Asia’s best kept secret of youthful and firm complexion revealed— in the power of Japanese Persimmon. |
New and promising persimmon-based soap is a holy grail for ladies over 40. |
Asia’s best kept secret of youthful and firm complexion revealed— in the power of Japanese Persimmon. |
New and promising persimmon-based soap is a holy grail for ladies over 40. |
Union Bank of the Philippines (UnionBank) recently created the country’s very first mass retail banking hub, aimed at providing support specifically to micro, small, and medium enterprises (MSMEs) in the country as part of the Bank’s goal of enabling inclusive prosperity amid the current global health crisis.
The hub, a consolidation of all
entrepreneur-centric solutions offered by UnionBank, will provide a one-stop
center for resources that MSMEs might need in order to support their businesses
regardless of size—such as financing, logistics, and a buyer-seller network, to
name a few—all made accessible to mass market customers.
This was one of the topics at
UnionBank’s E-Talk Tales last February 17, wherein UnionBank’s Chief Mass
Market and Financial Inclusion Executive Manual G. Santiago, Jr. focused on how the Bank addresses the typical
pain points encountered by entrepreneurs, especially during the pandemic.
Santiago began the discussion by
first explaining what the hub’s target market is, which he defined as “the
middle-middle income level going down” which is also a mix of banked,
underbanked, unbanked customers.
"I think the definition for
SMEs is much more defined where we're really looking at micro, small, and
medium enterprises. So, these are your businesses with, for micro, 3 million in
capital, and then you have 15 million for small, and for medium, it's about a
hundred million in capital," he added.
According to Santiago, UnionBank
estimates this market at about 50 million customers, with the majority of them
being in the lower-income segments. In addition, about 60 percent of this
customer market classify themselves as self-employed entrepreneurs. “It's a
large market and we think this is a segment that needs attention at this time,
and we're putting our efforts into that.”
Santiago noted that a lot of
entrepreneurs today are very careful about their decisions when it comes to
their businesses, as a result of the uncertainties, brought about by the current
health crisis. This “wait and see” mindset is evident even in those who have
immediate access to financing.
“We've seen that in the way they apply for loans. You would think that because you have loans available that people are going to flock and apply,” Santiago said. “In fact, even those existing loans that we have that have reached the renewal stage, MSMEs would even say 'can you renew that at half the amount only, and I will just come back to you when things are better?',” Santiago said.
“It's a good thing because it
shows a sign of maturity, and you know, in this time, you can't be very
aggressive. You really need to think about your next steps to be able to
survive this crisis.”
With its vision of empowering SMEs through digital initiatives, UnionBank has already laid a lot of groundwork even before the pandemic to address SME challenges.
UnionBank Business Loan via UBX SeekCap,
an online Loan Marketplace where business owners and SMEs may easily browse
short-term business loan products and apply digitally. SeekCap allows SMEs to get
approval within hours.
The Bank has also created the SME
Business Banking App, an online platform that enables SMES to manage their
financial transactions by facilitating all business payments with the most
extensive list of government and utility billers, transferring funds to both
local and international banks, customizing complex business approval flows,
enrolling all companies and subsidiaries in a single-login setup, and opening
and managing payroll accounts for their employees, among others.
Shop for your everyday essentials and more at the PayMaya Mall!
Filipinos now have an easier way to shop for their everyday essentials and more and pay cashless for their purchases with the launch of the PayMaya Mall -- a one-stop shop for your mobile shopping needs all within your PayMaya app!
Whether you’re craving for your favorite meals at Jollibee or McDonald’s, looking to buy your groceries at Landers, or shopping for cool new sneakers at Nike, you can find everything you need and get the best deals at the PayMaya Mall.
With your favorite brands housed inside this virtual mall in your PayMaya app, going cashless for your everyday needs is now easier than ever. All you have to do is open your PayMaya app, tap PayMaya Mall and browse through over 100 of PayMaya's partner brands featured inside including Jollibee, McDonald's, Goldilocks, Rustan's, Park Outlet, Mercury Drug, Rose Pharmacy, Landers, AllHome and Boozy, among so many others.
