Let’s say you already bought your dream luxury home in the Philippines. You wonder how the seller and the local government set the price for your home. Do they estimate it based on the price when they first bought the house, and add the values of the amenities?

Truth be told, selling luxury houses in the Philippines is more than just pegging a price depending on how much you spent when you first purchased it. You need to know your luxury real estate’s original and actual worth by computing its zonal value.

Read more to know about zonal values and how to compute them.

What is a Zonal Value?

Zonal valuation or zonal value is the value of real properties for taxation purposes used by the Bureau of Internal Revenue. It is the approved zonal schedule on fair market values for the computation of internal revenue taxes.

The governing law for zonal values is the National Internal Revenue Code (NIRC) of 1997. This law gives the Bureau of Internal Revenue the authority to compute, assess, and collect internal revenue taxes, fees, and charges, and to enforce penalties, surcharges, and forfeitures. Under Republic Act No. 10963 or the Tax Reform for Acceleration and Inclusion Act (TRAIN) law, the BIR Commissioner has the power and authority to divide the Philippines into different zones and determine the fair market values of real properties located therein by consulting appraisers from the public and private sectors. The value of the real estate in each area or zone is automatically revised every three (3) years.

But as of April 11, 2021, the Corporate Recovery and Tax Incentives for Enterprises Acts (CREATE) is the prevailing law.

How to Determine Tax Liability of a Real Property?

In determining the tax liability of a property, you have to check the value of the real property based on the following, whichever is higher:

• The gross selling price or consideration that is shown in the duly notarized document of sale or transfer of property; or
• The fair market value as determined by the BIR Commissioner; or
• The fair market value as shown in the schedule of values of the Provincial or City Assessors.

BIR Zonal value applies to the following:

• Land
• Condominiums, such as Brittany Corporation’s luxury condominiums
• Townhouse ownership evidenced by a condominium certificate of title (CCT)

What is the Importance of Zonal Valuation?

The use of zonal valuation is primarily for:

• Computation of internal revenue taxes, such as Capital Gains Tax (CGT), Estate Tax, Donor’s Tax, Documentary Stamp Tax (DST); and
• The basis of computing the fair market value of the real property.

Zonal value is important because it is the duty of every citizen, whether he is a buyer or seller of a luxury real estate or luxury condominium, to pay the taxes associated with the real property transaction. Each homeowner of a luxury house and lot in Metro Manila and the rest of the Philippines must conduct their due diligence on their property’s zonal values to prevent fraud.

Zonal values create realistic values instead of guessing the price of the real property, which can be more or less than the fair market values of real properties located in particular areas. Zonal value is an effective and efficient tax administration through minimizing discretion on both the tax administrators and taxpayers on determining the tax base.

If the zonal value is less than the selling price of the real estate, it does not follow that the property is overpriced. And if the zonal value is higher than the selling price, it does not also mean that the property is undervalued. With this, it is crucial to note the difference between the zonal value and the market value.

What is the Difference Between a Zonal Value and a Market Value?

According to Philippine Valuation Standards, market value is the “projected sum for which a property should pass hands on the day of appraisal between a willing buyer and a willing seller n an arms-length transaction following adequate marketing in which both parties acted knowledgeably, sensibly, and without force.”

Market value is determined based on improvements in land, infrastructure, and other criteria. It is also used for due diligence purposes for looking at similar values of the same real estate. On the other hand, the Commissioner of the BIR determines and declares the zonal value of the real estate.

How to Compute for your Zonal Values?

There is no universal formula in checking for zonal values. You must inquire at the Bureau of Internal Revenue to determine the BIR zonal values for your area. Here are the steps on how to calculate your property’s zonal value:

1. Know your Revenue District Office (RDO) Code

RDOs are sectors of the BIR that keep records of taxpayers under its jurisdiction. Look for your RDO Code so you know where to process requirements and pay your taxes.

There are three ways to determine your RDO code:

• Check the copy if you applied for a TIN for your luxury real estate. You can look into the BIR Forms 1901, 1902, 1903, 1904, and 1905.
• If you still are not sure about the RDO Code of your location, such as San Carlos City, San Pablo City, or San Rafael, or if you have not yet applied for a TIN, you may call the BIR hotline through the BIR’s Customer Assistance Division.
• You can visit the nearest RDO in your local municipality and request a TIN verification slip. Fill out the slip with your full name, address, and birth date. Submit the accomplished TIN verification slip to the BIR Officer who will then stamp it and indicate the TIN and RDO Code.

2. Visit the BIR Website

Check the BIR website to locate where the zonal values of provinces, municipalities, and cities are posted. Once you entered the website, use your RDO code to navigate the RDOs on the site.

You may also have the option to look for your RDO by making a request via the Freedom of Information Website at foi.gov.ph. The Freedom of Information (FOI) was created pursuant to Executive Order (EO) No. 2 or the Executive Order on the Freedom of Information. This EO aims to promote an open government by increasing transparency of public records of the executive branch and its agencies.

3. Download the Excel File

To view the excel file, you need to download the ZIP file first from the website. Once downloaded, extract the file that you need. It is highly recommended you have at least basic knowledge of how to use Excel to understand the file easily. The file includes BIR zonal value from the year 1988 — this is helpful to determine the appropriations and valuations provided through the years.

Aside from the zonal valuation, the file also includes the Department Order signed by the Secretary of Finance and the Commissioner of Internal Revenue, definition of terms, a legend for various properties, and a table of values for various types of properties in certain locations.

Find the Home of your Dreams in Brittany

Now that you have an idea how sellers and provincial and city assessors determine the zonal value of luxury houses in the Philippines, it’s always a good way to determine how much budget you have to buy your next dream home.

But having a world-class living experience doesn’t have to be expensive! Brittany Corporation offers townhouses, condominiums, and other luxury house and lots in Metro Manila and in provinces such as Laguna. You’ll be surprised with its modern-looking and fully furnished houses pegged at a reasonable price. And in case you are overwhelmed with all the requirements, our accredited real estate agents and brokers are more than glad to help you ease the pain.

Head over to our website, LinkedIn, and Youtube to know the latest news about us.

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“Trees exhale for us so that we can inhale them to stay alive. Can we ever forget that? Let us love trees with every breath we take until we perish.”

― Munia Khan, internationally recognized poet, author and editor of multiple books and anthologies

Truly, plants, such as trees, give us numerous benefits. It is highly encouraged to have trees surrounding your home. There are different types of trees, so make sure that the type of tree that you will select is the best fit for your yard.

Make sure to read the different types of trees and the benefits they can give you and your family.

Here are some of the Best Luxury Trees to Have In Your Yard:

Luxury Trees #1: Deciduous trees

-The meaning of the word deciduous is to “fall off,” and the leaves of these deciduous trees shed every fall. Deciduous trees is one of the popular tree species.

Most deciduous trees have spreading branches, and wide and flat leaves. Deciduous trees differ from most evergreen trees (which usually keep needle foliage thru out the seasons) and coniferous trees (typically evergreens that bring about cones).

A deciduous tree is a good tree for your yard, indeed – a large deciduous tree will undoubtedly bring attention to your backyard; medium sized deciduous trees are also great and welcoming; and a small deciduous tree is perfect for a growing family.

If you see a deciduous tree, try to figure out what kind of tree is it because deciduous tree has many tree species.

Some of these tree species are oak trees, sugar maple trees, birch trees, beech trees, and ash trees. The willow tree and walnut tree are included in the said types of trees as well.

Oak trees are included in the types of trees of the Deciduous family.

The oak genus, Quercus, comprises over four hundred fifty tree species and shrubs. The most prevalent oak trees include Red, Black, White, Bur and English.

Japanese, Oriental, Sawtooth, Mongolian, and Daimyo are among the Asian oak tree species. In certain tree species, the broad flat leaves of the oak feature lobes with toothed edges. Oak trees produce acorns as their fruit.

