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Games worth playing now

If you have ever considered getting into games, 2017 is an excellent year to start. Regardless of how much time and money you want to personally spend, there will always be something for everyone that would make players go, “Oh wow, I can’t believe it’s 4am.” This list features the best games you can play depending on what your priorities are.

5. EverWing

Platform: Android/iOS Who it is for: Those who want a decent time killer without too much commitment Who it is not for: Those who hate getting game invites on Facebook What you’ll need: A decent mid-range smartphone, an internet connection

Regardless of how you feel about Facebook games, EverWing has a lot to offer people who just want to have fun. The graphics and art style are impressive for a game that requires relatively low storage memory. The upgrades players can earn are satisfying to use and can make players extremely powerful. Lastly, you get to compete with your Facebook friends through the leaderboards.

4. Clash of Clans

Platform: Android/iOS Who it is for: Players who like building towards a goal through patient resource management, strategy, and cooperation with other people; Who it is not for: Pacifists What you’ll need: A decent mid-range smartphone, an internet connection; patience

Vigilantly upgrading city defenses, looting and pillaging other cities with surgical precision, and joining your friends in all-out wars are the perfect gameplay dynamics for people looking to feel like kings and queens without investing too much time and money into the experience–if they do not want to.

3. The Witcher 3

Platform: PlayStation 4, Xbox One, Windows Who it is for: Players who want to immerse themselves in one of the best fantasy-adventure stories ever told Who it is not for: Those who do not like fantasy, RPGs, or long cinematic cutscenes What you’ll need: A PlayStation 4, an Xbox One, or at least a modern budget gaming PC

This offers players one of the most compelling action-adventure, role-playing games of this generation. The Witcher 3 is the best modern example of the ideal single-player experience–movie-like storytelling, gameplay that can be as easy or as hard as you want it to be, and playing the game almost exactly the way you would play it if you were in the protagonist’s shoes.

2. Overwatch

Platform: PlayStation 4, Xbox One, Windows Who it is for: People who like shooting games Who it is not for: Those looking for a single-player experience What you’ll need: a PlayStation 4, an Xbox One, at least a modern budget gaming PC, and a decent internet connection

This is an exclusively multiplayer game, and you do need to pay to play it. It can be summarized into one word: fun. May it be darting around the map as the speedy Tracer or killing everyone while just sitting still as the walking gun-turret Bastion, many players have fallen in love with just how easy it is to just start playing and enjoying the whole experience.

1. League of Legends / Dota 2

Platform: Windows Who it is for: People who want to have casual fun, players who love winning Who it is not for: Those who are easily affected by negative comments What you’ll need: Thick skin, a reliable internet connection, a budget gaming PC

For years now, League of Legends and Dota 2 remain the top games played in the Philippines and it is really easy to see why. The game is very accessible in terms of hardware specifications. If you do not have your own computer, all computer cafes in the country support both games. What is so addicting about LoL or Dota 2 is the rewarding feeling of satisfaction of outmaneuvering your opponents into getting either kills and/or wins. Every move has a purpose and the gaming scene here can get intense. Thankfully, the developers of the game know this so newer players can mute report rude and toxic players for their behavior to get them banned from the game.

Ready to start playing? You can purchase your gaming credits here.

Load Php 100, Get Php 100!

Did you miss our load promo last month? No worries - it's back!

Buy at least Php 100 worth of prepaid load using Coins.ph and you'll get a Php 100 cashback. You don’t have to worry about running out of prepaid load ever again!

Reminders to get the rebate:

The promo is open to Coins.ph users who buy prepaid load for the first time ever using Coins.ph

Your first successful buy load transaction should be at least Php 100 to get the rebate of Php 100

Your Coins.ph account must be ID and Selfie Verified before availing the promo

Promo period is from July 4 - 31, 2017.

You may avail the promo only once

In cases of multiple load transactions during the promo period, promo will be applied to the first load that is processed

Rebate will be credited to the customer’s Peso wallet after the load transaction has been successfully processed.

