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Choosing the right loan for beginners

Loans are great for serving a number of purposes. They come in handy for purchase of big ticket items, or a means to buy your dream house or car, or simply as a buffer for emergency cash needs.

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Loans are great for serving a number of purposes. They come in handy for purchase of big ticket items, or a means to buy your dream house or car, or simply as a buffer for emergency cash needs.

However, applying for a loan for the first time can cause confusion, to say the least, and can come with serious financial consequences. To set you off to a good start, eComparemo, the country’s largest online financial supermarket, guides you to choose the right loan for you.

Types of loans

Personal Loan

Personal loans are usually unsecured loans, which means it’s based purely on your credit score and does not require any collateral unlike secured loans. The interest rates may range from 1.2% to 8%, depending on the financial institution, and payment terms are typically shorter, from 6 to60 months.

Car Loan

Car loans are for people who don’t have enough cash to shoulder the full purchase of a vehicle. It has flexible payment terms of 3 to 5 years. It’s easy to apply for a car loan–just submit valid IDs and proof of income to get pre-approved. It may require you to have the down payment for the car to get approved.

Home Loan

Housing loan interest rates are decided between you and the financial institution, with payment terms ranging from 5 to 30 years. The lender maintains property rights as collateral, and an appraisal fee typically applies.

OFW Loan

OFW loans work similarly as personal loans, but are specifically targeted at overseas Filipino workers (OFWs) with valid contracts. A co-borrower or immediate relative based in the Philippines is required. It usually has flexible payment terms to accommodate the specific needs of OFWs and their families.

Credit Cards or Cash Advances

Cash advances are short-term loans with higher interest rates and is typically paid for the following month. Some credit card companies offer longer terms from 3 to 12 months. The amount you can borrow depends on your credit limit.

Business Loan

Business loans can be used for a new business or the expansion of an existing one. Examples are line credit, equipment loan, and conventional business loan. Submit your business registration and tax documents to apply. Terms depend on the nature of your business and the agreement between you and your lender.

For more information, please visit eComparemo.com.

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3 Ways you can kickstart a healthier lifestyle and help the planet today

Registration to the GCash Eco Run is now open until March 22, 2025. Sign up via the GCash app and receive your GForest Tree Certificate on event day.

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The new year is the perfect time to focus on health and wellness. For many, setting fitness goals and building better habits mark the first step toward a healthier, more active lifestyle.

Whether it’s exercising daily, meal prepping, or practicing healthy hydration everyday – these small, consistent habits can lay the foundation for long-term success.

The key is consistency—and it doesn’t have to feel overwhelming. Here are some steps you can take to invest in a healthier life this year.

1. Develop just one healthy habit – but do it every day

Healthy habits don’t have to be complicated. Start with an activity you genuinely enjoy and aim to do it every day for two months. Once it becomes a habit, you’ll no longer rely on willpower to stay on track—it will be automatic.

A great example of a simple healthy habit? Running.

Running has surged in popularity, and it’s easy to see why: running boosts the mood, reduces anxiety, and delivers tons of physical benefits. And it’s not complicated—just grab your sneakers and hit the road!

One way you can really build your fitness habit is to join others in their journey. Run clubs have become a go-to for those looking to stay active and make connections. Their workouts are shared experiences, which can help you stay motivated.

2. Move your body everyday

Incorporating movement through running and joining runs as part of your routine is one of the best ways to build a healthy lifestyle. This year, you can make your steps count even more by joining the GCash Eco Run.

The GCash Eco Run gives everyone the chance to combine fitness with helping the planet. In partnership with Silliman University, a grey mangrove tree will be planted in Negros Occidental for every person that signs up to the GCash Eco Run. To double the impact of this initiative –  GCash will plant an additional tree, for every tree planted!

Mangroves play a vital role in combating climate change, protecting local coastlines from erosion, and supporting the livelihoods of coastal communities by serving as fish nurseries. This initiative not only strengthens environmental resilience but also ensures sustainable livelihoods, fostering long-term benefits for both nature and people.

The GCash Eco Run offers distances for everyone – from beginners to more seasoned runners. The 3K and 5K races are open to participants 13 and older and children 12 and under may join if accompanied by a parent or guardian. Those who want to stretch their capabilities can join the 10K races, which is open to participants 16 and older.

The GCash Eco Run is happening on March 23 along Ayala Avenue in Makati. Every step supports mangrove restoration, helping protect our shores and marine life, so take advantage of this special offer while it lasts.

3. Embrace the Journey

Fitness is a journey, not a sprint. Progress takes time, so celebrate every small victory and don’t let setbacks discourage you. With consistency, movement becomes second nature—so embrace the process and have fun along the way.

Make 2025 the year you prioritize your health and your role in helping the planet. Join the GCash Eco Run to turn your fitness goals into meaningful action this March and create a healthier, more sustainable future—one step at a time.

Registration to the GCash Eco Run is now open until March 22, 2025. Sign up via the GCash app and receive your GForest Tree Certificate on event day. For more details, visit this link.

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NewsMakers

5 Habits to help maintain immune health

Along with the guidance you receive from your health care provider, consider these dietary and lifestyle recommendations to support your immune system naturally.

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Cold and flu season is here. The best way to battle cold and flu season is to prevent coming down with anything at all. While it’s impossible to stay entirely safe from germs, sniffles and coughs, there are a few healthy habits you can incorporate for extra protection this year.

Along with the guidance you receive from your health care provider, consider these dietary and lifestyle recommendations to support your immune system naturally.

Commit to a Healthier Diet

Essential for optimizing your immune system, eating a healthy diet consisting of more foods like fruits, vegetables, nuts, seeds, legumes and whole grains is recommended by experts. These foods contain beneficial plant compounds linked to health benefits in humans. Case in point: fresh grapes.

