Christmas is unstoppable as SM malls in Baliwag and Puilan treat shoppers, especially kids, to the grand unveiling of their thematic centerpieces—the Sparkling Holiday Dreamland and Country Christmas, the newest holiday destinations in the province.
In SM City Baliwag, shoppers were amazed as the Sparkling Holiday Dreamland centerpiece transported mall patrons’ imaginations to a royal dreamland straight out of a fairytale book. The attraction is surrounded by white and gold carriages, arch towers, gold benches, 3D stars, and moon on clouds that perfectly symbolize the lyrics of this year’s theme—the timeless Christmas carol “We Three Kings.”
“Christmas is for children, it is said, and this year, we are happy to finally celebrate the most wonderful season with kids here at SM,” shares Assistant Vice President for Operations Ana Datu.
The centerpiece also highlights a 30 feet high and 10 feet diameter Christmas tree outlined with majestic LED light installations. The colors of the season are very much alive with hundreds of red, green, and gold Christmas balls and ornaments surrounding the tree.
Meanwhile, SM Center Pulilan debuts a Country Christmas centerpiece resembling ‘holiday on a farm’ experience, featuring a 17-feet tall Christmas tree as the main attraction. Shoppers will feel giddy as this Christmas destination is surrounded by horse displays, fancy grass, wood patterns, fun-filled swings, and lighted lamp posts. It also highlights a 12-by-8-feet barn house perfect for taking picturesque moments. Such elements were inspired by the popular children’s Christmas song Jingle Bells, the theme of this year’s centerpiece.
SM Center Pulilan’s grand Christmas launch also showcased special performances from Pulilan’s homegrown talent group, the Folk Jumpers, in their cowboy costumes.
In line with the launch of the holiday centerpiece, SM’s annual tradition of the Bears of Joy to keep and collect also begins at SM City Baliwag. For every bear purchased, another will be donated to a community charity. In Baliwag, Bears of Joy will be donated to public school children of Baliwag South Central School on Christmas Day.
The coming days will be merrier as SM City Baliwag and SM Center Pulilan celebrate Christmas in full swing with festivities, Christmas markets, and entertainment the malls have in store all throughout the holiday season. For updates, check out SM City Baliwag and SM Center Pulilan’s official Facebook and Instagram pages.
Like his father before him, John Dizon, Jr. and his family have been long-time stewards of protected trees in their community in Tuba, Benguet. When the time came for him to take up the mantle, he did so willingly to honor his father’s legacy
John Dizon, Jr. of Benguet-based environmental conservation group NAMALISA plants trees in support of SM Foundation’s and Fast Retailing Foundation’s Grow Trees Community project.
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“My father passed away in 2012. It was then that we found out that the area he is managing in collaboration with the government was part of a community-based forest management program,” said Mr. Dizon.
A year later, Mr. Dizon, who now heads the Benguet-based environmental conservation group, Nagawa, Manganese, Liw-Liw, Sadle Agroforestry Assoc. Inc. (NAMALISA), started working closely with the SM Foundation for an inaugural tree-planting campaign back in 2013 to pick up where his father had left off in his advocacy.
With the impact of climate change more felt in recent years, Mr. Dizon shared the importance of planting more trees in communities to thin out air pollutants in keeping the air fresh and people healthier. The trees which his father planted also helped prevent soil erosion and landslides caused by earthquakes.
He nurtures a dream that some of his children will take after him to help protect the environment. Getting closer to that dream, one of his sons is eyeing a career in forestry, a nod to his father’s chosen field.
To further this advocacy, Mr. Dizon supports the reforestation initiative of SM Foundation, Inc., the social good arm of SM, and the Fast Retailing Foundation (FR Foundation), a general incorporated foundation in Japan through the Grow Trees Community campaign.
The project aims to plant and grow forest trees such as the Benguet pine, Alnus or Calliandra and Coffee trees to also help create livelihood opportunities for the community by working closely with People’s Organizations such as NAMALISA in Tuba, Benguet.
The proponents teamed up with SM Supermalls and government partners such as the Department of Environment and Natural Resources, Department of Social Welfare and Development, Department of Agriculture, Technical Education and Skills Development Authority, Department of Trade and Industry, Department of Science and Technology, Philippine National Police, Philippine Information Agency and the local government of Tuba.