And because you're transacting with PayMaya's trusted partner merchants, you can rest assured that you're only purchasing from legitimate sellers--whether it's a big lifestyle brand, a multinational merchant, or even local businesses.
“In the past year, PayMaya has enabled millions of Filipinos to utilize safe and convenient contactless payment for their everyday needs as we accelerated our push to build a 'Cashless Philippines'. With the launch of PayMaya Mall today, we’re taking this cashless convenience to the next level by bringing consumers the unique mall experience they have grown to love inside the PayMaya app. Now, on top of settling their bills or sending money to their loved ones, they can also pay for their groceries, order lunch, or shop for beauty products, all in one convenient mobile and cashless shopping experience,” said Mark Jason Dee, Head of Growth Marketing and Partnerships of PayMaya.
Enjoy the best shopping deals at PayMaya Mall
Shopping at PayMaya Mall isn’t just convenient and safe—it’s also the most rewarding way to go cashless. Whatever item you want to purchase, you can find it at the PayMaya Mall and enjoy the best deals through PayMaya’s Balik Bayad promos and exclusive offers from partner merchants.
To kick off your rewarding PayMaya Mall experience, PayMaya is bringing in the good luck this Chinese New Year of the Ox as it offers up to P880 cashback for your purchases inside PayMaya Mall. For a minimum spend of P300 paid using your PayMaya mobile number, you can get a 20% cashback of up to P88 per transaction. You can enjoy this offer up to 10 times until March 15, 2021, or a total of P880 in Balik Bayad savings!
Availing of PayMaya's Balik Bayad offers at the PayMaya Mall is easy, all you have to do is shop at any of the brands featured at this virtual mall, choose the Pay with PayMaya option upon check out and key in your mobile number to complete your contactless payment transaction.
On top of this Chinese New Year treat, you can also enjoy exclusive deals from your favorite brands at the PayMaya Mall. You can enjoy free delivery on your first Pick.A.Roo order (minimum of P500) just by entering the code PAYMAYAROO upon checkout; enjoy 12% off on your Rustans purchases, perfect for Valentine’s Day gifts; and even score a 5% discount on your Boozy haul for a chill Friday night at home.
“At PayMaya Mall, we want to make sure that our users get the best cashless shopping experience, and that includes bringing them the best deals from the brands they love. With these exclusive promos and cashback offers, it’s easy to say that whatever you’re planning to buy – be it grocery items or your favorite fastfood meal – talagang mas sulit ‘yan sa PayMaya Mall!” Dee added.
Getting your own PayMaya account and enjoying the convenience of PayMaya Mall is very easy. Just download the PayMaya app at https://official.paymaya.com/CAK1/425eb133 and register an account to find out what it’s like to go cashless with the fastest, safest, and most rewarding way to pay for anything online and in stores! Remember, for your everyday needs, don’t pay cash. PayMaya!
PayMaya is the only end-to-end digital payments ecosystem enabler in the Philippines with platforms and services that cut across consumers, merchants, communities, and government. Through its enterprise business, it is the largest digital payments processor for key industries in the country including "everyday" merchants such as the largest retail, food, gas, and eCommerce merchants as well as government agencies and units.
Through its app and wallet, PayMaya provides over 28 million Filipinos with access to financial services. Customers can conveniently pay, add money, cash out or remit through its over 200,000 digital touchpoints nationwide. Its Smart Padala by PayMaya network of over 37,000 partner agent touchpoints nationwide serves as last-mile digital financial hubs in communities, providing the unbanked and underserved with access to digital services. To know more about PayMaya's products and services, visit www.PayMaya.com or follow @PayMayaOfficial on Facebook, Twitter, and Instagram.
The Balik sa Bohol: Bohol Online Sale aims to further promote domestic tourism among the public and encourage them to see Bohol’s natural and cultural wonders. To avail of Balik sa Bohol: Bohol Online Sale deals, visit traveloco.ph/balikbohol.
