Why Live in Camella Monticello in SJDM Bulacan | Vista Land

Why Live in Camella Monticello in SJDM Bulacan | Vista Land

Friday, February 23

Are you in search of the perfect place to call home in the bustling city of San Jose del Monte, Bulacan? Look no further than Camella Monticello, an emerging premier community that offers a wide range of quality homes and house and lot properties.

Located in the heart of vibrant San Jose del Monte, Camella Monticello is not just a residential development; it’s a lifestyle upgrade, whether for starting families or bigger households. In this article, we will delve into why living in Camella Monticello in San Jose del Monte, Bulacan, is the realization of your dream home.

San Jose Del Monte: A City on the Rise

San Jose del Monte, often referred to as SJDM, is on a steady rise over the years. It has transformed from an agricultural area into a thriving urban center, attracting businesses, commercial establishments, and residents looking for a more suburban lifestyle without sacrificing the convenience of city living.

With its strategic location just north of Metro Manila, SJDM offers easy access to the country’s leading business and commercial districts, as well as other significant landmarks.

Perks of Living in Camella Monticello

The city of San Jose del Monte, situated in the province of Bulacan, has been experiencing a remarkable transformation over the past few decades.

Known for its agricultural roots, this city has evolved into a bustling urban center, becoming a sought-after destination for both businesses and families seeking an enhanced quality of life.

With its strategic location just north of Metro Manila, San Jose del Monte has become a hub of economic activity.

The proximity to the country’s leading business districts and commercial establishments has drawn various businesses to set up shop in the city, providing residents with convenient access to employment opportunities and essential services.

Freya

Price starts at Php 8.5M – Php 12M

Floor Area: 142 sqm.

Min. Lot Area: 132 sqm.

Two-Storey Single Firewall, 3 Bedrooms, 1 Master Bedroom with Toilet and Bath, 1 Extra Room, Family Area, Living Area, Dining Area, Kitchen, 2 Toilet & Baths, Porch, Balcony, Carport

EXPLORE FREYA

Camella Monticello: Your Charming Oasis

Nestled within the picturesque landscapes of San Jose del Monte, Camella Monticello offers a charming community with the following house models: Bella, Cara, Dani, Ella, and Greta — all designed to meet the needs and desires of modern families.

This gated community features secure perimeter fencing throughout the development, complete amenities, round-the-clock security that allows peace of mind for residents.

Camella Monticello is more than just a housing development; it’s a carefully crafted haven where residents can truly feel at home. The charming atmosphere and well-maintained surroundings make it a perfect choice for families, young professionals, and retirees alike.

House and Lot Options for Every Need

One of the standout features of Camella Monticello is the variety of house models available. Whether you’re a young couple looking for your first home, a growing family in need of more space, or someone looking for an investment property, Camella Monticello has a range of options to choose from.

Range of Home Options

From cozy townhouses to spacious single-detached homes, there’s a perfect match for your lifestyle and budget.

The house models in Camella Monticello are designed to cater to the diverse needs of its residents. The meticulously planned layouts and stylish architecture ensure that you not only have a comfortable living space but also a home that you can be proud of.

Moreover, Camella Monticello’s commitment to quality construction and materials means that your investment is built to last.

Amenities that Enhance Your Quality of Life

Camella Monticello takes your utmost convenience to heart. The community boasts amenities that cater to your family’s leisure and recreational needs.

Outdoor Amenities

Imagine spending weekends at the community swimming pool or hosting gatherings in your dedicated living area. There’s also a clubhouse where you can relax and unwind after a long day.

For those who prioritize an active lifestyle, Camella Monticello offers a variety of outdoor amenities. Enjoy a friendly game with neighbors at the basketball court or take a leisurely stroll in the beautifully landscaped parks. Let your kids out for a carefree afternoon at the children’s playground.

These amenities are not just recreational; they create a sense of community, allowing residents to connect and forge lasting friendships.

Location, Location, Location

The location of Camella Monticello is truly unbeatable. Situated in the heart of San Jose del Monte City, Bulacan, it provides easy access to essential amenities, schools, healthcare facilities, and commercial establishments. The city’s rapid development means that you’re never too far from everything you need.

In addition to its proximity to the city’s conveniences, Camella Monticello is also surrounded by nature. Sapang Palay, San Jose del Monte offers beautiful landscapes and a refreshing escape from the hustle and bustle of urban life.

The fusion of urban convenience and natural beauty makes Camella Monticello a unique and highly desirable place to call home.

Best Value for Your Investment

Camella Monticello takes pride in offering ideal homes without compromising on quality. Lot development and masterful planning ensure that you get the best value for your investment.

The house and lot options in Camella Monticello are budget-friendly and come with flexible financing options, bank financing, and reservation fee to suit your needs.

In a rapidly evolving real estate market, best valued home is a key consideration for many homebuyers. Camella Monticello understands this and has designed its offerings to cater to a wide range of budgets.

Whether you’re a first-time homebuyer or looking to upgrade to a more spacious property, a forever home is waiting for you in Camella Monticello.

Built by the country’s leading house and lot developer, you can be assured that you get your money’s worth compared to other properties.

Your Forever Home Awaits in Camella Monticello

In conclusion, Camella Monticello in San Jose del Monte, Bulacan, is the realization of your dream home. It combines the convenience of urban living with the charm of a gated community in a secure neighborhood, making it the perfect choice for families, young professionals, and retirees alike.

With its wide range of house models, top-notch amenities, and strategic location, Camella Monticello offers an unparalleled lifestyle experience in one of the country’s most promising cities.

So why live in Camella Monticello in SJDM, Bulacan? Because it’s where your dream home becomes a reality, where comfort meets convenience, and where your future shines bright in the heart of San Jose del Monte City. Don’t miss your chance to be part of this thriving community.

Visit Camella Monticello today and invest in the forever home you’ve always dreamed of. It’s more than a house; it’s a place where cherished memories are made, where dreams come true, and where your story unfolds in the vibrant tapestry of San Jose del Monte, Bulacan.

Camella is the flagship brand of the Philippines' largest homebuilder, Vista Land. With a presence spanning 47 provinces and 149 key cities and municipalities, Camella is dedicated to building beautifully designed communities across the country.