Grow Trees Community was previously launched in Nasugbu, Batangas, and Macabebe, Pampanga. Across the three locations, the project aims to plant over 200,000 seedlings and propagules.
It is in support of the SM Green Movement that seeks to improve the quality of life of communities through sustainable solutions to promote a green planet, green living, and a green culture.
FR Foundation focuses on promoting research designed to help make the world a better place, spurring technological development, nurturing human resources, and supporting socially vulnerable individuals or groups. It is part of Fast Retailing Co. Ltd., the leading Japanese retail company that owns a well-loved casual wear brand, Uniqlo.
Many people have become more aware of the importance of sustainability in everyday living during the two years that the world faced the impacts of the COVID-19 pandemic. Environmental awareness has caught on through practices such as shifting to paperless, reducing plastic use, and planting more trees. For property developers, taking part in this movement means transitioning into green buildings and developments.
Such is the case for SM Prime Holdings, Inc. (SM Prime), a publicly listed subsidiary of SM Investments Corporation (SMIC) that is committed to building innovative and sustainable lifestyle cities. SM Prime is future-proofing its developments to be more responsive and adaptive to community needs and the effects of climate change in line with comprehensive sustainability goals ranging from energy to ecology.
Over the years, SM Prime has continued to elevate its approach to building and development of community spaces. All these green initiatives have been recognized by reputable and well-known organizations such as the U.S. Green Building Council (USGBC) which awarded Conrad Hotel Manila and SM Aura Premier the Gold certification for Leadership in Energy and Environmental Design (LEED) in 2016 and 2017, respectively.
Building green office spaces
The SM empire is owned and has been run by the Sy family for the past 64 years
SM’s Commercial Property Group is renowned for balancing green design features with operational and practical considerations, enabling more companies and locators to enjoy environmentally sound commercial developments.
The CPG’s flagship properties are its five E-com Centers – all future-forward buildings catering mainly to technological, business process outsourcing, and Fortune 500 companies. All five E-com Centers are located in the MOA Complex. Each building has a proportionate amount of green open spaces and communal areas where workers can socialize and decompress from work.
CPG further promotes sustainable practices with its LEED gold-certified office buildings, solidifying its foothold and commitment to building green offices and commercial developments. These certifications are a testament to SM Prime’s dedication to reducing its contribution to global climate change – all while enhancing the quality of life within its communities.
The ThreeE-com Center boasts architectural wonders and green features that eventually earned its LEED Gold certification. These include water recycling for landscape and non-potable use. The building is fitted with glass windows that minimizes heat from entering the building, allowing tenants to use less air conditioning. This 15-storey, semi-circular twin-tower office building features function and aesthetic complemented with state-of-the-art facilities. While it was the first office building in the Mall of Asia Complex to receive such an honor, the new FourE-com Center also recently achieved the same certification – designed with its tenants’ needs in mind, improving work-life balance and office culture accordingly.
Both designed by globally renowned firm, Arquitectonica, the Three and Four E-coms are unique amongst business centers. “We designed the E-coms to functionally meet the BPO industry’s need for large, continuous floorplates, but also sculpted them in interesting ways so as to allow views and airflows between the buildings, while also, of course, giving them interesting architectural identities. At the same time, their landscaped podium decks create attractive communal green spaces for the tenants; they are envisaged to be interconnected via landscaped skybridges in the future. The combination of all these factors, architectural design and green spaces, have made the E-coms highly attractive to multinational companies and brands,” said David Zaballero, Arquitectonica Director.
Meanwhile, SM Prime’s tallest skyscraper located along EDSA will also join the company’s growing roster of LEED-certified green buildings. Called Mega Tower, the 50-story office building is future-ready as it provides spaces that respect both its tenants and nature itself.
Strategically located in the busy Ortigas Centre, the 50-storey LEED registered skyscraper is flexibly designed to meet the requirements of both corporate and BPO tenants. Though its design is highly sculptural, each floorplate remains efficiently planned – combining functionality and iconic identity.
“Incorporating sustainability in property development means having the whole life cycle of a building in mind. We invest a tenth of our capital expenditure to ensure that sustainability is integrated into our properties as we carefully plan our developments for our communities, the environment, and future generations ,” SM Prime’s Mr. Lim said.
