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Make every peso count on your holiday trip with Wise

Make every peso count

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Dreaming of a holiday abroad but worried about hidden costs eating into your budget?

This Christmas season, overseas vacations are always a great idea — whether it’s solo or a group trip with friends, or with loved ones and family.

Exploring new food, culture, and shopping abroad is the ultimate reward for a year’s hard work.

However, airfare, accommodation, and other expenses can quickly make such trips costly. Add to that extra charges, like transaction fees and fluctuating conversion rates.

Thankfully, there are several ways to make every peso count when traveling. Wise, a global technology company, offers smart tips to spend and manage money internationally better so you can make your trip more affordable and enjoyable.

Track your expenses

The simplest way to build up for a long-awaited holiday trip is to budget ahead and start saving as soon as you can.

You can start by tracking your daily expenses with budgeting apps. You’ll see how small purchases add up, giving you the awareness to budget more effectively.

For instance, daily spending habits like buying coffee outside can add up quickly. A PhP 200 coffee a day at a major chain equals PhP 6,000 a month, or even PhP 72,000 annually. That’s more than enough for a three-day family trip to your dream destination.

Outside of travel, that can become your funds for Christmas gifts, new clothes, and further treats for yourself.

Deposit travel savings into a separate account

Knowing that you will travel in the future, the next step is to decide where to keep it. You can transfer a portion of your 13th month pay or Christmas bonus to a separate account to grow your travel fund.

This is where Wise comes in handy. For travels, it holds money in more than 40 currencies. The Wise Jar feature also helps users organize money for different trips. It’s a great way to protect funds, stay consistent, and prevent overspending.

Once you’ve secured your travel fund, the next challenge is making sure you spend it wisely abroad.

Prioritize experiences over expenses

A simple mindset of valuing experiences and creating memories over material things like souvenirs can go a long way.

Sure, happiness looks different for everyone, but there are several budget-friendly activities abroad that offer the authentic experience. There are free walking tours and tourist pass bundles for a lower price.

And with just your smartphone or portable camera, those moments will stay with you long after the trip ends.

Be wise with payments

Moreover, it’s easily tempting to use a credit card and pay in pesos when buying goods or shopping internationally. However, while that sounds convenient at first, you could incur additional fees without even realizing it.

Traditional cards charge up to 3% in foreign transaction fees. Plus, conversion rates always fluctuate. Dynamic Currency Conversion (DCC) fees when paying via merchants’ POS or withdrawing cash at foreign ATMs also hurt as they’re usually marked up.

Fortunately, the Wise multi-currency card lets users hold and spend in 40+ currencies at the mid-market exchange rate, minus hidden fees. It allows you to spend like a local and bypass foreign transaction fees.

For instance, a smartwatch priced at US$ 85 could cost you PhP 5,100 if you pay in pesos. But if you pay in USD using Wise’s mid-market rate, you’d spend only around PhP 5,004.8. This allows you to save roughly PhP 100 on a single purchase.

Multiply that across meals, shopping, transport, and other daily expenses and you could save thousands in a single holiday.

Tap to pay when abroad

Lastly, and as mentioned above, the Wise card can be added to your Google Wallet. This makes it seamless for travelers to pay abroad.

Not only can you pay in over 40 currencies at the real exchange rate without extra fees, but you don’t have to carry a physical card either. You just need an Android phone or smartwatch to pay.

To add a Wise card to Google Wallet and pay with Google Pay, customers can:

  1. Open the Wise app
  2. Tap the Card tab to view all available cards
  3. Select their card to add, then tap “Add to Google Pay.”

Ready to travel smart this holiday season? Download Wise now and make your dream trip happen — without hidden costs.

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Samsung’s bet on the future of connected health: Less data, more action

Inside Samsung’s plan to close the gap between your wearable and your doctor

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Here’s a paradox worth sitting with: Wearable adoption keeps climbing. A lot of people now walk around with a sensor on their wrist, tracking heart rate, sleep, steps, sometimes ECG. And yet chronic disease rates haven’t moved.

That’s the problem Dr. Hon Pak, Samsung’s Head of Digital Health globally, opened with at a recent panel on the future of connected care. More data hasn’t meant better healthcare. His diagnosis: a first-mile, last-mile issue.

The first mile is that all this wearable data rarely makes it to a doctor in any usable form. The last mile is that even when a doctor says “lose weight, eat better, move more,” that advice tends to dissolve the moment real life takes over.

Picking up kids, caring for parents, getting through a Tuesday, it’s not that people don’t know what to do. It’s that knowing and doing are two different problems.

Samsung’s answer involves three things it says connected care needs to mature: meeting people where they actually are, building enough trust that people rely on the data, and using AI to turn that data into something a person can act on rather than just look at.

