An auction is one of the most popular methods used for buying and selling goods. Learn about the 20 fundamental terms used in auctions here.

Mastering the language of auctions is akin to learning a new dialect. It’s filled with unique terms and jargon that can seem foreign to a newcomer. However, once you’ve grasped these terms, you’re on your way to navigating the world of auctions like an experienced bidder. Let’s dive into a comprehensive list of auction terms that every rookie should familiarize themselves with.

1. Auctioneer

The auctioneer is the person who conducts the auction. They guide the proceedings, announce the lots, stimulate the bids, and finally, hit the hammer to signal the acceptance of the highest bid. Understanding the auctioneer’s rhythm and style can give you an edge in your bidding strategy.

2. Absentee Bid

In the event that potential buyers cannot be physically present at the auction, they can place what is known as an absentee bid. This is an advanced bid where the highest bidder specifies their maximum bid limit for a particular lot. The auction house bids on their behalf, ensuring they get the item for the lowest possible price, up to their set limit.

3. Hammer Price

The hammer price, a term derived from the decisive fall of the auctioneer’s hammer, represents the ultimate bid price that the auctioneer deems acceptable for a specific lot. This significant moment marks the conclusion of the sale, solidifying the transaction as final and binding. With the authoritative strike of the hammer, the fate of the lot is sealed, leaving both the auctioneer and bidder with a sense of closure and anticipation for the next exciting auction event.

4. Buyer’s Premium

The buyer’s premium, an additional fee charged by the auction house to the winning bid, plays a significant role in the final price paid by the buyer. It is calculated as a percentage of the hammer price, typically ranging from 10% to 25%. This fee helps cover the costs associated with organizing and conducting the auction, such as marketing, cataloging, and administrative expenses.

5. Reserve Price

The reserve price, or the confidential minimum bid, is the lowest amount a seller is willing to accept for a lot in an auction. It serves as a safeguard for the seller, ensuring that they do not have to sell the item for less than its perceived value. If the bidding does not reach or exceed the reserve price, the auctioneer reserves the right to retain the item and not proceed with its auction sale. This mechanism allows sellers to maintain control over the transaction and ensures that the item is sold at a price that meets their expectations.

6. Lot

In the context of an auction, a lot can be defined as either a single item or a collection of items that are bundled together and sold as a single unit. This allows bidders to acquire multiple items at once, often with a unique identification number assigned to each lot for easy tracking and reference throughout the auction process.

7. Catalogue

A catalogue is a comprehensive listing of all the lots available in the auction. Each entry in the catalogue includes a detailed description of the lot, high-quality images, and an estimated price range that the lot is expected to fetch. Catalogues can serve as a valuable guide, helping bidders plan their strategy.

8. Provenance

Provenance refers to the history of a lot’s ownership and origin. The provenance of an item can greatly influence its appeal and value, especially in the case of artworks, antiques, and collectables. Bidders often look for well-documented provenance as a guarantee of authenticity and value.

9. Estimate

An estimate is a price range within which a lot is expected to sell at auction. Auction houses provide these estimates based on a variety of factors such as condition, rarity, quality, and current market trends. It provides a useful guide for bidders but does not guarantee the final sale price.

10. Paddle

In a live auction setting, registered bidders are typically provided with a paddle featuring a distinct number. This paddle serves as a visual identifier that enables the auctioneer to easily recognize each bidder. When a bidder wishes to make a bid, they signal the auctioneer by raising their paddle deliberately and visibly. This action grabs the auctioneer’s attention and alerts other participants to the bidder’s intention to bid.

11. Conditions of Sale

The conditions of sale refer to the legal terms under which the auction house conducts the sale, including the regulations affecting auction selling. These might include buyer’s premiums, payment terms, guarantees of authenticity, shipping arrangements, and return policies. Before bidding in an auction, it’s wise to thoroughly familiarize oneself with these conditions.

12. Appraisal

An appraisal is a formal assessment of an item’s value, usually conducted by a specialist in the field. This valuation takes into account the item’s condition, rarity, quality, and market demand. It provides a basis for setting reserve prices and estimates.

13. White Glove Sale

In the world of auctions, a ‘white glove sale’ is an event in which every single lot is sold. It’s a signal of extraordinary success for the auction house and satisfaction for the sellers, who know that their items have found eager prospective buyers.

14. Chandelier Bid

Chandelier bidding is a technique used by auctioneers to stimulate bidding. These are essentially fictitious bids that the auctioneer uses to drive up the price of a lot, especially when the bidding is slow to start.

15. Conditions Report

A conditions report is a detailed assessment of an item’s current state, including any damages or restorations. It provides potential buyers with a clear understanding of what they’re bidding on, helping them make informed decisions.

16. Auction Block

The auction block, also known as the sales platform, is the physical location where auctions take place. It serves as the central stage where bidders gather to participate in the bidding process and where the auctioneer presents the items or lots up for sale. With its historical significance and vibrant atmosphere, the auction block embodies the excitement and anticipation that comes with the art of auctioneering.

17. Knocked Down

The term ‘knocked down’ is commonly used in the auction world to describe the exciting moment when the auctioneer, with a distinct and authoritative motion, brings down the hammer to signal the finalization of the sale of a lot. It signifies that the item has found its new owner, having been successfully ‘knocked down’ to the winning bidder amidst the anticipation and buzz of the auction floor.

18. Opening Bid

The opening bid, which is the initial bid placed on a specific lot during an absolute auction, plays a crucial role in initiating the bidding process. It is strategically set to encourage and stimulate healthy competition among potential bidders, ultimately driving up the final price of the item being auctioned.

19. Bid Increment

A bid increment is a predetermined amount by which the auctioneer increases the bidding level after each bid. This incremental increase ensures a fair and steady pace in the bidding process, allowing participants to engage in a competitive yet controlled manner.

20. Withdrawn Lot

A withdrawn lot refers to an item that was initially part of the auction but was removed or ‘withdrawn’ before the auction took place. Various reasons, such as title disputes, doubts about authenticity, or the seller choosing not to sell anymore, can lead to a lot being withdrawn.

Final Thoughts

Understanding these terms is the first step toward feeling confident and informed at an auction, whether physical or online auctions. Remember, every expert was once a beginner. With time, patience, and experience, you’ll find yourself well-versed in the art of auctions.

Feeling more confident with your newfound auction knowledge? Why not put it to good use with Brittany Corporation? As the premier name in luxury real estate in the Philippines, we offer a variety of properties that could be the perfect fit for your discerning tastes. Get in touch with us today and let’s explore the possibilities together. At Brittany Corporation, we turn luxurious dreams into tangible realities.

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Drywall, also known as gypsum board or plasterboard, is an indispensable element in modern construction and interior design.

The process of installing drywall, commonly referred to as drywall installation or hanging drywall, plays a pivotal role in shaping the aesthetics and functionality of a space.

The Basics of Drywall

Drywall is essentially a panel made from gypsum, a mineral known for its fire-resistant properties.

Drywall panels are typically composed of a gypsum core sandwiched between layers of heavy paper. The panels come in various sizes and thicknesses, making them versatile for different wall and ceiling applications.

The Composition of Drywall

Drywall is primarily composed of gypsum, a naturally occurring mineral renowned for its fire-resistant properties.

Gypsum is crushed into a fine powder and mixed with additives to create a slurry, which is then sandwiched between layers of heavy paper or fiberglass mats. The layered structure gives drywall its strength and flexibility.

Drywall Panels and Sizes

Drywall panels come in various sizes and thicknesses to suit different construction needs. The most common sizes include 4×8 feet, 4×12 feet, and 4×16 feet panels.

Thicknesses typically range from 1/4 inch to 5/8 inch, with 1/2 inch being the standard for most interior applications. These options allow builders and contractors to choose the most appropriate drywall for specific projects, taking into consideration factors like structural requirements and cost.

Drywall is integral to the construction process for several reasons:

Fire Resistance

One of the most critical features of drywall is its fire-resistant nature, owing to the gypsum core.

In the event of a fire, drywall slows down the spread of flames, providing valuable time for occupants to escape and reducing property damage.