In close collaboration with the SM Group’s other business units, the CPG’s multi-segment or mixed-use approach maximizes the socio-economic potential of its buildings and developments. As a result, SM’s commercial developments are connected to our malls, residences, and parks and civic spaces. Notably, they are all easily accessible to transport hubs to ensure mobility for pedestrians and the commuting public. This interconnectivity, alongside each property’s green and safety features, reduces the company’s carbon footprint, attracts more tenants and locators, and encourages greater productivity among its workforce.
As more events gear up this upcoming holiday season, it’s high time for Lustre Awards and Metro Fashion Ball for a resounding comeback after its successful inaugural show before a two-year hiatus due to a pandemic. Slated for a second run on December 12, 2022, multi-awarded fashion designer and founder of Lustre Awards and Metro Fashion Ball, Don Cristobal, together with partners held a media launch to re-introduce the much-awaited extravaganza.
At the media launch, Beauty Queen Ivanna Kamil Pacis hosted the event. Important personalities who will play a vital part at the fashion and awards night were also introduced. The 7 Stars Board of Council were Don Cristobal of Team DC Manila, Jenny Lin Ngai of SunSmart Solar Power Technology Inc., Gibeth Gloria of Crowne Plaza Manila Galleria, Miguel De La Rosa of Mplify Marketing, Jed Velasco of Clever Box Events, Arvin Cruz of Scene Zone Magazine, and Jebie Reyes of a Talents and Events Management.
On December 12, the two-part event will commence with METRO FASHION BALL, a fashion runway spectacle highlighted by the new collections of Don Cristobal and participating designers. The LUSTRE AWARDS 2022 will follow in the evening with a formal dinner and awarding ceremony. The latter is a national pinnacle award set to recognize movers and shakers of the Philippine fashion industry, outstanding individuals who excel in their chosen field with their impressive talents, expertise, and leadership skills as well as for being an inspiration and a paragon to society. This will also include acknowledgement of businesses and organizations that define and exemplify excellence through their services, products, and objectives. This event also supports important charitable institutions through it’s partners such as Cotmon Community of Polangui, Albay’s Educational Programs thru Mplify Cares, Cayabu Integrated School – Tanay Rizal thru PROJECT MISSION 500 of Tagpuan Camp & Eco Park, and Doc Robs SHARE YOUR BLESSINGS Foundation.
Last 2019, big names in fashion, showbusiness, media, politics, and diverse businesses graced the event, including Albert Andrada, Leo Almodal, Supermodel Wilma Doesnt, Jojo Bragais, Mario Dumaual, Rodin Gilbert Flores, and Jerome Ponce among others graced the event. Together with activities and advocacies, it is expected that a visual treat of glitz, glamour, exceptional creativity, and of course good food will definitely complete the evening. Follow @LustreAwardsPh and @MplifyPh on FB and IG for more updates.
Cebuana Lhuillier Micro Savings is now a go-to product for many of our kababayans following two years of uncertainty. Among them are (from left), working student James Tan, former housekeeper Carie Labro and construction worker Royce Jason Velez
More than two years after the spread of the COVID-19 pandemic, Filipinos raring for a restart actually improved their mindset towards saving money, according to a recent survey by the Bangko Sentral ng Pilipinas (BSP).
This is a welcome development, considering that 34% of the population lost their source of income during pandemic years, based on a survey conducted by the United Nations Development Programme. As a result, many have relied entirely in their savings account in order to survive the last two years.
According to the BSP’s Consumer Expectations Survey for the first quarter of 2022, the percentage of household with savings increased marginally at 31.1 percent from 30.2 percent in Q4 of 2021.Majority of the respondents cited the need for emergencies, health and medical expenses, retirement, education, and business capital and investment as reasons to save their money.
A big help in this increase in mindset and enthusiasm is the availability of more options to save money, aside from traditional banking institutions.
Cebuana Lhuillier makes life easier and dreams come true with Micro Savings
One of the most innovative means to save is through Cebuana Lhuillier Micro Savings. Launched in 2019 by Cebuana Lhuillier and its banking arm Cebuana Lhuillier Bank, this product has been in the forefront of bringing easy, accessible, reliable banking to majority of Filipinos, with close to seven million micro savings account holders today.
