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Want to Learn Tagalog? – Here are Reasons to Hire Professional English to Tagalog Translator




Tagalog is one of the two official languages spoken in the Philippines, a country in Southeast Asia. English is the other official language and is spoken widely in the country. That is a fact that makes it somewhat easy to communicate in the Philippines. So if that’s the case, why bother learning Tagalog?

Well, aside from it being very interesting, Tagalog has a long history of the Philippines and the Filipino culture embedded in it and is also a symbol of pride. Learning Tagalog will help you extend the communication boundaries and unlock more opportunities with the Philippines and the Filipinos. If you want to work, live or study in the Philippines; have friends, relatives, or a spouse from the country, learning Tagalog will help you understand the culture allowing you to fit in better with its people. Apart from that, the Filipinos will appreciate the time taken to learn their language; that will come in handy building strong relationships based on trust and appreciation.

So, if you are wondering why you should take any interest in the English to Tagalog translation, there you have it. And this is just the tip of the iceberg. That said, learning Tagalog can be easy or difficult depending on how you approach it. Working with professionals is always so much easier than without them.

In this article, you will discover the 5-most Important reasons for hiring a professional translation service provider.

  • They Understand the Filipino Culture

The majority of people assume that learning a foreign language is all about translating words directly from one language to another. Well, this true up to some extent, but there is more to it. Different languages have different aspects of culture embedded in the meaning, and not all direct translations will have the same connotations. One word can have so many different meanings depending on the language. Some of it could be misleading; some of it could as well be offensive to the natives. The same case applies to Tagalog. Professional English to Tagalog translators understand the Filipino culture and will not mislead you in their translations.

  • To Ensure Consistency

The sole purpose of translations is to be fully understood as you communicate. That means that your English to Tagalog translation should be consistent with the original message. But that is not possible if the translation is not accurate. A professional translator knows what they are doing and will help you avoid any unnecessary misinterpretations.

  • They Understand the Special Terminologies

There is a big difference between translating regular communication and translating the specialized terminologies of a language. These terminologies are specific to a particular field or subject and are more complex translating unless you are an expert. Professional English to Tagalog services have people who specialize in different areas and help you with those terminologies on your legal contracts, technical manuals, and any other translation you may need.

  • They are future-Oriented

Another reason to hire professionals to help you with your English to Tagalog translations is that they are future-oriented. And how is that?

Once you hire their services, professional translators will create backup information of all the projects in their database. These can be recycled over and over again in the future when dealing with a similar situation. The best part about it is that most translators will offer this service for free, meaning you do not have to pay again to recycle the stored information. And that is not all. That will also help you to,

  • Save time
  • Save money
  • Save your energy

Anyone can benefit from hiring professional Tagalog translators. That includes

  • Anyone running an international or multinational company in the Philippines
  • A student taking Tagalog
  • Anyone learning Tagalog for fun or any other reason
  • To Ensure High-Quality Services

Hiring a professional for your translation needs costs money, but the outcome is always worth it. Indeed sometimes you might feel like you are paying too much money for the services, but that could not be further from the truth. And if you have any doubts about that, you wait until you hear what other people have to say about hiring incompetent Translators. You will still pay for their services, waste your time and not get what you were looking for in the first place. If you are in business, you will lose.

Professional translators are keen to deliver high-quality services, and hiring them is the only way to guarantee a positive outcome.


Whether you are a student, business person, tourist, or just visiting the Philippines, learning Tagalog will add some value to your life in more ways than one. And relying on professional translators is the perfect way to maximize your benefits.

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5 Tips to Finding Good Life Insurance as a Senior



There are a lot of perks to your golden years. You get discounts on meals and the best seats on the bus. But there are some difficult aspects, too, like getting life insurance.

For whatever reason, life insurance policies aren’t always a priority when we’re young. But now that you know the importance of protecting your assets and your loved ones when you’re not around, it’s difficult to get the job done. Some companies refuse to write insurance policies after a certain age or for people with common health conditions. 

Getting good life insurance when you’re a senior isn’t impossible, though. These five tips will help you know what to look for and find protection, no matter your age!

1. Work With a General Life Insurance Agent

You may not have thought about it before now, but insurance agents aren’t all the same. Yes, they have comparable training and have to pass a test for their license, but the rest depends on where they work.

