💳 ANG DAMI KONG CARDS - Reliving Memories Through My Collection
My Experience with GoTyme Bank - Convenience, Efficiency, and Security.

I recently decided to try out GoTyme Bank and was pleasantly surprised by how seamless the process was. After downloading the app on my phone, I signed up by scanning a valid government ID and taking a selfie. In just under five minutes, I had a fully functional account with a digital Visa Card. This swift process stood out to me because it eliminated the usual hassle of waiting days for approval and card issuance. The app interface was intuitive, guiding me effortlessly through each step, which made the entire experience stress-free.
The convenience didn't stop there. Eager to get my hands on a physical card, I visited the nearest GoTyme Bank kiosk. The process of printing my physical Visa Card was quick and straightforward. Within moments, I had a sleek, tangible card in my hand, ready for use. This immediate access to both digital and physical versions of my card demonstrated GoTyme Bank's commitment to providing an efficient and user-centric banking experience. The entire journey, from signing up to holding my card, took less than an hour, leaving me highly impressed.
🎥 WATCH THE VLOG:What is GoTyme Bank?
GoTyme Bank is a revolutionary digital banking platform designed to simplify and enhance the banking experience. By integrating modern technology with traditional banking services, GoTyme Bank offers a comprehensive solution for everyday banking needs. The platform is accessible via a user-friendly mobile app, which allows customers to manage their finances conveniently from their smartphones. This digital-first approach ensures that banking services are available at the fingertips of its users, anytime and anywhere.
Benefits and Features of GoTyme Bank
One of the standout benefits of GoTyme Bank is the speed and ease of account setup. New users can register and get their accounts activated in minutes, thanks to the streamlined app interface and automated verification process. The digital Visa Card is immediately available upon account creation, allowing for instant online transactions. For those who prefer a physical card, GoTyme Bank kiosks provide an efficient solution, enabling customers to print their cards quickly without the need for traditional bank branch visits. In addition, international withdrawal of your money - there will be no charge. I have also tried to transfer money from Gotyme to another bank, there is no service charge unlike other bank , it cost PHP15.
Enhanced Financial Management
GoTyme Bank offers a range of features designed to enhance financial management. The app provides real-time transaction notifications, detailed account statements, and budgeting tools to help users keep track of their spending. Additionally, GoTyme Bank's competitive interest rates and zero maintenance fees make it an attractive option for savers. There are no minimum balance requirements, which means that customers can maintain their accounts without worrying about hidden charges. These features collectively make GoTyme Bank a versatile and cost-effective choice for managing personal finances.
I really like it because I personally created a two-saving accounts under the same bank account number where I can save for something - like me my goal is to buy RADO WATCH and JEWELRY in the future; there is this type of feature that you can allocate a budget without temptation that you might withdraw it impulsively .
Robust Security and Customer Support
Security is a top priority for GoTyme Bank. The platform employs advanced security measures, including biometric authentication and encryption, to protect user data and transactions. Customers can also benefit from 24/7 customer support, ensuring that assistance is always available when needed. Whether it's resolving a query or providing guidance on using the app's features, GoTyme Bank's support team is dedicated to delivering a positive customer experience. GoTyme Bank is fully licensed and regulated by the Bangko Sentral ng Pilipinas. Deposits are insured by PDIC up to P500,000 per depositor. Overall, GoTyme Bank combines convenience, efficiency, and security to offer a modern banking solution that meets the needs of today's tech-savvy consumers.
🎥 SSS Salary Loan Approved + 🔉Unboxing My Bluetooth Audio Transmitter from Lazada.
Exciting News: SSS Salary Loan Approved!
In this vlog episode, I’m thrilled to share the great news about my SSS Salary Loan approval. Navigating through the reloan process can be daunting, but I’m here to break it down for you. From submitting the application to receiving the approval, I’ll walk you through each step and provide tips to make your own experience smoother. Whether you’re considering applying for the first time or looking to reloan, this segment will give you the insights you need to confidently manage your SSS Salary Loan.
Unboxing My Bluetooth Audio Transmitter from Lazada
The excitement doesn’t end there! In the second part of the vlog, I’ll be unboxing my latest tech purchase from Lazada: a Bluetooth Audio Transmitter. This nifty gadget promises to enhance my audio experience, and I can't wait to show you all the features. I decided to keep the editing minimal for this video, so you’ll get to see the entire unboxing process and my genuine reactions in real time. It’s a longer video than usual, but I believe you’ll appreciate the detailed look at how this device performs straight out of the box. Tune in for a mix of financial advice and tech excitement that’s sure
🎥 WATCH THE VLOG:Parents, Why It is Important To Save For Your Retirement?