Acoustic Insulation

Drywall can be used to improve sound insulation within buildings, making it an essential choice for homes, offices, and commercial spaces.

Special acoustic drywall panels are available to enhance soundproofing.

Aesthetic Versatility

Drywall provides a smooth and consistent surface that can be easily painted, textured, or decorated.

The versatility allows for a wide range of design options to suit various interior aesthetics.

Structural Support

Drywall not only serves as a surface finish but also contributes to the structural integrity of a building when installed correctly.

Energy Efficiency

With the addition of insulation between drywall panels, it can help enhance a building’s energy efficiency by reducing heat transfer.

The Installation Process

The installation of drywall, commonly referred to as drywalling, involves several key steps. First, measurements are taken to determine the square footage of the area to be covered with drywall.

The calculation helps estimate the quantity of drywall panels needed for the project and provides a basis for cost projections. Once measurements are finalized, the panels are cut to size and hung on the framework, which typically consists of wooden or metal studs.

Drywall is then secured to the framework with drywall screws, and seams are taped and filled with joint compound to create a smooth, seamless surface.

Drywall Installation Cost

The cost of installing drywall typically includes both material expenses and labor charges. On average, it amounts to around 95,000 pesos, but this figure can vary.

Projects may fall within the range of 91,000 to 99,000 pesos, and for more luxurious undertakings, the cost might exceed 101,000 pesos. The calculation is often based on a per square foot rate, usually falling between 106 to 122 pesos per square foot.

The final price hinges on the project’s square footage, the selected finish level, and the local labor market conditions.

Install Drywall per Sheet Cost

The overall cost of drywall installation factors in the price of drywall sheets. The sheets are constructed from gypsum board and can vary in size and thickness.

Generally, drywall materials range from about 25 to 40 pesos per square foot. For instance, when covering an 74 square meter (800 square feet) wall area, material costs alone can range from 18,000 to 29,000 pesos.

Impact of Different Finish Levels on Drywall Cost

Drywall finish levels play a pivotal role in determining the total project cost. The levels, ranging from 0 to 5, dictate the amount of finishing work and detailing required.

For example, Level 0 represents the most basic finish, while Level 5 is the highest, designed for glossy or enamel paints that demand an exceptionally smooth surface.

Labor Costs for Hanging Drywall

Labor expenses constitute a significant portion of drywall installation projects. Contractors typically charge around 84 pesos per square foot for hang drywall.

However, rates can fluctuate based on location, project complexity, and local factors.

Whether you’re repairing a ceiling or creating entirely new rooms, hiring skilled professionals is often recommended to ensure a successful outcome.

Drywall is a prevalent construction material due to its affordability and ease of installation.

Whether you’re engaged in new construction, home additions, or renovations, drywall installation is a likely necessity.

It involves using gypsum board panels that are affixed to the house’s framework, ensuring a smooth and flawless surface ready for painting and decoration.

The Role of Drywall Contractors in Ensuring Quality

Hiring experienced drywall contractors is crucial to achieving a professional and flawless finish.

They possess the necessary expertise and tools to ensure the correct installation of drywall, resulting in walls and ceilings that are both structurally sound and aesthetically pleasing.

Drywall Cost per Square Foot

Material Considerations

Material costs for drywall depend on the type of drywall selected, including its thickness and quality.

Thicker and higher-quality panels typically incur higher costs.

Square Footage and Its Influence on Drywall Cost

The total cost of a drywall project is significantly influenced by the square footage of the area to be covered.

Accurate square footage calculations are essential for estimating material and labor cost.

Additional Expenses

Tape, Drywall Screws, and Compound: In addition to drywall panels, other supplies like tape, drywall screws, and compound may be necessary for the installation.

The additional expenses should be factored into the overall project cost.

Drywall Installation Cost Factors

Various factors can impact drywall installation costs, including the desired finish level, the need for fire-resistant drywall, and addressing lead paint concerns in older homes.

Fire Resistant Drywall

In some cases, fire-resistant drywall may be required, adding to the overall project cost. This type of drywall provides enhanced fire protection and safety.

Addressing Lead Paint Concerns When Installing Drywall

When working in older homes, it’s essential to consider lead paint concerns during the drywall installation process. Lead paint removal or mitigation may be necessary, contributing to project complexity and cost considerations.

Discover Luxury With Brittany Corporation

Just as Brittany brings the world’s scenic destinations to the homes of the privileged few, drywall installation contributes to the creation of exquisite interiors that reflect the beauty and sophistication of these luxury communities.

It is a testament to Brittany’s commitment to excellence and attention to detail in providing dream luxury homes that are truly exceptional.

Brittany Corporation stands as a pioneer in envisioning and bringing to life opulent residential enclaves that house lavish properties imbued with distinctive charm and an elevated thematic allure.

Drawing inspiration from the world’s most breathtaking locales, Brittany’s luxurious communities seamlessly bridge the gap, uniting these picturesque settings with the residences of an exclusive elite.

Crosswinds Tagaytay

One of the prides of Brittany Corporation is Crosswinds Tagaytay, which is a captivating Swiss-inspired paradise. It features stunning Swiss-style homes and buildings nestled on its scenic slopes.

The exclusive community offers an escape that feels worlds away from the Philippines, surrounded by lush greenery, creating a perpetual holiday ambiance. It beckons you to return, much like a beloved destination that rejuvenates Tagaytay.

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Hardwood flooring is a type of flooring material renowned for its timeless elegance, durability, and natural beauty.

Unlike other flooring options, hardwood floors are crafted from solid wood planks or engineered wood composed of a hardwood veneer atop a plywood or fiberboard core. This construction ensures that hardwood flooring is not only visually appealing but also resilient enough to withstand the test of time. One of the defining features of hardwood flooring is its versatility, making it suitable for a wide range of interior styles, from traditional to contemporary.

Its rich, warm tones and intricate grain patterns add character and sophistication to any space, creating a welcoming and inviting atmosphere. Hardwood floors are also celebrated for their longevity. When properly maintained, they can last for generations, making them a wise investment for homeowners.

Additionally, the ability to sand and refinish hardwood floors allows them to be refreshed and renewed, extending their lifespan even further. Moreover, hardwood flooring offers practical benefits.

It is relatively easy to clean and maintain, making it an excellent choice for households with pets and allergies, as it does not trap dust, allergens, or pet dander like carpets.

Types of Hardwood Flooring

Hardwood floors come in two primary types: solid hardwood flooring and engineered wood flooring. Solid hardwood flooring is made from a single piece of wood and is known for its timeless beauty and longevity.

It can be sanded and refinished multiple times, making it a durable option. Engineered wood flooring, on the other hand, consists of a thin layer of hardwood on top of multiple layers of plywood or composite material.

This type of flooring is more resistant to moisture and can be a better choice for basements or areas with fluctuating humidity levels.

Installing Hardwood Flooring

Installing hardwood flooring is a meticulous process that requires skill and precision.

The first step involves preparing the subfloor to ensure it is clean, level, and dry. Next, a moisture barrier is often installed to prevent moisture from seeping into the wood. Then, the hardwood planks are laid down and secured, typically using either nails or adhesive, depending on the type of flooring chosen.

The installation process can be time-consuming, and it is essential to hire experienced professionals to ensure the job is done correctly. DIY enthusiasts may choose to install hardwood flooring themselves, but this can be challenging and is best left to those with the necessary skills.

Benefits of Hardwood Flooring

Hardwood flooring offers many advantages that make it a famous choice. First and foremost is the aesthetic appeal it boasts. Hardwood floors add a timeless, classic look to any room, enhancing its overall beauty.

The natural warmth and character of wood flooring create a welcoming atmosphere that complements various interior design styles. Furthermore, hardwood floors are exceptionally durable.

Solid hardwood flooring can last for generations with proper care, making it a valuable investment. It is also relatively easy to clean and maintain, requiring regular sweeping and occasional refinishing. Another significant benefit of hardwood flooring is its hypoallergenic properties.

Unlike carpets, which can trap dust, pollen, and allergens, hardwood floors are easy to clean and do not harbor these irritants. With this said, it makes them an excellent choice for individuals with allergies or respiratory issues.

