7 Home Keeping Mistakes You Didn’t Know Are Endangering Your Family And Your Home


Shiny clean floors and all things kept in place is what people want in their homes. Aside from having a clean house, people also want to keep everything in place and running.

However, there are instances when people aren’t aware that what they’re doing for their home actually causes more harm than good. Here are some examples of home keeping habits that are actually bad for your home.

  1. Cleaning with vinegar

Not all materials are conducive to vinegar. It can be very damaging to materials like marble or tiles. According to Good Housekeeping, vinegar is great to have in the cleaning arsenal because it can lift a lot of stains, but it is not advisable to use on all surfaces and egg stains.

  1. Getting wooden floor boards wet

Getting wooden floors wet is not a very good idea. Although there are wood cleaning products that need to be diluted in water, the floors are not supposed to get soaked. It may cause the wood to deteriorate.

  1. Putting heavy objects in high places

Some households have the bad habit of putting a lot of objects they keep for seasonal or occasional use, such as Christmas trees, at the top shelves. Top shelves that are hard to use are one of the designated places to keep these stocked objects. However, this can be very dangerous in case of earthquakes.

  1. Putting your gas too near your burner or other flammables

This is actually a common malpractice, especially to quaint homes. In order to save space or for convenience purposes, households almost always put their gas right next to their stoves. For starters, gas shouldn’t be placed out in the open because it will be too susceptible to flammable substances.

  1. Neglecting the unreachable places

Some households just put off cleaning parts of the house that are just hard to reach. However, the dirt build up can become a breeding ground for harmful bacteria. There are usually specialized cleaning tools and products for areas that are out of reach.

  1. Using too much cleaning products

Even in cleansers, quality over quantity still does the trick. Instead of pouring so much cleanser, hoping for better results, still to quality ones. You will save more money this way and avoid the risk of damaging your things because of poor quality cleaners.

  1. Trying to DIY complicated repairs

There are just some repairs you need to leave to the professionals. While changing lightbulbs or repainting walls are tasks you can do, don’t risk doing the harder jobs yourself. If you attempt to do complicated home repairs on your own, you will not only risk damaging your home, but you will also risk your safety, as well.

Housekeeping can be difficult, but it needs to be done in order to have nice clean and organized home. Home is where you dwell with your loved ones. Everyone wants to keep their homes clean and safe.

Make sure your home is protected and that if anything does happen, you are prepared, especially financially, to save your home.

MAPFRE INSULAR offers a variety of comprehensive house insurance through their Home First Service. From financial aid to legal assistance, they have you covered. For more information, visit www.mapfre.com.ph.

Posted in Bring it on PROTECTION, Home

7 Car Maintenance Apps That Will Help You Take Care Of Your Car


People can get busy at times and forget some important things they need to do. The same is true when it comes to keeping their cars in tiptop shape. Besides, for some, it’s also a bit tedious to have to write down when you need to get your car’s oil changed or when to get a tune up over and over again.

This is where car maintenance apps come in. Car maintenance apps can help you keep track of your maintenance schedule and at the same time give you updates on the state of your car.

There are many car maintenance apps you can download, but here are seven examples.

  1. Drivvo

This app can monitor your mileage and fuel consumption in various units. It also creates statistics for your maintenance records, distance travelled, and other information you might need in order to keep your car in top shape.

  1. aCar

Aside from statistical information of your car and tracking of your maintenance, you can also track your expenses of your car.

  1. Car Maintenance Reminder Lite

This app sets up reminders for your next maintenance services. It also keeps track of your fuel consumption, cos, and mileage. You can use these trackers for more than one vehicle with this app.

  1. carNotify

You won’t forget to change your oil, replace air filters, add breaks fluid, and take your car to get a tune up among other things with this app.

  1. Car Care

This app can be used for more than one vehicle, as well. You can also keep track of your fuel economy. It also has a user friendly interface.

  1. CarPros

More than the maintenance reminders and information on your car, this app also locates the nearest auto shops where you can take your car.

  1. Car Maintenance Service & Fuel

This app allows you to track your car information and service records. It also reminds you of your next service. It also provides information and the needs of specific parts of your car.

Now you can keep track of your car’s maintenance and lessen your worries. However, there is no guarantee that you won’t face any mishaps on the road.

Road mishaps and car damages are expensive. You need to equip yourself financially and get the help they need if they ever encounter any problems.

The best way to be ready is to get your car insured. Get the best car insurance solution that is fast and easy. With MAPRE INSULAR’s car insurance, you won’t just get financial aid; you will also get the proper emergency service you will need.

For more information, visit www.mapfre.com.ph.

Posted in Bring it on PROTECTION, Road Smarts

Here are 4 DIY Ways To Theft-Proof Your Car


Imagine the horror of finding out that your car isn’t on the same spot where you left it.

