Do you consider a soap-free skin cleanser for your personal hygiene of your daily activities in you home, office, theaters, arena, gym, restaurants, vehicles and other areas in the community? We have the sense of feelings to consider cleanliness in the environment that starts with our family.
It’s my pleasure to have received a soap-free skin cleanser from a 100% Filipino-owned pharmaceutical, nutraceutical and cosmeceutical company, Nutramedica Inc. In deed, I can use this product during my travel, meetings and other related activities in my daily living. A product that I can bring to any places with ease and convenience.
“SENSIFIL” soap-free skin cleanser is a gentle, effective skin cleanser for sensitive, dry and normal skin. It moisturizes and conditions the skin while removing of dirt, impurities and other unwanted residues without stripping the skin essential moisture. With the addition of virgin coconut oil, Aloe vera and Vitamin E, you can enjoy a clean, soft and smooth skin after each use.
With fragrance-free, pH balanced, nourishing and moisturizing soap-free skin cleanser, use SENSIFIL this day and beyond.
Applying for a mortgage is your key to achieving the home you have always dreamed of.
Unless you are ultra-rich, purchasing a home would require financing from banks and other lending institutions. Owning a home is easier said than done; a big chunk of the process is applying for a loan.
The ball is now on the side of home buyers; they have to prove that they are financially capable of taking on a huge responsibility, which requires prudence and commitment. These are the things you have to do to make sure your home loan application gets the green light.
Have a steady and stable source of income
One of the biggest red flags for banks and lending institutions is an unstable source of income. After all, your income stability will affect how consistent you will be able to settle your monthly mortgage repayments. For a higher chance of getting your home loan approved, you have to have steady employment for at least two years. This assures the banks of your financial readiness.
If you consider yourself as self-employed or freelancing, you have to be able to prove how much you earn on a monthly basis. While banks consider freelance employment risky, you can still get a decent home loan offer. Just show the banks that your income flow is steady and you have an ample amount of savings.
Save up for a large deposit
It is advisable to save up for a large down payment first to secure a home loan. This reduces the loan-to-value ratio, which is a big consideration for banks. As a rule of thumb, you should only borrow up to 80% of the total value of the home you are planning to buy. Your savings will cover the rest. The lower the amount you intend to borrow, the higher the chances that your loan will get the go-ahead.
A considerable amount of savings also shows that you can handle your finances, which is a big plus for lenders.
Educate yourself
Purchasing a property entails a lot of responsibility and commitment from you as a homeowner and as a borrower. Learning about the mortgage market would give you a working knowledge of the home loan approval process, and allows you to build up a reliable credit reputation.
Be consistent with your other debt repayments
Your credit history is perhaps the most crucial determinant in your home loan application. It should be a habit for you to pay bills consistently. Banks often do credit checks with other banks or billers to gauge your ability to meet their repayment requirements. They will scrutinize everything from late and missed payments, defaults, overpayments, and other relevant information that would help them see how risky or safe you are as a borrower.
If you have a bad credit history, it’s not too late to turn it around and settle your accountabilities. Seek options on how you can rebuild your reputation as a responsible borrower.
It is important to note, however, that having no credit history at all will not necessarily translate to a good home loan application. As mentioned earlier, banks would want to see how consistent you are in paying your dues. In a way, having existing loans is better than having none at all. If you are not a fan of credit card or other loans, you can instead submit your phone and utility bills. Even insurance statements can give banks an idea of how you are as a client.
Do not submit multiple applications with different banks
Never go on a fishing expedition and apply to multiple lenders for a home loan; banks might see it as bad behavior and an indication of a higher risk.
Instead, make a list of banks or lenders you wish to avail home loans from and research about their mortgage products, benefits, interest rates, and disadvantages. Submit your application to one bank at a time. If you do not get approved at the first one, move on to the next lender on your list.
Have a guarantor
A guarantor is someone who will be of help to you when unforeseen circumstances result in you not being able to make repayments for a period of time. First-time home buyers usually sign their parents up as their guarantors.
Guarantors who have a good credit standing can boost your application and get it approved in no time. It is also an advantage if the guarantor was a previous client of the lender you are submitting your application to.
