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How to make Lactic Acid Bacteria Serum (LABS)?

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Lactic Acid Bacteria (LAB) are important groups of good organisms in fermented foods. They are the good bacteria that produce Lactic Acid as a by-product of digesting their food. LAB plays a vital role in promoting organic ways of growing foods, medicine, and cosmetics as marked being Generally Recognized As Safe (GRAS) by the FDA (Food and Drug Administration). These bacteria are generally safe for Humans, animals, plants, soils, and even in environment.  In Agriculture, LABS is used to enhance microbial presence in the soil and help improve soil pores so that air can pass through to the soil profile where plant roots are located. Some farmers who practice organic farming cultivate their own LABS for their plants, soil, and animals. Natural farmers spray their plants with Lactic Acid Bacteria Serum solution as a foliar application method; to the soil surface of the plant for the improvement of microbial activity in the soil and to fast the germination of the seeds; and deters the...
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List of BSP Licensed Digital Bank in the Philippines

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Digital banks are a new legal and formal category of banks in the Philippines since 2020, when Banko Sentral ng Pilipinas opened the application of digital banks in the Philippines. The Digital Banks are no physical branches; all of their transactions will process online using their mobile application. Receipts, queries, and other banking transactions will be done through an end-to-end electronic portal.   Here is the list of BSP-licensed digital banks in the Philippines: 1. Maya Bank, Inc. Maya (formerly Paymaya) is the number 1 bank in the Philippines in terms of users and assets. They offer a high interest rate on your savings, revolving credit limit, personal loan, top-up, crypto, bill payment, investing, and other banking services. Website : https://maya.ph Email : support@maya.ph Hotline : (+632) 8845-7788 Address : 6/F Launchpad Center, TV5 Media Center Complex, Reliance corner Sheridan Streets, Barangay Buayang Bato, Mandaluyong, Metro Manila, Philippines   2. UnionDig...
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5 advantages of being a Card Bank member

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Financial security is what we always aimed for. This is the reason why we wake up every day, why we go to work and do job tasks hardly, and why we fight for our kids future. The financial security will give us an assurance to live without worrying about bills to pay and money to spend for needs. Do we have this mindset? To become financially stress-free in the future before our aged stage.Though most of us are living from paycheck to paycheck, we have goals in life to leave this behind. We have dreams to fulfill. Maybe the reason why you are still in the rat race is that you have no financial plan yet; you have not yet started to build your dreams, or you don't know how to start with it.  You have dropped in on this blog because you have a real goal to become successful in life and become financially secure. Let us explain to you, "Why do you need to join a financial organization or institution like a card bank?"Before we discuss anything about this bank institution, we ...
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Viber Rakuten will launch a new e-wallet this 2025

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As per GMA News , Viber Rakuten Philippines announced the possible launch date of their newly digital wallet in the Philippines on Tuesday, February 18, 2025 during the held media briefing at Bonifacio Global City, Taguig City. Rakuten Viber will be the first social messaging app in the Philippines to offer a fintech solution. The Viber CEO Ofir Eyal, said on Tuesday that they intend for its e-wallet service to integrate with their messaging app to lessen the hassle or the “friction”, between the payment platforms and messaging apps when making purchases or doing a remittance. Viber Pay, as named on the e-wallet that will be embedded in the Rakuten Viber App, will help to make dynamic and smooth payment transactions between the customers and businesses in the app. It will also simplify the money transaction of the users between the other users, as all of their transactions, references, and traces will just be within the single app. Users will not go to other e-wallets, banks, and oth...
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Landbank offer new emergency loan to all Government Employees, Pensioners

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Landbank, the state-owned bank, launched a new loan offer for all eligible government employees and pensioners. This is to help government employees in times of emergency expenses and other urgent financial requirements. The Pension and Emergency Relief (PeER) loan facility offers from 20,000 pesos up to 100,000 pesos. Landbank will add a 10% per year interest rate to your loan. Which is lower than other emergency loans offered by the financial sector like 5-6, OLA's, and e-wallets.   All interested individuals are encouraged to visit any Landbank branches nationwide and/or call the Landbank hotline number to help in facilitating the offer.   On the report of Abante, the House Committee on Labor and Employment chairperson at Rizal Rep. Fidel Nograles said, "Maganda po ang bagong loan program na ito upang may legal na malalapitan ang ating mga kawani ng pamahalaan at pensiyonado sa halip na lumapit sa mga nagpapa-'5-6'.”   Nograles believes that PeER will h...
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How to recover your Konek2Card Card Bank Online Account if you have lost your mobile number?

