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The Importance of Delayed Gratification: Why Waiting Pays Off

I n a world where instant access and quick rewards dominate our daily lives, the ability to delay gratification has become a rare but powerful skill. Whether it’s resisting the urge to scroll through social media while working, saving money instead of splurging, or sticking to a long-term fitness plan, delayed gratification is the quiet force behind success, resilience, and personal growth. Delayed gratification is the practice of resisting an immediate reward in favor of a larger or more enduring reward later. It’s the difference between eating a cookie now versus waiting to enjoy a healthier body tomorrow. Psychologists often describe it as a cornerstone of self-control and discipline. One of the most famous studies on delayed gratification is the Stanford Marshmallow Experiment in 1970 led by psychologist Walter Mischel, a professor at Stanford University. Children were offered one marshmallow immediately or two if they could wait. Follow-up studies revealed that those who waited t...

How to Convert TikTok Paylater to Cash Guide and Review

TikTok users who already have activated the TikTok PayLater offered by the TikTok shop to their loyal customers are wishing to convert the offer into cash, as they are more prepared to spend the money on other daily needs or bill payments. However, TikTok just came on to the purpose of the financier as “buy now pay later” for the products that users prepared to check out. All e-commerce offered Buy Now Pay Later options are naturally not convertible to cash, though users are still looking anyways to make the credit limit more useful and viable. Like GGives , Spaylater , and Lazada PayLater, all of the offer limits are spendable to purchase goods and services within the e-commerce shops and partners. Though Spaylater has an option to convert your limits without risks and additional service fees, we have no guarantee when the last time it will work to become convertible as before. GGives is easily convertible into cash using Shopee Shop through canceling the checkout. But when Sho...

Your Guide to Change Mobile Number in Diskartech App

When my mobile number was lost and became deactivated, I wasn't able to transact anything in the Diskartech app. It was always asking for a one-time password as the key to proceed with any transactions. To solve my problem, since the Diskatech Application has no tab for changing mobile numbers, I have no option but to contact their customer service email address. Yes, you heard it right; once you have a problem with your account, always contact customer support through the email address or phone. When I was trying to recover my account by changing my mobile number, it took days to resolve. Since I am a busy person, I can not reply to the email immediately. I'm going to share with you guys my experience of changing Mobile Number in the Diskartech App. Disclaimer: I will not specify all things here since the content of the email was not authorized to be reproduced nor shared with anybody prohibited by the RCBC. Rizal Commercial Banking Corporation (RCBC) is the bank behind the D...

Mga dapat tandaan sa wastong pagpili ng inahing manok (Broodhen)

A ng pag-aalaga ng hayop ay marapat mayroong kaakibat na sipag at tiyaga para maging maayos at produktibo ang isang farm. Ang pagpapanatili ng magandang produksyon sa iyong paghahayupan ay hindi lamang dapat nakabatay sa kung ano ang nakasanayang gawin sa loob ng bakuran ng iyong farm. Mas maiging kumuha o mag-adapt din tayo ng mga kaalamang galing sa ibang farms, professionals, instructors at mga dalubhasa sa paghahayupan. Sa article na ito ibabahagi ko sa inyo ang mga dapat tandaan sa wastong pagpili ng inahing manok na maaring makatulong sa pagpaparami ng iyong produksyon. Ito ay ilan lamang sa mga natutuhan ko sa isang free seminar organized by ATI (Agricultural Training Institute) Bicol titled with "Native Chicken Production". Ika nga "Sharing is Caring". Mas mabuting malaman natin ito ng sa gayon ay maiwasan natin ang massive losses of our production. Alam naman natin na with the good broodhen maaari tayong magkaroon ng maraming produce of chicks with i...

Buy Now, Pay Later: Helpful Tool or Hidden Trap?

Walk into any online checkout today and you’ll see it: that tempting little button offering to “Buy Now, Pay Later.” BNPL has become the darling of modern shopping, promising instant gratification without the sting of a full upfront payment. But is it really helpful—or just another way to lure us into debt? BNPL isn’t just a trend; it’s a movement. Younger shoppers, especially Gen Z and Millennials, are flocking to it because it feels more approachable than credit cards. No intimidating applications, no long waits for approval—just a quick click and you’re walking away with your purchase. Retailers love it too, since it often boosts sales by making expensive items look more affordable. Why BNPL Feels So Helpful Think of BNPL as training wheels for your budget. Instead of dropping ₱ 12,000 on a laptop in one go, you can split it into four ₱6 50 payments. That’s easier to digest, especially if you’re juggling rent, bills, and groceries. Interest-free installments : As long as you pay on ...