Explore your options at the Lamudi Affordable Housing Fair
Lamudi’s Affordable Housing Fair in Glorietta 3 Activity Center in Makati City is a great avenue for you to know every nook and cranny of home ownership—from selecting a house that fits your needs to applying for a mortgage that suits your financial health.
Home loan experts will grace this two-day event to give attendees a seminar on the Philippines mortgage market. Banks and lending firms will also be present to showcase their home loan products for potential home buyers.
Mortgage Application
The Lamudi Housing Fair will be on June 30–July 1, 2018, Saturday to Sunday. To register for the event, click here.
All across Asia, a hotly-debated topic amongst business leaders, government policymakers, academics and industry experts is the potential impact that Artificial Intelligence (AI) will have on society.
Understandably, some take a cautious view when it comes to AI development, sometimes painting a grim, dystopic future where large swathes of the population are rendered jobless, access to AI is not evenly distributed amongst citizens, and privacy and civil liberties are increasingly under threat from AI’s insatiable need for data.
There is no denying that AI will present a new set of societal challenges that will need to be navigated thoughtfully and carefully and, in particular, it will be critical for all organizations to build trust in AI amongst their customers and stakeholders.
However, these concerns should not overshadow the enormous potential that AI offers society.
Here are five key areas where AI has created remarkable developments and improvements in Asia.
Accessibility
Asia-Pacific is currently home to 690 million people with disabilities. AI can help people with vision, hearing, cognitive, learning, and mobility disabilities perform daily tasks more independently, lead a richer, more productive life and participate more fully in society.
For example, Seeing AI is a free app that leverages AI capabilities to identify a broad range of visual cues – including faces, emotions and handwriting. That data is then converted into audio descriptions for the visually-impaired. This enables the 285 million people in the world with low vision to better navigate their day, making the visual world more accessible.
Seeing AI app turns the visual world into an audible experience for the low vision community.
Agriculture
Today, Asia is the world’s most populous region with more than 4.5 billion inhabitants, approximately 60% of the global population, and this number is forecasted to grow to over 5 billion by 2030. This will put incredible strain on the region’s already-challenged food supply chains unless farmers can find new ways to keep up with demand, such as leveraging AI and analytics to greatly improve their yields.
In India, Microsoft has partnered with a non-profit organization, International Crop Research Institute for the Semi-Arid Tropics (ICRISAT), to develop an AI Sowing App that sends advisories to farmers on the optimal date to sow their crops, based on weather conditions, soil, and other indicators.
The solution predicts the optimal sowing period by using AI to analyze 30 years of historic climate data and calculate the adequacy of rainfall and soil moisture using real-time data and weather forecasting models. In addition, the program does not require farmers to incur capital expenditure, such as installing sensors in their fields, making this optimal for emerging markets.
One of the most pressing challenges of the 21st century is the changing climate, and how it threatens human health, infrastructure, and natural systems. A leading cause of climate change is carbon emissions.
Microsoft is embracing the responsibility to operate sustainably and reduce the environmental impact of its business. One of the ways it doe this is by enlisting AI’s help to manage the operations and infrastructure of our data centers. As a result, less electricity is needed to fuel data centers’ computing and cooling requirements. In fact, cloud services are 93% more energy efficient and up to 98% more carbon efficient than traditional enterprise data centers.
AI technologies are also being applied beyond the data center to improve the energy efficiency of entire buildings. In Singapore, approximately one-third of the nation’s electricity is consumed by buildings. JTC, a government agency responsible for the developing the nation’s industrial infrastructure, is taking a proactive approach to address this voracious demand for electricity by centralizing its operations on the Microsoft Cloud to monitor, analyze and optimize its buildings. Using sensor data and AI-driven analytics, JTC can now identify and rectify faults before breakdowns occur through a predictive model, resulting in a 15 percent drop in energy cost avoidance.
Education is one of the building blocks for creating a better future, and AI is being leveraged to enhance the education experience for students and improve outcomes in schools.
In Andhra Pradesh, a state in southern India, Microsoft is partnering with the government to launch a new app that predicts which students are most likely to drop out of school. Powered by machine learning, AI capabilities, and the cloud, this solution processes complex data sets that include enrolment information, student performance, gender and socio-economic demographics, school infrastructure, and teacher skills, to look for predictive patterns.
