What Do You Really Think About Legacy Planning?

Legacy planning isn’t exactly the kind of topic you bring up over coffee or weekend brunch. For many of us, who are deep into careers, raising families, building assets, or supporting parents, it feels like something that belongs far off in the future. But a new study from Sun Life Asia reveals why it might be time to think about it sooner rather than later—and why many Filipinos are worried that what they’ve worked so hard to build might not last.

The report, Passing the Torch: Building Lasting Legacies in Asia, surveyed more than 3,000 people across the Philippines, Hong Kong, Indonesia, Malaysia, Singapore, and Vietnam. And what it uncovered is a mix of practical concerns, emotional truths, and generational realities that will sound familiar to anyone navigating adulthood today.

What really matters to Filipinos when planning a legacy?

For most of us, “legacy” is no longer just about passing down money or property—it’s about ensuring that the people we love are secure long after we’re gone.

According to the study, more than seven in ten Filipino respondents (77%) say that having protection in place to ensure their family’s financial security is the most important part of legacy planning. That tracks with where many mid-career Filipinos are today: juggling financial responsibilities, maybe raising kids, maybe caring for aging parents, and definitely thinking about stability.

After financial security, the next priorities are:

  • Educating future generations about financial responsibilities (53%)
  • Building enough wealth to pass to the next generation (52%)

This shows a shift happening right now among Filipino families. It’s no longer enough to earn and save. We want our children—and even our younger siblings, nieces, or nephews—to be equipped to handle money wisely. Teaching them to manage what they inherit is becoming just as important as leaving the inheritance itself.

How Filipinos want their legacy to be used

The study also highlights what Filipinos hope their wealth will do for the next generation. The majority—69%—prefer that what they leave behind goes to essential family needs such as housing and healthcare.

Others want their legacy to help create future opportunities:

  • 63% want wealth to support long-term wealth creation, not just immediate needs.
  • 62% want to fund education, whether that’s school, college, or vocational training.

If you’re someone who’s spent years building your career or starting a business, this probably resonates deeply. We want our families to be comfortable, but we also want them to have momentum—something that helps them build their own futures, not just survive day-to-day.

But here’s the hard part: many fear their wealth won’t last

This is where the report gets especially real.

A striking 81% of Filipino respondents fear that their wealth won’t last beyond their children’s generation. More than half—64%—are worried their heirs might not be financially equipped to manage what they inherit. And only 45% are confident their children will actually uphold their wishes around preserving and growing family assets.

For anyone raising Gen Z or Gen Alpha—or even navigating relationships with younger relatives—these numbers reflect the tension we often feel. Values are shifting. Priorities are shifting. Family conversations about money sometimes don’t happen as openly as they should.

Legacy is more than money—it’s meaning

This is one of the most powerful insights from the study.

When asked what kind of legacy they want to leave:

  • 37% mentioned passing down wealth or property
  • 16% want to leave a positive personal influence
  • 13% want to pass on family traditions and life lessons

It’s a reminder that legacy isn’t just about pesos and bank accounts. It’s about who we are, what we stand for, and the stories and values we want to live on long after us.

Yet only 43% believe their children will uphold family traditions. The rest—more than half—are unsure or worried these traditions may fade.

Many are aware of legacy planning—but few feel prepared

Even as legacy planning becomes more important, only 18% of Filipinos feel fully prepared. A small minority—just 6%—have completed and communicated their legacy plans. Meanwhile:

  • 53% only have partial plans
  • 25% have no plans at all

Many of the conversations happening in families today are also unstructured. 42% of discussions about legacy are informal or casual. But only 19% actually prefer it that way. Most people want more structured, thoughtful conversations—they just don’t know how to start them.

Financial literacy is becoming part of the inheritance

This is one of the most encouraging trends in the study. Many families are already preparing the next generation by:

  • Teaching financial basics (66%)
  • Engaging in open financial discussions (57%)
  • Sharing personal financial experiences (57%)

There’s also a growing interest in professional advice. 43% have already engaged advisors, and 46% are planning to.

As Benedict Sison, CEO and Country Head of Sun Life Philippines, puts it:

“People today want to pass on more than wealth; they want to give the next generation the knowledge and values to manage it wisely.”

Why this matters for our generation

We are the bridge generation: caring for older parents, raising or guiding younger ones, and trying to build stability in an unpredictable world. This study shows that we’re thinking more deeply about legacy—not just in terms of assets, but in the form of values, education, and preparedness.

Legacy planning isn’t morbid. It’s practical. It’s empowering. And as the report reminds us, it’s something we can start shaping today—through the conversations we have, the habits we teach, and the plans we take time to put in place.

To learn more about Sun Life’s award-winning products and how they can help witch your legacy planning, visit its website or contact a Sun Life advisor for personalized advice. Your future self will thank you!