A Classic Choice

Indeed, hardwood flooring is a classic choice for it brings timeless elegance, warmth, and durability to homes.

While the initial hardwood flooring cost may seem significant, the long-term benefits and beauty it provides make it a worthwhile investment. Whether you opt for solid hardwood flooring or engineered wood flooring, the result is a stunning addition to your living space.

Installing hardwood flooring may require professional expertise, but the end result is a beautiful, durable floor that will serve you well for years to come. Hardwood floors are more than just a practical choice; they are a symbol of style, quality, and comfort in the world of home designing.

Hardwood Flooring Cost

Installing hardwood flooring is a significant investment in your home’s interior, offering timeless appeal and lasting quality. While it’s pricier than alternatives like laminate or vinyl, classic hardwood flooring’s aesthetic and value cannot be easily matched.

When it comes to estimating costs, several factors come into play, including the type of wood, the size of your space, and local labor expenses. To ensure you receive an accurate cost estimate, it’s advisable to contact multiple professionals in your area.

Cost to Install Wood Flooring in Different Rooms

Hardwood Flooring Costs

The primary hardwood flooring cost determinant for your hardwood flooring installation project is the total square footage you plan to cover.

Know how much it would cost to install hardwood floors:

The average cost of installing hardwood flooring is approximately 852.45 pesos per square foot, including both materials and labor. For example, in a 27.87-square-meter kitchen, the total cost would be around 23,723.50 pesos.

However, if you’re considering installing wood flooring throughout an entire level of your home, covering approximately 92.9 square meters, the cost could reach around 79,082.35 pesos. When deciding which rooms to install wood flooring in, it’s essential to consider factors such as foot traffic and your desired overall aesthetic.

While hardwood floors can provide a sleek and clean appearance, they may require more maintenance compared to options like tile or carpet.

Cost of Different Types of Wood Floors

The cost of various wood flooring types can significantly impact your budget when considering a flooring project.

Typically, solid hardwood is pricier than engineered hardwood, and the choice of wood species further influences the overall expense.

Solid Wood Flooring

Solid hardwood flooring comprises a single wood species and is known for its classic appeal. Prices can range from approximately 341.98 to 1,079.77 pesos per square foot.

Solid wood’s value lies in its ability to be sanded and refinished, but it is more susceptible to scratches and water damage.

Common hardwood choices and their characteristics include:

• Oak: Known for its visible grain and available in various finishes.
• Ash: A durable and light-colored wood.
• Bamboo: Strong and sustainable, available in multiple colors.
• Pine: Softer with visible knots and warm tones.
• Cherry: Light brown to reddish, less durable.
• Hickory: Strong with distinctive grain patterns.
• Maple: Dent-resistant, light, and creamy.
• Mahogany: Deep and water-resistant.
• Walnut: Expensive but highly durable, with dark brown shades.

Engineered Hardwood Flooring

Engineered hardwood, composed of various wood layers with a solid wood veneer, is more cost-effective, ranging from approximately 341.98 to 455.97 pesos per square foot.

It offers greater durability and is suitable for high-traffic areas. However, it cannot always be sanded and refinished.

Quality levels for engineered wood are categorized as low/good, mid/better, and high/best based on the number of plywood layers and finish coats.

Factors Affecting Cost

Several factors can influence the total cost of your wood flooring project:

Flooring Removal

If existing flooring, such as carpet, needs removal, this adds to the expense.

Special Cuts/Patterns

Complex layouts or patterns will increase costs. Parquet installations or inlays come with additional charges.

Hardwood Finishing

Unfinished planks are cheaper, costing around 512.73 pesos per square foot compared to 623.89 pesos for prefinished planks.

However, finishing unfinished planks incurs additional costs, allowing for repairs and smoothing of imperfections.

When planning your wood flooring project, it’s essential to consider these factors and assess the specific requirements of your space to estimate the total cost accurately.

Crosswinds Tagaytay: A Touch of Swiss Elegance

Crosswinds Tagaytay is undeniably a world of its own, a picturesque haven that transports you to a Swiss-inspired paradise tucked away in the Philippines.

The enchanting Swiss-style homes and residential buildings, gracefully perched on the natural slopes of this exclusive community, create an ambiance that makes you feel like you’ve left the Philippines far behind.

The unique setting, adorned with lush flora, resonates with the spirit of a perennial holiday retreat, beckoning you to return again and again, much like a cherished destination that revitalizes Tagaytay.

In the realm of such extraordinary beauty and timeless charm, the choice of wood flooring becomes a crucial element in capturing the essence of Swiss elegance and comfort.

The cost of different types of wood flooring harmonizes with the luxurious lifestyle that Crosswinds Tagaytay offers.

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The real estate industry, a multifaceted sector, plays a pivotal role in the global economy. Real estate investments, both in residential and commercial properties, have long been recognized as a reliable wealth-building strategy.

Within this industry, various real estate professionals, real estate organizations, and property management entities collaborate to create value for investors and end-users alike.

The Real Estate Industry

The real estate industry encompasses a vast array of activities related to the acquisition, development, and management of real property.

Real estate investments, the cornerstone focus of this industry, involve the purchase of properties with the expectation of generating income or appreciating in value over time.

While residential real estate is the most familiar facet, commercial real estate, including office buildings, retail spaces, and industrial facilities, is equally essential.

These commercial properties are the backbone of many economies, housing businesses and industries and driving economic growth.

Backbone of Retail Estate Investments

Real estate professionals, including real estate agents, brokers, appraisers, and property managers, say regulations are critical to the functioning of the industry.

They facilitate property transactions, assess property values, and oversee property management.

Real estate organizations, such as real estate development firms and investment companies, are responsible for the research and development, acquisition, and management of properties.

Property management, in particular, plays a crucial role in maintaining existing buildings, ensuring their long-term viability, and preserving property values.

Technological Advances in the Real Estate Industry

Over the years, the real estate industry has evolved in response to changing market dynamics and technological advances.

One of the most significant shifts has been the incorporation of technology into various aspects of the industry.

These advances have revolutionized the way real estate professionals operate and have the potential to reshape the industry further.

Data Collection and Analysis

Technology has enabled the real estate industry to collect and analyze vast amounts of data, providing valuable insights for investors and professionals.

Market data, demographic information, and property histories are now readily accessible to customers, allowing for more informed decision-making.

Real-time data analysis helps investors stay ahead of market trends and the ability to make more accurate predictions about property values.

Property Management

Property management has seen substantial improvements through technology innovation.

Automated systems for building maintenance and monitoring have reduced operational costs and improved tenant satisfaction.

Smart building technologies, such as energy-efficient HVAC systems and security systems, are becoming standard in many commercial properties, contributing to ongoing maintenance and sustainability efforts.

Commercial Properties and Existing Buildings

The commercial real estate sector has benefited significantly from technological advancements.

Smart office spaces and retail environments have become increasingly popular, enhancing the tenant experience and providing valuable data for property owners.

Additionally, technology has made it possible to retrofit existing buildings with energy-efficient and sustainable features, aligning them with modern environmental standards.

Real Estate Organizations

Real estate organizations have embraced technology to streamline their operations.

Property management software, customer relationship management systems, and online listing platforms have become integral tools for real estate professionals.

These innovations have not only improved efficiency but have also expanded the reach of real estate organizations, enabling them to connect with a broader audience of investors and tenants.

Looking Towards the Future

The adoption of cutting-edge technologies such as blockchain for property transactions and artificial intelligence for predictive analytics is already on the horizon.

These innovations have the potential to make real estate investments more accessible and efficient, while also enhancing the overall quality of commercial properties.

The real estate industry is a cornerstone of the global economy, driven by real estate investments and supported by a network of real estate professionals and organizations.

The incorporation of technology has revolutionized various aspects of the industry, from data collection and analysis to property management and sustainability efforts.

As technological advances continue to shape the future of the real estate industry, staying ahead of the curve will be paramount for all stakeholders.

By embracing and leveraging technology, the real estate industry can look forward to a future of increased efficiency, sustainability, and innovation.