This enables administrators and educators to intervene early and target the most at-risk students with programs and counseling to prevent dropouts. The app is already being used successfully by more than 10,000 schools in Andhra Pradesh, covering more than five million students in 2017.
With the help of AI, more students can complete their education and graduate as employable new workers who will help grow the future economy.
With the help of AI, more students can complete their education and graduate as employable new workers who will help grow the future economy.
Healthcare
Lastly, AI technology has the potential to assist healthcare providers in their quest to tackle some of the most prevalent diseases we face today, as well as improve the quality of life for Asia’s growing population.
In India, Microsoft is collaborating with one of the largest health organizations in the country, Apollo Hospitals, to develop anAI-focused network aimed at tackling cardiovascular disease, which contributes to nearly one-third of deaths worldwide. In India alone, nearly three million heart attacks happen annually, and it is estimated that 30 million Indians suffer from coronary disease.
By bringing together Microsoft’s AI expertise and Apollo Hospitals’ experience and knowledge in the field of cardiology, this partnership aims to develop new machine learning models to predict patient risk for heart diseases and assists doctors with treatment plans.
These are just some of the amazing benefits that AI is bringing to society, though it’s clear that it is still in a nascent stage of its development. The story of AI is still unfolding, and future chapters will be supported by positive, impactful anecdotes. After all, with AI, we are not just amplifying human ingenuity, but the qualities that make us human: Our caring. Our curiosity. Our collective desire to create a better tomorrow.
Who else wants to give and receive Company Benefits? Did you know that this action will result advantages or benefits of the work relations and performances of both employers and employees of the business operations in general? But employees should also understand that giving of benefits or any form of other benefits is an act out of generosity of the owners of the Company.
For the owners & management or authorized person of businesses, it is also important to consider whether these benefits are taxable or not on the part of employers and employees. If your business is operating the Philippines, there’s new regulations the defines Benefits Classified/Considered As “De Minimis” Not Subject To Income Tax as well as Withholding Tax.
Revenue Memorandum Circular (RMC) No. 50-2018 is a circular that clarifies certain provisions of Revenue Regulations (RR) No. 8-2018 and 11-2018 as amended by RR Nos. 15-2018 and 14-2018, respectively. The stated RRs were issued to implement the TRAIN law’s income tax provisions including its consequent withholding tax.
As of January 1, 2018, the following are the “de minimis” benefits:
a. Monetized unused vacation leave credits of private employees not exceeding ten (10) days during the year;
b. Monetized value of vacation and sick leave credits paid to government officials and employees;
c. Medical cash allowance to dependents of employees not exceeding P 1,500.00 per employee per semester or P250.00 per month;
d. Rice subsidy of P2.000.00 or one (1) sack of 50 kg. rice per month amounting to not more than P2,000.00;
e. Uniform and clothing allowance not exceeding P6,000.00 per annum;
f. Actual medical assistance, e.g., medical allowance to cover medical and healthcare needs. annual medical/executive check-up, maternity assistance, and routine consultations, not exceeding P10.000.00 per annum;
g. Laundry allowance not exceeding P300.00 per rnonth;
h. Employees achievement awards, e.g., for length of service or safety achievement, which must be in the form of a tangible personal property other tl-ran cash or gift certificate, with an annual monetary value not exceeding P10,000.00 received by the employee under an established written plan which does not discriminate in favor of highly paid employees;
i. Gifts given during Christmas and major anniversary celebrations not exceeding P5.000.00 per employee per annum
j. Daily, meal allowance for overtime work and night/grave yard shift not exceeding twenty-five percent (25%) of the basic minimum wage on a per a region basis; and
k. Benefits received by an employee by virtue of a collective bargaining agreement (CBA) and productivity incentive schemes provided that the total annual monetary value received from both CBA and productivity incentive schemes combined do not exceed ten thousand pesos (P10,000) per employee per taxable year.
All other benefits given by employers which are not included in the above enumeration shall not be considered as “de minimis” benefits and hence, shall be subject to income tax as well as withholding tax.