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Mobile number is one of your special keys to recover your online banking accounts, e-wallets, lending apps, and even all your social media accounts where your cellphone number was connected. In the recent year, the mobile number registration was implemented, which means your personal identity is now linked to your mobile number, and all of the registration was done on the telecommunications portals themselves. So, losing your mobile number is not just simple but really a big deal. Not just for recovering your social media accounts, bank accounts online, or even in e-wallets, but also a worry of losing your security. Though in case you have lost your mobile in any case of losing it through theft, misplacement, or defect, always call the telecommunication company of your number and report the incident for blocking or holding your number for any possible transactions that may use the number. After you have been reporting, you can request a number recovery or SIM replacement on your lost S...
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How to Increase your Maya Easy Credit Limits?

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Seems Maya hard to increase your Maya Easy Credit limits. What do you think are the factors affecting your limit increase? As Maya is finding hard to stand alone in providing financial services after being converted into a Digital Bank from a regular E-wallet they are hard to give an immediate increase to its users. Maybe they carefully analyze the behavior of their users before providing loan limits. In comparison as Gcash has two financial firms providing Loan Services to the app users and has multiple partnerships with different financial firms, Maya is a bank providing financial services coming from its own alone to provide loans, finance services and cater other banking services including crypto trading. What factors may be affecting your possible Maya Easy Credit limit increase? Showing your love and trust in the app is the best way to increase your limit. Maybe you have no savings in Maya, so why you can not try to save regularly in Maya savings or open a time deposi...
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Sloan and SPayLater Users Review and Guide

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Sloan and Spaylater are both Financial services provided by Shopee Philippines for their selected users. These financial features offer buy-now-pay-later and cash loans so that users can enjoy their shopping experience in the app. SeaMoney (Credit) Finance Philippines Inc. is the financing company of Sloan and SPayLater in the Philippines, which is part of the Sea Group - operating seven markets in Southeast Asia, including Taiwan. It was registered as a finance and credit provider in the Security Exchange Commission on August 4, 2020, with registration number CS202005382. In part of their mission to better the lives of individuals and Businesses in Southeast Asia through technology, SeaMoney serves the financial needs of Filipinos through SeaMoney (Credit) Finance Philippines Inc. and SeaBank . What is Sloan? Sloan is a cash loan offered by Shopee Philippines, in which users can borrow money with the approved credit limits on the platform. Sloan is limited only to the selective users ...
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2 Ways to Cash Out Spaylater Credit Limit

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Spaylater is the buy-now-pay-later payment option offered by shopee to their selected users. This feature is available exclusively in shops to help users enjoy the shopping experience without worries. More of the users are prepared to cash out credit limits like Sloan. They are more likely to use money for personal and daily needs. Sloan is offered by shopee app once users continuously use Spaylater with good payment history but exceptional to those users with a high credit reputation and history to other financial institutions such as banks, CIC, e-wallets, and other lending companies. However, like Sloan, Spaylater can eventually use it as a payment method outside the application via QR code payment. Just finish this article for you to enlighten more.  If you are a new user of Spaylater, this option is temporarily unavailable. Enjoy using spaylater instead and wait to activate the more features that you can enjoy of using spaylater. Here are the following steps on how you can tra...
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Personal Loan in Mabilis Cash | FinTech Review

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Mabilis Cash is one of the online loan apps based in the Philippines. They offer non-collateral personal loans which you can borrow money from your phone just by providing your personal information and one valid government ID. A non-collateral personal loan is an easy and fast emergency loan offered among Online Lending Apps, in the counterpart of their offers, clients will be charged a high interest rate, high processing fees, and insurance fee for their loanable amount. Mali Lending Corporation operated under the name Mabilis Cash was registered with the Security Exchange Commission on year 2019 based on the data on the SEC website. In this article let me discuss all the things you need to know about Mabilis Cash (formerly PESO AGAD). This review will be based on the experiences of users. How much is the first offer of Mabilis Cash? Non-collateral loans are like a stepping stone in building credit gradually. Lending Application credit assessment may depend on how you manag...
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