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ML Kwarta Padala becomes a prominent fixture in Philippine society

As a leading remittance service provider in the Philippines and overseas, ML Kwarta Padala has provided valuable services to millions of Filipinos in the form of remittances through all their loved ones.

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By Rizal Raoul S. Reyes

There is no denying the fact that ML Kwarta Padala has become a prominent fixture in Philippine society. As a leading remittance service provider in the Philippines and overseas, ML Kwarta Padala has provided valuable services to millions of Filipinos in the form of remittances through all their loved ones.

To be always on top of its game and at the same time consistently delivers excellent customer services, M Lhuillier is continuously building its network of branches in the Philippines and establishing collaboration with partners abroad by harnessing cutting-edge technology. 

The M Lhuillier management made sure customers will have an easy time in their transactions by introducing easy procedures, convenient locations, and readily available cash in all of its branches.

Corporate philanthropy

Aside from providing stellar service to millions of Filipinos, M Lhuillier also is quite active in its corporate philanthropy fully aware that Filipino families especially those belonging to the marginalized sector needs to be given the necessary assistance to make their lives easier.  With the help of its dedicated Organizational Productivity Enhancement Committee (OPEC) groups, M Lhuillier continues to reach out to extend its help to the depressed communities in the country.

Blood donation

Helping your fellow man especially in challenging times is the greatest satisfaction in life. Through its blood donation program, M Lhuillier’s blood donation campaign is making a big difference by saving lives. It also pays tribute to the blood donors because their vital service has saved a lot of lives.

Looking at the long term, M Lhuillier is aware that the country should have enough supply of blood especially during medical emergencies, and conducted bloodletting drives in various regions of the country through the initiatives of its OPEC groups.

The list of bloodletting drives by M Lhuillier is amazing.  In partnership with OPEC Kulintang,   the company was able to tap 50 volunteer blood donors in Brgy. Indangan, Makilala, North Cotabato. OPEC Capital, in cooperation with the Philippine Red Cross, held the Annual Blood Letting Activity called “Dugo Mo, Buhay Ko” at Divisoria, NCR Region.

Moreover, M Lhuillier is supporting the Philippine Red Cross Institute to boost its blood donation and to respond to the increasing blood requirements of hospitals and health centers. This was highlighted during the pandemic where thirty-eight bags of blood were extracted from employees of the company that benefited the program. There are still lots of bloodletting programs that were conducted by M Lhuillier around the country. 

In these times of need, M Lhuillier believes that even the smallest act can have significant impact. It’s just a blood donation for you, but it’s a life extension for others. 

“If you want to make the world a better place, take a look at yourself and then make a change.”

Michael Jackson
Man in the Mirror (1988)

Inspired by Michael Jackson’s song ‘Man in the Mirror’ calling to change the world for the better, M Lhuillier does its share through one of its pro-people endeavors – financial inclusion.

Being the country’s largest non-bank financial services network, with over 3,000 branches nationwide and a trusted presence abroad, M Lhuillier is walking the talk by promoting its services to the unbanked members of the Philippine society.

Led by the OPEC clusters, M Lhuillier has given assistance, awareness, and appreciation by establishing an outreach program to promote financial literacy to millions of Filipinos. 

Moreover, the Cebu-based company has been living up to its billing as “Tulay ng PaMLyang Pilipino,” from the bustling commercial areas to the relatively low-key communities and far-flung barangays such as Cavite, Cebu, Capiz, Lanao del Norte, Panay, Oriental Mindoro, Zamboanga, Mandaluyong City, Palawan, Cotabato, Surigao del Sur, Maguindanao, and Davao del Sur.

M Lhuillier knows how to reciprocate the love given to them by their staff. A security guard from Lanao del Sur who has been working with the company for 23 years has been commended for his services. It would be very timely as the security guard experienced financial and health challenges.

Moreover, its employees and customers have been recipients of well-deserved recognitions due to strong loyalty and support of the brand through the years. 