The Tuesday evening problem

Karthik Poriya, Head of Product at Samsung Food, framed the everyday failure point clearly. Picture it: long day, you’re tired, staring into the fridge. You’re not reaching for the healthiest option in that moment, you’re reaching for whatever’s fastest and most satisfying.

For years, nutrition tracking has focused on logging what already happened. Poriya’s team wants to intervene right at that decision point instead, pairing Samsung Health’s underlying data (BMI, antioxidant index, glycation markers) with Samsung Food’s recipe index of roughly 40,000 dishes mapped across 34 nutrients, so a health number turns into an actual dinner suggestion rather than another stat to check later.

Dr. Pak backed this with a small, concrete example from his own family: moving leftover cheesecake out of eye-level in the fridge and putting washed, sliced carrots there instead.

Kevin Duffy, CEO of connected fitness company iFit, made a similar point about exercise. The most effective tool for sticking to a fitness plan is a personal trainer, he said, citing roughly 80% higher adherence compared to going it alone.

The problem is cost: US$100 an hour or more in a major city puts that out of reach for most people. iFit’s bet is that AI can deliver something closer to a personal trainer’s precision and motivation at a price that isn’t elitist.

Duffy pointed to three reasons his company partners with Samsung specifically: reach (Samsung hardware is already in people’s homes, on their wrists and TVs), access to the biomarker data needed to build an accurate plan, and the fact that fitness goals don’t exist in isolation from sleep and nutrition data.

Trust has to come before any of this works

None of the behavior-change ambitions matter if people don’t trust the data or the company holding it. Rohit R. L., who heads Samsung’s Technology Innovation Lab in the UK, laid out how his team approaches that.

Privacy comes first: Samsung, he said, treats itself as a custodian of user data rather than an owner of it. On top of that sits clinical validation, meaning published, peer-reviewed evidence that a feature actually works in the real world, not just in a lab.

He gave a specific example: Samsung’s ECG and irregular heart rhythm notifications have been clinically validated and cleared by regulators to detect signs of atrial fibrillation. He was careful with the wording there, detect signs of, not diagnose, since that distinction matters both medically and legally.

A separate study on fall detection for elderly users turned up a more human finding. The detection algorithm worked well in testing, but in real life people don’t wear their watches around the clock, and falls don’t happen on a schedule.

Dr. Pak drew a useful comparison: nobody tells their MRI technician they’re going to fidget through the scan, but with a wearable, you don’t get to control how or when someone wears it. Real-world validation has to account for that.

On the infrastructure side, Rohit described a three-layer privacy approach: on-device protection through Samsung’s Knox security framework, GDPR-compliant data handling, and alignment with the European Health Data Space, including a decentralized clinical trial system where patient identity stays with the hospital rather than moving to Samsung’s side.

Where AI actually comes in

The most technically dense part of the discussion came from Otavio Penatti, who leads Samsung’s Health AI R&D team in Brazil.

His team works on foundation models, the same category of large-scale AI models trained on unlabeled data that underpin most of today’s popular AI systems. Trained once on a huge amount of sensor data, these models can then be fine-tuned for many specific health applications, which tends to make them more accurate than models built for a single narrow task.

Penatti’s team is training these models on wearable sensor data (PPG, ECG, accelerometer) with the goal of getting the model to, as he put it, understand the body’s own signals well enough to translate them into something useful. Longer term, he sees potential in correlating that sensor data with clinical records to flag disease risk before symptoms show up.

Dr. Pak added a striking data point from Stanford research: a foundation model trained on sleep study data was able to look at just a 24-hour window of sleep and predict risk across more than 130 different diseases.

His takeaway was that the signals for a lot of future health problems are already sitting in the data being collected today, we just don’t yet know how to read all of them.

He closed this part with a number worth sitting with. A recent American Medical Association survey found that 97% of physicians have looked at wearable data at some point. Only 15 to 16% actually use it in day-to-day practice.

The top reason cited wasn’t distrust of the data, it was that the data doesn’t plug into existing clinical workflows. That’s part of why Samsung acquired health data platform Xealth, to build a pipeline that gets wellness data into the systems doctors already use.

Five years out

Asked to look five years ahead, each panelist’s answer tracked closely to their own corner of the problem. Poriya described a proactive dietitian in your pocket, one that doesn’t wait to be asked.

Rohit pointed to connected care that clinicians actually trust and patients fully control. Penatti envisioned AI that continuously links everyday behavior to clinical outcomes, catching problems before they start. Duffy’s version was a constant personal wellness coach, sifting through the data noise to tell you exactly what to do next.

The throughline across all four answers is the same: less raw data, more action. Samsung’s panel made the case that the wearable industry has spent the last decade solving for collection, more sensors, more metrics, more dashboards, while the harder problem, turning that information into something a tired person actually does on a Tuesday night, has barely been touched.