Your Future Children are not Investments to Aim for ROI!
WATCH THE VIDEO:
🔴WEBCAST: Which Do You Prefer Freelancing or Working Full-Time?
Chapter:
- 0:00 Opening
- 4:50 Full-time Employment Versus Freelancing.
- 13:02 Guest Caller.
- 17:46 What is RAT RACE?
- 25:40 Luxury of Time in Freelancing Jobs VS Full-Time Job.
- 32:48 Luxury of Finance in Freelancing Jobs VS Full-Time Job.
- 41:17 Competition.
- 55:00 What are the Advantages of Full-time Employment.
- 1:00:00 Takeaways from this episode.
- 1:07:00 Office Politics.
🔴WEBCAST - TIPS on How to Stay Longer in a Company!
- 0:00 Opening.
- 3:20 Big Announcement.
- 10:00 Talking About Our Old Companies.
- 22:11 How to Stay Longer in a Company.
- 24:20 Separate Personal Life Over Professional Life.
- 39:00 Reading Comments.
WATCH THE WEBCAST:
💸 How I Budget My Monthly Income Over My Expenses.
- Mortgage: PHP 8,100 -This is my monthly mortgage payment for my home.
- Condo Dues: PHP 1,300 - Regular maintenance fees for the condo amenities and services.
- Water Bill: PHP 200 - My monthly water usage cost.
- Electric Bill: PHP 4,000 -The cost of electricity usage per month.
- Transportation: PHP 5,000 - Expenses for commuting and other transportation needs.
- Gym: PHP 2,000 - Monthly fee for my gym membership.
- Insurance: PHP 5,000- Health and life insurance premiums.
- Laundry: PHP 1,000 - Cost for laundry services.
- Grocery: PHP 4,000 - Monthly expenses for food and household supplies.
- Allowance: PHP 3,000 - Personal allowance for miscellaneous expenses.
- Netflix: PHP 550 - Subscription cost for Netflix.
- Internet: PHP 1,800 - Monthly internet service fee.
- Savings: PHP 4,000 - Amount set aside for savings each month.
Talking about money can be uncomfortable, but it’s a necessary conversation. I hope this blog inspires you to take a closer look at your own finances and to be more open about your journey. Remember, it’s not about how much you earn, but how you manage what you have. Let’s continue this conversation and support each other in our financial journeys.
Thank you for reading and for being part of this transparent and honest discussion about money. If you have any questions or want to share your own experiences, feel free to leave a comment below. Together, we can navigate the ups and downs of managing our finances in Manila.
🤑 Let Us Talk About The Much Awaited - 13th Month Pay!
PRESIDENTIAL DECREE NO. 851
By virtue of the powers vested in me by law, the following rules and regulations implementing Presidential Decree No. 851 are hereby issued for the guidance of all concerned.
WATCH THE VLOG BELOW:
Section 1. Payment of 13th-month Pay. - All employers covered by Presidential Decree No. 851, hereinafter referred to as the "Decree" , shall pay to all their employees receiving a basic salary of not more than P1,000 a month a thirteenth-month pay not later than December 24 of every year.
(a) "Thirteenth-month pay" shall mean one twelfth (1/12) of the basic salary of an employee within a calendar year;
(b) "Basic salary" shall include all remunerations or earnings paid by an employer to an employee for services rendered but may not include cost-of-living allowances granted pursuant to Presidential Decree No. 525 or Letter of Instructions No. 174, profit-sharing payments, and all allowances and monetary benefits which are not considered or integrated as part of the regular or basic salary of the employee at the time of the promulgation of the Decree on December 16, 1975.
(a) Distressed employers, such as (1) those which are currently incurring substantial losses or (2) in the case of non-profit institutions and organizations, where their income, whether from donations, contributions, grants and other earnings from any source, has consistently declined by more than forty (40%) percent of their normal income for the last two (2) years, subject to the provision of Section 7 of this issuance;
(b) The Government and any of its political subdivisions, including government-owned and controlled corporations, except those corporations operating essentially as private subsidiaries of the Government;
(c) Employers already paying their employees 13-month pay or more in a calendar year or its equivalent at the time of this issuance;
(d) Employers of household helpers and persons in the personal service of another in relation to such workers; and
(e) Employers of those who are paid on purely commission, boundary, or task basis, and those who are paid a fixed amount for performing a specific work, irrespective of the time consumed in the performance thereof, except where the workers are paid on piece-rate basis in which case the employer shall be covered by this issuance insofar as such workers are concerned.
