Vista Land, Pioneering the Future of Real Estate in Mega Manila.

Mega Manila continues its rapid expansion with the emergence of new metropolitan centers, offering promising real estate opportunities for both local buyers and international investors. Cities such as San Jose del Monte in Bulacan, Caloocan in Metro Manila, and Antipolo, Rizal are at the forefront of this transformation, driven by infrastructure projects, appreciating property values, and visionary master planned developments. Leading the charge in shaping this emerging urban landscape is Vista Land, the Philippines’ leading integrated property developer, whose portfolio is redefining modern lifescapes and poised to become premier destinations.

Mega Manila, a hotbed for real estate investment

Mega Manila, a region that extends beyond the core of the National Capital Region, has become a focal point for real estate development. This headway is primarily fueled by ongoing improvements in regional transportation, including the construction of MRT Line 7, the extension of LRT Line 1, and the completion of new highways and bypass roads. These advancements have facilitated easier access to and from Metro Manila and surrounding areas and transformed peripheral cities into megacity hotspots, positioning them as attractive hubs for residential and commercial growth across Luzon.

For buyers and investors in San Jose del Monte, Caloocan, and Antipolo, these real estate options present compelling opportunities as they provide accessible points into the real estate market coupled with the potential for capital appreciation over time.

San Jose del Monte, Bulacan: Gateway to the North

Aspen in San Jose del Monte, Bulacan, is a 38-hectare mountain-town inspired community
that brings the elegance of alpine living in the city.

Situated just north of Quezon City, San Jose del Monte is a vital point in the Metro Rail Transit (MRT) Line 7, which links the city to North Avenue and North Luzon East Expressway (NLEE), connecting Commonwealth Avenue to Norzagaray. Additionally, the North-South Commuter Railway (NSCR) and the Southeast Metro Manila Expressway (C-6) will further enhance connectivity by linking Bulacan, Rizal, Manila, and Cavite, reducing traffic congestion in Metro Manila and offering more efficient routes.

One of the notable master planned developments in the city is Aspen, a 38-hectare mountain-town-inspired community that brings the elegance of alpine living to Bulacan. It features Colorado-themed architecture, and a host of lifestyle facilities, making it an ideal choice for professionals and growing families.

Aspen will have its own village brimming with energizing endeavors to choose from.
Aspen is a five-hectare haven of retail, reverie, and relaxation - whether it be
for culinary delights, athletic hobbies, or restorative pursuits.

Within the estate is Aspen Residences, a multi-tower complex that features a clubhouse, swimming pool, a play area, outdoor spaces for yoga and gym, as well as walking and jogging paths, encouraging residents to stay active and healthy.

Caloocan: Emerging Urban Center in Northern Metro Manila

Caloocan is stepping up from a capital outpost to becoming one of the most favorable locations for real estate investment in Metro Manila, driven by its connectivity to the rest of the metro. As a result, the city is becoming desirable for enterprises and residents seeking modern conveniences with premium real estate options.

The Suites in North Commons is a series of mid-rise residential towers,
offering amenities catering to young professionals and families.

Strategically situated in the growing northern corridor of Metro Manila, North Commons is designed as a master planned development featuring condominium properties, retail establishments, co-working spaces, and resort-style amenities. It also features CoLab, a state-of-the-art workspace that fosters productivity and collaboration.

The Suites in North Commons, a series of mid-rise residential towers, offers amenities catering to young professionals and families. One of its key highlights is Skyscapes, a rooftop space with 360-degree city views, giving residents a place to unwind and socialize.

One of The Suites key highlights is Skyscapes, a rooftop space
with 360-degree city views, giving residents a place to unwind and socialize.

Antipolo, Rizal: A Lifestyle and Cultural Hub in the East

Antipolo, the capital of Rizal, has evolved from a quaint hillside community into one of the fastest-growing cities in the Philippines. Major thoroughfares and upcoming infrastructure developments like the Light Rail Transit (LRT) Line 2 extension aim to enhance connectivity, positioning Antipolo as a key gateway between Metro Manila and the provinces.

The Italian-inspired 152-hectare Vidarte features thoughtfully-designed,
low density floor layouts that intersperses art pieces between studio and two-bedroom units,
creating an environment that constantly inspires.

Vista Land is crafting a master planned development intricately weaving art with everyday life. A portmanteau of the Spanish vida, which means life, and Italian arte, which means arts, the 152-hectare Vidarte combines Italian-inspired architecture with the artistic flair of the locale. Vidarte Residences is the ideal home for those seeking a life that sparks creativity and nurtures artistry. With its thoughtfully designed, low-density floor layouts, the development intersperses art pieces between studio and two-bedroom units, creating an environment that constantly inspires.