Money-smart ways to enjoy the holidays

As soon as the “Ber” months roll in, we all feel that familiar shift: Christmas lights start twinkling, gift lists begin forming, and our calendars slowly fill with reunions. It’s a warm, exciting time of the year — but to be honest, it can also be one of the most financially stressful. With the long holiday season stretching from September all the way to January, our wallets also often end up working overtime.

If you’re looking to enjoy the festivities without waking up to post-holiday debt, the key is simple: plan early and spend smartly. Here are five practical ways to keep the season merry, meaningful, and financially bright.

1. Set a realistic holiday budget and track it closely.

Before the celebrations sweep you away, take a moment to ground yourself. How much can you really spend without compromising your bills, savings, or upcoming goals? Break your budget into categories — gifts, food, travel, Noche Buena, parties — so you know exactly where your money will go. A simple spreadsheet or budgeting app is often enough to keep you in check. The goal isn’t to restrict joy, but to make sure you’re not stressing about expenses long after the decorations are packed away.

2. Shop early, smart, and strategically.

Impulse buying during peak season is a recipe for overspending. A better approach? Start with a gift list — complete with spending limits per person — and stick to it. Then, pace your purchases. Don’t wait for December; holiday promotions pop up as early as September, and spreading out your shopping helps reduce the strain on a single paycheck. This way, you avoid panic buying and get to enjoy the process instead of rushing through malls at the last minute.

3. Focus on experiences over expensive gifts.

If there’s anything the past few years have taught us, it’s that shared moments matter more than things we can wrap. Consider DIY gifts, handwritten notes, framed photos, or homemade treats — thoughtful gestures that cost less but mean so much more. For family gatherings, suggest a potluck instead of catered spreads. And if your barkada loves exchanging presents, why not try Secret Santa? It keeps the fun while keeping expenses manageable.

4. Use cash or debit for holiday spending.

Credit cards are convenient, yes, but they can also lead to painful January realizations. If possible, use cash or debit so you’re spending only what you actually have. If you must swipe, set a clear limit and commit to paying it off in full when the bill arrives. Avoid letting the holiday spirit turn into long-term debt.

5. Save a portion of your bonus and protect your financial future.

When the 13th month pay or holiday bonus arrives, it’s tempting to splurge — and you should enjoy it! But consider setting aside a portion for long-term goals. One option is exploring financial tools that give both protection and savings. For example, Sun Life’s Save and Protect plan offers up to 20x insurance coverage and a money-back guarantee after 20 years, making it a thoughtful gift for your future self and the people who matter most.

As the holiday rush approaches, take a step back to reflect on how you want to spend — not just your money, but your time and energy. A Sun Life advisor can also help you review your plans and set goals for the coming year, so you can greet the New Year with clarity, confidence, and a lighter heart.

Here’s to a bright, debt-free, and joy-filled holiday season!

For more financial literacy tips and stories, visit www.sunlife.co/LifeGoals.

Bring Italy to your table with Doña Elena’s Premium Pasta Sauces

There’s something magical about gathering around the table for a comforting, home-cooked meal—and for many Filipino families, pasta is at the heart of these shared moments. Whether it’s a simple weekday dinner or a festive celebration, a delicious pasta dish never fails to bring people together. Now, with Doña Elena’s line of authentic Italian pasta sauces, every home cook can create flavorful dishes that feel both effortless and gourmet.

A Taste of Italy, Made Easy

Known as a trusted name in olive oil and Mediterranean cooking essentials, Doña Elena continues to make European-inspired cuisine accessible to Filipino homes. Their newest addition, the Doña Elena 100% Italian Premium Pasta Sauces, is crafted from fresh, high-quality ingredients—no preservatives, just pure Italian goodness in every jar.

These sauces aren’t just for pasta. They’re wonderfully versatile, elevating pizzas, dips, spreads, and even marinades with a rich, homemade flavor. Whether you’re a kitchen beginner or a passionate home chef, these sauces promise to turn everyday meals into something special.

Dona Elena Pasta Sauces
Dona Elena Pasta Sauces

Four Flavors to Inspire Every Meal

Each variety of Doña Elena Pasta Sauce is designed to complement different pasta cuts and culinary moods:

  • Marinara – Made with 100% Italian Tomatoes
    A classic sauce made from sun-ripened Italian tomatoes, slow-cooked with herbs to create a smooth, tangy, and savory flavor.
    Perfect for: Spaghetti, Linguine, lasagna, chicken Parmesan, or roasted vegetables.
  • Arrabbiata – With Italian Peppers
    For those who love a little heat, this fiery blend of tomatoes, chili peppers, and herbs delivers bold flavor with an authentic Italian kick.
    Perfect for: Penne Rigate, seafood, or grilled vegetables.
  • Artichokes & Walnuts Sauce
    A creamy and nutty combination of earthy artichokes and crunchy walnuts, enhanced with aromatic herbs for a rich, gourmet touch.
    Perfect for: Fettuccine, pizza, bruschetta, or as a dip with crackers.
  • Pesto Sauce – With Pecorino Cheese
    A vibrant, basil-based sauce with parsley, sunflower oil, and sharp Pecorino cheese for a creamy yet bold finish.
    Perfect for: Linguine, grilled meats, roasted potatoes, or sandwiches.
Dona Elena Pasta Sauces
Dona Elena Pasta Sauces

Perfect Pairings with Doña Elena Al Dente Pasta

Of course, great sauce deserves great pasta. The Doña Elena Al Dente line—made from 100% durum wheat semolina and crafted using traditional bronze dies—boasts a unique texture that helps sauce cling perfectly to each strand or shape. Available in Fettuccine, Linguine, Lasagna, Penne Rigate, and Fusilli, this artisan-quality pasta ensures rich, flavorful bites every time.