As used herein, workers paid on piece-rate basis shall refer to those who are paid a standard amount for every piece or unit of work produced that is more or less regularly replicated, without regard to the time spent in producing the same.
The term "its equivalent" as used in paragraph c) hereof shall include Christmas bonus, mid-year bonus, profit-sharing payments and other cash bonuses amounting to not less than 1/12th of the basic salary but shall not include cash and stock dividends, cost of living allowances and all other allowances regularly enjoyed by the employee, as well as non-monetary benefits. Where an employer pays less than 1/12th of the employees basic salary, the employer shall pay the difference.
Sec. 4. Employees covered. - Except as provided in Section 3 of this issuance, all employees of covered employers shall be entitled to benefit provided under the Decree who are receiving not more than P1,000 a month, regardless of their position, designation or employment status, and irrespective of the method by which their wages are paid, provided that they have worked for at least one month during the calendar year.
Sec. 5. Option of covered employers. - A covered employer may pay one-half of the 13th-month pay required by the Decree before the opening of the regular school year and the other half on or before the 24th day of December of every year.
In any establishment where a union has been recognized or certified as the collective bargaining agent of the employees therein, the periodicity or frequency of payment of the 13th-month pay may be the subject of agreement.
Nothing herein shall prevent employers from giving the benefits provided in the Decree to their employees who are receiving more than One Thousand (P1,000) Pesos a month or benefits higher than those provided by the Decree.
Sec. 6. Special feature of benefit. - The benefits granted under this issuance shall not be credited as part of the regular wage of the employees for purposes of determining overtime and premium pay, fringe benefits, as well as premium contributions to the State Insurance Fund, social security, medicare and private welfare and retirement plans.
Sec. 7. Exemption of Distressed employers. - Distressed employers shall qualify for exemption from the requirement of the Decree upon prior authorization by the Secretary of Labor. Petitions for exemptions may be filed within the nearest regional office having jurisdiction over the employer not later than January 15, 1976. The regional offices shall transmit the petitions to the Secretary of Labor within 24 hours from receipt thereof.
Sec. 8. Report of compliance. - Every covered employer shall make a report of his compliance with the Decree to the nearest regional labor office not later than January 15 of each year.
The report shall conform substantially with the following form:chanroblesvirtuallawlibrary
REPORT ON COMPLIANCE WITH P.D. NO. 851
1. Name of establishment
2. Address
3. Principal product or business
4. Total employment
5. Total number of workers benefited
6. Amount granted per employee
7. Total amount of benefits granted
8. Name, position and tel. no. of person giving information
Sec. 9. Adjudication of claims. - Non-payment of the thirteenth-month pay provided by the Decree and these rules shall be treated as money claims cases and shall be processed in accordance with the Rules Implementing the Labor Code of the Philippines and the Rules of the National Labor Relations Commission.
Sec. 10. Prohibition against reduction or elimination of
benefits. - Nothing herein shall be construed to authorize any employer to eliminate, or diminish in any way, supplements, or other employee benefits or favorable practice being enjoyed by the employee at the time of promulgation of this issuance.
Sec. 11. Transitory Provision. - These rules and regulations shall take effect immediately and for purposes of the 13th-month pay for 1975, the same shall apply only to those who are employees as of December 16, 1975.
Manila, Philippines, 22 December 1975.

Will You Sacrifice Your Highest Paid Job to Fulfill Your Passion?

I just want to look back those moments that I started doing my “I Love Tansyong” blog. It was just a dream at first; creating a travel blog requires you to travel a lot and in line to this, it requires you as well to have enough budgets in sustaining such lifestyle. Indeed, it was a tough pronouncement to start this kind of dream to become reality. But the impetuous of doing it is extremely high that no one can hinds against it.
I was chasing pavements and looking for a higher pay job so that I can carry out my original dream – Travel. I ended up in a Call Centre Industry which is undeniably helped me a lot of pleasing my dream. But there is still a challenge behind, I thought that having a job that gives me an enough pay will also give me an easy way to travel. Highest pay job is accompanied by sacrificing your time – working eight hours a day, five days a week. Not to mentioned the time that was wasted due to congested traffic going to work and back home. It was nerve-racking yet you have to go with it since as you increase your salary, in proportion to that, your expenses also increases – eg. Utility bills, mortgage, insurance and etcetera.