Future Proof in Real Estate

Futureproofing is a critical concept in the ever-evolving real estate industry, where adaptation to changing trends and technologies is essential for success.

The real estate industry, encompassing both residential and commercial sectors, serves as a cornerstone of the global economy.

Futureproofing in this context entails the strategic integration of technological advances, sustainability measures, and innovative practices to ensure long-term viability and competitiveness

Futureproofing in the real estate industry begins with the core activity of real estate investments.

Investing in properties that are futureproof involves considering various factors, such as location, property type, and technological infrastructure.

Commercial Real Estate

In the commercial real estate sector, for instance, futureproofing may involve investing in co-working spaces equipped with state-of-the-art technology and adaptable layouts to cater to evolving business needs.

The spaces are designed to provide a competitive advantage by offering flexibility, thereby attracting a wide and diverse range of tenants.

Sustainable Practices

Commercial real estate is at the forefront of futureproofing efforts due to its significant impact on energy consumption, climate change, and property values.

Sustainable building practices, including energy-efficient designs and renewable energy integration, are becoming essential in futureproofing commercial properties.

The sustainable measures not only reduce operational costs and energy consumption but also enhance the long-term value of properties, aligning them with the growing demand for environmentally responsible spaces.

Real Estate Professionals matched with Technology Integration

Real estate professionals play a pivotal role in the futureproofing of the industry.

Their ability to adapt to technological advances is crucial for staying ahead in the competitive landscape.

Real estate agents and brokers, for example, increasingly rely on technology for property listings, virtual tours, and data analysis.

The technology-driven marketing approach allows professionals to offer better services to clients, improving their competitive advantage in the market environment.

Data-Driven Decisions

Real estate organizations must adopt a data-driven approach to futureproofing.

Data collection and analysis are fundamental for making informed decisions about property acquisitions, developments, and management.

Utilizing technology for market research and trend analysis allows organizations to identify emerging opportunities and risks.

The Role of Technology in Futureproofing

Technology is at the heart of futureproofing in the real estate industry.

Innovations such as artificial intelligence, ND blockchain are poised to reshape the industry further.

These technologies can enhance property transactions, improve security, and streamline operations.

For instance, blockchain can provide transparent and secure property records, reducing fraud and transactional disputes.

Futureproofing the real estate industry is imperative to its long-term sustainability and competitiveness.

As the industry continues to evolve, staying ahead of the curve through technology integration, sustainable practices, and data-driven decision-making is essential.

Real estate investments, particularly in commercial real estate, must consider adaptability and sustainability to remain competitive.

Real estate professionals and organizations must embrace technology and leverage data for strategic decision-making.

Property management and ongoing maintenance efforts should prioritize energy efficiency and sustainability. Moreover, futureproofing the environment against climate change risks should be a top priority.

The real estate industry has a responsibility to adapt and innovate in the face of evolving challenges.

By embracing technological advances and sustainable practices, the industry can position itself for a future that is not only competitive but also environmentally responsible.

Futureproofing is not just about survival; it’s about thriving in an ever-changing landscape while contributing positively to the planet’s well-being.

Crosswinds Tagaytay 

Investing in Crosswinds Tagaytay is not just an investment in luxury real estate; it’s an investment in peace, relaxation, and a sustainable future.

The Swiss-inspired architecture and natural surroundings create a timeless ambiance that transcends trends and market fluctuations.

This makes Crosswinds Tagaytay an attractive choice for individuals who seek a slice of luxury that they can always come home to.

Crosswinds Tagaytay embodies the futureproofing principles that are becoming increasingly important in the real estate industry.

By combining Swiss-inspired luxury, sustainable practices, and a strategic location, it offers residents a unique and enduring experience.

As the industry continues to evolve, developments like Crosswinds Tagaytay serve as shining examples of how real estate can adapt and thrive while providing residents with a retreat that is truly exceptional.

Invest in Crosswinds Tagaytay, and you invest in a future that is as enduring as the Swiss Alps and as refreshing as the pine-scented air.

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How much does a home addition cost?

Home addition typically ranges from 1.1 million to 3.3 million pesos. And depending on the complexity of the project, it can cost up to more than 5 million pesos. Several factors affect the home addition costs such as the size and scope of the addition, location, materials, and other fees.

Table of Contents:

• How much does a home addition cost?
• What are the common home additions and how much does it cost?
• What are the factors that add up to the home addition cost?

We all adore our homes, and we find it difficult to imagine ever leaving a place we have come to cherish. However, there can be a period when we go through life events that lead us to recognize that our home might be too tiny. Perhaps a new family member is on the way, or perhaps you simply want to turn your visions and new home inspirations into a reality. If so, building an addition to your current house can be a better option for you than finding a new place to live.

Adding a home extension could be affected by factors like the age of the house, model upgrades, and the like. Upgrading your existing home could save money and a lot of time rather than moving into a new property. Whatever is the case, the first thing you need to consider is to hire a general contractor to help and assist you with the necessary requirements before the start of the construction project. This includes building permits and being aware of the local building codes. Philippines architects and home builders include everything from supplies, labor, and transportation in addition to their professional fees for a sample house construction cost estimate.

What are the common home additions and how much does it cost?

The cost of any house addition depends greatly on the type of room. The most significant factor affecting the cost is the size of the addition and its complexity. Larger additions with multiple rooms or stories will generally cost more than a small, single-room addition. Its purpose also affects the cost. For example, expanding the bathroom requires materials to work in the existing plumbing. Below are the list of the common home additions per room including the cost guide.

New room addition

• Cost: Per square foot, the cost of an additional room ranges from 5,500 to 11,000 pesos. While the estimated final price for a standard 200-square-foot room can cost up to 2.2 million pesos.

This is the simplest home addition, and by that it is also cost-effective. A new room may or may not be an extra bedroom but could also be a walk-in closet, a home office, family room, or just a spare room. If you have in-laws who come over most of the time, in-law suites can be a great addition.

In building a new room or expanding an existing room, you must decide if you are going to build out or build up. Both of these require necessary requirements like an extra foundation on the first floor, and you’ll also need a permit to expand the size of your property. If you are planning to add a second story addition, you should also coordinate your local governance with any building-height regulations that your city may have.

Laundry room

• Cost: You’ll pay as low as 71,500 pesos for simple upgrades like flooring or appliances and as high as 825,000 pesos if you are looking to expand the room.

Adding a designated space for doing your laundry is essential where you can fold, hang, and treat your clothes. Since most laundry rooms are about 35 square feet, the price per square foot is an average price of 13,000 pesos. However, this price does include new outlets, countertops, flooring, cabinets, and even new appliances. You can reduce this cost by omitting some changes, such as new cabinets or flooring.

Increasing the size of a laundry room won’t significantly raise the cost because the laundry machines are the major attraction. Even if the space needs to be doubled in size to 70 square feet, you’ll probably simply need to spend extra money on flooring and paint rather than additional outlets and appliances.

Bathroom addition

• Cost: The total budget you will be needing for adding a bathroom ranges from 825,000 to 3,000,000 pesos. The common cost includes rough-in plumbing, shower, bath tub, and the like.

The type of bathroom you add will determine not only its approximate size but also the features it needs to contain. If you are aiming for a luxury bathroom, it requires between 100 and 160 square feet and is filled with high-end materials and fixtures. They frequently have jetted tubs, steam showers, or walk-in tub and shower combos and tend to have a spa-like ambiance. They are priced from 2,000,000 and 10,000,000 or more.

Sunroom addition

• Cost: The average cost of sunroom addition cost 11,000 to 20,000 per square foot. For a standard square footage of 200, the total cost is around 2.2 million to 4 million pesos. But if you have an existing structure for the sunroom, it can be lower, around 500,000 to 1,000,000 pesos.

Though a four season room addition is not usually common, adding a four season sunroom in our country could be quite an essential if you want to have a designated space with natural lighting. It also adds up to the mood or ambiance of the house. The materials selected have a significant impact on the price of a sunroom. Sunrooms are frequently constructed from wood, vinyl, or aluminum, with wood being the most expensive material and aluminum the cheapest.

