- Service Manager-Housekeeping
- HR Admin
- IT Staff
Send your updated CV to Recruitment@maayohotels.com
For inquiries, you may call or text 0998-596-0740 or (032)512-0200 local 7009
 |
| Add caption |
Home improvement can be costly. Renovating a space that is less than 1,000 square feet can cost up to $18,000. Improving an older home can cost even more, especially if the plumbing, wiring, and other features are not up to current standards. If you are moving around a certain budget for home improvement, careful research and planning, as well as creativity and resourcefulness can come in handy.
But before setting a budget for home renovation, consider how you are financing your home. Whether you are paying in cash, taking out a loan, or applying for credit, your budget for home improvement must be well within your remaining funds every month.
Now, here are a few tips on renovating and styling your home while still working around a budget.
This article was originally published on Payment1.com.
 |
| Photo by Wendelin Jacober from Pexels |
But before setting a budget for home renovation, consider how you are financing your home. Whether you are paying in cash, taking out a loan, or applying for credit, your budget for home improvement must be well within your remaining funds every month.
Now, here are a few tips on renovating and styling your home while still working around a budget.
Declutter First
The first thing that you want to do is clean up. Throw away, donate, or sell things that you no longer need. Whether you want to do it Marie Kondo style and pick out which items spark joy and which don’t, or go by the good old rule that says if you haven’t used it for more than 6 months, time to let it go, you have things to throw away, for sure. Cleaning up enables you to better visualize how you are going to rearrange your furniture and store some of your belongings. Plus, you can save a few bucks by selling some of the items you’ve decided to let go of.Demolish-It-Yourself
You can save a few dollars and reduce labor costs by doing the demolition yourself. If it doesn’t need expertise, such as removing a cabinet or pulling up a tile, consider doing it yourself rather than hiring someone to do it. Just make sure to do it very carefully to avoid injuries.Buy fixtures and finishes yourself
Contractors usually charge an hourly fee to do the shopping for you and even put a mark-up on the price, so be clear with them that you want to do it yourself.Shop for sales
Not everything needs to be brand new. You can save a lot by taking the time to look for used and refurbished items on the market. This can significantly reduce costs for appliances and finishes. You may also want to consider restoring or upcycling some of your furniture instead of replacing them. For example, instead of buying a new sofa, you can update your vintage one with a new fabric or a neat upholstery.Do the painting yourself
Having a room painted by a professional can cost up to $300. Painting is easy and only requires basic knowledge on how to apply coats, so do your research if you don’t have a lot of experience in painting.Decorate
Use traditional decorations such as candles and mats that don’t cost much to enhance the overall look of your house. Spruce up rooms with on-trend curtains or blinds. Stylish rugs need not be expensive, either. There are companies that allow you to create your own carpet and rug design for less than you expect. You don’t have to spend a lot for your house to look luxurious.This article was originally published on Payment1.com.
9/03/2019 07:35:00 PM
No comments
Phone: (0935) 363 6276
9/03/2019 10:00:00 AM
No comments
Working from home or freelancing has become the "IN" thing these past years. Because of this, co-working spaces are springing up like mushrooms in the urban areas lately.
Just this August, Co-Co Hub, City of Bogo's first co-working space opened for business. The Bogo Times heard of this awesome news thanks to BOGOHAKNOWNKO.COM. So TBT decided to experience the co-working & co-learning environment.
Co-Co Hub is a good place for students who need a quiet place for studying and project-making. It's also perfect for freelancers or professionals who are working remotely. You can also play board games like chess and Monopoly.
The best thing about Co-Co Hub is the Internet speed. The Bogo Times tested its internet connection speed via Speedtest.Net and here's the result:
And did we mention that coffee(brewed) is free? And UNLIMITED!
WiFi Voucher rates:
- 3 hrs for 50 pesos
- 12 hrs for 150 pesos
- 1 week for 950 pesos.
You may check their Facebook page and PM them for details:
 |
| Hub Rules |
8/23/2019 07:49:00 PM
No comments
Being a first-time car owner is an exhilarating experience. For sure you’ve spent months, even years, planning, researching, and saving for this important purchase, and now you finally hold the keys! Now what?
Whether you purchased a brand new car or a second-hand one, you need to know how to care for it. Proper car care means less need for repairs, which means fewer expenses down the road. Here are a few tips for first-time car owners like you.
Start by taking the time to read the owner’s manual.
Manuals of anything are long and boring, which is why most of us skip it. Your car’s manual may not be the most interesting read, but it contains vital information about your car such as its features, maintenance schedule, the fluid or oil to use, and tire pressure, among others. If you have a second-hand car and the manual did not come with it, search the Internet for an online copy.
Organize your car documents.