For more information on Camella, visit www.camella.com.ph and follow @CamellaOfficial.

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Invest for low as P50 in 3 easy steps with Maya

Invest for low as P50 in 3 easy steps with Maya

Monday, October 9

Want to invest but don't know where to start? Maya, the #1 Digital Banking App in the Philippines, makes it simple. With just P50, you can begin investing in local and global companies like Apple, Microsoft, PLDT, and SM through Maya Funds, its newest feature. 

Maya is your ultimate platform whether you're a newbie or an experienced investor. The beauty of Maya is its all-in-one digital banking experience. You can manage all your financial needs, from investing and saving to spending and borrowing, right within our easy-to-navigate app. 

And here's the clincher: No extra fees. Our partners’ management fees are seamlessly integrated into the fund's Net Asset Value Per Unit (NAVPU), ensuring transparent growth for your investments. Plus, we don't burden you with transaction fees, allowing your money to work tirelessly for you. 

We've teamed up with Seedbox Philippines, a leading digital marketplace for financial products, to introduce Maya Funds—a gateway to diverse investment opportunities within our comprehensive digital banking ecosystem. Through this partnership, you gain access to 13 carefully selected local and global funds, including Unit Investment Trust Funds (UITFs), which ATRAM Trust Corporation, the first standalone trust corporation in the Philippines, expertly manages. Plus, you can invest in Mutual Funds (MFs) managed by BIMI, a wholly owned subsidiary of the Bank of the Philippines Islands (BPI). These options provide flexibility and diversity in your investment strategy, all with the added assurance of regulatory oversight from both the Bangko Sentral ng Pilipinas (BSP) and the Securities and Exchange Commission (SEC), ensuring your investments are safeguarded.

Maya Funds caters to a broad spectrum of investors. For new investors who prefer playing it safe, consider options like the ATRAM Total Return Peso Bond and ALFM Money Market Fund, where you can start with just PHP 50. 

For those with a more adventurous spirit, delve into opportunities such as the ATRAM Global Consumer Trends Feeder Fund and ATRAM Global Infra Equity Feeder Fund, requiring minimum investment of PHP 1000, making them accessible to thrifty investors.

And if you're ready to embrace greater risk for potentially higher rewards, the ATRAM Global Equity Opportunity and ATRAM Global Technology Feeder Fund await your consideration, with minimum investments of PHP 1000 and PHP 50, respectively. 

Starting your investment journey with Maya Funds couldn't be easier: 

1. Log in to your Maya account and go to "Funds." 

2. Complete a brief assessment to kick off the registration process. 

3. Once registered, you can start investing. You'll receive personalized fund recommendations; the best part is no transaction fees! 

"We're thrilled to roll out Maya Funds, an integral part of our Maya all-in-one digital banking experience. Now, for less than the price of a cup of coffee, anyone can be an investor in both local and global markets," said Shailesh Baidwan, Group President at Maya and Co-Founder of Maya Bank. "This new feature perfectly aligns with our mission to empower Filipinos by offering convenient and accessible financial opportunities."

Ready to see your money grow? To learn more about Maya Funds and our suite of financial services, visit maya.ph and mayabank.ph. Stay in touch with us on social media @mayaiseverything on Facebook, Instagram, YouTube, and TikTok. With Maya, you can invest, save, and manage your finances all in one place. 

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Singlife launches budget-friendly college fund investment through Cash for Goals

Singlife launches budget-friendly college fund investment through Cash for Goals

Monday, September 12

 

Start investing with just Php 2,500 with Singlife’s Cash for Goals (Education)’

Filipino Parents understand that quality education is the best way to pave a better life for their children. However, college tuition fees are expensive and continue to increase annually. To make sure there is money when it’s needed, they need to start building an education fund as early as possible. Singlife Philippines developed Cash for Goals (Education) to help parents prepare for education expenses. 

Helping parents provide for their children

Cash for Goals (Education) helps parents save and grow their money so they can afford their child’s college tuition fees. Singlife makes this hassle-free by making the product available on GCash, which is accessible anytime, anywhere through any mobile device. The purchase experience is designed to be informative, user-friendly, and transparent so that parents can learn how the product works and make a purchase in just a few minutes. 

Singlife has made investing for a child’s college fund budget-friendly. Initial investment starts low at only Php 2,500 and additional investments can be as low as Php 500/month. And it’s easy to stay consistent with monthly investing as funds are automatically deducted from the parent’s GCash account for convenience. 

Through Cash for Goals, the parent’s money is invested in the Singlife Smart Investment Fund - a peso-denominated investment-linked fund that aims to earn more than traditional savings accounts by primarily investing in a mix of Philippine fixed-income and equity classes. The fund is managed by ATRAM, one of the country’s leading asset management companies. 

On top of helping parents save and grow their money, Cash for Goals (Education) also ensures that the child has money for college in case anything unfortunate happens to his/her parents. If the parent investing in the child’s college fund passes away, Singlife will ensure that the target amount is available for the child by the time he/she enters college. 

Singlife provides a better way

What makes Cash for Goals (Education) better than the run-of-the-mill investment-linked insurance product is that 100% of the parents’ money is invested, as compared to other products that charge very high entry fees. For parents, this translates to their investments earning more than 50% versus other products in the market, especially during the early years. 

The product’s low cash out makes saving for education budget-friendly for every-Juan (and Maria). Cash for Goals (education) is available for as low as Php 500/month after a one-time initial investment of just Php 2,500. And when things get tight and parents need to withdraw funds for emergencies, they can do so without any fees or charges at any given time. 

“As parents, we want to provide all we can for our children to help them reach their big ambitions and education is key to that. It is better to start as early as possible to avoid being confronted with the high cost of education when the need is already there and when our budgets might be constrained. To help parents be ready, we created ‘Cash for Goals (Education)’ and give them a better way to plan, save and grow funds for their child’s education,” says Rien Hermans, Singlife’s CEO.

Cash for Goals (Education) is the first unit-linked investment product offered by Singlife Philippines. The company develops products that help customers plan, save, and invest for their financial future. 

