Wednesday, November 30, 2022

Galing Pook Foundation Recognizes Outstanding Local Government Programs for 2022


President Ferdinand Marcos, Jr. recognizes the 10 winners of the Galing Pook Foundation 2022 at the Ceremonial Hall of Malacanang Palace. He commended the Galing Pook Foundation for recognizing and incentivizing top performing LGUs. With them in the photo are: Galing Pook Foundation chairman Mel Sarmiento, Local Government secretary Benjamin Abalos, Senate President Juan Miguel Zubiri. 

Ten outstanding local governance programs were recognized in the 2022 Galing Pook Awards held at the Ceremonial Hall of Malacanang Palace last Tuesday, November 22, 2022.

Galing Pook Foundation with its co-presenters SM Prime Holdings Inc., and the DILG-Local Government Academy, and sponsors Cebu Pacific and Airspeed named local government units from Luzon, Visayas, and Mindanao that promote innovation and excellence.

President Ferdinand Marcos Jr. commended the Galing Pook Foundation for recognizing and incentivizing top performing LGUs. He stressed how strong collaboration between the public and private sector can lead to more meaningful and successful programs that truly benefit the Filipino people.

“The recognition that you give to cities and municipalities inspires them to accelerate their drive towards improvement and it encourages LGUs to adopt practices that make us paragons of excellence in public service. It is necessary for us to underscore the importance of strengthening partnerships between the government and private organizations, such as the Galing Pook Foundation, especially as we bring about meaningful progress in the country.”

Galing Pook Chairperson Mel Sarmiento expressed his gratitude to all the local executives and LGU teams that participated this year: “It’s truly inspiring to see the impact of the work that you do, and I’m sure you’ve brought value to many Filipinos all over the country. Our collaborations bring us closer to realizing our shared vision, na ang bawat pamilyang Pilipino, may simple pero kumportableng buhay.”

The winners of the 2022 Galing Pook Awards were: The Green Wall of Alcala (Alcala, Cagayan); Advancing and Sustaining Good Governance and Community Actions towards Resiliency and Empowerment (Basilan Province); Bataan Public-Private Partnership Programs (Bataan Province); Balik-Biñan Project: Tourism Development through Heritage Conservation (Biñan City, Laguna); From Black to Green: Fishponds, Eco-Tourism and Full Employment (Brgy. Cayabu, Tanay, Rizal); Trekking to Unlock Community Ailments and Difficulties (TUCAD) (Goa, Camarines Sur); “I-BIKE” A Program Promoting the Development of the Iloilo City Bike Culture (Iloilo City); Yaru: A Whole-of-Community Approach Towards Disaster Management (Itbayat, Batanes); Libertad Fish Forever Savings Club (Libertad, Antique); and Basta Piddigueño, AgriHenyo: Consolidated Farm Production System (Piddig, Ilocos Norte).

The 10 winners were chosen from 18 finalists and a record field of 196 applications from different LGUs in the country.

Launched on October 21, 1993, the Galing Pook Awards has recognized 329 LGU programs from 200 LGUs in the country that have been promoted for replication to benefit more communities.

Grapes for the holidays and for good health

Grapes are a big part of my childhood.

My mom would buy a lot of grapes to go with her homemade fruit salad, especially during Christmas. Then she would hang some of them on our windows and doors for prosperity for the coming year. This was according to tradition and there was no harm in doing so, she added.

Now that I'm an adult, I continue to carry on that tradition. Grapes are ALWAYS present during the holiday season, though I prefer to enjoy them fresh and not hang them for the critters to feast on, hehe. Prosperity follows if you have a happy and healthy life. Eat them grapes! 

My family LOVES grapes. They’re a staple in our household even after the holidays. Grapes also keep us and the kids energized and hydrated. Snacking on them has become a habit.

We particularly enjoy Grapes from California. Oh my, THEY ARE GOOD! The best grapes we have ever tasted. We’ve tried other grapes, but Grapes from California are on a league of their own: super sweet, fresh, firm, plump, and juicy!

Fact check time! I found out that 99% of table grapes grown in the United States come from California (kudos to the Golden State!) and that they have been cultivating them for more than two centuries. They are in season from May to January (mark your calendars!) and that there are more than 80 varieties grown in three colors (red, green, and black) in seeded and seedless options (both are equally yummy).

As a mom, I’m so glad I don’t have to force my kids to eat grapes. They’re one of the few fruits that they actually ask for! The nutrients in grapes help support the cardiovascular and immune systems, as well as help maintain a healthy brain, colon, and skin. What more can you ask for?

I enjoy making yummy charcuterie for my family and friends. Of course, there should always be grapes on the board! No need to cut, slice, and peel.  They offer the perfect balance of sweet and tart, and a juicy burst of flavor. Grapes also pair well with many foods and drinks. So versatile!

I keep my board simple. You can customize it and include other cured meats, cheeses, nuts, fruits, crackers, jellies, and jams. Check your pantry and fridge before heading to the store, I’m pretty sure you’ll find something delicious you can use!