“Cebuana Lhuillier Micro Savings empowered millions of Filipinos to embark on their very own financial journeys by giving them a reliable, accessible, and efficient way to save their money, which they can easily withdraw during times of need. The quick adaptation of our kababayans to micro savings proved that the healthy mindset towards saving has always been there, as long as they are equipped with the right tools,” says Jean Henri Lhuillier, president and CEO of Cebuana Lhuillier.
Cebuana Lhuillier Micro Savings—which allows customers to open an account in any of over 3,000 Cebuana Lhuillier branches nationwide for as low as only P50—was introduced as a means to address the barriers to saving, including lack of accessibility, high maintaining balance, and the need for numerous documentary requirements to open an account.
With businesses and the rest of the country slowly getting back to normal, Cebuana Lhuillier Micro Savings remained a go-to product for many of our kababayans ready to resume their lives and dreams following two years of uncertainty.
For James Tan, an 18-year-old working student from Sta. Rosa, Laguna, saving meant enjoying the added mobility, safety, and convenience of having his own bike, a useful tool for his daily commute between work and school.
“Gusto ko kasi magka-bike kasi sapamasahe pa lang, malakinamatitipid ko papuntasa school at satrabaho. So, yungpaunti-untikongpag-iiponsaCebuana, ginamit ko yun para mabiliyungpangarapkong bike. Hindi naako nata-trapik o nale-late satrabahongayon,” he shares.
(“I want to own a bike because I can save so much on fares commuting to school and work. So that’s why I saved with Cebuana enough to buy my own bike. Now I don’t get stuck in traffic and come to work late.”)
As a working student helping to support his family, James decided to continue his savings after buying the bike to also help augment the expenses from home.
The need to provide a better future for their family is also why Royce Jayson Velez, a 36-year-old construction worker, decided to open a Micro Savings account. Earning an average of P400 per day, Royce and his wife needed to be creative in order to stretch his salary to last until the next payday. His micro savings carried the family during difficult times, and are now being allocated for the schooling of his children.
“Sabi ko sasarili ko, ipagpapatuloy ko ang ipon ko para magamit ng mgaanak ko sapag-aaral at balangaraw, magkaroonsila ng magandangtrabaho (“I said to myself that I would continue saving so that I can send my children to school for them have good jobs in the future.”),” Velez shares.
For Carie Labro, a 38-year-old former housekeeper, her micro savings paved the way for her micro entrepreneurship. When her kids started asking for more time to spend with her, Carie decided to take a leap of faith and resign from her post as a housekeeper so she could be more present for her growing kids.
With the PHP10,000 she initially saved in her Micro Savings account, Labro opened a small store which she now maintains as her main source of income. Like Velez, she has vigilantly kept up with her micro savings. She now saves part of her earnings in her account as an emergency fund for her and her kids.
Taking advantage of the renewed interest in saving, Cebuana Lhuillier Bank continues to push for accessibility and convenience for their breakthrough product. The two-time Asian Banking & Finance Award winner for Rural Bank of the Year has adapted an innovative approach by adapting more tech features for micro savings.
“The success of Cebuana Lhuillier Micro Savings encouraged us to further push the envelope in bringing convenience, accessibility, reliability, and efficient banking to our clients. The change in how people access financial services nowadays served as our push towards digitalization,” said Cebuana Lhuillier Bank President Dennis Valdes.
Aside from Cebuana Lhuillier branches, micro savings accountholders can also withdraw cash anytime, anywhere in over 21,000+ BancNet ATMs nationwide, purchase online thru UnionPay merchants worldwide, enjoy 24/7 unlimited banking access with the eCebuana app, and make cashless payments in over 350,000 UnionPay and BancNet accredited stores nationwide.
The country has been undergoing a sugar shortage for the past few months, causing sugar prices to soar. The price surge of this kitchen staple has affected the purchasing power of Filipinos who are already having difficulty coping with inflation. Given how sugar is a key ingredient in most dishes, many people have struggled to make their lives and dishes sweeter.
Fortunately, there’s a healthy alternative that can help solve Filipinos’ sugar woes. Stevia is a natural sweetener derived from the leaves of the Stevia rebaudiana plant. It is 300x sweeter than sugar but has zero calories and does not cause spikes in blood sugar levels. It is better than chemical-based artificial sweeteners because it does not have any aftertaste or carry potential health risks.
