5 Ways to Protect the Future You’ve Built for Your Family Lay the foundation for their future, and go beyond it

The future is made of the small, everyday decisions that shape the kind of life you’ve envisioned for the people you love. 

Starting a family? Scrimp and save to build your dream home. Striving to send your children to the best schools? Work hard at your day job and… your “rakets.” Planning to leave a legacy to your children and grandchildren? Wisely invest your earnings. 

But don’t stop there because things don’t always go as planned. Jobs are lost. Unexpected expenses crop up. Not all investments pan out. It’s not enough to just build a future, you have to make sure that your loved ones get to enjoy it, too, in the future. 

How to do that? Here are five easy ways to ensure that all your  hard work will not go in vain, no matter what! 

Set up an emergency fund 

Don’t let life’s unwelcome surprises—a major home repair, a health emergency, or worse, unemployment—throw you off guard. Make sure you have an emergency fund saved up that is at least 3 to 6 months’ worth of your living expenses. How to compute? Add up your expenses for a month (Don’t forget to include the monthly equivalent of your annual expense like school tuition, insurance premiums, taxes, etc.) and multiply it to three months (or up to six months). That’s how much money you should have, kept, right now! This is your financial safety net when the need arises.  

Pay your debts

Avoid debt at all cost! But if you have to have debt, prioritize paying them. If you don’t, all your mortgage, car loans, and other debts will be your loved ones’ burden. Yup, there’s no escaping them. And remember, don’t just pay the minimum. Pay in full and on time. Don’t let money that could have gone to your retirement fund or your kid’s educational fund just go to interest payments. 

Protect what you built

Don’t let uncertainties take away the things you worked hard for. Whether it’s the house that you’ve taken a loan for or the college education that you’ve been saving up for, make sure your family will get to enjoy the fruits of your labor! Insurance plans like Set for Tomorrow protect what you have built so you don’t have to worry about your family losing what you’ve worked for. This new product from pan-Asian insurer FWD Life Insurance Philippines has three affordable variants: Short Term Cover for your loans and financial obligations; Income Protector for your family’s living expenses and your children’s education; and Estate Protector for smooth transfer of wealth to your heirs. Want to calculate how much it’ll take to ensure your family’s better tomorrow, no matter what? Visit FWD’s calculator, CALI at http://bit.ly/SetforTomorrow-Cali and get a quote! 

Develop new skills

From volunteering to manage a project to finding a mentor and attending seminars, developing new skills add value to your career and is crucial for your growth (and promotions)! Don’t be scared to veer away from your corporate comfort zone. Turning on and upgrading hobbies like baking, photography, blogging, etc. could mean new streams of income for you and your family. The possibilities are endless when you don’t stop learning!

Diversify your investments 

Remember the old adage “Don’t put all your eggs in one basket”? That’s investment diversification in a nutshell. Diversification is investing in different funds from different companies and industries so you don’t run the risk of losing all your money when one of your investments suffers. That way, the money you intend to grow for your family’s future needs are secure.  

Want to make sure your tomorrow is made better today? Visit http://bit.ly/IwanttogetSetforTomorrow.

Oradian Takes their Toolset Closer to Rural Banks Via Information Roadshow

Ivan Matić, Oradian’s Business Development Manager, presenting their flagship core-banking product, Instafin. Making operations more secure and seamless for the country’s Rural Banks was the focal point of Oradian’s recent roadshow which made a sweep through the provinces of Davao, Cebu, Cavite and Pampanga. The four-city tour delved into the theme “Banking Efficiency and Security Through Cloud Technology” and was attended by officials and representatives from some of the top rural banks like Guagua Rural Bank, BPI Savings, China Bank Savings, Rural Bank of Digos, First Tagum Rural Bank and PNB Savings.