The wood of an oak tree is usually used in furniture and flooring industries, as well as lumber in construction.

Luxury Trees #2: Maple trees

Acer, the maple genus, contains over two hundred tree species and plants. Maple trees, including the sugar maple, are deciduous trees.

Among the most prevalent colors of maple trees are red, silver, and sugar.

Maples are frequently utilized as ornamental trees in landscaping and when the said shade is sought.

Maple trees may seem familiar to you because of the famous maple syrup ofcourse.

But did you know that besides from the sugar maple syrup, there are other things that are made from maple trees?

Bowling pins, baseball bats, and butcher blocks are some of the things that are made from maple trees.

Indeed, maple trees are one of the most vibrant fall leaf hues of all tree species.

Luxury Trees #3: Birch trees

Birch trees are utilized for timber and decorative purposes and have smooth black and white bark.

Paper, yellow, white, gray, and river birches are among the approximately 40 species of the Betula genus.

Monarch and cherry birch are two Japanese species of birch trees.

Birch leaves have serrated edges and are shaped like an egg or triangular in form.

Are you aware that birch leaves turn yellow in the autumn?

Furthermore, Birch is widely utilized in the manufacturing of furniture, as well as flooring, and paneling. Burch trees are used for plywood, cabinets, and trim.

Birch trees go a long way back; birch bark was used by Native Americans and early settlers in North America to make boats, roofs, and shoes.

Luxury Trees #4: Coniferous trees

Besides from deciduous trees, we also have coniferous trees.

Feel like saying coniferous trees is too much? Well, you can just simply say conifer trees, for it is another term form coniferous trees.

To put it simply, conifer trees are tree species that produce pines. Especially with the holidays incoming, you might recognize these triangular shaped trees. Nothing beats beautiful and well-designed pine trees made to serve as Christmas trees.

Another famous type of pine trees is the fir tree. A fir tree belongs to the group of evergreen trees, along with other pine trees. Conifer trees are especially popular in places with cold temperate climates, such as those in mountaintops and plateaus.

They attract wildlife and have thermal benefits, which is what makes them immensely popular in the cold regions, and also why they have become an icon for the Christmas trees during the holidays.

Both fir tree and pine trees are often made into ornamental trees during the holidays.

Luxury Trees #5: Fruit trees

If Coniferous trees bear cones, then we can’t let the most famous tree byproducts go unnoticed – the fruit trees!

Perhaps one of the most famous trees for families with children, fruit trees are often found in even in homes with growing children.

Planting and having a tree itself are already very nice additions to your backyard since it is a great place for kids’ activities, yet there are countless more possibilities when you go with fruit trees.

Give your children and other family members the full experience by letting them harvest their own fruit whenever the trees bear them.

This activity not only is a great way to strengthen family bonds, but it even provides your family with appetizing and healthy fruit!

Fruit will never taste as good and rewarding as those that you grow and harvest by yourself, after all!

Some of the best choices for trees to grow in your background are orange trees and lime trees. Both orange and lime trees grow well in tropical countries because of the warm temperate climates.

Other notable fruit trees you can plant are pear trees, apple tree, and cherry trees.

However, do bear in mind that fruit trees also come with their own risk, such as other types of trees. Fruit trees are open to getting fruit tree diseases.

These diseases affect the tree itself, hence, it is also one of the reasons why parents always tell their children to take care of their fruit trees.

Other Types of Luxury Trees:

There are numerous other notable trees that you can plant in your background that would make lovely sights. Here are only some of our other picks for your backyard tree planning:

1.) Spruce trees

2.) Cypress trees

3.) European beech tree

4.) Honey locust tree

5.) Hickory trees

6.) Quaking aspen tree

7.) Tulip tree

8.) Elm trees

9.) Magnolia trees

10.) Eastern redbud tree

Having greenery is always pleasing to the eyes. Other than trees, you may also want to consider having other woody perennial plants for lush green foliage. Fragrant flowers will also make your home appealing not just to the eyes, but also to the nose.

Homes with Lush green foliage

Of course, if your home is adorned with beautiful and healthy trees, it’ll be even better if your entire neighborhood is the same.

A healthy environment, both physically and metaphorically, is one of the most important factors to living a comfortable life.

To start out your new home, look no further than the most beautiful houses found in the luxury homes of Brittany in Forresta Luxury Lots.

Grow Your Luxury Trees At Your Yard In Your Forresta Home

Known for their wide selection of amazing luxury house and lot for sale in the Philippines, Forresta Villar Land is undoubtedly one of the best luxury homes in the country.

Partnered with the healthiest and most elegant green environment, be one with nature as you experience world-class luxury living here in Forresta.

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Unprecedented floods, typhoons, hurricanes, landslides, food shortages, living space shortages, environmental degradation, and rising water temperatures, these natural disasters are more visible now than ever in the history of humankind and the earth’s surface.  All countries worldwide are battling the effects of climate change every day, and truthfully the cause is none other than human activities.

According to the United Nations, 75 percent of the cause of climate change is global greenhouse gas emissions released in our environment of which 40 percent is from the real estate industry and businesses. With this having raised people’s awareness and with the future that is in the mind of the general population, sustainability has been one of the top priorities of the real estate sector.

When looking for a new property in the Philippines that will give you and your family the most beautiful houses in the Philippines, consider Brittany Corporation as one of the marketing firms that will offer you condominium for sale and residential house and lot properties for sale near shopping centers which is located in areas safe from different calamities.

Sustainability and its importance

More than 30 years ago, in 1987, for the first time in history the concept of sustainability started in the famous Doctor Gro Harlem Brundtland report in the United Nation. He defined sustainability as ‘meeting the needs of the present without compromising the ability of the future generations to meet their own needs. The report presented by Doctor Brundtland was the first warning to humanity about the economic growth and globalization development’s negative environmental consequences.

Sustainability plays an important and undeniable role in commercial real estate as 70% of this industry in urban areas contributes to the global carbon levels and impacts greatly the major environmental phenomenon of climate change.

Sustainability brings all the stakeholders, marketing firms, tenants, property owners, real estate owners, sales agents, and real estate professionals not to assume that global resources are infinite but rather limited. Sustainability ensures that there will always be enough for the future next generation by the careful and conservative use of the earth’s natural resources without sacrificing the present quality of life.

With sustainability and its importance concept in mind, green society or better known as sustainable real estate development was built. Sustainability can also be seen in the most beautiful houses in the Philippines of Brittany Corporation like its condominium in Baguio and house and lot for sale in different areas in the Philippines.

Sustainable Real Estate Development, what does it mean?

In today’s current trend, sustainable real estate development is the process of incorporating environmentally-friendly design materials, technologies, methodologies, and techniques into the whole process of creating buildings. It creates real property that produces major jobs, investments, and businesses that contributes to economic growth without hindering the future taste of a very limited number of resources.

Sustainability real estate development imposes together with standards of government institutions in the real estate industry in different locations around the world. Its main goal is to use strategies and materials that will turn the undeveloped property, raw land, and vacant land into apartments, townhouses, single family homes, permanently attached buildings, commercial real estate, residential real estate, or multi story detached buildings into personal property buildings of a real estate owners that produce less home carbon footprint.

Sustainable real estate development aims to reduce residential real estate and commercial real estate’s impact on the environment, from the materials used to daily operations. Sustainable real estate development helps not just the owners of buildings but also the buyers and realtors to achieve lesser operating costs in their most beautiful houses in the Philippines, condominium for sale, and house and lot for sale. Moreover, sustainable real estate development helps real property owners to create and add value to their investment and business in a  world of firms of buildings and residential buildings.

Condominium for sale, such as condominium in Baguio, and house and lot properties for sale of Brittany Corporation offers a wide range of sustainable features that everybody will benefit from. Consider checking the marketing material on Brittany’s website.