Dona Elena Pasta Sauces
Dona Elena Pasta Sauces
Dona Elena Pasta Sauces
Dona Elena Pasta Sauces
Dona Elena Pasta Sauces
Dona Elena Pasta Sauces

Celebrate Pasta Month with Doña Elena

This Pasta Month, take your culinary creativity to the next level and discover your perfect pasta pairing. Mix and match the flavor profiles of Doña Elena Pasta Sauces with the different cuts of Doña Elena Al Dente Pasta—and enjoy endless ways to savor authentic Italian flavors right in your own home.

Make every meal a celebration of good taste, good company, and the goodness of Doña Elena.

Doña Elena Pasta Sauces and Doña Elena Al Dente Pasta are exclusively distributed by Fly Ace Corporation in the Philippines. For more tips, recipes, and promos visit @donaelenacuisineraclub on Facebook, Instagram, and TikTok.  

Time is Running Out: Home Credit’s Todo Pasko Deals End January 25

You still have the chance to upgrade your home and personal tech without breaking the bank—but the clock is ticking. Home Credit Philippines, the country’s leading consumer finance provider, is offering its Todo Pasko installment deals with up to 0% interest on appliances, furniture, and gadgets. The promo runs only until January 25, 2025, giving you limited time to make the most of these incredible savings.

Flexible and Affordable Financing Options

As the holidays transition into the new year, Home Credit’s Todo Pasko deals make it easy for families to manage their budgets while still securing essential upgrades and fulfilling their wish lists. With no downpayment options for eligible customers and installment plans lasting up to 24 months, the deals ensure flexibility for every household’s financial needs.

Applying is hassle-free—you just need one valid ID, and approvals take as little as one minute. These benefits are available at over 15,000 partner stores across 75 provinces nationwide, ensuring accessibility for Filipinos everywhere.

Upgrade Your Home for 2025

Want to create a more comfortable space for yourself? Home Credit’s Todo Pasko promo offers exciting deals on:

  • Home Appliances: Elevate your living space with refrigerators, ovens, and other essentials for cooking and entertaining. You can even snag a karaoke set to keep the festive spirit alive.
  • Gadgets: Stay connected and productive with the latest smartphones, laptops, and accessories. Perfect for tech enthusiasts or students preparing for the new academic term.
  • Furniture: Refresh your interiors with stylish and functional pieces that add comfort and flair to your home.

Accessible Deals for Everyone

If you want to explore the options before visiting a store, the Home Credit App makes shopping easier than ever. Available for download on Google Play and the App Store, the app allows users to browse deals, locate partner stores, and even get pre-approved for product installments.

Another great resource is Shoppingmall.ph, which provides a comprehensive overview of Home Credit’s Todo Pasko offerings. Whether you’re shopping for appliances, gadgets, or furniture, this platform ensures you’ll find the best deals quickly and conveniently.

The holidays are all about generosity, but that doesn’t mean you can’t treat yourself. Whether it’s upgrading your workspace, getting a new gadget, or investing in quality furniture, Home Credit’s Todo Pasko deals make it possible to prioritize your needs without financial strain.

Don’t Miss Out—Deadline Approaching

With just a few weeks left before January 25, Home Credit urges customers to act fast to take advantage of these incredible offers. Visit any partner store nationwide or browse deals via the Home Credit App to find the perfect appliance, gadget, or furniture for your needs.

To learn more about the latest updates from Home Credit Philippines, visit its official website, www.homecredit.ph. You may also follow its official Facebook, Instagram, and TikTok accounts.  

Home Credit Philippines is a financing company duly licensed and supervised by the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP).   

For the latest updates, visit www.homecredit.ph or follow Home Credit on Facebook, Instagram, and TikTok.

Details provided in a recent press release.

A New Chapter in Hospitality: Holiday Inn & Suites Manila Galleria Redefines Comfort and Elegance

For over three decades, Holiday Inn Manila Galleria has been a beacon of hospitality in Ortigas. Now, it steps into a brighter future, reimagining its legacy as Holiday Inn & Suites Manila Galleria.

A Landmark Transformation

On November 1, 2024, a familiar name in Manila’s hospitality scene unveiled a fresh identity and purpose. The transition from Holiday Inn Manila Galleria to Holiday Inn & Suites Manila Galleria is more than just a rebranding; it’s a reinvention. This iconic establishment now offers a broader and more luxurious suite portfolio, a move that cements its place as a premier choice for families, business professionals, and leisure travelers in the bustling Ortigas business district.

