Thursday, April 29, 2021
Sunday, April 25, 2021
The health crisis has been ongoing for over 12 months and with the recurring wave of infections happening across the globe, it seems that there is no end-in-sight available anytime soon.
Due to the crisis, many aspects of our lives have suddenly become different. We experienced major changes in the way we work, our children's educational system, even our dining, and shopping habits. On a larger note, the crisis has greatly impacted the economy, job security, and personal finance.
According to the Bureau of Labor Statistics, the current US unemployment rate is at 6%, or 9.7 million are unemployed as of March 2021. While in the Philippines, the most recent report by the Philippine Statistics Authority states that as of February 2021, unemployment worsens in the country as we now have 8.8% or 4.2 million Filipinos reported jobless compared to the 5.3% unemployment rate in January 2020.
What does the current unemployment rate have to do with credit card debts?
This simply means with all the uncertainties happening right now, having a credit card debt or other outstanding loans may not be a good idea. There is a huge possibility that further lockdowns might take place and unemployment (whether permanent or temporary) or reduced income will continue to rise in the next few months.
What can we do about it?
If you are currently employed and still continue to have a source of income right now, first you need to do is stop borrowing. If you have some outstanding credit card debts, prioritize paying them off as well. It will help you save money since it means that you don't have to pay more interest (which is just money down the drain)
Don't you think it is better to keep or hold on to my money?
Though having cash on hand is good especially during emergencies, paying off your credit card debts will give you peace of mind. Remember that when the unexpected comes (like unemployment or loss of income), it won't be an excuse to miss out on your obligations. You will continue to incur more penalties and charges which just makes the situation worse.
Instead, you can use your credit card as a lifeline during emergencies.
I am not really sure if I have to capacity to pay it in full. I have limited resources.
If you have limited resources, it is best to come up with a plan on how you can pay your credit card debts. Find out how much is your income and how much funds you can allocate for payments. Compute what portion of your actual payments go to the interest and the principal. If you are not sure how to do it, you can use a free credit card payment calculator. It will also give you insights into how monthly payments are left if you are just paying the minimum or a certain amount.
Once you have this information about your payment capacity, you can contact your bank and ask for a payment arrangement. Usually, they can offer lower interest rates or lower minimum payments. All you need to do is ask.
I am already in trouble and have missed some payments.
According to the Consumer Financial Protection Bureau, amnesty and relief programs are available to help delinquent cardholders pay off their outstanding payments and restructure their credit card debt.
Thus, do not lose hope when you are in this situation. If you have already incurred some late fees and penalties, don't be scared to reach out to your bank. Instead, let them know your situation and the hardships that you are facing. Many companies are able to waive or refund fees to help their clients during this time of need.
Saturday, April 24, 2021
It was an ordinary Wednesday night and I have a new book in the mail. Being the typical me, I excitedly opened the package to check. I planned to just browse through the pages quickly however, I really had no intention to read that night as I was so busy with tasks.
Little did I know I couldn't put down the book and finished reading it in one sitting.
Woman of Faith is not your typical inspirational book but rather it is a genuine testimony of a strong and faithful woman who went through a lot of challenges and hardships, how she and her family were able to hold on to their faith to withstand all the trials and enjoy the blessings they have received today.
One thing that is unique about this book is that it has a lot of bible verses. The author responded to their life's trials with prayer and unwavering faith. She generously shared her favorite bible verses and how God's words have given them strength all throughout the years.
What I love about the book? It is such an easy read as if you are just talking to a friend. Her story is not something that is too good to be true but rather it is something genuine. Many of the author's life experiences are relatable one way or another. As a reader, you will laugh and cry as you read.
Through this book, Author Karen Agreda - Cabunilas shared the gift of hope to the world. The book also celebrates family, friendship, love, and God's miracles -- everything that makes life worth living for.
Thus, if you are someone who’s going through a difficult time right now, this book is for you.
If you are someone who has big dreams but thinks that it is impossible, this book is for you.
About the Author
Karen Agreda - Cabunilas is a woman who strived hard to achieve her dreams. She started from scratch and all she had in hand was her faith. From being an online seller, she is now the owner and CEO of her own company, JKAR Realty, and Consultancy. Her husband, on the other hand, owns and manages his growing construction company and handles several branches of their hardware supplies store. To date, they own several businesses and properties that they did not even imagine having. From nothing, they are now enjoying all their answered prayers with faith in their hearts.
Through this book, the author wants to share what our faith can do.
She is also the author behind the blog, Karenspirations.------------------------------------
Title: Woman of Faith
Author: Karen Agreda-Cabunilas
Publisher: Central Book Supply, Inc.
No. of Pages: 119
Size: 6 x 9 inches
You may order your copy through Central Books
Tuesday, April 20, 2021
- Inform the cashier you would like to pay via ShopeePay
- Go to your ShopeePay wallet action bar and tap “Scan.”
- Click QR / Barcode
- Enter your 6-digit ShopeePay PIN
- Present generated QR code to cashier for scanning
- You will receive a confirmation of your payment
Sunday, April 18, 2021
Tuesday, April 13, 2021
Everyone dreams of having their own home. One place that you can call your own where you can settle down and build a family. It does not need to be huge. As long as it's decent and comfortable, it is already something you can be proud and happy to have.
