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Michelle Lalic
September 23, 2021
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Thursday, September 23, 2021
5 Basic Terms That You Need To Know Before Applying For A Home Loan
Michelle Lalic
September 23, 2021
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The most common way to purchase a house in the Philippines is through a loan from lending institutions. It offers different payment terms and conditions, amounts, and duration for Pinoys that may not be able to pay the house in full upfront. While it’s a great financing option, it may result in the opposite if you finalize your plan without knowing what’s in store for you.
Before applying for a home loan, check this quick list of the basic terms that you need to know.
1. Principal
The principal is the total amount that you borrowed from the lending institution. It’s the main factor in calculating your monthly payments. Every time you repay your loan, a portion of it is dedicated to the principal. A lot of lenders deduct the principal early on in your loan, and the interest for the remaining duration of your loan term.
2. Interest Rate
Interest rate is the percentage that the lenders charge for letting you borrow their money. In public lending agencies like Pag-IBIG, the interest rate ranges between 5.750% and 9.875% depending on your terms. Private lenders such as banks charge an interest rate as low as 1.25% to 9.50% depending on the fixed term years.
3. Loan term
Tenure, also known as the loan term, refers to the duration that you and lenders have agreed upon to make loan repayments. Within the loan term, you have to pay the balance, including the principal and interest rate, in full. Depending on the lending institution, the tenure can range anywhere from 2-30 years. The longer the term, the higher the interest rate.
4. Down Payment
Most housing loans let you pay a down payment to reduce your principal amount. It’s paid upfront when you take out the loan. Some lenders may not require a down payment, especially when the principal is low. Nonetheless, most lenders allow down payments up to to 20% of the principal amount.
5. Default
For any reason that you fail to pay your monthly repayments, a default happens. When you finalize your housing loan, you’re bound by the law to pay the agreed amount within the timeframe indicated in your terms and conditions. Some lenders can be more lenient, considering several missed payments to be a default.
One of life’s necessities is having a home, but have you ever had a place you can call your own? Here in BellaVita, we will highlight to you the importance of one of our brand pillars, Sakto sa Bulsa, or in other words, affordability.
In a time of great uncertainty, a voice of knowledge and reassurance can make all the difference. "Stay home" has been the consistent mantra of the pandemic, and having a home you love where you can safely shelter in place feels more important than ever. Our mission in BellaVita, to provide a quality and affordable living experience to the Filipino people, remains true and the same especially during times like this.
Having said that, we are focused on fulfilling our mission by offering a house and lot for as low as P450,000 with a 22-square meters floor area and an average lot area of 36 square meters. It only takes Php 3,500.00 out of your wallet or bank account to reserve a unit with BellaVita. Monthly amortization for as low as Php 1,887 or just about P60 per day, cheaper than branded coffee or milk teas. Spending on your own home is a better investment, don’t you think?
BellaVita offers one of the lowest prices you'll ever see in the market. Furthermore, you can choose between Pag-IBIG or a bank to finance your dream investment.
For more details about BellaVita, please visit our Facebook page (https://www.facebook.com/BellaVitaLandCorp)
Sunday, September 19, 2021
Monday, September 6, 2021
The Best Pastime - Playing Online Games
Michelle Lalic
September 06, 2021
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Internet is filled with hundreds and hundreds of free games, played by people from all parts of the world. Regardless of their age or occupation, all of them enjoy the multitude of online games present on the internet that become a passion for them should they spend a large amount of time playing them.
Virtually every genre of games is present on major online portals, be it airplane missions, first-person shooters, aliens, zombies, space, stars, racing, cooking, fashion, design, etc. As they say, name it, and they'll have it. Card games and casino games are rivals for the top spot when it comes to interest, and the list of titles available would take a lot of time to write here, should we bother trying.
Playing online games for me is one of the best pastimes and an escape from all the stress of life. Games are an active form of entertainment that provides relaxation and diversion. With the development of computer technologies and the internet, online games have become the most popular way of entertainment among people including kids.
This is where you can find lots of games you would love to play, https://www.solitaire.org/. One of the classic games is solitaire and absolutely free.
Virtually every genre of games is present on major online portals, be it airplane missions, first-person shooters, aliens, zombies, space, stars, racing, cooking, fashion, design, etc. As they say, name it, and they'll have it. Card games and casino games are rivals for the top spot when it comes to interest, and the list of titles available would take a lot of time to write here, should we bother trying.
Playing online games for me is one of the best pastimes and an escape from all the stress of life. Games are an active form of entertainment that provides relaxation and diversion. With the development of computer technologies and the internet, online games have become the most popular way of entertainment among people including kids.
This is where you can find lots of games you would love to play, https://www.solitaire.org/. One of the classic games is solitaire and absolutely free.