As early as now, keep your car documents organized and tidy. Put all your receipts for car maintenance services and repairs in a filing folder or envelope so that when the time comes when you decide to resell your car, you have proof that your car is well taken care of.
Keep your tires properly inflated.
The ideal pressure level for your tires is indicated in the owner’s manual, so yes, it’s really important that you read it. Tires that are not properly inflated will wear your car faster, waste gas, and degrade the car’s handling. Check your tire’s pressure at least once a month and before going on a long trip.
Don’t skimp on carwashes.
Regularly having your car washed preserves the integrity of your car. Have your car waxed after every wash, too. Your car is vulnerable to bird droppings, road grime, and splatters among others, so it’s best that you give it a proper cleaning on a regular basis to maintain the quality of your car paint.
Follow your maintenance schedule.
The owner’s manual suggests how often you should avail maintenance services such as oil change and timing belt replacement. You can prolong the life of your car by staying on top of car maintenance.
Join the club.
Being a member of a motor club has a lot of perks like discounts at partner establishments. Aside from that, they also offer 24-hour roadside assistance in the event that you get a flat tire or your car breaks down. Some auto insurance companies have an affiliated motor club. Give your agent a call to ask about it.
Secure your emergency roadside kit.
This should include a first aid kit, fire extinguisher, three reflective triangles, flashlight, jumper cables, gloves, extra batteries, rags, duct tape, tire gauge, foam tire sealant, and tow rope, to name some of the most important things. You should also have a rain poncho, warm blanket, and drinking water in your car at all times.
Get a good local mechanic.
Ask around, get recommendations, and research on well-qualified mechanics around your area. A good and reliable mechanic is hard to come by, so if you’re lucky enough to find one, keep a good relationship with them and make sure that every transaction is done with trust and respect.
This article originally appeared on Payment1.com
8/05/2019 01:18:00 PM
No comments
8/05/2019 12:01:00 PM
No comments
Getting out of debt is not an easy journey. It takes time, discipline, and sacrifice to successfully do it. For one, it takes a significant change in financial lifestyle and spending habits if you are determined to get out of debt. This means cutting back on eating out, buying new gadgets and jewelry, and taking vacations -- all made more difficult to do by targeted ads everywhere, any time of the day.
While it is undoubtedly one of the most daunting tasks you’d have to do in your life, getting out of debt is possible, provided that you are committed and serious about this life-changing decision. However, just like any endeavor, you are bound to make mistakes. Here are some you would want to avoid to keep yourself on track in overcoming this financial challenge.
Mistake #1: Setting an unrealistic budget.
After committing to paying off your debt, possibly within a time-frame you have set for yourself, you set a monthly budget to work around with now that you are putting aside cash for debt payments. Do not make the mistake of setting an impractical and unrealistic budget to make room to pay for debts. Make sure to take into account all your financial needs such as groceries, housing, utilities, insurance, retirement, emergency fund, and other important parts of your budget. Make sure that the new budget is not too far away from the one you’ve been following for years. Ease your way into it and evaluate if you can set aside a few more bucks for debt payments in the next months.
Mistake #2: Doing the old spending habits.
Since you are working around a new budget, you will need to adjust your spending habits. Start with the little things such as drinking coffee and eating breakfast at home and preparing packed lunches every day. If you shop for new clothes every week, try to limit it to once every month if you can. You might have to remove your browser bookmarks for online shops for now to avoid the temptation.
 |
| Image by 1820796 from Pixabay |
Mistake #3: Cutting into your emergency fund and retirement savings.
Do not stop allotting money for your emergency fund. With or without debt, you need three to six months worth of monthly expenses for emergencies. Also, continue contributing 5 to 10 percent of your monthly salary to your retirement fund. When it comes to retirement savings, time is your powerful tool, so putting it off or stopping can hurt your retirement years.
Mistake #4: Paying off all debts at the same time.
It’s possible that you have more than one source of debt -- may it be credit cards, mortgage, or student loans. It would help if you prioritize paying off the debt that incurs the highest interest. Religiously stick to your budget and pay off your debts one by one, starting with one that has the highest interest.
Mistake #5: Doing it alone.
It’s understandable if you do not find seeking the advice of relatives and friends regarding your finances a good idea. The good news is you don’t have to. There are nonprofit organizations you can get free help from. Credit counselors from these agencies can provide suggestions on debt settlement and management, credit consolidation, and debt-relief programs.
This article originally appeared on Payment1.com.