At the heart of this transformation is the hotel’s commitment to enhancing guest experiences. The newly introduced suite collection includes 36 spacious accommodations tailored to diverse needs. Among these is the crown jewel of the property: the Penthouse. Spanning 234 square meters, this bi-level suite offers breathtaking city views and world-class amenities, setting a new standard for luxury in Ortigas.

Holiday Inn Manila Galleria Summit Lounge
Holiday Inn Manila Galleria Summit Lounge
Holiday Inn Manila Galleria Summit Lounge
Holiday Inn Manila Galleria Summit Lounge

“Holiday Inn & Suites Manila Galleria represents a key milestone,” shares General Manager Patria Puyat. “This change is more than a name. It’s a renewed promise to provide the comfort, warmth, and family-friendliness that the Holiday Inn brand is known for, while meeting the evolving needs of modern travelers.”

Beyond a Room – An Elevated Experience

The rebranded hotel brings a host of thoughtfully curated amenities to elevate every stay. Guests are invited to begin their day at Fab, the hotel’s breakfast restaurant, which features a variety of delightful options to energize mornings. For those staying in suites, the exclusive Summit Lounge offers a serene space to unwind, complete with scenic views and a menu that transitions seamlessly from breakfast to cocktails.

Holiday Inn Manila Galleria Staycation
Breakfast at Fab
Holiday Inn Manila Galleria Staycation
Breakfast at Fab
Holiday Inn Manila Galleria Summit Lounge
Summit Lounge
Holiday Inn Manila Galleria Summit Lounge
Summit Lounge

For wellness enthusiasts, the hotel extends access to the leisure facilities at Crowne Plaza Manila Galleria, its sister property. Guests can enjoy an inviting outdoor pool, a spa, and a 24/7 fitness center. Together, these features ensure that every aspect of a guest’s journey—from relaxation to rejuvenation—is thoughtfully considered.

At the Heart of It All

Situated in the vibrant Ortigas district, Holiday Inn & Suites Manila Galleria is more than a hotel—it’s a gateway. Its direct connection to Robinsons Galleria Mall offers guests unparalleled convenience for shopping, dining, and entertainment. Meanwhile, its proximity to corporate offices and public transit makes it an ideal choice for business travelers seeking both productivity and comfort.

Holiday Inn Manila Galleria Staycation
Holiday Inn Manila Galleria Staycation
Holiday Inn Manila Galleria Staycation
Holiday Inn Manila Galleria Staycation

The hotel’s location isn’t just about convenience; it’s about creating opportunities for connection and discovery. Whether it’s a family exploring the city’s sights or a professional attending a high-stakes meeting, Holiday Inn & Suites Manila Galleria positions itself as a trusted partner in their journey.

A Legacy of Warmth

For over 30 years, the hotel has been a cornerstone of Manila’s hospitality industry, welcoming guests with the signature warmth and reliability of the Holiday Inn brand. Today, with its refreshed identity, it’s poised to redefine what it means to stay in Ortigas.

Designed with families and leisure travelers in mind, the hotel continues to deliver accessible and engaging service. Its participation in the IHG One Rewards program further enhances guest experiences, offering richer benefits and personalized options powered by leading technology.

Holiday Inn Manila Galleria Staycation
Holiday Inn Manila Galleria Staycation
In-Room Dining, Holiday Inn Manila Galleria
A Weekend That Never Ends

Reflections and Looking Ahead

The transformation of Holiday Inn & Suites Manila Galleria is more than a new chapter; it’s a celebration of its enduring legacy and a bold step into the future. With an expanded suite portfolio, luxurious amenities, and an unwavering focus on guest satisfaction, the hotel is not just adapting—it’s thriving.

This reimagined property stands as a testament to its commitment: to provide brighter, more memorable stays for every guest who walks through its doors.

For more details or to plan your stay, visit the Holiday Inn & Suites Manila Galleria website.

Details provided in a recent press release.

Gamifying Fitness: GoGym Turns Workouts into Fun, Rewarding Challenges

In a world where motivation often wanes and gym memberships collect dust, GoGym is breathing new life into fitness by turning it into a game—one that rewards consistency, celebrates progress, and keeps members engaged. Gone are the days when working out was just a routine of weights and reps. Today, at GoGym, each workout is an opportunity to unlock achievements, earn rewards, and connect with a community of like-minded fitness enthusiasts. It’s fitness, but with a twist—fitness gamified.

Fitness Meets Fun: The Power of Gamification

It’s no secret that staying motivated to work out can be a challenge. Whether you’re a gym newbie or a seasoned athlete, the grind can sometimes feel like an uphill battle. For many, the gym is a place of struggle, not fun. That’s where GoGym is changing the game—literally.