The benefits given in excess of the maximum amount allowed as “de minimis” benefits shall be included as part of “other benefits” which is subject to the P90.000.00 ceiling. Any amount in excess of the P90,000 shall be subject to income tax and consequently, to the withholding tax on compensation.
At the end of the day, both employers and employees will realize that this will happen if both parties will do their part for the benefits and success of the business operations.
Asia’s craziest food contest returns to the Philippines as One Night Food Trip – International Edition enters its second season on tvN Asia. This time, K-pop heartthrobs Nichkhun of boy band 2PM and actor-host Alexander “Xander” Lee face off against celebrity cousins Danica Sotto-Pingris and Ciara Sotto in a culinary frenzy around the country. One Night Food Trip – International Edition will fly exclusively with Cebu Pacific for the entire second season.
Alexander “Xander” Lee
Based on popular Korean food competition show One Night Food Trip, the international edition adds a twist by having K-pop celebrities travel to various Asian destination including the Philippines, Taiwan, South Korea, and Malaysia where they eat, play, and compete against local celebrities. Each team must complete missions involving exotic flavors and cultural attractions to earn stamps. The team that collects the most stamps within 48 hours takes home the Golden Passport.
In the Philippine segment of the show, Nichkhun and Xander jet-set together from Cebu to Pampanga, while celebrity chef Danica and singer-actress Ciara take a separate route from Coron to Legazpi for a unique experience of the country’s sights and delicacies. One of their stops is at luxury integrated resort City of Dreams Manila where they explore the Forbes five-star hotel, NÜWA, try out decadent dishes at the award-winning Crystal Dragon restaurant, and immerse in the DreamWorks-inspired interactive play space called DreamPlay.
The four-episode Philippine segment on Season 2 airs on 30 July (Monday) at 18:30 (GMT+8). It is in partnership with the Tourism Promotions Board, an attached agency of the Department of Tourism, that markets and promotes the Philippines domestically and internationally as a world-class tourism destination.
Aside from 2PM, Nichkhun is also a songwriter, actor and model, with television and film projects in South Korea and China. On the other hand, Xander Lee is a former member of the South Korean boy band U-KISS. His most recent projects include the lead role in a Philippine TV series “My Korean Jagiya,” opposite Heart Evangelista.
Nichkhun
From the Philippines, Danica Sotto-Pingris is a television host and celebrity chef, with a degree in Culinary Arts and Technology Management from the Center for Culinary Arts Manila. Her cousin, Ciara Sotto, is a television host, singer, actress and expert pole dancer. She regularly teaches pole dancing classes in Manila.
Cebu Pacific, the official carrier of One Night Food Trip – International Edition2, has the widest network within the Philippines with 37 domestic destinations, which made traveling and shooting from one island to another easier with seamless inter-island connections, sparing the hosts and crew from flying to bigger airport hubs just to move across the Philippines. Aside from a direct flight between Manila and Incheon, Cebu Pacific also flies directly from Incheon to Cebu, making it easier to get to popular beach destinations like Mactan Island or Bohol, or connect to 26 international destinations that span the Middle East, Asia, Australia and the United States (Guam).
Nichkhun
One Night Food Trip – International Edition debuted in 2017 on tvN in Asia with sister-and-brother K-pop idols, Sandara “Dara” Park and Thunder pairing against TV host Grace Lee and radio DJ Sam YG for the Philippine segment.
One Night Food Trip – International Edition will premiere exclusively on tvN on 30 July (Monday) at 18:30 (GMT+8). tvN is available in Hong Kong, Singapore, Taiwan, Malaysia, the Philippines, Thailand, Indonesia, Myanmar and Sri Lanka, with subtitles in English, Chinese, Bahasa Malaysia, Bahasa Indonesia and Thai.
Follow One Night Food Trip – International Edition Season 2 on social media with hashtags #OneNightFoodTripIntl2, #ONFTIntl2, #CEBTravels and #tvNAsia.
Learn more about tvN on Facebook @Ch.tvNAsia, Instagram @tvNAsia, and Twitter @tvN_Asia. tvN, where fun takes off!