A Look at the Future of Master Planned Developments in Mega Manila

Vista Land’s shift towards large-scale master planned developments reflects its commitment to unique, premium, and sustainable lifescapes that align with the diverse needs of modern-day Filipinos, all while promoting limitless growth opportunities.

For more information on Vista Land master planned developments in Mega Manila, visit www.vistaland.com.ph and follow @VistaEstatesOfficial for news and offerings.

Start building a secured future with a ‘wearable investment’.

For more than centuries, precious stones such as diamonds and jewelry have always been associated with ranks and riches due to its rarity, scarcity, and beauty. However, for others, these precious items meant more than just statement pieces or accessories of clothing. To some, gold jewelry can be a form of “wearable investment” that never loses its value but instead, an asset that grows more value over time which can secure even your financial future.

Start investing now with affordable and authentic jewelry pieces with Cebuana Lhuillier, Just Jewels, and Cebuana Lhuillier Jewelry Premium as it stages its much-awaited annual Black Friday Gold Rush Sale from November 11 to 17. Avail 10% off on all items and up to 50% off on selected items in Cebuana Lhuillier’s more than 3,000 branches nationwide. You may also visit Cebuana Lhuillier Jewelry Premium and Just Jewels branches and get up to 10% discount on selected jewelry items.

Shop online and avail up to 10% discount by simply visiting Cebuana Lhuillier Jewelry and Cebuana Lhuillier Jewelry Premium website at www.cebuanalhuillierjewelry.com and www.cebuanalhuillierjewelrypremium.com. You can also check-out items from Cebuana Lhuillier Jewelry Premium via Shopee, Lazada, and Zalora with 10% discount.

“Jewelry are among the best investments anybody could have. It's a smart purchase since it’s a physical and tangible asset that is readily available, especially during emergencies. Apart from that, gold jewelry can also withstand inflation and a superior performer in times of economic instability,” Cebuana Lhuillier president and CEO Jean Henri Lhuillier said.

“We want to encourage everyone to take this opportunity to start investing now and buying gold is one of the many ways they can build a better future. Here in Cebuana Lhuillier, we want our kababayans to have access to affordable and authentic pieces of jewelry. They’re more than just a woman’s best friend, they’re everyone’s best investment,” Lhuillier added.

Take advantage of the nationwide sale and spend your holiday bonuses wisely by securing your future while collecting choice pieces.

To know more about the latest offers and get the best deals for the Black Friday Sale, go to Cebuana Lhuillier, Just Jewels, or Cebuana Lhuillier Jewelry Premium Facebook pages.

It’s raining affordable jewelry with Cebuana Lhuillier’s “Rainy Day Gold Rush Sale”!

Buying and collecting gold jewelry go beyond aesthetics nowadays. With the value of gold continuously on an upswing and even expected to outweighs inflation risks (source), now is the best time to buy jewelry. It’s an investment that you can use for your personal enjoyment, as well as a dependable source of cash in times of emergency.

Cebuana Lhuillier is giving its loyal clients and general public another taste of its widely-anticipated jewelry sales with the announcement of its “Rainy Day Gold Rush Sale,” set to take place from July 13 to 19.

The country’s most trusted micro financial services company is offering discounts of 10% off plus up to 50% off for selected jewelry available in more than 3,000 branches nationwide. Meanwhile, clients can enjoy discounts up to 25% off when they purchase in any of Cebuana Lhuillier Jewelry Premium (CLJP) and Just Jewel branches nationwide.

Jean Henri Lhuillier, Cebuana Lhuillier president & CEO, has always encouraged the public to take advantage of gold sales in order to build a sizable investment that can serve as back-up during times of emergency. “Unlike high-end gadgets, gold jewelry will never lose its value over time. Instead, it will serve as a good source of emergency fund during times of need. Buying jewelry will always serve as a wise purchase,” he adds.

Contrary to the usual, pawnshops are also good source of jewelry. Buyers are assured on the quality and authenticity of the items purchased, especially since all the items offered have been thoroughly appraised.

Discounts can also be enjoyed in any of CLJP’s online presence: through the official website of Cebuanalhuillierjewelry.com and any e-commerce platforms such as Shopee, Lazada, and Zalora, where all items available at a 10% discount.

For more information, go to www.cebuanalhuillier.com or visit https://www.facebook.com/cebuanalhuillierpawnshop.

Let Love Sparkle with Cebuana Lhuillier Jewelry’s Special Valentine Sale!

Valentine’s Day is considered to be one of the most romantic days of the year. It is an extra special time to express your love and affection to your special someone! 

For many of us, giving gifts during the Valentine’s season is one of many ways to show how special someone is in our lives. The season of hearts can be nerve-racking for someone who really spends time thinking about a perfect gift for the perfect someone. Others might want to give a more unique present or would opt to do away with the usual heart-shaped chocolates and flowers.