This wonder plant can be used for baking, as a food enhancer for cooking and to sweeten hot and cold drinks without guilt. What’s great about Stevia is how it sweetens food and beverages naturally, unlike sugar which has been linked to obesity and diabetes. Moreover, Stevia is considered nonglycemic, meaning it does not affect one’s blood pressure levels.
Given these health benefits, swapping Stevia with refined sugar can be a complete game changer for people who want to make healthier food and beverage choices and maintain a healthy weight range.
(From left) Au De Leon, president and chief executive officer of Glorious Industrial and Devlopment Corporation (GIDC, The Stevia Company), sharing the healthy benefits of stevia as a natural alternative to sugar and Cecille Miciano, marketing manager for GIDC .
Understanding Stevia’s potential to address Filipinos’ sugary dilemma, Glorious Industrial & Development Corporation (GIDC), also known as the Stevia Company, launched a lineup of naturally sweetened and healthy beverages. GIDC, the Stevia Company’s lineup of products under its Glorious brand, includes the Glorious 3in1 Premium Coffee and Glorious Iced Tea Mixes and the Sweet & Fit Stevia Tea.
“We understand how important sweetness is to Filipinos’ taste palette,” said Au De Leon, president, and chief executive officer of GIDC, The Stevia Company. “By making Glorious available nationwide, we want to empower more Filipinos to discover a healthier way to make their lives sweeter.”
The company’s latest products are not only good for one’s body but also taste great. Hence, people don’t need to sacrifice flavor to care for their health. All Glorious beverages are sweetened with Stevia and every teaspoon of Stevia is equivalent to three teaspoons of refined sugar.
Glorious Premium 3in1 Coffee Mix is a delicious coffee blend sweetened with Sweet & Fit Stevia. It is recommended for people with sugar-related concerns, weight watchers and other health-conscious individuals. Sweet & Fit Stevia has zero calories, zero fat, zero sodium, zero carbohydrates and zero cholesterol.
People who want to control their sugar intake can now sweeten up their lives and favorite fruit teas with Glorious Iced Tea Mixes. This product comes in three flavors: Red Berries, Lemon and Cucumber. Meanwhile, Sweet & Fit Stevia Tea can be used to make other hot or cold beverages together with non-dairy milk or fresh fruits for a healthy little pick-me-up.
Are you looking for spooktacular activities for the kids over the weekend?
Federal Land Inc. is inviting both kids and kids at heart to join the Halloween festivities happening on October 29 and 30 at Metro Park’s Blue Bay Walk and Met Live in Pasay City.
Candies and treats are up for grabs at Blue Bay Walk and Met Live as different mall establishments swing open its doors for kids to enjoy the spooky season.
“The Bay Area is about to get spirited! We are super thrilled to organize different activities to give kids the most awesome time this Halloween weekend. Admission is free, so be sure to drop by,” said Federal Land Commercial Development Head Mylene del Rosario.
For those who are joining in the fun, you may proceed to The Spine at Blue Bay Walk on Saturday, October 29 and the Atrium of Met Live on Sunday, October 30 to register and get your stamp card to participate in the events.
Various brands will be sponsoring exciting treats that you wouldn’t want to miss. Games, arts and crafts, KPop-themed photo booth, and a lot more await participants. The Halloween activities for both malls will start at 3PM until 5PM.
Everyone is encouraged to be in their best costume for a chance to bring home more goodies. Halloween-themed sling bag will also be given away to the first few kids to finish the trip to all the booths.
Metro Park is Federal Land’s 36-hectare master-planned community at Pasay City’s Manila Bay Area. It offers resort-style residential condominiums, delectable dining options, chic retail hubs, exciting weekend events, and a convenient office environment against the backdrop of the Manila Bay sunset.
Your all season laundry essential is here with Sharp providing the best solution to your laundry needs, while providing comfort and convenience for all lifestyles. With a lot of challenges arising due to changing weather conditions especially the occurrence of rainy season, Sharp is here to provide the best quality of life to its customers, uplifting daily households and providing a life of ease through its reliable products.