The Benefits of Sustainability in the Real Estate Industry

Sustainable real estate development promotes a strong balance and environmental conservation between natural and human systems. With this widely known trend today, the majority of consumers demand sustainable development features in their homes as it will not only save and value their money but will also help the planet by reducing the production of carbon footprint.

Regardless of the season, real estate transactions in residential real estate or separate apartments, materials, and technology are giving the benefits of sustainability in the real estate industry.

1. Increase Income Potential

   The path to sustainability requires commitment and has daunting tasks. There is a lot to consider and learn in compliance with many Republic Acts in the Philippines like RA 6969, RA 8749, RA 9003, and RA 9275. Beyond this, obtaining certifications issued by international and local governing bodies that certify property firms and other properties as sustainable, such as WELL, LEED, BERDE, and EDGE is also an investment.

With all these investments, increase income potential will be benefitted. Consumers nowadays are looking for this certification as they want to have energy-efficient utility systems and homes. Consumers know that they will not just benefit in the present time from green homes and sustainable development but bigger savings and value for them also in the future. Thus, sustainable real estate not just results in increased income potential but also in reduced poverty rate.

2. Demand Increase and sustainability

Energy costs have risen year-over-year for more than a decade due to the increasing population and increasing demand for energy supply.  Thus resulting in limited production of natural resources such as crude oil, coal, and natural gas decrease. Energy consumption is increasing also all across the board and the world. For all these reasons, homeowners are looking to get ahead of increasing prices and fight poverty.

Homeowners are looking in the real estate industry the qualified real estate that offers energy-saving and energy-efficient completed units and new units that lowers the cost and rent of the house and lot for sale. Demand for this kind of sustainable development is increasing yearly.

Moreover, many development financing institutions and credit unions have a clear role in supporting the increase in green affordable housing. Many markets face the urgency to meet the increasing demand for sustainable development and the total attention now is on green construction. Development financing institutions help demonstrate the viability of affordable green housing property and showing units finance through their own investments in partnership with private lenders by fixing deficiencies and collecting rent.

Sustainable property and real estate in Brittany Corporation

Brittany Corporation condominium in Baguio, house and lot for sale, and house and lot properties for sale operate efficiently. In fact, Brittany Corporation home features many various sustainable and energy-efficient parts that benefit homeowners. Brittany Corporation has LEED Certificate that certifies its efficacy and service in providing better properties with the love for their investor’s future and family in mind.

Renovating & Repurposing your homes in Brittany Corporation

If you are thinking of renovating and repurposing your current luxury house, Brittany Corporation got it for you. Brittany Corporation marketing officers and real estate professionals are very honored to assist you when considering implementing sustainable real estate development practices in your current home and if you are looking for another luxurious property that is considered “green” or reduces the production of a home’s carbon footprint.

Renovating your existing structure and retrofitting it with green real estate development features will save you a considerable amount of money upfront and achieve the same goal. Installing solar panels under the Philippines’ climate is also beneficial in making your real property a green home and sustainable real estate property. At the very least, get and consider the benefit of natural renewable resources your home’s location environment has to offer to achieve the sustainable real estate development you want.

Remember, every step in the right direction of sustainability is a win for the planet and for you. Make it with Brittany Corporation!

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You will surely agree that the increase in the prices of food and services has drastically changed the way we budget and purchase things.

You will surely agree that the increase in the prices of food and services has drastically changed the way we budget and purchase things.

The main culprit in this is inflation which means a continuous increase in the average cost of goods and services, even a particular industry such as real estate across an economy. Additionally, it shows that a currency used in the market has lost some of its purchasing value.

However, if you’ve been thinking about investing despite the current economic condition, keep reading to learn how the inflation rate may impact your housing and real estate purchases.

What is the Philippine Inflation rate in 2022?

In the Philippines, the annual inflation rate increased from 6.9% in August to 7.7% in October 2022, exceeding market expectations of 7.1%.

According to a statistics agency, the average inflation rate for the nine months leading up to September was 5.1%, well above the central bank’s target range of 2% to 4%. The September inflation rate, which was higher than the 6.7% predicted in a poll, was primarily driven by high food and utility prices.

This is the highest recorded inflation since December 2008 in the country.

Inflation Rate Factors: What causes inflation in the Philippines?

Several factors cause inflation in our country. Some economists blamed the Russia-Ukraine war on the increased global oil process and other global commodities.

Some related inflation to the global pandemic caused a lockdown in China, the world’s second-largest economy.

But a significant driver of inflation in the Philippines was brought by Super Typhoon Karding damaging Central and Northern Luzon provinces which are the biggest producers of rice, corn, vegetables, and other food and agricultural products.

What are the effects of the rising inflation or inflation rate in the Philippines?

1. Your ability to buy will be reduced – The decline in consumer spending is inflation’s most evident effect. Many people see effects on their budget as their purchasing power declines. For others, this could be a reduced level of living and giving up luxuries to buy necessities. However, individuals with low incomes or fixed incomes frequently suffer the most.
2. Your fixed income will be insufficient – Making ends meet can get more and more difficult when everything in the market increases. The rate of inflation would also affect retirees who depend on pension benefits and others with fixed incomes. Their normal pension may no longer be sufficient to support their way of life due to the increase in the cost of basics like food, medicine, and utilities.
3. Raise in Interest Rates – Continuous inflation indicates an overabundance of money. And raising interest rates is one approach to lessen the amount of money in circulation in the economy.Interest rates are raised by central banks to reduce borrowing and slow the rise in prices. You tend to save more by making budget cuts when interest rates climb. Money becomes more expensive and scarce as a result of the decline in the money supply.This has a significant effect on households across the nation because the ordinary consumer uses borrowing to make major purchases, like a home or vehicle, a reality. You will bear more charges due to increasing interest rates if you have any debt with a variable interest rate.
4. Your Living Expenses will Increase – When the prices of products and services rise, as a consumer, you will spend a larger proportion of your income in order to retain your existing levels of life.Even if your income increases due to inflation, you’ll probably be shifted into a higher tax bracket.
5. Your capacity to save will be decreased – A high rate of inflation makes it likely that you won’t have enough money set aside for retirement, education for your children, unexpected medical expenses, and your business. This could have an impact on your future goals.

Types of Price Indexes

By creating inflation indices, inflation is measured. The amount that prices have changed over time is indicated by inflation indices, which are used to calculate inflation rates. The indexes themselves serve as a reflection of a certain moment’s price level.

Only a predetermined basket of goods and services is included in the index, not all prices. The products that are pertinent to a market or group are represented by the basket in the index. As a result, there are several price indexes for the prices that various groups must pay. As follows:

1. WPI, or the wholesale price indexPrices for products sold in the wholesale market, or the market where bulk purchases are made for later sales, are included.
2. The CPI, or Consumer Price IndexIt covers retail market prices for products and services, i.e., the final costs that customers must bear. As a result, it is also known as the cost of living index. It is also used to index employees’ dearness allowances in response to price increases.
3. The PPI, or Producer Price IndexIt covers the prices of the first commercial exchanges of commodities and services, or the exchanges at the point of first sale, often known as producer or output prices. Public utilities and the industrial (manufacturing) sector are typically covered by the PPI. Agriculture, mining, transportation, and business services are also present in several nations. The producer prices do not include taxes or transportation costs, whereas the WPI prices include.
4. Using the GDP DeflatorThe value of all the products and services generated in an economy in a given year is known as the Gross Domestic Product, or GDP. Production, transportation, and commercial services. Value is defined as the total quantity of goods and services (total output) multiplied by their respective prices.
5. Private Final Consumption Expenditure Deflator:Through the analysis of this deflator, the movement of the nation’s consumption pattern can be determined. The cost borne by households is known as the private final consumption expenditure, and its deflator calculates the change in it by dividing its value at current prices by its value in the base year (at constant prices).

What is the relationship between the consumer price index and inflation rate?