Maximum of one Coins.ph account per individual.

Unsuccessful load transactions that cannot be processed will have the payment amount refunded to your Peso wallet

Rebate can be combined with other rebates of Coins.ph

Per DTI - FTEB Permit No. 10299 Series of 2017

How to win video games in meatspace and in cyberspace

If you love video games and spend hours on end sharpening your blade in that RPG you’ve recently picked up, you know that it feels like there’s nothing you can do when keep losing your matches. What you don’t realize is that more than your knowledge of the game inside and out, what's outside the game may be just important. Here are some things you should consider if you want to get into the zone and finally clear that one level.

Have the right equipment.

If you already have a setup at home or you sport that cool MSI gaming laptop, then you’re pretty much set, right? That’s what most people think. But there’s nothing more tilting than going to multiple computer shops to play with your friends and not have the same mouse and keyboard from home and vice versa. It’s a terrible feeling when the mouse doesn’t weigh as much you usually feel it is. Now all of a sudden you’re having an off game because you have to spend time trying to come up with the best mouse sensitivity settings. A possible solution? Find the perfect spot or PC number in your favorite computer shop and hog it or you could go get yourself some new gear.

Get in “shape”.

Wait, how is gaming a health hazard? You are probably flabbergasted by the idea that somehow you’re going get injuries if you play for long hours every day but it’s a possibility. Several pro players in e-sports have experienced injuries like Carpal Tunnel Syndrome, which forced them to retire. Remember Toyz from Taipei Assassins at the Season 2 World Champions in League of Legends? You don’t want that to happen to you.

Take extra care of your health and when you notice wrist pains and numbness, have yourself checked right away. There are players in streams in Twitch.tv who wear proper gear to make their gaming space ergonomic. Follow their example and invest in a gaming chair or check out hand and wrist braces.

Once you have these things down pat, it’s time to enjoy your games. Did you know that you can easily get game credits through Coins.ph? Here’s how.

Ways to be productive even if you’re stuck in traffic

There you are sitting inside the car, watching your life go by. Sound familiar? It’s how most of us spend our days commuting in the city. We sit in traffic for hours even if our destination is only a few kilometers away. You can walk, but it’s torture to do so in the middle of the scorching hot afternoon or during a torrential downpour. Instead of letting precious time go to waste, use it to get things done. Here are our suggestions on how you can do just that.

Schedule your day.

You’ll be more productive throughout your day if you know how it’s going to look like. List all your activities and how much time you’ll allot to each so by the time you get to the office, you know what to get started on.

Read.

You can do this for leisure or you can also leaf through your schoolbook and get some research done. You may also want to read those motivational or self-help e-books on your phone or e-reader.

Watch a Ted Talk.

You’ve bookmarked several Ted Talks on your mobile phone, but you haven’t gotten around to watching them. Now’s the time to do that. Just make sure you have your earphones on.

Clean up your bag.

Your bag is the repository of all things you deem essential, but it ends up containing a lot of knick-knacks you can do away with like old receipts and scratch papers. Why not clean it up during your idle time? It will save your back or shoulders from carrying something so heavy and it’ll make it easier for you to find your stuff. No need to fumble for your keys anymore! A caveat: This is best done if you’re a passenger in a private car so you won’t have to worry in case you left something.

Update your phone contacts.

Delete those double entries in your phonebook and check who has already changed his phone number.

Pay your bills.

Chances are you’ll be on your phone while you’re waiting around in traffic so why not pay your bills instead? You’ll save yourself time from queuing at payment centers if you make fees remotely. You can do this through our app. Here’s how.

The kuripot’s guide to stretching his budget

It’s nice to feel rich and powerful every 15th and 30th of the month. But days later, you have no choice but eat tinapay and whatever sachet of palaman you find. It’s not the best living situation, but you don’t really think about that when you’re on your payday high, right? Here are some of the things to help you take charge of your budget like a kuripot.

Pay your bills first.