Natural grape compounds, including antioxidants and other polyphenols, may help protect the health and function of cells. At the most basic level, healthy cells are the foundation of good health.

Making simple swaps such as choosing fresh California grapes instead of processed snacks or adding grapes into favorite recipes for a healthy boost are tasty ways to add these beneficial compounds.

Studies suggest some grape compounds may positively influence immune function, including resveratrol and certain flavonoids. Additional studies show adding heart-healthy grapes to your daily diet can help support brain, colon and skin health. Grapes are also a good source of vitamin K, which may help support lung health. Incorporate the health benefits of grapes into your diet with an easy, convenient recipe like Grape and Brussels Sprout Slaw, perfect for eating on its own or pairing with a favorite protein such as grilled chicken breast.

Prioritize Basic Hygiene

Preventive practices can help you avoid germs, protecting yourself and others at the same time. Frequently wash your hands using soap and water, limit contact with others who may be sick and cover your nose and mouth with a tissue or elbow while coughing or sneezing.

Stay Active

Cold and flu season lines up with brisk temperatures, often making it more difficult to get outside for exercise. Find an activity you enjoy like moderate-intensity walking, jogging, biking or playing an aerobic sport. The “Journal of Sport and Health Science” reports exercise can help improve immune response and reduce inflammation, making it a key way to prepare your body to fight back.

Hydrate, Hydrate, Hydrate

Staying hydrated helps your immune system by keeping the body’s defenses functioning properly. In addition to drinking water, you can increase hydration by eating foods with high water content like grapes, which contain about 82% water.

Manage Stress

You can help control stress – which has a negative impact on overall health and wellness – in a number of ways. Practice deep breathing or meditation, engage in activities and hobbies that bring joy and develop nighttime habits that promote good sleep. If snacking in the evening, choose foods such as grapes that are a natural source of melatonin, a compound which helps regulate sleep cycles. Talk with someone you trust, like a friend, family member or mental health professional, to help relieve stress.

Visit GrapesFromCalifornia.com to find more ways to support your immune health.

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NewsMakers

Daily ritual you’ll never want to skip for a healthier, happier you

As time passes by, we see our commitment to staying healthy weaken. It’s either we find ourselves making excuses to skip our workout routines, we forget to take our supplements, or we just eat whatever’s readily available without regard to its nutrition.

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Everybody dreams of having an active and healthy lifestyle. We all want to live long enough to reach all our goals and not be a burden to our families. However, in a fast-paced society, it is easy to get caught with the demands of our everyday life. Often, we juggle different roles such as that of a child, a parent, a friend, a partner, or even a workmate that require us to manage multiple responsibilities at once. As time passes by, we see our commitment to staying healthy weaken. It’s either we find ourselves making excuses to skip our workout routines, we forget to take our supplements, or we just eat whatever’s readily available without regard to its nutrition.

Then one day, we suddenly feel random parts of our body begin to ache, we easily get fatigued, and we can no longer do activities that we did with ease a year ago. This is when we realize that something needs to change with how we manage our lifestyle. But where do we start? How do we squeeze in staying healthy amidst our busy schedules?

If we want to become conscious of our health and what goes into our body, we need to be well-versed with what nutrients our body needs and how much of them we must consume to reach peak performance. It is important to take note that these essential nutrients are necessary for normal body function, growth, and development. However, they are not synthesized by our system, thus, they need to be externally sourced from foods or supplements.

The Macros

Macronutrients are the set of nutrients our body needs to consume in large amounts, specifically proteins, carbohydrates, and fats. These are broken down to provide energy and building blocks for our body’s structure.

Proteins are known as the body’s building blocks, especially for muscle tissue. They are also known to aid in our digestive system through digestive enzymes, improve the structure of our skin by providing antioxidants, collagen, and elastin, and nourish our hair and nails through keratin. Proteins can be sourced from lean meats, poultry, eggs, fish, and dairy.  

Another set of nutrients that our body needs in large quantities are carbohydrates or the body’s go-to energy source. They fuel us throughout our daily activities and during short to moderate lengths of exercise. Carbohydrates are the preferred fuel source for movement, biosynthesis of proteins, brain function, and more. This food group includes bread, pasta, rice, cereal, fruits, and vegetables.
The last set of essential macronutrients is healthy fats which are essential in giving the body energy and supporting cell function. They also help protect our organs and keep our body warm. We can get this from avocado, almonds, nuts, fish, and oils coming from olive, sunflower, and canola.

The Micros

Micronutrients are the set of nutrients that our body needs in smaller amounts but are nevertheless essential to our health. These are minerals and vitamins which are vital in ensuring that our bones, muscles, heart, and brain function properly and efficiently. These are also in charge of making enzymes and hormones. There are various sources for these like fruits and vegetables, lean meats, fish, whole grains, dairy, legumes, nuts, and liver.

The Supplements

But the thing is, it is not every day that we get to cook or consume meals containing all the essential nutrients that we must take in. Our body’s health needs remain constant day by day. So, what do we do? This is where supplements come in. They ensure that we still get the right amount of nutritional supply to eat, sleep, and perform better even on days our diet is insufficient.
This is something USANA is known for. Throughout the years, they took pride in providing consumers with the highest quality nutritional products to provide support in their active lifestyle. Their wide range of food supplements for various lifestyles and ages ensure that necessary support is provided where it is needed. Such supplements include: Cellsentials, MagneCal D, and BiOmega.

Maintaining a healthy lifestyle is a lifelong commitment. But it doesn’t have to be a burden as we go through our daily routines. Knowing the right nutrients and supplements and incorporating them in our daily ritual, a long and healthy life no longer needs to be just a dream but rather a lived reality.

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