Monday, December 26, 2022

MRS.WISE FINANCIAL RESOLUTIONS FOR 2023

As I am writing this personal article on my “financial” journey as a freelance-working mom, I reflect on what the 2-year (and still counting, for I believe it is not yet over) pandemic has taught me as far as handling my finances is concerned.   The start of a new year is the perfect time to set our goals related to personal finances. Starting the year with a clean slate and creating a solid plan for money matters is a big help to reach your savings and investment goals to achieve financial success. I hope my tips will help you make 2023 the best year ever in terms of savings and investments!  


AVAIL OF BIG DISCOUNTS BY PAYING TAXES EARLY.

At the end of the year, I always    make it a point to save money to pay for our real estate taxes early, that is during the first    month of the year. In doing so, I get 20% discount every year by diligently paying our taxes early.  The discount that I get, goes directly my savings account, that earn interest in the   long run. 

PAY OFF CREDIT CARD DEBT

use my credit card for all purchases related to the Holidays. By doing so, all the points I earn, I use to pay off my credit card annual fee. The   remaining points goes to buying things as a reward for myself.   


BUILD AN EMERGENCY FUND

It is of utmost importance that everyone has an  emergency fund, which is an ideally 3-6 months of your monthly expenses.  During the  pandemic, when events and TV shows were put to a halt, I depended heavily on my emergency fund. 

ONLINE VS IN-STORE SHOPPING

The pandemic has forever changed our online  shopping behavior. Most people lessen depression and anxiety by doing online purchases, I used it as an opportunity to save. I only shop online when there is FREE shipping, big discounts compared to buying things in store and when I get vouchers or coupons for buying in bulk. Online shopping also help me save more because I do not have to pay for gasoline to go to the store and the time spent in driving and queuing. Time is much more valuable than money because you can use your time to make money, but you can't use the money to purchase more time.   

GET INSURED

Freelancers like me have to take care of themselves. They need to  assured that in times of crisis and emergencies, they will have money stashed somewhere,  that can at least, give you peace of mind. This year, our family had a big medical emergency. My eldest daughter had a spine surgery and it cost us a fortune. Big help that we have insurance to cover 40% of it.    

USE TECHNOLOGY TO YOUR SAVINGS ADVANTAGE

I have Netflix   subscription. And every month I get notified that payment will be deducted from my mobile e-wallet. Why  not use the same technology to save? I have set up an automated savings process, that  digitally transfers money to a savings account every 1st day of the month. This way, I won’t forget and I get to save the same amount of money. Savings goal achieved!   

PLAN FOR RETIREMENT

Experts say that saving 5% to 10% of your gross income should be your target savings goal for retirement. This percentage doesn’t include the  amount you’re saving in your emergency fund. My retirement fund is actually in high risk  investment that I grow every month, and I am not allowed to with draw from, not until I am  of retirement age.    


I know that setting financial goals is not an easy task. But with good  financial habits we can make it work. We need to have consistency and the drive to fulfill our goal. Be realistic,  and always keep track of income, expenses and spending habits.     

Friday, November 25, 2022

UST’s Henry Sy Sr. Hall to boost health education

Pursuing its objective of driving Philippine social development by fostering the youth and the culture of excellence through education, the Henry Sy Foundation, Inc. (HSFI) recently inked a partnership with the University of Sto. Tomas (UST) Research and Endowment Foundation to construct a building that elevates health education in the country.   

Named in honor of the late SM Founder, the Henry Sy, Sr. Hall of UST will rise on the main campus in Manila to respond to the needs of digital medical education.   

Designed by CA Ventura & Partners, the upcoming Henry Sy., Sr. Hall in UST is envisioned to propel the health and education of future physicians in the country


The Hall will feature technologically advanced facilities and equipment that complement UST’s teaching, learning, and research practices. Focused on interdisciplinary collaboration in medical studies, it will also house the simulation and research facility of the UST Faculty of Medicine and Surgery (UST-FMS).    

