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How the Bright Barkada of Sun Life can inspire you to level up your financial game

Let’s face it—adulting is tough. You’ve got dreams to chase, goals to crush, and a future to plan, but there’s one thing that can make everything feel a bit overwhelming: money. You’ve probably heard a lot about financial literacy, maybe even tried to figure out how to budget or save, but where do you even start? The good news is that you’re not alone in this journey. Meet the Bright Barkada—a group of five Gen Z content creators who are here to show you that getting your finances in order can be empowering, fun, and yes, totally doable.

Sun Life Philippines recently introduced the Bright Barkada to inspire people like you to take control of your finances and make smarter money decisions. The group, made up of Dan Yotoko, Elize Mariano, John “JD” Deseo, Cess Tan, and Migo Austria, is on a mission to show how financial literacy helps you live a brighter life. They’re real-life friends who are chasing their dreams while supporting each other—and now they’re inviting you to join them in learning how to turn those dreams into reality, with a little help from some solid financial planning.

So, how can you follow in their footsteps? Here are five important tips you can pick up from the Bright Barkada:

1. Financial Literacy is Key to Adulting

Whether you like it or not, adulting comes with responsibilities—managing your money is one of the biggest. It might seem scary at first, but learning how to handle your finances early on will give you more control over your future. That’s exactly what the Bright Barkada is here to prove. They’re just like you—figuring things out as they go, but with a focus on making better financial decisions.

If you’re feeling overwhelmed, start small. Think of financial literacy as a toolkit that will help you achieve what you’ve always dreamed of, whether it’s starting a business, traveling the world, or just having a stable future. Every little step you take now will count in the long run.

2. Learn From Real-Life Experiences

Dan Yotoko, known as the “Active Runner,” has built his platform by sharing #RealTalkSaglit moments on TikTok, where he opens up about the life lessons he’s learned from his own experiences. And one of the biggest lessons? Managing money is part of building the life you want.

Dan’s story is a great reminder that it’s okay to make mistakes—what’s important is that you learn from them. Maybe you’ve overspent before or struggled with budgeting, but that doesn’t mean you can’t bounce back and improve. Every financial experience, good or bad, teaches you something valuable.

3. Passion Meets Smart Financial Planning

You don’t have to give up what you love to be financially smart. Look at Elize Mariano, the group’s “Beauty Guru,” and Cess Tan, the “Fashionista.” They’re passionate about beauty and fashion, but they know that in order to sustain their passions, they need to be financially savvy. Whether you’re into skincare, makeup, fashion, or any other hobby, you can find ways to balance it with your financial goals.

The trick is to budget for the things you love while still planning for your future. By prioritizing your spending and setting aside money for what matters most, you can enjoy your passions without putting your financial health at risk.

4. Support Systems Make a Difference

One of the best things about the Bright Barkada is how they support each other in their financial journeys. When you surround yourself with people who are also focused on financial literacy, you stay motivated to stick to your own goals.

Migo Austria, “The Smart One,” knows this well. He recently graduated with Latin honors and plans to pursue law—ambitious goals that require both focus and careful planning. With friends like the Bright Barkada cheering him on, Migo is proving that big dreams are achievable with the right mindset and a solid financial plan.

You don’t have to figure out everything on your own. Lean on your friends, family, or even online communities to share tips, advice, and support.

5. It’s Never Too Early to Start

One thing the Bright Barkada wants you to know is that it’s never too early to start learning about financial planning. Whether you’re still in school or just starting your career, the time to start thinking about your finances is now. The earlier you begin, the more prepared you’ll be to handle whatever life throws your way.

Sun Life Philippines has teamed up with the Bright Barkada to show you how financial literacy can help you live life to the fullest. They’ve even launched a video podcast called “Adulting with the Bright Barkada” where they dive deep into their experiences with money and adulting. It’s packed with practical tips, relatable stories, and real talk on how they manage their finances while chasing their dreams.

You can watch the first episode on Sun Life’s official Facebook page and YouTube channel through this link: www.sunlife.co/BrightBarkadaPodcast.

Financial Freedom Is in Your Hands

As Sun Life Philippines Chief Client Experience and Marketing Officer Carla Gonzalez-Chong puts it, “We’re glad to have the Bright Barkada as allies in our financial literacy advocacy. We hope that through the content they will create, today’s generation will be inspired to build bright money habits, learn more about financial solutions, and secure their future.”

So, what are you waiting for? Take the first step toward financial freedom today. Follow @SunLifePH on Facebook, YouTube, and TikTok to stay updated on the latest financial tips and tricks from the Bright Barkada. And if you’re ready to dive deeper, check out Sun Life’s products and services at www.sunlife.co/GettingStarted.

Remember, your future is bright—and with a little financial planning, you can make it even brighter.

Details provided in a recent press release.

How credit cards can support families in managing finances

From time to time, your family face many financial challenges. From managing monthly expenses to dealing with unexpected costs, keeping your finances in order can be tough. But with the right tools, like a credit card, you can make managing your family’s finances easier, more efficient, and even more rewarding.

