Miyerkules, Marso 18, 2015

“THE EFFECT OF STUDY HABITS ON THE ACADEMIC PERFORMANCE OF STUDENTS”


“THE EFFECT OF STUDY HABITS ON THE ACADEMIC PERFORMANCE OF STUDENTS”





Name:
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E1A
March 18 ,2015

The Introduction
              The extent of student’s learning in academics may be determined by the grades a student earns for a period of learning has been done. It is believed that a grade is a primary indicator of such learning.  If a learner earns high grades it is concluded that they may also have learned a lot while low grades indicate lesser learning. However, many experiences and studies found out that there are also several factors that would account for the grades. No single factor can be definitely pointed out as predicting grades. It has been an interplay of so many factors – gender, IQ, study habits, age, year level, parent’s educational attainment, social status, number of siblings, birth order, etc. In fact, almost all of existing environmental and personal factors are a variable of academic performance. The investigation of on this area thus becomes a real and compelling motivation for the researchers to conduct this study.
The  Body
                      According to Palm Beach Community College (PBBC, 2008), they recommend  that  student’s  study  should have at least three hours out of class for every hour spent in class. They also said that a student must have a special place to study with plenty of room to work. And students should not  be cramped. They presupposes that  study time will go better if a learner take a few minutes at the start to straighten things up. A desk and straight-backed chair is usually best. “ Don't get too comfortable--a bed is a place to sleep, not to study” as what they said. A student must have everything close at hand (book, pencils, paper, coffee, dictionary, computer, calculator, tape recorder, etc.) before starting to study. Students are not suggested to  spend on  time jumping up and down to get things. The PBCC suggests also that  distracting noise should  be minimized however they said that there are   some people need sound and some like silence. In this case, a learner must finds what works for him or her. Culprits are family and friends. consider a "do not disturb" sign and turning on your answering machine is the way also to have better study habits according to the PBBC..

                     Frank Pogue(2000) did a research project to determine why students fail. What he founds to be true in that study habits survey was that more than 30 years ago still rings true today--students fail because they do not know how to study .The best advice he can give is to develop sound study skills.
He said that a student should make sure that he/she has a good study environment, a good desk, a sturdy chair, good light, comfortable room temperature and a quiet atmosphere. That means he/she should eliminate all external and internal distractions. Second, get a good overview of the assignment before starting the work. Know what skills, facts and ideas that are expected to master and the ground that are expected to cover. Start with most difficult subject first, while the mind is freshest and most receptive. 
                     Professors in the developing countries said that the undergraduate students should be fully equip  with high level of analytical skills, the capacity for critical reasoning, self-reflection and conceptual grasp and ability to learn autonomously and exercise flexibility of mind (Simmons 2003). Study habits are said to be improving because of the advent and wide use of the Internet, hypertext, and multimedia resources which greatly affects the Study Habits (Liu, 2005). Karim and Hassan (2006) also note the exponential growth digital information, which changes the way students perceive studying and with printed materials that are to be use in facilitating study. Liu (2005) and Ramirez (2003) report that students print material from the Internet in order to study and read later on. Igun (2005) also found that Nigerians study from materials downloaded from the Internet.
                  Reading is an attempt to absorb the thought of the author and know what the author is conveying (Leedy 1956). Studying is the interpretation of reading materials. Study habits and skills are particularly important for college students, whose needs include time management, note taking, Internet skill, the elimination of distractions, and assigning a high priority to study.
Fielden (2004) states that good study habits help the student in critical reflection in skills outcomes such as selecting, analyzing, critiquing, and synthesizing. Nneji (2002) states that study habits are learning tendencies that enable students work private.
                The study conducted by Hope L. Graven (2008) on the  relationship between an individual's amount of caffeine consumption during his/her study session and the individual's study habits showed that the main effect of drinking caffeine on exam preparation was not significant There were participants, 20 male and 58 female college students (N=78), answered self-ratings on their personal consumption of caffeine as well as their study habits when preparing for a test/exam. It was hypothesized that the more caffeine a student consumes while studying, the more accurately his or her study habits would be labeled as 'unhealthy', as determined by the researchers. Unhealthy study habits were operationally defined as low scores on amount of time per study session, time(in days) when preparation began, and amount of information the participants believed they had retained. High scores on anxiety level were included in 'unhealthy' study habits. A Pearson correlation indicated no relationship between amount of caffeine consumed while studying and the individual's effectiveness of studying and preparation.
                 Marcus Credé and Nathan R. Kuncel (2008) in their research at the University of Albany said that Study habit, skill, and attitude inventories and constructs were found to rival standardized tests and previous grades as predictors of academic performance, yielding substantial incremental validity in predicting academic performance. The meta-analysis examined the construct validity and predictive validity of 10 study skill constructs for college students. They  found that study skill inventories and constructs are largely independent of both high school grades and scores on standardized admissions tests but moderately related to various personality constructs; these results were  inconsistent with previous theories. Study motivation and study skills exhibit the strongest relationships with both grade point average and grades in individual classes. They also said that Academic specific anxiety was found to be an important negative predictor of performance. In addition, significant variation in the validity of specific inventories is shown. Scores on traditional study habit and attitude inventories are the most predictive of performance, whereas scores on inventories based on the popular depth-of-processing perspective are shown to be least predictive of the examined criteria. Overall, study habit and skill measures improve prediction of academic performance more than any other noncognitive individual difference variable examined to date and should be regarded as the third pillar of academic success.
                 According to the how-to-study.com (2009), students who are very successful in their desired career have good study habits. It is stated in the website that students apply these habits to all of their classes.  The website also recommends some tips in improving study habits. The website also suggests that the student should try not to study all the subjects in just a period. The website also added that if you try to do too much studying at one time, you will tire and your studying will not be very effective.  Space the work you have to do over shorter periods of time.  Taking short breaks will restore your mental energy. 
                    A study conducted by University of Kentucky was to determine if the college success can be improved with the Student Attitude Inventory (SAI). The inventory was developed in Britain and contains 47 items which attempt to identify students in higher education on the basis of: (1) motivation, (2) study methods, (3) examination technique, and (4) lack of distractions toward academic work. Students in six Kentucky community colleges were asked to express their attitudes toward study habits on the Student Attitude Inventory. There were 996 students in the sample population (413 males and 583 females). A measure of ability (composite American College Test score) and academic performance (cumula grade-point average) were obtained for each student sampled. The Student Attitude Inventory did contribute a statistically significant amount of variance beyond an ability measure for males and females. ( Mark E. Thompson, 2005)        
                  According to Mark Crilly (2000), Successful students are able to balance social activities with good study habits. A diversion from studies will alleviate stress and help prevent  from becoming fatigued. He said that a student should make sure that he must take a break for an hour after studies to meet with friends, to play some cards, work out at the gym, or to gab with a new acquaintance. For this way, that student will find concentration when he do study, if he plans a social activity afterwards. He said, “To develop a healthy social life, develop routine study habits. After supper, lug your books and homework to the library, find a comfortable and quiet niche, and study for two or three hours, taking intermittent 10 minute breaks every 45 minutes or so.” Making friends with whom you share similar study habits, and share a table or a study space with them would be a best way in developing study habits as what Mark said.
The Conclusion
From the study various factors such as (method of study, family background, socio-economic status and environment, peer group and class, course of  study and self concept) have been identified to act as determinants of undergraduate study habits. More importantly it was found out that faculty is a major determinant of undergraduate study habit.