Paragons with passion   

Fr. Richard Gaw Ang, OP, Rector of UST, thanked the Sy family as they work together to provide the best education to future physicians and increase UST’s research productivity to fill the gaps where communities are disadvantaged.  

“Your family consists of industry leaders who have visions for the Filipino community. Your choice to support this endeavor of the UST Faculty of Medicine and Surgery is a significant stamp of approval to the work and tradition of this medical institution,” Fr. Ang said in a letter to the Sy family.   


 Leaders of Henry Sy Foundation Inc. (HSFI), led by the Sy family (L-R: Harley Sy, Hans Sy, Elizabeth Sy, Debbie Sy, Tessie Sy, Henry Sy Jr, Engr. Ramon Gil Macapagal (extreme right)) , formalize its partnership with the University of Sto. Tomas (L-R: UST Rector Fr. Richard Gaw Ang, OP, Dr. Ma. Lourdes Domingo, Fr. Angel Aparicio, OP, Fr. Maximo Gatela, OP)


“Your family’s Patriarch, Henry Sy, Sr., had principles in life that we, as an institution, give our best to also follow. We aim to lead as paragons with passion, integrity, far-reaching and optimistic vision, sensible priorities, and discipline. At the core of this is a deep sense of charity for God, the church, and the nation,” Fr. Ang added.   

UST’s future Henry Sy, Sr. Hall  

Rising as an intellectual hub for future physicians, the building has a dedicated floor for the Faculties of Medicine and Surgery Research Center and the Medicine and Surgery Graduate Programs and Ethics Review Board. Here, medical education research and various medical-related specialty research will be reviewed and conducted.   

The building will include specialized centers, rooms, and laboratories, such as Medical Simulation Centers and Care Ultrasound Institute, and Otorhinolaryngology Laboratory. These will be equipped with cutting-edge tools and technology to develop medical students’ competencies in multiple simulated healthcare settings crossing the human lifespan.  

The HSFI is a non-stock, non-profit organization inspired by SM founder Henry Sy, Sr.’s desire to aid educational institutions to drive Philippine social development. Its projects are undertaken in partnership with the SM group and its foundations to honor the SM founder by supporting educational institutions in promoting academic excellence as a key to a brighter future for the youth. Through the years, the foundation established and supported several academic infrastructures, such as the Henry Sy Sr. Primary School Building in Xavier School, Nuvali Laguna; Henry Sy Sr. Innovation Center in Miriam College, Quezon City; NU Sports Academy in Calamba, Laguna; NU Nazareth School in Manila; and a Henry Sy Sr. Hall each at Immaculate Conception Academy, San Juan City, and Assumption College. 

Friday, November 11, 2022

ITS A HAPPY CHRISTMAS AT THE SM MALLS

SM Supermalls brings back the excitement in every visit, joy in every sight, and a magical connection in every experience that will make every Filipino’s Christmas happier and brighter.


Ode to outer space: An out-of-this-world celebration starts at SM Megamall

SM officially ushered the holiday season with an out-of-this-world celebration at the Mega & Bright: Christmas in Space 2022 at the SM Megamall on October 20. 

The mall’s mega Christmas Tree decked in stars and lights was lit, signaling the start of SM’s nationwide Happy Christmas campaign. And starting October 20 until December, SM shoppers can have a glimpse of the universe through SM Megamall’s Mega Space Odyssey. The 3D LED tunnel transports individuals into space and allows them to view it immersively. 

If you missed the SM Megamall Christmas event, there are still more ways to celebrate the joys of the holidays. SM Supermalls has lined up exciting and festive activities just for you and your loved ones! Check out the details below:


More Christmas Tree lighting activities in your favorite SM mall!