Financial Challenges Faced by Families

The rising cost of living is one of the biggest challenges for families today. Groceries, education, healthcare, and housing expenses continue to increase, putting pressure on your budget. At the same time, unexpected expenses, like medical bills, home repairs, or car maintenance, can throw your financial plans off course. Balancing multiple financial priorities—such as saving for your children’s education, paying off debt, and planning for vacations or emergencies—requires careful planning and flexibility.

How Credit Cards Can Help Families

Credit cards can be valuable tools in helping you manage these financial challenges.

Cash Flow Management: Credit cards provide immediate access to funds, which can be a lifesaver when you face unexpected expenses or when cash is tight. You can cover necessary costs without dipping into your savings, and then pay off the balance over time.
Budgeting and Expense Tracking: Using a credit card can help you keep track of your spending. Most credit card statements provide detailed records of your transactions, making it easier to see where your money is going and helping you create a more accurate budget.
Rewards and Discounts: Many credit cards offer rewards, cashback, or access to exclusive discounts. By using your credit card for everyday purchases, you can earn points or receive discounts that help you save money over time. This can be particularly beneficial for families trying to stretch their budget.
Building Credit for the Family’s Future: Responsible use of a credit card helps you build a strong credit history. A good credit score can make it easier to qualify for loans, mortgages, or financing for major purchases in the future—important milestones for your family.

Tips for Using Credit Cards Wisely as a Family

To make the most of your credit card, it’s important to use it wisely.

Set a Budget and Stick to It: Before using your credit card, create a budget that includes your expected expenses and your ability to pay off the balance each month. Sticking to this budget will help you avoid accumulating debt.
Use Rewards Strategically: Choose a credit card that offers rewards or discounts that align with your family’s spending habits. For example, if you spend a lot on groceries or fuel, look for a card that offers cashback or points in those categories.
Pay On Time: Always pay at least the minimum balance on your credit card by the due date. Late payments can result in interest charges and can hurt your credit score, so it’s essential to stay on top of your payments.
Consider Supplementary Cards: If you want to share credit card access with family members, consider using supplementary cards. This allows you to monitor their spending while helping them build their own credit history.

Why Choose a UnionBank Credit Card for Your Family

UnionBank offers a range of credit cards designed to meet the needs of families. Here are five key benefits that can make a difference in your financial management:

In-House Installment: Its installment feature allows you to convert large expenses, like medical bills or tuition fees, into fixed monthly payments. This helps ease the financial burden by spreading the cost over time.
Exclusive Discounts: With a UnionBank credit card, you can enjoy discounts at restaurants, shopping outlets, and leisure activities nationwide. These savings can help you reduce everyday expenses and make family outings more affordable.
Flexible Monthly Payment: UnionBank offers flexible payment options, allowing you to pay as little as 4% of your total outstanding balance or P400, whichever is higher. This flexibility can help you manage your payments without straining your budget.
Supplementary Cards: You can share your credit card access with family members who are at least 14 years old. This feature makes it easier to manage family expenses while giving your children the opportunity to build credit responsibly.
Credit Insurance: UnionBank offers credit insurance to protect your family from financial burdens. In case of unforeseen events, your outstanding balance can be covered, giving you peace of mind.

Credit cards can be powerful tools for families, helping you manage finances, handle unexpected expenses, and enjoy rewards. When used responsibly, a credit card can make life easier and more financially secure for your family.

If you’re looking for a credit card that offers flexibility, savings, and security, consider applying for a UnionBank credit card. With many family-friendly features like in-house installment plans, exclusive discounts, flexible payments, supplementary cards, and credit insurance, UnionBank provides the support you need to navigate your family’s financial challenges with confidence. Apply today and take the first step towards better financial management for your family.

Header photo by Lifestylememory on Freepik

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Our Power, Our Planet: Earth Day 2025 Calls for a Renewable Energy Revolution

As Earth Day 2025 approaches, it’s not just another day to celebrate our planet. This year, it’s a rallying cry for a global shift to renewable energy. EARTHDAY.ORG (EDO), the driving force behind Earth Day, has announced the theme for its 55th anniversary: “Our Power, Our Planet.” The theme is more than just a slogan; it’s a call to action for all of us to embrace renewable energy and work towards tripling global clean electricity generation by 2030.

Why This Theme Matters

For years, many of us were led to believe that fossil fuels were the only way to power our lives. But as Denis Hayes, the organizer of the very first Earth Day in 1970 and Board Chair Emeritus of EARTHDAY.ORG, puts it, “For years we have been fed the lie that only fossil fuels can power the planet. That is not true. By the 2030s, the largest source of electricity generation on the planet will be solar power.”

Renewable energy comes from sources like the sun, wind, and water—sources that are not only abundant but also clean. Unlike fossil fuels, renewable energy doesn’t produce the greenhouse gases that drive climate change or the pollution that harms our health. This shift isn’t just about the environment; it’s about creating a healthier, more sustainable future for everyone.