Bills are non-negotiables, remember that. Have your billing statements ready and totaled and automatically deducted from your income. The longer bills are left unpaid, the harder it’ll be to pay them. After deducting the total dues to be paid, close your eyes, pat your back and adjust all your wants, needs, and savings according to what’s left of your salary. Reminder, ‘wants’ should be down the priority list.

Shop four times a year max.

Sure there’s always something new at the mall every weekend when you drop by, but do you really need a new bag? Or that cute shirt? Look out for the mall’s end-of-season sales. You might have to line up outside the mall before opening hours and shove some people out of the way to get to the good stuff, but the 50% to 70% off deals are worth it.

Go prepaid.

Of course you’ve been with your service provider for years, you’ve been offered new phones and upgrades, but when your contract ends, do you really need all the credits? With the availability of instant messaging apps, you can easily just buy load through Coins.ph and subscribe to a monthly data promo. Use Messenger, Viber, Line, or Skype. Here’s how.

Carpool or use public transportation.

Save cash by choosing pool or share options on your raid-hailing apps. It’s a wee bit inconvenient if you’re already running late for work, so you might want to wake up and prepare earlier for work, but imagine the cash you’ll be saving by sharing a ride with a stranger instead of booking a car alone.

Have another source of income.

There’s really no better way to increase your budget and savings than having another source of income. Teach English online through an app and get paid by the minute, transcribe audio files, summarize long reports. You can use Coins.ph’s payment request to collect money from your part-time and online jobs or even from friends who owe you cash. Learn more here.

Foreign media TechCrunch features Coins.ph

Earlier this week, TechCrunch came out with a story on fintech startups in emerging markets. The article focused on platforms with innovative ways to reach out to the said demographic. Coins.ph was featured as one of the startups that do just that along with other international startups GMobi, Oxymoney, and dLocal.

In the article, TechCrunch highlighted our international remittance services saying that “we assist in sending remittances more cheaply, efficiently, and quickly than conventional channels like money transfer operators.” Coins.ph head of business operations Justin Leow also explained how we make financial services more inclusive.

Here’s an excerpt of the story:

Banks often require high minimum balances, which is why fewer than one-third of Filipinos have accounts. There are more Facebook users in the country than bank account holders. “So there’s a huge segment of the population banks aren’t able to tap, but we think that we can because of the model we’ve taken.” Leow said.

Read the full story here.

Simple ways to maximize the three-day break

Three days sounds like it’s a long time and such a short period, too. On one hand, it feels like you can do so much on those 72 hours, but then again before you know it, you have to go back to school or work the next day. Is it possible to accomplish a lot and get enough rest within that time frame? Turns out it is.

1. Do a variety of things

The key to feeling like you’ve done a lot over the weekend is to segment your days. We’re not talking about a rigid schedule—just a flexible plan on how you want your weekend to go about. For example, you’ll wake up early on Saturday to work out and catch up with friends. Then sleep in and binge-watch your favorite series on Sunday. Come Monday, you’ll do your chores and just rest afterwards.

2. Learn a new skill

What? Three days to learn a new skill? Yes, it’s possible. Understandably, this skill is not something as complicated as coding, which can take a while to master. Think calligraphy, watercolor painting, or even driving if you still don’t know how. And if you don’t finish, at least you got started.

3. Travel

The word travel conjures images of far-flung areas and exotic locales, but really, you don’t have to go far to give in to your wanderlust. A quick jaunt to Tagaytay for brunch or to Antipolo for some arts and culture will do. You may also opt to jump on a bus and hit the beach for a day. Make your life even easier by booking that bus trip online here.

4. Forget the chores

…Or just set them aside for one day. This goes back to number 1. Give time for yourself to unwind. Surely, you can squeeze in a quick respite even just for 24 hours.

5. Find time to sort out and pay your bills

On your “chores day”, go over your bills and pay them. It’s not the most fun thing to tackle, but you do have to get them done anyway. Do it now by simply using your phone. Want to know how? Click here.