To learn more about Singlife’s Cash for Goals product visit our website (http://singlife.com.ph/cash-for-goals/) or go to GCash (http://go.gcash.com/SinglifeCFGE).

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5 reasons why the RCBC US Equity Index Feeder Fund should be part of your financial essentials

5 reasons why the RCBC US Equity Index Feeder Fund should be part of your financial essentials

Wednesday, October 6

Are you an experienced investor who knows the risks that come with higher rewards? Do you plan to keep your funds in your investment for at least three years? More importantly, are you ready to invest in Google, Facebook and Netflix?

It looks like the RCBC US Equity Index Feeder Fund (RUEIF) is the right investment product for you. Here are five reasons to explore this new offering from RCBC and why it should be included in your financial essentials. 

1. You’re investing in the largest companies in the US

The RUEIF invests at least 90% of its funds in a Target Fund called BlackRock Fund Advisors’ (BFA) iShares Core S&P 500 Exchange Traded Fund (IVV).

Since the Target Fund tracks the S&P 500 Index performance, this measures the overall performance of the US stock market. It means that you can indirectly invest in the largest US companies with only a USD 200 investment. 

For those who are not familiar, BlackRock is the largest asset manager in the world, with assets under management (AUM) of USD 8.68 trillion as of the end of 2020. 

So if you want to invest in S&P 500 index companies like Microsoft, Apple, Amazon, Tesla, Facebook, Visa, and Netflix, then the RUEIF is definitely worth exploring. 

2. Investing in the RUEIF is affordable

The RUEIF is one of the few USD Feeder Funds in the Philippines offering the lowest minimum initial investment. For just USD 200, you can already invest and access the US equity market. 

“What if I have a few hundred dollars more to invest?” No problem. You can make a minimum additional investment of USD 100. The maintaining investment is USD 200. 

Moreover, there’s no holding period, which means you can redeem any time and the settlement date is also shorter. 

When it comes to fees, the trust fee is at 0.75% per annum based on Net Asset Value (on top of the 0.03% management fee from BlackRock Fund Advisors and other special fees which are allowed under current regulations).

3. You can easily invest in RUEIF online

If you want to invest in RUEIF, you can do so easily and conveniently online, just log in to rcbconlinebanking.com and then click “Invest in UITF” button and “Enroll a new UITF account”. 

You can also install the RCBC Mobile Banking App if you want to invest, view or redeem in RUEIF using your mobile phone. And for those who do not have an RCBC Online Banking account, you can also easily open one all online.

Everything that needs to be submitted for the account opening can be done online such as the Client Suitability Assessment (CSA), Risk Disclosure Statement (RDS), and Participating Trust Agreement (PTA), as well as an additional risk disclosure that details the risks of the Target Fund. 

4. The yield potential with stocks is higher

Though investing in stocks may come with risks, it also has its perks. Historically, long-term investors who deal with the volatility of the stock market have had higher success rate compared to short-term investors. This means that if you are a long-term investor, you maximize the time value of your money. The more time you give your money to work for you, the more your money will make for you.

5. It’s a good way to diversify your investment portfolio 

It is interesting to note that the US stock market, using the S&P500 Index as benchmark, increased by 106% over the past 5 years while the Philippine stock market has contracted by 10%. This illustrates that there are benefits to diversifying your investment portfolio to include global assets.

With RUEIF, you have easy access to globally diversified investments with minimum investment amount requirements.

Investing in UITFs from RCBC is a good way to instantly diversify your portfolio since you get access to all the underlying investments of a Fund. But if you’re ready to take your investment game to the next level, investing in the RCBC US Equity Index Feeder Fund can be an easy and affordable entry point to global markets. 

To know more about the RCBC US Equity Index Feeder Fund and other RCBC Trust Products, get in touch with any RCBC Trust Sales Personnel or visit rcbc.com/uitf for more information.

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GCash helps families prepare for the future through investment

GCash helps families prepare for the future through investment

Friday, October 1

 

The pandemic has affected every aspect of our lives, including our family’s financial foundation, but it is with progressive financial security that we can restore our livelihood, prepare for unexpected events and illnesses, and build a better future for each member of the family. It is also a great way to shape the children’s mindset and behavior toward financial management so they can make wise decisions and prudent goals as early as now. 

This was the main topic of discussion of GCash Money Talks: “Pag-invest para sa pamilya, G pa rin!,” a webinar that aired recently on GCash’s Facebook page. The episode featured guest financial expert, author, and motivational speaker Brother Bo Sanchez who discussed the importance of putting money to a better purpose while sustaining your family’s future needs, and how to do it conveniently. Celebrity parents, actor and entrepreneur Juancho Trivino, and Brilliant Skin Essentials CEO Glenda Victorio, also shared their experiences as first-time parents on finding more ways to support their families. 

Getting started with investing 

Brother Bo starts off convinced with a refrain you’ll mostly hear throughout the seminar: Increasing your income. “There are ways you can find a part-time job if you want to have multiple streams of profit,” he says. “In that way you can set aside 20 percent to invest.” 

Juancho has been living with this mantra ever since his college days to ensure a successful business, but now that he’s a dad, his goals have shifted to future-proofing his family’s security using investment. “Diversifying my income and learning how to invest it is a priority of mine so I can grow my franchising businesses, and in turn, keep my family afloat,” he says. 

Brother Bo agrees the key to successful investment is to set a goal now, whether you’re still planning to have a family or you’re already part of a full-grown household. “You can move up with every decision you make in the present. If you’re still single, you can start developing financial habits that you can apply to when you’re married,” he says. “Calculate the potential impact of your investment on your family’s needs in the future, including education, house, car, and emergency funds.” 

For lady boss and supermom Glenda, your investing goals should be realistic. “Start small if you have to. Slow and steady beats instant returns,” she says. “Also calculate the risk and do your due diligence first before investing.” 

Having said that, Brother Bo quickly adds children are not a retirement plan. “You can grow old and grow rich through your own funds if you would try to live on 70 percent of your income for now,” he shares. “If you find budgeting complicated, go with the ‘envelope system’ and divide your expenses. Investment eventually imbues a sense of frugality when it comes to budgeting.” 