The goal of the game is to stack cards into sequences. These sequences are based on suits and rank. For example, the cards will be stacked K, Q, J, 10, 9, 8, 7, 6, 5, 4, 3, 2, A with no mixed suits.
Sounds easy.
But…
Beginners often find themselves blocked.
Let's take a closer look.
The Classic Solitaire game space consists of these elements:
- The draw pile. A deck of 52 cards. These are shuffled into a random order. Of course, the computer versions will shuffle the desks for you.
- The Foundations. This is a place where piles of cards can be stacked in numerical order. This space is left empty at the start of the game. The beginning foundation card is the Ace of each suit upon which the rest of the cards are stacked, all the way up to the King of that suit.
- A Table, or tableau. These are either empty spaces or feature cards that are temporarily stored before being added to a Foundation.
Play Free Candy House Match 3 Game Online
Swap 2 items to match 3 or more of the same items in a vertical column or horizontal row. Valid moves require you to complete a set of 3 or more. Make longer matches to earn power-up pieces that destroy other pieces on the same line or other pieces of any color you choose. Each of the 50 levels is timed. As you advance through the game the layout design changes and some pieces are locked in position.
Here are how special pieces are used:
- locked pieces: some pieces are locked in position. you can break the locks by matching those pieces as part of a set of 3 or having a line destroyer set off on the same plane.
- destroy entire lines: these are earned when you make 4 in a row.
- pieces with horizontal hash marks destroy anything on their horizontal line when they are moved to complete another set of three (even if a different colored piece makes the set of 3)
- pieces with vertical hash marks operate similarly with destroying all pieces on the vertical line they are on
- destroy column & row: these are earned when you complete 3 in a row across and vertically at the same time. when these pieces are moved they destroy whatever is aligned with them vertically or horizontally.
- rainbow: This piece is earned when you make 5 in a row. You can move this piece into any other adjacent piece and it will remove all pieces of that color from the board.
Most of them are free and it needs only access to the internet. It can be played by people of all ages. There are online games for kids as well. This enables in their learning procedure and in their developmental skills.
Sunday, September 5, 2021
Importance of Workout and What to Wear During Workout
Michelle Lalic
September 05, 2021
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Workout or exercise refers to the performance of activities in order to maintain health and overall fitness. One of the greatest myths of exercise is that only obese people need to exercise. Sometimes, a person may be obese and still have more stamina than a person who is thin. A physically and mentally fit person can resist the pressures and stress of day-to-day living. Workouts are required for maintaining a healthy weight and healthy muscles, bones, and joints. A proper nutritious diet is as important as workouts. It is crucial to have a good diet to enhance the recovery process of the body after rigorous exercise.
There are certain things you can do to motivate yourself for regular workouts. Choose your workout clothes and tools that you like and will best suit you. You can also choose your workout place close to nature so that the fresh air will energize your spirit, and natural beauty will soothe your eyes.
So, here are the ways to get the best workouts for women and the most out of your fitness routine, from trailing weight to dropping stress to feeling grand about yourself. Therefore, do your workouts regularly, remain as fit, strong, beautiful, and young as ever.
One of the important things when working out is the proper attire. You may check out some women's apparel at bombshell athletic clothing. They offer sportswear, gym leggings, sexy leggings, sexy workout clothes, and so much more. It is a luxury global brand inspired by the women of the fitness world. Their premium selection of women's athletic apparel features styles that look great in and out of the gym. Here are some of their products:
Workouts can definitely aid in the journey to a healthy life. By working out, you will lose your extra, unnecessary fat in the body, you will enjoy increased blood flow in your vein, and thus will become more energetic and active. The chances of heart failure will reduce. Being a female, the importance of workouts for you is just as much as it is for a male.
So, here are the ways to get the best workouts for women and the most out of your fitness routine, from trailing weight to dropping stress to feeling grand about yourself. Therefore, do your workouts regularly, remain as fit, strong, beautiful, and young as ever.
Monday, August 16, 2021
Enhanced New Normal Protocols By Hotel Sogo
Michelle Lalic
August 16, 2021
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The impact of Covid-19 has slammed businesses and different industries instantly in just a short period of time, despite the efforts made in making the economy move forward, there are still businesses and establishments that feel its continuous effects just like in the hospitality industry.
These affected businesses have doubled their efforts to develop and adapt to the new normal by following heightened safety measures and investing in technological advancement to protect all guests and employees, just like the largest and fastest-growing Filipino-owned hotel chain in the country did across all of its branches.
Ms. Sue Geminiano, Hotel Sogo Corporate Marketing Manager said that Hotel Sogo was trying on things to help improve the situation in their hotels as early as March 2020 last year. From that point on, they continued to research, invest further and develop innovative ways to upgrade their safety protocols, especially in cleanliness and sanitation.
