

A personal loan varies from a business loan because, in the case of a personal loan, the interest rate is high but the cash is readily available. Whereas, a business loan will be issued under the name of the organization and any partners of your organization will also be responsible for the repayment of the loan. Each type has its own advantage and disadvantage, the matter of which is out of the scope of this article.

Let us pay a close look at the 10 most important things you should know about a personal loan.

1. Is it a secure loan?

Certain loans require for the submission of collateral where you put up your possession or assets as a guarantee, for instance, your property. In case you are unable to pay back the credit amount, the bank has the entire right to seize that property. The majority of the personal loans are not secure loans, so make sure of the risks before you apply for one.

2. Required details to apply for the loan.

Certain loans require some financial details. Some banks ask for your credit score and your basic monthly income to judge if you are able to pay back the monthly amount. In certain cases, banks might require copies of bank statements and deeds of other assets to identify your income and your net total assets.

3. What is the payment for the loan?

Certain loans call for an initial sum of money that needs to be paid at the primary stages of the loan. This fee might vary from one bank to another, so it is wise to compare the different rates at varying banks, before you settle on the final choice.

4. What is the rate of interest?

This is the additional amount you have to pay for the loan. It is mostly listed in the annual percentage rate, also known as APR. This rate denotes the additional amount you have to pay for the money lent and the total you have to pay back. The higher the interest rate, the more costly the loan. Personal loans generally have interest rates somewhere between 4% and 30%. Again, this rate might differ from bank to bank, so go for the one that suits your bill.

5. Repayment duration of the loan.

This denotes the duration given to you by the bank to make the repayment of the loan amount along with interest charges. Certain banks offer the option to choose the duration of repayment depending on your monthly income, this aspect too differs from one another. If the repayment period is short, then the monthly payments will be quite high, whereas, if the duration is long, then the monthly payment will reduce.

6. Limitations on the use of money

Although personal loans usually don’t have limitations as compared to student loans or car loans, it is best to clarify and find out if there are any barriers of that sort.

7. Fine for quicker payments

Just in case your financial situation for the month is a bit more stable than the previous month and you have a bit of extra cash you can deposit, there is one thing you have to check before applying for the loan. Certain banks charge a fine for payments more than the payment limit. Make sure to find out if your bank charges them, and steer away from loans that don’t give you some air for breathing.

8. The application process

This is an important step that many people overlook when applying for loans. You have to know the duration it will take for your loan to get approved and how long it will take for the bank to lend you the money.

9. Figure out your credit score

This is one of the most important factors that needs to be considered when applying for loans in the Philippines. This score can affect your chances of obtaining a loan. The lower the credit score, the lesser you can lend. This can be increased by making on-time payments, quick repayment of debts and removal of inappropriate information from your credit report.

10. Prepare for the worst

None of us know what the future has in store for us. Make sure what the fines for late re-payment or non-payment are before you decide to obtain loans in the Philippines

Now that you know the 10 most important things, you can now find a loan that suits you best. Remember not to be in a hurry, the fruits of patience are always sweet! - Maricor Bunal, TheSummitExpress

Maricor Bunal has been a Project Manager and Content Writer for a long while. Her passion in writing is her main drive in crafting articles that are engaging, informative, and meaningful. Her partnership with Loan Solutions PH has given her a whole new opportunity to take writing to a whole new level.

Top Performing Schools, Performance of Schools CPA board exam May 2015

The Professional Regulation Commission (PRC) on Thursday, May 21, 2015 announced that 2,132 out of 5,959 (35.78%) passed the Certified Public Accountant (CPA) board exam given by the Board of Accountancy in the cities of Manila, Baguio, Cagayan De Oro, Cebu, Davao, Iloilo and Legazpi this May 2015.

RELATED RESULTS
List of Passers: May 2015 CPA board exam results
Chiang Kai Shek College grad tops May 2015 CPA board exam

PRC named University of San Carlos (USC) as the top performing school in the May 2015 CPA board exam as per Commission Resolution No. 2010-547 series of 2010. USC got 59 out of 67 who have passed the exams or 88.06 passing rate.

De La Salle University (DLSU) - Manila placed second with 81.18 passing percentage or 69 out of 85 passed the series of tests.

Full Text of results CPA board exam

The performance of schools in the May 2015 Certified Public Accountant (CPA) Licensure Examination in alphabetical order as per R.A. 8981 otherwise known as PRC Modernization Act of 2000 Section 7(m) "To monitor the performance of schools in licensure examinations and publish the results thereof in a newspaper of national circulation" is as follows:

Performance of Schools CPA Board

Top 10: Chiang Kai Shek College grad tops May 2015 CPA board exam

The Professional Regulation Commission (PRC) officially released on Thursday, May 21, the list of passers for May 2015 Certified Public Accountant (CPA) board exam. Eunice Millicent Ong Li, graduate of Chiang Kai Shek College topped the board with 92.29 percent grade.

READ: 2,132 out of 5,959 pass May 2015 Certified Public Accountant Licensure Examination

Shaun Anthony Tiu Go and Jaecelle Margett Go Dy both from University of San Carlos (USC) placed second and third respectively.

The successful examinees who garnered the ten (10) highest places in the May 2015 Certified Public Accountant (CPA) board exam are the following:

RANK NAME SCHOOL RATING(%)

1 EUNICE MILLICENT ONG LI
CHIANG KAI SHEK COLLEGE
92.29

2 SHAUN ANTHONY TIU GO
UNIVERSITY OF SAN CARLOS
91.29

3 JAECELLE MARGRETT GO DY
UNIVERSITY OF SAN CARLOS
90.86

SHARMAINE FERNANDEZ SY
DE LA SALLE UNIVERSITY-MANILA
90.86

4 JAMAICA JUANIR MARJADAS
UNIVERSITY OF SAN CARLOS
90.00

5 KRISTOFFERSON DELA CRUZ
UNIVERSITY OF MAKATI
89.43

6 HAROLD PALMA CORTERO
UNIVERSITY OF THE EAST-MANILA
89.29

7 RONNEL CORTEZ TALAVERA
UNIVERSITY OF THE EAST-CALOOCAN
89.14

8 MELAN ANTHONY ABERONIO YAP
DE LA SALLE UNIVERSITY-MANILA
89.00

9 JOHN LESTER JUAREZ LASTIMOSA
UNIVERSITY OF SAN JOSE-RECOLETOS
88.71

VEEJAY POSADA RADOVAN
SAN SEBASTIAN COLLEGERECOLETOS,MANILA
88.71

10 ODESSA MARIE ONDING ALLERA
UNIVERSITY OF SAN CARLOS
88.43

RIELAND JOROMO CUEVAS
UNIVERSITY OF SAN CARLOS
88.43

BRIDJET ANIÑON DIAZ
UNIVERSITY OF SAN JOSE-RECOLETOS
88.43
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