If you are looking for ways on how to express your feelings for someone dear or you want to gift it for yourself as a way of loving and spoiling yourself, choose jewelry. It is something one can use and wear everyday and treasure for many years. They are considered to be powerful allies to win hearts, celebrate important events, or reward achievements.

“Jewelry is one of the most unique and special presents one can buy, regardless of age and sex. You can gift it to your special someone, to your friend or even to your parents. It’s that kind of a gift that captures the essence of making someone feel important, precious, and valued.”, CEO and President Jean Henri Lhuillier said.

Aside from these jewelry pieces being the perfect gifts for the season of love, this can also be a good investment throughout the years. Compared with the other presents you can give this February 14, jewelry can be meaningful and also practical.

This Valentine’s Day up to February 19, Cebuana Lhuillier, Cebuana Lhuillier Premium, and Just Jewels are holding a six-day Valentine’s Gold Rush Sale nationwide. Shop in over 2,500 Cebuana Lhuillier branches nationwide and avail discounts on all items. You can also shop online through Cebuana Lhuillier, Just Jewels, or Cebuana Lhuillier Jewelry Premium Facebook pages.

Get 10% off on all on all items and up to 50% off on selected jewelry items nationwide. Visit Cebuana Lhuillier, Just Jewels, or Cebuana Lhuillier Jewelry Premium branches nationwide or shop online via Cebuana FB Live Selling or cebuanalhuillierjewelry.com.

To know more about Cebuana Lhuillier’s Valentine’s Day Gold Rush Sale, go to the nearest Cebuana Lhuillier near you or just log on to Cebuana Lhuillier’s official Facebook page at www.facebook.com/cebuanalhuillierpawnshop or cebuanalhuillierjewelry.com.

Pru Life UK teaches money lessons during pandemic.

During this emotionally and financially exhausting time, financially preparing for anything that may happen is of utmost importance. As we continue to live through the pandemic, everyone should learn the value of saving and investing to cover future uncertainties.

While it is better for Filipinos to have certain layers of protection not only for themselves but for their families as well, having the knowledge about what they are availing or investing is equally important.

Products that offer protection and investment rolled into one are a great start among Filipinos wanting to have security amid these challenging times. Among the many reasons why these products are sought after even by the ordinary Juans is the security and growth it provides financially.

Photo credit: Pixabay.

For people who want to invest but are concerned about having to deal with certain critical illnesses, products such as the PRUHealth Prime is perfect for them. It eases the financial burden of battling cancer with a 50% cash out upon diagnosis of pre-defined early stage cancer while giving its subscribers the ability to build a bigger health fund with its investment component.

The PRULink Elite Protector is also among the products that offer maximum life protection with payment terms that are flexible to suit your needs while letting wealth grow faster with a greater portion of premiums invested in chosen funds. On the other hand, the PRULink Assurance Account Plus is a great fit for people who want a bigger and more comprehensive protection package at a lesser cost, while allowing continuous payment with a portion of your premium investable in your chosen fund.

Filipinos who want life protection coverage and start investing at any time and can afford to pay once may want to avail the PRULink Investor Account Plus and PRUMillionaire.

Apart from having life protection and investment for ourselves and our loved ones, below are also some money lessons that we can learn during the pandemic:

Photo credit: Karolina Grabowska.

Track Your Expenses and Save

Budgeting is important. Start looking at your income and expenses. There are mobile apps that track spending and manage accounts, making this step much easier. While most people are staying at home because of lockdown and other restrictions, it is the best time to find small ways to save, such as canceling unnecessary subscriptions, refraining from buying fancy or unnecessary things, and making bigger shifts, such as moving in with family members to save money on rent and shared utilities.

Take Advantage of all the Financial Relief Programs

If you’re able to receive financial aid from the government or other institutions during the pandemic, it’s smart to take that opportunity. Use that money to spend on the most important things you need daily, like food. You can also set a portion of it for your electricity and housing rental because there are businesses who are giving their consumers payment extensions.

Photo credit: Anna Nekrashevich.

The Best Time to Invest is Now

Many surveys and studies show that the earlier you invest, the better. A little amount of money invested now will put more money in your pocket in the future. If you can stay disciplined, you will reach your goals. You can maximize this in the long run just by starting now and staying on track. If you need assistance, consider hiring a financial advisor and do research on which company you may invest in.

The pandemic has been a wake-up call for many people to be concerned not just about their financial security but also their health protection. Getting life protection and investment in one, can be one of the smartest things that a person can do during this time. Having health, life protection, and money growth means you can prepare for most of the hospital expenses and for anything that may happen in the future such as illness, retirement, or even death, while still growing your wealth as you achieve your life goals.

