Friday, January 15, 2021

BUYING AND RENTING A HOME DURING PANDEMIC

Since the COVID19 pandemic hit the world and lockdowns were implemented, people's lifestyle has drastically changed and it affected some of their major decisions in life such as home buying and renting. Most people thought that living in the rural might be the best decision while there is an ongoing pandemic, but that is not always the case like what Bloomberg had featured regarding the real estate moves during COVID19 of people from the US, UK, and Australia.


There are still a lot of factors to consider before buying or renting a space for you or for your family. Some of those are the nature of your work and work location, your personal needs and the needs of your family especially the kids and elderlies, the amount you can afford, the amount you can save, and a lot more factors that are important for the day-to-day living and survival amidst this extraordinary period.

For sure, we are like those people featured in Bloomberg who are still in the process of choosing whether to buy or rent. To help you decide which makes more sense or which might work for you in the long run, you might be needing a Rent or Buy Calculator. This site features two calculators which enable people to quickly decide if it is likely to make more sense to rent or to purchase a home.

The Basic Rent or Buy Calculator

This basic calculator shows how much home you can afford to buy while paying a monthly payment equivalent to your current rental payment. You can use this tool if you know you will live in the home for an extended period of time and have no intent to sell it anytime soon and just want to see what will match your current rental spending.

Using the basic calculator, you can estimate the loan size you could pay for based on your current monthly rental payment. The app automatically subtracts the cost of property taxes and homeowners insurance from the rent amount to come up with the equivalent loan size. 

 

Let’s take someone living in Chicago as an example. According to 2019 data, the median rent for a one-bedroom apartment in Chicago is $1100. You have to put that value in the space provided in Mortgage Details’ Monthly Rent Payment. 30 years and 4 % APR is standard, so basically you don’t have to change these values as it will not have a huge effect on the result, same with the PMI.

Your affordable loan amount depends on the monthly rent payment, so if you have a high monthly rent payment your loan amount also increases. The ownership expenses, on the other hand determines how much is the affordable loan amount, so the higher your ownership expenses, such as the annual property taxes, annual home insurance and monthly HOA fees, the lower you loan amount would be.

The price of your home is dependent on your down payment, the price increases as your down payment also increases. It is advised that you pay at least 20% equity to avoid 
paying for PMI on top of the regular monthly home payment.

At the bottom part, you’ll see the current mortgage rates. 
It is very helpful when looking for a lender, because different lender offers different rates at different locations. Credit score is also very important as most of the lenders prefer a CC of above 700.

The Advanced Rent or Buy Calculator

This tool offers more features that can be used to compare the longer term impact of inflation, real estate appreciation & real estate transaction costs when determining which option better suits a person’s needs. You can also use this tool if you think you are likely to sell the home in a few years.

This advanced calculator might be a bit complicated and you might be needing professional or people with proper experience to explain things better and clearer, but it is still very helpful to get the ideas and broader scenarios in buying or renting.

Both calculators come in handy, especially nowadays that we still cannot go out for extended period to see brokers, agents or experts to help us decide. This is a free tool which gives us a lot of information that we need as a buyer, so don’t forget to check it out.

 

Tuesday, December 22, 2020

TECNO Mobile launches new AI-powered, revolutionary TECNO Spark 6 Series - A smartphone for the masses


Recognizing the evolving need for high-performing, multi-tasking and affordable smartphones during these challenging times, global premier mobile phone brand TECNO Mobile has launched its latest innovation, the TECNO Spark 6 Series.


The TECNO Spark 6 Series is smartly designed for work and play, and is competitively priced to give locals the best value for their hard-earned money. Price ranges from PhP3,990 to PhP6,490. The Spark 6 Series is packed with six upgraded features - a unique camera system designed to elevate photographic immersion to the next level, bigger screen, more generous memory and storage, boosted processing speed, enhanced video call experience, and a fun Bluetooth audio share feature.



Ye Yuan, Deputy General Manager of TECNO Mobile, said: “Now more than ever, the smartphone is a necessity. It is an essential link to the outside world – for remote working, online learning, staying in touch with loved ones, getting news, and for entertainment. Our goal is to make advanced, innovative smartphones more accessible to more people. TECNO Mobile’s smartphones are affordable, and that includes the latest TECNO Spark 6 Series. We continue to develop our smartphones with the consumers’ changing needs.”  


The Spark 6 Series comes in three (3) amazing variants – Spark 6 4GB RAM+128GB, and Spark 6 Go in 4GB RAM +64GB and 2GB RAM+32GB. These all have a high performing, impressive battery life, and a sleek, simple yet bold design. The Spark 6 Go variant was the first to be released this November, and is available in all TECNO Mobile partner retail stores.



Here are some of the features packed into the powerful Spark 6 Series that everyone can enjoy:


Spark 6 Go

  • A 13-megapixel AI Dual camera and 8MP front camera, AI lens with 18 different scene detection, up to 95% recognition rate and upgraded algorithms. The 13-megapixel primary lens supports 4x digital zoom with F-1.8 big aperture that captures more light at night, and processes image details more finely.

  • Various shooting modes for the AI Dual camera, including Bokeh, AI Beauty, and AI HDR, among others. Full picture details and quality are greatly improved, plus a dual rear flash fills light in dark environments to ensure better photos.

  • A Bluetooth Audio Share feature that can connect to multiple wireless Bluetooth headsets at the same time, enabling users to listen and watch with friends. 

