RCBC Encourages Consumers To Take Active Actions Towards Account Security

The account safety and security of every banking consumer will always be the priority of any financial institution. Nowadays, many banks are improving their systems and taking active measures to prevent threats of loss, breach, or fraud to their clients’ bank account.

One of the largest commercial banks in the country, RCBC has long been recognized to be a trusted banking partner of many Filipinos. As it continues to put its customers first, it takes action to educate everyone about how they can help safeguard their accounts.

As a Bank customer, here are some simple practices you can follow to keep the integrity of your account:

Inform your bank about changes in your personal information
Just like how you should change your bank PIN to avoid fraudulent activities, personal details such as contact numbers, email addresses, and home addresses must also be updated as it helps the bank in making sure that information is securely delivered only to you.

Be aware of who you are speaking to
Do not disclose any sensitive information to just anyone. Nowadays, scammers are going as far as posing like a regular employee from your certified bank. They might ask you to give card details in exchange of interesting promos and prizes. Know that RCBC will never ask for your password, PIN or security code on the phone or online. 

Regularly review transaction history
Know your finances and always keep yourself up-to-date about the current balance of your account. RCBC offers hassle-free online viewing of your statement of account, or eStatements, when you visit www.rcbconlinebanking.com and enroll your account. You may still opt to have a printed copy delivered to your mail address or picked up at your branch of account subject to corresponding monthly fees. 

Keep records of your banking activities 

All your transactions are recorded in your monthly Statement of Account. Make sure you regularly review this to ensure that transactions reflected there are actually your own. For transactions done over the bank counter, it helps to secure a machine validated slip of your exchange with the bank before leaving the branch premises.

If you have a passbook, do not forget to bring it with you and have it updated to help manage your finances. You must also take the transaction receipts every time you go to the ATM to keep track of your daily cash withdrawals. For online transactions, make it a habit to check the confirmation emails that you will receive.

Along with these useful tips, RCBC wants to assure its banking clients that they are using advanced security technology and are putting quality systems and processes in place to help defend accounts from online and offline threats by issuing a One-Time-Password (OTP) sent to the client’s mobile number for online transactions.

The bank continues to empower Filipinos with innovative financial products and services that safeguard the trust that consumers have placed upon them.

Star Cruises Releases An “SSV Flash Sale” For One Week, Exclusive For Superstar Virgo Holiday Concept Cruises!

Holidaymakers were in for a festive treat, with SuperStar Virgo, the flagship of Star Cruises announcing her return to well-loved Manila homeport in December with holiday concept cruises. With enticing family-friendly offers, Filipinos found more reasons to take their vacations and parties aboard with spectacular line-up of theme cruises on SuperStar Virgo and 5-night journeys to the sandy beaches in Southern China, as well as idyllic destinations in Vietnam, Palawan, and Kota Kinabalu.

And as added surprise treat, Star Cruises drops a week-long “SSV Flash Sale”, bringing back ever-popular promotions for seniors and families on standard promotional rates exclusive for September 28 to October 4, 2018 bookings only!

For as low as USD 686 per paying pax, Filipino travellers can choose to bring along senior members of the family, aged 50 and up, as 2nd guest per cabin to be able to avail of the promo “Seniors Cruise Free”. As another option for bigger families and same starting rate for paying pax, guests can avail of “3rd/4th Guest Free” which are applicable to guests of any age.

Make merry and memorable your family celebrations on the high seas, as there is no better time to treat yourself and the family with the ultimate gift of a magical Christmas and New Year’s festive cruises with SuperStar Virgo!

Booking for the promotion can be through any local travel agency or by visiting www.starcruises.com. For inquiries, call (02) 836 6080 for more information.

Koolfever Introduces Kristine Hermosa And Son Vin As Brand Ambassadors

Kristine Hermosa and son Vin are the newest ambassadors of KOOLFEVER’s best-selling fever relief pads. Following the launch of their commercial, the actress graced an exclusive event and talked about the challenges of caring for children when they are unwell. Speaking from personal experience, the young mom relayed how KOOLFEVER’s gentle cooling gel sheets help alleviate her worries by providing her kids, especially one-year-old Vin, with quick and effective relief from fevers.  

Celebrity mom Kristine Hermosa and son Vin for KOOLFEVER

“Vin can’t sleep when he has a fever. It’s hard to see him restless and uncomfortable, that’s why I’m grateful for KOOLFEVER. It’s easy to use and it helps bring down his temperature so he can feel better in no time,” Kristine says. “I’ve always trusted KOOLFEVER to help relieve my kids of their fever. It is a must have for me in my first aid kit.” 

There’s a KOOLFEVER for everyone. The best-selling fever relief pads from Japan come
in different variants, suitable for different ages.

Each KOOLFEVER pad has a soft, bouncy gel made of 80% moisture that absorbs and disperses heat from the body. It’s formulated to sustain the cooling effect for up to four hours, and its texture ensures it stays in place even if your baby moves around while he sleeps. It is an effective alternative to a sponge bath, which helps provide relief from fever discomfort. Moreover, the gel has no coloring or fragrance, so it’s guaranteed to be gentle on your baby’s sensitive skin.  

Made by Kobayashi Pharmaceutical in Japan, KOOLFEVER comes in four (4) variants: KOOLFEVER Baby, for infants up to 2 years old; KOOLFEVER Child, for those between two and 12 years old; KOOLFEVER Adult, and KOOLFEVER EXTRACOOL for adults. All variants are available in leading supermarkets and Mercury Drugstore outlets nationwide. 

Basta Fever, KOOLFEVER.