What are the factors that add up to the home addition cost?

Labor costs

A significant portion of your budget will be for the wages of the workers including the carpenters, plumbers, electricians, engineers, and general contractor labor costs.

Electrical wiring

A professional is required to do this job. An extended electrical system typically cost around 5,000 to 10,000 pesos. While a new system for your detached addition like a detached garage will cost up to 100,00 pesos.

Building materials

The choice of materials for the addition will significantly impact the cost. High-end finishes and materials will drive up expenses, while more budget-friendly options can help you save money.

Drywall costs

To finish the interior of your addition, you’ll need to add drywall to the frame. It provides a smooth, paintable surface for finishing and is relatively easy to install. It typically ranges from 13,000 to 20,000 pesos. While the framing costs are also an additional expense.

New foundation

If your addition does not have an existing foundation and requires a new foundation, this can add a substantial cost to the project. The type of foundation which could be slab, crawl space, or full basement will affect the construction costs.

Conclusion

Now that you have an idea of a home addition cost, you might be reflecting on all the work and expenses. Working on all the necessary requirements like the building permits and other site preparation process including purchasing of building materials might be quite a hassle. If you do not have all the time and patience to expand and renovate your old home, you can always find the perfect home especially here in Brittany.

Forresta in Daang Hari, Alabang is a both a commercial and residential property type. It is home to ultra-luxury homes surrounded by the splendor of nature, the jovial spirit of people, and the excellence of the nation’s most illustrious businesses. It is a place bursting with possibility for work, fun, and play. Check the properties that will pass your standard to a new room, luxury bathroom, and a lounge area.

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Because of its energy efficiency, simplicity of installation, and long-term value, spray foam has become a popular insulation material for both new construction and existing homes. Employing a skilled insulation specialist will assist guarantee the best outcome.

How much does Spray Foam Insulation Cost?

Spray foam insulation installation normally costs 202,100 pesos, while the majority of jobs cost between 96,500 pesos and 181,600 pesos. The amount and cost of spray foam, the space you’re insulating, the thickness of the foam, and whether you use open- or closed-cell spray foam will all affect the ultimate cost of your job.

Table of Contents:

• How much does Spray Foam Insulation Cost?
• What is Spray Foam Insulation?
• How does spray insulation work?
• Where should you use spray foam insulation?
• What are the types of spray foam insulation?
• What is the R-value and thermal resistance of spray foam?
• Is Spray Foam Insulation worth it?
• What is the installation process?

What is Spray Foam Insulation?

Spray foam insulation is a type of insulation material commonly used in construction to seal gaps and create a thermal barrier within buildings. It is known for its excellent insulating properties and versatility.

The installation process involves spraying the mixed foam onto the desired surfaces, where it expands and hardens within a relatively short period, creating a continuous and airtight barrier that effectively seals gaps, crevices, and irregularly shaped areas. The foam adheres to the surfaces it is sprayed on, providing an excellent air and moisture barrier, which can contribute to increased energy efficiency in a building.

Some benefits of spray foam insulation include:

• High insulation value (R-value)
• Improved energy efficiency
• Enhanced air sealing properties, reducing drafts
• Moisture resistance (closed-cell foam)
• Increased structural integrity (closed-cell foam)
• Noise reduction (open-cell foam)
• Long-lasting and durable

However, spray foam insulation should be installed by professionals, as it requires specialized equipment and knowledge to ensure proper application and safety due to the chemical reactions involved during installation. Additionally, proper ventilation and safety precautions are essential during installation installing spray foam, to protect against fumes and exposure to the chemicals used in the process.

How does spray insulation work?

The application of a liquid insulation solution that expands and solidifies into a foam-like substance is known as spray foam insulation. It is frequently used to provide proper insulation, increase energy efficiency, and improve comfort in both residential and commercial structures. Let’s look at how spray foam functions with options for open-cell, traditional insulation and closed-cell spray foam:

• Preparation: The space must be prepared before spray foam insulation can be applied. Cleaning the surface and making sure it is dry and free of impurities like dust and debris are usual steps in this process.
• Application: The liquid foam mixture will be applied to the surface using a specialist spray cannon. When the two components combine chemically, the foam swiftly grows and foams up from its liquid beginnings. Due to its ability to expand, foam can fill up voids and other irregularities to form a continuous layer of insulation.
• Expansion and Curing: The foam fills in any uneven areas and forms an airtight seal as it is sprayed onto the surface, expanding to many times its initial volume. After then, the foam starts to cure and stiffen. The type of foam and the surrounding environment will have an impact on the curing process.
• Insulation Properties: The foam creates a firm, long-lasting insulation layer that resists heat transfer once it has dried. The foam’s cellular structure traps air, which enables it to also trap moisture. Due to its higher density than open-cell foam, closed-cell foam is more effective in blocking moisture and offering better insulation value.

Where should you use spray foam insulation?

Insulation made of spray foam can be used in both new and renovated dwellings. Spray foam insulation is particularly helpful for filling irregularly shaped areas and tiny gaps between materials because it can expand to fill small and difficult-to-reach locations. Effective applications of spray foam insulation costs include:

• Attics
• Basements and crawl spaces
• Wall cavities
• Around HVAC systems
• Around windows, doors and other irregularly shaped spaces
• In roofs and under floors

What are the types of spray foam insulation?

A specialist can assist you in choosing from the two main varieties of spray foam depending on how much foam you require, where you intend to apply it, and your budget. Polyurethane foam is frequently used in the creation of both kind of spray foam insulation.

Open Cell

Half-pound foam, commonly known as open cell spray foam, has a more spongy texture and is lighter and less dense. Although it is less expensive, it offers less insulation and has a lower R-value of about 3.5 per inch. Although it offers an air seal, it won’t offer water protection, hence it shouldn’t be utilized below ground.

Closed-cell

Two-pound diy spray foam insulation, also known as closed cell spray foam, is more stiff, denser, and costlier to install. It offers additional protection against heat loss because, at around 6.5 per inch, it has a higher R-value than open-cell spray foam insulation. It can function as an air and vapor barrier since it has a lower porosity.

What is the R-value and thermal resistance of spray foam?

A building can be kept warm in the winter and cool in the summer by using insulation to prevent heat from entering or exiting crawl space. The ability of insulation materials to stop heat from escaping is determined by their R-value, which is a measure of their thermal resistance. The better a material’s thermal resistance, the higher the number.

Spray foam with open cells has an R-value of around 3.5, per square foot per inch whereas foam with closed cells has an R-value of roughly 6.5 per inch. Spray foam also acts as an air barrier, providing insulation for walls as well as sealing any air leaks or holes. Additionally, you can stop water and moisture from seeping by using closed-cell foam.

Is Spray Foam Insulation worth it?

A well-liked substitute for fiberglass batting insulation is spray foam insulation. Spray foam should be taken into account for your new or existing home for the following reasons, even though its initial cost will be more than batt insulation.

• Tight Seal: Other insulating materials cannot fit into small or oddly shaped spaces the way spray foam does. It is thought to be extremely effective at preventing heat loss, tight seal air leaks, and it even serves as a sound barrier.
• Long-term Value: While spray foam may initially cost more than fiberglass insulation, it can assist reduce energy costs and result in financial savings over time.
• Health Protection: Spray foam can also serve as a water barrier, keeping moisture out of the house and away from the source of any mold or mildew.

Poor preparation or installation are frequently to blame for spray foam insulation’s main problems, which can include the foam beginning to peel away from old insulation or adjacent materials, holes being left in the foam layers, or uneven application. These problems highlight how important it is to hire a skilled expert to install your insulation.

What is the installation process?

Spray foam is applied where it is needed. A heated hose is used to apply spray foam or a mixture of two liquid substances onto the surface that they will insulate. The two substances interact chemically, foaming and heating up inside the hose as a result. The substance enlarges and ultimately solidifies.

Even if a DIY spray foam kit makes it possible for you to first install spray foam insulation on your own, hiring a professional insulation contractor is strongly advised. Experienced experts can help you achieve the best results and can help prevent erroneous insulation selection, faulty installation, and any safety hazards that may emerge from lower-quality materials. They also have the information, resources, and ability to assist you avoid these issues.