The CPI, or Consumer Price Index, is used to calculate an economy’s inflation rate and the purchasing power of its currency. The CPI measures the change from a base year in the average retail prices of a fixed basket of goods and services typically purchased by typical households. It is a significant data series used in economic analysis, evaluation, and as an indicator of governmental economic policy. The CPI change from one year to the next, stated in percent, is the inflation rate.

The CPI is the most commonly cited indicator of inflation, closely followed by other indicators utilized by policymakers, the financial sector, companies, and consumers.

What is the consumer price index for housing?

According to Philippine Statistics Authority, the consumer price index increased to 117.90 points in October from 116.80 points in September of 2022.

CPI Housing Utilities in the Philippines increased to 115.10 points in October from 114.60 points in September this year.

Government-set interest rates frequently have an impact on mortgage rates as well as other types of long-term debt. Rates frequently rise as the CPI rises and the government implements policy actions to control inflation. However, landlords can accurately determine what annual rent increases for tenants should be using CPI data.

In spite of the inflation rate continuing to climb in 2022, the GDP of the Philippines is anticipated to expand faster within the government’s goal range of 7-9%. Second-quarter economic growth is anticipated to pick up speed as community quarantine rules loosen even further. Despite the fact that gasoline prices are at an all-time high, transportation of commodities is no longer a concern and mobility is no longer an issue. Nevertheless, it is anticipated that the economy would continue to grow at a target rate of 6-7% in 2023.

Invest in Real Estate Amidst High Inflation

Businesses and consumers safeguard their funds in non-liquid assets like fine wine, real estate, gold, stocks, and bonds during persistent inflationary periods. These assets’ prices rise more quickly than the cost of other goods and services and outpace inflation.

Some homebuyers are priced out of the market as interest rates climb. However, individuals who can still afford a property might begin to notice less competition. Lack of competition may make it easier for you to purchase a home.

But when it comes to investing in real estate, it is important to be smart and cautious. Because of inflation, it is essential to examine your finances and see what you can actually afford.

Interest rates typically rise along with inflation when it is high. This means that you should prepare to pay higher interest rates if you plan to use a mortgage to finance your real estate acquisition. Once more, doing your research and working with an experienced lender can be quite beneficial.

Timing is key if you’re trying to buy a house as an investment. When prices are low, you want to purchase, and when they’re high, you want to sell. Of course, it’s easier said than done, but there are times of the year when prices tend to be very low.

Additionally, you must be knowledgeable about the state of the market in your area. Prices in your city may not necessarily decrease just because there is a nationwide slump. They might even increase if more people relocate to your city in quest of better employment opportunities.

So, if you’re considering investing in real estate, pay close attention to both local and global market conditions. By doing this, you’ll be able to timing your buy well and possibly get a good return on your investment.

If you keep on searching, Brittany’s Properties offers great deals and makes sure that you have made a wise decision despite these uncertain times!

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Living in the Philippines is like experiencing summer almost all year round. This is why visiting Baguio in Northern Luzon is always a good idea for travelers across the country who want to take a break from the constant tropical heat in the lowlands.

Baguio has been hailed as the ‘Summer Capital of the Philippines’ because of the simple reason that visitors flock to this area during the summer season. This highly urbanized city experiences an average temperature that is ranging from 15 to 23°C. Even during the hotter days, Baguio City rarely experiences a temperature higher than 26°C which is why it is a great place to see beautiful plants, flowers, and lush vegetation that would not survive anywhere else in the Philippines. One example of this is the pine tree which is endemic to places with colder climates. Baguio is an exception to the rule because even if it is situated in a tropical country, it also gained the nickname ‘City of Pines’ because it is the best place to see majestic pine trees in the country.

Visiting Baguio City feels like an escape from reality because it will truly feel as if you are entering a different world, which explains why it has been always one of the top destinations to go to for a quick getaway from the metro.

Going for a Road Trip to Baguio

Aside from cooling off to get a taste of the cold climate, Baguio City has a lot more to offer ranging from breathtaking flora and gorgeous parks with unique food and keepsakes. Every traveler can opt to walk around with nature, ride a boat or a bike, or shop until you drop all over the city. It has everything one needs for a fun and spontaneous getaway.

Planning for a road trip top Baguio soon? Some of the most popular attractions in town are Burnham Park, Camp John Hay, and the Baguio Cathedral. There are also nearby locations that offer great activities for little children such as picking strawberries or vegetables at La Trinidad’s farms open to public.

As the city became a mecca for travelers in the country, there are also a bunch of new, aesthetically-pleasing cafes and restaurants that are great for dates or family eat-outs. In fact, many people from many parts of the country travel all the way to Baguio for its widely popular coffee culture. The Summer Capital of the Philippines is one of the top places for coffee hoarders because the amazing quality of beans and grounds that can be found in this area.

Overall, Baguio City is easiest one of the top places to visit in the country for a road trip. It almost has everything that one can ever ask for a chill yet fun adventure.

Finding Gas Stations Within Baguio City

One of the non-negotiable items needed for a road trip is access to gas stations within the area. Nowadays, it is easy to locate nearby areas with the help of technology. In fact, there are a number of options in locating gas stations in one’s roadtrip route.

Some of the ways to check the nearest gas station are the following:

• Using Google Maps

  Probably the most popular navigation app to people is none other than Google Maps. Most cellular phones already have this app installed and its features are some of the easiest to use as well. It is used in almost every trip above sea level.

  When looking for a nearby gas station in Baguio using Google Maps, simply tap the Magnifying Glass icon on the right side of the screen. This function should bring up the Search along route screen. From there, the user can just type their current location into the box and nearby establishments should be available afterwards. The updated ones also show Gas Stations icon which not only shows the location but also how far it is and the current price for gas in the specific gas station.

  On top of this, this functionality of Google Maps can also be used for other establishments such cafes and restaurants which will definitely make the roadtrip more convenient.

• Using Waze

  For drivers in the Philippines, another popular navigation app that competes with Google Maps is none other than Waze. It is the perfect partner for those who needed help in navigating their next roadtrip stop with its features that are best suited for the designated drivers.

  While the navigation feature is active, you can locate a gas station using Waze by tapping the bar at the bottom part of the screen that shows the information about the distance or arrival time. There is also an Add a stop feature upon scrolling down, tap the gas pump icon in that area and the nearest ones in the particular car local vicinity should appear.

  Like Google Maps, Waze will show a list of gas stations with all their basic information like how far away they are from the current location and and the current price of gas. Although, an advantage is that using Waze will also show how long it will take to arrive to the original stop after adding a quick stop to the gas station. Basically, this app is more optimized for driving navigation.

Gas Stations Within Baguio City

Finding it difficult to use navigation apps during your road trip? Do not fret! Here is a list of top gas stations within Baguio City in our database to help you have a smooth experience on that road trip.

• Abanao Shell Station – Baguio City

  74 Abanao Road, Baguio City, Benguet
  Landmark: This gas station is near Burnham Park. The nearby establishment is 888 Home Furnishings and Security Bank.

• Caltex World Gas Station – Baguio City

  Brower Road, Baguio City, Benguet
  Landmark: Brower Road is near Baguio’s Grand Mosque.

• Caltex Gasoline Station – Baguio City

  Chanum Street, Baguio City, Benguet
  Landmark: It is located across Igorot Garden and Park at Burnham Park.

• Caltex Gasoline Station – Baguio City

  Legarda Road, Baguio City, Benguet
  Landmark: The Orchard Hotel Baguio and Route 55 is located at Baguio City’s Legarda Road.

• Caltex Gasoline Station – Baguio City

  Naguilian Road, Baguio City, Benguet
  Landmark: Baguio Memorial Park is located along Naguilian Road in Baguio City.

• Petron Gasoline Station – Baguio City

  Worcester Road, Baguio City, Benguet
  Landmark: This gas station is close to Pine Tress of the World Park and is next to Starwood Hotel.