For more information on Grapes from California, visit or like and follow them on Instagram @grapesfromca and Facebook @GrapesFromCalifornia.

Tuesday, November 29, 2022

SM provides learners with environment conducive to learning

SM school building in Sorsogon City

More than just an area where students gather to hold classes, a school environment plays a vital role in learners’ cognitive development. Research has shown that with an environment conducive to learning, students increase their attention and focus, and they are more motivated to practice higher-level critical thinking skills.

Adamant to provide students with venues where they can fully hone their skills and knowledge, SM Foundation (SMFI)—the corporate social responsibility arm of the SM group—cemented its partnership with the Department of Education (DepED) in 2002 through DepEd’s Adopt-A-School Program.

Through this, SMFI builds SM school buildings in grassroot communities, complete with basic furniture and equipment. More so, SMFI integrates specialized features to each SM school building to address the unique needs of their school recipients—some received rooms dedicated as a guidance office, a clinic, a mini-library, and some even got a water tank and a handwashing facility.

To date, SMFI has turned over more than 100 SM school buildings nationwide with the help of its partners, which share the same aspirations for the Filipino learners and teachers. One of which is the SM Prime Holdings (SMPH) - one of the largest integrated property developers in Southeast Asia. Since the project’s inception, over 90 SM school buildings out of the more than 100 were built through the social good collaboration with SM Prime.

Green space which promotes environmental consciousness.

Infrastructure for calamity prone areas

SMFI and SMPH ensure that the SM school buildings incorporate a disaster resilient design to guarantee the safety of the students, teachers, and other school personnel. Emergency lights at both staircases, and fire and earthquake alarm bells are also installed.

Principal Joji Buelvo, school principal of Basud Elementary School (BES) in Sorsogon City, shared the state of their school community before they accepted the fully furnished SM school building from SMFI and SM Prime in 2021: “Ang aming paaralan ay saksi sa maraming kalamidad. Kaya karamihan ng mga classrooms ay may kalumaan na, ang mga kisame ay malapit na bumagsak—talagang hindi na conducive for learning.” 

“But through your [SMFI and SM Prime] donation, our BES learners now have a haven where we can nurture their young minds to be academically-ready and well-rounded members of the community,” Buelvo further expressed.

Every classroom in an SM school building is well-ventilated and spacious enough to allow the students to have a better learning experience.

Addressing classroom shortage

The continuous rapid growth of the country’s population is taking a toll on schools—leaving the students, even the teachers, with overcrowded classrooms which affect learners’ academic performance. 

In 2012, the Banisil National High School (BNHS) in General Santos City received its first SM school building. But being the only secondary school in Barangay Tambler, BNHS records a significant increase in their enrollment per year. With this challenge, SM Foundation decided to provide another edifice of hope for the sub-urban Muslim community in 2021, addressing the growing needs of BNHS learners and teachers.

SM School building in General Santos City

BNHS then principal Shiela Balbon said, “Yung patuloy na paglobo ng population every year ay talagang naging suliranin namin.”

“Pagpasok ng 2020, nagkaroon ng COVID. So naisip ko baka hindi na matuloy. Pero itong SM Foundation, walang pande-pandemya sa kanila. Talagang desidido silang matugunan yung pangangailangan sa classroom ng mga estudyante,” she added.

“Our salute to our longtime partner, SM Foundation and SM Prime, for being so generous and proactive in providing us with school buildings that are conducive to learning. We are so grateful for your extended support to our school amidst the pandemic,” Balbon concluded.

SM Foundation, through its School Building Program, is an active partner of DepEd’s Adopt-a-School project. This social good initiative aims to promote quality public education by building classrooms nationwide.

Friday, November 25, 2022

BDO Network Bank sa Malalag, Davao del Sur bukas at ready to serve na!

Excited na inabangan ang pagbubukas ng BDO Network Bank branch sa bayan ng Malalag, Davao del Sur dahil may malapit ng bangko at ATM na mapupuntahan ang Malalagueños para sa kanilang financial needs.  

Dahil sa pagbubukas ng BDO Network Bank sa Malalag, sinabi ni Municipal Vice Mayor Ervin S. Emphasis na abot-kamay na ngayon ang banking products at services tulad ng savings/deposit account, MSME loan, Salary loan at iba pa sa kanyang mga kababayan na malaking tulong sa kanilang pag-asenso. 

Mabibigyan din ng oportunidad ang MSMEs na mapalago at mapalaki pa ang kanilang negosyo na makakatulong sa pagbubukas ng mas maraming trabaho para sa Malalagueños.  

Ang BDO Network Bank sa Malalag ang pang-labinlimang branch ng bangko sa buong Davao del Sur. Layunin ng BDO Network Bank, ang community bank ng BDO Unibank, na maabot at mabigyan ang mga mangingisda, minero, at magsasaka ng oportunidad na umunlad ang kanilang kabuhayan at guminhawa ang buhay.

