TIPS IN PURCHASING PRE-OWNED HOMES

A property seeker is always hesitant when it comes to buying second-hand homes. This is because such properties could eventually cost you a fortune in renovations if you are not cautious.  

Spare yourself from possible buyer’s remorse. PSBank, through its “Good to Know” campaign, help you spot a gem among wide choices of pre-owned houses with these tips:

Know where to look.  The best places to find pre-owned real estate properties for sale are banks and local government institutions such as the Home Development Mutual Fund or PAG-IBIG.  Check out their website and you’ll find the best property deals.  There are also property auctions that these institutions organize.  Some properties not normally listed in their websites are being auctioned here. 

Schedule a visit or inspection.  Determine the real condition of the house yourself by asking a professional inspector for help.  Check if the basic structure, floor plan and infrastructure remain sturdy and durable. Ensure that there’s electrical and plumbing system installed, rooms are well-proportioned and there are no bad cracks or serious leaks. A great buy would be one with no major fixes and you’ll be able to move in to your new home soon.

Consider the location. The location is just as important as the house itself. If it is located within a good school system, a nearby transportation, market or grocery, then finding a home priced to accommodate the necessary updates could be a good deal.

Verify documents. Check the title and latest property tax receipt. The title will not only tell you how old the property is but it will also let you know if the property had a chain of previous owners. 

Check the market value of the property.  To ensure that you will not be paying more than you should, go through the current price trends and get an estimate or seek an expert to help you evaluate the second hand property against similar properties in the area.

Buying an excellent pre-owned property or a second-hand home entails lots of patience and due diligence. However, getting it for a bargain price should be more than enough motivation and be able to convince you that what you purchased is more than what you paid for.  You really just need to know where to look.

PSBank is currently offering significant discount on its already low-priced pre-owned real estate properties for sale.

Buyers looking for quality and affordable pre-owned condominium units, houses and/or lots will enjoy 20% to 25% discount on selected properties when they purchase from December 4, 2018 to March 4, 2019.

Aside from this great deal, you are assured of “clean” pre-owned properties for sale.  This means that each property in PSBank’s list ofReal Estate Properties for Sale has a registered title and a tax declaration consolidated under the Bank’s name.  Plus, all properties are free from any legal issues and are already in the possession of the Bank.

To avail of the promo, you simply need to submit a completely filled-out Offer to Buy form and Buyer’s Information Sheet to PSBank Asset Sales Department, at any nearest PSBank branch, or via the Bank’s accredited brokers.  You also have the option to make their purchase in cash or by applying for a PSBank Home Loan with Prime Rebate.

PSBank Home Loan with Prime Rebate offers low interest rates, convenient payment modes, and flexible payment terms.  Applicants will also get a credit decision within five banking days or less via SMS.  Borrowers can also save money by paying early or before the due date or by paying more than their monthly loan amortization.  PSBank Home Loan has the Prime Rebate feature allowing home loan clients to earn rebates in the form of “interest discount” on any advance or excess payments made on the loan. Over time, clients could use the rebates to lower the loan principal, shorten the loan term, or even both.

Check out the list of properties and download the forms at www.psbank.coml.ph/propertiesforsale. 

For more information on the promo, you may call the following:

• Properties located in Metro Manila, Rizal, Visayas and Mindanao: (632) 885-8208 local 8990
• Properties located in North Luzon: (632) 885-8335
• Properties located in South Luzon: (632) 885-8208 local 8016

UNLOCK MILLIONS OF TRAVEL WITH GETGO

The lifestyle rewards program of Cebu Pacific is making every Juan’s travel goals come true with the Points to a Million Promo. Starting January 25, 2019, members who convert their credit card points to a minimum of 2,000 GetGo points can earn an additional 300 GetGo points.

But wait, there’s more surprises coming your way! Members can also earn raffle entries for a chance to win 1 million GetGo points! Every 1 point converted is equivalent to 1 e-raffle entry.

With this much GetGo points, there’s no better time than now to bring out those travel bucket lists and start flying anywhere and anytime, as often as you want! Experience the life of a millionaire and enjoy hopping in and out of the airport as you explore the best of Cebu Pacific’s local and international destinations for free.

Bring your family and friends to backpacking trips in the Philippines to try the thrilling activities in each province. You can also spend long weekends going on shopping sprees at the hottest shopping destinations in Seoul and Japan, or have an epic culinary adventure all around Asia as you visit food cities like Hong Kong, Bangkok, Singapore, and Taipei to taste the best local street food and modern dishes that each place has to offer.