Easy investing at your fingertips 

The good thing about investing nowadays is the rise of digital solutions that offer convenience and access for those who want to try it even with limited knowledge. 

One of these is GInvest, the first-ever digital investment platform on GCash that allows Filipinos as young as 18 years old and with a valid ID to start growing their money with just a tap on the app. “It is a great way for parents to invest without minding paperwork and tedious tasks that are usually required when opening funds, so it won’t get in the way of our busy lives,” Brother Bo says. A fund manager, from ATR Asset Management Group (ATRAM), an established investment firm, will do all the work for you, including strategizing your account and investing your money in different assets. 

The beauty of GInvest lies in its simplified process of investing that gives you all the right information about different funds you can avail of with just P50, perfect for first-time parents with limited capital. For Brother Bo, his favorite feature of the platform is the option to allocate his asset to the international Global Feeder Fund for just P1,000, as opposed to stocks abroad that require a minimum of a thousand dollars. As investment being an emotional and financial activity, he suggests taking a risk assessment profile on the app first to determine if you’re a conservative, moderate, or aggressive investor. 

Finally, back up your GInvest journey with a long-term perspective. It can help you keep up with the timeframe as you progress through the months with money coming in and out of your pocket. “It is the primary element you need to be successful,” Brother Bo says. “Sacrifice today and delay gratification. If you have this attitude, you will be able to diversify your funds with GInvest and harvest them for the sake of the family’s future.” 

Even with uncertainties we’re facing every day, GCash and GInvest will continue paving the way for Filipinos to get in the habit of saving and growing their money through investments easily, so you can say “G pa rin!” to life. 

GCash Money Talks is a series of webinars hosted by the leading mobile wallet in the Philippines aimed to help customers, like parents and family-oriented individuals, to invest while preparing for their children’s future and retirement plans. 

You may watch the full episode here. 

To learn more about the GCash Money Talks and more information about GInvest, you may visit GCash’s Facebook page, https://www.facebook.com/gcashofficial/.

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5 million Filipinos have Cebuana Lhuillier Micro Savings

5 million Filipinos have Cebuana Lhuillier Micro Savings

Monday, March 22

 

There are now more than 5 million Filipinos who have a Cebuana Lhuillier Micro Savings account. This landmark achievement by Cebuana Lhuillier Rural Bank (CLRB), the banking arm of the leading micro-financial services company in the country, Cebuana Lhuillier, comes after the launch of the leveled up Cebuana Lhuillier Micro Savings product in December of last year. 

“We are elated that there are more and more Filipinos every day who are realizing the importance of saving and are taking charge of their future. It is very exciting that these 5 million Micro Savings account holders are not only on the first step to financial wellness, but because of our amped up product, are also Financially Mobile individuals.” said Cebuana Lhuillier President and CEO, Jean Henri Lhuillier

The Cebuana Lhuillier Micro Savings was launched in February 2019 as a basic deposit account that eliminated the need for numerous documentary requirements and maintaining balance or dormancy charges. The product was made available at Cebuana Lhuillier’s more than 2,500 branches as it acted as CLRB’s cash agent. 

Recently, as an enhancement to the product, Cebuana Lhuillier Rural Bank mounted Discover Your Ipon Power: The Cebuana Lhuillier Micro Savings 2.0 Launch which unveiled new features for the Cebuana Lhuillier Micro Savings product. These features are: (1) Cashless Payment possible through UnionPay, (2) ATM access powered by BancNet, (3) Online Transactions made easier through the eCebuana app, and (4) QR Technology.

‘Iponaryos’ are now even more empowered to take command of their future because of the transformation of their Micro Savings account from just a basic cash deposit account to an even more powerful and reliable, full-service savings account. 

Through their partnership with BancNet, they now have unrivalled access to their finances beyond CLRB’s cash agent, Cebuana Lhuillier’s more than 2,500 branches nationwide, this is possible through BancNet’s roster of 21,000 ATMs, and 114 member banks.

The bank’s tie-up with UnionPay further allows account holders to make debit payments through over 350,000 POS terminals, as well as partner merchants nationwide. ‘Iponaryos’ can now get the benefit of an enhanced payment security with UnionPay chip cards’ quick payment process with just a tap, using UnionPay Contactless technology.

KaCebuanas also have full online access with the use of the more efficient and more powerful eCebuana app which allows money transfers via Instapay, bills and utility payments, eLoad, and insurance purchase,the application will be even more powered thanks to new features such as the pawning ticket renewal and jewelry purchases. All these are made even more convenient since the adoption of online sign ups, which is now possible in the eCebuana app.

Cebuana Lhuillier Micro Savings further steps into the future by enabling QR Technology within the eCebuana app. This feature will also be able to make money transfers and retail payments seamless and secure.

“5 million Filipinos are taking a step further into a promising future with our powered up Cebuana Lhuillier Micro Savings, we are confident that even more Filipinos will soon take hold of their Ipon Power.” added Dennis Valdes, President of the Cebuana Lhuillier Rural Bank.

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Buying real estate in the Philippines during the pandemic: Invest or delay?

Buying real estate in the Philippines during the pandemic: Invest or delay?

Monday, March 15

 

The impact of the pandemic did not spare the real estate industry. The Philippines declared a lockdown in most cities in the metro by the end of the first quarter in 2020 which has resulted in the economy taking turn for the worse. Many Filipinos became unemployed while those who were able to keep their job felt unsure of their future. Purchases that require shelling out a large amount of money are put on hold. One year after lockdown, business have slowly return to normal operation. Employees who were working from home are already back in the office. But is it already safe to invest in real estate or should you delay?

Invest or delay?

Amid the pandemic, the Manila City government has bought a property for a housing project intended to provide shelter to over 600 families as mentioned in an article by Manila Bulletin. It only shows that having a home you can call your own is important and should not fall at the bottom of your priority list. 

It is every Filipino's dream to own real estate property. If you are still undecided, here are some important factors to consider when buying real estate in the Philippines.