Through Hotel Sogo’s 11 So Safe Innovations, the safety and wellness of guests, as well as its employees, are set first. “This ongoing pandemic has helped us to take further steps in giving importance to safety. The innovations that I speak of are the development and improvement of amenities that revolve around the 4 major ways to prevent the spread of the virus and protect our guests like reduction of touchpoints, improve air quality, disinfection and testing. It is important to test all these protocols to ensure that all these innovations are really effective to keep our guests safe; we want our guests to feel safe and secure whenever they stay at Hotel Sogo. We will continue to protect our guests and develop more upgraded protocols even after the pandemic,” Ms. Geminiano added. More than just a hotel Aside from the hotel innovations that have been implemented, Hotel Sogo is also ramping up its effort in helping fellow countrymen through its Corporate Social Responsibility program, Sogo Cares. Hotel Sogo is helping indigent communities who need basic necessities, such as food, medicines, and water. “Recently, we donated food packs with linens and towels to the fire victims at Manila. We also donated essential needs such as bottled water, linens, pillows, surgical masks, pillowcases, and mattresses to the Philippine General Hospital with the help of AFP and we also gave assistance in different community pantries in Bulacan and Quezon City. Our team will definitely help those who are in need in these trying times. Even at this time of GCQ, Hotel Sogo is still accepting front liners, essential, repatriated OFW, seafarers, and economic workers across all Hotel Sogo branches. We are also accommodating those who prefer long-term stay for their work purposes,” stated Ms. Geminiano. Over the course of six (6) years, starting from 2015, Hotel Sogo through its Corporate Social Responsibility program Sogo Cares has conducted over 400 medical missions with 100,000 plus beneficiaries, led over 600 donations with more than 170,000 beneficiaries.
For more details, visit www.hotelsogo.com or like and follow Hotel Sogo on Facebook (facebook.com/hotelsogo), Twitter (@hotelsogo), and Instagram (@hotelsogo).
Thursday, June 17, 2021
PH’s 1st Stevia grower-manufacturer bullish on financial outlook despite the pandemic
Michelle Lalic
June 17, 2021
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Glorious, popularly known as the country’s first Stevia company, is positive on its outlook despite almost 2-years in the pandemic as more and more people turn to healthier alternatives, sales of stevia products continue to grow.
According to agribusiness finance giant Rabobank, Stevia's sales are expected to hit $700 million worldwide in the next few years.
Consumers in the Philippines can now get their calorie-free sugar needs from natural alternatives. Before, stevia was restricted to the health food market without any FDA approval. Recently, it is now widely used as a natural substitute for artificial sweeteners in many products.
“Stevia has been touted as a safe and healthy sugar substitute with proven health benefits. It can sweeten foods, and it has several health benefits, including decreased calorie intake, lower blood sugar levels, and less risk of cavities,” said Maura De Leon, the woman behind Glorious, the country’s first stevia grower and manufacturer.
While it has zero calories, stevia is 200 times sweeter than refined sugar and does not affect blood sugar. It is a popular option for people looking to lose weight but who want to reduce their sugar intake.
Stevia is an herb that has been grown in tropical climates for centuries. It is a small bushy plant that belongs to the sunflower family and grows in Paraguay and Brazil, but it can be quickly grown elsewhere. For centuries, the people of Paraguay add them to their foods as sweeteners, and countries like Korea, Brazil, China, Japan, and South America, have long used stevia.
Stevia products such as teas, juices, healthy coffees, chocolate beverages, and natural sweeteners, manufactured by Glorious, are approved safe by the Food and Drug Association (FDA) even for people who have diabetes.
“Stevia is much sweeter than sugar, so you don't have to add much. It’s good to note that the Philippines is also catching up on the use of this natural sweetener in various food preparations,” added De Leon.
Stevia is a natural sweetener taken from the leaves of a bushy shrub. The Stevia plant or (Stevia rebaudiana) has 150 species known to have originated from North and South America. Currently, it is produced by lots of countries, with China as the number one exporter of stevia products, and can be purchased at garden centers for home growing.
People who have diabetes can benefit from stevia. Choosing pure stevia extract can help maintain normal blood sugar levels and should be used in moderation. Stevia can also help cut down added sugar consumption, which can be beneficial for children. High sugar intake in children could lead to heart disease due to reconstructing triglyceride and cholesterol levels, contributing to children's weight gain. Substituting added sugar for stevia can minimize these risks. At the same time, moderate consumption of foods with stevia and other sweeteners can prevent adverse side effects and promote overall health.
What’s even better is that you can add Stevia to make healthy desserts that are diabetic and keto friendly. This is great for people who have a sweet tooth but can’t indulge because of health restrictions.
Incidentally, all Glorious Blend beverages— from the 3-in-1, 5-in-1, 7-in-1 mixes, use Stevia which has no calories, no carbohydrates, and zero glycemic indexes. All of their instant drinks will keep you alert and energized throughout the day.
For more information about Glorious, the Stevia Company, check out https://gidc.com.ph/.
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