7/24/2019 05:41:00 PM
No comments
Credit cards can either make you or break you. If you do not handle your credit card usage responsibly, credit cards could ruin your credit score. However, when used the right way, they can help you build good credit standing and open you to more financial freedom. But how can a small square of plastic help you build your credit scores? And why does a good credit standing matter?
 |
| Image by StockSnap from Pixabay |
Your credit standing is based on your credit history, which is a record of your past financial behaviors (i.e. do you pay your dues on time?). It tells a potential lender your likelihood of paying them back and tells them how trustworthy and reliable you are. Your credit history is recorded in your credit report, which indicates your risk as a borrower through a numerical value called the credit score. If you have a bad credit score, banks and other businesses may not want to do business with you or would offer you terms that may be harder than if you had good numbers on your credit report.
So how can you achieve good credit standing using your credit card?
Being a responsible spender when using your credit card will ensure that you will build good credit standing. But here are a few things you need to know.
First off, you’d need a credit card. Choosing your first could be tricky. A good rule of thumb to follow is to apply for a credit card that suits your credit score or your capacity to pay. You would not want to have a card with a credit limit you cannot pay off in full. Also, apply for cards that do not have annual fees and take note of the perks. These things can lighten your financial burden.
If you already have a credit card, always pay on time. Remember that little thing called credit report? If you pay your dues late, this will reflect on your credit report, and when it does, this could lower your credit rating. Use your credit card to pay for little expenses that you know you can pay off, like your groceries. Using it frequently can help you build credit, and as long as you pay your dues on time, it will help you build a good credit score.
Pay in full. Credit card interest rates can get insanely high. If you only pay the interest per month, your credit card debt will only get bigger. Try to pay in full, and if you cannot, at least pay more than just the minimum due.
Never spend more than what you have. If you are eyeing that new phone that’s over $1000 but you don’t have that thousand in your bank, don’t use your credit card. Treat your credit card like a debit card. This way, you are sure you can pay off your debt when your bill comes due.
This article originally appeared on Payment1.com
7/09/2019 04:32:00 PM
No comments
The City of Bogo will host the Cebu North 50K Ultramarathon II on July 13-14, 2019, covering the roads of Bogo City and the Municipality of Tabogon. The said race has attracted to almost 500 long distance runners in the men's and women's 50K and 25K categories.
Team ADR's Jez Ramos said that the race will have a festive ambiance as food and beverages will be offered along the route.
The 50-kilometer race will start on July 13th at 10 in the evening while the 25-kilometer race will commence on the 14th at 3:00 A.M. Cut-off time for the 50K is 10 hours, while a 5-hour cut-off is set for the 25K category.
Prizes
50kms MEN Category:1st: P3,000
2nd: P2,000
3rd: P1,000
50kms WOMEN Category:
1st: P3,000
2nd: P2,000
3rd: P1,000
25kms MEN Category:
1st: P2,000
2nd: P1,500
3rd: P1,000
25kms WOMEN Category:
1st: P2,000
2nd: P1,500
3rd: P1,000
For more details visit the CEBU NORTH 50K II FB event page.
7/01/2019 07:37:00 PM
No comments
Moving can be exciting — but expensive. Between the first and last month’s rent, your security deposit, and other costs, your bank account may be hurting. To top it all off, your new apartment feels foreign, like it’s someone else’s home. But don’t worry — you can add homey, personal touches to your new digs without digging a larger financial hole for yourself.
 |
| Photo by Pixabay from Pexels |
Know What You Can Do
In order to be able to confidently channel your inner Joanna Gaines, you need to check with your landlord to see what you’re allowed to do with the space. Often, they’ll agree to cosmetic changes that can easily be reverted when you move out. Some landlords will let you make more substantial alterations or upgrades with their prior approval. Regardless of what your plans are, be sure to have what’s OK, what’s not, and any instructions clearly spelled out in your lease before you pick up that paintbrush or nail gun.
Pro Tip: Keep the originals of anything that you replace (unless otherwise instructed by your landlord) so that the apartment can be reset to its prior condition when you move out.
Set Up Your Space
There are lots of ways to make any space more attractive and functional. Here are a few interior design tricks to try:
- Use large mirrors: They make small areas seem more spacious.
- Arrange your furniture strategically: This can turn an open area into well-defined living spaces.
- Get double duty furniture: Ottomans are for reclining and storage, tables are for dining and working, and sofa beds are for movie watching and sleeping.
- Use curtains in different ways: In addition to beautifying your windows, try curtains as wall hangings or room dividers.
- Experiment with lighting: Yes, place light fixtures where they make functional sense, but also use them to highlight your home’s best features, like built-in cabinets or a piece of art.
- Throw some throw rugs around: They can be great color accents and help to establish the borders for areas.
Small Things Make a Big Difference
You don’t have to rely solely on furniture to make your apartment give off your vibe. To pepper in your personality throughout your home, try picking up small, inexpensive items like:
- Throw pillows, picture frames, or vases: The right ones scream your style and are easy to switch up as your tastes change.