The Points to a Million Promo is open for GetGo members who own any of the participating credit cards from the following banks: UnionBank, Citi, BPI Credit Cards, Asia United Bank, Bank of Commerce, EastWest Bank Credit Cards, RCBC Bankard, Security Bank, Robinsons Mastercard by Metrobank, and BDO.

Don’t let your hard-earned credit card rewards points go to waste and convert it to GetGo points now to claim the free trips you deserve. The Points to a Million Promo runs until March 31, 2019. Per DTI-FTEB Permit No. 1036, Series of 2019.

For more information on memberships and partners, visit www.getgo.com.ph. Stay updated on the latest promos by liking GetGoPH’s official pages on Facebook, Twitter, and Instagram.

MANG INASAL MARKS JANUARY 26 AS PAMBANSANG ARAW NG CHICKEN INASAL

Mang Inasal, home of the country’s No.1 Chicken Inasal, will once more celebrate Filipinos’ love for its great-tasting grilled chicken on January 26.

Now called as the Pambansang Araw ng Chicken Inasal, the celebration will feature a one-day only promo where customers ordering the Chicken Paborito Value Meals (PVM) at Mang Inasal stores nationwide will enjoy P15 off.

The promo applies for dine-in and takeout transactions only.

“It’s our treat for solb eaters out there – those who love to indulge in Mang Inasal Chicken Inasal the way they want to – that is, with their bare hands, with unli rice, or doused with their favorite mix of condiments. They can enjoy the 2-in-1 sa Laki, Nuot sa Ihaw Sarap Chicken Inasal with their family and friends at an even greater price for one day only,” said Mang Inasal Brand Manager Schubert Quilinquin.

“It’s our way of thanking our customers for their loyal patronage over the last decade and a half, while at the same time, inviting new customers to come to our stores and taste our best-selling grilled chicken,” he added.

The Pambansang Araw ng Chicken Inasal is part of the leading quick service restaurant’s year-long celebration of its 15^th anniversary, where one of their achievements is having perfected the formula of delivering consistent superior quality and taste of their products.  Established in 2003, Mang Inasal has grown to over 500 stores nationwide.

Satisfy your craving for Chicken Inasal! Join the celebration of Pambansang Araw ng Chicken Inasal at the Mang Inasal store nearest you!

TRAVEL DREAMS COME TRUE WITH CEB GETGO VISA CREDIT CARDS

As another new year starts, many individuals are bringing out their planners and making lists of their resolutions. For those planning to bring out their inner jetsetters in 2019, there’s no better time to embrace a travel lifestyle than now.

With a trustworthy lifestyle rewards program such as GetGo, traveling becomes exciting and rewarding in more ways than one. Whether you’re a young traveler itching to explore new destinations or a parent planning that much-awaited family getaway, GetGo has lined up a few tips to help fulfill your new year travel resolutions:

Watch out for seat sales

Local airlines such as leading low-cost carrier, Cebu Pacific, have been enabling Filipinos to fly in and out of the country with its budget-friendly flight tickets. If you want to score cheap tickets to the most visited destinations like Hong Kong, Korea, Bohol, and Siargao, it helps to keep tabs on the latest promos and seat sales so you can fly on a discount. You can even fly for free on rewards points if you are a GetGo member.

Research about your dream destination

You can better enjoy an unfamiliar territory when you have good knowledge about what to do and where to stay for the trip. As budding travelers, it is advisable to read up about the destination and familiarize with the tourist spots so you would not get lost and get the most out of your vacation.

Prepare an itinerary

List down the places you want to visit and plot them in a schedule to manage time efficiently when you are already touring the destination. Keep your plans on your phone with helpful online travel apps. You can even book discounted tickets to popular tourist destinations on sites like Klook and get rewards if you are a GetGo member.

Get a credit card made for traveling

Enjoy the best of traveling and unlock perks and benefits with your own travel credit card such as the Cebu Pacific GetGo Credit or Platinum Credit Card. With the CEB GetGo Visa Credit cards, you can fly to the hottest local and international destinations, dine at five-star restaurants, and even go on a cashless shopping spree while earning points to fly for free! You will even get exclusive merchant discounts, enjoy access to the airport lounge, receive additional 5kg baggage allowance, and have automatic transfer of points.