About BDO Network Bank

Formerly known as One Network Bank, Inc. (ONB), BDO Network Bank operates as a subsidiary of BDO Unibank, Inc., the largest bank in the Philippines.

The Bank’s network of more than 300 branches and over 280 automated teller machines, most of which are in countryside Mindanao, is complemented by access to BDO’s nationwide network of more than 1,000 branches and over 3,500 ATMs nationwide.

The corporate governance practices of the Bank are consistent with that of its Parent Bank: fairness, accountability, transparency, integrity, and performance.

With the support and guidance of its parent bank, BDO Network Bank aims to provide more innovative and convenient banking solutions to its growing customer base.

BDO Network Bank, Inc. is regulated by the Bangko Sentral ng Pilipinas : Tel. (02) 8708-7087; Email:

Member: PDIC. Maximum Deposit Insurance for Each Depositor P500,000

For account-related concerns, please visit your branch of account or contact us at the following:

Power Mac Center launches ‘Presence and Presents’ holiday campaign

Exciting deals, short film competition are on; new iPhone 14 and other prizes up for grabs

This holiday season, Power Mac Center (PMC) is inviting everyone to celebrate by making time for the people they treasure the most. Because showing up means showing love, the Apple Premium Reseller supports customers by launching its holiday promos and a special short film competition, wherein it will be giving away a brand-new iPhone 14 and more.

“Presence is the best present this Christmas—perhaps even more than any other occasion. This is the time when people are collectively feeling lighter, merrier, and more hopeful about their dreams. And so, we are honoring the best of the season by celebrating the stories of togetherness that are uniquely ours, as well as offering our customers great deals on Apple devices and accessories to gift themselves or their loved ones with,” said Joey Alvarez, PMC Director of Product Management and Marketing.

With the theme “Presence and Presents,” PMC’s holiday special has three parts: Unwrap Moments holds a short film competition highlighting the power of the iPhone camera; Unwrap Dreams features a special selection of holiday deals on Apple and non-Apple products; and Unwrap Treats rewards loyal customers via an exclusive deal for 1 Infinite Access members.

Moments: Capture the joy of togetherness, win an iPhone 14

The short film competition is open to everyone in the Philippines who are at least 18 years old. Participants should use an iPhone to create a short film that captures the joy of togetherness for the holiday season. The entry should be able to answer the question “Why is presence the best present for Christmas?”

Shortlisted entries will be judged by PMC representatives and two of the most sought-after Filipino filmmakers, namely, Antoinette Jadaone and JP Habac. Prizes up for grabs include an iPhone 14 128GB worth P61,990 for the Best Film (Grand Winner); iPad Air 5th gen 64GB worth P41,490 for the Best Film (1st Runner-Up); AirPods 3rd gen worth P12,990 for the Best Film (2nd Runner-Up); P5,000 worth of 1 Infinite Access points for the People’s Choice Special Award winner; and P10,000 worth of products each from partners Adam Elements, Energea, and Logitech for three special awardees. 

Submission of entries is until December 20, 2022 at 11:59 PM. For full details, visit

Dreams: Bring home Apple devices and more 

PMC is offering huge deals bundled with your Apple device purchases. Until December 31, 2022, customers can enjoy up to 25% off on select premium iPhone cases and screen protectors when purchased with any participating iPhone 14 and iPhone 14 Plus. Meanwhile, those buying iPhone 12 and iPhone 13 can score up to P2,000 worth of store credits which can be used to buy any available Apple or non-Apple accessories at all PMC and The Loop stores, as well as the Viber Store. Hurry, because this offer is good only until supplies last.

PMC’s participating premium partner brands are also slashing their prices up to a whopping 95% off on chargers, earphones, speakers, storage devices, and more. This offer is available at all PMC and The Loop stores, the Web Store at <>, Viber Store, and The Loop by Power Mac Center on Lazada and Shopee.

Treats: Loyalty pays off 

Members of PMC’s loyalty program 1 Infinite Access can get an additional 10% off and enjoy up to 95% savings on participating premium accessories at all PMC and The Loop stores.

All offers are valid on purchases paid via non-installment methods: cash, straight credit card, debit card, bank transfer, check, GCash, GrabPay, WeChat, AliPay, Maya, Hello Money, UnionPay, BDO Pay, ShopeePay, QRPH, Power Mac Center eGift Certificate, Home Credit with Interest, UpTrade trade-in value, BillEase, and 1 Infinite Access Points (1 point = P1).

Stay tuned at for the full campaign details. To be updated on news and promotions, follow Power Mac Center’s official Facebook, Instagram, Twitter, TikTok, and YouTube accounts. Per DTI Fair Trade Permit No. FTEB-154448 Series of 2022.

BDO Trust Recognized as The Asset Management Company of the Year for 5 Consecutive Years

BDO Trust and Investments Group (BDO Trust) wins the Asset Management Award for the 5th straight year at The Asset Triple A Sustainable Investing Awards. 