In most states, agents must have a license to sell certain types of insurance. Beyond that, they have to be individually approved by the insurance company that they want to underwrite for.

Every insurance company has its own regulations for screening potential agents. Your agent can only write policies for the insurance companies from which he or she is approved. It makes sense, then, that you could get a better deal with a different person.

Consider your car insurance, for instance. If you wanted to buy insurance from a close friend who happens to be an agent, you would be stuck with the policies and premiums they can offer.

When you work with an agent who’s only able to write policies for one company, you’re less likely to get approval. Even if you do, you’re limited to their restrictions and rates.

A general life insurance agent can research dozens of potential companies and find your best fit.

2. Check the Company’s Rating

As with everything in today’s mostly digital world, you will want to research the company you’re interested in working with before you give them any information.

Even if you’ve “heard” of it in the past, check the ratings with places like Standard and Poor’s. Look at the financial strength ratings and any complaints that are listed.

Bad life insurance is worse than none. People who end up taking out contracts with financially insolvent companies pay their premiums. Then, they find out they can’t cash in on their policy when they need it.

If the company looking to underwrite you has a poor reputation and high rates, keep looking. It could be beneficial to put that money into a portfolio instead.

3. Look at Value, Not Premium

Monthly premiums will obviously make a difference in your final decision, but don’t let them be the only factor. Look at what the life insurance covers to determine the best value for your needs.

Life insurance coverage varies from the bare minimum to full coverage. As a senior, you’re probably only going to qualify for a whole-life policy, not a term policy, but that’s not a bad thing. Whole-life insurance builds cash value; term policies don’t.

Some companies offer flexible adjustments if your needs change. You can decrease the death benefit, reducing your premiums. If money is tight, you can skip your payments for short periods.

Other life insurance policies build cash value. That means if you need funds for an urgent situation, you can access that cash while you’re still alive. It comes out of your beneficiaries’ benefits unless you replace it.

These advantages make a slightly higher premium for more benefits a better value overall.

4. Focus on Seniors-Only Insurance

As a senior, you have unique needs that not all insurance companies cater to. 

Chances are, you don’t want or need term insurance anymore. That type of policy is okay if you just want your funeral costs covered or some debt handled, but term policies also have a maximum age at which you can buy one.

If you’re looking for the best coverage to protect your loved ones, a seniors-only policy is what you want.

Companies that write almost exclusively for seniors offer permanent insurance coverage. These policies never expire, and the premiums usually stay the same, regardless of changes in your health.

Some policies require a health exam before you can be approved. Others will grandfather you in without this requirement, but at a reduced rate for a certain period after the policy starts.

If your health is the reason you’ve been unable to get insurance in the past, guaranteed life insurance could be your answer. This is a good choice for people on a budget, too. The policy benefits are lower, but the peace of mind you get from knowing your loved ones are protected is priceless.

5. Watch Out for Policies That Feel Too Good to Be True 

With age comes the benefit of wisdom, so you are probably wary of scams, and rightly so. Insurance policies are an easy door for scammers who love to prey on senior citizens.

Even licensed agents might not be reputable. Don’t take anyone at surface level. Get recommendations from friends and family members who have worked with good agents. 

Every agent has an assigned license number. You can, and should, look up their ratings online. It’s not an invasion of their privacy — it’s protection for you and your loved ones!


As you enjoy the slow, relaxed pace of retirement, you have time to think about things like what you’re leaving behind. Your legacy begins while you’re still around, spreading your love and knowledge to those you care about.

You want your family to be able to grieve without financial concerns. With senior life insurance policies, you can focus on making every day count, knowing you handled the money issues for them.

Author Bio:

Leon Grundstein has more than 28 years of experience in real estate development, with over two decades of experience in the retirement industry. He founded Tacoma Point Ruston with a game-changing business model to promote a healthy and robust retirement lifestyle for older adults.

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Get Your Hands on the Best Professional Scrum Master™ Course Online!



Attend a 2-day Professional Scrum Master ™ certification course now and you can easily become an expert on the Scrum framework. Learn how the Scrum framework employs observation and experimentation, rather than detailed planning, to tackle the dynamics of a risky work environment.