• Shell – Baguio City

  Marcos Highway, Cordillera Administrative Region, Baguio City, Benguet
  Landmark: This is located next to Marciana Villa and a Honda motorcycle shop.

• Shell – Baguio City

  Naguillan Road, Baguio City, Benguet
  Landmark: This gas station is located next to AP Cargo Baguio Branch and close to Hotel Catarina.

Live Your Best Life in Baguio City

Brittany Corporation has been widely known in the luxury real estate world for bringing state-of-the-art living experience to its homeowners in the South of the metro. Soon, a new view will be added to their luxurious roster give homeowners the best experience of nature living.

Find out more about Brittany’s upcoming luxury real estate development up north! Bern Baguio will open to give its residents the life they deserve—a life of solace, wellness, and nature. To know more, check Brittany’s property listings page or follow their social media pages for the latest updates.

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The Philippines is internationally known for its amazing islands and beaches such as Boracay, Puerto Galera, El Nido, and many more. However, these natural attractions that are best for the summer have a low season. It is because a tropical country like the Philippines has two main seasons: dry and rainy. During the months when much rain is expected, people opt to look for other locations to visit.

One of the top vacation spots that is great for both the hot and cool climate is found up north, no other than Baguio City. It is always the main article when it comes to vacation spots in the country. Although, many people fail to realize that Baguio City is located within a much larger province that is Benguet. Nowadays, cities near Baguio are continually gaining attraction from visitors and some were even featured in several films shown through mainstream media.

Basic Information About Benguet

For anyone who is craving for picturesque mountain views, along with some cool breeze and peaceful atmosphere, Benguet is the place to be. It is located in the Northern part of Luzon, at the southernmost part of the Cordillera Administrative Region (CAR). It is a big province with 13 municipalities, one independent city, and 140 barangays which makes up a total area of 2,769.08 square kilometers.

Benguet is a great place to be whether a visitor is looking for either a tranquil or an adventurous experience. Although, aside from being a famous vacation spot, Benguet is also popular for being one of the main sources of fresh produce in the country. Due to the cold climate in the area, it became one of the best places for vegetables, fruits, and other crops to grow which earned it the title ‘Salad Bowl of the Philippines’. Its capital, La Trinidad, is one of the top producers of vegetables and strawberries that are being supplied all over the Philippines, and some were even exported to other countries.

Living in the Summer Capital Of The Philippines

Since Benguet is a really nice place to stay in for a vacation, some people decide to move to this area and reside in the province for good. During the pandemic, when remote work became the norm, many people thought to make the best out of the crisis and move somewhere they want to spend their days in—not just for a short trip but for their every single day.

Baguio City alone, famously known for being called the ‘Summer Capital of the Philippines’, has so many beautiful attractions where residents can hang out on a daily basis. Living in the city center, somewhere near Marcos Highway, gives residents easy access for a daily stroll in Burnham Park, Bayan Park, Camp John Hay, The Mansion, and many others. For nature-lovers who are seeking for a more adventurous time, they can easily arrange a hike at Mount Pulag to see the breathtaking sea of clouds.

There are also a number of market area that residents can choose from, or better yet, they can turn shopping for produce to a more fancy experience by taking the leisure of picking their own batch of the most fresh vegetables and fruits at the farm. Doing this also comes at a fair price unlike the ones that people can buy at a highly urbanized city in the nation’s capital region.

Last but not the least, it would be a special treat to wake up each morning with easy access to tourist favorites such as the must-try strawberry taho—hot silken tofu with sweet strawberry syrup and smaller boba-like pearls. There are also other treats made with strawberries all over Benguet such as ice cream and pastries that are best paired with strawberry jam.

Who would not want to live a place with constant cold climate, easy access to fresh produce, and an overall luxury living experience residing near some of the best natural and scenic landscapes in the country? It is a dream!

Planning to move to Benguet? Or recently moved to the area? Here is a list if the the zip/postal codes and area code in Benguet in case there is a need for it.

Benguet ZIP/Postal Codes

A zip code and a postal code are basically has the same purpose, the term just differs for each country. For example, the term zip code is mainly used in the United States. However, in the Philippines, the two terms are being interchangeably used.

See below for the list of the different locations in Benguet and their respective zip/postal codes.

• Atok Zip/Postal Code: 261274
• Baguio City Zip Code: 260074
• Bakun Zip/Postal Code: 261074
• Bokod Zip/Postal Code: 260574
• Bugias Zip/Postal Code: 260774
• Itogon Zip/Postal Code: 260474
• Kabayan Zip/Postal Code: 260674
• Kapangan Zip/Postal Code: 261374
• Kibungan Zip/Postal Code: 261174
• La Trinidad Zip/Postal Code: 260174
• Lepanto Zip/Postal Code: 260974
• Mankayan Zip/Postal Code: 260874
• Philippine Military Academy (PMA) Zip/Postal Code: 260274
• Sablan Zip/Postal Code: 261474
• Tuba Zip/Postal Code: 260374
• Tublay Zip/Postal Code: 261574

Benguet Phone Area Code

Unlike the zip/postal code, the province of Benguet has one area code. Since it is quite far from Manila which area code is very much known to people, it is pretty obvious with its area code. Benguet’s 74.

Why Move to Benguet

There are plenty of reason why many people are choosing to change their residence to the province of Benguet. One of the top reasons is the worsening weather condition during the hot season especially in the highly populated areas in the country.

Despite being considered highly populated, Benguet is one of the exceptions for this though. The top reason why people loved visiting this province is because of its well known cool climate even during the summer. This is good not only for comfort but it helps people experience better sleep and helps one’s immune system to work harder. Also, with the trend of Korean skincare in the country, the cool climate is known to be excellent for people’s skin condition. And most importantly, it will help in saving since there will be less expenses spent on electric bill.

Aside from the climate, Benguet is also home to many great schools which is definitely a priority for families. In Baguio alone, there are a lot of great institutions that offer top-tier quality education from elementary to college. If this is a cause for concern, rest assured that finding a good school for children will not be a problem in this province.

Lastly, Benguet is slowly being urbanized which can make the residents experience both a piece of province life and city life. Baguio, for example, is already a well-developed city where residents can experience accessibility like living in the metro. On the other hand, there is always still a space for tranquility and comfort that only a life in the province can provide.

Experience Luxury Living in Baguio

For many years, Brittany Corporation brought the luxury living experience in the South of the metro. Now, a new view has been reached to give homeowners the best experience of nature living.

Soon, the doors of Bern Baguio will open to give its residents the life they deserve—a life of solace, wellness, and nature. Celebrate life and luxury at Bern Baguio! To know more, check Brittany’s official website or follow their social media pages for the latest updates.

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Imagine you are a property owner of a luxury real estate, and your title abstract indicates that your home is encumbered with an easement. This means your home gives another party right to access your property without your permission.

An easement is a common encumbrance you will see in most land titles. That’s why before you buy a new home, you need to know what they are and how they affect your property rights.

What is an Easement?

Easement agreements are real estate concepts granting the holder permission to use another person’s property land for a fee. Public utility companies often purchase it to erect telephone poles or run pipes above or below the property. But even if the property owner is paid for the easement, it will still negatively affect the property value because. For instance, the power lines can be an eyesore for some and it can possibly lower the visual appeal of the land.

How Does It Work?

A typical easement agreement is outlined in a form of payment by the petitioner to the owner of the right to utilize the subject of the it. Since easements vary from the agreement between the parties involved, the easement agreement must explicitly state the purpose of the property and the termination of the easement to be given to the property owner.

But if you are the holder, you have the right to access the property of another person’s property. A common example of this instance is you need to cross someone else’s property to access your home.

There are easements in house and lot properties for sale, so it’s crucial for potential property owners to determine if there is any on the property they are eyeing.

What are The Different Types Of Easements?

There are several types of easements, each with its own specific purposes. Here are some of the common easements made by private parties and when they are used.