Unfortunately, no matter how simple this dream is. Many are still unable to afford to buy their dream home. Ordinary workers who are having a hard time making ends meet feel that this dream is quite remote and impossible.
Luckily, today this is no longer true. Lumina, the affordable housing segment of Vista Land and Lifescapes, Inc. and the top real estate developer in the Philippines is offering friendly-priced yet quality housing. Making every Filipino's dream of owning their dream home a reality with their continuous development projects all over the country.
If you are from Bacolod, Lumina Homes adds more delight to the City of Smiles as it builds its newest community on the eastern part of Bacolod City.
Lumina Homes started to recognize Bacolod’s booming potential in 2016 when it opened its first community with affordable house and lot in the city through Lumina Bacolod. It is located in Brgy. Vista Alegre, with 35-hectare development land, offered around 4,000 house and lot that were all officially sold out in just two years.
This year, Lumina Homes plan to develop another community with offers of affordable house and lot through their 45-hectare acquired land in the east of Bacolod City. This site is just a drive away from Bantug Lake Ranch, a recreational development that houses scenic waterfront and various leisure activities. You can enjoy adventures like horseback riding, boating, and fishing in just a quick drive. The proposed project is also just a couple of minutes away from other fun and enjoying places like Campuestuhan Highland Resort, Guerrero Farm and Nature Park, Melba’s Farm Guest House, and other popular commercial and business facilities.
It is also remarkably convenient and accessible as the main roads have ongoing road-widening projects that will make the site closer to the New Government Center and the New Silay-Bacolod International Airport.
Lumina Homes' latest offering in Bacolod City, like
its signature developments will feature affordable residential units and
amenities such as shuttle service, mini gardens, parks, and playground, covered
multi-purpose hall, and provision for commercial area.
Now, here's the best part! You can now
Now, here's the best part! You can nowreserve your slots through Lumina Homes Mega Deal of the Month Paynagaaan Extended DP Promo.
Avail of a house and lot from Lumina Homes in
Bacolod East for as low as Php 6,799 per month for 36 months for its Single
Firewall home model. This is from its previous price of P10,198/month in 24
You can also avail of their Rowhouse models as low as Php 5,219 per month for 36 months from 7,829/mo in 24 months before this promo began.
Aside from the extended downpayment promo, any home model can be availed by using a Pag-IBIG housing loan, instead of a bank loan as the only financing option. Other promos are:
- 50% Off on Reservation Fees
- Free Water Application Fee
- Free Electricity Application Fee
- Free HOA Membership Fee
Achieve your #BahayGoals and get a chance to win a pocket WiFi through Lumina's 'The Winner Techs it All Raffle Promo' when you reserve your own 2-storey Lumina house and lot from April 1 to June 30, 2021!
Most of us are living in a digital world ever since the start of this pandemic. We will always look for fast and dependable internet access, especially that being "connected" is necessary nowadays. Internet is like the bread and butter for people doing Work From Home setup and simply because most people are encouraged to stay at home for safety.
Here are the mechanics of The Winner 'Techs' It All Raffle Promo (Homebuyers Category)
1. Homebuyers should reserve 2-storey house and lot for sale in any of these participating Lumina Homes project locations:
- Concepcion, Tarlac
- Cauayan, Isabela
- Pilar, Bataan
- Sariaya, Quezon
- San Pascual, Batangas
- Camarines Norte
- Bacolod East
2. The reservation of the chosen house and lot should be made using Lumina Homes
3. The homebuyer should also subscribe to the Lumina Newsletter and the email address for the subscription should match the one used during the online reservation.
4. Promo runs from April 1 to June 30, 2021.
- Open your browser and go to www.lumina.com.ph.
- Scroll down, and you will see the Lumina Logo with "Subscribe to the Newsletter" on the left side corner at the bottom of the page.
- Click the line, enter the email address you used during your house and lot reservation through Lumina Homes Online, and click send.
And that's it! You are now registered to have an entry for The Winner TECHS It All Digital Raffle Promo. There will be ten winners nationwide of brand new broadband or pocket WiFi.
Thursday, April 8, 2021
Isn't it neat?
Wouldn't you think my collection's complete?
Wouldn't you think I'm the girl
The girl who has everything?
I've got gadgets and gizmos a-plenty
I've got whozits and whatzits galore
You want thingamabobs?
I've got twenty!
But who cares?
No big deal
I want more
I wanna see, wanna see 'em dancin'
Walking around on those, what do you call 'em?
Tuesday, April 6, 2021
Many businesses have been forced to halt operations temporarily, and in the worst-case scenario, completely shut down due to the health crisis. Given the circumstances, the present situation has also compelled businesses to adopt remote work environments and develop coping business strategies.
The majority of interactions with clients and employees must be virtual in the new normal, where physical separation is required. Given the circumstances, conducting business through mobile and online transactions is one of the most advantageous ways to continue doing so despite restrictions and quarantines.
Lumina Homes, Vista Land's affordable housing arm, seeks solutions to the crisis.