What are the skills to become a Professional Scrum Master ™?

Our course covers everything that is expected from a Professional Scrum Master; be it planning product distribution, mastering the art of servant leadership, and understanding the intricacies of building the most amazing team.

The course modules and materials have been self-picked by Ken Schwaber, the co-founder of Scrum; so be sure to capture the blended learning experience of the flavor of the Scrum and Agile revolution that it offers.

The Professional Scrum Master™ certification is an honor that Scrum provides to all its users who have undergone an official training and passed a subsequent exam that showcases their mastery. KnowledgeHut is a Professional Training Network (PTN) member of Scrum.

A PSM knows how to cut their way through advanced leadership tactics, where you serve, not lead. A Professional Scrum Master is also a pro in dealing with real-world complexities of projects using his expertise.

Top features of the PSM™ course

  • Live virtual training by our guides for 2 days
  • Modules and materials approved by Scrum co-founder
  • Real-world project handling
  • Access to worksheets and exams (no additional fee)
  • Achieve 16 PDU and 16 SEU credits

Why should you get the Professional Scrum Master certification?

Agile is the iterative approach about 98% of the companies use for systematic project management and faster software development, out of which more than half use the Scrum framework (which is a subset of Agile).

This makes the roles of Agile and Scrum masters highly demanding, so much that the World Economic Forum states it as one of the top ten most promising roles when it comes to the market for product development. This course might be just what you need to monetize your Scrum skills in this ever-growing market demand.

Advantages of taking the PSM™ course

  • Credentials of 1000s of Agile and Scrum certified professionals
  • Learn from the best of the Scrum trainers from the organization itself
  • Continual support with worksheets, chapters, videos, interactive sessions
  • Real-world projects and hands-on workshops for exploration
  • Mentorship from qualified PSMs (personalized sessions), even 6 months post-training

Just 3 steps to PSM™ certification

  1. Register yourself through one of the PTN members of, and attend the 2-day long training
  2. Once the course ends, you will be provided with an exam link. Take the 1-hour exam where you need to score 85% at least.
  3. Download the PSM™ certificate, and voila! You are a Professional Scrum Master now.

Minimum eligibility criteria

Well, there’s none! Though a basic understanding of Scrum/Agile would be nice, it isn’t a mandate.

PSM™ course is perfect for-

  • Software developer/managers
  • Project Manager
  • Product owner
  • Scrum master/team member

Hurry! Register now and grab your chance to be the best Professional Scrum Master in the business.

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Impact of COVID-19 on Real Estate



The COVID-19 crisis substantially impacted the residential property market this spring.  Health issues and stay-at-home orders contributed to fewer buyers searching for houses and fewer sellers eager to record their own possessions or let strangers to enter their own houses during a pandemic. Regardless of the steep downturn during the first spring, house sales rebounded in the summertime. At precisely the exact same period, the health catastrophe created an economic toll on the kind of job losses and doubt. Fears in the 2007-09 housing catastrophe linger in the minds of many, as some homeowners have fought to make mortgage payments along with the unemployment rate stays at historical highs. Due to the outbreak, many families have been reconsidering their home requirements, as their houses are very substitutes for schools, offices, restaurants and recreation centers.

What Happened and Why?

Their lowest rates since the financial and housing crisis that started in 2007 (Figure 1), with lots of homeowners reluctant to sell in the aftermath of this pandemic. The amount of delisted houses increased over 25 percent from one year ago during early March to early April. New listings were down more than 40 percent in April compared with the identical period this past year. Due to a scarcity of brand new listings along with an already low stock, the source of housing fell to new highs. Inventory of homes for sale decreased 17 percent in April compared with the identical period this past year. Ordinarily, a sizable reduction in demand for new house sales would be accompanied by a fall in prices. On the other hand, the coronavirus chaos at the spring failed to lead to substantial price declines. The mixture of reduced supply and low mortgage rates permitted costs to stay stable during April and May. Residential property action is dependent mostly on local conditions, so although almost every significant metro region experienced a substantial decrease in real estate action during the spring, a few places which were hit harder from the pandemic saw particularly steep falls. New York City, by way of instance, had a 58% decrease in pending home sales in April compared with last year. Detroit, in which most property action has been believed nonessential through early May, found a 74% decrease in pending earnings. In contrast, U.S. metro regions confronted a 33% decrease typically. House (MSAs) confronted similarly big, but slightly more subdued, decreases compared with the slightly less intense compared with people in different MSAs nationwide. For more info, please visit