A Global Movement Gains Momentum

The numbers tell a powerful story. In the first six months of 2023, renewable energy made up 25% of the electricity generated in the United States. And this is just the beginning. Experts predict that by 2035, countries like the U.S. could meet their energy needs 365 days a year using only renewable sources.

Globally, many countries are already leading the way. Forty-nine nations generate more than half of their electricity from renewable sources. Countries like Canada, Brazil, Norway, and Sweden are shining examples. Iceland, in particular, stands out, with a staggering 99.99% of its electricity coming from renewable energy.

This progress is encouraging, but we need to accelerate it. EDO’s theme for Earth Day 2025 calls for the global generation of renewable energy to be tripled by 2030. It’s a big goal, but it’s achievable if we all play our part.

The Power of People

Kathleen Rogers, President of EARTHDAY.ORG, believes in the power of grassroots movements to drive change. “We need people power to support the big switch to renewable energy,” she says. “We encourage everyone to talk to your local mayor, boss, neighbors, community leaders, and local and national legislators, to explore and to champion switching to renewables.”

The history of Earth Day shows us just how powerful collective action can be. The first Earth Day in 1970 saw 20 million people take to the streets, sparking the modern environmental movement and leading to cleaner air, water, and wildlife protections. Today, we have the chance to create another wave of change by advocating for renewable energy.

A Humanitarian Revolution

Switching to renewable energy isn’t just an environmental issue; it’s a humanitarian one. Around 3.8 billion people don’t reach the Modern Energy Minimum (MEM), meaning their per capita electricity usage is under 1,000 kilowatt-hours (kWh)—a threshold that’s essential for lifting people out of poverty. Renewable energy has the potential to transform this situation, improving living standards and enhancing health outcomes worldwide.

As Aidan Charron, Associate Director of Global Earth Day, explains, “Switching to renewables also represents a humanitarian revolution—for the first time in human history, we have a path to provide virtually unlimited, low-cost energy for everyone, improving the lives of billions of people around the world.”

The health benefits of renewable energy are also significant. Cutting greenhouse gas emissions reduces the risks associated with climate change, such as heatwaves, floods, and the spread of infectious diseases. Reduced air pollution means fewer respiratory and cardiovascular diseases, including asthma and strokes.

Economic Opportunities Abound

Beyond the environmental and health benefits, renewable energy presents a huge economic opportunity. In 2023, the global renewable energy market was worth $1.21 trillion, and it’s projected to grow by 17.2% annually from 2024 to 2030. This growth is expected to create 14 million new jobs worldwide.

“This presents an enormous opportunity for entrepreneurs, industries, and those seeking well-paying careers,” says Tom Cosgrove, Chief Creative and Content Officer at EARTHDAY.ORG. However, he acknowledges that the path forward won’t be without challenges. “We acknowledge that our enthusiasm for clean energy faces challenges from well-funded misinformation campaigns—but by championing renewable energy in 2025, we can meet that challenge head on.”

Time for Action

Change can be daunting, but it’s necessary. “We must move away from our dependence on fossil fuels and embrace a sustainable future,” says Kathleen Rogers. And Earth Day 2025 offers the perfect opportunity to do just that. Whether it’s installing solar panels on your roof, advocating for green policies in your community, or simply making more informed energy choices, every action counts.

Let’s make 2025 a year of real change—a year when we harness the power of our planet to create a sustainable, healthy, and prosperous future for all. Join the movement, and together, let’s make Earth Day 2025 one for the history books.

For more information on Earth Day 2025 and renewable energy, click here.

Details provided in a recent press release.

Header image by freepik

Financial preparation for pet owners: How pet insurance can help

Owning a pet is a joyful experience, but it also comes with financial responsibilities. From routine check-ups to unexpected emergencies, veterinary bills can add up quickly. For many pet owners, these costs can be a source of stress, especially when faced with the difficult decision of how to care for their furry companions on a budget. This is where financial preparation becomes key, and pet insurance offers a practical solution.

Why Pet Insurance Matters

Pet insurance is a way for owners to protect both their pets’ health and their wallets. By covering a range of medical expenses, it allows pet owners to make decisions based on what’s best for their pet, rather than worrying about the cost. Angelo Antonio “AA” Buendia, CEO and President of Advanced Abilities, the company behind Policymate, emphasized the importance of this financial safety net.

“Pet cats and dogs are more than just furry companions; they are cherished members of our families. We at Policymate believe that providing them with comprehensive insurance is one of the best ways to ensure another layer of support and protection without financial stress for when pets fall ill, meet accidents, or need wellness visits,” said Buendia.

In essence, pet insurance shifts the focus from financial concerns to proactive and preventative care. It gives pet owners the peace of mind that they can afford the best possible care for their pets, regardless of what life throws their way.