“With the upcoming Balik sa Bohol: Bohol Online Sale, we look forward to more people travelling to Bohol to see and experience the beauty and wonders of the province,” DOT Secretary Bernadette Romulo-Puyat said.
She added, “We, at the DOT, along with provincial and local leaders in Bohol, are committed to protecting the health and safety of locals and tourists alike. Regaining the trust and confidence of Filipinos to travel again is essential to the revival of the tourism industry.”
SAFETY PROTOCOLS, DISCOUNTED RT-PCR TRAVELERS NEED TO KNOW
Health and safety protocols have been put in place by the provincial government so tourists can make the most out of their time in the province.
Before visiting Bohol, travelers must have a negative reverse transcription-polymerase chain reaction (RT-PCR) test taken 72 hours before the date of travel, pre-booked accommodations at DOT-accredited or Ultimate Bohol Experience (UBE) certified establishments, travel itinerary including confirmed tour bookings through DOT-accredited tour operators (if going on tour), and registration in the Province of Bohol website at tourism.bohol.gov.ph for the issuance of personal QR codes that will serve as the tourists’ electronic IDs. Bohol allows the use of saliva RT-PCR tests in place of nasal and throat swabs as of February 2, 2021.
Tourists coming from Metro Manila are encouraged to apply for the subsidized RT-PCR test at the University of the Philippines-Philippine General Hospital (UP-PGH) or at the Philippine Children's Medical Center (PCMC) for as low as PHP900 and PHP750, respectively. To avail of this 50% discount, visit the site at www.tpb.gov.ph/rtpcrphtravel.
To check out up-to-date information regarding destinations that are open and the safety protocols and requirements needed for each location, one may visit www.philippines.travel/safetrip or download the Travel Philippines app at app.philippines.travel or the Google Playstore.
THINGS TO DO IN BOHOL
With the travel sale, more people have a chance to see the gorgeous sights and experience fun-filled activities in Bohol. Among these is the Alona beach, a stunning 1.5 km stretch of white-sand beach, famous for being a must-visit spot for those who love snorkeling, scuba diving or even those who just like to relax and watch the sunset. Travelers can also island-hop to Balicasag and Virgin Islands to explore Bohol’s marine life.
When one speaks of Bohol, the Chocolate Hills cannot be left out. These 1,776 individual hills spread across six towns have attracted tourists from many generations for their uniqueness and vastness. The Philippine Tarsier Sanctuary, a place dedicated to saving the lives of endangered tarsiers, is also open for those who want to learn more about these small nocturnal primates.
ATV rentals, zipline, cable car rides, stand-up paddleboarding tours, and water bike rides are also available for those who are in for a little adventure.
FEATURED PARTNERS AT THE ONLINE TRAVEL FAIR
Participating establishments and tour agencies for the Balik sa Bohol: Bohol Online Sale include the following:
Amarela Resort
Amorita Resort
Be Grand Hotel
Bohol Bee Farm
The Bellevue Resort
Best Western Plus The Ivywall Panglao Resort
Bluewater Panglao Beach Resort
Bohol Beach Club
Chocolate Hills Adventure Park
The Acacia Glamping
Donatela Resort and Sanctuary
Loboc River Resort
Mithi Resort and Spa
South Palms Resorts Panglao
Modala Beach Resort
Angels Wings Travel & Tours
Baclayon Travel & Tours
Bohol Holidays Travel & Tours Inc.
Coordinates Tours and Travel
Dagohoy Travel & Tours
Travel Village
Balik sa Bohol: Bohol Online Sale is sponsored by Cebu Pacific Air and is powered by Atlantis.
Television occupies an important place in our life. Television sets have become a part of an essential household item. Local news, streaming and on-demand movies have all spiked in viewership, receiving rating bumps from people of all ages. Television is an inescapable part of modern culture. We depend on TV for entertainment, news, new technology, education, culture, weather, sports and music, since the advent of music videos.