BDO Trust continues to demonstrate its leadership in product and service innovation through constant improvements on its investment offerings such as the BDO Pension 360, a new take on corporate pension fund management.  Known as an industry first, BDO Pension 360 is a comprehensive corporate retirement plan solution designed to help companies fulfill retirement benefit obligations efficiently while encouraging loyalty from employees and improving their talent recruitment and retention outcomes. Another newly created product is BDO Money Manager, designed to help retail clients develop a well-diversified portfolio to reach their long term investment goals.  Enhancements are also being carried out to enable customers have full mobile access on BDO UITF (Unit Investment Trust Funds) and PERA (Personal Equity and Retirement Account), with BDO Easy Investment Plan (EIP) capabilities for all UITF products, and a full-service Invest Online functionality for smoother transactions.

These technology-driven initiatives aim to give customers an easy and accessible investment platform which also supports BDO’s sustainability efforts in reducing carbon footprint. While BDO Invest Online and BDO Mobile Banking offer convenience, BDO Trust continues to leverage on BDO’s vast network and reach with more than 1,500 branches nationwide.

“Our clients are at the center of what we do and we consistently find ways to achieve their business goals. I am truly proud of my diligent and persevering team who continues to deliver for the past 5 years and enhance customer journeys,” said Rafael G. Ayuste Jr., Senior Vice President and Head of BDO Trust.

The Asset Triple A Awards recognize companies that have established a comprehensive platform for investing across various asset classes and servicing the needs of institutional, corporate and retail clients. They have consistently shown exceptional performance and set the tone for innovation and industry practice including ESG (environmental, social and governance) integration. The Asset Awards judges use highly stringent criteria which include client feedback, testimonials and information gathered during the review period.  Whenever possible, The Asset editorial team also conducts confidential teleconferences and meetings with clients.
Apart from The Asset Awards, BDO Trust has received multiple recognitions internationally from various prestigious publications such as Alpha Southeast Asia Awards, Reader’s Digest Asia, World Finance and Asian Banking & Finance.

Mr. Rafael G. Ayuste Jr., Senior Vice President and Head of BDO Trust holding BDO’s The Asset Management Company of the Year Award.

About BDO Trust and Investments Group

BDO Trust and Investments Group (BDO Trust) offers a wide range of products and services which include Unit Investment Trust Funds (UITFs), Easy Investment Plan (EIP), Investment Management and Trust Accounts, and PERA.

BDO Trust has received multiple recognitions internationally from various prestigious publications as Best Asset Management Company in the Philippines.

Unit Investment Trust Funds (UITFs) are trust products and not deposit accounts. They are not insured by the Philippine Deposit Insurance Corporation (PDIC). Returns and principal protection are not guaranteed and any income or loss is for your account. Benefits, features, fees, and risks shall be disclosed to you prior to its sale. It is recommended that you read the plan rules or seek independent opinion before making an investment.

BDO Unibank is regulated by the Bangko Sentral ng Pilipinas with telephone no. (02) 8708-7087, email address, and webchat at

For inquiries or concerns, please call BDO Contact Center at (02) 8631-8000 or email for trust and investment products or services.

The BDO, BDO Unibank and other BDO-related trademarks are owned by BDO Unibank, Inc.

Henry Sy Foundation Inc. (HSFI) and UST seals partnership for Henry Sy Sr. Hall build up

Leaders of Henry Sy Foundation Inc. (HSFI), led by the Sy family Harley Sy, Hans Sy, Elizabeth Sy, Debbie Sy, Tessie Sy, Henry Sy Jr, Engr. Ramon Gil Macapagal, formalize its partnership with the University of Sto. Tomas Rector Fr. Richard Gaw Ang, OP, Dr. Ma. Lourdes Domingo, Fr. Angel Aparicio, OP, Fr. Maximo Gatela, OP

A new structure will soon rise on UST main campus in Manila to respond to the needs of digital medical education.

Pursuing its objective of driving Philippine social development by fostering the youth and the culture of excellence through education, the Henry Sy Foundation, Inc. (HSFI) recently inked a partnership with the University of Sto. Tomas (UST) Research and Endowment Foundation to construct a building that elevates health education in the country.

Named in honor of the late SM Founder, the Henry Sy, Sr. Hall of UST is a landmark for the Philippines' relentless push towards cutting edge medical innovation. It is expected to cater to the needs of digital medical education and help boost health education.

Designed by C.A. Ventura & Partners, the upcoming Henry Sy., Sr. Hall in UST is envisioned to propel the health education of future physicians in the country.

The Hall will feature technologically advanced facilities and equipment that complement UST’s teaching, learning, and research practices. It will also house the simulation and research facility of the UST Faculty of Medicine and Surgery (UST-FMS).

Paragons with passion

Fr. Richard Gaw Ang, OP, Rector of UST, thanked the Sy family as they work together to provide the best education to future physicians and increase UST’s research productivity to fill the gaps where communities are disadvantaged.

“Your family consists of industry leaders who have visions for the Filipino community. Your choice to support this endeavor of the UST Faculty of Medicine and Surgery is a significant stamp of approval to the work and tradition of this medical institution,” Fr. Ang said in a letter to the Sy family.