Visit Brittany’s official property page to know more about the beautiful thematic offerings of Brittany or follow us on our Facebook, Linkedin, Instagram, and Twitter accounts!

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You may think you won’t be spending too much anymore after owning a car, but it’s actually the other way around. Owning a car comes with the huge responsibility of maintaining them. It’s not just cleaning your car regularly, you also need to set a budget for its regular maintenance costs and other car-related expenses like car insurance, fuel, and toll fees.

Being a car owner is inherently expensive, that’s why you have to ensure that you’re anticipating exorbitant fees for keeping your car running smoothly and reliably for your safety. If you already have a monthly budget, you have likely allotted some of it to your monthly car payments and car insurance. But you need to consider setting aside money for car maintenance expenses also.

The good news is that a preventive maintenance schedule or PMS is available to keep your car operational and will lessen the chances of spending more frequently on unnecessary car repairs over time. It requires periodic maintenance tasks to be performed at certain intervals. Find out more about PMS meaning, car PMS price details, and more.

What is PMS Car Meaning?

PMS stands for car preventive maintenance schedule. PMS is an abbreviation used in auto maintenance services. Since any car will wear and tear over an extended period of use, your car manufacturer knows when your vehicle will deteriorate to guide you for your periodic maintenance. That’s why understanding PMS car meaning is essential for a car owner.

The Important Notes of PMS in Cars

Money is an essential element in preventive routine maintenance. It might be possible that you have to pay for any replacement or upgrade of your parts apart from service prices. You need to take into account the following to prevent any costly repairs:

Have your PMS done at an authorized auto repair shop

Having your PMS done at an authorized shop can guarantee benefits or warranties in case there is a problem with your car. If you have your car maintenance done at an unauthorized shop, you won’t have a valid warranty and you might spend even more in the future.

Follow the Suggested Schedule in the Booklet

What is the recommended schedule for Vehicle PMS? The car PMS checklist depends on the car brand as they have different engineering requirements. However, is advisable to follow the suggested date in your booklet to bring your car for PMS. Otherwise, your car’s warranty might not be valid anymore.

Replace Parts When Necessary

Avoid unnecessary replacements, especially when you know that your car parts don’t need any replacement.

Car PMS Checklist: What You Need to Know on a PMS Car

If it’s your first time hearing of PMS, here are some things that need to be checked on a Preventive Maintenance Schedule car service:

Oil

Oil is crucial in a car as it ensures that your car’s mechanical parts will work smoothly. Oil tends to be dirty and will subside after a period of use. Thus, you need to change oil regularly.

Synthetic oil is mostly used in oil change. When you use this type of oil, you only need to add more and you don’t need to replace the remaining fuel.

Oil Filter

Oil filters prevent any dirt or debris from entering the oil. Your car’s oil filter needs to be replaced, otherwise, it might affect your oil’s performance significantly. Make sure to use a high-quality oil filter designed specifically for your car.

Belts

Fan, steering, and driving belts are some of the key belts for your car to be working properly at a suitable temperature. They need to be replaced frequently.

Car PMS Price in the Philippines

Cost estimations for a vehicle PMS will depend on the type of your car model and how many services you will use during the maintenance. In the Philippines, PMS costs around Php 2,500 for a Japanese Sedan and up to Php 25,000 for a European car. If it is a Mitsubishi Montero Sport, the PMS price costs around Php 8,000 with synthetic oil fulfillment.

Significant Meaning of PMS in Car Service

Having your car a general maintenance can help you in the long run. While it’s normal that your car got broken along the way, what will happen if you are in a deserted place and there is no repair shop nearby? Having your regular car PMS is crucial.

Tips to Save Money on Car Repair Costs

Still don’t know where to begin? Don’t fret, check out these tips on how you can save money on expensive repair costs:

Include Auto Maintenance in your Budget

As mentioned, car repairs are important to keep your vehicle running. Take the maintenance costs into account by adding them to your monthly budget. Assess your car expenses every year, such as looking at your last year’s expenses and dividing it by 12. The result would be the amount you need to set aside monthly.

This way, you won’t have to worry about draining your savings account or applying for a loan when you need some emergency repair because even if it’s a new car, chances are you experience some unexpected issues and you need to restore your car in its tip-top shape.

Look Around for Auto Repair Shops

The maintenance costs will depend on the type of your car problem and the auto repair shop you go to. While you already have your go-to car repair shop, it’s ideal to look for other options. It’s not easy to point out which ones are good or aren’t. Narrow your options by doing the following:

1. Ask for recommendations from your family and friends. You can also check online to see the reviews and satisfied customers. It’s best to ask for a second opinion to determine the best auto maintenance services out there.
2. Ask for estimates from different car repair shops to have an idea of the average cost of repair for cars.
3. Compare rates among the car repair shops to find the one that suits your repair budget. You can also search for online coupons that they offer from time to time.
4. Take note that quality comes over quantity when it comes to having car repairs. But also remember that expensive doesn’t always equate to good quality.

Have an Emergency Fund

Another important tip to budget car repair costs is to have an emergency fund in a high-yielding savings account. The recommended amount is around three to six months of expenses in your emergency fund. By having this significant amount, you can pay for your costs for a few months.

For example, if you allot around 20% of your income a month to your emergency fund, you’ll be in good shape in case you need extra cash to maintain your car’s condition.

Never Skip Regular Maintenance

Car owners should never skip tune-ups, repairs, oil changes, wheel alignment, and other routine maintenance procedures. Always make sure that your car is properly maintained to extend the life of your car’s engine. If you don’t address your car’s problems early, you might be shelling out more money than usual in car repair costs.

Learn DIY Car Maintenance

DIY car repairs are the most obvious way of saving more money. Most car owners have been investing their time in learning how to do some check-ups and car maintenance routines. These include repairing or replacing a dim headlight, oil change, wheel alignment, tire rotation of all four tires, and even changing brake pads.

But leave the more complicated routine maintenance and vehicle repairs to experts.

Purchase Car Parts Yourself

Did you know that you can bring your own parts to the car shop? Doing this practice can save you money from your usual average cost and you can budget more But take note that you need to know the correct model of your car part and purchase only high-quality parts to ensure that can stand the test of time.

Learn More Car Maintenance Tips with Brittany Corporation

Whether you own a new car or you just wanna be more well-versed in car maintenance, you always have to start somewhere. But while your vehicle is up and running smoothly, make sure to visit Brittany Corporation’s luxury homes in Metro Manila and nearby provinces!

Experience Brittany’s world-class house and lot properties for sale with lifestyle centers nearby. You can also do other fulfilling activities without having the need to go far! With its new modern and timeless designs, you can score Brittany homes for a fraction of the price!

To learn more about Brittany, you can check our editorial content on our website, LinkedIn, and YouTube. You can also contact us to set an appointment and see our marvelous luxury properties.

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It can be quite overwhelming for a parent when it comes to computing their children’s expenses. Being a parent is a tough journey which involves a lot of preparation and decision-making. Education is one of the highest expenses that you will have to save up for your children.

Every parent wishes for their children to have quality education. One of the best ways to ensure this is to invest in what’s called an education plan.

What is an education plan?

Your child’s education plays a vital role in how their lives will turn out, especially once they’ve become independent. However, you can never know what will happen to you and your family. This is the main goal educational plans – securing your child’s future.

Education plans are insurance plans or programs that allows you to invest your money for your children’s education, especially in the future. Based on the plan you choose, there are different pros and cons to each one. Some educational plans allow your invested money to grow over time, but of course come with their own risks.

Financial security is important for securing your child’s education fund. Especially for those way into the future, such as your child’s college education, it can be quite risky to secure enough funds. Education plans are made to assure you that your children will receive the education you wish for them.

