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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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Hamilo Coast and WWF: partners in eco-tourism and sustainability



Hamilo Coast embraces sustainable tourism at the core of its philosophy and shows how beautiful beachfront homes can harmonize with nature and the environment.


Hamilo Coast, the premier beach resort town in Nasugbu, Batangas, maybe the weekend haven of the country’s affluent set, yet it is on track as a thriving model of sustainable eco-tourism practices.


Touting 5,800 hectares of prime seaside development, Hamilo Coast is a project of SM Prime’s Costa Del Hamilo, Inc. (CDHI), which carefully integrates residential, resort, leisure, commercial, and institutional land uses in the sprawling estate. But beyond its vast scope and stunning vistas, Hamilo Coast embraces sustainable tourism at the core of its philosophy and shows how beautiful beachfront homes can harmonize with nature and the environment.


2022 marks Hamilo Coast’s 15th year of productive partnership with the conservation group World Wide Fund for Nature Philippines (WWF). Hamilo Coast and WWF have been working together on key areas for sustainability—coastal resource management, ridge-to-reef management, solid waste management, mangrove reforestation, the use of renewable energy sources, and environmental awareness.

This long-standing collaboration with WWF signifies Hamilo Coast’s determination to pursue eco-tourism and sustainability while upholding international standards for leisure property development.


Ms. Imee G. Francisco, Vice President and Head of CDHI Projects and Operations, takes pride in the partnership’s objectives. “More than building and maintaining a beautiful community, we seek to create and sustain a world that future generations can enjoy. To help serve this end, CDHI continues to develop Hamilo Coast without compromising the quality of wildlife living around it.”


This year, Hamilo Coast and WWF will focus on addressing the major components of waste management, which include the assessment of solid waste, water, and wastewater management practices, formulation of the environmental management plan, and the promotion of foodshed farming systems. Apart from these, Hamilo Coast and WWF will continuously work on programs that will help conserve, protect, and nurture the environment.


For one, Hamilo Coast and WWF’s Ridge to Reef program declared three of Hamilo Coast’s 13 coves–Pico de Loro, Etayo, and Santelmo–as Marine Protected Areas (MPAs). These are coastal zones where human activities are strictly regulated to ensure their long-term conservation. Declaring more MPAs would also mean expanding Hamilo Coast’s scope in safeguarding more marine ecosystems and resources.

Santelmo Cove was among those declared as a Marine Protected Area (MPA) regarded as a coastal zone where human activities are strictly regulated to ensure their long-term conservation.

Hamilo Coast also continues to implement a mangrove reforestation program in its 24-hectare mangrove belt—one of the largest in Nasugbu. Here, Hamilo has planted 50,000 propagules hand-in-hand with World Wide Fund for Nature (WWF) Philippines.

Mangroves are the first line of defense for coastal communities, stabilizing shorelines by averting erosion and providing natural barriers to storm surges, flooding, and hurricanes. As effective carbon storage, mangroves absorb six times more carbon than mature tropical forests, making it all the more vital in slowing down the effects of climate change.

Finally, Hamilo Coast and WWF will further push for environmental awareness by celebrating occasions that show respect for biodiversity. One is the annually held Earth Hour, during which time people are urged to shut down electricity to make a substantial difference in energy consumption. Individuals, organizations, and establishments also come together on Coral Triangle Day to shed light on ocean conservation and the ways we can protect and preserve the world’s epicenter of marine biodiversity.

Likewise, the development boasts the largest volunteer effort for the ocean’s health, made possible with the International Coastal Cleanup, where people gather on the Pico and Santelmo beaches to collect trash and record information on the collected debris.

For all these sustained efforts, WWF has awarded Hamilo Coast with the Longest Sustainability Partner Award, recognizing the development’s commitment to sustainable tourism and its positive impact on the Philippine tourism industry.