M Lhuillier is also championing people’s health by providing access and awareness to health and cleanliness habits. Through the efforts of OPEC officials, M Lhuillier provided beneficiaries in Cavite City medical kits and other medical equipment to aid in developing a healthy lifestyle. 

M Lhuillier is also a strong supporter of education, commending student-achievers as well as educational institutions by providing “Medals of Excellence” to show their admiration and inspire them to prioritize education in their lives. The company donated computers for both students and faculty in different schools around the country, 

It also has the ML CARES Foundation to help the underprivileged in our society through various programs. Moreover, M Lhuillier conducts spontaneous community feeding programs in the country.

M Lhuillier also looks for the children’s health and nutrition to ensure theirproper growth and development.This will also enable them to perform better in school. 

There are other programs by M Lhuillier that can be expounded. But for the lack of space, the above mentioned programs would be sufficient for the meantime. 

M Lhuillier has achieved tremendous growth since it opened its first pawn and jewelry shop in the 1980s in what is considered the country’s oldest thoroughfare, Colon Street in Cebu City. This became a reality when Michel Jones Lhuillier, together with his wife, Amparito Llamas Lhuillier, then founded the M Lhuillier Group of Companies. His son Michel is currently carrying the torch to maintain the rich legacy of the company that is anchored on commitment to quality and trustworthy service.

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Drinking any amount of alcohol likely increases dementia risk

Even light drinking—generally thought to be protective, based on observational studies—is unlikely to lower the risk, which rises in tandem with the quantity of alcohol consumed.

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Drinking any amount of alcohol likely increases the risk of dementia, suggests the largest combined observational and genetic study to date, published online in BMJ Evidence Based Medicine.

Even light drinking—generally thought to be protective, based on observational studies—is unlikely to lower the risk, which rises in tandem with the quantity of alcohol consumed, the research indicates.

Current thinking suggests that there might be an ‘optimal dose’ of alcohol for brain health, but most of these studies have focused on older people and/or didn’t differentiate between former and lifelong non-drinkers, complicating efforts to infer causality, note the researchers.

To try and circumnavigate these issues and strengthen the evidence base, the researchers drew on observational data and genetic methods (Mendelian randomisation) from two large biological databanks for the entire ‘dose’ range of alcohol consumption.

These were the US Million Veteran Program (MVP), which includes people of European, African, and Latin American ancestry, and the UK Biobank (UKB), which includes people of predominantly European ancestry.

Participants who were aged 56–72 at baseline, were monitored from recruitment until their first dementia diagnosis, death, or the date of last follow-up (December 2019 for MVP and January 2022 for UKB), whichever came first. The average monitoring period was 4 years for the US group, and 12 for the UK group. 

Alcohol consumption was derived from questionnaire responses—over 90% of participants said they drank alcohol—and the Alcohol Use Disorders Identification Test (AUDIT-C) clinical screening tool. This screens for hazardous drinking patterns, including the frequency of binge drinking (6 or more drinks at a time).

In all, 559,559 participants from both groups were included in observational analyses, 14,540 of whom developed dementia of any type during the monitoring period:10,564 in the US group; and 3976 in the UK group. And 48,034 died: 28,738 in the US group and 19,296 in the UK group. 

Observational analyses revealed U-shaped associations between alcohol and dementia risk: compared with light drinkers (fewer than 7 drinks a week) a 41% higher risk was observed among non-drinkers and heavy drinkers consuming 40 or more drinks a week, rising to a 51% higher risk among those who were alcohol dependent. 

Mendelian randomisation genetic analyses drew on key data from multiple large individual genome-wide association studies (GWAS) of dementia, involving a total of 2.4 million participants to ascertain lifetime (rather than current) genetically predicted risks.

Mendelian randomisation leverages genetic data, minimising the impact of other potentially influential factors, to estimate causal effects: genomic risk for a trait (in this case, alcohol consumption) essentially stands in for the trait itself. 

