Christmas in the Philippines means a non-stop calendar of reunions, noche buenas, company parties, and endless toasts. But if you plan to get behind the wheel after a couple of beers, the Land Transportation Office (LTO) just gave everyone a very serious reason to pause. With Memorandum No. MVL-2026-242, the LTO has instructed law enforcement officers to strictly execute existing rules under Republic Act No. 10586 (the Anti-Drunk and Drugged Driving Act of 2013). Starting November 15, deputized officers will strictly enforce mandatory procedures that can easily result in the revocation of your driver’s license—or worse. Before you hand over your keys to a valet or decide to "wing it" on the drive home, here is the breakdown of what's happening and how to protect yourself, your license, and everyone else on the road. What’s New in the LTO Memo? There’s a lot of chatter online about breathalyzers, but here’s how ...
As parols go up and Christmas lights brighten homes, the holiday season offers a timely opportunity to think about energy use and improvements that can benefit households long after the celebrations end. For homeowners looking to reduce their energy consumption cost, installing solar panels may be worth considering to lower electricity bills over time. However, making the switch requires an upfront investment in equipment and installation. Metrobank’s Home Equity Loan offers eligible homeowners a way to finance this upgrade using the value of their existing residential property. Put your property’s value to work Metrobank’s Home Equity Loan allows eligible borrowers to access up to 70% of their property’s value, with payment terms of up to 10 years. This provides a financing option for homeowners who want to install solar panels without drawing entirely from their savings. According to Metrobank, homeownership is one of ...