To learn more about Pru Life UK’s Insuravest products visit www.prulifeuk.com.ph.

Surviving the Pandemic with Cebuana Lhuillier Micro Savings.

The uncertainties that came with the global health pandemic led to financial stress that altered the lifestyle of many Filipinos. For close to two years since the global COVID-19 pandemic started, many lost their jobs and had to make do with what little savings they have stashed away.

A study titled, “State of Banking and Financial Wellness” commissioned by US-based research firm Forrester, indicated that more than half of Filipinos identified building their savings as one of their top concerns when it comes to personal finance.

The desire to have money safely stashed when rainy days come, is one that is shared by every Filipino—regardless of stature in life or the money they earn. When COVID-19 hit, majority of Filipinos were left without a stable means of livelihood as the strict lockdown badly affected the economy, leading to a significant number of business closures and an uncertain future for those engaged in the gig economy.

Photo credit: Olya Kobruseva on Pexels.

Stemming from its desire to push for financial inclusion for every Filipino, Cebuana Lhuillier Bank partnered with Cebuana Lhuillier, one of the country’s leading micro financial service providers, to introduce Cebuana Lhuillier Micro Savings in 2019. Cebuana Lhuillier Micro Savings provided Filipinos with an accessible and convenient means to save their hard-earned money by addressing the common barriers in saving, including lack of accessibility, the need for numerous documentary requirements, and the high cost of a starting and maintaining a balance.

“Our main priority is to be a one-stop shop for the micro financial needs of our kababayans. With our commitment of financial inclusion and mobility for everyone, Cebuana Lhuillier Micro Savings account is one of the great products we have created to empower many of our kababayans to save, regardless of their status in life,” Cebuana Lhuillier President and CEO Jean Henri Lhuillier said.

The promise of having money saved in times of need was what inspired Cebuana Lhuillier Micro Savings account holders Pillilia Pardo and Maria Luisa Luna to open a savings account and work hard to build a comfortable fund that they can rely on when needed.

Pillilia, a 79-year-old sari-sari store owner in Las Pinas, makes sure to deposit a fraction of her daily earnings into her micro savings account. With her store located right beside the Cebuana Lhuillier Casimiro branch, she has become a daily fixture for the branch personnel who assists her on her everyday transactions.

Pililia Pardo, a 79-year old sari-sari store owner from Las Pinas
and a loyal micro savings account holder, dreams of imparting
the value of savings to her children.

“Napakahalaga ng savings, kasi pag dumating ang pagkakataon na ikaw ay magigipit, kailangan mo ng pera. Kung mayroon kang ipon, anytime puwede ka makapag-withdraw,” shares the septuagenarian. When the pandemic hit, Pillilia used her micro savings account to augment her day-to-day expenses, which included medicines, food, utilities, and rent. When the lockdowns affected her store’s earnings, she was comforted by the fact that she did not have to resort to borrowing money in order to get by. “Hindi ka magsisisi kung nakapag-ipon ka…anytime nangailangan, nandiyan ang ipon ko. Mayroon akong magagamit,” she adds.

For Maria Luisa, it was her savings that literally saved her family in the midst of the strict Manila lockdowns. She earns her keep by collecting recyclables which she then sells in a junkyard. For over two years, even before the lockdown began, she would make sure that a portion of her earnings goes to her Cebuana Lhuillier micro savings account, which she intends to use during emergencies.

Maria Luisa Luna, a 64-year old garbage collector from Manila,
relied on her micro savings account when the pandemic badly hit her family.

“Hindi na kami makapangalakal nung naghigpit sa lockdown. Yung kinakain namin, halos galing na lang sa ayuda ng gobyerno pero hindi naman sapat yun. Nagkasakit pa ang anak ko. Hindi ko naman matiis na hindi maipagamot. Doon ko na naisip na gamitin yung ipon ko sa Cebuana Lhuillier Micro Savings. Tuwing may kailangan sa bahay, gaya nang pangkain at pang-renta, withdraw ako. Tapos pagpapagamot sa anak, withdraw ulit,” Maria Luisa shares. She admits that the protracted quarantine period had drained her savings, but now that everything is slowly going back to normal, she has also resumed building her emergency nest egg, visiting the Cebuana Lhuillier branch nearest her after a day of collecting recyclables and items to sell.

Since its launch, Cebuana Lhuillier Micro Savings has enabled more than 5.5M account holders to have a semblance of peace of mind in times of great need and emergencies. As a cash agent, Cebuana Lhuillier provided account holders with a reliable and highly accessible venue to deposit and withdraw their money in any of its 2,500 branches nationwide, anytime and anywhere.

In 2020, Cebuana Lhuillier Micro Savings was made even more accessible and convenient with the introduction of its new digital features.