Regardless of advancements in vehicle security systems and an increase in affordability in auto dealership, there’s still an alarming amount of car theft incidents that not even as vintage as a ‘92 Civic could escape from.

According to a 2011 report by the Philippine National Police (PNP) Patrol Group, eight out of 10 car thefts occur in Metro Manila, with Quezon City at the forefront covering fourth of all vehicle-related cases, the Inquirer reports.

Even statistics show that basic anti-theft solutions such as locking your car doors or the absence of a key isn’t going to intimidate thieves right away. Sure, you can get yourself anti-theft devices like a car alarm or a ready-to-install security system for your garage. But what if you don’t have a garage? Or money?

This article was specially written for those of us who still drive old pickups and barn finds that don’t come with the highest quality of security it deserves. Fortunately, there are a lot of creative ways to protect your assets that won’t require you to break the bank:

  1. Quick-release steering wheel

What better way to prevent car predators than by slowing down their thought process? The quick-release steering wheel system allows just that as it allows you to detach your steering wheel. Either you take it with you or hide it somewhere safe inside your car. It may seem gimmicky but this innovative solution has saved many lives from emergency situations. Installation is easy, effective, and it’s enough to make any thief think twice about breaking your car window.

  1. Install a kill switch

You cannot put all your trust in a car’s door locking system. Maybe you want to take further measures and use home materials to protect your car. Chains can be a big help but if you are still in doubt, you can add a little more to the mix by throwing in an ignition kill switch. Having such a device would literally stop any criminals dead in their tracks.

  1. Have an alarm sticker

Blinking LED lights that indicate active alarms is a good thief-repellent. These babies can detect if someone is trying to get into the car. Imagine the blaring siren of your alarm going off when a would-be thief tries to undo you car’s locks or break a window. The surprise brought by the scandalous sound would be more than enough to make them run for the hills.  Additionally, these are relatively cheap compared to other available security measures.

  1. Park in the right place

Nothing beats parking in the right place to avoid car theft. Only park in places with security or CCTV cameras. Also avoid parking on the streets, especially at night. There’s no telling how safe your car would be out there. It’s better to spend  a little on parking fees than losing  your car altogether.

These things are just ways of preventing car theft. But if you want to really protect your assets, why not invest in car insurance with accident coverage and even third party liability insurance. There is a variety of plans and packages available to cater to all your protection needs. Visit www.mapfre.com.ph to learn more.

Posted in Bring it on PROTECTION, Road Smarts

Here’s How To Plan a Cheap Out Of Town Trip Under 3,000!


Need a break from the toxicity of Metro Manila? Nothing sounds better than having a relaxing and refreshing vacation out of town. But here’s the catch: you must work within a P3,000 cash budget.  Here’s how you can make it possible.

One of the many things to consider when travelling on a budget is the destination. Ask yourself if you have a P3,000 budget, what are the possible places you can go? Tagaytay is a good choice, and so are Zambales, Pampanga, Bulacan, Batangas, Rizal, Laguna, and Antipolo. These destinations are near the Metro so this means you’ll spend less on gas or commuting. Famous tourist spots include Anawangin and Nagsasa in Zambales, white sand beaches in Nasugbu and Calatagan Batangas, or Borawan Island in Quezon province.

After deciding where to go, the next step is finding where to stay. There are affordable hostels you can check out in these areas but if you are adventurous, you can bring your own tent. Just make sure to check if your destination allows camping. You can also find reasonably priced places on AirBnB or VRBO.

Food is the next necessity to consider. While bringing packed meals is always an option, you can also explore the area and discover cheap meals. Experiencing an area through its cuisine and culture adds to the overall experience, after all.

Do some research and make an itinerary. Planning your destinations and activities is a big help when working on a budget. This part is optional because there are places with few attractions, so if you plan where to go, you can also look for activities to do in that place. For example if you hope to visit Angeles City in Pampanga, you can head over to the Sandbox Adventure Park in Porac, Pampanga.

If you’re not into the hassle and tassel of planning a trip on your own, you have the option of finding travel packages online. This is a smart move when making plans with friends as costs are split among all of you. However, if you have to go solo but want company, there are travel agencies that allow you to join other groups. For the budget backpacker, there are travel deals online that go for about P2,500 all in. Just be mindful and double check each transaction and its conditions to avoid scams.

Travelling is for everyone who loves discovering beautiful places, with or without much cash. But to fully enjoy a trip without having to worry about cancellations, lost baggage, or medical expenses, travel insurance is a must. Learn more about it on www.mapfre.com.ph. It’s time you experience life without worries.