Sharp remains to be one of the top brand in market share for washing machines in the Philippines with its wide range of high quality and innovative offerings from its Semi-automatic to Top Load products. The brand was recognized as the ‘Most Trusted Brand’ for washing machine by Reader’s Digest for 11 consecutive years and continues its local productionwherein it recently celebrated its 10th million mark of production providing only the best products to every Filipino.
If you are looking for the best fully automatic washing machine products in the market, Sharp is definitely the best choice with its one of a kind innovative and problem solving features.
Works with Low Water Pressure
Sharp solves your problem with its Low Water Pressure Operation feature wherein its valve can operate for as low as 0.01 MPa or 1.45 PSI (water pressure), meaning the machine can still operate even on areas with low water pressure or low electricity flow.
Tough and Durable Rust Free Body
Sharp products are ready for all weather conditions in the Philippines as it is equipped with plastic body and rust proof feature that makes the product perfect for any season. Plus, it has a stainless tub making it the best option for long time use with its durability.
Energy Saving and Gentle on Clothes
Models with Direct Drive Inverter Motor is also more efficient, saves energy, and provides bigger savings. It also has a variable speed wash feature that freely adjusts the flow intensity and speed of water according to the material and Ultra Wash technology for more efficient washing. Models with Direct Drive Inverter includes ES-JX105A9(GY)(10.5kg), ES-FA10AX-GY(10kg), and ES-FA90AX-GY(9kg).
Your best choice for Fully Auto Washing Machine Products
Sharp is proud of its original No Holes Tub (ES-S115HP-SL(11.5kg), ES-S95HP-GY(9.5kg), and ES-U75GP-BL(7.5kg), wherein it is equipped with No Holes Tub Technology providing more hygienic laundry, is gentle on clothes, and lets you save up to 30% more water.
In partnership also with Procter & Gamble (P&G), one of the leading consumer goods brand, the model ES-PG750P(7.5kg) was developed. This unit has its very own Ariel Wash Cycle that can deliver superior wash cleaning and stain removal with the use of Ariel detergents. Also, when you buy this model on selected Sharp Koten events, you will get free 2pcs of 1kg. Liquid Ariel detergent (*while supplies lasts).
To surely match your efficient laundry experience, Sharp Laundry Basket will be given away for free when you purchase any Fully Automatic Washing Machine until December 31, 2022. Both rain or shine, Sharp is indeed your best laundry partner providing you only the best and convenient solutions.
Air Purifier with Dehumidifier
Aside from providing instant laundry solutions and convenience, Sharp also provides the best deal to its customers with its Air Purifier with Dehumidifying feature.
Sharp provides a total solution to your laundry problem with its Air Purifier with Dehumidifier (DW-E16FP-W, 24sq.m). After laundry time, one problem with drying clothes especially this rainy season is the increased moisture in the environment causing mold build up and bad odor. This product is equipped with Plasmacluster Ion Technology that is proven to deactivate 99.9% of airborne viruses and bacteria. It controls the humidity level in the air so you can freely dry your clothes without worrying about the odor or even mold build up due to the wet environment.
Truly, Sharp provides best solution for all weather conditions, providing only the best and quality products for your everyday needs. Sharp will continue its commitment of delivering comfort, convenience, and innovation to every Filipino household providing reliable and value for money products.
All washing machine and air purifier models are available at leading stores nationwide including Official Sharp Flagship Store on Lazada and Shopee. For more information, please visit https://ph.sharp/.
Raising a healthy child is mom’s ultimate achievement. As a mom, you are constantly worried about your baby’s development; you would like them to experience new things, but you are also afraid of what these new things can bring. Thankfully, moms have the healthy pillars to help them as they raise their kids and navigate the world of motherhood. Interconnected with each other, these pillars are integral during the first steps of a baby’s development, making sure that they’re all set as moms nurture them.
Cetaphil Baby advocates the Four Healthy Pillars: Healthy Food, Healthy Play, Healthy Sleep, and Healthy Skin. Each pillar is important for baby’s health and development, and skin is such an important part of their overall health, because it will protect them throughout their life.
Cetaphil Baby offers moms the best way to give babies the right foundation for healthy skin by supporting its development as it matures from its earliest stages onward. Moms can find peace and assurance that they can keep their baby’s skin protected now and in the future.