“We’ve always believed that Cebuana Lhuillier Micro Savings should be able to evolve according to the changing needs of its users. By going digital, Cebuana Lhuillier Micro Savings is providing greater IPON POWER to its account holders, by providing them convenience and mobility in maximizing the use of their savings through digital channels,” Cebuana Lhuillier bank President, Dennis Valdes added.

May IPON POWER ka na with Cebuana Lhuillier Micro Savings!

Cebuana Lhuillier Micro Savings boasts of greater IPON POWER through the following features: withdraw cash in over 21,000+ BancNet ATMs nationwide anytime and anywhere; purchase online thru UnionPay merchants worldwide; 24/7 unlimited banking access with eCebuana app; and do cashless payments in over 350,000 UnionPay and BancNet accredited stores nationwide.

With more and more Filipinos slowly realizing the value of saving, Cebuana Lhuillier Micro Savings is gearing towards further improving its features to better provide its account holders with a dependable ally they can continuously rely on.

Lumina Cabanatuan | Property Investment Made Easy for Every Juan.

I've always associated Cabanatuan with longganisa, mostly because of veteran actress Gina Pareno. In the 2006 hit movie "Kasal, Kasali, Kasalo" which starred Judy Ann Santos and Ryan Agoncillo, Gina Pareno took the role of Nanay Belita, Judy Ann's mother, who is a "politicians" (a barangay councilor, to be exact) and a "businesswoman" (she makes and sells homemade butotay, aka Cabanatuan longganisa). This is one of the few Filipino movies that I truly enjoyed watching, and the terms "politicians", "Bronson", and "butotay" have been etched in my memory ever since.

Photo credit: Ang Sarap.

Cabanatuan is located in the province of Nueva Ecija, and is known as the "Gateway to the North" because it is strategically placed along the Cagayan Valley Road that connects Central Luzon to Cagayan Valley and the Ilocos Region. The city has also earned the moniker of "Tricycle Capital of the Philippines" because of the presence of more than 30,000 motorized tricycles, aka the taxi of the masses. 

A first class and highly urbanized city, Cabanatuan takes pride in being the economic heart of Nueva Ecija. It is home to a number of banks and financial institutions, including a branch of the Bangko Sentral ng Pilipinas. Investors from different industries - motor vehicles, retail, food (this probably includes butotay!) energy, IT and business services, to name a few - have been flocking to Cabanatuan even before the pandemic started, making it one of the most competitive cities in the Philippines in terms of doing business. As such, real estate has also been booming in Cabanatuan, with Lumina as one of the key players in the industry. 

If living in the metro no longer seems appealing to you, and countryside living seems like an alluring, more lucrative, perhaps an even more practical option for you and your family, you might want to consider investing in a property in Cabanatuan City. Lumina Cabanatuan is your best bet when it comes to property investment in Cabanatuan City, and there are several reasons why. Here are some of them:

Convenient

Strategically located in the heart of Cabanatuan City, Lumina Cabanatuan is a mere 6-minute drive from the city proper.  This 15 hectare subdivision is also easily accessible to major establishments such as schools, hospitals, banks, malls, public markets, supermarkets, and transport terminals. Some of these are Waltermart and SM City Cabanatuan, Sangitan Public Market, Cabanatuan High School, and Weslayan University and Weslayan University Hospital. 

Cabanatuan Freedom Park.
Photo credit: Marc7travels

Tourist attractions are also in close proximity to Lumina Cabanatuan. Popular travel and leisure destinations in the city include Gabaldon Falls, Minalungao National Park, Camp Pangatian War Memorial Shrine, Cabanatuan Freedom Park, and Khaliblu Palace - a quirky Persian and Egyptian-inspired hotel.

Economical

Lumina takes pride being the most affordable housing developers in the Philippines today. With over 51 developments in key locations across the country, Lumina has made the dream of owning his/her own home a reality for every Juan.

Lumina homes are built of high-quality materials and cost from Php 500,000 to Php 1,700,000. If qualified by Pag-IBIG Fund as a “low-income earner,” a buyer can pay for as little as Php 1,898 a month at 3% interest for a brand new home in a safe and secure Lumina community.

Take a look at what could be your new home in Lumina Cabanatuan.

Lumina Aimee Rowhouse

Inside the Aimee unit.

The Aimee Rowhouse is a good unit to start with if you're living solo or perhaps a newlywed couple. This 26 meter home has one bedroom and one bath, and sits on a regular 36 meter lot. 

Lumina Angelique Townhouse.

Inside the Angelique unit.

For a family of three or four, the Angelique Townhouse fits the bill. This 35 square meter home sits on a regular 36 meter lot, and has two bedrooms, one bath, and a carport provision.

Armina Single Firewall.