Comprehensive Coverage with Liberty MePets

The first comprehensive pet insurance available through Policymate is MePets by Liberty Insurance. This plan offers a range of benefits designed to address the various health needs of pets while reducing the financial burden on owners.

Here’s what Liberty MePets covers:

Medical Reimbursements: This includes coverage for common diseases like Lyme Disease, Distemper, Rabies, and Parvovirus, as well as accidental injuries and poisoning. Whether it’s an unexpected illness or an accident, MePets helps cover the costs.
Accidental Death and Disablement: If the worst happens, such as a severe accident involving your pet, this coverage provides financial support to help you cope with the aftermath.
Additional Coverage: MePets also offers financial assistance with burial expenses and even coverage for missing pets for up to 90 days, helping owners during challenging times.

Liberty MePets works with a network of veterinarians across the country, making it easy for pet owners to find trusted providers. Additionally, the plan is flexible, allowing owners to tailor the coverage to their specific needs and budget. This adaptability ensures that pet insurance can be both comprehensive and affordable.

Coverage Beyond Pets’ Health

Liberty MePets doesn’t just cover the health of your pet—it also provides protection for the pet owner. In cases where an owner is bitten or severely scratched by their pet, the policy includes coverage for necessary medical treatment and medications. It even offers financial assistance in cases of accidental death or disablement caused by the pet.

Moreover, MePets allows policyholders to upgrade their coverage to include third-party liability. This can be a lifesaver in situations where your pet causes property damage or injures someone else. With this added layer of protection, pet owners can feel more secure, knowing they’re covered in a variety of scenarios.

Is Pet Insurance Right for You?

Deciding whether to invest in pet insurance depends on several factors. Consider your pet’s age, breed, and overall health. Some breeds are more prone to certain health issues, making insurance a worthwhile investment. Additionally, think about your financial situation. While pet insurance does require an upfront cost, it can save you a significant amount in the long run by covering expensive vet bills.

For pet owners who want to be financially prepared for whatever comes their way, pet insurance is a smart choice. It’s about being proactive and ensuring that you’re able to give your pet the best care possible, without worrying about the financial impact.

Proactive Steps for Pet Owners

Taking proactive steps in protecting both your pet’s health and your finances is essential. With pet insurance, you can be better prepared for unexpected events and avoid the stress of sudden, costly vet bills.

As Angelo Antonio “AA” Buendia puts it, “We hope that in our effort to provide robust coverage options that cater to the diverse needs of pet owners, we can help foster healthier, and happier pets and more responsible pet ownership.”

In the end, pet insurance isn’t just about covering costs—it’s about ensuring peace of mind for both you and your beloved pet. By planning ahead and investing in the right coverage, you can focus on what truly matters: keeping your pet healthy and happy.

Policymate also provides options for Travel Insurance, Accident Insurance, Property Insurance, and Automobile insurance. For more information, visit Policymate’s official website and Facebook page.

Details provided in a recent press release.

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Holiday Inn Manila Galleria: Your freshly transformed holiday staycation destination

As the holiday season approaches, there’s no better time to treat yourself to a luxurious staycation or a family getaway. Holiday Inn Manila Galleria, with its newly transformed spaces, promises an unforgettable experience right in the heart of Ortigas. With its recent “360-Degree Experience” event, the hotel has showcased a fresh and revitalized look that perfectly blends comfort, style, and sophistication—making it the ideal destination for travelers this holiday season.

A 360-Degree Journey of Immersive Hospitality

Holiday Inn Manila Galleria recently rolled out the red carpet for its top corporate clients and media partners during the exclusive “Experience Holiday Inn Manila Galleria 360-Degrees” event. The hotel invited guests to embark on a curated journey through its renovated spaces, offering them a taste of the revamped accommodations that are now available to holidaymakers and business travelers alike.

Holiday Inn Manila Galleria Summit Lounge

From the moment guests arrived, they were guided through an immersive experience across the hotel’s five premier accommodations which include the Premier Room, the One-Bedroom Suite, Two-Bedroom Suite and Penthouse Suite, and concluded at the exclusive Summit Lounge. Each stop provided a glimpse of the hotel’s commitment to luxury and comfort.

In-Room Dining, Holiday Inn Manila Galleria

Along the way, guests enjoyed a multi-sensory experience, savoring specialty dishes prepared by the hotel’s esteemed culinary team. The journey was made even more exciting with raffle draws at each stop, offering participants the chance to win fabulous prizes. The event culminated at the Summit Lounge, an elegant space offering panoramic views of the city, where grand prizes, including a Cebu Pacific airline ticket to Singapore and a luxurious stay at Voco Orchard Singapore, were awarded.

A New Look for a New Era

More than just a facelift, the transformation of Holiday Inn Manila Galleria is a bold step into a new era of hospitality. The hotel’s suites and lounges have been carefully redesigned to meet the evolving needs of modern travelers. Patria Puyat, Cluster General Manager of Holiday Inn Manila Galleria and Crowne Plaza Manila Galleria, expressed her enthusiasm for the new offerings, stating, “Our newly renovated suites and lounges are designed to meet the evolving needs of our guests. Whether for business or leisure, we are ready to deliver unparalleled experiences that extend beyond our property.”