Making the year more fulfilling for travelers, GetGo gives everyJuan the chance to spend holiday trips and vacations by flying with its 16,000 Bonus Points Promo. Cardholders who will apply for Cebu Pacific GetGo Credit or Platinum Credit Card from now up to February 15, 2019 will receive 8,000 Bonus GetGo Points by spending P20,000 on the credit card within 65 days from approval date. On top of the initial offer, Cebu Pacific GetGo Platinum cardholders will also be given a unique promo code for additional 8,000 GetGo Points upon spending another P20,000 using the new card within the same period.

With 16,000 GetGo points, you can tick off places and activities that have been in your bucket list for a long time. From surfing in Siargao, island hopping in Palawan, celebrating festivals in Cebu, and even seeing the cherry blossoms bloom in Japan, you can enjoy the wonders of traveling with your CEB GetGo Visa Credit cards. 

So, let your travel dreams take flight with GetGo and enjoy up to 16,000 bonus points to fly for free when you spend using your new CEB GetGo Credit Card. Apply now at http://bit.ly/CEBGetGoCreditCard and visit https://www.getgo.com.ph/promos/cobrand-8K-promo for full mechanics. Promo is extended until February 15, 2019.

For more information on memberships and partners, visit www.getgo.com.ph. Stay updated on the latest promos by liking GetGoPH’s official pages on Facebook, Twitter, and Instagram.

MANG INASAL SUPPORTS READING PROGRAM IN ILOILO

Mang Inasal recently donated P500,000-worth of children’s story books to public schools in Iloilo City and selected grade schools in the province. This was coursed through “Sa Pagbasa, May Pag-asa” program of the Jollibee Group Foundation. 

Mang Inasal Vis-Min Area Manager Thomas Jason Medel (right) leads the turn over of books to Jaro II Elementary School principal Liney Arbinoya. Accompanying them are Mang Inasal ICC Restaurant Manager Hanna Polido and Mang Inasal PR Manager Ed Timbungco.

The donation formed part of the celebration of Mang Inasal’s 500^th store at the Iloilo City Center, Diversion Road, Mandurriao, Iloilo City. The store, which formally opened in June 2018, was a homecoming of sorts. Mang Inasal opened its first store in Iloilo 15 years ago.

STARBUCKS BUILDS ANOTHER CLASSROOM WITH HOPE IN A BOTTLE

Ever since it was established in the country in 1997, Starbucks has always been known to brew handcrafted beverages for coffee lovers. Since 2012, however, the company has also been brewing opportunities for young Filipinos to better their lives through simply serving Hope in a Bottle.

In partnership with Hope in a Bottle, Starbucks Philippines (Rustan Coffee Corporation) has been retailing the purified drinking water in their stores nationwide, to generate funds needed to build public school classrooms in areas where they are most needed. Upon construction, the facilities are donated to schools identified by the Department of Education Adopt-A-School program, to help address the problem of classroom shortage. The department is set to deliver 81,000 classrooms to address the shortage which affects more than 2.5million students.

100% of the profits from selling Hope in a Bottle go into building the classrooms. The social enterprise has built four classrooms for Starbucks, including one in H.N. Cahilsot Elementary School in General Santos City, and two classrooms at the Lt. C. Villafuerte Sr. Elementary School in Davao City.

Starbucks classroom

Recently, officials of both partners have unveiled another classroom donated by Starbucks at the Archbishop Emilio Cinense Memorial Integrated School (AECMIS) in San Felipe, City of San Fernando, Pampanga.

“We would like to thank Starbucks for being a donor of our new classroom. This will benefit not only our students for this current schoolyear but also all the future generations of students here in San Felipe,” said Felisa Cabaobas, AECMIS principal.

The principal noted that before HOPE and Starbucks donated the new classrooms, students from different grade levels shared old, poorly ventilated classrooms through a morning and afternoon “shifting” schedule. This meant that every day, teachers had less- time to teach their subjects while students had to learn as much as they can in the same amount of time, in such a poor learning environment.

Addressing educational and environmental impacts

To be occupied by Grade 11 students, the Starbucks classroom is made of eco-bricks from a compact mixture of cement and post-consumer plastic, making it stronger than regular concrete hollow blocks. This is the program’s first classroom to be built with eco-bricks.

HOPE considers the latest classroom construction a breakthrough in their advocacy since it addresses two main concerns: education and the environment. “Eco-bricks provided us with the unique opportunity to upcycle thousands of plastic bottles per classroom, so we have committed to using them in all of our builds starting 2018,” said Joie Ann BalaongHOPE program officer for education.