Francisco affirms, “CDHI is proud of how far we have come at Hamilo Coast with the help of WWF. This inspires us to do, even more, hoping that our efforts will make it possible for future generations to witness the beauty of nature as we see it today.”
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Sinag Schools program powers up school in Batangas

SM Foundation and Maxeon Solar Technologies formally held the community launch of the Sinag Schools Program at Lemery Pilot Elementary School in Batangas.



SM Foundation (SMFI), the corporate social responsibility arm of the SM group, together with Maxeon Solar Technologies, recently powered up the Lemery Pilot Elementary School (LPES) in Batangas through the Sinag Schools program.

This social good collaboration between SMFI and Maxeon aims to provide clean and renewable energy to schools in grassroots communities by installing solar panels on an SM school building, especially to those that have low operating expenses.

In addition to the solar panel installation which intends to power positive change in the way energy is consumed in public schools, the program also aims to enhance the understanding of students in terms of energy management and the need to transition to cleaner energy alternatives with lower environmental impacts.

“Through this program, we want to power up the learning and development of young people. We want to help teach young people about solar energy, about renewable energy. We want to power up the next generation to help save our planet,” Maxeon Fab4 General Manager Glenn Everett said.

The SM school building at the LPES, which was donated by SMFI in partnership with SM Prime Holdings (SMPH) in 2017, now boasts 21 solar panels—estimated to produce 6510 watt-p. With the savings on electricity, the school may realign their budget to more efforts and other innovations that will give the students an environment more conducive to learning.
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SM Prime and AboitizPower Secure Long-Term Cleanergy Deal

 

(From left to right) SM Prime Energy Consultant Jaime Patinio, AboitizPower Senior Vice President for Commercial Operations Sandro Aboitiz, SM Engineering, Design and Development President Hans Sy, Jr., SM Prime President Jeffrey Lim, AboitizPower President, and Chief Executive Officer Emmanuel Rubio, Aboitiz Renewables, Inc. Vice President for Commercial Strategy, Sales, and Engagement David Aboitiz, AboitizPower Vice President for Retail - Commercial Operations Business Unit James Byron Yu, and SM Prime Chief Finance Officer John Nai Peng Ong gather for a luncheon on Thursday, August 4, after sealing a long-term partnership with the commitment to helping build a cleaner and brighter future. 



SM Prime Holdings, Inc. (SM Prime), one of the leading property developers in Southeast Asia, secures a long-term deal with AboitizPower for Cleanergy supply, realizing its goal of increasing its renewable energy portfolio to more than 50%. This is in support of the Department of Energy’s program of moving up the renewable energy supply component of the country to 35% by the year 2030.

Under the agreement, AboitizPower is poised to supply reliable and responsibly-sourced energy from Tiwi and MakBan Geothermal Power Plants, and PV Sinag’s Power Plants, operated and managed by AboitizPower subsidiary, Aboitiz Renewables, Inc. (ARI). This long-term contract will power SM Prime properties, including malls, leisure homes, offices, hotels, and other establishments under the Retail Competition and Open Access (RCOA) by the end of 2022.

“This partnership with AboitizPower is aligned with our unwavering commitment to being a catalyst for economic growth and steward of nature. We will continue providing world-class amenities within our sustainable lifestyle cities that have been beneficial and inspirational to millions of Filipinos,” said Jeffrey Lim, SM Prime Holdings Inc.’s President. 

SM Prime builds legacy communities based on its core sustainable pillars: Economy, People, Environment, and Community. It is dedicated to generating value sustainably through its diverse business segments.

“AboitizPower is thrilled to be SM Prime’s partner in building sustainable lifestyle cities. We thank SM Prime for trusting us to be their partner in their transition to clean and renewable energy. It is a privilege to be given the opportunity to power various SM Prime properties with our renewable assets” said Sandro Aboitiz, Senior Vice President of the Commercial Operations Business Unit. 

“We consider it a great milestone for our group to be in support of SM’s transition to renewable energy and are working to rapidly expand our renewable portfolio as the demand for Cleanergy grows. We have supported a growing number of corporations transitioning to clean and renewable energy and we are excited at the prospect of seeing a future where Cleanergy is the norm,” said David Aboitiz, Aboitiz Renewables, Inc. (ARI) Vice President for Commercial Strategy, Sales, and Engagement. 

