5 Practical Home Moving Tips

5 Practical Home Moving Tips

Saying goodbye to your home is hard, but switching abodes isn’t any easier. Doing a relocation can be daunting and quite taxing. The foreign vibe and the different feel of a new place is hard to adapt to, but it’s nothing compared to the tedious task of moving and bringing your things from one place to the next. In this article, FGen gives you five practical home moving tips to help you settle anew.


Decluttering is one of the must-dos when packing for a new home. Of course, you don’t plan to bring every little bit from your current house to the next - filter, check, and separate the ones you actually need from the ones you don’t. 

Label everything

It’s going to get messy, and if uncareful, you’re going to lose and misplace things. It is best to categorize, label or put a mark to your belongings so you don’t confuse them with garbage.

Protect the breakables

You’re going to want to take your chinawares with you. How will you keep them from breaking? Swathe them in cloth or in bubble wraps

Secure appliance cords

Tie the loose wirings. Removable cords have the tendency to be misplaced, or if non-removable, caught in unnecessary tangles. 

Contact a reliable mover

Hiring a home mover is the safest, most convenient way of bringing all your cargo from point to point. Even if you have a van spacious enough for all the boxes, having experts move your things take weight off your shoulders.

Home moving, together with having your belongings properly secured, is a tough life decision and a tough process. It is another thing, however, to have your new home rightly secured.

Contact FGen at 02 706 3959 for further information about property insurance. 

Chic, Kikay Travel Kit For Adventurous Women

Chic, Kikay Travel Kit For Adventurous Women

It's the middle of summer,  which means that there is still time for you to travel. Aside from all the baggy hand-carry and the heavy backpacks, women have fad additions to their luggage - kikay kits. For all the ladies out there, what exactly should your sleek travel kits have for the summer? From make-up to personal hygiene, FGen has five ideas.


Surely, you will be getting a lot of sun, and a lot of sun means bad for your skin. Having a sunblock in your mini bag can help you because it contains SPF, or Sun Protective Factor. Heed our advice, or you’ll have to deal with the sunburn.  


Don’t settle with just the sunscreen because your face will need much more than momentary lotion. Having a foundation at all times protects you from further radiation, and it also makes you ready and always on-the-go for any surprise beach parties or late island night-outs.

Lip Balm

All the sand will make your lip itchy, and its gloss fade. Carrying a lip balm in your pocket revitalizes your lips, thus preventing it from a dry skin breakout.

Hair Tie

Avoid the soaked-and-messy look! Whether you’re going to splash in a pool or in the ocean, bringing a hair tie with you screams convenience. 


Your sunglasses will always stand as your go-to fashion style, because it transforms any getup from chic to sexy. Aside from making you look super cool and trendy, sunglasses offer you an amount of protection from the glares of the sun. Who would have thought you could be both stylish and UV-protected at the same time?

Always having an available kikay kit in your handbag is handy and easy. It secures your look and promises you of an ultimate on-the-go glo-up for your getaway.

However, is your getaway also insured? Travel Secure with FGen insurance. Contact us at 706 3959 or message us for more details on travel insurance.

Condo or house-and-lot, which is for you?

Condo or house-and-lot, which is for you?

When buying your first property, there is always a surfacing debate: is it better to invest for a condominium unit, or a full house and lot? For those who still cannot decide, we have outlined some of the advantages and disadvantages for each.

Going for a condo unit comes with a lot of perks. As all condominiums are normally situated in the urban areas, accessibility to all places are ensured. Your home is within short distance to the malls, restaurants, and shops. You might even be lucky and live just across the building of your job. Condos also come with amenities, so you won’t have to worry about your occasional swimming and gym sessions. However, with these advantages come drawbacks.

Suppose that you own a car. Condominiums have provisions for parking, but their costs differ. You might have to frequently rent for a space, or buy your own, which certainly would raise your investment.

Condos also have rules and regulations. Some won’t allow you to own pets, because the buildings are shared.

These rules and regulations do not come when you actually own a separate house and lot. You have total control over land and the property, which even enables you to save a parking space for your vehicle. You can own a dog or a cat at the same time because you have complete responsibility to your home. Renovations are also an advantage to having your own house, as this is inapplicable for condos. In certain subdivisions, however, homeowners are bound by certain rules that limit their options when it comes to the external style of their house, including color schemes.

No matter which you choose, however, it will all come down to how you manage and take care of the property you live in.

Both options are not free from possible misfortune such as incidents of theft, fires, and earthquakes. It is better to think ahead and have your property insured in case the need for such arise.