Cetaphil Baby products are clinically proven to respect, maintain & improve the structure of even the most sensitive skin, supporting baby skin’s natural development. It has been tested and approved by experts because of its gentle, hypoallergenic formulation that contains skin-barrier building ingredients like glycerin and panthenol, and other natural ingredients like chamomile, shea butter, almond oil, aloe vera, and calendula to keep baby’s skin soft, smooth and protected.
Cetaphil Baby offers even more gentle products suited for sensitive skin
Cetaphil Baby currently has two ranges: the Classic Line and the newly launched Calendula range. Included in the Classic Line are: the Cetaphil Baby Gentle Wash & Shampoo, a tear-free 2-in-1 hair and body formula that gently cleanses your baby’s delicate skin and hair, leaving it soft and clean.
For those looking for moisturizing goodness, the Cetaphil Baby Moisturising Bath & Wash is enriched with ⅓ baby lotion to care for even the most delicate skin protecting it against dryness.
The Cetaphil Baby Shampoo is a gentle caring formula enriched with chamomile to restore natural skin protection for a healthy scalp, while the Cetaphil Baby Gentle Cleansing Bar is ideal for teaching babies about hygiene as moms give them independence and the responsibility of caring for themselves with simple tasks like handwashing.
The Cetaphil Baby Daily Lotion is enriched with shea butter that soothes, nourishes, and keeps the baby’s skin hydrated for up to 24 hours.
The new Cetaphil Baby range contains calendula extract that has been used for many centuries due to its antibacterial and anti-inflammatory properties and includes Cetaphil Baby Wash and Shampoo, 2-in-1 formula that smoothens, softens, and improves skin texture. It is specifically designed to be used from head to toe daily.
The Cetaphil Baby Daily Lotion with Organic Calendula is especially helpful for the skin barrier of sensitive skin, providing 24 hours of skin moisturization.
Finally, for babies experiencing rough skin patches in cheeks, knees, elbow areas, or under those chubby folds, the best suited product is the Cetaphil Baby With Organic Calendula Advanced Protection Cream, which helps reduce the feeling of discomfort and irritation and provides long-lasting irritation for up to 24 hours.
To complement the existing lines, Cetaphil Baby also introduced its latest product: the Cetaphil Baby Gentle Wipes. This new product gently cleanses and moisturizes baby’s delicate skin and is made from 100% plant derived fabric. Made with natural ingredients like aloe vera and Vitamin E it helps prevent baby’s skin from drying out, making Cetaphil Baby Gentle Wipes ideal for face and body use of baby’s delicate skin.
House ownership is everyone’s dream because that is how we have been socially and emotionally conditioned. However, gradually, a slow shift in choosing a living place has been happening. People have been knowing the value of renting apartments alongside buying importance.
It is crucial to understand each benefit and negative aspect of buying and renting before taking a decision. Before we get into the pros and cons of renting versus buying a house, here are some questions you should ask yourself and discuss with your family. They will surely assist you to decide about buying a villa or living in a rental home.
Some of the possible questions could be: Whether you will prefer to high budget or a low one? How much time do you want to live at a particular location? Will you have enough money for house repairs and proper maintenance? Do you choose flexibility above stability or the other way around?
Pros of Renting
Easy-to-Follow Procedure
Undoubtedly house renting is a straightforward procedure. You are not required to go through time-consuming processes such as mortgage applications and home inspections. You are free to change your payment terms after exploring a new spot for yourself whenever you want. You can simply calculate how much rent you will pay by using an online calculator.
Adaptability
Renting provides you with the desired flexibility. You can select an option between renting and buying by taking care of your budget and preferences. You can also choose to relocate if your current residence is unappealing. On the other hand, buying a home may bind you to the same location in the long run.
Ease of use
Because of the lifestyle of convenience it provides, renting is quickly becoming a preferable option for many home seekers. Your owner will ensure the home’s security and you don’t need to worry about your house when you are not there. You can also use amenities like swimming pools and fitness centers without paying extra because the cost is included in the rent.
Cons of Renting
Instability
Genuinely, renting endeavors financial freedom but it is instable. Without ownership, you are not safe to stay in a longer run. Furthermore, your rent is likely to rise after each lease review. In addition, if you lose your work unexpectedly, you may also struggle to pay your rent.