Yarden Bilovich, Business Development Manager

Sharing their expertise during the conference were Rey Lugtu, a noted Digital Transformation Thought and Action Leader who talked about “Digital Transformation in Rural Banking”; Kay Lugtu, who specializes in digital forensics and cybersecurity, who tackled “Data Privacy in the Age of Cloud”; and Christopher Tan, an Advocate for Best Practice for Data Security and Protection, who discussed the shift “From Disk to Cloud”.

Rey Lugtu, one of the keynote speakers, talked about the Digital Transformation in Rural Bank.

Kay Lugtu, one of the keynote speakers, addressing one of the main concerns of the financial institutions: Data Privacy in the Era of Cloud

Each session was capped by a discussion and demonstration of Oradian’s cloud toolset, which was designed not only for rural banks but also for microfinance institutions and cooperatives. Yarden Bilovich, Business Development Manager of Oradian says: “Our goal is to empower these entities, so they can keep up with the demands of digital transformation. By providing them with a secure and efficient toolset that combines big data and fast computing technology, Oradian hopes to ease the way these entities go about their day to day operations. In turn, we are confident that these organizations can take better care of the markets who rely heavily on them”.

Bringing Your Story to Life

GoPro shares tips on how to make your shots extraordinary

Before you start shooting, think about the story you want to tell. How will you show your audience where you’re at, what you’re getting up to, and how the adventure ends? This saves editing time and helps you craft a more powerful story. 

GoPro, the leading action camera brand, shares some tips on how to make your content more exciting and interesting in achieving #FeedGoals. 

1. SET THE SCENE

Let your friends know where you are—a wide static shot or location sign always works well. Show yourself gearing up, or take a time lapse of the backdrop to build excitement and set the scene. 

2. CHARACTERS + MISSION 

Who are the HEROES of your story, and what are they setting out to do? Capture moments that reveal personalities and allude to the adventure. 

3. CAPTURE THE ACTION 

Experiment with different mounts and perspectives to tell your story. Be sure to mix in body- or gear-mounted POV footage along with more traditional shots. 

4. THE PAYOFF  

If you just did something epic, show off those celebratory hugs and Hi5s. Or maybe things didn’t go so well – how would the crew react? Let the cameras roll as you pack it up and head back home as you post your captured moments on social media. 

Don’t forget to share your fun stories using the #GoProPH hashtag. For more information about GoPro, visit https://www.gopro.com 

Don’t forget to share your fun stories through the #GoProPH hashtag. For more information about GoPro HERO 6, and accessories, please visit https://www.gopro.com

Island Rose Offers Lower Rates in All LBC Branches this October!

Flowers are gifts that warm the heart, no matter the day or occasion. This is why LBC is giving customers a chance to show loved ones how much they care by giving special discounts when they purchase from their partner Island Rose.

Under the promo,  Island Rose will offer a 12% discount for every order of 3 stem, 6 stem, 1 dozen and 2 dozens red rose arrangements from October 1-31, 2018.

With the special discount, a 3 stem rose is now priced at P704; a 6 stem rose is at P1,012; 1 dozen is now at 1,830; and 2 dozen now costs only P2,596.

In enhancing their offerings in all LBC branches nationwide,  Island Rose wants to remind customers that gifting flowers is not only limited to  Valentine’s Day and Mother’s Day – and are the perfect tokens during  birthdays, anniversaries and graduation and even, during ordinary days when one just needs to send their love and thoughts to someone they hold dear.

So make someone feel special by giving them any of island Rose’s special flower arrangements.  Visit any of LBC’s hundreds of branches today!