1. Margin on loan

When applying for a housing loan, the bank determines the amount and number of years to pay the loan based on the client's age and income bracket. The property type and location are also taken into consideration. In the Philippines, the typical margin on loan is 80%. It means the bank will only loan you an equivalent to 80% of the value of the property.  You are expected to provide for the 20% as a downpayment. 

2. Early termination charge

My husband and I applied for a 25-year bank loan. After 5 years, we were able to save enough money to pay the remaining loan in full. We had to pay an early termination charge. Compared to the interest we are paying every month, it was still better for us to pay the early termination fee considering the number of years still remaining for the loan. It is very important to ask your bank about this charge because after a few years you might want to pay in full. 

3. Capacity to pay

Real estate developers are selling properties at a more affordable price compared to previous years. The banks are also offering low-interest housing loan rate to encourage borrowers. But knowing your capacity to pay is essential. A bank loan means you have to make sure your monthly income is more than enough to provide money to pay for amortization. 

4. Other costs

There are other costs to consider when buying a real estate property. Transaction fees include title registration fee, capital gains tax, appraisal fee, transfer tax, and documentary stamp tax. Clarify from the seller who will shoulder these fees. If you have a real estate agent, he usually takes charge of processing the documents but sometimes will require additional payment. 

Buying real estate is a big decision to make. Understanding all the costs involve will help you avoid financial difficulties later on. 

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From buying a house to investing in a retirement/leisure home, one real estate developer passed my checklist

From buying a house to investing in a retirement/leisure home, one real estate developer passed my checklist

Tuesday, March 9

Nearly eight years ago, my husband and I took a loan to buy a house. It was not an easy decision, nor was it easy on our budget (even until now) but we knew it was the right thing to do as we have decided to grow our family. 

We are now in our 40s and ready to take another leap. As we also love going to out of town trips to relax and bond with our kids, sometimes even including our extended families, we decided it is time to invest in a condotel or leisure home. 

Instead of buying timeshares which entitles you to free stays at hotels/resorts you can never own, why not purchase a condotel, which eventually will be under our name. We thought it’s a win-win for our family because we also need a passive income. 

The condotel will not only be our home away from home, it will also be a source of sustainable income for our family. (Hello Airbnb!) 

We were inspired by a neighbor, a returning OFW, who had earlier decided to buy a unit at Tagaytay Clifton Resort Suites, a very nice leisure home located in Metro Tagaytay. The condotel is being developed by CitiGlobal Realty and Development Inc. We live in the south so I would often see their billboards in SLEX. 

I am, however, not the type who will be swayed by influencers or endorsers, much more billboards so I did my own research. After all, the amount that we are shelling out isn’t cheap. The first on my checklist was: Do they have all the proper documents from the HLURB. These include the Certificate of Registration and License to Sell. 

So basically, the Certificate of Registration is a pre-requisite to having a License to Sell and says that you are reputable company, financially stable, and are capable of completing a safe and sound structure. The latter, well, is self-explanatory. 

The second on my checklist is a bit personal, as I had to ask myself, is this for my family? Do I see my family in this place? No question, it is a beautiful development – from the brochures to the model units but as I consider my home as a sanctuary, does it also give off the same vibe? 

So far, there are already two checks on my checklist. Third on my checklist is: Do they walk the talk? Luckily, Citiglobal is not one of those fly-by-night developers, who will promise you low rates but will actually scam you and take away your money.

As everything is now online, CitiGlobal is keeping its unit owners abreast with construction developments in both of its projects especially the Tagaytay Clifton Resort Suites. Click below for updates on Building 2 of Cypress.

Not bad for a developer hit by the pandemic right? 

Last on my checklist, and again, this is quite personal is I go for companies that are not all about making money but also about helping Filipinos fulfill their dreams. And I salute this developer for giving our hardworking OFWs an equal opportunity to also invest in leisure properties. 

My husband and I are excited to make this investment.

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What makes condominium unit a good investment during the pandemic

What makes condominium unit a good investment during the pandemic

Wednesday, December 16

Have you ever thought of investing amidst this current outbreak or in the middle of an economic downturn? Most people wouldn’t take the risk of investing during an extraordinary time like this due to instability, but experts in the industry believe that there are still advantages in making an investment today. 

Despite all the challenges this pandemic and the current economic downturn had caused the world, it is still the right time to invest and one of the best investments during this extraordinary period is a condominium unit. Here are some of the reasons why. 

Location: Most condominiums are built in strategic locations, situated in a business districts in the city. It offers you the the convenience of easy access to and from work or school, thus saving you from the stress of commuting and at the same time saving your precious time and energy. The malls and restaurants are nearby too. In this time of a pandemic, a location that is accessible to hospitals, supermarkets, government offices and other essentials is the best choice. 

Amenities: Most condos offer amenities for relaxation and enjoyment such as swimming pool, sports gym, health spa, and café. Having a condo unit with these features is a plus. 

Amidst this pandemic, when we are always being reminded to exercise regularly to improve the immunity and stay in shape, a condo where there is the gym or the swimming pool, is a good investment. We can easily achieve active lifestyle daily. When boredom strikes, you need not go too far as you can always choose from the ones that’s already present in area of residence. You are sure to be safer inside the premise of a condominium without having to sacrifice the lifestyle you used to enjoy before the pandemic. 

Security: The added layer of security is one absolute advantage of condo-living. Outsiders cannot get in easily and the entry and exit points are heavily guarded. There are CCTV’s installed in common areas, hallways and even parking lots, an extra protection to make occupants feel more secured. This tight security even gives you a peace of mind that even if visitors come and go, you have an effective way for contact tracing if ever there is an incident of virus infection. 

Maintenance: Condo living will not require you to get outside electricians and plumbers should you need repairs. They are just a phone call away, which gives a lot of convenience at the owner’s end. Everything is taken-cared of by the housekeeping and building maintenance staff, which is an enticing perk for baby boomers and busy people. Nowadays, it is always safe if you are going to deal with people who are just within the area. Today is not the right time to welcome strangers inside the house but in a condominium, there is an assurance that the people you interact with are the people you know or at least, the building admin is familiar with. 