Through its innovative use of gamification, GoGym has created an environment where every workout feels like a new quest to conquer. Just like in video games, where progress is marked by levels, rewards, and achievements, GoGym uses the same principles to make the fitness journey enjoyable, engaging, and ultimately more effective.

Kristoff Inocentes, Head of Sales & Marketing at GoGym, and a self-confessed avid gamer, explains: “Gamifying the gym experience is the next logical step to making fitness easier to get into, and thus more accessible to all. We want people to keep coming back to our gyms, to enjoy their experience as they put in the effort to achieve their fitness goals. Gamers love finishing quests, earning rewards, and leveling up. And that’s exactly what we want them to do with their fitness journey at GoGym.”

Earning Rewards with Every Move

At the core of GoGym’s gamified experience is the GoGym app, which allows members to track their progress, set personalized goals, and earn rewards. Each time members complete a workout, participate in challenges, or even refer friends, they earn GoCoins—points that unlock tangible rewards such as discounts on personal training sessions, free merchandise, and other exclusive perks.

Imagine getting rewarded for every step you take toward a healthier you. At GoGym, every gym check-in counts toward your fitness goals, turning ordinary workouts into a series of wins. Whether it’s hitting a new personal best or simply showing up for a session, there’s always something to celebrate.

Felicia Perez, Chief Product Officer at GoGym, shares: “Our goal is to create a fitness experience that people genuinely enjoy. We know that fitness can feel intimidating, so we designed GoGym to make it welcoming, fun, and motivating. Gamifying the experience helps people stay engaged and see every session as a chance to level up.”

Tracking Progress: From Streaks to Achievements

One of the most exciting features of GoGym’s gamified experience is its streak counter—a simple yet powerful tool that encourages members to stay consistent. The more you work out, the more rewards you unlock, turning fitness into a fun challenge.

For instance, after three visits in one week, members earn a streak, and every streak brings them closer to leveling up in their fitness journey. The app’s intuitive design makes it easy to see progress in real-time, which is a powerful motivator for staying on track. For those struggling to build habits, the streak counter offers that extra nudge to keep going.

But it’s not just about showing up. The GoGym app also integrates personalized recommendations, tailoring workouts to each member’s individual goals. These dynamic, real-time updates ensure that members are always working toward something achievable, turning fitness into a continuous, rewarding experience.

Challenges and Community: A Sense of Belonging

The gamification doesn’t end with earning rewards. GoGym takes things a step further by creating a dynamic community through the app. Challenges, leaderboards, and community milestones bring members together, fostering a sense of camaraderie and friendly competition. These social features encourage everyone to push their limits, whether they’re participating in a weekly challenge or striving to top the leaderboard.

“Fitness is about more than just individual success; it’s about building a community where we all support each other,” says Kristoff. Through the app, members can cheer each other on, celebrate milestones, and even compete in team challenges, creating a fitness experience that feels personal, social, and rewarding all at once.

Making Fitness Accessible for All

While gamification appeals to those familiar with gaming culture, it’s not just for gamers. GoGym’s innovative approach ensures that everyone, regardless of their fitness level, can find motivation and joy in their workout routine. Whether you’re lifting weights, taking a spin class, or doing yoga, GoGym’s gamified features cater to all types of fitness journeys.

The beauty of this system is that it’s designed to be accessible and inclusive. With a user-friendly app that tracks progress, suggests goals, and even offers personalized fitness plans, GoGym ensures that members of all backgrounds and abilities can enjoy the game of fitness. The app’s flexibility means that it adapts to users’ changing lifestyles, helping them maintain consistency in the face of busy schedules.

“We want to shift the focus from perfection to persistence,” says Andrew Phillips, Co-Founder and CEO of GoGym. “It’s about celebrating small victories, staying consistent, and making fitness something people look forward to.”

A Fitness Journey That Feels Like Play

In today’s fast-paced world, fitness isn’t just about physical strength—it’s about mental and emotional resilience as well. GoGym’s gamification makes the fitness journey a fun, exciting, and rewarding experience, turning what can be a tedious task into a playful adventure. With personalized goals, rewards, and a vibrant community, members are motivated to keep showing up and leveling up in their fitness journey.

At GoGym, fitness isn’t a chore—it’s a game, and every workout is a victory.

Ready to Level Up?

With its focus on gamification, community, and personalized fitness, GoGym is redefining what it means to work out. Whether you’re new to fitness or a seasoned pro, GoGym offers a fresh, fun way to stay motivated and achieve your goals.

To learn more about GoGym or to start your gamified fitness journey, visit www.gogym.ph or download the GoGym app on the iOS App Store or Google Play Store.

Details provided in recent press releases.

Sun Life Grepa’s 5 Tips for a Brighter 2025

The start of a new year is like a fresh canvas—a chance to paint a vibrant picture of your future filled with purpose, love, and well-being. While resolutions often center around career milestones or financial ambitions, embracing a holistic approach can lead to a truly balanced and fulfilling year.