ABOUT LBC

LBC is the Philippines’ market leader in retail and corporate courier & cargo, money remittance, and logistics services. With a growing network of over 6,400 branches, hubs & warehouses, partners, and agents in over 30 countries, LBC is committed to moving lives, businesses, and communities and delivering smiles around the world. Listed in the Philippine Stock Exchange through LBC Express Holdings, Inc., LBC aims to deliver value to all of its stakeholders, as it has for over 60 years.  Founded in 1945 as a brokerage and air cargo agent, LBC pioneered time-sensitive cargo delivery and 24-hour door-to-door delivery in the Philippines. Today, it is the most trusted logistics brand of the Global Filipino. LBC can move it for you: visit www.LBCexpress.com, or call telephone +632 8585 999 (Metro Manila), 1 800 10 8585 999 (Provincial), +632 9086 522 (Solutions) and follow LBCExpress (Facebook and Twitter).

1

The 55th PMAP Annual Conference

The People Management Association of the Philippines (PMAP) brings this year’s most exciting Annual Conference to date, the 55th Annual Conference on October 10-12, 2018 at the ASEAN Convention Center, CSEZ, Clarkfield, Pampanga. This full, trailblazing 3-day conference will gather some of the best minds and thought leaders in people management globally.

The amount of disruption expected in the next few years is daunting, relentless and coming quickly. The next 5 to 10 years will drive more change than the previous 50. As traditional businesses adapt to the realities of the new digital age – speedy time to market, intelligently enhanced everything, relevant and bespoke experiences – the implications for people management have been profound.  It is no exaggeration to say that the core differentiator for a successful organization today rests on its readiness.

With this as the foreground, this year’s theme is on point: FOCUS! Each of the letters in the word FOCUS stands for an element that will be covered in this year’s Annual Conference:

F – Future

Driven by accelerating connectivity, new talent frameworks, and cognitive tools, future of work is evolving rapidly; thus the entry of the gig economy, artificial intelligence and robotics, among others.

O – Outside In

We must have an outside-in / design thinking mind to reconsider how jobs and organization culture are created and designed; and adapt and learn quickly for future growth.

C – Collaboration

HR should be customer-centric – driving strategic business objectives and enhancing business performance by collaborating with leaders and the business, applying increased agility, flexibility, networking and alignment.

U – Unison

HR should champion unity of purpose and vision – ensuring singular cadence and momentum from different stakeholders to ensure organization success.

S -  Sustainability

Responding to stakeholder expectations will inevitably re-calibrate our business to include meaningful impacts, such as how responsibly we use resources today, how adequately we respond to issues like climate change, how we innovate as consumer behavior continues to shift towards emerging trends on health and wellness, and how accountable we are as an organization.

The 5 Plenary Sessions will tackle each of the elements and will be in different formats: panel discussions / presentations:

PLENARY 1: (F of FOCUS – Future) - Decoding the New Work Order: How Do We Win?

PLENARY 2: (O of FOCUS - Outside-in) - Blueprint of Tomorrowland: Will Our Organizations Thrive?

PLENARY 3: (C of FOCUS – Collaboration) - Digital Transformation: Key Enabler for better Workplace Collaboration

PLENARY 4: (U of FOCUS – Unison) - Championing Humanity Amidst Transformational Changes

PLENARY 5: (S of FOCUS – Sustainability) - Sustainability Agenda: The New Organization Imperative

The 15 Concurrent Sessions will tackle a variety of topics that will again focus on the 5 elements. Some topics to be covered: Face-Off: Human vs Robot, an interactive play with Modern Machines; Anatomy of Creative Courage: Designing Employee Experience (EX); Blockchain, bitcoins and the Currency of the Future; Solving Workplace Puzzles through Action Learning; Deciphering the Ultimate Filipino Worker; Writeshop on Total Rewards towards Gig Economy, among others.

On top of these sessions, we are again offering an exciting PMAP Expo; we are introducing the Idea Marketplace on the first night; and will be showcasing a bigger PMAP Awards Ceremonies on the second night, among others.

For more details about PMAP Annual Conference 2018, please visit www.annual-conference.pmag.org.ph or contact Rhona Bagarinao rhona.bagarinao@pmap.org.ph  726-1532 local 309 and Carol Alcances carol.alcances@pmap.org.ph 726-1532 local 322.