“Your family’s Patriarch, Henry Sy, Sr., had principles in life that we, as an institution, give our best to also follow. We aim to lead as paragons with passion, integrity, far-reaching and optimistic vision, sensible priorities, and discipline. At the core of this is a deep sense of charity for God, the church, and the nation,” Fr. Ang added.

UST’s future Henry Sy, Sr. Hall

Rising as an intellectual hub for future physicians, the building has a dedicated floor for the Faculties of Medicine and Surgery Research Center and the Medicine and Surgery Graduate Programs and Ethics Review Board. In here, medical education research and various medical-related specialty research will be reviewed and conducted.

The building will include specialized centers, rooms, and laboratories, such as Medical Simulation Centers and Care Ultrasound Institute, and Otorhinolaryngology Laboratory. These will be equipped with cutting-edge tools and technology to develop medical students’ competencies in multiple simulated healthcare settings crossing the human lifespan.

The HSFI is a non-stock, non-profit organization inspired by SM founder Henry Sy, Sr.’s desire to aid educational institutions to drive Philippine social development. Its projects are undertaken in partnership with the SM group and its foundations to honor the SM founder by supporting educational institutions in promoting academic excellence as a key to a brighter future for the youth.

Thursday, November 24, 2022

Make Your Christmas Preparation Extra Fun & Meaningful with Canva

Take this Canva Quiz to Plan for Your Best Christmas Yet

For many Pinoys, celebrating Christmas for the past two years came with limitations due to the pandemic. Now, with restrictions being lifted, many Christmas traditions are making a comeback, including everyone’s favorite Christmas party and exchange gift tradition.

The excitement to celebrate and reunite with your favorite Christmas kabarkada is definitely in the air. What better way to celebrate than to make sure everyone feels just how much you miss them? Here’s how you can make your Christmas celebration extra fun and meaningful with Canva:

For the reliable planner 

Do you love to plan and convince everyone to get together this Christmas? From choosing the venue and budgeting and splitting your bills to taking care of the food or checking everyone’s availability, you are the group’s go-to person when it comes to organizing a party!

You’ll definitely benefit from having a party checklist so you don’t miss out on any details. You can also design your own invitation or event website easily and for free without any coding needed using Canva.

For the generous Santa 

Giving is your love language. You are everyone’s favorite because you’re way too generous when it comes to giving Christmas gifts. You like customizing gifts or sourcing presents from local businesses.

Take your gift giving up a notch higher and design your own gift tags using Canva! Design custom tags for gifts and more with free, printable tag templates that are easy to customize to suit your needs.

For the holiday hustler 

You may be too busy with work, school or your business but you can’t miss making Christmas extra despite your packed schedule. Sometimes things can get overwhelming too but because you always want to put your best foot forward for the people who matter to you, even simple gifts can look more extra if you design your own gift wraps from scratch with Canva.

If you really don’t have the time, consider giving cash as gifts—all you need is a QR code template that makes sending money a little extra.

For the ultimate performer 

No Christmas party will be complete without you and your vibrant energy! You’re either the star performer, the host, the game master or everyone’s cheerleader. No one in the group feels left out because your presence makes any room light up.

Surprise everyone with the perfect performance complete with visual backgrounds made on Canva or use these game presentation templates to start it all off!

For the sweet sentimentalist 
You are the self-proclaimed official videographer and photographer of the night. While at times, you just like lurking around and observing on the side, what brings you real joy is to see everyone who’s important to you in one place and creating memories that last.

Your gift may be in the form of a printed photograph or a same-day-edit video or Instagram Reel so everyone has something to look back on. However you want to capture these special moments, make them more extra with Canva’s mobile video templates.

Not sure which Christmas kabarkada you are? Check out Canva’s Christmas Persona Quiz here and start designing your way to an extra merrier Christmas.

Downloadable Assets here ! 😊

Wednesday, November 23, 2022

Happier retirement with PERA

"Retirement is a time to experience a fulfilling life derived from many enjoyable and rewarding activities"- Ernie Zelin

MOST Filipinos remain unresponsive to retirement planning even when its importance has been highlighted, time and again, by experts.  The lack or insufficient understanding of its benefits remains the primary reason, followed by personal choices, life situations and mindsets.

For the working class, in particular, the 2019/2020 Global Benefits Attitudes Survey conducted by Willis Towers Watson indicated that in terms of retirement readiness, more than 50% of surveyed employees bared they were not heading in the right direction when it comes to retirement savings. While they allocate a portion of their savings for retirement, they are still saving less than they ideally should.

Employees tend to rely on their employers’ plan for their retirement security, which include the payment of social security benefits and the mandatory retirement pay. These, however, might not be enough to sustain their lifestyle and support the needs of their family over time.