So, how can you make 2025 your brightest yet? Here are five inspiring tips to guide you:

1. Prioritize Your Family’s Wellness

A strong, happy family begins with a foundation of health and connection. This year, make family time sacred. Share more meals, schedule device-free evenings, or discover the joys of outdoor adventures together. By nurturing these bonds, you’ll create memories that outshine any material achievement.

2. Align Your Financial and Health Goals

Imagine saving not just for a rainy day but for meaningful moments—a family vacation, a wellness retreat, or even healthy cooking classes. By intertwining financial goals with wellness priorities, you’re investing in experiences that enrich your life. It’s not just about balancing budgets; it’s about balancing what truly matters.

3. Balance Hustle with Rest

The pressure to constantly achieve can be overwhelming, but true growth often comes during moments of pause. Protect your well-being by setting boundaries, whether that means carving out time for self-care or reserving weekends for family fun instead of errands. A well-rested you is the key to supporting your loved ones effectively.

4. Build a Legacy of Meaning

Your impact extends beyond the here and now. This year, focus on creating a legacy that matters. Financial security can pave the way for your children’s dreams and ensure a stable future. Teaching them the value of financial responsibility and supporting their aspirations builds a foundation of purpose and possibility.

5. Celebrate Every Step Forward

It’s easy to get lost in the pursuit of big goals, but the small wins deserve recognition too. Whether it’s learning a new skill, ticking off a long-overdue task, or savoring a joyful moment with loved ones, these little victories make life rich and rewarding.

To turn these aspirations into reality, consider equipping yourself with the right tools. Financial protection solutions from Sun Life Grepa Financial, Inc. can help secure your future and support your goals, whether they center around life or health-focused needs. A Sun Life Grepa financial advisor can guide you in finding solutions tailored to your lifestyle and budget. Visit www.sunlifegrepa.com to start your journey toward a brighter tomorrow.

As we welcome 2025, let’s make it about more than just resolutions. Let’s focus on creating lives brimming with purpose, joy, and well-being. Here’s to your brightest year yet!

Details provided in a recent press release.

Reuse & Refill: Solving the plastic crisis in the Philippines

Imagine a bustling Filipino market, where the stalls are brimming with fresh produce and vendors call out prices in a lively chorus, but what’s noticeably missing in this scene is the crinkle of plastic packaging. Instead, shoppers carry reusable bayongs, reminiscent of a time when environmental responsibility was simply a way of life. This glimpse into a sustainable future isn’t just wishful thinking—it’s a vision that could become reality through the widespread adoption of reuse and refill systems.

The Plastic Crisis in the Philippines

The Philippines faces a mounting plastic crisis. Every day, the country consumes 163 million sachets, 48 million shopping bags, and 45 million thin film bags. This dependence on single-use plastics is fueled by convenience, but it comes at a staggering cost to the environment, public health, and society at large. Plastic waste clogs waterways, endangers marine life, and contributes to greenhouse gas emissions across its lifecycle, from production to disposal.

While waste management initiatives abound, they merely address the symptoms of the problem rather than its root cause. Developed nations with robust waste management systems still grapple with plastic pollution, often exporting their waste to low-income countries like the Philippines. The conclusion is clear: managing waste isn’t enough. The real solution lies in reducing plastic production and embracing sustainable alternatives.

Why Reuse and Refill Systems Matter

At the heart of the solution are reuse and refill systems—innovative models designed to eliminate single-use plastics. These upstream solutions tackle the plastic crisis at its source, significantly reducing environmental, social, and health impacts. By replacing disposable packaging with reusable alternatives, these systems can slash plastic pollution, curb greenhouse gas emissions, and create economic opportunities.

Research underscores their potential. A European study comparing reusable and single-use detergent packaging found that the reusable option had 12 times less environmental impact. Scaling reuse models in the food and beverage sector could reduce resource consumption by over 27 million tons by 2030, demonstrating both ecological and economic benefits.

Lessons from the Past and Existing Models

Ironically, the Philippines has long embraced reuse practices. Before single-use plastics dominated the landscape, the tingi-tingi culture revolved around reusable containers. Customers refilled jars with cooking oil or soy sauce at neighborhood stores and carried their goods in woven bayongs. Today, this traditional mindset is echoed in emerging reuse models globally and locally.

Water refilling stations, a staple in many Filipino communities, exemplify the practicality of reuse systems. Other models, such as returnable glass bottles and refill-on-the-go stations in zero-waste stores, show how businesses and consumers can work together to reduce waste.

Policy Recommendations for a Reuse Revolution

To mainstream these practices, Greenpeace has proposed a comprehensive policy framework. Key recommendations include setting ambitious targets for businesses to transition to reuse systems—50% of plastic packaging by 2030—and offering incentives to enterprises that lead the charge. Producers and retailers must collaborate to design standardized refill systems that are cost-effective and scalable.

The fast-moving consumer goods sector, a major driver of single-use plastic consumption, is pivotal. Policies should mandate refill stations for essentials like cooking oil, shampoo, and laundry detergent. Such initiatives could transform the market, making reusable packaging the norm rather than the exception.