6. Psyche yourself up for the coming week

Long weekends do end, but you don’t have to feel sad about it. Instead of moping around and wishing for the weekend to come by sooner, remember the things you look forward to with school and work.

Available cash-in and cash-out options on Eid al-Fitr

Cell phones then and now

Remember the time when cell phones were only used to make calls and send out texts? There was no camera, no Spotify, and definitely no Facebook on those crude gadgets. Fast forward to today and cell phones can pretty much function as a laptop and so much more. Since it’s Thursday, we thought we’d give you a dose of nostalgia. Let’s see how our cell phones have changed through time.

Then: Snake

Now: Everwing

Ah, Snake, the game to beat all games. You can play this for hours on end. The goal was simple: to make the “snake” get longer. New versions of this game rolled out, but we still remember the black line on our analog phones. Now, Everwing keeps us busy to the point that we lose sleep.

Then: Chain texts

Now: Chain letters on Facebook

Before those chain letters on Facebook, there were chain text messages which prod you to send the message to X number of people so you won’t die. Yep, we fell for those, too.

Then: Battery for four days

Now: Whips out powerbank

There was a time in our lives when we could go for days without charging our phone. The battery life was that long partly because you only make calls and send out texts. Now, with all the functions your smartphone performs, it’s understandable why it needs to be charged by the end of the day or why you have to lug around a powerbank.

Then: BBM

Now: Viber, Telegram, iMessage and many more

This one’s a bit recent, but before mainstream smartphones proliferated in the market, Blackberry ruled the mobile world. Yuppies then had an essential messaging tool by way of the BBM. These days, you can choose from a variety of messaging apps.

Then: Cell phone “skins” and acetate on the LCD screen

Now: Cell phone cases

Because almost everyone else had the same phone, we turned to crafty ways to personalize our gadget. Enter cell phone skins or stickers you attach to the case. There were also acetates with cartoon-character prints that you attach on your LCD screens. This generation’s version of that are those funky phone cases you can find from Greenhills and malls.

We do miss our old phones, but for sure, we can’t live without our smartphones now. How else can we kill time without doing selfies and checking Facebook? But more important, how can we make our lives easier without our smartphones? It’s more efficient to pay bills and send and receive money through our mobile phones. Want to know how you can do more? Download the Coins.ph app to try it now.

Bitcoin basics

You've heard about it, and you're probably thinking about getting in on the action, too. But you don't have the slightest idea what a Bitcoin is. To help you get started, we've rounded up three things you need to learn about the digital currency:

Here’s how much Filipino gamers make from e-sports

If you’re a gamer, you’d probably recognize the name Djardel Jicko ‘DJ’ Mampusti. The 23-year-old athlete has been making waves in the e-sports community as a professional Dota gamer. DJ started playing Dota when he was in high school, and he hasn’t stopped since. Now, he is the Philippines’ highest paid player of the popular online game.

How much exactly does he earn? Well, he raked in $477,521.51 or roughly P24 million from 34 tournaments. That’s enough to buy a decent condo, several cars, and the latest gadgets out in the market. You get the picture.

Next to DJ is 21-year-old Carlo ‘KuKU’ Palad who made $309,355.97 or around P15.5 million from 18 tournaments. It’s P8.5 million shy of DJ’s earnings, but that’s still a whole lot of zeroes, if you ask us. Following him closely is another 23-year-old by the name of Sam Enojosa ‘sam_H’ Hidalgo with $296,922.98 or about P14.9 million from 12 tournaments.

If you combine these three athletes’ earnings, that’s almost P55 million, and it’s still growing. There really is money to be made now in e-sports with tournaments like Manila Masters and The International where the prize pool can go up to millions of dollars. It’s a viable career option if you’ve got lightning-quick reflexes and a real knack for online games.

Interested to follow their footsteps? You’re probably going to have to play a lot of Dota first. Upgrade your gaming experience by purchasing game credits through Coins.ph. Click here to learn more.