Three genetic measures related to alcohol use were used as different exposures, to study the impact on dementia risk of alcohol quantity, as well as problematic and dependent drinking. 

These exposures were: self-reported weekly drinks (641 independent genetic variants);  problematic ‘risky’ drinking (80 genetic variants); and alcohol dependency (66 genetic variants). 

Higher genetic risk for all 3 exposure levels was associated with an increased risk of dementia, with a linear increase in dementia risk the higher the alcohol consumption. 

For example, an extra 1-3 drinks a week was associated with a 15% higher risk. And a doubling in the genetic risk of alcohol dependency was associated with a 16% increase in dementia risk.

But no U-shaped association was found between alcohol intake and dementia, and no protective effects of low levels of alcohol intake were observed. Instead, dementia risk steadily increased with more genetically predicted drinking. 

What’s more, those who went on to develop dementia typically drank less over time in the years preceding their diagnosis, suggesting that reverse causation—whereby early cognitive decline leads to reduced alcohol consumption—underlies the supposed protective effects of alcohol found in previous observational studies, say the researchers.

They acknowledge that a principal limitation of their findings is that the strongest statistical associations were found in people of European ancestry, because of the numbers of participants of this ethnic heritage studied. Mendelian randomisation also relies on assumptions that can’t be verified, they add.

Nevertheless, they suggest that their findings “challenge the notion that low levels of alcohol are neuroprotective.”

And they conclude: “Our study findings support a detrimental effect of all types of alcohol consumption on dementia risk, with no evidence supporting the previously suggested protective effect of moderate drinking. 

“The pattern of reduced alcohol use before dementia diagnosis observed in our study underscores the complexity of inferring causality from observational data, especially in ageing populations. 

“Our findings highlight the importance of considering reverse causation and residual confounding in studies of alcohol and dementia, and they suggest that reducing alcohol consumption may be an important strategy for dementia prevention.”

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Distribution of fat could influence cancer risk, study suggests

Obesity is usually measured using body mass index (BMI), but growing evidence – particularly from heart health research – suggests that BMI alone doesn’t capture the full picture when it comes to obesity-related health risks. However, the role of fat distribution in cancer risk has been relatively unexplored.  

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How fat is distributed in people’s bodies could make a difference to their risk of certain cancers, according to new research led by the University of Bristol.  The international study is published in the Journal of the National Cancer Institute (JNCI).

Scientists have already shown that having obesity increases a person’s risk of developing certain cancers. Obesity is usually measured using body mass index (BMI), but growing evidence – particularly from heart health research – suggests that BMI alone doesn’t capture the full picture when it comes to obesity-related health risks. However, the role of fat distribution in cancer risk has been relatively unexplored.  

Researchers in Bristol’s Integrative Cancer Epidemiology Programme (ICEP) investigated whether body fat at different locations across the body influences the risks of 12 obesity-related cancers – endometrial, ovarian, breast, colorectal, pancreas, multiple myeloma, liver, kidney (renal cell), thyroid, gallbladder, oesophageal adenocarcinoma, and meningioma.

They used a technique known as Mendelian randomisation, which uses statistics, computing and the natural variations in people’s genetics to identify patterns in large health data sets. 

The team found that fat distribution appears to influence cancer risk – but the relationship varies by cancer type. For some cancers, where fat is stored in the body seems more important than how much is stored; for others, the reverse is true; and, for some, both matter.  In cancers where distribution is important, the specific locations of body fat driving this seem to differ by cancer, meaning the overall picture is quite complex. 

Lead author, Dr Emma Hazelwood, who recently completed her PhD at the University of Bristol, explained: “These findings support the growing consensus that BMI, while useful for population-level trends, may be too simplistic for assessing individual health risks.

“Our results tell us that there is no ‘one-size-fits-all’ when it comes to cancer, meaning a more tailored approach to cancer prevention in people with obesity could be most effective.” 