Partnership brings hope to students

More than building and donating classrooms in far-flung and devastated areas, Friends of Hope and Starbucks share in the vision and passion of making education more accessible to students, giving them hope for a brighter future.

“We are happy to be partnered with HOPE. At Starbucks, we believe in making a difference in the communities we engage in. In this case, we believe that every Filipino has the right to quality education by providing them with a conducive learning environment, and this is what our partnership delivers,” said Jo-Ann Ramos, Starbucks Philippines marketing manager.

In mid-2019, Starbucks is set to turn over its 5^th classroom, which will also be constructed using eco-bricks, as part of its commitment to education and the environment, and is already looking forward to building more classrooms and being a vehicle for positive change among the youth.

Apart from helping build new classrooms, Starbucks is also committed to refurbish and rehabilitate school facilities to solve classroom shortage through its partnership with non-profit organizations, Teach for the Philippines and Renovate to Educate.

The program gives Starbucks partners (employees) the opportunity to help rebuild classroom chairs and tables, repair classroom doors, and repaint comfort rooms, even fabricate blackboards and shelves through various initiatives, including the Starbucks Planner promotion.

To date, the Renovate to Educate program has rehabilitated fourteen (14) schools in Metro Manila, Laguna, Baguio, Cebu, Davao and Cagayan de Oro City with the help of more than 800 Starbucks partners.

JOLLISAVERS, WILL HELP YOU SURVIVE PELIGRO

Petsa de peligro—that nerve-wracking time when payday feels so near yet so far—now extends beyond the 14th and 29th of every month. These days, because of the increasing prices of our daily needs, we now face “Everyday Peligro”, daily challenges we must overcome with our tight budget.

But as the latest Jollibee ad shows, there are creative and enjoyable ways to survive everyday peligro, especially with the help of JolliSavers!

In the newest video featuring legendary comedienne Eugene Domingo (playing the character of U.G.E. in the brand’s 14/29 JolliSerye series), Jollibee brings Diskarteng Savers to the table: hilariously fun yet practical tips to survive everyday peligro.

The video illustrates a common dilemma for young working Pinoys—wanting to get home as soon as the workday ends, but not willing to pay expensive fares and surge rates. To this situation, Eugene recommends a great Diskarteng Savers tip that will definitely be enjoyable and budget-friendly: going on a fun run home with your officemates! And while you’re enjoying the company of your friends, why don’t you stop by the nearest Jollibee store and avail of their JolliSavers meals - delicious and affordable food options for only P50.00 or less!

“Diskarteng Savers tips were inspired by real-life diskarte moves that working Filipinos do to creatively and enjoyably survive today’s trying times.”, said Cathleen Capati, Jollibee AVP and Head for Flagship Category. “JolliSavers serves as the key solution to conquering everyday peligro with its delicious and affordable offerings.”

Enjoy best-sellers such as the Beefy Langhap-Sarap Yumburger (P35.00*), the Cheesiest, Meatiest, Sweet-sarap Jolly Spaghetti (P50.00*), and the beefy-saucy Linamnam Ulam Burger Steak (P50.00*). JolliSavers is available for dine-in, take-out, delivery and drive-thru transactions in all Jollibee stores nationwide.

Watch out for more everyday survival tips, of course with the help of JolliSavers by liking Jollibee Philippines on Facebook, subscribing to Jollibee Studios on YouTube, and following @Jollibee on Twitter and Instagram.

* Prices may vary across different locations

STARBUCKS YEAR OF THE PIG COLLECTION

Have an abundant and prosperous 2019 as Starbucks welcomes the Year of the Pig! In Chinese culture, the pig is a symbol of wealth and luck, and this year, the lucky Pig is sharing its fortune and promising success to everyone.

Starting January 8, Starbucks is releasing its Lunar New Year Collection complete with tumblers and mugs designed with delightful pig drawings in detailed water color texture and floral elements in pink, red and yellow palettes. Even the Starbucks Bearista gets a porky make-over, dressed up in a cute pig outfit.

Starbucks is also offering a special Year of the Pig Card with a warm colored  illustration of the smiley zodiac sign, surrounded by blossoming flowers in red and yellow colors. 

The card is available for an initial activation of P300.