Demand Recovers, Supply Remains Low

Despite the large drops in home sales due to the pandemic, real estate activity began to regardless of the big drops in house sales as a result of pandemic, property action started to increase from the late spring, upcoming pre-pandemic amounts by summer time. Prospective buyers began to boost their home search and buy action by the end of May. Pending earnings in U.S. metro regions that have been down more than 30 percent in April, grew up nearly 30 percent by August over the year’s earnings during precisely the exact same period. Home supply didn’t recover at precisely the exact same pace. While medical concerns will continue to maintain sellers out of the current market, surveys indicate that the general financial instability and the inability to buy another home will also be keeping homeowners set up. District MSA earnings activity has recovered from its predecessors: From August earnings were above amounts from this past year in most of the most significant District MSAs. Home prices rose substantially in July and August, together with all the Memphis MSA seeing particularly large cost increase by August. Despite some progress in the market, heightened economic and unemployment uncertainty could continue to influence the home market through 2020 and beyond. During the 2007-09 financial catastrophe, foreclosures and much more lending practices locked many from home ownership for many years. There are indications of those long-term consequences.

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In order to process a loan or a credit card application, Credit Score and the Credit Report play a significant role. A lower Credit Score will adversely affect your chances of approval of your application. If you have a low credit score, then you want to raise the credit score so that you don’t have to face the rejection of your loan or credit card application. How can your credit score be repaired? What might be wrong if the score had been lowered? Does a Credit Repair company help you?


Credit repair is the procedure by means of a credit repair service that helps you in correcting or rectifying your credit score and credit history. 


An organization that helps consumers to manage and improve their wrong credit history is a credit repair agency. Consumers do not have the requisite expertise and time to improve and repair their bad Credit History These customers can be guided and helped to improve their credit history again by adopting a systematic and disciplined approach.

Before you trust them, it is advisable to check the authenticity and credentials of a credit repair company. There are many bogus and fraud companies in the market who cheat by making wrong commitments.


In your credit information report two kinds of problems could be causing errors:

  1. Incorrect information is captured in your credit report and credit history.
  2. Default on the repayment of loans and credit cards have an adverse impact on your credit health. The following could be the reasons for defaulting on repayment on your credit lines
  • Financial hardship.
  • Missed payments on credit cards due to relocating domestically/ or internationally.
  • Disputes with the lender regarding charges or annual fees.
  • Non-receipt of card statement leading to missed payments.
  • Disputes with the lender on account of fraud or identity theft.


Any factors that can lead to a bad score have to be reviewed on your credit report.

 Check all the open accounts: There are two cases in which an account can be stated ‘open’ without your knowledge.

  1. The lending institution may have missed communicating the closure of an account.
  2. The open account may not be yours.

In case there are any of the above errors found, dispute it with the credit rating agency.

Check the status of accounts: If some of your accounts have a “written-off” or “settled ” status, the lender will interpret it negatively. Check every loan account is reported correctly. Raise a dispute if you find any loan account is reported wrongly.

 Check the payment history of every action: Any other entry than ‘000’ or ‘XXX’ in the payment history of the Days Past Due section suggests that certain payments have been skipped and not paid on time. In addition, make sure you pay bills on time. This will help you increase your score a lot


Given the potential problems surrounding a credit report are discussed above, here are the steps that you should take.