Rental Requirements
You have to abide by the rental agreement’s conditions while renting a house. You cannot renovate, decorate, or make any changes to the house without the property owner’s permission. These requirements are somewhat restrictive and may limit your comfort. Furthermore, breaking these rules may land you in hot water and result in eviction.
There are no financial incentives
Depending on where you live, you may be eligible for various financial incentives when purchasing a home. Figure your loans, and you will see that homeowners may benefit from tax breaks, rebates for energy efficiency, and easy credit access. The landlord’s equity can be used to secure financing for other investments. Renting a home may help you build your credit, but it does not have any financial benefits.
Limited Equity
Although renting allows you to direct your funds to other investments, it has low equity. In essence, you cannot accumulate equity because the house does not belong to you. The landlord gains equity as the value of the home rises. While you are economically stagnant, your monthly rent is also assisting the homeowner in building equity.
Pros of Buying
Great Investment options
The most precious thing you can own is your house. Additionally, its value will progressively rise over time. Once the house is paid for, you will always have a place to live, regardless of what occurs, and you will be able to leave it to your heirs, giving them a significant advantage in life. Moreover, if you want your property to be sold, you will get a greater return.
Builds up Equity
The value of the property you own makes up your equity. When you pay off your mortgage or when the market value of your property grows, equity can grow organically. Making additional mortgage payments might also help it grow. Here’s how to determine your equity and access it.
If you’ve made additional payments to your loan, you may be able to redraw it or refinance it for a cashout. The money can then be utilized for remodeling, purchasing a new vehicle, or even as a down payment for a different home.
Owning a property is a great long-term investment
Renting a home entails paying your landlord and then having nothing to show for it the following month. Homeownership is a great investment because it forces you to save. When you buy a house with a 30-year mortgage and make monthly payments, you will eventually be able to sell it. However, if you rent a property for 30 years, you will never receive any of your monthly rent payments back.
Besides, owning a house gives you a sense of satisfaction that you can live in this house for as much time as you want and no tenant can put pressure on you to pay rent.
Earn extra money by renting out a room.
Being a homeowner, you can earn a handsome income through rent. You could hire a long-term tenant to rent out your basement or look for short-term tenants by renting out a room. Everything depends upon your owner about pricing. Therefore, you can charge according to yourself. There is no landlord to ask permission from or roommate to persuade.
The Cons of Buying
High Upfront and Maintenance Costs
Without a doubt, moving into a rental is less expensive in the long run than purchasing a home. If you’re like the majority of first-time buyers, you’ll need to be accepted for a mortgage and have funds set aside for the down payment and closing expenses. Although you have ownership of the house, you have to maintain it and a huge amount could be utilized for maintenance. You have to be more conscious and alert that everything is all right. So, before investing, always calculate your payments accurately.
Building Equity is time taking
Owning a property is no different from other investments in that it carries risk. Real estate values might decrease, and home equity doesn’t always increase. Economic circumstances at the regional or local level may cause home values to stagnate or decline. Additionally, you might have to accept a lower offer if you need to sell your house in a buyer’s market. Due to your high loan level in the early years of your mortgage, it is challenging to increase your equity through mortgage payments.
Additionally, selling a home often takes far longer than selling things like stocks when you eventually decide you need access to all the equity you’ve built up.
Difficult to move or relocate
Renting gives you a lot more freedom when it comes to relocating. While job transfers and relocations are simple to accomplish when renting, they may be quite difficult when done as a homeowner. The duration of the selling and purchasing processes can be a significant source of stress. Therefore, owning a property is generally not the best choice if you desire the freedom to move to a different place for a new career.
Wrapping up
So, which option is better, either renting or buying? The answer is that there isn’t a clear winner when deciding between renting and owning a property. The choice is unique to each individual and depends on several variables. Also learning how to utilize an online calculator will be great help to make a wise decision. Before considering renting or buying, it is still best to spend your time evaluating affordability and the effect it will have on your existing financial condition.
In the end, you’ll need to consider your goals—not only for where you’ll reside but for your whole financial situation. Although owning a home requires a substantial financial commitment and can provide a good sense of security and control, it may not be the best option for you in the long run.
Although renting may seem like “throwing money away,” it may be the ideal option for you if you value flexibility, minimal maintenance living, and the freedom to use your money for other things like investment or vacation.