From the chic, modern decor to the thoughtful amenities that cater to both relaxation and productivity, every aspect of the hotel’s renovation has been meticulously planned. The refreshed rooms provide a haven of tranquility in the bustling city, making them the perfect retreat for both business travelers and holidaymakers.

Why Holiday Inn Manila Galleria is the Perfect Holiday Destination

Conveniently located in the heart of Ortigas Center and directly connected to Robinsons Galleria shopping mall, Holiday Inn Manila Galleria offers unmatched convenience for those looking to combine business, leisure, and holiday shopping. Its strategic location places guests within easy reach of major business hubs, entertainment options, and cultural attractions.

The hotel’s amenities are tailored to a wide range of guests, from families seeking a fun and relaxing holiday to professionals on the go. Complimentary Wi-Fi, a 24/7 fitness center, and an outdoor pool ensure that all guests, regardless of their needs, have access to the comforts and conveniences that make a stay truly enjoyable.

For those looking to unwind in style, the Summit Lounge, with its panoramic views of the city, is an ideal spot to relax and soak in the festive atmosphere of the holiday season. Whether you’re celebrating with loved ones or simply indulging in some well-deserved downtime, Holiday Inn Manila Galleria offers the perfect setting.

Book Your Stay and Enjoy Exclusive Discounts

Now is the perfect time to experience the newly transformed Holiday Inn Manila Galleria. Plus, you can enjoy a 15% discount on the best available rates by using my code IKOTHGEL when making your reservation. This offer is valid until December 31, 2024.

To book your stay, call +63287909400 or email higm.reservations@ihg.com. Don’t miss the chance to create unforgettable memories this holiday season at one of Manila’s premier destinations.

Holiday Inn Manila Galleria has redefined itself as a top choice for travelers seeking luxury, convenience, and a touch of holiday magic. With its recent transformation, the hotel is ready to offer guests unparalleled experiences that will make this holiday season truly special. Be sure to follow Holiday Inn Manila Galleria on Facebook and Instagram for more updates and upcoming events, and secure your stay today for a holiday to remember!

Details provided in a recent press release.

Start building credit today: Credit cards for young adults

As a young adult, you’re likely starting to take on more financial responsibilities, whether it’s landing your first job, moving into your own place, or planning for the future. One of the most important steps you can take for your financial well-being is building a good credit history. Using a credit card wisely is a key strategy to establish and grow your credit, setting you up for financial success.

The Importance of Good Credit History

Your credit history is a record of how you’ve managed debt and repaid loans over time. It’s a critical factor that lenders, landlords, and even employers consider when making decisions about you. A good credit history opens doors to better financial opportunities, such as lower interest rates on loans, favorable mortgage terms, and even higher chances of getting approved for rental applications or job positions.

Having a strong credit score means you’ll pay less in interest when borrowing money, which can save you thousands of pesos over your lifetime. It also gives you access to better financial products, such as premium credit cards or loans with favorable terms. By building good credit now, you’re laying a solid foundation for long-term financial health and stability.

How Credit Cards Can Help Build Credit

Credit cards are one of the most effective tools for building credit, but they must be used responsibly. When you use a credit card, you start to establish a credit history, which shows lenders how well you manage credit. The key is to use your credit card in a way that demonstrates financial responsibility.

One important aspect to consider is credit utilization. This refers to how much of your available credit you’re using. Keeping your credit utilization low—ideally below 30% of your credit limit—can positively impact your credit score. Additionally, making all your payments on time is crucial. Even one late payment can negatively affect your credit score, so it’s important to stay on top of due dates.

Over time, responsible use of a credit card, such as paying off your balance in full each month and keeping your credit utilization low, will build a positive credit profile. This positive profile will reflect in a strong credit score, making it easier for you to access credit in the future when you need it.

Why Choose a UnionBank Credit Card

UnionBank offers a range of credit cards that can help you build your credit while providing valuable benefits. Here’s why a UnionBank credit card might be the right choice for you:

In-House Installment: Convert large purchases or cash advances into fixed monthly installments. This feature makes it easier to manage your budget and avoid high-interest debt.
Longer Credit Terms: Enjoy up to 53 days of interest-free credit if you pay your full balance by the due date. This extended period gives you the flexibility to manage your finances effectively.
Exclusive Discounts: Take advantage of discounts and perks at restaurants, shopping outlets, and service providers nationwide. These savings can add up, making everyday expenses more affordable.
Credit Card Security & Protection: UnionBank offers strong security features to protect your transactions and personal information, giving you peace of mind as you build your credit.
24-Hour Customer Service: Access assistance whenever you need it, even on weekends and holidays. UnionBank’s 24-hour customer service ensures that help is always available.

Using credit cards responsibly is a powerful way to build and maintain a good credit history. As a young adult, starting now will give you a head start on achieving financial stability and accessing better financial opportunities in the future.

