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Don’t get tricked: Spot these financial monsters before they get you

Ghosts are harmless compared to these real-life threats that prey on your hard-earned money.

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The spooky season has arrived, but not all monsters wear masks. Some hide behind fake links and shady offers designed to trick you into giving up your hard-earned money.

These are the real-life financial monsters: fraudsters, impersonators, and manipulators who turn everyday moments into horror stories.

According to the Cybercrime Investigation and Coordinating Center, 32% of Filipinos have fallen victim to digital fraud in the past year. And while it’s tempting to think you’d never fall for one, scammers are getting smarter and more creative.

Here’s what to watch out for:

Suspicious links and emails.

Those random texts and emails saying “there’s a problem with your account” or “you’ve won a prize”? They’re classic traps.

Scammers disguise themselves as legitimate companies to steal your information or access your accounts. Always double-check the sender’s address. If it looks off, don’t click.

Grammar gone wrong.

If a message is full of weird typos, awkward phrasing, or off punctuation, that’s a red flag.

Reputable companies review every message they send. When in doubt, don’t reply. Report it to authorities like the PNP Anti-Cybercrime Group or the NBI.

Urgent and emotional messages.

Scammers love to pressure you. They’ll make you feel scared or guilty to get you to act fast.

Real companies won’t threaten or rush you into sharing personal info. Take a breath, hang up, and reach out to the official hotline to verify.

Deals that sound too good to be true.

If someone promises instant money or massive discounts, run. These scams often demand “processing fees” or personal info before disappearing. No legitimate prize will ever require payment upfront.

Behind every scam is a story of someone who deserved better. Sometimes, what started as a simple loan application can turn into a nightmare if a rogue online lender decides to harass someone over payments they didn’t even fully receive.

It’s a familiar story for many Filipinos who’ve been preyed on by unregistered or unethical financial services.

Thankfully, more responsible lenders and financial platforms today (Tala, for example) are working to raise awareness and fight back against these threats.

Some even use advanced systems to flag suspicious behavior, partner with authorities for investigations, and educate communities through financial literacy programs.

At the end of the day, awareness is your strongest defense. So this Halloween, stay sharp because protecting your peace (and your money) will always be the sweetest treat.

Apps

Disney+ strengthens footing as go-to sports streaming app with UFC, NBA, more

ESPN on Disney+ brands itself as ‘new home ground for sports’

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Disney+ is strengthening its footing as a go-to sports streaming app as ESPN on Disney+ is now available in the Philippines, one of its markets with a huge sports-loving fanbase.

The launch coincides with a brand new campaign, “Ito ang Homecourt Mo!” (This is your homecourt!), welcoming Filipino fans to a new home ground for games, stories, and moments.

Subscribers can access live events, on-demand replays, studio shows, documentaries and original programming together in one dedicated destination through ESPN on Disney+.

Production and coverage will be led by ESPN, delivering high-quality broadcasts, commentary and expert analysis across the sports season where available, alongside Disney+ general entertainment and family programming.

Following last season’s success, NBA returns to ESPN on Disney+ with matchups during NBA Tip-Off Week.

Christmas Day games will also be available to stream, including the NBA Finals rematch between the New York Knicks and San Antonio Spurs and the Philadelphia 76ers versus the Los Angeles Lakers.

Playoff games through the conference finals shall also be streamed live and on demand.

Meanwhile, the UFC is among some of the new regular sports programs Filipinos can watch on Disney+.

The action kicks off at UFC 333 in Abu Dhabi scheduled on October 25, where two world championship titles are expected to be on the line: UFC featherweight champion Alexander Volkanovski takes on undefeated No. 1-ranked contender Movsar Evloev, and UFC bantamweight champion Petr Yan defends against former champion and No. 1-ranked Merab Dvalishvili.

Alongside live UFC numbered events and UFC Fight Nights, fans will have access to a library of classic fights and curated UFC content.

There will also be the original and and behind-the-scenes programming, including UFC Countdown, UFC Connected, UFC Main Event, UFC Fight Flashback, UFC Reloaded, and ROAD TO UFC.

A new home ground for sports

Other notable sports programming will include the Formula E 2026/27 season, with practice, qualifying and main races across 21 rounds in 13 host cities.

Also available on Disney+ are NCAA events, including March Madness, and Australia’s National Basketball League (NBL), with all games live across the regular season and championship series.

ESPN’s popular 30 for 30 documentaries will continue to be available on the platform. The line-up also features ESPN studio shows, including ESPN FC and Pardon the Interruption.

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GrabCar Group Ride now splits the fare automatically

Passengers stand to save up to 50% compared with booking a solo ride

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GrabCar Group Ride now splits the fare automatically among passengers, making it simpler to book such ride types.

Each rider can save up to 50% on fare as well when using a group ride, compared with booking a solo ride.

The ride type lets the ride host and up to two friends share one GrabCar, with up to three drop-off points along the way. The more people join, the more affordable the ride becomes for everyone.

Regular ride buddies can also be saved as a group, together with frequent pickup and drop-off pins. This way, repeat bookings take just a few taps.

Such a system is ideal for officemates headed the same way or friends coming home from a night out, as well as plenty of other scenarios.

To book a Group Ride, follow these steps:

  • Open the Grab app, tap GrabCar, then select Group Ride
  • Enter your pickup point and drop-off
  • Share the invite link with up to two friends
  • Your friends can add their own drop-off points
  • Confirm the booking to split the fare automatically

The GrabCar Group Ride feature is now available in all GrabCar cities nationwide.

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Google Photos can now censor your kid’s face better

The new Redact feature can censor sensitive information.

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Censoring photos is heavy work. Either you stick on random emojis or draw an indiscriminate splotch of doodles to cover sensitive information. It’s an imperfect art but an essential one to protect privacy. Today, Google Photos is getting a Redact feature which can censor sensitive bits with pixelated blocks.

An addition to the Markup tool, Redact acts like a nifty pen that can hide information that you don’t want seen. Unlike a ghastly emoji or a splotch, the censored bar mixes better with the surrounding elements. In the example that Google used, a censored license plate blends well with the car it’s attached to, making the photo look more cohesive. Besides license plates, it’s the perfect tool for covering other information like phone numbers, addresses, and the faces of your loved ones.

Google Photos is also rolling out Moods, a set of filters that give photos a nostalgic look, including a 2000s night digicam vibe that’s popular today. There are also 15 new Remix templates to add more creation options.

Both the Redact and the Moods features will roll out to Android users starting today. The new Remix templates, however, will be limited to some countries on both Android and iOS.

SEE ALSO: Google will force Android users to use Gemini next month

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