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5 Easy Steps to Realize Your Dream Home

Buying a house might be a bit overwhelming, especially for first-timers, and it is not wrong to feel that way. After all, owning such property is both a great investment and a huge responsibility. Not to mention the fact that it is a daunting process that requires a lot of money, knowledge, and thorough research, among others. But among the many steps, where do you start?

Fret not because Lumina Homes got you covered with this 5-step Buyer's Guide by Lumina.

Project inquiry.
A good buyer is the one who asks. It is only understandable for every first-timer to have a lot of questions. Good thing the basic details about Lumina Home Properties are just a click away. Access information about your preferred property or house models at Lumina's website (www.lumina.com.ph) and even chat with a Lumina Expert using the chat button on the website should you need further assistance.

Site viewing.
This is probably one of the exciting parts of scouting your next home. Seeing the actual community you might be moving into, visiting those dressed-up units where you can draw inspiration when designing your new home, or just seeing for yourself if the place exudes a home vibe. Lumina understands this and offers a free site viewing with a Lumina expert to assist you.

A glimpse into one of Lumina’s established communities



Scan QR for a virtual tour of Lumina’s showcase area and bestselling home models


But if you have yet to set the date for your site viewing, make use of the 3D virtual tour of Lumina Homes Showcase Area (https://storage.net-fs.com/hosting/6413202/22/index.htm).

Reservation Application.
Once you're already set with the location and property that you wish to purchase, submitting the reservation application is the next step for you.

To go to Lumina Homes Online reservation portal, scan QR or go to https://onlinereservation.lumina.com.ph


Lumina makes it easier for homebuyers to make a reservation through Lumina Homes Online. It is an online portal where you can easily view and select your preferred block and lot, and settle the reservation fee through various payment channels such as credit or debit card, GCash, or over-the-counter. Upon successful application, you will receive an email confirmation that includes a link to Lumina Homes' Electronic Buyer's Information Sheet (EBIS), Electronic Quotation Sheet (EQS), and Electronic Reservation Agreement (ERA).

Marketing & Admin Briefing.
Lumina Homes is committed to providing quality service to all of its clients. After placing your reservation, an assigned Lumina Marketing and Admin Staff will be in touch with you for briefing, which includes information about the property you are set to buy, documentary requirements, step-by-step process prior to turning over of your Lumina Home, housing, and admin policies, and the project timeline.

Submission of Requirements.
After completing the briefing, you are only one step away from being a homeowner. The assigned Lumina expert will ask you to fill out some forms and submit documentary requirements within 30 days.

The list of documentary requirements varies and depends on two factors--employment status and financing options. Either way, Lumina Expert will be available to assist you with any further concerns.


Lumina Homes continuously evolves to accommodate the growing needs of its homeowners by providing digital real-estate solutions like virtual home tours and subdivision walkthroughs, online reservations, online appointment booking, and online payment options through digital wallets and digital banking in partnership with national bank players.

"Lumina Homes is committed to going beyond what is expected of an affordable housing community. We will maximize our developments' potential in providing our residents the quality home and life that they deserve," Estrellita Tan, Group Head of Lumina Homes said.

Start your homeowner journey at https://www.lumina.com.ph/property-listing.
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How To Ensure Your Kids Are Healthier And Happier

A healthy diet and plenty of exercises are essential for a child's growth and development, but did you know that there are other things you can do to help your kids be healthier? The following blog post will discuss tips on ensuring your children are as healthy as possible. Follow these tips, and you can be sure that your kids will be happier and healthier!



1) Make Sure They Get Enough Sleep
Children must get enough sleep to function properly. A lack of sleep can lead to moodiness, difficulty concentrating, and decreased energy levels. Therefore, ensure your child gets at least eight hours of sleep every night.

You can do a few things to help your child get enough sleep. First, establish a bedtime routine and stick to it as best as possible. This will help signal to your child's body that it's time to wind down for the night. You should also ensure their bedroom is dark and quiet so they can easily relax and fall asleep.

If your child is having trouble sleeping, talk to their pediatrician. There are many helpful resources available that can teach you how to deal with sleep problems in children.

2) Keep Your Home Clean
One of the best ways to keep your kids healthy is to clean your home. This means regular vacuuming, dusting, mopping floors, and cleaning surfaces. You should also make sure to wash bedding and towels frequently. If you have pets, be sure to groom them regularly and vacuum up any pet hair. In short, a clean home is a happy and healthy home.


Another way to ensure your kids are healthy is to keep your home free of pests. This means regular pest control and eyeing for any signs of pests. If you do spot a pest, be sure to call preventative pest control services immediately. Pest-free homes are not only healthier, but they're also happier.

3) Teach Them Good Hygiene Habits
One of the most important things you can do for your child's health is to teach them good hygiene habits. This includes washing their hands regularly, brushing their teeth twice a day, and showering or bathing daily. It's also important to teach kids about safe food handling, such as not touching food with their bare hands and cooking food properly.

You can help your child develop good hygiene habits by setting a good example yourself. For example, wash your own hands regularly, brush your teeth, and so on. You should also ensure that plenty of clean towels and washcloths are available for your child to use. Finally, don't forget to praise your child when they practice good hygiene! A little encouragement can go a long way.