Utility

Utility easements are created by state law that gives utility companies the right to access infrastructure on private land. Utility easements are also known as affirmative easements because the local utility company can only access your private property for a specific use. This type is mainly created for and by a utility company to maintain power lines for telephones and electricity.

Some property owners think that having a utility easement on their home is problematic, but it is actually beneficial for them. If you want your home to have cable, electricity, running water, or sewer systems, you need to have a utility company to manage these services.

Private

A private easement is a property right created, sold, or given by a property owner to another. An example of private easements is when your neighbor wants to access your luxury real estate to install solar panels, you have the right to refuse or sell your easement.

Private easements can be a problem for future owners. Once you’ve given your neighbor a private easement, it would affect the property rights of the owner in the future. That’s why it is crucial to check if there are private easements on the title before buying a house and lot for sale.

Public

A public easement grants residents the right to use a specific property in the area. An example would be right-of-way access to a public road. Property owners cannot obstruct the areas subject to public easements.

Another example of this is when you own property with access to a public beach, and the only way to access this is by crossing through your property. In this situation, a public easement is created so others have the legal right to cross over your property and go to the beach.

Affirmative

Affirmative easements provide additional permissions to the easement holder to the land, such as granting permission to fish or cross over your neighbor’s property.

Easement by Necessity

Easement by necessity arises only in situations when another individual must access another person’s land. This type is also called an access easement, and it is created for the government’s interest in making the land productive.

For instance, your neighbor is landlocked and they can only access the road by crossing your property. In this case, by necessity needs to be created between you and your neighbor, and your neighbor would have the right of way.

This agreement cannot be stopped because it will burden your neighbor, thereby negatively affecting your neighbor’s access to a public road.

Easement Appurtenant

An easement appurtenant is an easement that conveys with the property. It involves two properties – the dominant and servient estates. The dominant estate would gain access to another property or the servient estate. This must be recorded on the servient estate’s property deed, as well as on the property deeds of the dominant tenement or estate.

Prescriptive

An easement by prescription is a property right granted to someone who does not own the property. It is created because the non-hostile owner had been using the property in an open, hostile, and notorious manner for a period of time depending on the local laws of the private property. It is also known as an implied easement because it is gained under adverse possession.

Prescriptive easements may be similar to adverse possession. Both concepts are legal doctrines that give the non-owner access to another’s land through open, continuous, and notorious use. However, there lies a difference between these two.

Adverse possession is considered a negative easement, involving trespassing for a period of time. Under real property law, the period is between 10 to 20 years. On the other hand, prescriptive easements have a limited right and usually, it is by necessity.

To determine whether it is a prescriptive easement or an adverse possession, you need to look into the: (1) intent; and (2) actions of the non-owner. If the real property is used for non-possessory and specific purposes, then it is by prescription. But if the property is used to claim full ownership rights, then it is adverse possession.

How Do I Know if my Property has One?

If you plan to turn your property into a luxury home, you need to do in-depth research if your property has an easement. A title search is the best way to know if there is an existing easement affecting your home.

However, note that not all easements are recorded. Some instances include when the easement agreement is still being created or when it is not properly recorded. There are also properties that have implied easements, where easements are not written in a legal document.

Not all easements are problematic. But as a future homeowner, it is crucial to know the types of easements on the property ahead of time because most of them, since most of them do not have an expiration date. But it’s always best to consult a real estate lawyer in considering what real property to buy.

Worry Less with Brittany Corporation

Now that you have an idea about easements and their types, it’s time to find the best home for your luxury living experience. Let Brittany Corporation help you choose your next best luxury home. We have a variety of luxury house and lot in Metro Manila and its neighboring places, such as Forresta, Portofino Heights, and Crosswinds.

You may check our website, LinkedIn, and Youtube to know the latest news about Brittany and what Brittany living and lifestyle are like.

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This holiday season is all about finding the perfect gift for your loved ones. Whether you’re looking for the ideal present for your child, a special treat for your partner, or even buying a luxury condominium or purchasing one of the most beautiful houses in the Philippines, we’ve got some tips on how to prepare for Black Friday and Cyber Monday!

But with so many in-store and online sales, where do you start?

How To Prepare For The Best Deals Of The Year

The biggest online shopping day of the year is Black Friday, but there is also Cyber Monday, which can be confusing. So let’s break it down:

1. Black Friday is the day after Thanksgiving. When many retailers offer discounts on everything from toys to electronics to home goods, it’s traditionally considered the beginning of the shopping season in America.

Cyber Monday is the Monday following Black Friday (or sometimes earlier if stores start early). It’s a day for people to visit online retailers for deals only available in-store during Black Friday. They can often find even better deals than they would have gotten on Black Friday!

Set your budget early, and stick to it.

Your budget is the foundation of your Black Friday sales and Cyber Week, so make sure you set it early and stick to it.

By setting your budget early, you’ll be able to focus on the right items for your needs. You won’t waste time or money on things that don’t matter to you, so that leaves more room in your budget for the most important items.

And when it comes time to make a purchase? Stick to your plan! Don’t let those tempting sales distract you from what you came out here for—the best deals at the best prices!

Make lists. Lots of lists.

Make a list of all the things you want to buy, then make another list of all the stores where you might find them. Then make another list of what you’ll wear on Black Friday because if you don’t have that all figured out in advance, it will get crazy.

Get up early. Seriously. It’s worth taking advantage of deals because you were still sleeping when they were announced.

Have fun! This is supposed to be a fun time for everyone involved—shoppers and stores alike—so enjoy yourself!

Try different shopping platforms.

One of the best ways to prepare for Black Friday and Cyber Monday is to try a new shopping platform. This way, you can find an alternative if something goes wrong with a company website, app, or social media accounts. For example, if you sign up for an account on Amazon but don’t get the deals that other people are talking about, maybe it’s time to try another platform—like Lazada or Zalora.

It’s also important to remember that not all websites are created equal—and some of them may even be scams! Be sure to read reviews from other shoppers before making any purchases from unfamiliar sites.

Use Cash Back Sites & Apps

Cashback sites and apps are great for saving money on your holiday shopping. They use your purchases to get a percentage of cash back, which you can use for more online spending or save for a rainy day.

Here are some tips on how you can use the cash back sites and apps during Black Friday and Cyber Monday:

1. Look at the app’s website to see what kinds of stores they work with.
2. Make sure you get a good deal on each item before making a purchase. If you’re not, it won’t matter if you get cash back because the cost will be higher than it needs to be.
3. If there’s an item that’s not discounted much but still something you want, consider waiting until Black Friday or Cyber Monday for its price to drop before making a purchase (unless there’s some limited-time sale).
4. Always check prices and total online sales on the shopping apps before buying from another site to compare prices easily without going through multiple websites first!

Do the Comparison Shopping

We know you’re not just looking for a good deal—you want something that’s going to make your life easier, and we’d love to help. Here are some tips on how to compare prices:

First, find out what each company offers. This will help you understand what you’re getting into before you commit.

Second, ensure you know what kind of price range is reasonable for your budget. If it seems too high or too low, feel free to call around and ask other companies if they can match or beat it.

Third, look at the fine print! Is there anything that might change later? For example, if you’re buying carpeting from one company, but another offers free installation with their product, that may also be worth considering.

Use promo codes when you can.

Promo codes are a great way to save money on clothes, shoes, home goods, toys, and more. They’re especially helpful during Black Friday and Cyber Monday sales because they allow you to save even more money on holiday shopping.

Some websites have a special “promo code” section where they list all their current codes—look for the “promo code” or “coupon” tab when you’re shopping online. Or, if you’re shopping in-store, be sure to ask if any special promotions are going on that day.

Always read product reviews.

Product reviews are your friend. They’ll tell you all you need to know about a product before you buy it so that you don’t end up with something that doesn’t meet your expectations or needs. They’ll also let you know if there are issues with a particular model or brand so that you’ll be prepared to deal with it quickly and efficiently when something goes wrong (and believe us, it will).