What are the differences between GLoan, GGives, and GCredit?

GCash is the number one E-Wallet in the Philippines, making it the most useful application of all time with almost 81 million active users as of May 2023. It is like a huge supermarket that has been compressed and put into your phone. They have several partnerships with physical stores, insurance companies, online stores, SMEs, corporations, freelancers, casinos registered with PAGCOR, and financial institutions like lending companies and crypto investments. However, not all of its million active users fully utilize the power of this super app. In this article, I will be telling you about one of the most useful and helpful features of the GCash App: the Borrow features. If you have already read the article titled “ Which is better, GCash (GLoan) or Billease? ”, I have already explained the factors that determine your eligibility for the Borrow features of GCash. Here, I will be explaining the differences between the three icons within the Borrow icon and what are the se...

Converting Spaylater to Cash through Maya Business is not working

Screenshot of Spaylater| Spaylater Users who tried to utilize their credit can not convert offer into cash started on the last quarter of 2025 Shopee's SPayLater is a "spend now, pay later" option available across Southeast Asia. It provides convenience and affordability for Shopee users, allowing them to buy things as easily as one click, even if they have limited cash. As users are keen to utilize this credit for various purposes, they are looking for ways to convert their SPayLater Credit into cash. Previously, we published an article about converting SPayLater to cash through Maya Business . However, as of the last quarter of 2025, this conversion method via QR Ph in Maya Business is no longer accepted. Some SPayLater users who attempted to convert credit to Maya Business have experienced this i...

2 Ways to Cash Out Spaylater Credit Limit

Spaylater is the buy-now-pay-later payment option offered by shopee to their selected users. This feature is available exclusively in shops to help users enjoy the shopping experience without worries. More of the users are prepared to cash out credit limits like Sloan. They are more likely to use money for personal and daily needs. Sloan is offered by shopee app once users continuously use Spaylater with good payment history but exceptional to those users with a high credit reputation and history to other financial institutions such as banks, CIC, e-wallets, and other lending companies. However, like Sloan, Spaylater can eventually use it as a payment method outside the application via QR code payment. Just finish this article for you to enlighten more. If you are a new user of Spaylater, this option is temporarily unavailable. Enjoy using spaylater instead and wait to activate the more features that you can enjoy of using spaylater. Here are the following steps on how you can tra...

Sloan and SPayLater Users Review and Guide

Sloan and Spaylater are both Financial services provided by Shopee Philippines for their selected users. These financial features offer buy-now-pay-later and cash loans so that users can enjoy their shopping experience in the app. SeaMoney (Credit) Finance Philippines Inc. is the financing company of Sloan and SPayLater in the Philippines, which is part of the Sea Group - operating seven markets in Southeast Asia, including Taiwan. It was registered as a finance and credit provider in the Security Exchange Commission on August 4, 2020, with registration number CS202005382. In part of their mission to better the lives of individuals and Businesses in Southeast Asia through technology, SeaMoney serves the financial needs of Filipinos through SeaMoney (Credit) Finance Philippines Inc. and SeaBank . What is Sloan? Sloan is a cash loan offered by Shopee Philippines, in which users can borrow money with the approved credit limits on the platform. Sloan is limited only to the selective users ...

Gcash Failed Transaction but deducted? Here's what to do!

One of the common problems in GCash transactions is that the debited amount is not reflected in the recipient's account or is not credited to the biller. Someone who has this problem feels frustrated and alarmed by what they need to do. They worry about the overdue charge for the biller that had a failed transaction and about possibly losing money to an unknown. GCash is always on the go; you have nothing to worry about with all failed transactions as long as there's valid proof of your transaction, specific time, and exact date. As the most reputable and trusted fintech app in the Philippines, GCash customer service will always be on the act to serve you better and solve the problem you are facing in their application. However, if your failed transaction is about bill payment, there is a possibility that you will be overdue to the biller. But if the failed transaction is reconciled by GCash and the biller, all possible overdue charges because of your delayed pay...

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