The paper’s findings fit with recent calls for change, including the 2024 European Association for the Study of Obesity framework and the Lancet Commission on the future of obesity, which have emphasised that BMI is a flawed diagnostic tool and that fat distribution matters.  

In the future, a better understanding of how fat distribution across the body affects cancer risk could help identify those most at risk and guide more personalised approaches to obesity treatment and cancer prevention. 

The research team recommend further work is needed, using different approaches and studying non-European populations.

Dr Hazelwood added: “It is vital to understand the biological mechanisms that underpin these associations – particularly how and why different fat depots affect cancer development. In the longer term, we need to explore how obesity treatments – whether lifestyle or drug-based – influence these risk pathways.” 

Dr Julia Panina, Head of Research Funding at World Cancer Research Fund, added: “Our evidence-based Cancer Prevention Recommendations highlight the role of maintaining a healthy weight to reduce cancer risk. While this remains essential, growing scientific evidence shows that body composition – particularly how fat is distributed throughout the body – is also a crucial factor.  

“With support from our fantastic donors, we were able to co-fund the University of Bristol’s excellent team whose findings will help direct this exciting area towards possible new cancer prevention and treatments.” 

This study was funded by the World Cancer Research Fund (WCRF UK) and Cancer Research UK (Integrative Cancer Epidemiology Programme). This work was carried out at the MRC Integrative Epidemiology Unit (MRC IEU), which is supported by the Medical Research Council (MRC) and the University of Bristol. 

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Forget materialism, a simple life is happier: research

The commitment to simple living, or ‘voluntary simplicity’ as it is formally known, leads to wellbeing through providing more opportunities for personal interaction and social connection than conventional contexts of exchange, such as community gardens, sharing resources, and peer-to-peer lending platforms.

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In an age where billionaires and conspicuous consumption are increasingly on display, new Otago-led research shows a simple life really is a happier life.

The study led by University of Otago – Ōtākou Whakaihu Waka Department of Marketing researchers has recently been published in the Journal of Macromarketing.

After setting out to understand the relationship between consumption and wellbeing, the researchers found people are happier and more satisfied when adopting sustainable lifestyles and resisting the temptations of consumerism.

They analysed data from a representative sample of more than 1000 New Zealanders, made up of 51 per cent men and 49 per cent women, with a median age of 45 and a median annual household income of $50,000.

They found the commitment to simple living, or ‘voluntary simplicity’ as it is formally known, leads to wellbeing through providing more opportunities for personal interaction and social connection than conventional contexts of exchange, such as community gardens, sharing resources, and peer-to-peer lending platforms.

Women are more likely to adopt a simple life than men, although more research is needed to understand why.

Co-author Associate Professor Leah Watkins says consumer culture promotes happiness as being typically associated with high levels of income and the capability it affords to acquire and accumulate material possessions.

“However, research is clear that attitudes to, and experiences of, materialistic approaches to life do not lead to increases in happiness or wellbeing. Nor do they lead to sustainable consumption necessary for planetary health.”

Between 2000 and 2019, global domestic material consumption increased by 66 per cent, tripling since the 1970s to reach 95.1 billion metric tons.

Growing consumer affluence and higher living standards have resulted in warnings of alarming trends of environmental degradation from human consumption.

This, coupled with global warming and post-pandemic health and financial anxieties, has led researchers and policymakers to call for a better understanding of the links between simple consumer lifestyles and wellbeing.

But co-author Professor Rob Aitken says this isn’t a case of just throwing out all your worldly possessions.

“It’s not directly the commitment to material simplicity that leads to wellbeing, but the psychological and emotional need fulfilment that derives from relationships, social connection, community involvement and a sense of living a purposeful and meaningful life.

“In a world where billionaire weddings are treated like state occasions and private yachts are the new status symbols, voluntary simplicity offers a quiet, powerful counter-narrative — one that values enough over excess, connection over consumption, and meaning over materialism.”

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