Recommended Education Plans in the Philippines

Each education plan comes with their own terms and conditions s, so make sure to invest in a plan well suited for you and your children’s needs. Here are some of the top recommended education plans for you and your children here in the country:

Singlife Cash for Goals (Education)

Singlife Cash for Goals (Education) is both a life insurance and investment product combined into one by Singlife Philippines. This educational plan is one of the most affordable ones available in the country, having an initial payment as low as Php 2,500.00 (Single Premium) with scheduled monthly payments of only Php 500.00.

This educational plan works by investing your money in the Singlife Smart Investment Fund, which allows it to grow over time. Benefits of this plan include having no entry or commission fees, meaning all of your money is invested for the plan.

There are also no charges for fund withdrawals in case of emergencies, or if you are unable to meet your monthly payment. It is also easily accessible by simply linking your fully verified GCash account, making your investments a hassle-free experience.

The Singlife Cash for Goals (Education) Plan is only available for parents of age 18 to 55 years old, and has a child between 0 to 17 years old.

Sun Dream Achiever

Sun Dream Achiever is the featured Sun Life educational plan with both guaranteed cash benefits and education benefits complete with life insurance coverage. It is a life insurance and savings plan that ensures quality education for your children, regardless of what may happen to you no matter what.

Premium payments for this educational plan are quite flexible; you can pay annually, semi-annually, or quarterly. However, you may also opt to change into monthly payments after the initial quarterly premium has been made. These monthly payments can also be made into Auto-Debit or Auto-Charge.

A total of four annual cash payouts are received throughout the plan, and each one increases by 15% every year, regardless of your child’s degree and educational institute. However, Sun Dream Achiever is a long-term educational plan; hence, the expenses can be quite overwhelming for some.

This educational plan has a coverage for 15 to 20 years.

Sun FlexiLink

Sun FlexiLink is another educational plan by Sun Life which was made to be more affordable as compared to Sun Dream Achiever. It is also a long-term payment commitment like Sun Dream Achiever, and also has life insurance protection. There is also an option to make a partial fund withdrawal in the case of an emergency.

It is an investment-linked life insurance and offers you other investment options that might help your funds to increase over time. These investments come with their own objectives and risks, so you must always take precaution on deciding which to invest in. However, rest assured that Sun Life has professional fund managers with experience and expertise who can help you with your educational plan.

This educational plan has a coverage until age 88.

AXA AcademiX

The AcademiX Educational Plan by AXA is a customizable investment plan with guaranteed education benefits that will ensure your child’s education all the way to graduation, even in the case of having an untimely death.

This investment plan has a minimum 5 years of payment for the plan. Afterwards, you may opt to to continue for more chances of your money growing, or you can stop making payments and let your current investment cover the recurring policy changes assuming your funds are sufficient enough.

AXA AcademiX also gives out a loyalty bonus for those who are able to keep their policy active on their 10th and 20th anniversary dates, giving you more opportunities for your investment funds to increase.

AIA Future Scholar

The Future Scholar Education Plan by AIA Philippines is another life insurance product made affordable. With a minimum annual premium as low as Php 20,000, this educational plan has high long-term growth potential.

There are also guaranteed education benefits for scholars in the form of eight semi-annual cash payouts given starting at the age of 18 to pay for four years of education. This plan is also flexible in the sense that you can either opt to finish building the funds for your child’s education in 5 years, or until they turn 17 years of age.

The Importance of Preparing Early for your Child’s Needs

Many things are bound to happen over the course of time. Having your own family is a huge responsibility that demands a lot of effort in all sorts of aspects. A child’s education fund can be the most overwhelming and will definitely take up most of your time and resources.

By investing in an educational plan, you are already taking a huge burden off your shoulders. Not only will this help you in the physical or financial sense, but also in the mental aspect. Knowing that your child’s education is secure will make any parent feel an extreme relief.

Your child’s education is only one of the things that you must prepare for when building a family of your own. Aside from their learning environment, their own environment at home also serves as a key factor in determining your child’s lifestyle.

Choosing your home requires just as much effort as choosing your child’s education – if not even more. When it comes to finding the best family homes in the country, nothing comes to mind other than the beautiful homes by Brittany.

Luxury Homes by Brittany Corporation

Brittany Corporation guarantees a comfortable and hassle-free lifestyle for all its homeowners. As a multi-award-winning luxury real estate company, Brittany is the proud home for the top luxury real estate projects in the country.

Having several projects in different parts of the country, Brittany does not fall short when it comes to providing world-class quality living to all its residents. Having a dream-like lifestyle in your daily living experience is the goal here in Brittany.

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Every person has been taught the value and importance of education in our lives. Education provides us with knowledge which we use to have a better understanding in the world we live in. It is a basic necessity for one to learn in order to survive in our society.

While there are several ways that one can obtain knowledge, everyone aims of having a proper and formal education. This provides you with a more formal document to present your accomplishments, which will provide you stability later on in life.

However, not everyone is privileged enough to go for higher education – this is where scholarships come into play.

Why Should You Get a Scholarship Program?

A scholarship program allows you to receive assistance from various companies and organizations in order for you to pursue the education you wish.

Different scholarship programs have their own benefits and conditions, so you must always choose wisely before dedicating yourself to one. While most scholarship programs often give a monthly living allowance or cover expenses of other school fees, not all programs provide just financial assistance. Similarly, different scholarship programs also have their own requirements to be met.

You must always thoroughly weigh the pros and cons of each scholarship program and evaluate yourself accordingly in order to get the best program for you. To help you get started, we’ve listed below the top recommended scholarships for college students studying in the Philippines this year.

Top Recommended Philippines Scholarships for College Students:

DOST-SEI Undergraduate Scholarship 2023

A DOST scholarship is one of the most sought-after scholarships for students who are planning to pursue careers in the fields of science and technology.

The scholarship search for DOST is always the most talked program for aspiring college students under science and technology. The program aims to further advance the study of science and technology in the Philippines, which is why scholars are expected to give back to the country once their scholarship is done.

There are also terms and conditions which must be upheld by approved scholars, which includes those regarding having a conditional or failing mark.

Benefits:

Scholars under this program receive an allowance ranging between ₱80,000 – ₱120,000 per academic year. The value varies per scholar, depending on the academic load that they take.

Application Requirements:

The DOST-SEI Scholarship Program is open mainly to students who have taken the STEM Strand in Senior High School. If you are from a non stem strand, you must belong to the top 5% of your class in order to be qualified for the application process.

Like most scholarships, the DOST-SEI Scholarship program has the usual requirements, having good health, of good moral character, and other required documents. In addition, the applicant must also pass a scholarship examination held by the DOST, which they must not have taken previously (or have taken before but did not get qualified).

Applicants are also limited to natural born Filipino citizens residing in the country.

CHED scholarship

If you’re not a DOST scholar aspirer, then there are many other scholarship programs for you- such as the CHED scholarship.

The CHED scholarship program offers full scholarships for college students under the State Scholarship Program (Full Scholarship and Partial Scholarship) and Private Education Student Financial Assistance (PESFA).

Benefits:

Scholars under this program receives different amounts based on the educational institute they attend. For those in private colleges and universities, financial assistance up to ₱120,000 is given while those in public colleges and universities receive up to ₱80,000.

Application Requirements:

The application process for the CHED scholarship can be quite tedious. There are many official documents that must be prepared beforehand by the applicant, which is why you should start requesting for these documents as early as possible. There are also academic requirements that must be attained for those who wish to apply for the scholarship program.

Applicants must have a General weighted average (GWA) of 96% or above if they wish to apply for a Full State Scholarship Program (FSSP) or Full Private Education Student Financial Assistance (FPESPA). Only half scholarships in CHED (SSP and PESPA), can be granted for those with a lower GWA, but must still meet the minimum which is 93%.

There are different CHED Regional Offices with their own respective official websites, so make sure that you are applying to the correct region you belong to.

Other Scholarship Programs

There are several other scholarship programs available in the country. Most scholarship programs have their own dedicated purpose, such as the health-related scholarship programs by the Department of Health and the Inter Agency Task Force (IATF).

Even after college, there are still programs available to graduate students and beyond. There are also scholarship programs for those in special situations, such as the OWWA Scholarship Program. These are specifically mainly for students with parents working overseas and are assisted by the Overseas Worker Welfare Administration (OWWA).