- Plants: Real, low-maintenance plants such as succulents help to beautify your abode, give your space an oxygen boost, and simply need occasional watering.
Give Items a Facelift
With a little elbow grease, you can take what you already have and breathe new life into it. Here are some budget-friendly suggestions:
- Paint the walls: Choose a color that puts you in a positive mood, but do yourself a favor and make sure it’s easy to paint over when your lease is up.
- Look into removable wallpaper or tile stickers: You can apply them to anything dingy, boring, or ugly.
- Swap out lampshades: This makes sticking to a color scheme a snap and can really modernize the look of the lamp.
- Change door knobs or hardware on furniture and cabinetry: There are so many styles to choose from and you might be surprised at how much of a difference it makes.
- Refinish or reupholster your furniture: It will look like a brand new (and totally different) piece.
- Get new light fixtures: Sconces or pendant lighting can add a dramatic, personalized flair.
DIY Decorations
Sure, you can buy art that’s pre-made. But if you want it to be perfectly true to you, you should make it yourself! You don’t have to be the next da Vinci to try these projects:
- Apply paint to canvas: Find your muse and sling the color in whatever way strikes your fancy.
- Play with clay: Whether your clay pot actually looks like a pot is irrelevant. Making your own pottery can be a great decoration and conversation starter.
- Create a collage: Your favorite photos, magazine clippings, and other keepsakes can culminate in a lovely tribute to your past, or help you manifest your future as a vision board.
Decide Where to Shop
Depending on your budget, preferences, and what’s available, there are several places to shop for home decor:
- Check out large retailers: Places like Walmart, Target, and HomeGoods may offer some deals on brand new items.
- Go used: Flea markets, estate sales, auctions, and Craigslist are all tried and true avenues for finding vintage pieces that fit your theme.
- Try an app: Technology makes it a breeze to connect with others that want to unload just what you’re looking for. Check out OfferUp and NextDoor.
- Leverage your network: Your friends and family may have things they no longer need that you can use. The best part? Chances are, they’ll let you have them gratis!
Final Thoughts
While decorating/furnishing a place can be expensive — especially for first-time renters — there are ways to express yourself without emptying your wallet.
Tell Charlie: What’s your favorite, budget-friendly way to customize a new home?
Please note: We don’t have an affiliation with or personally endorse any of the services linked to in this post. We’re just trying to give you some ideas.
This article was originally published at HiCharlie.com.
by Laura Gariepy | Jun 14, 2019
6/28/2019 11:29:00 AM
No comments
When your personal loan application gets denied, it can be disappointing. Most people are also puzzled. Even people with strong credit scores can get denied, and it makes them wonder why. Below are a few common reasons why banks deny personal loan applications so the next time you apply for one, you’ll know what and what not to do.
 |
| Photo by rawpixel.com from Pexels |
Bad credit score
Let’s get the most obvious reason out of the way. When you have a bad credit score, lenders are most likely to deny your personal loan applications. Your credit score is what tells banks the likelihood of you paying them back for the loan. If your track record is not very good when it comes to paying what you owe, chances are your bank will be resistant to granting you loans.
The loan amount is too high
Lenders will take into account your capacity to pay back when you apply for a loan. When you fill out that loan application form and put in too high of an amount in the “desired loan amount” field, banks will most likely deny your application. To avoid this mistake, use an online loan calculator. Loan calculators can tell you how much you can borrow given your current income.
Unstable employment record
Because banks consider your ability to pay the loan off in the long run, they will be looking at your employment record. So if you have an unstable employment record or worse, no employment at all, banks will be hesitant to grant your loan application. Lenders will require certain employment tenure or length of service, which is why banks typically require you to submit a certificate of employment.
Insufficient income
When you don’t make enough to apply for a loan, you will most likely not get approved. You need to be able to make the monthly loan repayments, and If you do not make enough money to pay them and at the same time address your basic needs as well, lenders will not grant you a loan. This is because you are most likely to use your income for your basic needs than to pay off the loan.
You have too much debt
When you apply for a personal loan, your bank will do a background check to see if you have any outstanding loans. This is so they are sure that you have the capacity to pay. If you meet the minimum income requirement and have a good credit score but have several outstanding loans, they will most likely be hesitant to grant you another one. The more loans you have, the less capacity you have to pay back an additional loan.
How you fill out the loan application
If you have any mistakes or inconsistencies in your loan application, lenders might not grant you your personal loan. Your data needs to be complete, correct, and consistent. Lying on your application will get you denial and could possibly land you on your bank’s bad side.
Consider the list above the next time you apply for a personal loan. Make sure you fill out the application completely and honestly, have a good credit score and enough income to make the payments, and make sure you’ve been employed a while.
5/31/2019 01:41:00 PM
No comments