  • A 6.52 inches dot in display screen with 20:9 screen aspect ratio and 720 x 1600 resolution for a wider, clearer, immersive display effect, rich color contrast, and great visual experience.

  • A 5,000 mAh battery that stays charged longer, ideal for photography, gaming, browsing, video streaming and music. 

  • HiOS for a more intelligent and convenient user experience, with a brand new dark theme feature that uses less phone battery and causes less eye strain.




Spark 6

  • A 16-megapixel AI quad camera with a depth lens. This 16MP primary lens can work as a macro lens, and AI lens with AI Scene Detection that can recognize 18 different scenes with a 95% recognition rate.

  • Quad lens that provides high definition portraits, macro photos, and immersive AI video experiences with features like ‘Video Beautify’, ‘AI Beauty’, ‘AI Body Shaping’, and ‘AR Interaction’.

  • Android Q with a G70 processor, and 4G long-term evolution (LTE) network connectivity for improved performance, and allowing for a wide range of user customization. The operating system is also equipped with utility applications that allow users to free up memory, freeze applications, limit data accessibility for specific applications, and other useful features. 

  • A Bluetooth Audio Share feature that can connect to multiple wireless Bluetooth headsets at the same time to enable users to listen and watch with friends. 

  • A 6.8-inch high-definition (HD) dot in display screen that gives a perfect screen ratio for an extremely sharp display and much broader viewing experience. 

  • A 5,000 mAh battery that ensures top conditions for photography, gaming, browsing, video streaming and music with every full charge. 




The Spark 6 Series is available at TECNO Mobile partner retail stores, and comes in three models – Spark 6 4GB RAM+128GB priced at PhP6,490, Spark 6 Go 4GB RAM+64GB at PhP5,490, and Spark 6 Go 2GB RAM+32GB for only PhP3,990. For a complete list of stores, visit http://bit.ly/TecnoStoresPH


To stay updated on products and the latest offering from TECNO Mobile, visit www.tecno-mobile.com/ph and follow TECNO Mobile Philippines on Facebook.


Monday, December 21, 2020

DEFENSIL ISOPROPYL ALCOHOL WELCOMES RICHARD GUTIERREZ, SARAH LAHBATI AND KIDS AS BRAND AMBASSADORS


Defensil 70% Solution Isopropyl Alcohol continues its campaign to be Filipino families’ ally in germ protection in the new normal as they welcome newlyweds, Richard Gutierrez and Sarah Lahbati, together with their adorable kids Zion and Kai, as their brand ambassadors. 


ADJUSTING TO THE NEW NORMAL WITH DEFENSIL ISOPROPYL ALCOHOL


Richard and Sarah, who got married in a solemn ceremony earlier this year, celebrated their new life together in quarantine. While being stuck at home was an opportunity for them to spend more time together as a family—planting, painting and playing all sorts of games, they also needed to go through a lot of adjustments as a family.  

One adjustment that they had to do was to look for better ways to protect their family against germs, with the threat of the virus still continuing up until now. They found their newest ally in Defensil 70% Solution Isopropyl Alcohol, which promises a higher level of protection against germs and viruses.  

“We believe in innovative products. Not only does Defensil come from a company we trust, Defensil 70% Solution Isopropyl Alcohol is also recommended by experts,” said Sarah.  

“And since we use alcohol more frequently to sanitize, I also like how it not only kills germs and bacteria, but also has moisturizer to not dry our skin,” she added.  


One way to prevent the spread of germs is regular disinfection of hands and high touch surfaces using a rubbing alcohol. To provide a higher level of defense against germs in the new normal, the Philippine Society for Microbiology is recommending Defensil 70% Solution Isopropyl Alcohol. 

Created by Beauty Elements Ventures Inc, Defensil 70% Solution Isopropyl Alcohol kills 99.9% of germs to give Richard and Sarah’s family the peace of mind that they are well-defended. It starts to kill germs on contact and upon constant use, provides up to 12-hour protection.  

NEW NORMAL HOLIDAYS

Celebrating the holidays is surely going to be different for the Gutierrez family this year. For Richard and Sarah, social distancing is something that they’re keeping in mind as they celebrate the holiday season, along with making sure that everyone sanitizes and disinfects using Defensil.  

The family wishes to go on a local holiday trip with family bringing their new ally, Defensil. With this, Sarah shares three simple tips to fellow parents on how to keep their family safe from germs during the holiday season.  

First, social distancing is a must. Second, always wear a mask. It is important for parents to teach their kids the importance of wearing masks, which help to prevent the transmission of the virus. And, lastly, always disinfect with an alcohol that makes sure you and the family are well-defended— like Defensil Isopropyl Alcohol.  

Worried about germs? Keep your family safe with Defensil Isopropyl Alcohol! The Gutierrez family uses Defensil for its germ-killing action and long-lasting protection, so they can spend more worry-free and germ-free quality time together. For protection that's real, choose Defensil Watch this video!





A MOM'S QUICK GUIDE IN CHECKING THE LABEL OF ALCOHOLS



To know more about Richard and Sarah’s newest ally, Defensil 70% Solution Isopropyl Alcohol, visit their Facebook page at https://www.facebook.com/defensil.philippines.  

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Defensil 70% Isopropyl Alcohol was tested against Staphylococcus aureus, Salmonella typhimurium, Escherichia coli or E. coli and Candida albicans