Challenges, of course, remain. The upfront costs for businesses to adopt reuse systems and the effort required to shift consumer habits are significant hurdles. However, with the right policies and incentives, these obstacles can be overcome.

Incentives and Consumer Engagement

A successful transition to reuse and refill systems requires buy-in from both businesses and consumers. Financial incentives, such as tax breaks for enterprises and discounts for customers using reusable containers, can drive adoption. Non-financial incentives, like loyalty programs offering rewards for refill transactions, can further encourage participation.

Public awareness campaigns are equally crucial. Educating communities about the environmental and health benefits of reuse systems can shift attitudes and foster a culture of sustainability. Schools, local governments, and businesses must collaborate to ensure these messages reach all corners of society.

As the market scene fades into the bustling chaos of daily life, it serves as a poignant reminder of what’s at stake. The Philippines has the opportunity to lead a reuse revolution, addressing the plastic crisis while fostering a cleaner, fairer, and more sustainable future.

This vision isn’t just the responsibility of governments and corporations—it’s a collective endeavor. Shoppers can bring their own containers. Vendors can advocate for refill systems. Policymakers can champion bold reforms. Together, we can turn the tide on plastic pollution and ensure that future generations inherit not just a cleaner Philippines, but a planet where reuse and sustainability are second nature.

Read more of Greenpeace’s policy recommendations here.

The Future of Childhood: A Call to Protect Children’s Rights in a Changing World

As the world confronts unprecedented challenges, the future of childhood hangs in the balance. UNICEF’s 2024 flagship report, The State of the World’s Children: The Future of Childhood in a Changing World, paints a stark picture of what lies ahead for children. Released on World Children’s Day, the report warns that if urgent action is not taken, the rights and well-being of future generations will be severely compromised.

The report highlights three megatrends—demographic change, climate and environmental crises, and breakthrough technologies—that will significantly shape the lives of children by 2050 and beyond. These global forces present both opportunities and challenges, but one thing is clear: the decisions made by world leaders today will determine the world that children inherit tomorrow.

A World of Crises: The Climate Challenge

Among the most pressing concerns is the climate crisis. 2023 marked the hottest year on record, and the report forecasts even worse conditions in the coming decades. By the 2050s, the number of children exposed to extreme heatwaves is expected to be eight times higher, while the risk of exposure to river floods and wildfires will increase by three and two times, respectively, compared to the early 2000s.

“Children are experiencing a myriad of crises, from climate shocks to online dangers, and these are set to intensify in the years to come,” said UNICEF Executive Director Catherine Russell. “The projections in this report demonstrate that the decisions world leaders make today—or fail to make—define the world children will inherit.”

The impact of these climate hazards will vary depending on a child’s age, health, socioeconomic status, and access to resources. A child with access to climate-resilient shelter, healthcare, and clean water will fare better than one without these essential resources. This stark divide underscores the urgent need for global action to protect vulnerable children, especially those in regions most affected by climate change.

Shifting Demographics: A Changing Global Landscape

The world’s demographic landscape is also changing rapidly. While the global population continues to grow, regions such as Sub-Saharan Africa and South Asia are projected to have the largest child populations by 2050. However, the share of children in the global population is expected to decline in every region. In Africa, for instance, children will make up less than 40% of the population by the 2050s, compared to 50% in the 2000s. In contrast, East Asia and Western Europe will see even sharper declines, with children comprising fewer than 17% of the population.

These shifts pose significant challenges. In some countries, the pressure to expand services for a large child population will intensify, while in others, governments will face the difficult task of balancing the needs of an aging population. These demographic changes will require careful planning and investment in services to ensure that all children receive the care, education, and support they need.

The Digital Divide: Promises and Perils of Technology

In the realm of technology, the rise of artificial intelligence (AI) offers both promise and peril. Today’s children are already interacting with AI embedded in apps, toys, virtual assistants, games, and educational software. But while these technologies hold the potential to revolutionize learning and play, the digital divide remains a significant barrier.

In 2024, over 95% of people in high-income countries have access to the internet, compared to just 26% in low-income nations. This gap means that many children in poorer regions are unable to access the digital tools and skills they need to thrive in an increasingly digital world. This lack of access is compounded by factors such as gender, socio-economic status, and language barriers, which further limit opportunities for some children.

However, the report also offers a glimpse of hope. Advances in education and public health over the past century have led to significant improvements in children’s lives. Life expectancy is projected to increase, and nearly 96% of children worldwide are expected to complete primary education by the 2050s, up from 80% in the 2000s.

A Path Forward: Centering Children’s Rights

The report emphasizes that addressing these challenges requires a renewed commitment to child rights, as outlined in the United Nations Convention on the Rights of the Child. UNICEF calls on world leaders to prioritize children’s well-being by investing in education, services, and resilient infrastructure, while also expanding climate resilience and ensuring safe digital access for all children.