If you’re ready to start building your credit, consider applying for a UnionBank credit card. With features like in-house installment plans, longer credit terms, exclusive discounts, robust security, and 24-hour customer service, UnionBank offers the tools and support you need to manage your credit effectively and confidently. Take the first step toward a strong financial future by applying for a UnionBank credit card today.

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Vista Land tops off second vertical development in the City of Pines

Vista Land, the Philippines leading integrated property developer, proudly announces the topping-off of its second residential development in Baguio City, Pinehill.

During the ceremony, Teresa Tumbaga, Division Head of Vista Land High-Rise Development, expressed her enthusiasm about the vertical community in one of the country’s most scenic locales. “As we go through the final construction stages of Pinehill, we are delighted to offer future residents modern living amid the stunning landscapes and refreshing climate for which the City of Pines is renowned for,” she stated.

TOPPING OFF CEREMONY — Flanked by Vista Land officers, High Rise Developments Division Heads Teresa Tumbaga and Margarita Romero (center), led the ceremonial concrete pouring at Pinehill Baguio

Baguio City : Summer Capital of the Philippines

After going up the undulating roads that separate La Union from Benguet, the palpable chill and setting fog herald a city high up the mountains. The striking contrast of urban structures upon the landscape of Cordillera range is eased by the age-old allure of the location, while the distinct scent of pines fills the air.

Once a hill station for American soldiers and civil workers, Baguio City has developed into a highly urbanized city 250 kilometers north of Manila, with people from all over the region converging here for trade, tourism, and education.

VISTAS — Living in Pinehill Baguio means waking up to breathtaking vistas.

Other than its cool climate, Baguio’s crowning glory is its rich culture deeply rooted in nature. From Benguet pine trees that span its panoramic views, the Panagbenga Festival celebrated every February, to the reverence accorded to the Igorot way of life, every fabric of Baguio is intricately woven into its tapestry of harmony and symbiosis.

The interconnectedness between people and their environment is especially considered in Hill Series, built in key locations within Baguio City. Three mid-rise condominiums are tucked behind scenic roads, blanketed by the chilly mist Baguio City is known for.

Swift and Convenient Expressways to Reach the City of Pines

The presence of road networks has considerably reduced travel time from Manila to Baguio to three hours. Travelers usually take NLEX (North Luzon Express Way) and proceed to SCTEX (Subic-Clark-Tarlac Expressway) via Exit 85, continuing their drive through TPLEX (Tarlac-Pangasinan-La Union Expressway) until the Rosario, La Union exit. From here, travelers have a choice between the winding paths of Kennon Road or the alternative route via Marcos Highway.

JOGGING — Jog amidst towering pine trees and the chilly mist Baguio City is known for.

Vista Land’s Hill Series blends nature and culture in Baguio City

Brenthill Baguio, the foremost development, is located on Yangco Road, fronting Brent International School. A 10-storey ready-for-occupancy property, Brenthill has various views of the city, from the metroscape to the mountainside.

Rising 12 storeys along Outlook Drive is Pinehill Baguio, offering a low-density spread of condominiums that overlook the verdant slopes east of Burnham Park while Canyon Hill along Pacdal Road, is a nine-storey development near Baguio Botanical Garden.

PINEHILL LOBBY — The high ceiling of Pinehill Baguio’s spacious lobby welcomes residents and visitors on the ground level.

Designed after cabin-style homes, the Hill Series are modern sanctuaries that provide retreat from the chatter of the urban and incorporate convenient amenities. The vertical communities lay out an array of studio, one-, and two-bedroom units replete with balconies, and facilities that include gyms, saunas, and game rooms. Spacious lobbies welcome residents and guests on the ground level, including the lounge areas and garden decks on the higher floors. The developments are tied together by commercial spaces on the first floor that cater to the needs of their residents.

With young professionals, starting families, settling retirees, and students of the Educational Hub of the North in mind, security features are added in these developments such as round-the-clock security, parking floors, and property management and building systems.

To find out more about Vista Land vertical communities, visit www.vistaresidences.com.ph, follow @VistaResidencesOfficial, or get in touch at (0999) 886 4262 and (0917) 582 5167.

How credit cards can serve as lifelines for small business owners

Running a small business comes with a unique set of financial challenges. Whether it’s managing cash flow, dealing with unexpected expenses, or facing difficulties in securing traditional financing, entrepreneurs often find themselves navigating uncertain waters. In these situations, credit cards can serve as lifelines, providing much-needed financial flexibility to keep your business on track.

The Financial Challenges Entrepreneurs Face

One of the most common challenges for entrepreneurs is managing cash flow. Revenue can be inconsistent, making it difficult to cover day-to-day expenses, pay suppliers, or invest in growth opportunities. Even a brief dip in income can cause significant strain on your business operations.

Unexpected expenses are another reality of entrepreneurship. Equipment may break down, inventory might run low at the worst possible time, or you could face an emergency situation that demands immediate financial attention. These unforeseen costs can disrupt your budget and hinder your progress.