In conclusion, there are many things you can do to ensure your kids are healthy. Of course, a healthy diet and plenty of exercises are essential, but you should also make sure your child is getting enough sleep, that your home is clean, and that they're practicing good hygiene habits. Follow these tips, and you can be sure that your kids will be happier and healthier!
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A Dozen Functional Additions To Your Backyard You Should Consider

Your backyard should be your oasis, a place where you can relax and enjoy the outdoors. But if your backyard is just a boring lawn, it might be time to consider adding some features to make it more enjoyable. Here are 10 functional additions to your backyard that you should consider.



1. A Fire Pit
A fire pit is a great way to enjoy the outdoors in your backyard. It can provide warmth on cool nights and can be used for cooking or roasting marshmallows. You can even use it as a centerpiece for outdoor parties and gatherings.

2. Outdoor Lighting
Outdoor lighting can transform your backyard into a beautiful and inviting space at night. You can use string lights, lanterns, or solar lights to add some extra light to your backyard. Additionally, to ensure safe and proper installation, consider enlisting professional St. Louis MO electrical services (or similar services elsewhere). A skilled expert will ensure your lighting is set up correctly, enhancing both the aesthetic appeal and safety of your outdoor space.

3. A Water Feature
A water feature, such as a fountain or pond, can add a touch of relaxation to your backyard. The sound of running water will help you forget about your busy day-to-day life and relax in your own backyard oasis.

4. A Swing Set or Playset
If you have kids, a swing set or playset is a great addition to your backyard. It will provide hours of fun for the kids and can even be used as a workout space for adults.

5. A Sandbox or Mud Pit
A sandbox or mud pit is perfect for kids who love to get dirty. It’s also a great way to keep them entertained while you’re working in the garden or grilling out.

6. A Hammock
A hammock is a great way to relax and enjoy the outdoors. You can install it between two trees or posts and just kick back and enjoy the fresh air.

7. A Gazebo or Pergola
A gazebo or pergola is a great addition to any backyard. It provides shade on hot days and can be used as a place to entertain guests or host outdoor parties.

8. A Greenhouse or Shed
If you love to garden, a greenhouse is a great addition to your backyard. It will provide a space for you to grow your own plants and vegetables, even in the winter. On the other hand, custom-built sheds are perfect for storing lawn and garden equipment or even setting up a workshop.

9. A Deck or Patio
A deck or patio is a great way to add some extra living space to your home. It’s the perfect place to entertain guests or just relax and enjoy the outdoors.

10. A Fence or Wall
If you want to increase privacy in your backyard, a fence or wall is a great addition. It will also help keep kids and pets safe while they’re playing in the yard.

11. A Playhouse
A playhouse is a great addition to any backyard. It’s the perfect place for kids to play pretend and use their imaginations.

12. An Outdoor Kitchen
If you love to cook outdoors, an outdoor kitchen is a must-have for your backyard. It will allow you to cook and entertain guests without having to go inside.


There You Go
These are just a few of the many functional additions you can make to your backyard. With a little bit of planning and creativity, you can transform your boring backyard into an oasis that you’ll never want to leave.
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Unexpected expense?

As I became older, I realized many vital things in our lives, including financial literacy. The first step to being stable in terms of finances is when you know how to manage, know your plans in life, and ways to save. Of course, this knowledge is better when we learned it in our younger years. Of course, if we knew all of the ways and tips about finances, then we could avoid having bad credit. 
It's tiring and makes us exhausted working 8 hours a day to make a living and provide for all our expenses, yet there is still not enough. We do extra work to have funds for emergencies and things are now becoming more expensive.

My top responsibility as a parent is to make sure that my children have all they need, yet doing so can be incredibly expensive. As a result, taking charge right away is crucial. To be honest, it's challenging to provide because there are times when members of the family encounter unexpected expenses. Realizing where you stand financially enables you to seek any short-term relief or additional help that is actually needed.  Money isn't everything, and no parent wants to take on more debt. Nevertheless, finances aren't everything. Providing your child with a happy upbringing is the most rewarding thing you can do in life. If this form of assistance allows you to do it, that’s great.

Taking loans can become a habit at times, which is why creditloan.com cash advances are so beneficial to people like us as they are made to fit our needs, trying to assist us in understanding and educating ourselves financially. Because, as I stated previously, it is important that we are financially literate.
It's great that they've been explaining the terms and conditions, how it works, fees, and if there's a better alternative option that better suits our capabilities in a way that we understand. We cannot predict emergencies or unexpected expenses, which is why I consider it essential to know and learn about lenders that offer cash advances, and also how to calculate fees and compare since we never know when we will need cash, therefore it is best to be prepared. Borrowing is not simple, and we really do not want to be in debt and have a bad credit score.

If you need a cash advance soon, read these:

Purpose 
Think of your purpose, I hope it is for emergencies. Think again. 

T&C
This is the most essential for you to understand how much you'll receive, pay, and interest on.
Learn to compute.

Be responsible
Pay your loans and bills on time to avoid penalties. Always set aside a portion of your income for your obligations.

Remember that some lenders offer promotions and other perks in every transaction; take advantage of these when borrowing cash advances.


Finally, begin keeping track of all your expenses. Actually, I keep all receipts from small to large online and in-store purchases. It keeps track of our monthly spending and enables me to easily see price changes. It's not an overnight saving but it's a good start. 



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