Posted in Bring it on PROTECTION, Travel

Are Dashboard Cameras Necessary these days?


Last August, a video of a road rage incident made rounds on social media and earned thousands of views. The incident involved a tricycle driver and a truck driver. The tricycle driver allegedly overtook the truck and hit its side mirror. The truck driver got off to fix the side mirror, when the tricycle driver suddenly came back and hit the truck’s windshield, breaking its wipers, and then took his leave. The entire incident was caught on a dashboard camera installed in the truck.

A dashboard camera, also known as dash cam, is a camera that, as the name implies, is placed in the dashboard of the car to record everything that’s happening on the road. Think of it as a CCTV for your car. Most dash cams just need to be plugged into a power source, and will start to record as soon as your car starts. These cameras have built-in memory and run in a continuous loop. They record everything: mundane happenings, road rage, accidents, and even weird instances in the road.

Because of its usefulness, more drivers are installing dashboard cameras. However, is it really necessary to install a dashboard camera in your car?

According to reputed car enthusiast and journalist James Deakin, it is. He also said that installing dash cams should be made mandatory, as it is in Russia, Singapore, and Taiwan. In a blog post, he pointed out that “It is the simplest, most cost-effective way to protect yourself from the evil that lurks out on our roads.” Footage can be used as evidence when reporting other motorists violating traffic laws. He also says that people can save lots of time and money from court cases and settlements, insurance cases, and other matters by installing dash cams.

Just last year, a bill to legalize the installation of dash cams on public vehicles was filed, saying that in other countries such as the United States and Australia, 80 percent of car accidents are reduced due to installation of dashboard cameras. This bill will be known as the House Bill 6050, or the “Dashcam Act of 2015”.

Now that you know the benefits of having a dashboard camera, what do you need to look for in a dash cam for your car? Here is a check list:

  • A large aperture feature. Larger apertures allow more light in, making for clearer videos, especially at night. Look for dash cams with apertures of 2.0 and below.
  • G-force sensors. These sensors measure a car’s force of impact in the event of an accident.
  • It can tell your location and speed when you’re driving. It can come in handy when you need to show the footage as an evidence when you get involved in an accident.

Aside from these benefits, dashboard cameras can also improve your mindfulness when on the road. Knowing every inch of your journey is being recorded makes for an exercise in caution that, over time, becomes second nature–essentially helping you become a better driver.

When push comes to shove, especially in car accidents, you can count on dashboard cameras–and car insurance. MAPFRE INSULAR provides comprehensive car insurance, repair, and towing services without the usual hassle of paperwork. To know more, visit www.mapfre.com.ph.

Posted in Bring it on PROTECTION, Road Smarts

5 Genius Ideas To Prevent Break-Ins


Heating doorknobs and placing booby traps may seem like fun ways to keep burglars out of the house; however, that is a thing for the movies. In reality, if your house is completely empty of people, they just simply can’t be done.

Just this year, a home in Mandaluyong fell victim to one of the notorious Akyat Bahays in the country and P50, 000 worth of valuables were stolen. This was reported by a local multimedia station.

Leaving your house can make it at risk of break-ins, but you can’t possibly leave a family member behind during your adventurous vacations or family reunion in the province. With that, here are some suggestions on how you can make your home unsusceptible to break-ins.

  1. Stop broadcasting everything you do on social media.

Sure, it may be a trip worth bragging about, but letting other people know that your house will be empty for the next couple of days will make it prone to burglars. The Manila Times says vacations make your house an easy target for break-ins.

Also, don’t brag about the expensive things you own. It will serve as bait for keen robbers.

  1. Make it seem like there’s always someone home.

Again, when there’s nobody home, that’s when your house is in danger of getting robbed. Install timer lights or motion sensors to make it seem like there’s always someone home. You can even opt to leave a radio running all day.

It may seem silly, but you can also pretend to say goodbye to someone when leaving the house. This gives the impression that there will be people at home when you leave.

  1. Be a friendly neighbor.

One of the most important and effective tools in protecting your house is being friends with your neighbors. If you and your family aren’t home, your neighbors are the nearest people to your house.

Before leaving, tell your neighbors to keep an eye on your house. Neighbors who share a deep friendship are more likely to report any suspicious activity around the property to the police, according to US News.

  1. Install cameras you can access through your smartphone or gadget.

CCTVs are great, but what’s better is the ability to see your house in real time because it’ll be easier to stop or catch the culprit that way. A local internet provider offers a wireless home security monitoring system. It will let you see and hear what’s happening inside your home even when you’re away by connecting to the internet.

  1. Do not leave your valuables out in the open.

Try to conceal your belongings as much as you can. Put up drapes or curtains on your windows. Make sure windows don’t allow people from outside to peep into your house. If you buy new and expensive furniture or gadgets, conceal the boxes when you throw them out. Valuable items attract burglars.