Cebu Pacific is the largest carrier in the Philippine air transportation industry, offering its low-cost services to more destinations and routes with higher flight frequency within the Philippines than any other airline. Cebu Pacific currently offers over 100 flights a week between the Philippines, South Korea and ten other Southeast Asian destinations, including Jakarta and Denpasar (Bali) in Indonesia; Kuala Lumpur and Kota Kinabalu in Malaysia; Singapore; Thailand; Hanoi and Ho Chi Minh in Vietnam; Hong Kong; and Taiwan.
Founded in 1996, Cebu Pacific has carried over 150 million passengers since inception across 37 destinations within the Philippines and 26 international destinations across Asia, Australia, the Middle East and Guam. It operates one of the youngest fleets in the world with an average age of below five years old for all its aircraft. Its 67-strong fleet is comprised of five Airbus A321ceo (Current Engine Option), 36 Airbus A320, eight Airbus A330, eight ATR 72-500, and ten ATR 72-600 aircraft.
For bookings and inquiries, guests can visit http://www.cebupacificair.com, or call the reservation hotlines (+632)7020-888 or (+6332)230-8888. The latest seat sales can be found in the official Twitter (@CebuPacificAir) and Facebook pages. Guests may also download the Cebu Pacific official mobile app on the App Store and Google Play.
About tvN
The no. 1 pay TV channel in Korea, tvN is expanding to Asia-Pacific. Being the content trend leader, tvN provides the best general entertainment through express top-rated variety shows, record breaking hit dramas, world class music shows, trend leading lifestyle programmes, and star-studded original productions exclusively for Asian viewers. tvN is available in Asia-Pacific countries, including Hong Kong, Singapore, Taiwan, Malaysia, the Philippines, Thailand, Indonesia, Myanmar and Sri Lanka. tvN is owned by CJ E&M, a Korean leading media conglomerate.
tvN, where fun takes off!
About CJ E&M
CJ E&M is Asia’s leading content and media company headquartered in Seoul, Korea. Since 2011, with five main business units -broadcast, film, music, live entertainment and animation, CJ E&M is contributing to promote Korean culture around the world, through the company’s ‘One Source, Multi-Content’ strategy. As a trend leader in Asia, CJ E&M has produced and distributed various popular content, some of which include Asia’s largest music festival Mnet Asian Music Awards (MAMA), leading Hallyu convention KCON, Tony Award-winning musical Kinky Boots, record-breaking box office hits Roaring Currents (2014), Ode to My Father (2014) and Veteran (2015), along with sought-after television programs such as Guardian: The Lonely and Great God, The Legend of the Blue Sea, Grandpas over Flowers and more.
With regional offices in Asia and the U.S., CJ E&M currently employs over 2,000 people worldwide, and is traded on KOSDAQ under the ticker 130960. For more information, please visit: http://en.cjenm.com
Are you on the lookout for the right motorcycle riding jackets? Take note that the right jacket does not only have to be stylish. It has to be comfortable and it has to be safe to use. Do you know that there are some motorcycle jackets that are made with fabrics that will harm your skin? You do not want to suffer from allergies while you are on the road, right?
There are some things that you ought to remember so that you can pick the motorcycle jacket that you can use all over and over again.
Have some patience in choosing. You will come across a wide variety of jacket. Some of these jackets will look very nice but may not do what they are supposed to do which is to protect you. Some jackets are overpriced. There are also some that will start breaking down after being used a few times. Finding the right jacket will require time and effort. You need to be prepared for that. Find some motorcycle jackets for men that will fit your style and budget.
If you belong to a motorcycle club, finding the right men’s motorcycle jacket will be far easier. You need to find a jacket that comes with the emblem or the logo of your club. It will be displayed at all times. The jacket will be similar to a uniform that you will wear when you are out riding with the rest of your clubmates.
Style is always one of the first things that you will think about but what is the sense of having a stylish jacket when you can barely wear it because it will not keep you safe? There are people who get into motorcycle accidents every day. You need to have the right jacket that will have the ability to protect you if in case you get into any road altercation.
The fit of the motorcycle jacket is one of the things people normally forget about when they are trying to make the right choice. The motorcycle jacket should be able to cover your back while you ride. Otherwise, it will not be able to protect you that well.