Inside the Armina unit.

Bigger families will find the Armina Single Firewall spacious and more to their liking, as this 42 square meter home has three bedrooms, one toilet and bath, a carport provision, and a service area as well.

Subsistent

Aside from the property itself, you also get to enjoy several amenities in the Lumina Cabanatuan community. Lumina developments are part of masterplanned communities that come complete with amenities like a community hall, basketball court, mini gardens and playground, and commercial areas.

Playground.

Basketball court.

Security.

Lumina believes that by building in accessible locations close to major thoroughfares, transport hubs, schools, hospitals, and business and leisure centers, it not just builds a self-sustaining community, it also provides every Juan the pride of homeownership.

Is Lumina Cabanatuan the one for you and your family? Get in touch with Lumina through their official website or their social media pages.

Facebook: https://www.facebook.com/luminahomesofficial

Twitter: https://twitter.com/lumina_official

Instagram: https://www.instagram.com/luminahomesofficial/

Lumina celebrates its 9th Anniversary with '9 Years, 9 Wins' Raffle Promo and more month-long activities!

Remember my earlier blog post about the perks of living in the countryside and why Lumina Bauan is a great community to live in should you decide to move out of the urban jungle? As it turns out, now is an even better time to be a part of the Lumina community because Lumina - one of the top-listed housing developers in the Philippines - is celebrating its ninth anniversary this August. Yes, they've been around for almost a decade already! And despite the pandemic, Lumina keeps their anniversary celebration fun and meaningful with a bunch of exciting activities for every Juan.

Here are the special promos to look out for during Lumina's month-long anniversary celebration:

9 Years, 9 Wins!

9 Years, 9 Wins

To mark their ninth year in the industry, Lumina presents the "9Years, 9 Wins" raffle promo for all Lumina homebuyers and sellers. All reservations made between August 7 to August 29 are equivalent to one raffle entry. Get a chance to win one of these siyam-thing when you reserve a house and lot in Lumina Homes during the raffle period:

• One winner of 43" Smart TV 
• One winner of Tablet 
• One winner of Smartphone 
• One winner of Air Fryer 
• One winner of Air Purifier 
• Four winners of Necklace Air Purifier

There will also be consolation prizes to be given away such as Php500 worth of grocery items and Php500 worth of AllEasy load. There will be 25 winners for each consolation prize.

Bida Lumina sellers get entries for the raffle promo, too! And they have the chance to double or even triple their entries depending on the units sold.

• One bungalow unit equals one raffle entry, but if the unit sold is ready for occupancy (RFO), it will be equivalent to two raffle entries. 
• One townhouse unit equals two raffle entries and will have two additional raffle entries if the unit sold is ready for occupancy. 
• One single firewall is equivalent to two Raffle Entries and will have three additional entries if the property sold is ready for occupancy.

Good Jab, Kabarangay!

Good Jab, Kabarangay!

Aside from the raffle promo, Lumina gives an extra treat to home seekers who have been vaccinated for COVID 19. From now until August 15, simply present your COVID vaccination card to enjoy as much as Php1000 off on reservation fees.

• Php500 off for any rowhouse or bungalow home models 
• Php800 off for any townhouse home models 
• Php1,000 off for any single firewall home models

The amount discounted to the homebuyer's reservation fee will also have a matching donation to a chosen foundation. Where else can you get a discount and have the chance to help those in need? 

Pambansang Araw ng Bahay ni Juan.

Unst9ppable Anniversary Celebrations

Aside from these exciting promos, Lumina will also conduct a series of activities in celebration of their ninth anniversary.

OFW Sessions: Property Investment Seminar

A virtual webinar held last August 8 via Zoom where OFWs learned about investing and bank housing loans from real estate professionals

Luntiang Lumina 

An urban gardening initiative in all Lumina communities, encouraging Lumina residents to grow herbs, vegetables, and fruit-bearing plants in their mini gardens and open spaces. 

Lumina TikTok Dance Challenge

With the launching of Lumina's official TikTok account, a dance challenge will also be held and three winners will be awarded with cash prizes

Lumina Mid-year Awards

Lumina's virtual awarding ceremony/concert for sales agents and brokers who have performed well in sales amidst the constraints of the pandemic

"Espacio" Launch

The Spanish word for "space", Espacio is Lumina Homes' very own amenity center. It is a well-thought-out expansion and improvement in Lumina's standard amenities such as a covered multi-purpose hall with stage, mini gardens with play area, jogging path, and shuttle terminal. It also comes with additional new spaces for livelihood, entertainment, and recreation such as the community center, parking spaces, and Tambayan ni Juan - an al fresco food hub (think night market) allowing homeowners to set up food kiosks and stalls for other merchandise.

Prima in your area!