Know Your Refund Policy

When it comes to returns and exchanges, most companies will ask you to bring your receipt back when you return. However, some have strict rules about what they will accept as proof of purchase (for instance, some retailers will only accept a physical copy of an email receipt). And others won’t take back opened or used merchandise at all!

The best way to avoid confusion is to check each store’s website with your returns in mind before heading there. Look up their FAQ page or contact them directly via phone or email so they can help answer any questions.

Don’t Forget The Shipping Costs

Keeping track of your spending is crucial to avoid overspending or getting stuck with unexpected shipping fees if you’re ordering online.

Here are some tips for avoiding shipping costs:

1. Check the retailer’s website before you buy! Many retailers will offer free shipping (or discounted shipping) if you spend a certain amount of money.
2. Take advantage of other discounts and promotions! Some companies will offer free or discounted shipping if you use their promo code during checkout. This is often the case with new customers and first-time orders.
3. If no discounts are available, look for stores that offer free returns or exchanges. If a company offers free returns and exchanges, it will only matter how much money it takes to ship your item back to them if you decide it is different from what you expected!

What Are Real Estate Companies Doing During Black Friday and Cyber Monday?

With Black Friday and Cyber Monday coming up, many people wonder what the real estate industry is doing to prepare. The good news is that it’s similar to any other year, plus you can even get a perfect deal from any condominium for sale!

But what does that mean for you?

Real estate companies are using Black Friday and Cyber Monday to reach out to potential clients with offers that might appeal to them. They can offer discounts on home tours or even free consultations with a realtor if you are considering buying luxury lots in Villar Land, Luxury lots in Daang Hari, or even a luxury house and lot in Metro Manila. Some realtors even offer gifts like gift cards or other promotional items!

If you’re interested in buying or selling a home, this is a great time to get involved with a realtor and see what kinds of deals you can get during this busy season!

Black Friday & Cyber Monday Jobs: How To Land A Job In Retail

If you’re looking for a job during the biggest online sales holiday, there’s no better time to start looking than now.

Stores are conducting a job interview before and during this busy season, so there is still time to fill out applications for major retailers. If you want to work in retail, here are some tips for getting a job at one of the big retailers:

1. Dress appropriately—you don’t have to wear formal business attire during a job interview, but make sure your clothes are clean and pressed. Wear a nice top and slacks or jeans for your interview outfit if possible; don’t show up in sweatpants or shorts unless the store’s dress code specifically requires them. Men should wear suits or dress shirts with ties; women should wear dresses or skirts (but not pants). If you are conducting a phone or video interview, ensure you have a professional background.
2. Be confident and friendly when discussing your experience, skills, and education level with a hiring manager relevant to the job description! They want someone who can represent their company well and work hard to keep customers happy while they shop.
3. Doing your interview preparation and interview research will help you be ready, as well as a mock interview rehearsal.

Black Friday and Cyber Monday are definitely worth the hype!

So there you have it! Your how-to prepare guide to Black Friday and Cyber Monday. You’ve got the tools and relevant skills, you’re aware of what’s happening, and you’re ready to make your online spending more meaningful. We can’t wait to see how much money you save this year!

Whether you’re shopping in-store or online, we wish you all the best of luck in finding the perfect deals.

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Life is sweeter with a box of chocolate. However, visiting the Chocolate Capital of the Philippines, Davao, is even sweeter. The region prides itself on various local produce, including a variety of premium chocolate made from their finest cacao beans. Read more to know where to get your taste of cacao de Davao delicacies.

Why Davao is the Chocolate Capital of the Philippines

In 2021, former President Rodrigo Duterte signed the law proclaiming the Davao Region as the Chocolate Capital of the Philippines. The Philippine Statistics Authority recorded that the region has contributed an average of 80 per cent of the cacao production in the country from 2015 to the present. In 2019, the Davao region produced around 5,960.23 metric tons (MT) or 70.21 per cent of the national production of cacao.

Davao cacao beans were selected among the top 50 samples of the Cocoa of Excellence Programme in 2017 to enter the International Cocoa Awards in Paris, France. Various chocolate makers from the United States, Japan, and Europe recognize the beans from the region as among the most sought-after cacao beans in the world.

Health Benefits of Chocolate

Chocolate is one of the guilty pleasures anyone has. When it comes to food, balance and a positive attitude towards eating are the most important. This includes eating in moderation and variety while letting yourself enjoy food.

You can start enjoying chocolates healthily by getting into dark chocolate. Dark chocolate has antioxidants such as flavonoids that help the body fight cell damage from free radicals and inflammation. Compared to other varieties of chocolates, dark chocolate has lower sugar and fat content than milk or white chocolate.

Aside from antioxidants, chocolate also contains important nutrients for the body. These include iron, copper, magnesium, zinc, and phosphorus. The following is a list of the overall health benefits of chocolate:

1) Lowers the risk of heart disease

Eating the right serving of dark chocolate can help lower the risk of heart disease through its antioxidants. It can help control blood pressure and improve blood circulation in the body, reducing the risk of stroke, coronary heart disease, and death from heart diseases.

2) Improves brain function

Research suggests that flavonols in chocolate improve blood flow to the brain. Better blood circulation in the brain can positively affect your memory, awareness, and reaction time to your surroundings.

3) Supports your immunity

The antioxidants in chocolate reduce the oxidative stress in the body from free radicals. This also reduces inflammation and improves the immune system’s response to many diseases.

4) Reduces risk of diabetes

Dark chocolate can help you prevent and combat diabetes by eating the right amount. According to research, the flavonoids in dark chocolate can improve insulin sensitivity of the body, which can reduce the risk of developing insulin resistance and later on reduce the risk of increased blood sugar.

5) Reduces stress

Researchers confirmed lower cortisol levels after eating chocolate among people eating dark chocolate. Those people who eat moderate controlled servings of chocolate reported that they felt less stress. As stress is a risk factor for heart disease, this can also positively impact heart health.

Price of Chocolate in Davao City

Suppose you are looking for premium chocolate for your palate. In that case, the “Chocolate Capital of the Philippines” Davao offers you a variety of chocolate bars, treats, and even gift boxes for your and your loved ones’ sweet tooth. Check this list below for your cacao de Davao prices and where to find them.

1) Malagos Chocolate

Davao is the home of Malagos Chocolate, a world-class internationally-known Filipino chocolatier. It has won numerous awards from the International Chocolate Awards and Academy of Chocolate Awards and has been declared an “Heirloom Cacao” by the Heirloom Ca­cao Preservation Fund.

Their well-known Dark Chocolate Bars are available in 65%, 72%, and 85% dark chocolate, with gift packs ranging from Php 750 to more than Php 1,000, containing 3-10 bars. They also have other chocolate delicacies, all available in their store in Davao and other parts of the country or on their website.

2) Auro Chocolates

Auro Chocolates is famous for its single-origin chocolate bars made with premium cacao de Davao. They offer a wide range of chocolate bars and other chocolate products to satisfy one’s sweet tooth. You can shop for their chocolates online or with their partner establishments.

They have the classic dark and milk chocolate bars in 50 and 100 grams ranging from Php 115 to 195. They also have special flavors like 55% Dark Chocolate With Arabica Coffee (Php 79) and 42% Milk Chocolate With Banana Chips (Php 79).

3) Theo and Philo

Theo and Philo are proud of their chocolates made from locally-sourced ingredients, especially cacao de Davao and sugar cane from Bacolod. Their must-try chocolate products include 75% Dark Chocolate (Php 115) and the famous 65% Dark Chocolate with Labuyo (Php 115).

You can find their cacao de Davao prices online for purchase. They also offer chocolate drinks, chocolate spread, chocolate for baking, and even the irresistible chocolate mango.