But still even that fracas, I kept on holding my dreams. Until recently, I was involved into this new platform named “Youtube” wherein it’s an innovative way of sharing my content and at the same time earning penny from it. I started to incorporate Youtube videos into my blog which works perfectly to me. I started becoming more vibrant in the workplace because I have something to look forward once I got back home – writing my online content, editing videos and building my brand online.
Numerous dreamers say to get a genuine self fulfillment, “You have to give up your stable job and pursue your passion” which is partly correct as “You can’t worship two gods at the same time”. However it doesn’t apply to everyone, it may applicable to those who grew up in a well-off family wherein they still have someone whom can rescue them in times of need. But to those who are like me, it is totally not a coward approach of not letting go your stable job to continue your passion. Use your stable job to hunt your passion instead. Make it as an advantage. It (pursuing dream) might not happen abruptly but by using your rational side in doing this decision-making, obviously it works slowly but surely.
I can’t have my laptop, camera, and phone and internet connection without my job. Having those medium, I can now easily reach my dream of creating content from my travels.

Sacrificing your stable highest paid job to shadow your passion will give you actually a gunning definition of who you are. I knew a lot of creative people who are still working in a job that they’re not really passionate about because that’s what really the reality is .Other needs to send money to their family or what not. It is poignant but true, and I must admit that my fervour of becoming a traveler and content creator is not sufficient enough to pay my mortgage and bill. Yet my permanent job can pay my bill and above all, it can pay to keep going my passion.
As I always highlight – our decision must be in a realistic approach, sometimes our heart isn’t giving a rigid judgement and so taking risk is not that measurable enough to avoid any fortuitous events in the future which lead you to an extreme regret.
Travel Income from Google Adsense, Nuffnang, Bidvertiser, Yahoo Ads and Direct Ads.
A soldier will not go to a battlefield without an arm. Just like a backpacker, a rational backpacker won’t take risk without preparation. These preparations can be physical, psychological and financial. So, you really need to allocate a certain amount from your salary for your weekend getaways.
But what if, you experienced scarcity of resources due to your monthly bills (e.i electric, water, rental, foods, food for you dog, internet connection, etc) and you really want to travel. Don’t worry; we are in the same page. So let me share you some of my sidelines that will surely help you in fulfilling your dreams to travel.
I don’t just Travel instead I blogged every places I’ve been, every adventures I’ve experienced, every food I’ve tasted. “How you earned in blogging?” my friends always ask me that. I simply smiled to them without giving further explanation.
Truly, I love documenting every travel. So why not earning from it? In fact, I am just practical, Do what you love the most and earn from it.
Google Adsense.
You just need to sign up for an AdSense account. However, getting an approval in AdSense is like travelling in Sahara Desert (you know what I meant). But there are techniques and tricks to have a quick approval from AdSense team. Actually, I already had an AdSense account prior on doing a travel blog and I earned from it but unfortunately got suspended due to some policy violations. That’s how google AdSense strictly monitored your account especially if you become a highest paid blogger. Getting an approval before was very easy compared today.
What I did?
1. Create a GMAIL Account. Sign up a YouTube account and upload an original content video. Apply for partnership for AdSense and within 24hr you will get a notification for the approval.
2. After you get an approval using your YouTube, you can now access your AdSense account using your GMAIL.
3. Google required you to have more than 6 months old blog, active, informative, with at least 50 posts with average of 500 words every post. Actually, you can search some tricks but this is my own experience. Ignore all the requirements; all you need to do is create a dummy blog. Submit it to AdSense, of course AdSense will check your dummy blog and expectedly they will reject it because obviously you were not able to meet there requirements. But don’t worry here is the trick. Before AdSense can check your dummy blog, they will provide a JavaScript code that you will need to paste it on your dummy blog. That HTML/JavaScript code is very important. Keep it and copy it. Don’t worry the rejected dummy blog.
4. Start now your legit blog, I meant you official blog. This time, paste the HTML/JavaScript that you copied. Surprisingly, Google AdSense ADS will run in your official blog without waiting for 6 months and writing 50 posts. And you will start now earning.
5. Once your revenue reaches 10 dollars, Google AdSense will automatically verify your address that you used during the “sign up” by simply sending you a snail mail containing the PIN code. That pin code is required in verifying your address. You need to enter that PIN code right in your AdSense account, once verified, AdSense will not hold your payout anymore.
How I discovered these tips and tricks.