Moreover, gaining access to traditional financing, such as bank loans, can be particularly challenging for small business owners. Without a strong credit history or collateral, you may find it difficult to secure the funds you need, especially during the early stages of your business.

How Credit Cards Can Help

Credit cards offer several benefits that can help you navigate these financial challenges. First and foremost, they provide access to immediate funds. Whether you need to purchase inventory, pay for marketing campaigns, or handle unexpected expenses, a credit card can be a quick and convenient way to cover these costs without waiting for loan approval.

Using a credit card responsibly can also help you build your business credit. Over time, a strong credit history can make it easier to secure larger financing options, such as business loans, that can further support your growth.

Credit cards also offer flexibility in managing your business expenses. You can track your spending, separate your personal and business finances, and use online tools to manage your budget more effectively. This level of control is crucial for making informed financial decisions and maintaining the health of your business.

How You Might Use a Credit Card for Your Business

Imagine a situation where you need to make a large purchase, such as new equipment or a bulk order of inventory. By using your credit card’s installment feature, you could convert this large expense into manageable monthly payments. This would allow you to invest in your business without putting undue strain on your cash flow.

Another scenario might involve taking advantage of discounts and rewards. For instance, you could use your credit card to purchase supplies from a vendor that offers exclusive discounts. Over time, these savings could significantly boost your bottom line, especially if you frequently make large purchases.

UnionBank Credit Cards for Entrepreneurs

UnionBank offers a range of credit cards designed to meet the specific needs of entrepreneurs like you. Here are some key benefits that could help you manage your business more effectively:

In-House Installment. If you need to make a significant purchase, you can convert your transactions into fixed monthly installments. This feature can help you manage large expenses without disrupting your budget.
Longer Credit Terms. You can enjoy up to 53 days of credit at 0% interest if you pay your full balance by the due date. This extended period gives you the flexibility to manage your cash flow more effectively.
Exclusive Discounts. You can take advantage of discounts, perks, and freebies at a wide range of establishments. These savings can add up, especially when making regular business-related purchases.
Worldwide Acceptance. Your UnionBank Visa or Mastercard credit card is accepted at over a million establishments worldwide. This is particularly beneficial if you do business internationally or frequently travel for work.
Credit Card Security & Protection. UnionBank provides robust security features to help you keep your transactions and personal information safe. This protection is essential in today’s digital age, where cybersecurity is a growing concern.

Credit cards can be powerful tools for entrepreneurs, offering the financial flexibility, security, and convenience needed to overcome challenges and seize opportunities. If you’re looking for a credit card that can support your business, consider exploring UnionBank’s options.

Don’t let financial challenges hold your business back. Apply for a UnionBank credit card today and start enjoying the benefits that can help you achieve your business goals with confidence.

This post contains referral links.

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A Balanced Approach to Health: Why Good Nutrition Needs Financial Preparedness

Good nutrition is often seen as the cornerstone of a healthy lifestyle, but it’s only part of the equation. While eating well is crucial, it’s not enough to fully safeguard your health. In the Philippines, where chronic diseases are on the rise and healthcare costs are a burden for many, financial preparedness is just as important as maintaining a balanced diet.

The Growing Nutrition Challenge in the Philippines

The Philippines is facing a significant health crisis driven by poor nutrition. Chronic diseases like diabetes, heart disease, and anemia are common, and their prevalence is growing. Recent data from the National Nutrition Survey reveals that the number of overweight and obese adults has surged over the past decade. This increase in obesity, along with diet-related deaths, highlights the urgent need for improved nutrition and healthcare strategies.

The consequences of poor nutrition extend beyond individual health. They affect families, communities, and the economy as a whole. As more Filipinos suffer from chronic diseases, the strain on healthcare systems intensifies, leading to higher medical costs and lost productivity.

Beyond Nutrition: The Role of Financial Preparedness in Health

While eating well is essential, it’s not enough to protect your health fully. Financial preparedness plays a critical role in ensuring that you can access the healthcare services you need when you need them. According to the World Health Organization (WHO), the poorest Filipinos spend a staggering 75% of their health expenses out-of-pocket, while the wealthiest spend 58% on medicine alone. These numbers paint a clear picture: without adequate financial resources, many Filipinos are unable to afford the care required to prevent or manage chronic diseases.

This financial burden can lead to a vicious cycle where health issues worsen due to delayed or skipped treatments, further straining an already tight budget. The stress of financial insecurity can also contribute to poor health, creating a scenario where even the best nutritional habits may not be enough to maintain overall wellbeing.

A Holistic Approach to Health and Wellbeing

To achieve true health and wellbeing, Filipinos need a holistic approach that combines good nutrition with financial preparedness. This is where health insurance plays a vital role. Health insurance not only provides financial protection but also ensures timely access to healthcare services, allowing individuals to focus on prevention and early treatment rather than dealing with the consequences of untreated illnesses.