How to get accepted into a Scholarship Program

A lot of preparation must be done beforehand if you are planning to apply for a scholarship program. You must do thorough research of the program you are interested in, and always make sure that their conditions are attainable for you.

You must always ensure that the information that you submit is true and accurate. In modern times, the applicant’s registered email address plays an important role in keeping updated on your application status. Always double check any submissions you make to ensure that there are no errors.

Always remember that being a scholar doesn’t stop after the application process. Being a scholar is the hardest part of enrolling in a scholarship program. There are different conditions to be met, so you must always do your best to keep your scholarship and finish it till the end.

The Key to Having a Fulfilling and Stable Lifestyle

Education is one of the strongest foundations for your life. It plays a vital role in our everyday lives, regardless of what age we may be. In order to have a comfortable and stable lifestyle, having a proper education can be a necessity.

Your learning environment is one of the places you’ll spend most of your life in, so you must always take into consideration the education institutions you wish to enroll in. Aside from this, there is one other place that is even more important than your learning environment- your home.

The place you spend most of your life is none other than home. It is where you create the most memories, especially with your loved ones. The environment in your home also greatly affects who you are as a person, as such, you must also place substantial effort in choosing your home.

Luxury Homes by Brittany Corporation

Brittany Corporation is well-known for its top-notch luxury residential properties considered as the best in the country. Housing only the most exquisite and beautiful luxury homes and condominium units, Brittany takes pride in being one of the top luxury residential development companies in the Philippines.

Along with quality service and resort-like amenities in each of its projects, Brittany ensures that each homeowner wakes up every morning in a state of pure luxury and comfort. Every single housing project of Brittany is guaranteed to give you only the best daily living experience that you deserve and make your dream lifestyle come true.

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Experiencing a new place brings unspeakable joy. It can be stimulating and exciting altogether especially if you are headed to a place you have always dreamed of visiting. As a matter of fact, the desire and incessant need to explore more of the world is often associated with how our minds get curious about seeing an unfamiliar place from a piece of literature we endear or from ta favorite film. Oftentimes, the curiosity stems from a story we heard from our parents or grandparents providing us with a little pressure and substance.

Either way, everyone was born a wanderer and we could not help but pursue the unrivaled opportunity to form an intimate acquaintance with the place that seems foreign to us.

This incessant need to wander and explore is heightened by how mass media, particularly television series and cinema productions entice its audience to base their tourism decisions on cultural heritage sites they see on full-length films and television programs.

For instance, considering the growing popularity of dramas created by directors and producers from South Korea, many people are influenced to explore the tourist attractions from the said country. Moreover, despite the threat posed by the uncertain security situation in North Korea, many travelers are still drawn to visit Korea. All because of the unexpected popularity that Crash Landing On You garnered.

So, if you are the type of traveler who discovered South Korea for the first time from the television programs you binge-watch on Netflix or you have been meaning to be in South Korea because you want to tick off another Asian country on your bucket list, this fun and week-long travel guide is for you.

How to travel from the Philippines to South Korea?

First of all, you have to apply for and secure a tourist visa also known as the C-3 visa. For this type of visa, a short-term stay in South Korea for up to 90 days is allowed for qualified visa holders. Once the visa is secured, you can proceed to pack your bags and curate a travel guide that works best for a solo travel or group tour. Either way, make sure that the things listed here are included in your itinerary.

Now, if the day of your flight has come, your flight will lead you to Incheon International Airport. Most international flights going to Seoul are accommodated at the said airport, considering that it is the largest and busiest airport in South Korea.

From the Incheon Airport, you can choose between these three transportation modes to take you from the airport to Seoul: train, bus, or taxi. If you opt to use the train station, the Express Train runs nonstop from the airport to the Seoul station.

The travel time is approximately less than one hour. Many foreign travelers visiting Korea choose this transportation mode for convenience and to experience the public transportation of Korea. Make sure that as you travel using their subway station, you have with you the Discover Seoul Pass. This is specifically created by the Seoul Tourism Organization. You will also use this as you constantly wander and commute around Central Seoul.

South Korea Travel: Making the most out of your 7 days in Central Seoul

South Korea Itinerary #1: Explore Korean cuisine by trying the locals’ favorite street food

Every travel guide must start with the country’s local cuisine. Made popular by the Korean dramas we watch, Korean food is the heart of enjoyable South Korean travel. Moreover, most of the markets and food alleys in South Korea are situated near major tourist crowds so you will not have a hard time looking for them.

Moreover, if you have just arrived from the Incheon International Airport, you can definitely head straight to these food alleys and have a taste of their local street food. A highly recommended market with the best street food is the Gwangjang Market.

It is known to be the oldest functioning market in South Korea. Now, the crowd favorite here is mayak kimbap, a sushi-like, seaweed-wrapped roll stuffed with carrots, pickled daikon radish, and rice seasoned with sesame oil. Tourists and locals are so fond of this food that they now call it “narcotic rice roll” because of its addictive taste. Other Gwangjang specialties you can try are makgeolli, a Korean alcoholic drink made from rice, and bindaetteok, a pancake made from ground mung beans, meat, and vegetables.

If you want to include shopping in your food tasting in Korea, consider going to Myeongdong Street Food Alley, which is known as the most popular shopping district in the city. Here, you will find countless carts of Korean food. From fried milk, baked cheese skewers, tteokgalbi meatballs to grilled lobsters, this food alley has them all. Just keep in mind that credit cards are not accepted in these stalls so make sure to bring cash. Walking distance to Myeongdong are shops where you can buy souvenirs, fashionable clothes, and skincare products.

South Korea Itinerary #2: Enjoy panoramic city views from Namsan Seoul Tower

One of the tourist attractions that you should not miss out on in Korea is the iconic Namsan Seoul Tower situated at the top of Namsan Mountain. Garnering huge popularity from that romantic scene in the Korean drama Boys Over Flowers, the said tower is a prominent date spot among locals. Rising at approximately 1, 574 feet above sea level, the Seoul Tower is considered the highest point in Seoul, offering a 360-degree view of the city.

For foreign travelers, what they are excited to see in the Seoul Tower is its observatory which features high-powered telescopes to let you see the entire view of the city.

South Korea Itinerary #3: Immerse on Korean culture by visiting its Unesco World Heritage Sites

Most of the heritage sites in Korea are historical temples and villages that demonstrate Korea’s cultural and religious heritage. For those who want to see Korea’s collection of 80,000 wooden printing blocks which were engraved in the 13th century, visit the Haeinsa Temple. This temple was built for the purpose of preserving the said printing blocks and is located in the province of South Gyeongsang.

Another site you can explore is the Jongmyo Shrine which is situated in Seoul. This is where they house the spirit tablets of the kings and queens from the Joseon Dynasty. Moreover, ancient religious rituals are still held in this shrine. If you want to experience it, make sure you include Jongmyo Shrine in your itinerary. Other heritage sites you can visit in Seoul are Changdeokgung Palace, Seoul City Wall, Hwaseong Fortress, and the Royal Tombs of the Joseon Dynasty.

South Korea Itinerary #4: Wander in the City Center and enjoy the South Korean embassy

Just like how it is portrayed in the Korean dramas you watch, one of the best ways to enjoy your South Korean travel is to wander and discover for yourself the hidden gems in the many alleys of the city. You can also take this time to enhance your street photography skills since Korea is known for its beautiful city landscapes. In your wandering, consider visiting Korean villages such as Bukchon Hanok Village, Namsangol Hanok Village, Eunpyeong Hanok Village, and Yongin Korean Folk Village. These villages will instantly transport you back to Korea’s ancient and rich cultural heritage.

Conclusion

From the aesthetics, hearty food, and rich cultural heritage to grand architecture, South Korea is truly a must-visit country. It would be a disservice if you do not tick this off your bucket list. And speaking of grand architecture, there is a luxury real estate development in the Philippines that houses luxury houses in a community where everything you are looking for is already there. We are talking about Crosswinds Tagaytay situated in one of the finest cities in the country. If you are interested in seeing more of it, book an appointment now.

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