4) Rosario’s Delicacies

This Davao-based local chocolatier grows their own cacao de Davao s to produce their own chocolate products and tablea. They are popular for their high quality and budget-friendly cacao de Davao prices, such as their 75% Dark Chocolate Bar in 50 grams (Php 112) or 60% Dark Chocolate With Coffee in 50 grams (Php 112).

You can find their sweet yet affordable chocolate products online or in their store in Davao. You can also find them in various trade fairs they participate in regularly in Manila.

5) Theo & Brom

From the creators of the famous Belgian Chocolate tablea, Theo & Brom uses Davao cacao beans for their premium-made tsokolate you can drink and snack on. You can buy their tablea in rolls or boxes good for several cups of hot chocolate ranging from Php 849 to Php 2,100.

Their Belgian chocolate tablea products are available through their online store. You may also want to try their treats made from their Belgian tablea such as their bestseller Gooey Ganache Magic Tableya Cake (Php 749).

What is Davao Known For

As a tourist destination, Davao is known for being one of the safest cities in the country, where you can feel close to nature while being in the city. Whether it is a hike to Mount Apo, a beach day to the white sands of Samal Island, or a close encounter with the Philippine eagle and crocodiles, Davao is among the must-visit outdoor spots in the country.

While being there, make sure not to miss out on the products and delicacies they pride themselves on. Aside from being the “Chocolate Capital of the Philippines”, they are home to durian, seafood, and many more hearty delicacies that will surely fill up your luxurious adventure in the region.

Explore Davao and discover its rich melting pot of nature, culture, and luxury all in one place. In a thriving urban center with major business industries and big tourist destinations, a luxury condo in Davao is an ideal place to wake up to that will bring you nothing short of a premium experience. How does that luxury condominium in Davao sound to you?

Home Sweet Home with Brittany Corporation

Life is even sweeter with a luxury place you can come home to every day. Brittany Corporation offers quality home life as premium as cacao de Davao with their luxury real estate properties wherever you are in the country.

Explore more options on luxury real estate properties available for you with Brittany Corporation, which has built luxury homes, condominiums, and spaces in different parts of the country, such as Baguio, Tagaytay, Sta. Rosa, and Alabang. Check this link for properties available to provide you with the elegant and sustainable lifestyle you always wanted.

Brittany Corporation is all about bringing you closer to the world’s known destinations through luxury living homes and spaces. Got any more questions? Go through this link or contact them for an appointment soon. You may also reach out here for buyer concerns and inquiries.

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Development refers to the learning processes that your kid goes through as they mature and become adults. Learned skills are subsequently integrated to create more complicated tasks like talking, walking, and playing.

Most kids complete specific developmental milestones at roughly the same ages, which is referred to as ‘normal development,’ referred as healthy development as well. But keep in mind that every child has their own pace. Child development is the process through which a child grows and evolves over time in their age.

It encompasses the entire time span from conception to a human becoming a functional adult. Child development  is indeed  a journey from utter reliance to complete independence.

There are 5 key areas of development:

1.) Gross motor skills – which includes crawling, running and jumping.

2.) Fine motor skills – such as writing and drawing.

3.) Speech and language

4.) Cognitive and Intellectual – which encompasses counting or identifying shapes

5.) Social and emotional skills – including playing with other children.

A variety of elements influence the course and evolution of a child’s development. These include the child’s innate or biological constitution as well as external factors such as the family, health and society. It can be said that the growth and development of a child is directly related to the parenting style.

“Formal learning can teach you a great deal, but many of life’s essential skills are the ones that you build outside the walls of a classroom.”

In order to support the developmental milestones of our children, it is important to make our homes conducive for their development.

Here are some Child Development Amenities For Your Luxury Home:

Child Development Amenities #1: Have a Library in your home

Children are inherently inquisitive and inquiring. Unlike adults, youngsters are not content with simply learning from a book.

It is in their nature to investigate, experiment with, comprehend, and discover new concepts and ideas.

In preschool, there are libraries to assist the children in learning. Through reading, the cognitive and intellectual areas of the children are developing.

It is highly encouraged to have books with lots of pictures as starters for the children. In this way, they will have visuals when reading, which is enjoyable for most kids. Make sure to reserve a space in your home for the library.

Furthermore, not only the kids will enjoy the library, even the adults. You may allocate a space in the library for your own books. In this way, everyone in the family can enjoy the library, even the visitors!

Did you know that there are people who are fond of books to the extent that the space being occupied by the library in their house is very huge?

Such examples of large libraries can be seen in Disney, including the library from Beauty and the Beast! Perhaps why damsel in distress Belle, who is fond of reading, always visit that room!

Child Development Amenities #2: Have a Play Area for the young ones.

Child needs a secure and safe setting in which they may be themselves while being protected from different dangers, such as violence, abuse, exploitation, and aggression.

Unfortunately, we cannot confidently say that the public spaces that we have today are safe for the young ones to play alone.

Among the most serious drawbacks of city life is that it fails to provide our children with wings to soar. Most parents do not let their children to accomplish things on their own because of fear. Parents are terrified to leave their kids alone, whether they are going to the grocery store or play in the parks. And, with the rate of violence against children on the rise, it is only reasonable for the parents to want to safeguard their children.

Instead of worrying about the safety of the children brought by the dangers of the outside world, why not have an indoor play area?

The playroom of the kids turn your home into a haven for them, a place where they may feel at ease and pleased when their friends and family come over to play.

Moreover, you do not have to monitor them 24/7 as they play because you know that they are safe for they are in the comfort of your home. The safety of your kids is no longer a concern.

It is said that playing improves the cognitive, physical, social, and emotional health of kids and adolescents. Indeed, having a play area is good for child development.

Kids can learn more about their surroundings and the world themselves by playing.

The children also develop attributes such as confidence and communication skills, which are necessary for relationships, careers, and education.

Child Development Amenities #3: Spend time with your kids in your Home Theater.

A good and fun way to bond with the whole family is through watching films together.

Nowadays, people have allocated space for their private home theaters in their homes. In this way, they can bond with their families without leaving the comfort of their homes. One great benefit of a home theater is its convenience.

Many people said that you get the value of your money back because you are able to save from the expense of going to the mall and buying the movie tickets.

Spending time with their family, especially with their parents is good for child development.

Child Development Amenities #4: Make sure that you have a Green Area in your home.

There are numerous advantages to spending your childhood in green spaces, such as gardens.

According to previous research, persons who spent the vast majority of their youth in green areas had fewer mental disorders, such as depression, later in life. Green spaces are abundant in child-friendly buildings, allowing youngsters to breathe pure, pollution-free air.

Being close to mother nature also makes kids feel peaceful and relaxed.

Furthermore,  when youngsters are relaxed and happy, they are more likely to excel at school, both academically and in extracurricular activities.

Also, would it not be fun to grow your own vegetables in your own gardens? It would be really nice if you could grow pretty flowers in your own garden with your children. There are houses that have gardens in the entry of their houses. Owners say that the gardens serve as a “welcome greeting” to the visitors.

Also, did you notice that most schools and universities have an abundance of trees? The site is filled with greens. In this way, the students have access to fresh air to make them feel relaxed.

Build Child Development Amenities With Brittany Corporation

Brittany Corporation is known for producing luxurious homes conducive for all the amenities for the healthy development of your child.

Brittany Corporation has been the first to develop and implement visionary luxury home estates that offer upscale residences that are sophisticated.  Brittany’s luxury enclaves, which are inspired by the globe’s most stunning spots, bring these lovely places nearer to the residences of the fortunate elite.

Villar Land includes high-end luxurious  residences like Forresta. Just from the name, one could say that there is an abundance of green spaces here!

If you are fond of gardens, you might want to consider Forresta as your home.

Forresta is more than simply an innovative and ambitious project; it entails creativity, vision, and building a community of intergenerational housing and green areas within Villar Land’s city limits.

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