The “Youtube account thingy and applying as Partner” I learned it from other blog and it was very effective to have an AdSense account quickly.
Proudly, “The Dummy Blog Trick”, I discovered it on my own. I tried to meet there requirements, 6 months old blog and etc... I also buy a domain and submit it. Unfortunately, they rejected my Travel blog but when I tried to paste the HTML/Javascript that I used in the rejected Blog into my other blogs, surprisingly it runs. So therefore, it is possible for me to earn.
So since the ad is not working anymore in ilovetansyong.com. I tried to remove the domain and return to ilovetansyong.blogspot.com and luckily it’s working. Alas! I spent already for the domain however it’s not working for the ads.
Saturday, March 1, 2014, I received the letter from google to verify my address. I entered the Pin code into my AdSense account and I am now serving the ads.
I will make sure to follow the policies stated in the AdSense Agreement because getting an AdSense is not that easy. They are now strict because they maintain the safety of their advertisers. Moreover, I want to work with AdSense professionally without violating anymore just like what happened in my first account.
Nuffnang.com
Nuffnang.com is Asia-Pacific’s first and leading blog advertising community.Their online platform allows advertisers to serve graphic or video based advertisements onto more than 300,000 Malaysian blogs hosted on various platforms.
Nuffnang.com currently has offices in 4 countries, Singapore, Malaysia, Philippines and Australia.
In Philippines, Nuffnang office is located in Taguig City.
I’ve been with nuffnang for a long time. And I already earned from it as an extra income.
Yahoo Ads/Medianet.net
The Yahoo! Bing Network Contextual Ads program enables web publishers to easily and effectively earn advertising revenue. Publishers can now use the Media.net self-serve platform to create and customize ad units that display relevant text ads consisting of sponsored links and ad topics from the Yahoo! Bing Network.
Same as Google AdSense, You need also to get an approval of your Blog so that the ads will run. Just submit the link of your blog where the HTML/JavaScript code placed and the Yahoo Ads will check it.
http://contextualads.yahoo.net/about.php
Bidvertiser
BidVertiser is a cost-per-click bidding system that allows you to advertise ads on sites of your choice. Simply create your text ad or upload your banner, choose the categories to advertise on, select your keywords, set the maximum price-per-click you are willing to pay and your ads will instantly start appearing.
BPI More Fun Prepaid Cards, Designed for Travellers and Alike.
In fact, I already have one for only PHP250. I made the application online; I customized the Image and submit it. You will get a notification in your email that BPI received your application. Just wait for a couple of days and BPI will send you an email that your MORE FUN PREPAID CARD is ready for pick up on your preferred branches. The email also includes an attachment of a FORM that you need to fill out and bring during the pickup. Bring your ID and pick up your CARD.
Personally, don’t apply for BPI More Fun Prepaid Cards at the counter because you need to go back after seven days. Much better if you apply it online because you just wait for the email, once the email is received, surely the CARD is ready. Another advantage if you apply it online, you can easily choose and upload your preferred photo for the background right from your Facebook account and choose what to write on it. Another piece of advice, during pick up, you need to go to the branch that you chose during the online application.
Loading your More Fun VISA Prepaid made it even easier! Aside from going to the bank or going online, starting October 7, 2013, you can load More Fun VISA Prepaid Card at the Bills Payment Counter of SM Department Stores, SM Supermarkets, SM Hypermarket, and Savemore branches.
Prepaid loading will be accepted daily (including weekends and holidays) from 10am to 8pm and will be posted to your credit card account or prepaid card after 3 banking days. For loading your More Fun VISA Prepaid Card, indicate your 16 digit card number.
To ensure correct posting of your payments or prepaid card loading, please verify the details indicated in your receipt before leaving the payment counter. Note that only cash payments will be accepted.
Exclusive travel perks, design the card with your own photos.
Truly, this is beneficial for travelers’ especially online booking for flight, food tripping in a restaurant and any emergency during travel. Validity is good for one year.











On July 1, 2013, Jonathan Orbuda or simply Tansyong established "I ♥ TANSYONG ™" to "help gather Filipinos and Filipinos-at-heart readers/ travelers, thereby creating strong interest about Philippines and beyond ,” he said. “I ♥ TANSYONG ™ ” described as Online Coffee Book of his travels, adventures and happenings . Going online was an easy decision to make.
On August 2016 , he started to set up "I ♥ TANSYONG™ TV" - Youtube Channel . He keeps uploading Random Vlog episodes on it as he said " Life is worth celebrating for".