Making Milestones

In August 2012, Lumina opened its very first project, "Lumina Batangas", in Sto. Tomas, Batangas. Since then, Lumina expanded to 5 more projects in Batangas, and over 50 more nationwide, catering to more than 100,000 clients in just 9 years. 

Lumina is now available in key cities and municipalities in Rizal, Bulacan, Pampanga, Bataan, Zambales, Nueva Ecija, Tarlac, La Union, Pangasinan, Cagayan, Isabela, Cavite, Batangas, Laguna, Quezon, Camarines Norte, Albay, Sorsogon, Iloilo, Capiz, Aklan, Negros Occidental, Agusan del Norte, Zamboanga del Sur, Bukidnon, Misamis Occidental, Davao del Norte, Davao del Sur, and South Cotabato.

This year, Lumina launched its first-ever condominium project - Prima Tanza, a 3-hectare exclusive vertical development that features 10 walk-up condominium buildings, over a hundred parking spaces, and well-thought-out facilities and amenities. Soon, more Prima condominiums will rise in locations across the country, including Subic, Cebu, Iloilo, Davao, Butuan, and Cabanatuan.

Lumina e-Services.

Digital Innovations

Despite the challenges brought about by the pandemic, Lumina stays strong and remains at the forefront of innovation in real estate selling practices. This year, Lumina launched the Lumina e-Services app which aims to provide all the links that each client and partner sales network will need in home buying and home selling.

With the Lumina e-Services app, home seekers can easily make reservations online, fill out and submit forms and requirements necessary for purchasing your new house, and settle payments online. The app also has a Sellers' Portal for real estate brokers and agents, and a Vendors' Portal for suppliers.

In addition, Lumina also now has a Viber store and community where you can make inquiries and reservations, and get exclusive discounts and latest updates on Lumina products and services. The official Lumina website, meanwhile, has added Juan Support, a virtual admin assistant on standby 24/7 for your housing inquiries. Its official Facebook page has also added the Shopping Cart function which allows you to message real-time sellers, and even complete the reservation purchase through Facebook Messenger instead of navigating to another site.

With these milestones and digital solutions, Lumina proves to be a force to be reckoned with in the real estate industry. Despite the country's highs and lows, Lumina will be Unst9ppable in helping every Juan in achieving his dream of owning a home.

Lumina Bauan | A Home for Every Juan.

When you hear "Batangas", what's the first thing that pops in your mind? 

Kapeng barako or butterfly knives (balisong), perhaps? Or maybe blue skies and gorgeous beaches? Some good ol' Filipino comfort food like goto and lomi, perchance?

These days, the prominence of Batangas goes beyond good food, exotic coffee, and seaside sceneries. Batangas is now considered as one of the prime investment options in the country, with its economy growing steadily and rapidly over the years. Industries like business, tourism, agriculture, and fisheries have emerged and thrived in Batangas in the recent years, making the province an ideal place to invest in. And for some, this province has become an ideal place to live in and start a family, with its clean environment, safe surroundings, and flourishing business opportunities. 

The municipality of Bauan, for instance, is perfect for countryside living. Located approximately 115 kilometers south of Manila (about 90 minutes away), this coastal municipality is a booming agro-industrial hub with major establishments necessary for daily living. It also has peaceful, charming, and well-planned communities such as Lumina Bauan which can make you think twice about living in the metro and convince you to live in the countryside instead. Lumina Bauan has so much to offer that I wouldn't be surprised if you want leave the urban jungle in a heart beat! Here are some of them:

Welcome to Lumina Bauan!

Accessibility

Lumina Bauan is a 16 hectares subdivision, located at Brgy. As is, Bauan, Batangas. The community is only 11 minutes away from the town proper, and has various business and commercial hubs in close proximity. Some of these are SM City Batangas, Bauan Plaza Hotel, Citimart, Bauan Technical School, Bauan East Central School, Bauan General Hospital, and Bauan Doctor's General Hospital. Also nearby are the municipal hall, tollway, diversion road, and Batangas City Pier.

When it comes to tourist attractions, Bauan has a long scenic coastline with gorgeous beaches to boot. Some of the natural tourist attractions in the area include Dayapan Hills, where you can view the coastline of Balayan Bay; Kalayaan Heights which gives you a fantastic view of Batangas Bay; and Pisa and Sugbuhan Falls which attracts tourists from here and abroad.

Affordability

In case you're not familiar, Lumina is one of the top-listed housing developers in the Philippines, with over 50 developments in key locations across the country, including Bauan. Lumina homes are built of high-quality materials and cost from Php 500,000 to Php 1,700,000. If qualified by Pag-IBIG Fund as a “low-income earner,” a buyer can pay for as little as Php 1,898 a month at 3% interest for a brand new home in a safe and secure Lumina community. 