The leading renewable energy provider plans to expand its Cleanergy portfolio in the next 10 years to support the government’s plans to boost the country's renewable energy industry. AboitizPower is targeting approximately 50:50 Cleanergy and thermal capacity mix by 2030.

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How much will tutoring cost parents?



If your child has weaknesses in the school curriculum, then you need to make up for these moments. This is important because children may have difficulty with the further learning process. The best solution in this situation is to hire a tutor who will help to present the material in the most appropriate way.

You want your child to learn math so you are looking for a proven program. for this, there is Singapore math where you don't need a tutor. Open the site and choose the right program. Get materials online and study them wherever you want. If you do not have the time or opportunity, you do not want or do not understand how to teach a child at home, then the best choice is a qualified tutor.

These are professional teachers with extensive experience who use an individual approach to the needs of each child. To understand if your child needs individual lessons, it is best to talk with his teachers. Together you can learn about his learning gaps and find the right tutor. Most often, extra lessons can be taken from your child's teacher. Less commonly, you may find it separately.

Learn more about choosing a tutor
If you definitely decide to find additional lessons for your child, then you need to choose the type of classes. There are three types of training: private classes, online tutors, and corporate tutoring centers. Children can work in groups or individually. Of course, all types and features of training have different costs. Many parents think that group lessons will be less effective than individual lessons. But this is not always the right idea. Experienced tutors can perfectly teach the material even to a small group of 3-7 children. But the choice of parents is often based not on the reputation of the teacher, but on the budget and lesson schedule. How to determine the budget and how to find the best value for money?

How much do parents have to pay for tutoring?
First of all, look at your family's income and expenses. Determine what amount will be acceptable for additional classes. It is also important to discuss the details of scheduling classes with the selected tutor. Have your child take a simple test to find out their level of knowledge and what learning gaps need to be addressed. The tutor will tell you how many lessons per week your child needs, what the material will be, and how long each lesson lasts. During the COVID-19 pandemic, many schoolchildren stopped learning so children switched to online lessons. This has led to the fact that the quality of education has decreased and the level of knowledge gained ha8s decreased. Parents preferred tutoring to make up for the lost material.

Typically, one hour of class can cost anywhere from $15 to $100. But there are also special government programs that provide free lessons for children from low-income families. You can also find online lessons where the price will be quite affordable. It is important to note that individual lessons are more expensive than group lessons. But children love to learn in small groups where they communicate and share emotions. Group classes are a great solution because your child will make new friends and be able to do homework together. Individual lessons will seem more boring to him. Talk to your child to find out what type of activities he enjoys. Choose multiple options together. The atmosphere and environment for learning are important for children, make sure the tutor is qualified and interesting.


There is no definite concept of how much you should pay for tutoring, what matters here is the quality of education and your financial capabilities. There are elite agencies that offer various lessons for children of different ages and different levels of training. There are also special programs that help parents get the necessary knowledge and then help the child with the lessons. For example, the Singapore Method of Learning Mathematics may seem difficult for children and parents. The Learning Center offers parents free classes to help their children with their homework. There are also other companies that will help with eSM tutoring. If you have moved and want to learn the language of a foreign country, then there are free schools at the embassy, ​​in most cases their classes are free. There are also free online lessons where novice teachers gain experience and reputation, so they start their careers with free lessons.


Conclusion
There are tutors who combine their services with child care. At a certain time, the teacher comes to your child, prepares a meal, helps with school lessons, and gives an extra hour to fill in gaps in his knowledge. Such classes may cost more, but you will be sure that your child has eaten and done his homework. Determine your financial possibilities and find the ideal tutor who will satisfy all your needs. It is not all expensive and inaccessible even for people with an average income. There are many offers where you can find something suitable for your wallet. Another issue is the desire of your child to receive additional lessons apart from the school curriculum.






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