Boost to retirement savings

Marissa A. Romero, VP for Programmed Investments, Retail Accounts of BDO Unibank’s Trust and Investments Group said, “Employers can further help their employees augment their retirement savings by considering the Personal Equity and Retirement Account (PERA). Retirement life is meant to be enjoyed even after employees stop earning. And PERA is a means for the retirees to relish their desired lifestyle, as well as provide financial security to their dependents.”

PERA is a voluntary retirement savings plan that encourages individuals to save and invest for their retirement while enjoying tax incentives both from contributions and income from investments.

BDO, as an accredited PERA Administrator, can help employers set-up and establish PERA for their employees. The Bank will also guide the employee-contributors on financial wellness, how open the PERA in their name, and how they can invest and reinvest PERA contributions in qualified PERA investment products.

PERA’s features

An individual can open a PERA under one PERA Administrator but may invest his PERA contributions in up to five different types of investment products. 

The maximum annual amount each person can put in a PERA is Php100,000, and Php200,000 for overseas Filipinos.

PERA employee-contributors are entitled to a tax credit of five percent of their annual PERA contributions every year. The tax credit can be applied against the employees’ income tax liability.

For example, if an employee has an income tax due of Php150,000 for one taxable year and has contributed Php100,000 to his PERA, he can claim a Php5,000 tax credit (i.e., five percent of the Php100,000 contribution) and will only pay Php145,000 in income tax for that taxable year.

In case the employer contributes to the employee’s PERA, the share given by the employer will also not be subject to withholding tax on income on the part of the employee.
The money in PERA likewise grows tax-free, and is exempt from final withholding tax on interest from bank deposits/deposit substitutes, capital gains tax on the sale/maturity of bonds, the ten percent dividend tax, and regular income tax.

BDO offers PERA through its BDO Invest Online. To know more, visit

About BDO Trust and Investments Group 

BDO Trust and Investments Group (BDO Trust) offers a wide range of products and services which include Unit Investment Trust Funds (UITFs), Easy Investment Plan (EIP), Investment Management and Trust Accounts, and PERA.

BDO Trust has received multiple recognitions internationally from various prestigious publications as Best Asset Management Company in the Philippines.

Unit Investment Trust Funds (UITFs) are trust products and not deposit accounts. They are not insured by the Philippine Deposit Insurance Corporation (PDIC). Returns and principal protection are not guaranteed and any income or loss is for your account. Benefits, features, fees, and risks shall be disclosed to you prior to its sale. It is recommended that you read the plan rules or seek independent opinion before making an investment.

BDO Unibank is regulated by the Bangko Sentral ng Pilipinas with telephone no. (02) 8708-7087, email address, and webchat at

For inquiries or concerns, please call BDO Contact Center at (02) 8631-8000 or email for trust and investment products or services.
The BDO, BDO Unibank and other BDO-related trademarks are owned by BDO Unibank, Inc.

Enjoy Hassle-Free Holiday Shopping at The Goodwill Market

It’s the season of giving and there’s no better time to start looking for the perfect presents for those who matter most. While the holiday rush is upon us, there’s no reason to take on the stress of heading out into the crowds when there’s a hassle-free alternative from The Goodwill Market. The online shopping site will deliver your handpicked gifts just as promptly as Santa, right to your doorstep. All you need to do is to make a list, and check it twice.

The Goodwill Market has choices of thoughtful packages that will suit your gift-giving needs, with choices that are sure to please family and friends. Here are the bundles of joy that are available for this Christmas.   

The Merry Holiday Bundle. If you want to make sure that there’s something for each member of the family, try this happy hamper filled with goodies such as Gullon Bio Organic Avena Oats and Wheat, Gullon Bio Organic 4 grains with Spelt, CH White Coffee Rich 3 in 1, CH Kokoo Peppermint, Nutri Brown Rice Soy Lecithin, and Gullon MegaDuetoCookies-Chocolate.

Santa's Milk & Cookies Bundle. This bundle is packed with special treats such as Gullon MegaDuetoCookies-Vanilla, Gullon NA Chocolate Sandwich Cookies, Gullon SF Vanilla Wafer, Gourmet Hokkaido Milk Latte, CH Teh Tarik Milk Tea - Less Sweet, Duru Coarse Bulgur, and Nutri Brown Rice Original - No Sugar.

Happy Christmas Bundle. Spread joy this season with popular pantry favorites such as Gullon NA Chocolate Sandwich Cookies, Chek Hup Kopi Tarik, Duru Extra Coarse Bulgur, and Umbria Original Truffle Sauce.

Holiday Twist Bundle. Give the gift of good taste with Duru Coarse Bulgur 5+1, Umbria Original Truffle Sauce, and Chek Hup 3 in 1 White Coffee Original.

Happy Holiday Treats Bundle. Make your loved one’s snacks and mealtimes more exciting with Duru Coarse Bulgur, Chek Hup 3 in 1 White Coffee Original, CH Kokoo Peppermint, Gullon MegaDuetoCookies-Chocolate, and Gullon Bio Organic Avena Oats and Wheat.