If you're looking for a house and lot for sale in Batangas, here's a glimpse of the home models that Lumina has to offer:

Lumina Aimee Rowhouse.

For those living solo or newlyweds/couples starting a family, the Aimee Rowhouse is a good starting investment. It's a 22 square meter home on a regular 36 square meter lot with 1 bedroom and 1 bath.

Lumina Angelique Townhouse.

Meanwhile, the Lumina Angelique Townhouse is a 35 square meter home on a regular 36 square meter lot. This two-storey townhouse has 2 bedrooms, 1 bath, and a carport - a perfect size for a family of three.

Lumina Angeli Duplex.

On the other hand, the Lumina Angeli Duplex is great for families with two or more kids. This duplex is a 42 square meter home on a regular 54 square meter lot, with 3 bedrooms, 1 bath, and a carport.

Practicality 

Aside from the property itself, you also get to enjoy several amenities in the Lumina Bauan community. Lumina developments are part of masterplanned communities that come complete with amenities like a community hall, basketball court, mini gardens and playground, and commercial areas. Lumina believes that by building in accessible locations close to major thoroughfares, transport hubs, schools, hospitals, and business and leisure centers, it not just builds a self-sustaining community, it also provides every Juan the pride of homeownership.

The Lumina community awaits you.

Thinking of making a home for yourself and your family in Lumina Bauan?

Visit the official Lumina website for more details, and follow the Lumina social media pages for updates.

Facebook: https://www.facebook.com/luminahomesofficial

Twitter: https://twitter.com/lumina_official

Instagram: https://www.instagram.com/luminahomesofficial/

How to Know What to Invest In.

Deciding you’re ready to invest in the market is a huge financial achievement! We applaud the great financial decisions you’ve made to get you to this exciting point in your journey. Now that you’re ready to start letting your money make you money, the tough part is figuring out what you want to invest in. Rest assured—we're here to make that decision easier. Keep reading to figure out exactly where your money should go.

Kim Seon Ho as Han Ji Pyeong in Start Up (2020).

Do Your Homework 

If you don’t remember much from your freshman Econ class (who can blame you?), you need to brush up on some basic investment knowledge. Doing so will help you make sense of your options—and give you the confidence you need to pursue them. We recommend building a strong foundation of knowledge using resources like: 

     ● Online courses 

     ● Your bank 

     ● Investment books 

     ● Financial magazines, newspapers, and TV programming 

     ● Google (yes, this really is the answer for everything)

Think About Your Timeline

One of the most important things to consider as you start investing is how long you plan to invest, and when you anticipate needing to take the money back out of the market.

Think of it this way: if you’re in your 20s and have decades to let your portfolio grow, your strategy is going to be a lot different than if you’re in your 50s and plan to retire in the next ten years.

Thankfully, using an investment calculator can help you run different projections based on your estimated timeline.

Bae Suzy in Start Up (2020).

Understand Risk vs. Reward

Markets rise and fall, meaning nothing is guaranteed when you invest your money. Although there are a lot of factors you can control, there’s always the possibility of the unknown. This means you need to think about how comfortable you are with financial uncertainty as you decide how to manage your money. In the financial world, you’re either:

● Risk-tolerant – If you’re risk-tolerant, you don’t mind taking chances. You’d rather take a big swing on an uncertain but potentially very lucrative outcome than play it safe and see a much smaller return. You’d rather have a 30% chance of making $50,000 than a 90% chance of making $5,000.

● Risk-averse – If you’re risk-averse, you don’t like uncertainty. You prefer outcomes that are certain, even if the result doesn't have as much potential for reward. You’d happily go for the $5,000, knowing it won’t cause you much stress at all.

Most people don’t fall squarely into one category or the other, so you can pick your portfolio based on which end of the spectrum you’re closer to. However, taking risks isn’t just about your personality—it’s about your financial situation and goals. Are you in a stable position? Can you afford to lose that much? Would you still make rent next month if this didn’t go your way?

You might be extremely risk-tolerant, but that mindset won’t always align with your reality.

Consider the Time Investment

Money isn’t the only thing you’re investing when you begin building your portfolio. You also need to think about how hands-on you want to be with your finances. You may want to “set it and forget it” or you might want to buy and sell shares on a weekly or even daily basis. It’s usually better to start with a less time-intensive approach and build up to more active investing.

Park Seo Joon and Kim Da Mi in Itaewon Class (2020).

Investing is Exciting!

We hope by now you’re feeling more confident about what to invest in. Remember, investing is extremely personal, so it’s always best to do what makes sense for you (regardless of what your overly-chatty coworker tells you about the market). It’s going to take time to start seeing a return on your investments, but when you do, it’ll all be worth it.

Happy investing!