Cheaper prices and lower interest rates for buyers: The pandemic, coupled with the economic instability we are experiencing right now had caused people to struggle in their finances. Due to that situation where many are adjusting their lifestyles, real estate developers are now selling their properties for a much cheaper price so more people can afford to buy or invest. 

In UK for instance, government published a guide on home moving during the coronavirus outbreak and announced a new 5% mortgage deposit program for first-time owners. In line with this, the Bank of England cut their interest rate to 0.1%. 

If you have enough resources, now more than ever is the time to take advantage of the benefits of these low deal costs and invest in low-risk investments, such as condominium units. 

When the interest is low, borrowing money becomes cheap and that enables a stronger buying power of people who are interested in real estate. The easing of loans, give more flexibility in your budget, which means you can easily go for that condominium property you have always dreamed of.

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LAROSSA gives you the best of urban living in Quezon City

LAROSSA gives you the best of urban living in Quezon City

Sunday, December 9

What do you look for in a property?

Nothing feels quite as nice as living comfortably in a city where everything is within reach. And for Filipinos who plan to move to the north side of the metro, Quezon City is the place to be for the best experience of premier lifestyle and residential living. 

Quezon City has become a progressive and modern metropolis where all major lifestyle hot spots are found. From diverse food scenes, to exciting shopping malls and convenient facilities and centers, it is no doubt that the city has a lot to offer to satisfy most wants, needs and luxuries.

So if you’re eyeing to move in The North, here are some things you can enjoy when you live there: 

Perfect hub to satisfy the foodie in you 

Living in Quezon City means having access to the country’s best restaurants and food parks. Here, the food scene is lively and interesting - always offering something new to the taste buds. If the barkada is planning to go on a budget food trip, you can book your stops at StrEat Maginhawa Food Park, Boxpark, and Z Compound. You can also take the whole family on a fancy night out at any dining options you can discover along Katipunan Avenue, Tomas Morato, Banawe Street, and Congressional Avenue. 

Center of best hangout locations 

Weekends are never dull when you are in The North. After a long and hectic work week, you can relax and find solitude in nature at the center of a bustling city by visiting La Mesa Ecopark, Balara Filters Park, or Ninoy Aquino Parks and Wildlife. You can also unwind at Art in Island Museum or get tickets to the hottest concerts happening at The Big Dome. Quezon City is also home to two of the biggest television networks in the country and if you’re lucky, you can score entrances to enjoy live shows and see your favorite stars in person! 

Second home of shopping enthusiasts 

Shopaholics can also get their fashion fix with the abundance of shopping complexes and bargain shops in Quezon City. You can search for the trendiest items in department and high-end stores at SM North Edsa, UP Town Center, Gateway Cubao, or TriNoma. If you’re looking for the best finds under a budget, you can visit weekend bazaars in Eton Centris or explore hidden ukay-ukay stores within the city. 

Thriving academic neighborhood 

Another benefit of settling down in Quezon City is that you can send your kids to some of the reputable schools in the country. From elementary to college, your child can learn from world-class institutions like Miriam College, Ateneo de Manila University, and University of the Philippines. There are also outstanding pre-schools and grade schools in the area so your child can get started on the best education. 

Excellent medical and wellness centers 

Quezon City keeps up to its name as the City of New Horizons as the biggest and leading medical institutions and services can also be found here. Residents can be assured that their health is put first as hospitals like St. Luke’s Medical Center, Philippine Heart Center, World Citi Medical Center, and National Kidney Center are present to service any emergency needs. 

Live at the center of everything

What’s exciting about Quezon City is that it has various residential options which you can avail to have access to all the best things about the city. With its spacious area of over 161 square kilometers, the metropolis is rapidly developing more housing opportunities such as townships, high-rise condominiums, and community villages to cater to Filipinos.

At Capitol Hills, Primehomes is bringing LAROSSA to provide the perfect location where you can live at the center of all the city’s hot spots. LAROSSA is an urban sustainable community composed of mid-rise, 10-storey condominiums that are elegantly designed to provide comfort and practicality to city dwellers. It also boasts of a 3.6-hectare land that showcases one of the greenest areas in the metro while offering a breathtaking view of the surrounding landscape.

So what are you waiting for? Invest in a LAROSSA property now so you can enjoy convenient and quality living where many great opportunities lie. 

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Sun Life Asset Management Set To Launch Prosperity Achiever Funds in 2019

Sun Life Asset Management Set To Launch Prosperity Achiever Funds in 2019

Thursday, December 6

I just got my first investment product from Sun Life last October 2018 (finally!) and I am now excited with Sun Life Asset Management Company, Inc.'s (SLAMCI) new product offering. The Prosperity Achiever Funds which they plan to launch by January 2019 has a feature that is a first in the industry. 

Perfect for investors like me who prefer moderate risk, long-term investments, the Prosperity Achiever Funds is a mutual fund  with a target date maturity.  The funds are first invested on equities or stocks that may yield high returns. The professional fund managers of SLAMCI will eventually place the funds to a fixed income securities to ensure that the investors will preserve the value of the principal and the accumulated gains over time. 

Whatever your age or your financial goal is, there is a Prosperity Achiever Fund designed for you.

Prosperity Achiever Fund 2028

Are you a newlywed planning for another honeymoon on your 10th anniversary or a homeowner who wants a renovation? The Achiever Fund 2028 is a 10-year investment option for investors who doesn't want to wait to long to enjoy the proceeds of the fund.

Prosperity Achiever Fund 2038

If you are in your 30s or 40s, don't ever think that it's too late for you to invest. I did it at age 42 and it's still better than never. The Achiever Fund 2038 is a 20-year investment and could be your retirement fund if you are in your 40s. If you've got a one-year old child, this would make a great graduation gift.

Prosperity Achiever Fund 2048

For those in their 20s and don't know what to do with their bonus, this 30-year investment is the best choice. Whatever you plan to do with the investment upon maturity, starting early on will help you on your journey towards financial independence.

To know more about the Sun Life Prosperity Achiever Funds, visit the official website or consult a Sun Life Financial Advisor. You may also call (02) 849-9888.

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Millennials: Spend or Invest?

Millennials: Spend or Invest?