Healthy Holiday Bundle. Give the gift of good nutrition with this bundle that contains Duru Coarse Bulgur, Umbria Original Truffle Sauce, Nutri Brown Rice Oats Soy Lecithin, and Chek Hup Coffee Brown.

If you want to gift your inaanak with something special this year, you can choose from the different Kids’ Bundle of Joy choices from The Goodwill Market. The Sweet Surprise Bundle contains Chek Hup Kokoo Peppermint, Gullon SF Chocolate Wafer, Gullon SF Vanilla Wafer, Gullon Bio Organic Avena Oats & Wheat, and Nutri Brown Rice Choco. The Sweet Morning Bundle is an ideal breakfast and baon buddy with Chek Hup Kokoo Peppermint, Gullon MegaDuetoCookies-Chocolate, Gullon SF Vanilla Wafer, and the Gullon Bio Organic Avena Oats & Wheat. If you want to go all-out with sweet somethings, The Sweetest Gift Bundle is a great choice with Chek Hup Kokoo Peppermint, Gullon SF Choco Wafer, Gullon NA Chocolate Sandwich biscuit, Gullon MegaDuetoCookies-Vanilla, and Nutri Brown Rice Choco.

More gift choices are available for doorstep delivery at The Goodwill Market. Browse the well-curated website at to find the right presents for your loved ones. 

BDO opens its 33rd branch in Bicolandia

BDO Unibank has opened a branch in Sorsogon to support the growing banking needs of clients in one of Bicol region’s leading urban cities. 

The full-service branch, which is located in SM City Sorsogon, is BDO’s 33rd branch in Bicolandia. It can serve the personal investment, sending and receiving of funds, and financial planning needs of individuals, as well as extend loans to businesses for their expansion activities. Self-service options are also available via digital and online banking facilities to give clients alternative channels to do their banking transactions inside the branch. 

BDO provides banking solutions to clients through combination of physical and digital banking services in the branches. 

Since it is located in SM, the branch also offers extended banking hours for added convenience to clients who would like to do their shopping and banking chores simultaneously.

Located in the Bicol peninsula, Sorsogon City is the capital of the province of Sorsogon. It is considered as Luzon’s gateway to the Visayas and Mindanao through its roll-on/roll-off ferry terminal facilities located in the municipalities of Matnog, Pilar and Bulan.

Most businesses in the city are related to tourism, agriculture/marine products, hardware and construction, and gasoline stations.

Tuesday, November 22, 2022

Air Fryer Potato Bibingka for the Holidays

Air Fryer Potato Bibingka

It’s the BER months and the holiday season is in full swing so I decided to make one of my favorite Pinoy Christmas delicacies – the delicious bibingka.

Do not fret, this delicious bibingka is a dish you can easily make at home! Topped with salted eggs, and grated coconut, this classic Filipino rice cake is the ultimate Christmas treat!

My version is not your traditional bibingka because its main ingredient is… POTATO! Yes, not rice flour or “galapong”, but U.S. dehydrated or instant potato. Intrigued? It's very simple to make. A must-try! 

Why use potatoes? The spud is a superstar in more ways than one. Potatoes, particularly U.S. potatoes, are the stuff kitchen dreams are made of, whether you’re in-charge of cooking or the eating.

Heath-wise, potatoes contain vitamin C, potassium, iron, vitamin B6, protein and dietary fiber. Great for the body and the belly!

Three U.S. potato forms are available in the Philippines: fresh or table-stock, frozen, and dehydrated or instant. Off to the grocery you must go!

Their versatility as a kitchen ingredient is beyond compare! You can use them in any dish and any cuisine because they present a great number of food applications.

Potatoes are affordable, available just about everywhere, and easy to store – a dependable kitchen companion.

So, without further ado, here's my easy-peasy, smooth and creamy, 3-step Air Fryer Potato Bibingka using U.S. dehy potatoes. 


3 large eggs

120 grams sugar

210 grams all-purpose flour

10 grams baking powder

280 grams mashed potatoes*

200 ml coconut milk

120 ml water

wilted banana leaves

salted eggs, sliced

freshly grated coconut


1. Beat eggs with sugar, then add flour, baking powder, and mashed potatoes. Mix in coconut milk and water.

2. Line bibingka pans with banana leaves. Pour mixture into lined pans, then top with salted eggs and cheese (optional).

3. Bake in a preheated oven at 350°F for 20 minutes or until it has set.

4. The bibingka may also be cooked the traditional way, which is with a charcoal flame under and above the bibingka.

5. Serve warm with grated coconut toppings. Enjoy! 😋

*Making mashed potatoes with dehydrated potatoes - a standard method of preparing mashed potatoes is to combine 170 ml. warm water and 65 ml of warm fresh milk in a bowl. Gradually incorporate 50 grams of U.S. standard potato flakes into the mixture, stirring gently with a wooden ladle. Season with salt and pepper to taste. This method will supply 280 grams of prepared mashed potatoes.

For more information on U.S. potatoes, visit or like and follow Potatoes USA-Philippines on Facebook and Instagram.