Durex Launches Campaign To Curb Rising HIV Cases In The Country

Globally, the incidence of new transmissions of the Human Immunodeficiency Virus (HIV) has slowed down. In the Philippines, however, official data from the Joint United Nations Programme on HIV/AIDS (UNAIDS) show that there has been a 174 percent increase in HIV cases since 2010.

“There is an urgent and pressing need to curb the infection. While the rest of the world has decreasing rates, we are going the opposite way. This is something that is very alarming,” said Karol Canlas, Brand Manager of Durex Philippines.

With its rising HIV numbers, the Philippines is of special interest to Durex. The world’s leading condom brand launched its Always Come Prepared campaign that amplifies the message of protecting one’s self from the threat of HIV and other sexually-transmitted diseases (STDs).

The campaign, which uses a quirky visual of a toy soldier using a condom as a parachute, wants to bring the conversation of the HIV threat into a more understandable level and easy to digest way for the general public, particularly the young adults.

The numbers tell a grim picture of the situation in the country—an estimated 12,000 new cases reported in 2017, with an estimated 61,000 to 76,000 Filipinos living with HIV.

“Contrary to the global rate of new HIV cases, which has been decreasing by 18 percent, the Philippines sings a different tune. There is a need to ring the alarm bells, to bring the conversation of HIV to more Filipinos in a more understandable way,” said Dr. Louie Ocampo, Country Director of UNAIDS in the Philippines.

The Always Come Prepared campaign will also banner the trio of Boys Night Out – Sam YG, Toni Tony, and Slick Rick as campaign advocates, HIV-testing advocacy group Love Yourself, and UNAIDS.

Despite the alarming numbers, condom use is still relatively low in the Philippines. Condoms are still the only known effective method of preventing the transmission of HIV and other STDs aside from abstaining.

Where Are You In Your Financial Journey?

Flexibility is great. Especially in money matters. You get to go your own way, pave your own path, and do what works for you (and shun what doesn’t!). But too much of a good thing could be bad. So in order to take full advantage of the gift of flexibility, you need a little structure and some timeline. Take the quiz below to know where you are financially, so you can plan, protect, and proceed with your best life ever! 

1.       Where are you now in your career?
a.       Starting out and getting experience/training
b.      Seeking promotion or changing jobs to enhance career
c.       Preparing for retirement

2.       How much are you making now?
a.       Your spending is still greater than your income
b.      You regularly receive pay rises and salary increases
c.       Your expenses have gone down and savings have started to build up.

3.       What are your biggest expenses?
a.       Mortgage, car loans, and credit card debt
b.      Utility expenses, children’s allowances, tuition fees
c.       Retirement fund, medical expenses, real property taxes

4.       What’s your current financial goal?
a.       Travel abroad and pay off credit card debt
b.      Save for children’s college education and buy your own home 
c.       Build your retirement fund and beat estate tax

5.       What does a financially secure future mean to you?
a.       Earn enough to do and buy what you want
b.      Live comfortably (whims included!) with your family amidst house repairs and tuition fees
c.       Have enough assets to live comfortably and still leave something to your heirs

6.       What are you doing to make that future happen?
a.       Saving up and developing new skills
b.      Investing and finding other streams of income
c.       Turning retirement savings and pensions into income

Mostly As: Family and career building years
You’re the cool yuppie dude or that shy girl three cubicles from the doorway. You’ve landed a good, stable career and now enjoying your life. You are either single but in a relationship or just about to start a family. Your income might not always be enough during this period, but these are mostly payment for mortgages, car loans, business loans, or credit cards. That’s alright as long as you pay your dues regularly, in full and on-time, so you’re loved ones won’t have to bear the brunt of it.
Best Advice: Spend within your means. Pay your debts on time, in full. Protect your family’s future as early as now.

Insurance plan for you: FWD Set for Tomorrow Short Term Cover, which can take care of your unpaid loans should anything happen to you.

Mostly Bs: Prime working years
You’re at the prime of your career. Your family is all settled and growing. You’re aiming for another promotion or change jobs for career growth and job opportunity. And you do all these so you can send your kids to the best colleges, provide a comfortable life for your family, and set up both an emergency fund and a retirement fund. While you’re always on the lookout for other streams of income, remember, you have to secure your own income, too. 
Best Advice: Don’t kill yourself working for your family’s future and then forget to spend time with your family now. There are ways to ensure the future without worrying today. 
Insurance plan for you: FWD Set for Tomorrow Income Protector, which protects your income during your prime working years so you can continue to support your family no matter what happens

Mostly Cs: Early retirement years
Finally, retirement! You’ve worked hard, you’ve raised your children well, and they’re now living their own lives. Now you get to enjoy the fruits of your labor. You now have the time to start an active lifestyle, travel more, volunteer, or do consultant work. Financially, you’re managing your retirement fund, preparing your will and low key checking out ways to beat estate tax.
Best Advice: The time is now to do whatever else you want to check off your bucket list.
Insurance plan for you: FWD Set for Tomorrow Estate Protector, which allows you to smoothly transfer your properties to your heirs, no headache.

Knowing how far you’ve come or how far you still need to go is a great way to put your financial goals into perspective. Because as you go through different stages in life, financial goals and needs change. Pan-Asian insurer FWD Life Insurance Philippines’ newest product, Set for Tomorrow, is there with you in every stage of your financial journey, whether you have loans to pay, kids to send to college, or properties to leave to your heirs. 

Want to know how to make your tomorrow better today? Get a quote using FWD’s Cali, http://bit.ly/SetforTomorrowCalculator or visit http://bit.ly/GetSetforTomorrow .