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Adulting in a pandemic 101

Here are a few things young adults should ponder on and start doing even while in quarantine.

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The global pandemic has caught everyone off-guard. While health and safety remains top priority,  staying afloat may be the biggest challenge of millennials and Gen Zs  young lives thus far. With many getting pay cuts or losing jobs, learning to manage personal finances as soon as possible is a large part of adulthood.

Here are a few things young adults should ponder on and start doing even while in quarantine:

Learn Budgetting

Now is a good time to start a budget. Apply the 50-30-20 rule. Allocate 50% of income towards basic necessities, 30% for leisures and 20% towards financial goals. Take note of billing due dates and pay on time. Use an Excel spreadsheet, an app or even a pen and paper to keep track of expenses.

Look for ways to reduce monthly expenses.Whether that’s subscribing to only one streaming service, downgrading mobile postpaid plan or switching to prepaid or unplugging devices when not in use, the savings from these can go a long way towards improving one’s overall personal financial health.

Financing options such as Toyota Financial Services’ Balloon Payment Plus makes car ownership easier with lower down payment and monthly terms, already inclusive of periodic maintenance services. Such packages make spending lighter on the monthly budget, with guaranteed great resale value options by the end of the term.  

Spend Wisely

The pandemic has made everyone’s future a little uncertain so it’s best to be cautious with spending. Distinguish between wants and needs.This applies to the 100 items in one’s online shopping cart. Think long and hard before hitting that checkout button.

When grocery shopping, assess the household’s current supplies and buy only enough for the whole family. Have a shopping list and stick to it as well.

Take advantage of cashbacks and rewards program. Plenty of companies nowadays offer cashback and rewards incentives for every purchase or for paying bills on time.    

For big purchases, always go for value for money and explore available instalment plans to make payments lighter on the pocket. One is sure to get their money’s worth with Toyota Vios not only for being a quality and durable car, but also for its added value benefits such as free periodic maintenance service (PMS), extended warranty, or free car insurance.  Worried about shelling out a lot money? With Toyota’s myriad of available financing solutions from low downpayment schemes to discounts, owning the Vios is made as affordable as possible.  

Start or Keep Investing

There are many forms of investment one can do even while in quarantine.

Building and diversifying financial investment portfolios is a good idea for young adults. With retirement decades away, not only is there more time to learn and recover from possible losses, investing can also help one achieve financial freedom earlier.   

With work from home and less socializing still the norm, another investment worth considering is learning. Take up a new language. Read more books. Enroll in an online certification course. Investing in education is a great way to help increase one’s personal development and professional value.

Some big ticket items are also worth investing on during this period. With persisting limited transportations due to quarantine restrictions, having a car can provide more flexible mobility when traveling to work, the grocery store or running errands since there’s no need to queue in line, waiting for a ride. More importantly, Gen Zs and millennials can reduce their exposure to the virus by driving their own car. Experts advise to be at least 6 feet away from people but with public transportation, this may be more challenging to follow.

The Toyota Vios has an extensive variant lineup to suit the needs of every Filipino including first-time car owners.

An excellent investment for first-time car owners looking for a safe and reliable mode of transportation, the Toyota Vios delivers performance that levels up the lifestyle. Recently named as the Most Reliable Car Brand for 2020[i], Toyota offers more than what meets the eye. With an array of variants to choose from, the Toyota Vios is easy to maintain, has a spacious interior, and boasts an impressive engine performance that provides a driving experience that can withstand the knocks of daily errands. Depending on one’s goals, one can avail of the XE variant for that everyday practical car, or grab the recently launched Toyota Vios GR-S that comes with a track-ready aesthetic – both in its interior and exterior. And if along the line one is considering to upgrade, a Toyota vehicle has an impressive resale value – truly a bang for one’s buck.

The Toyota Vios is a reliable and durable vehicle that can address the mobility needs of every millennial and Gen Z.

The Toyota Vios is proudly assembled by Filipino automotive makers in the Philippines. By choosing the Toyota Vios, one not only enjoy the perks of having a dependable car, but also help support the livelihood of fellow Filipinos working in the local automotive industry.

With enough patience and determination, one will get the hang of adulting with money and build a better, more secure future.

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NewsMakers

Clorox PH partners with PAL to help enhance travelers’ health, safety

Clorox Philippines worked with PAL to enhance the safety of their customers by providing Clorox products in PAL’s airport hubs and ticket offices across the Philippines.

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As health and safety became a top concern amid the pandemic, especially for travelers, Clorox Philippines, one of the country’s leading providers of cleaning and disinfecting products, collaborated with the flag carrier Philippine Airlines (PAL). 

Clorox Philippines worked with PAL to enhance the safety of their customers by providing Clorox products in PAL’s airport hubs and ticket offices across the Philippines. PAL received Clorox Expert Disinfectant Sprays, Clorox Expert Disinfecting Wipes canisters, Clorox Clean-Up All-Purpose Cleaner, and Clorox Toilet Bowl Cleaners to disinfect its vital facilities and amenities. 

“The health and safety of our passengers are our top priorities. We are pleased to have partnered with Clorox Philippines, which shares our values in upholding the safety and welfare of consumers. As more people go back to flying, our partnership is significant and timely,” said Ria Carrion-Domingo, Vice President for Marketing at PAL. 

Clorox Expert Disinfecting Wipes were also given to PAL’s arriving international and domestic passengers and customers of ticket offices nationwide from December 31, 2021, to March 2022, catering to almost 22,000 travelers. 