Tuesday, November 15, 2022

Elegant and functional small appliances for your home


There are countless ways to personalize your kitchen for a   warm and inviting vibe. But beyond the aesthetics, an even more important consideration is functionality where all the appliances you’d need regularly deliver the benefits they were designed for. With the right appliances, even the most complicated tasks become enjoyable and easier to accomplish.  

Taking into account the convenience that families need in running their households, Midea (pronounced mai-dia), the leader in intelligent home solutions and the world’s no.1 in small cooking appliance brand as recognized by Euromonitor International in 2021, presents a wide range of surprisingly friendly and innovative small kitchen appliances that not only look sleek and modern but are sure to make any kitchen chore a breeze. 

For instance, if you have a busy schedule, then you know that simple meal prep can turn into a daunting chore. Take your kitchen experience up a notch with the Midea 12-in-1 InnerChef 5.7L Multi-Cooker.  This amazing multi-cooker has 12 preset menus to select from whether you need to cook meat, poultry, vegetable, prepare your rice, soup, curry, or broth, or simply need to sauté, roast, or slow-cook your food. Need to tenderize beef shanks for a tasty stew or nilagang baka? This handy multi cooker with pressure cooker function can do that magic for you, so you can skip the hassle of long hours of cooking and save on electricity too! It also has 15 pre-programmed menus for versatility without compromising the food’s nutrients. Need to prep and plan ahead? No worries, this kitchen solution has a 24-hour Pre-set Timer that allows you to serve hot meals right when you need to!

Want to cook healthier dishes with less oil?  Check out the Midea 5.5L Digital Air Fryer that comes with a detachable non-stick basket for keeping the flavor of your food intact. It’s versatile too with 8 pre-set functions to help you become your chef -- from air frying, roasting, baking, grilling, broiling, and reheating, to cooking frozen food and dehydrating fat. This air fryer’s adjustable temperature (up to 200 degrees Celsius) and 60-minute timer with an automatic shut-off feature let you cook your favorite meals to perfection!   Think of all the other things you could be enjoying with such a smart, efficient, and multipurpose cooking buddy in your kitchen!

Flameless cooking has become a byword nowadays because it’s more efficient and can prevent all kinds of untoward incidents in the kitchen. Take, for instance, the Midea 2100W Glass Touch Induction Cooker which offers a flameless way to cook your meals   40% faster than the conventional gas stove! Aside from accurate temperature control, it also automatically cools down when your pan reaches the maximum heat so you can cook efficiently and safely. Indeed, safe and efficient cooking is right at your fingertips with this induction cooker!

But we can all agree -- nothing can spoil a delicious dinner like a stack of dirty dishes. Fortunately, that scenario can be a thing of the past. Thanks to the Midea 6 Sets Tabletop Dishwasher allows you to stack up to 6 sets of washing capacities and more categories of tableware, glassware, utensils, and many more. With its high-temperature intensive wash feature that delivers a precise cleaning process, you can be sure to always have your kitchenware clean and grease-free! Plus, this dishwasher is intelligently engineered with a self-cleaning filter system so you can be free from the daunting chore of having to clean your dishwasher. What’s more, you can place this dishwasher anywhere you wish in your lovely kitchen!

After a hearty and special mealtime with the whole family, you’d also want to make sure that you can just sit back, relax, and enjoy a fun bonding moment with them. One way to do that is by keeping your home environment safe, and comfortable. The Midea UV Air Purifier gives every family a clean and carefree environment, thanks to its negative ion purifying function that efficiently eliminates viruses, plus the True HEPA filter and Plasma Technology that effectively capture 99.97% of air pollutants as small as 0.3 microns so you can feel relaxed and safe every minute, every breath!

To add more homemade happiness for your family, there’s also the Midea 16" Convertible 2-in-1 Inverter Digital Electric Fan which can be convertible into a desk fan or stand fan and has an inverter function to make sure your needs and relaxation are in check without spending too much on electricity. Its Oscillation functions also bring a wide range of airflow direction while the Heat Protected Motor with built-in thermal Fuse helps easily maintain proper humidity while keeping indoor areas well-ventilated. For a more comfortable and peaceful slumber, the Midea 16" Stand Fan Inverter Digital Electric Fan also has 4 Speed levels from standard to help you stay cool at night. This is also intelligently installed with an inverter function to best suit your needs and distribute cold air efficiently, and a high-quality motor for more power and efficient cooling performance in a more durable design, as well as 3D oscillation so you can feel a breath of fresh air and cool in every corner.

These appliances may be small, but they can make a big difference in your daily life at home to make them more functional, efficient, and hassle-free. Enjoy everyday homemade happiness in no time with Midea home solutions available at the following Midea Philippines flagship stores: Midea Lazmall:, Midea ShopeeMall:, and Midea Official Online Store: For more Midea intelligent home solutions, you can visit any major appliance stores nationwide or visit these sites - Facebook: MideaPhilippines;  Instagram: mideaph; Youtube: Midea Philippines Official and on TikTok: mideaphilippines.