With the pig as the last zodiac in the 12-year cycle, Starbucks is also launching a limited edition Chinese Zodiac Demi Set complete with all the zodiac signs, perfect for collecting or gifting. Housed inside a premium red and gold box, the set includes Lunar New Year mugs from 2008 to 2019 in demitasse size. The entire set is available starting February 1 in select stores for P5,495. 

Get ready and hog your favorite pieces just in time for the Lunar New Year at your nearest Starbucks!

THE NEW STARBUCKS TEAVANA BEVERAGES

Starbucks Philippines kick-start the year 2019 with their newest beverages, we all know that they offer not only the finest coffee but also tea!. 

Tea is one of the most famous beverages, a timeless drink not only in the west but mostly in asia. Tea is not part of the meals, also a part of traditional ceremonies, events and important occassions.

 

Now, embracing the spirit of innovation and reimagination, Starbucks is introducing a new way for us to experience tea with a range of Teavana® ™ Tea Lattes to bring a modernized tea experience.

 

Available  for  a  limited  time  only  starting  January  8,

 

Starbucks introduces four new Teavana® ^®  beverages – Oat

&  Green Tea Latte, Oat & Green Tea Frappuccino^®, Peach Black Tea Latte, and Chestnut Black Tea Latte.

 

For those with a love for all things Matcha, Starbucks offers two invigorating Green Tea beverages. Warming customers up for the season is the velvet smooth Green Tea Latte infused with Oat Matcha powder and sprinkled with colorful, crunchy granola and fruit topping. The Oat and Green Tea pairing also comes in a more indulgence Frappuccino^® variation topped with coffee whipped cream, crunchy granola, and dried fruits.

 

A bolder and more intense tea flavor will surprise those sipping Starbucks Teavana® Black Tea Lattes because of its pure, finely ground, and unsweetened black tea. The Black Tea Lattes which are part of the new Starbucks Teavana® line are Peach Black Tea Latte made with creamy steamed milk, black tea, and hints of peach flavors and the Chestnut Black Tea Latte combined with decadent roasted chestnut sauce, smooth black tea, and steamed milk and topped with chestnut praline and freeze dried strawberry toppings.

 

That's a more unique and exciting flavor combinations await for us at Starbucks! Let's grab the newest beverages and enjoy a modern tea experience unlike any other. Not only that, tomorrow January 8 is a double stars treat when we order the newest Teavana Beverages yeay....Happy New Year indeed!!!.

Starbucks Philippines, Philippine Food Bank Foundation uplift more communities through the FoodShare program

Since it first opened in the Philippines in 1997, Starbucks has donated unsold yet still fully edible pastries to non-government organizations (NGOs). This year, Starbucks aims to serve more communities with the help of the Philippine Food Bank Foundation (PFBF).

Just recently, Starbucks partnered with the PFBF to help a few Starbucks branches find partner NGOs and implement this FoodShare initiative. For their pilot run which lasted for 1 week, Starbucks and PFBF successfully delivered a total of 1,600 pastries to orphanages, school, and underserved communities near the six stores.

“To eat the products of Starbucks is something that these people could not have imagined. To everyone it is such a blessing. Thank you very much for sharing your products to us. God bless and we continue to pray for all the endeavors you are doing,” said Sr. Cherry Consimino from the Daughters of Virgin Mary Immaculate, one of the NGOs chosen to distribute the pastries.

"We decided to approach socially responsible food companies in the Philippines to allow us to distribute their soon-to-expire (SOTEX) but still very edible products to the malnourished and undernourished Filipinos belonging to the 21 percent of Filipino families who fall below the poverty line. We found them among squatter areas in urban districts, poor households in the rural areas, orphanages, children in public schools and feeding clinics run by both public and private agencies.  Since we started distributing these food items two years ago, we have reached around 20,000 beneficiaries, equal to the number of pieces donated by Starbucks so far from November 2019 onwards." said by Chairman Dr. Bernardo "Bernie" Villegas Foundation Header of PFBF.

With the success of their pilot run, Starbucks continues the partnership with the PFBF and has recently rolled out the initiative to 13 more stores in Southern Metro Manila including Las Piñas City, Muntinlupa City, and Parañaque City.

“We’ve always believed in using our scale for good and giving back to the communities we are a part of. For years, we have been donating our unsold pastries to the communities near our branches and now we plan to extend our aid further with the help of other organizations who share the same values as ours” shared Noey Lopez, president of Starbucks Philippines 

The FoodShare program is one of the many steps Starbucks is taking to fulfill its mission of inspiring and nurturing the human spirit – one person, one cup, and one community at a time.