“We are always committed to making the lives of every Filipino better each day with our Clorox products amid these uncertain times. And with our collaboration with PAL, we are happy that we can assist in making their travelers safe,” said Monique Gonzales, Marketing Manager for Southeast Asia at Clorox International. 

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Medical Depot expands from north to south of the country

With at least 12 more new stores set to open until end of 2022, Medical Depot recently signs a partnership with Union Bank to strengthen its financial capacity in fulfilling its goals of having 200 total number of stores by 2025.

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With the desire to continue serving more and more Filipinos with quality medical products, Medical Depot grew its total number of strategic branches from 24 stores in 2021 to 38 stores year to date and expanded its geographic footprint to cover 34 cities within Luzon. The company is also expected to establish its presence in the Southern part of the country towards the end of the year. 

Medical Depot started its humble beginnings in 1991 with just 1 branch located in Bambang, Manila and with only three sales personnel. It grew steadily after a few years. Having the vision to further reach more Filipinos, an extensive expansion plan was launched in the first quarter of last year. Since then, the company has been growing at a 50% rate in new branches and has positioned it to be able to serve more localities and increasing the number of total families that can be serviced from hospitals to patients. 

“It has always been our mission to bring quality medical products to our countrymen and to ensure that we are able to service the increasing medical needs of Filipino families in various communities. Our expansion plan that we rolled out is a testament to this mission and we’re glad that we’re on track to open our 40th store by this June,” states Rudy Medina, Chairman of Medical Depot. 

With at least 12 more new stores set to open until end of 2022, Medical Depot recently signs a partnership with Union Bank to strengthen its financial capacity in fulfilling its goals of having 200 total number of stores by 2025. This further fuels the growth trajectory of the company and will support its plan to open its first ever operating and production hub in Mindanao with that will bring its thousands of quality medical products to the southern parts of the country.

In addition to the expanded locations, Medical Depot is also investing in research and development to increase its available items from 5,000 to 10,000 different products and supplies that will cater to various medical demands.

“Medical Depot’s legacy is really about helping the country by addressing the medical needs of our fellowmen with reasonably priced, top-quality medical products. Our efforts to reach more Filipinos by opening new strategic branches across the country in the last 6 months and working to open our hub in the Mindanao region speaks for this and this is truly a milestone for the company,” shares Baby Medina, Vice Chairman of Medical Depot.

The road to success for Medical Depot may not have been a smooth ride but with its constant commitment and care for the medical needs of the Filipinos, the company is on track to continue to succeed by serving the communities through quality medical supplies.

To learn more about Medical Depot and, visit https://medicaldepot.com.ph/ or their Facebook page for updates.

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How to get the best wedding photos ever

Finding the ‘right’ photographer for your wedding is a bit like dating; you can’t make a decision only after checking someone out online. A photographer’s portfolio might be really polished, but you can’t get a real sense of their personality or emotional intelligence. It’s wise to meet with a few photographers or videographers, either in person or via zoom, before you make a final decision.

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Photo by Joel Overbeck from Unsplash.com

According to The New York Times, 2022 will be the biggest year for the wedding industry since 1984. After two years of delays and cancellations, everyone is going to the proverbial chapel to tie the knot. One of the most important elements for many couples are the photos and videos, preserving this special moment forever.

“In the end, having tangible memories you’ll cherish for years to come is a better investment than party favors or fancy table linen,” said Rachel LaCour Niesen, Head of Market Intelligence

A graduate from the Missouri School of Journalism, LaCour Niesen forged a career as a professional wedding photographer and photojournalist where she developed the first CRM for pro photographers. While still continuing her passion in professional photography, LaCour Niesen also serves as Head of Market Intelligence at ShootProof, a platform used by 300,000 photographers to share, deliver, print, & sell their photos. Just in the last year, Shootproof managed wedding galleries received 2.8 million visits per month – and that number is anticipated to grow in 2022. 

Her advice when shopping for a wedding photographer? “Finding the ‘right’ photographer for your wedding is a bit like dating; you can’t make a decision only after checking someone out online. A photographer’s portfolio might be really polished, but you can’t get a real sense of their personality or emotional intelligence. It’s wise to meet with a few photographers or videographers, either in person or via zoom, before you make a final decision.”

For one of the most important days in someone’s life, Rachel has a few “dos” before you say “I Do”

  • Ask friends and family for recommendations. “Word-of-mouth referrals are a great way to curate a list of prospective photographers and videographers.” says Rachel. “After all, your friends and family know you better than anyone else.”
  • Spend time viewing their online portfolios. According to Rachel, “a lot of people can take a few great photos or videos. To tell a more complete “story” of a wedding celebration requires more skill, patience, and thoroughness.”
  • Look closely to see if the photographers and videographers you are interested in have shot weddings in many types of lighting conditions. “It’s pretty easy to capture stunning photos outdoors during “golden hour,” around sunset,” Rachel remarked. “But it’s much, much harder to capture stunning photos in a dimly-lit event space like a hotel ballroom or dance club.”
  • Ask whether photo products are included in their booking fee and/or package price. “To me, every couple should end up having a wedding album or book–a tangible one, not just an online slideshow,” Rachel said. “I still have copies of my grandparent’s wedding photos hanging in my home. They inspire me and bring back so many memories of our family stories. Plus my son is now curious to hear about his great grandparents too and I can point right to those photos and use them to spark conversation.”

Wedding photography does not just document the union itself, but all the family members and friends who came together to celebrate. “Sometimes, the most cherished photo is not that ‘kiss the bride’ moment but that last family image with a beloved grandparent. Weddings are those precious occasions where people rally together in a grand act of joy.”

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