  • Incorrect information: You may enter into a dispute on the credit agency’s website when you find the incorrect details. For CIBIL Transunion or any other Credit Bureau company, the steps given on this page can be followed. If the lenders confirm once again that the information is right in the report, the report will not be updated. In this situation, the lender must be approached and explained directly.
  • Defaulting Payments:
  1. Financial hardship: You should repay outstanding or overdue that have been missing because of real financial difficulty, work or job loss, or unexpected circumstances. In order for the lender not to take any legal action that should impede its credit record it is often advised to notify the lender of the financial situation.
  2. International/ or domestic relocation: When you intend to move it, it is as important to switch your loans and credit card accounts as to transfer your savings account. Make sure the lenders are aware of your relocation strategy. Otherwise, the payment of missed payments, service charges, and late payment penalties can eventually take place. This also causes your credit score to sink. The savings account must always be held active, after relocation, connected to your credit card or loan.
  3. Disputes with a lender about charges or annual fee: A credit card or a loan you will seek may be subject to varying charges. You have to pay some charges, fee and interest, issuance fees, annual fees, maintenance charges, part payment fees, and many more once or periodically. Raise a dispute with the lender for any discrepancy or wrong charges.
  4. You need to be informed that they are applicable and when they apply. It would affect your score if you didn’t pay attention when signing up and then challenge the charges.
  5. Non-receipt of the statement: You can not pay the due amount because the credit card statement has not been issued. However, you are obliged to pay the remaining balance regardless of receipt of the statement in the terms and conditions. Your reason for missing payments is not considered legitimate.

If the balance is not charged, you can incur a late payment charge and a service fee. Try to fix your problem faster so that your credit score is not impacted.

  1. Disputes with a lender on account of fraud: If you find out that the report mentions a fraudulent transaction, raise this to the lender in question. The lender takes care to make a final decision. Have these conflicts sorted out as easily as possible, so that your credit report does not leave a trail.


  • A credit repair agency cannot explicitly delete or edit the credit report information.
  • The online dispute resolution process is available free of cost on credit rating agency websites such as CIBIL Transunion, Equifax, Experian etc.
  • All changes to your credit report must be accepted by the Banks and Financial institutions.
  • The final credit report shall only be submitted to the customer to their email address or postal address even though you apply for a credit repair through a company. The report’s content is confidential and not communicated to anyone.
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“Financial companies develop and supplement the financial market of Ukraine,” says Irina Tsybulnik




financial market of Ukraine," says Irina Tsybulnik

Head of the department for the development of services and the payment system of the LeoGaming fintech company Irina Tsybulnik talks about the development of the non-bank financial services market and explains the rapid growth of popularity of payment terminals and “mobile” money.

Can you tell us about the market of non-bank financial institutions? What are the key characteristics of its development in recent years?

The majority of people are aware of the fact that the influence of non-bank financial institutions (hereinafter referred to as NBFIs) in the financial market of Ukraine has grown significantly in recent years. It happened both as a result of the natural development of the market in the current legislative environment, as well as because of changes in the structure of the financial system itself.

A few years ago, small banks left the market. The reason was simple: they could not withstand the crisis in the domestic economy. At the same time, their place was not taken by financial companies. They simply cannot do this, since banks and NBFIs are different entities of the financial industry, although they have similar properties in many aspects. However, keeping in mind the fact that regulatory pressure on banks was increasing, financial companies were able to occupy those niches, where banks could not operate any longer. NBFIs became transactional organizations for payment systems that include banks. For example, the LEO international payment system works using the same way.

As a result, the market was distorted, which was solved by the Split Law (No. 79-IX) that came into force in July 2020. Supervision of financial companies was transferred to the NBU, thus allowing creating the unified “rules of the game” for the main financial services provided by all participants. We are talking about money transfers, credit services, and currency exchange operations. Financial companies often create strong fintech brands, while banks actively work with them. The financial company develops a technical solution, while the bank provides financial infrastructure. Thus, a holistic ecosystem has been actively created in Ukraine in recent years. It is worth noting that non-bank financial institutions have a very stable position within this ecosystem.

What are the key segments where non-bank financial institutions can compete with banks?

Banks are not able to offer a wide range of financial services. These functions are most often performed by the NBFI. First of all, we are talking about insurance. If the bank decided to provide insurance services, it has to cooperate with an NBFI, while the bank works as an insurance intermediary.

Secondly, we are talking about lending. In this case, banks and NBFIs play on the same field but having different audiences. NBFIs work with the segment of customers who need credit services but have no chance to get a loan from a bank due to higher requirements for the creditworthiness of the borrower. These are low-income individuals, who use the services of credit financial companies or pawnshops. The interest rate on the loan there is higher because of the riskiness of the operation.