Whether foundation models and better clinical integration actually close that gap is still an open question. But it’s clearly the one Samsung is choosing to spend its next five years on.

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Inside London’s biggest Samsung experience space

Samsung KX ignited my grandest domestic fantasies

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Stepping into King’s Cross following an invigorating stroll past St. Paul’s Cathedral and a quick ride on the Circle Line shifted my mood into pure aspiration.

London bustled around me, and as I approached Coal Drops Yard, I felt a familiar flutter. I caught myself mentally evaluating my outfit and my posture, filled with a sudden desire for my surroundings to match my grandest domestic fantasies.

I walked forward with genuine admiration, unaware that my destination was Samsung KX, the brand’s 20,000 sq ft. experiential flagship store in the UK.

Stepping inside felt like walking into a cathedral of modern design. Massive glass windows bathed the interior in natural light and offered sweeping views of people strolling outside.

They seemed oblivious to the marvels inside, while I stood frozen, already convincing myself I needed every single item on display.

Between workstations and digital playgrounds

The store layout struck an intentional balance between high performance and everyday living. At the heart of the space stood the Samsung Vision AI displays, arranged as a central living room showcase with striking fixtures. It felt like a high-end Mayfair penthouse.

Watching the Vision AI coordinate the living space, I realized true luxury is complex technology operating so seamlessly I never had to think about how it worked.

Beside it, productivity setups featuring the Galaxy XR showed how modern work could blend into personal space just as gracefully.

Further inside, the latest mobile lineup filled the display tables with the Galaxy Z Fold7, the Galaxy Z Flip7, and a curated set of matching accessories. This was before Samsung officially unveiled the next-generation Galaxy Z Fold8 and Z Flip8.

WATCH: Hands-on: Samsung Galaxy Z Fold8, Flip8, Ultra

Beyond the devices, the space opened into a lively hub with a kitchen bar, an event workshop area, and a Gamer Bus parked near a Mobile Gaming Bus Stop.

Surrounded by tech journalists comparing specs, I realized high-stakes gaming wasn’t exactly my domain. My idea of extreme competition usually involves bidding wars on vintage decor. Still, I could appreciate the craft behind the setups.

Sanctuary for the aesthetic soul

I gravitated toward the far right of the store, where the smart home ecosystem came alive, skipping the productivity workstations behind the central hub without a second thought.

I’m helpless in front of a bespoke living space that looks like it belongs on the cover of Architectural Digest.

Samsung had divided the smart home section into distinct real-world scenarios, each one showing how connected technology could elevate a different corner of a home.

We started in the Smart Kitchen, where the Home Control system was on demo. One press on the panel turned the kitchen into a control room.

The refrigerator screen and the ambient TV both displayed live security feeds from the home CCTV. I envisioned a delightful image of myself entertaining guests while keeping an eye on my front door from the island counter.

Further in, townhouse-style suites brought the vision to life. There’s a multi-room layout with a dining area, and a garage with integrated laundry along with a dedicated AirDresser.

Nearby, a solo living setup demonstrated the Samsung Routine feature. Through SmartThings, it adapts lighting and climate the moment you step through the door.

Where whimsy meets fine art

The highlight of the tour, for me, was a dedicated Moomin zone, showcasing The Frame Pro alongside Samsung’s flagship TVs.

Tove Jansson created the Finnish fairytale trolls in 1945, filling her stories with quiet adventures in Moominvalley. Seeing the illustrations rendered on ultra-high-definition displays made the technology feel closer to gallery art than showroom tech.

 

 

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I stood there imagining how easily I could switch my living room wall from a classical oil painting to a whimsical illustration, depending on my mood. It proved that modern displays can soften a living space instead of overpowering it.

Walking out of Samsung KX, I realized the tour gave me far more than a look at new gadgets. It sparked a real desire to curate a home that feels smart and beautifully tailored to my life.

Experiencing technology through the lens of design and daily comfort makes me want to dream bigger. To build a space where every moment feels simpler and maybe… a little more elegant.

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Hands-on: Samsung Galaxy Z Fold8, Flip8, Ultra

Samsung’s freshest foldables come out of the oven

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Three foldables. Three very different people.

Samsung’s Galaxy Z Fold8 Ultra — the productivity maximizer. Heritage form factor, everything cranked to the max.

The Galaxy Z Flip8, pure style. The smallest, loudest, most you one of the bunch.

And finally, the Samsung Galaxy Z Fold8 — the new beginning.

Built for the way most of us actually use our phones: watching, reading, scrolling. The one I keep reaching for and have a feeling THE Michael Josh will be using a lot.

Same family. Three ways to experience it.

Head over to our hands-on video on the latest and greatest Galaxy Z8 family for you to know your best bet.

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