With its digital
innovations, Lumina Homes is a future-ready real estate developer and one of
the first real estate companies to have ready technology to offer homebuyers in
the Philippines and abroad a safer and all-digital home buying experience.
Here are some of the digital innovations developed by Lumina Homes to make their services and the home-buying process easier and more accessible to every Juan, whenever, and wherever homebuyers require it.
Explore Lumina Homes in 3D
Without leaving your seat, you can take a virtual tour of your future home. Explore Lumina Homes in 3D! All you have to do is visit Lumina Homes' official website and go to the homepage and browse for Virtual Tours of:
- Aimee Rowhouse is a 22 square meter home with a provision for one-bedroom and a minimum lot area of 36 square meters.
- Angelique Home Model is a 35 square meter home with provision for two bedrooms and a minimum lot area of 36 square meters. Angelique Home Model is also available in Townhouse and Duplex type of house.
- Angeli Home Model is a 42 square meter home with provision for three bedrooms and a minimum lot area of 36 square meters. Angeli Home Model is available in Townhouse, Duplex, and Single Firewall type of house.
- Signature showcase area of Lumina Homes that includes a preview of what a typical Lumina Homes community looks like.
Lumina Homes Online
Lumina Homes Online is a one-stop home reservation site where homebuyers can search for currently offered house-and-lot units and pay the reservation fee with a debit or credit card, GCash, or over-the-counter.
Lumina Homes Online, launched in 2017 for Overseas Filipino Workers (OFWs) customer and the working-class who are just too busy to visit a Lumina Homes site has now developed into a valuable resource for both sellers and property investors as the pandemic remains to restrict physical transactions.
Lumina Homes in Online Shopping Sites
Lumina Homes continue to grow by leveraging digital innovation and the popularity of e-commerce services.
It acknowledges the
increased development and technological demand and represents a significant
milestone in the real estate industry. Lumina Homes has an official store
on Shopee as well as Lazada.
Lumina Online Payment
The Lumina Online Payment is a site that allows homebuyers to easily settle their Lumina home dues utilizing online banking, credit cards powered by Pesopay, and digital wallets like AllEasy and GCash. The payment portal also displays all other reliable online payment channels, as well as step-by-step guidelines.
Lumina Online University
Lumina Online University is a training portal that provides sales training for Lumina Homes' sales partner networks.
At Lumina Homes, the perspective of the sellers is just as important as the journey of the buyers. Lumina Homes intends to support its sales network in adjusting to the changes of the real estate market, ensuring that they are exceptionally stable and persistent in their shared goal of providing affordable homes, even though we face challenging days as a result of the pandemic.
Lumina Online Appointment
The Lumina Online Appointment Scheduler makes office visits more convenient.
When you book an appointment online for the contract signing, document submission, and other services, you can avoid the lines and save time!
Lumina e-Text is a text messaging service that responds to specific types of inquiries using keyword templates. Customers can now expect an immediate response by following the below SMS inquiry template and send to (0919) 072-1399 or (0917) 818-1875. Text messaging fees will apply as usual.
- For outstanding balance inquiry, text LUMINABILL<space>10-DIGIT SALES ORDER NUMBER. Example: LUMINABILL 2500000000
- For reference numbers needed when paying through local payment centers, text LUMINAREFNUM<space>10-DIGIT SALES ORDER NUMBER. Example: LUMINAREFNUM 2500000000
- For the list of payment channels available, text LUMINAPAYCTR<space>10-DIGIT SALES ORDER NUMBER. Example: LUMINAPAYCTR 2500000000
- For inquiry of last posted or credited payment, text LUMINALASTPAY <space> 10-DIGIT SALES ORDER NUMBER. Example: LUMINALAST PAY 2500000000
- For total payments you have made, text LUMINATOTALPMT <space> 10-DIGIT SALES ORDER NUMBER. Example: LUMINATOTALPMT 2500000000
- For updating your mobile number on Lumina Homes' system, text LUMINAMOBILE<space>10-DIGIT SALES ORDER NUMBER <space>11-DIGIT NEW MOBILE NUMBER. Example: LUMINAMOBILE 2500000000 09171234567
- For updating your email address on Lumina Homes’ system, text LUMINAEMAIL<space>10-DIGIT SALES ORDER NUMBER <space>NEW EMAIL ADDRESS. Example: LUMINAEMAIL 2500000000 firstname.lastname@example.org
With Lumina e-Text, Lumina provides its customers with an additional and faster method of accessing and updating their account information.
Lumina Admin Virtual Assistant
Meet Juan, Kabarangay!
No need to visit, stand in line, and proceed to the nearest Lumina Homes Office for your immediate concerns!
Lumina Homes created Juan Support to prioritize the safety and convenience of Lumina Homeowners. Juan, your virtual admin assistant who is always able to answer your housing questions like:
- Payments concerns
- List of requirements for housing loan
- Statement of Account
- House construction updates
- Home improvement restrictions
- Title processing
Lumina Homes is committed to delivering a more refined home buying journey to customers and sales network partners and will continue to innovate to provide the absolute best home buying experience.
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