“World Children’s Day is a moment for leaders to demonstrate their commitment to the rights and wellbeing of every child,” said Russell. “We can shape a better future for tomorrow’s children, and we have to get started today.”

This year’s World Children’s Day theme, “Listen to the Future,” encourages leaders to reflect on the world they want to leave behind. As part of the campaign, UNICEF invited children from around the globe to share their hopes and dreams for the future. Letters poured in from Gaza City, Haiti, Tanzania, and other places, expressing children’s wishes for a safe, healthy, and educated future—free from war and climate hazards.

The message is clear: the future of childhood depends on the actions we take today. We must act now to ensure that every child has the opportunity to thrive in a world that is safe, sustainable, and equitable.

As the report concludes, the choices we make in response to these megatrends will shape the world that tomorrow’s children inherit. The question remains: will we act in time to protect their future?

Rewritten from a recent press release.

Komersyo.com Transforms Professional Development for Filipinos

In a fast-paced world where professional success is often tied to the ability to continuously learn and adapt, Komersyo.com stands out as a transformative resource for Filipino adults seeking to elevate their careers and personal development. This innovative platform is reshaping how Filipinos access knowledge, offering a rich library of e-books, audiobooks, and other educational tools designed to fit seamlessly into the lives of busy professionals.

For many Filipinos, the journey of learning and growing doesn’t stop once they finish formal education. Whether climbing the corporate ladder, venturing into entrepreneurship, or simply seeking to stay competitive in an ever-changing job market, there’s always more to learn. Komersyo.com is here to make that learning process not only easier but more accessible.

A Library Built for Professionals

At the heart of Komersyo.com’s mission is its extensive library, carefully curated to meet the unique needs of Filipino professionals. Unlike traditional educational platforms, Komersyo.com focuses on practical skills and business knowledge that can be immediately applied in the workplace.

For aspiring business owners or seasoned entrepreneurs, the platform offers a treasure trove of resources. From startup planning to financial management and strategic growth, these materials are designed to provide the insights necessary for navigating the challenges of business development.

Mastering the Market

For those in marketing or sales, Komersyo.com also delivers a wealth of knowledge on modern marketing strategies, customer relationship management, and sales techniques. The platform is a valuable tool for professionals looking to better understand market dynamics and refine their ability to attract and retain clients. These resources empower users to not only grow their businesses but also develop a deeper understanding of the ever-changing landscape of customer engagement.

Whether managing a small business or working for a large corporation, the insights provided by Komersyo.com can help professionals improve their marketing efforts and expand their customer base.

Academic Resources for Lifelong Learners

Komersyo.com doesn’t just cater to business professionals; it also understands the importance of continuing education across all fields. The platform features a wide array of academic resources spanning subjects such as mathematics, science, history, and literature. For professionals seeking to revisit foundational knowledge or dive deeper into specialized topics, these resources serve as an invaluable asset. The availability of academic materials ensures that lifelong learning remains a possibility, no matter one’s career stage.

In addition to academic and business resources, Komersyo.com provides a selection of fiction books, further adding to its versatility. These books aren’t just for leisure; they also stimulate creativity and critical thinking. Genres such as mystery, science fiction, fantasy, and romance offer readers a chance to explore new perspectives and enhance their emotional intelligence, problem-solving skills, and imagination. It’s a perfect complement to the platform’s more practical learning materials.

A Platform for the Busy Professional

One of the standout features of Komersyo.com is its flexibility. Designed with the busy Filipino professional in mind, the platform is accessible on mobile devices, tablets, and computers, making it easy to learn on the go. Whether on a break during work, commuting, or relaxing at home, users can engage with the platform’s resources at their own pace. The intuitive design of the website ensures that navigating through the content is both simple and efficient, allowing users to quickly find relevant materials and dive into their learning.

Perhaps most importantly, the platform recognizes the time constraints faced by professionals. Komersyo.com allows users to download up to three resources per day, ensuring that they can steadily accumulate knowledge without feeling overwhelmed. This thoughtful approach helps professionals gradually absorb new information and apply it at a manageable pace.

Supporting Growth with Flexibility and Convenience

The platform’s free trial further encourages users to experience the benefits of Komersyo.com without any initial commitment. With this risk-free opportunity, anyone can easily see how Komersyo.com can seamlessly fit into their busy lives.

Komersyo.com is more than just a resource for information; it is a catalyst for growth. By offering Filipino professionals an affordable and flexible platform to develop new skills and expand their knowledge, Komersyo.com is empowering users to stay competitive in the workforce and excel in their personal pursuits. Whether through mastering new business strategies, improving marketing efforts, revisiting academic subjects, or simply indulging in fiction to fuel creativity, Komersyo.com is making lifelong learning an achievable goal for all Filipinos.

As the platform continues to grow, it remains a powerful tool for anyone seeking to unlock their full potential in a world that never stops changing.

Visit Komersyo.com for more information and to subscribe.

Rewritten from a recent press release.