Sun Life Grepa Financial, Inc. (Sun Life Grepa) is one company committed to helping Filipinos achieve this balance. By offering a range of health insurance plans tailored to meet diverse needs, Sun Life Grepa supports individuals in their journey towards better health and financial security.

Sun Life Grepa’s Health Insurance Plans: A Closer Look

Sun Life Grepa offers several health insurance plans designed to address different health needs and life stages:

Sun Grepa Fit and Well: This comprehensive life and health protection plan provides financial benefits upon early or late diagnosis of any of the 114 covered critical conditions. It’s ideal for those seeking lifetime health coverage and peace of mind knowing that they are protected against a wide range of potential health issues.
Sun Grepa Senior Care: Specifically designed for older adults, this plan addresses the unique health concerns that come with aging. It offers the protection needed during the golden years, ensuring that seniors can enjoy their retirement without the constant worry of unexpected medical expenses.
Sun Grepa Cancer Care: Cancer is one of the most challenging diseases to face, both emotionally and financially. This specialized plan provides financial support for those battling cancer, helping to ease the burden of treatment costs and allowing patients to focus on their recovery.
Sun Grepa ICU Protect: Intensive care unit (ICU) stays can be incredibly expensive. This plan provides benefits in case of ICU confinement, offering financial relief during what is often a critical and stressful time.

The Importance of Health Insurance in Achieving Overall Wellbeing

Health insurance is more than just a financial safety net; it’s a critical component of a well-rounded approach to health. With the right health insurance plan, Filipinos can access regular check-ups, preventive care, and necessary treatments without the fear of financial ruin. This level of preparedness allows individuals to focus on maintaining good nutrition and overall health, knowing they are protected against unforeseen medical expenses.

A Call to Action for Filipinos

In a world where health challenges are increasingly complex, good nutrition alone is not enough. Filipinos need to combine healthy eating with financial preparedness to ensure long-term wellbeing. Health insurance is a vital tool in this journey, providing the financial security needed to access quality healthcare when it matters most.

As Richard S. Lim, president of Sun Life Grepa, aptly puts it: “We at Sun Life Grepa are continuously looking for innovative financial solutions to address emerging health issues and concerns, giving the uninsured more ways to protect themselves and their future, not just through good nutrition, but also through affordable health coverage and maximum health protection.”

In the end, a balanced approach to health is the best way to safeguard your future. By pairing good nutrition with the right health insurance plan, you can take control of your health and wellbeing, ensuring that you and your loved ones are protected no matter what life throws your way.

Details provided in a recent press release.

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Stretch your allowance and master money hacks with Maya this school year

As the new school year kicks off, students face the challenge of balancing allowances, school expenses, and saving up for fun activities. Maya, the leading digital bank in the Philippines, offers innovative money hacks that can help students manage their finances effortlessly while still enjoying their school life.

Win Big with Maya by Simply Spending

Imagine turning your everyday purchases into opportunities to win P10,000 or HONOR gadgets. With Maya, every P250 spent from July 1 to August 31, 2024, earns you a raffle entry. Whether you’re buying textbooks, grabbing lunch, or shopping for new clothes, each transaction increases your chances of winning. It’s a simple yet effective way to make your spending work for you. (Per DTI Fair Trade Permit No. FTEB-196591 Series of 2024)

Boost Your Savings with High Interest

Your school allowance can do more than just cover daily expenses—it can grow. By depositing your allowance into Maya Savings, you can earn up to 15% p.a. interest, credited daily. There’s no minimum balance requirement, so you can start saving with whatever you have. Watch your savings grow day by day and use the extra earnings to treat yourself or cover unexpected expenses.

Earn More by Inviting Friends

Sharing is rewarding with Maya. When you invite friends to join Maya, both you and your friends benefit. Once your friends sign up, upgrade their accounts, and spend at least P20, you both earn P30. This referral program not only boosts your earnings but also helps your friends discover the convenience of an all-in-one digital bank. It’s a win-win situation that can add up quickly.

Handle Emergencies with Maya Easy Credit

Unexpected expenses can pop up anytime, from dorm rent to unplanned purchases. For students aged 21 and up, Maya Easy Credit offers a quick solution. You can access up to P30,000 without any paperwork, making it easy to cover urgent bills or treat yourself when needed. Use the credit wisely and enjoy the peace of mind that comes with having a financial safety net.

Make Every Transaction Count

With Maya, every transaction becomes an opportunity. Whether you’re saving, spending, or inviting friends, each action brings you closer to your financial goals. This school year, focus on creating memorable experiences and achieving your academic and personal milestones without financial stress.

Stay updated on Maya’s latest offers and tips by visiting maya.ph and mayabank.ph. Follow Maya on Facebook, Instagram, YouTube, and TikTok for exclusive content and updates.

Embrace the new school year with confidence, knowing that with Maya, you’re equipped with the tools to stretch your allowance and make the most of every peso.

Details provided in a recent press release.

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