Thirdly, we are talking about currency exchange operations. As you know, it is much easier for a financial company with a currency license to open a currency exchange office than for a bank to open a new branch. It turns out that NBFIs have a wider audience, sometimes introducing innovative cases. For example, our LeoGaming Pay financial company has launched the first office for currency exchange operations in Ukraine with a software payment transactions recorder.

How the new law on financial monitoring affected the financial market and the clients of financial companies?

Law No. 361-IX improves the financial monitoring procedure and brings it in line with the financial monitoring standards established by international and European authorities.

First of all, it is worth noting that the law expands and tightens the requirements for the identification of people making money transfers. For example, these days one cannot top-up any service for the amount of more than 4999.99 UAH by using a payment terminal. To pay more than 5,000 UAH, you must enter your identification data. Previously, such a requirement also existed, but it was applied for amounts over 15,000 UAH. However, there are several exceptions:

* Payment of utilities, taxes, fines, and other budget payments (regardless of the amount)

* Repayment of loans of less than 30,000 UAH.

At the same time, the amount of a financial transaction subject to financial monitoring has been increased from 150,000 UAH to 400,000 UAH.

The new law introduces a risk-based approach to the implementation of financial monitoring, which means a deeper check of suspicious customers and a simplified one for reliable ones.

The law also introduces the long-awaited possibility of remote verification of the client without any need for their physical presence. These days, the entire process of verification of the client’s identification data can be carried out, for example, using the BankID system by NBU, or a qualified electronic signature.

Besides, new approaches to the responsibility of the subjects of the preliminary financial intelligence are worth your attention. The number of fines has significantly increased. Also, the amount of the fines for specific types of violations are clear now.

How is the market of payment terminals developing in the context of the growing popularity of non-cash payments?

It is worth noting that the market continues to grow. Only this fact alone eliminates any negative connotation from the question. The terminal business is inventing new niches and options for working in the realities of the growing cashless economy. But at the same time, it is worth remembering that the main audience of customers of payment terminals (and these are millions of Ukrainians) did not suddenly stop paying in cash because they had a PayPass card to pay for groceries in a supermarket. I want to highlight another important thing. The coronavirus has not killed the will of people to pay in terminals. Even in 2020, we saw stable growth in turnover. A wide array of marketing tools stimulated this demand. In general, the situation is the following: when people stay at home, they play games. But they are used to top up their accounts in the terminal located in the nearest grocery store. They do not want to enter all the card credentials in the browser.

If we talk about development, there are several amazing projects here. For example, the iBox terminal network was the first to install NFC readers on terminals. By using this advanced system, the client does not need to enter 16 digits of the bank card to top it up. They can just approach the card to the reader. In addition, Sistema terminals allow using the DIYA verification app to make payments of more than 4999 UAH.

Can terminals compete with online payments? If yes, in which segments?

They do not have to, because they develop in the same direction. One of the most popular services in payment terminals is the ability to top your bank card up. In fact, the terminal has become a mediator allowing people to move from cash to non-cash economy.

A payment terminal is one of the many popular payment methods for goods and services. Local companies worked, work, and will work with terminals because the business needs to have direct access to the customers.

What is the role of mobile money in the Ukrainian reality? Is it really popular among the people? When do they use it?

This is a convenient non-bank payment alternative. The “mobile money” payment method is the evolution of payments using SMS commands, which has existed in Ukraine for almost 20 years. Now the mobile balance payment buttons appear in the payment forms of websites and apps along with the bank card payment options.

In general, the prevalence of mobile money depends on the category. For example, in the field of online games, the share of payments with mobile money ranges from 5 to 30%, depending on the service. Operators are investing resources in the development of their “payment buttons”, thus exploring new niches. For example, LeoGaming together with the three operators launched parking payment via SMS commands in Kharkiv. During the first days, the demand exceeded all our expectations.

What are the most prospective areas for mobile money? Can you give us examples where mobile money will be useful to the average consumer?

The main advantage is the simplicity and clarity of this tool for its target audience, i.e., people aged from 35 to 55 years. They use the same way of payment for many years in a row. In addition, they are also active users of terminals. The payment takes place immediately, while the person just needs to confirm it with an SMS code. In addition, there is a large segment of people in Ukraine who do not have a bank card. For them, paying with mobile money is a good solution to substitute bank cards.

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