Five money habits you should learn in your 20s

Do you know how much you spend for prepaid load every month? Are you aware of the percentage of your salary that goes into your Uber and Grab fares alone? If your answer is no, then you’re part of the majority of Filipinos who do not take note of their expenses.

You might be thinking that you don’t need to know those now. But trust us, when you’re 40, you’ll be wishing you exercised a bit of prudence on your finances.

Don’t feel bad just yet. It’s not too late to learn a thing or two about financial responsibility. Read our tips on handling your personal finances.

1. Have a budget.

Sounds simple, but it can get tedious. Determine how much you’re making and know where your money goes. List your expenses on a notebook or just type away on your phone. Try this for a week to observe your spending habits. There are also apps you can download for this. Once you form a clearer picture of how much you earn versus how much you spend, you can now formulate a reasonable budget for your basic expenses.

2. Live within your means.

After you formulate your budget, it’s time to stick to it. This is the tricky part. You might have to skip your daily designer coffee or your weekly gimmicks. It pays to not blow off a month’s worth of pay on those trendy outfits just because you want them now. After all, this will turn into a good habit.

3. Start investing.

You can do this when you’re ready. Investing sounds like such a grown-up word, but if you know how to do it, it won’t be daunting. Whether it’s through insurance, stocks, or bonds, you can put your money in the market and let it start earning. You can start with a small amount, just as much as you would spend for a new pair of sneakers, maybe even less.

4. Be informed.

If you were asked to explain the difference between compound interest and inflation, would you be able to? What about diversification of risks and stocks? Yes, for the non-math enthusiast, those terms are a mouthful. In fact, most Filipinos do not have a clue what those mean. In a World Bank study, FIlipinos only got a grade of 45% on a financial literacy quiz. But simply reading articles from reputable financial gurus like Randell Tiongson and Edric Mendoza can help you learn more. And who knows? You’ll be able to explain those financial terms in no time.

5. Pay on time.

Pay bills promptly because if you don’t, charges pile up. Whether these are for your credit card, Meralco (electric), or cell phone, there’s no excuse to miss payments because there are ways around it. Have no time to queue at the bank? Use technology to your advantage by just going online. Coins.ph has a feature that allows you to make fees through your smartphone. You don’t even have to physically go to the bank or to the bayad center. You’ll even get a nifty reminder when it’s time to make your payments.

Want to know more? Visit Coins.ph to find out how you can pay bills remotely. Click here to learn more

Five text messages from dad we can all relate to

Your phone buzzes and then you look up and see ‘Dad’. You know what this SMS means. It’s a reminder for you not to stay out too late or to stay safe on your commute. Sometimes, you even get the odd text like, “Ma, I’ll be late,” which, of course, is originally intended for your mom. Whether it’s a funny wrong send or an important reminder, when it’s dad who texts, you pay attention. You don’t ever want to miss an important message from your old man. This Father’s Day, we round up several adorable and sometimes terrifying text messages that pop usually sends.

1. “Wer n u?” or “San k na”

To which you reply, “Lapit na po,” even if you’re at least 30 minutes away from home. This isn’t the text you want to see when you’re stuck in traffic after an unplanned gimmick and you’re about to miss your curfew. It seems like dad has the most impeccable timing when sending this SMS. Then again, he’s really just concerned about your whereabouts and would love for you to be home.

2. “K”

This is not entirely exclusive to dad. Mom usually sends this, too. But you understand that this single-letter reply—in all caps no less—means simply that: It’s fine. It’s not being stern, but it probably means that dad is too busy to type a long reply or give you a call. This is contrary to mom’s version of this brief text message, which can mean a number of things ranging from I-don’t-get-what-she-means to I’m-going-to-scold-you-later. In dad’s world, “K” just means okay.

3. “Sino kasama mo?”

Such a short question, but this is another SMS that can scare you especially if you’re with someone whom dad doesn’t approve. Sometimes after contemplating for a few minutes, you send a list of names that dad recognizes even if they’re not really with you. Do him a favor and just tell the truth, will you?

4. “Anong oras kita susunduin?”