Looking for an appliance especially a TV is not an easy
task as there are many things that need to be considered before deciding which
one to buy. With hundreds of TV brands and models to choose from, it’s a good
idea to know before you buy which brands are generally reliable and
budget-friendly.
A TV is an integral part of every home more on these days, for most people, young and old, students, working or business people, lockdown, and working from home. TVs are considered an investment too, a centerpiece worth investing in.
First and foremost, you should be sure that the size, fits in your house, the resolution, weight, dimensions, and inputs of your TV meet your needs. And the price.
Xtreme Appliances offers Xtreme S Series Smart TV. This
bestseller is reasonably priced and comes with new features like a built-in
SoundBar and Wi-Fi connection.
The XTREME 43-inch MF-4300s Smart TV is another noteworthy option that packs in several interesting features in a compact package. It sports a 43-inch display panel with Full HD resolution and the standard 60Hz refresh rate. Xtreme MF-4300S 43" S-Series Full HD Digital Smart TV with Built-in soundbar by PureSound, Pre-installed with Netflix and Youtube application, WiFi Ready, FHD Ready.
The remote has dedicated buttons to launch the respective apps. Connected to just a power outlet and the home Wi-Fi network, in a matter of minutes, it was up and running.
The XTREME 43-inch MF-4300s Smart TV follows a minimalistic approach and looks really classy. It gives a decent quality. Just the right audio and visual quality I like and enjoy.
The XTREME 43-inch MF-4300s Smart LED TV display that can be wall-mounted or screwed on top of a flat stand that comes bundled with the TV. The said stand is confidence-inspiring and extremely stable,
SOUNDS
Made by a built-in soundbar with two 12-watt front-firing
speakers by Pure Sound
Tha PureSound managed to produce sounds that are good enough
for most situations. Pure Sound is able
to dish out quality sounds even if it’s at the highest volume or the lowest.It
is clear, loud, and could easily fill a fairly big living room. The quality of
sound is also impressive with good sound staging.
DISPLAY
XTREME 43-inch LED TV display
that delivers a vivid viewing experience. Viewing angles are satisfactory. It is
one Smart TV that delivers deeper and richer colors to offer a realistic
viewing experience. delivers one of the absolute best home cinema experiences
CONNECTIVITY
43" XTREME "S" Series Smart TV is very well covered for general consumers. It
connects with our home Wi-Fi and peripherals quickly and seamlessly. Like most
smart tv, it also has a built-in Chromecast and casting works absolutely fine
43” XTREME S Series Smart TV =
₱16,495
For the budget price, basics like display, audio quality,
connectivity and app support are handled better than what we usually get with
other TVs in this price segment
PERFORMANCE
Xtreme MF-4300S 43" S-Series Full HD Digital Smart TV with Built-in soundbar by PureSound, Pre-installed with Netflix and Youtube application, WiFi Ready, FHD Ready, and FREE Wall Bracket
PRODUCT INFO
43" XTREME "S" Series Smart TV
43" Digital Smart TV
Built-in soundbar by Pure Sound
Pre-installed with Netflix and Youtube application
Wi-Fi Ready
FHD Ready
DIMENSION: 1128x142x675
FREE ITEM: Wall Bracket
Many consumers are now looking for a Smart TV to perform
such tasks equipped with the latest technology and to experience the next level
of entertainment. A great thing that XTREME Appliances offers their new XTREME
S Series models
With a highly functional Smart TV that covers the basics, the
XTREME 43-inch MF-4300s Smart LED TV is great for people with lifestyle and
business activities at home.
XTREME S-series Smart TVs combine the best and smart quality with the best price.
The XTREME 43-inch MF-4300s Smart LED TV with a built-in Pure Sound, Wi-Fi connectivity, and a very reasonable price for only = ₱16,495 available online and authorized appliance stores nationwide.
For more details, please visit XTREME Appliances onFacebook, Twitter, Instagram, TikTok, and YouTube.
For a full list of products, check out the brand’s official website, https://www.xtreme.com.ph/and online stores on Lazada and Shopee.