Klim Motorcycle Jacket
Have you gathered enough details to find the right motorcycle jacket? Hopefully, the things that you have learned are enough to help you choose.
Calling all MARVEL fans, it is time to suit up for the first-ever MARVEL-themed run in South Asia – the MARVEL Run Philippines 2018. The event is set to take place on July 7, 2018, at the SM Mall of Asia Event Grounds.
The 2018 Philippines MARVEL Run is organized by ColorManila, the country’s number one fun-run organizer.
ColorManila VP Justine Cordero says, “We look forward to having the first Philippines MARVEL Run on July 7, and we would like to invite all MARVEL fans and ColorManila followers out there, to take part in this highly anticipated event. The runners will surely like the kits that we have designed and prepared for them, along with the other MARVEL items that come with the race packages.”
There are four (4) race kit colors available, black, grey, green and blue.
The black drifit shirt, which carries the logos of Thor, The Hulk, Captain America, and Spiderman, is part of the Deluxe Race Kit package. Priced at P1,500, the drifit shirt comes with a finisher’s medal, a race bib, and a color packet.
While runners who sign up for the Premium Race Kit package and the VIP Race Kit package can choose between the grey, green and blue kits. Avenger fans would love to be seen in these kits with the green one carrying Hulk’s logo, the grey one with Thor’s logo, and the blue one with Captain America’s signature logo – his shield.
The Premium Kit package, which is priced at P2,050, comes with a drifit shirt (with 3 colors to choose from), a race bib, sunglasses that match the shirt chosen, finisher’s medal, color packet, and a MARVEL drawstring bag.
While those who join the VIP category, valued at P3,050, will get a drifit shirt (also with 3 colors to choose from), a race bib, sunglasses that match the shirt chosen, finisher’s medal, color packet, a MARVEL drawstring bag, towel, and lastly, access to the VIP Lounge.
Runners also have the option of choosing between three race categories – 3K, 5K and 10K.
Registration is still ongoing. For more information, visit www.colormanila.com for more details.
Media Contact:
Charmaine Cruz
PR for COLOR MANILA
Mob. +63917-8001408
Email: sports@greatcampaigns.asia
Twitter: @char_cruz
— Charmaine Cruz, MA Int’l PR Specialist Loc. Mob.: +63917-8001408 Regional HQ: Suite 8-1 and 8-2, Level 8, Menara CIMB, No. 1 Jalan Stesen Sentral 2, Kuala Lumpur 50470, Malaysia Winner, Best Sports Marketing Campaign, Asia Sports Industry Awards (SPIA), 2016
Who are required to Keep Books of Accounts? Do you think Corporations, Companies, Partnerships or Persons need to keep Books of Accounts?
Generally, Books of Accounts are use in recording all relevant transactions not only for the purpose of internal revenue taxes but for the preparation of Financial Position (Balance Sheet), Results of Operations (Income Statement), Statement of Cash Flows and other relevant reports of the business activities.
Sec. 71 of RA No. 10963 further amends Section 232 of the NIRC as follows:
“SEC. 232. Keeping of Books of Accounts. –
“(A) Corporations, Companies, Partnerships or Persons Required to Keep Books of Accounts. – All corporations, companies, partnerships or persons required by law to pay internal revenue taxes shall keep and use relevant and appropriate set of bookkeeping records duly authorized by the Secretary of Finance wherein all transactions and results operations are shown and from which all taxes due the Government may readily and accurately be ascertained and determined any time of the year: Provided, That Corporations, companies, partnerships or persons whose gross annual sales, earnings, receipts or output exceed Three million pesos (P3,000,000), shall have their books of accounts audited and examined yearly by independent Certified Public Accountants and their income tax returns accompanied with a duly accomplished Account Information Form (AIF) which shall contain, among others, information lifted from certified balance sheets, profit and loss statements, schedules listing income-producing properties and the corresponding income therefrom and other relevant statements.
Republic Act (RA) No. 10963 shall be known as the “Tax Reform for Acceleration and Inclusion (TRAIN)” took effect on January 1, 2018.