Wednesday, August 24

To be young and free...

I am reaching the big 4-0 in less than a month and as I look back to my younger years I realized that I was not having as much fun as the millennials are now when I was their age. Owning a Nokia 5110 back then was already considered hi-tech. Cheap airfares and backpacking do not exist. I was already 31 years old when I first had my out of the country travel and it was very expensive. I remember spending almost P25,000 for a 4 days 3 nights Singapore trip in 2007. Probably the reason why until now I am not fond of budget airlines and accommodations for the sake of travelling. 

I was working in a bank where I used to receive a 16th month pay every year. I was an investment assistant handling time deposits and that was were most of my money went. I was lucky enough to be in a relationship with a man who is more into saving than spending. We had our own house constructed while preparing for the wedding. We had our own car (though not brand new) two years after marriage. I also planned of retiring from the corporate after working for a decade and true enough I was able to do that.

I turned my back from the corporate in 2007. I do freelance work since then. The best life altering decision I've made. Now working doesn't feel like working.  I've been to some places in the Philippines, enjoys a lot of staycations, been to Hongkong and Singapore a couple of times. The last time I was in Singapore, I stayed at Sentosa for 4 days. Oh and I still have more than enough Mabuhay Miles for a round-trip airfare.

How about you millennials, will you be enjoying the life I am enjoying now when you reach my age?

It was last June when I attended the launch of Sun Life Philippines Money for Life and it was there I learned that I can start my journey to financial independence for only P5,000 initial investment. I bought a P26,000 smartphone almost two years ago. I'm sure I can afford a P5,000 investment, right?

The Truth About Filipino Millennials

• 8 out of 10 believe that how they spend their time is more important than how much money they make
• 7 out of 10 think that money is the best measure of success
• 9 out of 10 would like to own a business someday
• 8 out of 10 enjoy owning high quality things
• 8 out of 10 claim to budget carefully
• 4 out of 10 like to spend their money even before they get it
• 1 out of 3 believes that credit enables him to buy what he wants
• 80% believe it is important to make investments now for the future
• 87% do not have any financial investments
• < 1% invest in shares and stocks; managed funds
• 5 out of 10 claim that they are saving more than they used to
• 4 out of 10 like to put their money in the banks

Nowadays, leaving the money in the bank does not give you a return compared to how it was like 10 years ago.

Truth: A P500,000 time deposit for 30 days will only earn you P215.28 today.  A decade ago, it would have earned P6,250 in 30 days.

Matteo Guidicelli belongs to the millennials generation and is one of Sun Life Philippines ambassadors alongside Piolo Pascual, Judy Ann Santos and Charo Santos-Concio. In his latest television commercial, he portrays two Matteos with different personalities. One Matteo tries to impress with his expensive gadget and a credit card while the other Matteo has a Sun Life Prosperity Card with a promise of a brighter future.

What is Sun Life Prosperity Card?

The Sun Life Prosperity Card is an investment card worth P5,000 which you can use to invest in any of the peso-denominated mutual funds managed by Sun Life Asset Management Company, Inc. (SLAMCI) under its Sun Life Prosperity Funds. This is the first of its kind in the market and it has revolutionized mutual funds investing in the country.

Matteo says...

"It's fun to have nice material things and be on YOLO mode, but what will happen to you if all your money runs out and you have nothing saved for the long-term? Whether I'm doing sports or working on a showbiz project, I know that I need to be patient before I could see the results. Training for a competition takes time, and so does shooting a movie or recording an album. It's the same thing when you invest your money. You have to grow it long term before you can enjoy the benefits. You may have to wait a bit, but it's always, always worth it."

Managing Expenses

I've been attending Coach Aya Laraya's workshop on #Money4Life and I would like to share with you an article about Topic #2: Planning and Managing Expenses.

http://www.snappedandscribbled.com/2016/07/my-journey-to-financial-independence.html

It's okay to have fun. It's okay to enjoy life. I don't believe in depriving myself of the things I want to buy or do. It's all a matter of balance between earning, spending and saving.

To learn more about the Sun Life Prosperity Card and how you can start investing for a brighter future, visit www.sunlifeprosperity.com.ph

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My Journey To Financial Independence: Planning And Managing Expenses

My Journey To Financial Independence: Planning And Managing Expenses

Monday, July 18

A decade ago, one of the companies I was handling as a financial analyst was registering a red bottom line figure for six consecutive months. It was very alarming and the financial committee members were looking for ways to turn the company around. I was tasked to look into the financial statements and make recommendations on how we could save the company. It was a tough time for the company and there's nothing much we could do with the sales. But we could somehow do something with the expenses. It was a difficult time for all of us. Inasmuch as I do not want to decrease the salary and compensation expenses, I had to do it to save the company. The company stayed in operation for two more years and then we had to shut it down.

I attended the 2nd session of Brighter Life Institute workshop with coach Aya Laraya last July 16, 2016 about Planning and Managing Expenses. I signed up during the launch of SunLife's Money for Life Initiative. Suddenly I remembered what happened ten years ago. The employees I had to let go. It was business decision. Nothing personal. But still painful because some of them are my friends. Somehow I felt like I failed to save the company. I was partly responsible.

Fast forward, last Saturday's session made me assess my own financial standing. Last April was very challenging. My father was hospitalized and we spent P375,000 on hospital bills. I must say my parents have prepared for their retirement. Good for them. They financially survived my mom's battle with cancer twice. Dad has more than enough money left for his hospitalization and just this morning I claimed his health insurance check. He also has a monthly pension from his employer and from SSS.

I want to be like my parents. Retired with own house and living a comfortable life.

Me and my husband will be turning 40 in a few months. They say life begins at 40. In our case, planning for retirement begins at 40. When do we plan to retire? If only NOW is a realistic reply. But we have some retirement concerns to consider. We should have more than enough money to pay for the expenses we will incur after retirement. 

Coach Aya Laraya was looking straight to where I was seated as if directly asking me the question, "Alam mo na ba ang expenses mo?" Thanks to my diligent husband, yes we do. Let me share with you the expense questions and my answers. Do the exercise with me. Get a notepad and answer these questions too.