It’s really difficult to tell when and where a burglar will strike, but you can always take extra measures to prevent it from happening to you. Break-ins are as real in life as they are in movies.

For better protection of both your home and valuables within, get a comprehensive home insurance plan that will have your back whether it be a burglary or a natural calamity. You can even get medical assistance in case you are affected, as well as when your home is in peril.

For a trusted quality insurance provider that offers all this, visit www.mapfre.com.ph.

Posted in Bring it on PROTECTION, Home

8 Travelling Mistakes You Didn’t Know Are Using Up Your Budget


It’s the last day of the trip and it was supposed to be the day you buy pasalubong. But then you realized that your remaining budget was just enough to get you home.

It was a worthwhile trip but at the back of your mind, you knew you could have had the same amount of fun without burning the same amount of cash. If you feel like you spent too much, chances are, you committed some of these budgeting mistakes:

  1. Giving in to shopaholic tendencies

Yes, there are many enticing keepsakes to see in flea markets and malls abroad. Sometimes, you think to yourself; “I might not be able to see this again so I should buy probably get it now.”

This is where the problem lies—making impulsive purchases. Before you go on buying a pair of earring or a matryoshka doll, make sure it’s worth it and it fits your budget. You also should be careful about buying things because there are items that are hard to repair back at home, in case it breaks or needs fixing. What a waste!

  1. Choosing the wrong hotel location

You may think that you’re saving money by booking a hotel that is cheaper than the standard rates, but you may be spending more on transportation. You might not even get the value for your money.

Booking a hotel that is far from the places you want to visit will be a bit of an inconvenience to you in terms of travel time and expenses, especially if you have children with you. There’s also the risk of getting lost.

Take the time to research on the best available choices online. Try to browse hotel booking websites like Airbnb to find affordable places for you.

  1. Ditching insurance

You might think you don’t need it, but when the emergency is actually there, you’ll be glad you got yourself covered.

There are many things insurance can save you from. From medical emergencies to technical problems at the airport, insurance will sure come in handy and can save you lots of time and unnecessary spending.

  1. Exchanging a lot of money before leaving

This is a common mistake travelers make when going abroad. Do not exchange a lot of money, get just enough until you get to the first ATM you see after landing. The exchange rate can be fickle and it might end up changing just before you land. If it is in your favor, then you’d regret having exchanged your money beforehand.

Get your currency exchanged at an exchange booth with a good rate. As much as possible, do not use the airport exchange booth because their rates and fees can be high.

  1. Taking the road frequently traveled

The tourist track can get pricey because it is priced for tourists. There is nothing wrong with that, but you might get more value for your money and more unique experiences if you explore outside the common tourist spots and activities.

You never know what kind of crazy adventure you might have. But of course, don’t ever risk your safety or health in the name of adventure. It won’t hurt to ask assistance from locals too!

  1. Incomplete travel essentials

A shampoo bottle, a tube of toothpaste, or a roll tissue may seem like cheap necessities, but they still account for several bucks! You may feel like you’re only spending a small amount, but when you accumulate those small amounts, you might be surprised by how much you’ve spent already.

Add budget for that or better yet, don’t forget to pack them. You will save on cost and you will also save yourself from a trip to the convenience store (where you might get tempted to buy other unnecessary things).

  1. Controlling your roaming settings

Allowing your phone to be on roam aimlessly will skyrocket your next phone bill. While it is important to contact your loves ones back at home, it can also be quite expensive to do so.

Control your usage of roaming as much as you can. Better yet, shut it off completely and opt to use the hotel or other places you visit’s free Wifi to get in touch with loved ones back home.

  1. Underestimating the time or distance between connecting flights

This is one vital mistake that happens all too often. Underestimating the travel time between connecting flights will cause you to miss it, which is more of a waste of time. But, you know, time is money. And if you’re wasting time, you’re wasting money.

Make sure to put enough allowance for time in between your connecting flights to avoid this kind of inconvenience.

It’s not about buying or booking the cheapest, it’s about getting the value for your money and you can still have an adventurous and happy trip without shelling out so much cash. The best part about having enough budget is getting to buy pasalubong for your loved ones to make them feel that you didn’t forget them during the course of your trip.

One of the least prioritized and commonly disregarded travel essential is insurance. Comprehensive travel insurance can help you with any emergency that could happen while you’re on your trip whether locally or abroad. From medical expenses, lost baggage to trip cancellations, a travel insurance will surely save you. MAPFRE INSULAR offers these services for both domestic and international trips.

To understand more about travel insurance, visit www.mapfre.com.ph.

Posted in Bring it on PROTECTION, Travel