Contact FGen at (02) 706 3959 and get a quote for property insurance to secure your cherished homes. 

Everything You Need to Know About Getting a Schengen Visa

Everything You Need to Know About Getting a Schengen Visa

Travelling to Europe is a dream to many. Who wouldn’t want to experience history while viewing the Parthenon and the Colosseum, or have a date in the moonlight by the Eiffel Tower, or geek out at the art collection of The Louvre, or marvel at the impressive architecture of La Sagrada Familia?


But for many, these dream destinations remain dreams. Aside from expensive airfare, travelling to Europe requires a lot of paperwork (especially if you’re from the Philippines!)


Filipinos going to Europe, or at least going to 27 countries in the continent, require a Schengen visa for them to enter.


A Schengen visa allows holders to enter Austria, Belgium, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, The Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Switzerland, and Sweden without having to apply for a separate visa for each country.


This should make fulfilling your dream of a European tour easier – except it doesn’t. The task and the papers involve seem too daunting.


But don’t fret! It’s not as difficult as it seems. Here, we break down applying for a Schengen visa in seven easy steps.


  1. Make an itinerary
    Aside from ensuring that you maximize your stay in Europe, an itinerary is essential as it is one of the documentary requirements for applying for a Schengen visa. Your itinerary will also determine what embassy you should submit your application.


  2. Determine where you will apply
    Now that you have an itinerary, check what country you will stay in the longest. This would determine what embassy you will submit your application to.

    So, let’s say you plan to spend three days in Portugal, five days in Spain and two days in Italy, then you should apply for a Schengen visa at the Spanish embassy. If you plan to spend the same amount of days in every country you visit, then you should get a Schengen visa from the embassy of the country of first entry.


  3. Check and gather requirements
    While the European Commission has specified a list of requirements common to all Schengen countries, individual countries may require additional requirements. For example, Italy requires that tourists get health insurance at least €30,000.

    This is also the time that you book flights and hotel accommodations as these are among the documentary requirements.

    Here is a list of the general requirements for tourists:

    • Accomplished application form

    • One recent colored passport-sized or 2x2 photo with white background

    • Travel documents

    • Valid passport and photocopies of biographical page, last page, and pages with visas and immigration stamps

    • Old passport/s if available

    • Proof of financial means

      1. Bank certification, bank books

      2. Personal bank statements, credit card statements or balance for the last six months

      3. For minors: Proof of economic means of parents or legal guardian

    • Proof of travel

      1. Copy of roundtrip airline reservation with Passenger Registration Number or reservation number and travel itinerary

    • Proof of will to return

      1. Copy of employment contract or social security contribution, if applicable

      2. Copy of real estate property title-deed, if applicable

      3. Proof of family ties (e.g. marriage certificate)

    • Proof of occupation

      1. For those who are employed

        1. Certificate of employment

        2. Certificate of leave of absence

      2. For those who are self-employed

        1. Department of Trade and Industry or Securities and Exchange Commission registration of business

        2. Income tax return

        3. Business financial statement

      3. For students

        1. Proof of enrollment

        2. Certificate of leave of absence, if travelling within the school year

    • If travelling with spouse and/or children

      1. PSA certified marriage contract

      2. PSA certified birth certificates of children

    • For non-Filipinos living in the Philippines

      1. Copy of Alien Certificate of Registration

      2. Re-entry permit

    • For minors

      1. Affidavit of support and consent of parents, especially from the non-travelling parent, or legal guardian

      2. Copy of passport of parents or legal guardian

      3. PSA certified birth certificate

      4. Department of Social Welfare and Development clearance

    • Hotel confirmation or voucher

    • Detailed day-to-day itinerary of the trip


  1. Make an appointment (if needed)
    You can apply for a Schengen visa as early as three months before your planned entry. Schedule an appointment with the embassy where you would apply.

    Not all application centers require a scheduled appointment. Some VIA centers for Italy, for example, allow walk-ins.
    So, make sure to check!


  2. Appear at the embassy
    Head to the embassy on the scheduled date to submit all required documents and get your biometrics taken. Pay the €60 Visa fee and the P1,100 VIA service/handling fee.


  3. Wait
    Patiently wait for your passport, hopefully with the Visa attached, to be mailed back to you.


Get insured
It’s best to travel worry-free. As mentioned above, some countries may require that a Schengen visa applicant has some form of insurance. Fortune General offers a travel insurance plan which can cover your trips to any country you wish. So, go ahead and sail by the Greek islands and watch the Northern Lights in Ireland free from anxieties! Get insured now!