What is your biggest expense?

We have a housing loan we applied for last July 2012 payable in 25 years. That means we need to work until we are 60 years old to have money to pay for the monthly loan amortization. 

Were you surprised?

No. We really planned this expense. We sold the house we bought when we got married and bought another house. More expensive than our previous house that's why we had to loan some money. 

What can you do to modify?

We both know that if we wait for 25 years to pay off the loan, the total amount of interest we paid is greater than the amount of money we loaned. The goal is to pay off the loan in 5 years. 

Feasible? Yes. 

How? Manage our expenses.

We usually travel outside the country once every two years and within the country once or twice a year. We had our last trip abroad last 2013 and decided to cut down on travel expenses. Let me get this clear, cut down on travel expenses and NOT totally remove travel and recreation in our life. We all need that! What we do instead is go to places where we need not spend on plane tickets. We take advantage of hotel promo for staycations. 

We have a PLDT DSL line, postpaid SmartBro LTE, postpaid Globe and CIGNAL subscription. We had our CIGNAL subscription downgraded considering we don't watch much television anymore.  I'll be having my SmartBro LTE plan terminated this September upon fulfillment of the contract and settle for a prepaid Globe account for pocket wifi.

Limit fast food deliveries to twice a month. There was a time we would call delivery every other day! It is cheaper to plan and prepare home-cooked meals.

Avoid unnecessary purchases. This is a bit challenging for me because I'm an impulsive buyer. So far, I can restrain myself from buying things I don't really need.

What challenges do you foresee?

We have already saved enough money to pay off a huge chunk of the loan this July, the loan's anniversary month. We project that by 1st quarter of 2017, the loan will be fully paid. The challenge will be after paying off in 2017, we will start all over again to save money. 

We are giving ourselves 5 years to retire from the corporate work. We want to save money for investments, probably have freelance work to keep our brains active and of course earn, and it would be great if we could start travelling again and enjoy spending time together. 

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Matteo Guidicelli Spearheads Campaign of Sun Life Prosperity Card

Matteo Guidicelli Spearheads Campaign of Sun Life Prosperity Card

Monday, February 22

Sun Life Asset Management Company, Inc. (SLAMCI) is ringing in the Year of the Fire Monkey with a new offering that will help Filipinos conveniently grow their money: the Sun Life Prosperity Card. The first of its kind in the market, the Sun Life Prosperity Card is a gift card worth P5,000 which may be invested in any of the peso-denominated mutual funds managed by SLAMCI under its Sun Life Prosperity Funds. 

“As Filipinos, we follow many of the Chinese New Year traditions that are believed to bring in luck and fortune. SLAMCI encourages everyone to complement these traditions with action, with the help of the Sun Life Prosperity Card,” SLAMCI President Valerie “Riena” Pama said. “They can use the card to begin their investing journey or give it as a gift of prosperity. The best part about it is that it grows in value over time.” 

The Sun Life Prosperity Card may be purchased from a Sun Life Financial Advisor, at any Sun Life Financial Store, or online at sunlifeprosperity.com.ph. “Investing in mutual funds is now more convenient and more accessible than ever with the Sun Life Prosperity Card. We hope that with this new offering, more Filipinos will start an investing habit and ultimately achieve financial security,” Pama said. 

Matteo leads new campaign

To help spread the word about the Sun Life Prosperity Card and to encourage more people to invest, SLAMCI’s financial literacy advocate Matteo Guidicelli will be spearheading the multi-media campaign. 

“I am proud to be part of this campaign because I understand the importance of investing for the future and the value of financial freedom,” Matteo said. “With the Sun Life Prosperity Card, even the youth can easily start investing, because it’s easy to purchase and can be conveniently activated.” 

To rally everyone to start investing, Matteo will be leading SLAMCI’s Rise and Prosper concert on February 8 at the Ayala Terraces in his hometown Cebu. 

More new offerings in 2016 

Apart from the Sun Life Prosperity Card, SLAMCI is also set to launch more new offerings as the year unfolds. Two new dollar-denominated funds will be introduced as the latest additions to the Sun Life Prosperity Funds, while a regular investment program will also be initiated in partner banks. 

SLAMCI will also be enhancing its digital capabilities and further strengthening its presence in key cities nationwide. Meanwhile, the company will also continue with its multi-media campaign dubbed “Slam the Scam,” which was created as a response to the proliferation of investment scams in the country. With actor Matteo Guidicelli at the forefront, the campaign imparts practical tips on what to consider when choosing an investment company, as well as red flags on dubious organizations. 

“This 2016, SLAMCI’s aims to introduce more Filipinos to investing and encourage them to explore a wider array of financial instruments that would enable them to achieve their financial goals,” Pama said. “We look forward to touching more lives and helping them find their way to prosperity.”

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Scam or Not: How To Spot A Pyramid Scheme

Scam or Not: How To Spot A Pyramid Scheme

Tuesday, June 9

If you have a Facebook account, you probably have experienced being flooded by posts about how to get rich fast accompanied by pictures of people with bundles of money and luxury cars. We all know that there's no such a thing as easy money. Even those who are into multi-level marketing are investing not just money but also time and effort to make it big.

I've been reading a lot about Emgoldex, Royale, SWA and other small networking /  multilevel businesses on the internet. A lot of negative feedback about these companies are all over the web. I have friends who invested in these companies and some of them are really earning. I'm a conservative investor and I prefer my money in time deposits and mutual funds even though they don't earn much. 

Someone shared this video on facebook and I feel the need to share.

I wanna know your thoughts. Drop me a line. :)


Update 12th June 2015

Amongst the companies who are into networking, EMGOLDEX is the most popular as of the moment. Just this morning, an article about EMGOLDEX has been posted at GulfNews.Com saying

When contacted by Gulf News, a DMCC spokesperson denied that the companies [Emgoldex and Gold and Silver Physical Metals KG] are registered with the government regulator of commodities trading.

“Emgoldex is not a DMCC-licensed company. DMCC has taken steps to prevent further misuse of our name.”

Read the full article: http://gulfnews.com/news/uae/society/officials-warn-against-investing-in-online-gold-store-1.1532762

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