Apart from SM Megamall, other premier SM malls will light up their massive 50-foot Christmas trees to share hope, joy, and love with every SM shopper. Check out the dates below so you can drop by your favorite SM mall and watch the lighting of its dazzling trees full of lights, stars, and colorful ornaments.



Santa-approved Christmas Playpark

Witness as your favorite SM mall opens a new world of Christmas with towering centerpieces, functional spaces, and sprawling activities at the Christmas Playpark. Explore the Christmas markets and play areas, and watch out for Santa appearances, character meet and greets, and other surprises! Plus, you also get to have a multisensory experience at the playpark’s light and sound shows, festive eats and holiday treats, and a whole lot more scents and feels that will embrace you in holiday warmth and ambiance.


Sparkling lights to brighten up your holidays

Christmas won’t be festive without lights. Be in awe as you pass by hallways decked with twinkling lights, illuminated tunnels, beaming driveways, and lit parking spaces as they glow at their best. 


Dining out al fresco style at the Super Spots decked with lights

SM Supermalls has also created outdoor attractions for that picture-perfect, memorable shopping, dining, and leisure activities for the whole family. At The Podium, shoppers are in for Joie De Vivre with its Holiday Night Cap on October 21-23 and 28-30 at the ADB Al Fresco, and the Food Lab on October 24-30 at the Atrium East Level 2 so everyone can discover new food specials this Christmas. You can also enjoy special treats, promos, and exclusive deals from your favorite restaurants and food merchants at the SM mall near you!


Turn Christmas AReality at SM

Don’t miss out on a phygital Christmas experience as SM incorporates the festive season with Augmented Reality. In SM Megamall, four AR filters have been made available, including Santa Claus, Reindeer, Snowman, and Sparkle. You just need to scan the QR code at the SM mall near you and see the Christmas centerpiece and magical spots come alive!




Check out the Happiness Stations

SM installed various happiness stations where you can create lasting memories with family and friends. Spot the giant bears with lights at Bears of Joy corner, the happiness photo wall, the Christmas tree decors with your family photos, or the huge TV screen where you can watch your recently filmed Tiktok or IG video at your favorite mall.


Make your furbabies feel the happiness and love

Christmas is for the whole family including furbabies! Make them happy and feel loved by joining the Holiday Paw Play Dates and Costume PAWty. You can also flex them at the Christmas photo challenge and win amazing prizes, or shop for them at the Christmas markets. Also, SM Supermalls will be partnering again with organizations for a pet adoption drive so you can help the little ones find a home in time for the holiday.


Unlock a bigger, better, and brighter virtual Christmas Village

SM will reopen its virtual Christmas Village to bring an exciting, engaging, and rewarding holiday experience to Filipinos. Check out https://gosm.link/ChristmasVillage2022 as it goes live from October 28 to January 5 for an awesome augmented reality shopping, dining, and leisure experience. Create your own avatar, e-meet fellow shoppers and SM ambassadors, and enjoy bonding time with your family and friends while playing fun games at the immersive virtual Christmas zones made for you.




Create circles of happiness by buying products for cause-oriented programs 

Since it’s the season of giving, you can support cause-oriented advocacies of individuals and organizations by purchasing products that provide opportunities and livelihood to marginalized sectors. For this year’s 100 Days campaign, SM partnered with bag designer Zarah Juan, Spark PH, the Girl Scouts of the Philippines (GSP), the Association of Foot and Mouth Artists of the Philippines, and the Quezon City LGU for its Vote to Tote initiative.


“This Christmas, we are sending a message of happiness to every Filipino. With every activity we have for them, we hope to inspire everyone to spread sparks of happiness in their homes and communities as we celebrate this year’s holiday festivities,” said Steven T. Tan, president of SM Supermalls.


A new light of experiences will bring happiness and kindness to every Filipino as SM Supermalls create more magical memories and opportunities to touch other people’s lives this holiday season. Check out www.smsupermalls.com and follow @smsupermalls on all social media accounts to stay updated on the various holiday happenings.