Dad is probably the only one willing to brave the horrendous traffic just to pick you up. You can count on him to fetch you from school or rescue you from an awful party even if it means he will miss catching his basketball game on TV.

5. “Tanong mo sa mama mo”

This is when dad plays safe. You’re most likely asking permission to go somewhere or do something that he’s unsure if mom will like. This can also mean he doesn’t want to play the bad cop and he wants mom to be the one to say no to you. Well played, dad. Well played.

The next time dad sends a text, know that he only means well, and he hopes you text back. Never run out of load to reply to your dad with Coins.ph! Learn more here: https://coins.ph/buy-load.

How do I increase my cash-in and cash-out limits?

You’ve probably noticed the different verification levels in Coins.ph and wondered “What’s that all about?” It’s actually very simple - increasing your verification level provides you with higher cash in and cash out limits, and helps us keep our customers safe by getting a better understanding of how they’re using Coins.

This process of identity verification is called Know Your Customer (KYC), and is the industry-wide standard used when someone processes a financial transaction. We know that you have different needs, so we created 3 different levels of verification to provide the right fit for everyone!

When you sign up for a Coins account you’ll automatically start at Level 1. On this level, you can cash in up to PHP 2,000 each day. You can also access some of our basic services such as buying load and paying bills.

If you need to cash in higher amounts, activate your Virtual Visa Card, or have the ability to cash out your funds, you’ll need to increase your verification to Level 2. On Level 2, your daily cash-in and cash-out limits is Php 50,000.

To get on Level 2, you need to submit a photo of your ID and take a selfie. Here’s a video of Pem to guide you through the process:

Click here for the list of IDs we accept for ID verification

If you need even higher limits, simply provide a proof of your address and we’ll help you increase your verification to Level 3. On Level 3, your daily cash-in and cash-out limits will increase to Php 400,000.

Click here for a list of documents we accept for address verification

Holiday Schedule for Independence Day 2017

BANKS will be closed. Cash-outs processed through bank outlets will be delivered on the next business day (Tuesday, June 13).

You may CASH OUT through the following options:

24/7 eGiveCash* to pick up cash from any Security Bank ATM (learn more)

Cash pick-up at these open remittance centers**:

Cebuana Lhuillier

M Lhuillier Kwarta Padala

Palawan Express Pera Padala

LBC Peso Padala

To CASH IN we recommend using

7-Eleven Cliqq to load your wallet instantly (learn more)

Cebuana Lhuillier to cash in to your wallet instantly (learn more)

SUPPORT SCHEDULE is from 10 AM to 6 PM

Email us at [email protected] for questions/concerns

*Please note that this cash out service is facilitated by a third party (Security Bank). Coins.ph is a separate, independent company from Security Bank. In case of ATM errors or any issues with disbursement, we are dependent on Security Bank’s approval before issuing any refunds. **Please check with your local remittance center branch if they’ll be open.

Download the Coins.ph app for free:

#Holiday Schedule #coinsph #independence day

How to apply for Meralco Kuryente Load (prepaid electricity)

Is your electricity bill taking a toll on your budget? Here’s a solution from Meralco: Kuryente Load

What is Kuryente Load?

Kuryente Load is Meralco’s prepaid electricity service that let’s you take better control of your electricity consumption. According to Meralco, it lets you save up to 20% from your electricity consumption!

Sounds interesting! How do I apply?

I already have Kuryente Load. How can I reload?

Load your Meralco Kuryente Load anytime, anywhere with Coins.ph. Click here for a step-by-step guide

Never go beyond your budget with Coins.ph and Meralco Kuryente Load!

Download the Coins.ph app for free:

Learn how to load Meralco Kuryente Load using Coins.ph

Whether you're relaxing at home, on the way to the office, or taking your lunch break, you can now load your Meralco Kuryente Load account with just a few taps on your phone!

Read on for step-by-step guides on how to load Meralco Kuryente Load through the Coins.ph webiste or through our Android and iOS apps:

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