            


Resume/Application Form

March 15, 2015 

Old National Hiway
Barangay Sto.Niño
Biñan City, Laguna

To Whom It May Concern:

I am writing in response to your advertisement in the bulletin board that you are in need of Student Assistant. I’m very interested with this position and believe that with my administrative, clerical and customer service skills, I can make an immediate and valuable contribution to the office.
I have been commended on my administrative acumen by my teachers several times as I have had the opportunity to work for them in an informal capacity on many instances. My cumulative average is above the required grade for this position and I stand in good reputation academically as well as in student conduct.

As far as my administrative capabilities are concerned, I am a volunteer for the student office and work in an administrative capacity which makes me qualified for this position. Because of a suitable academic schedule, I am sure that I will be able to manage working for the administrative office in a profound manner.
Please find attached copy of my resume with additional information about my qualification.

Hoping for your kind consideration.

Sincerely,

name---------------------
Blk. 54, Lot 22, Oroqueta St. South City Homes,
Sto. Tomas, Binan City, Laguna

09052744481

Lunes, Marso 16, 2015

10 keys to success in investment

While it may be true that in the field of investing,there is no rule without an exception, there are some principles that are tough to dispute. The following are the top 10 rules to success in investment
1. Sell the losers and let the winners ride!
In investing you should know what you are doing, let go of thing that could give a negative impact on you.think twice before you invest
2. Don't chase a "high tip".
When you make an investment, it's important you know the reasons for doing so; do your own research and analysis of any company before you even consider investing your hard-earned money. Relying on a tidbit of information from someone else is not only an attempt at taking the easy way out, it's also a type of gambling. Sure, with some luck, tips sometimes pan out. But they will never make you an informed investor, which is what you need to be to be successful in the long run.
3. Don't sweat the small stuff.
You shouldn't panic when your investments experience short-term movements. When tracking the activities of your investments, you should look at the big picture. Remember to be confident in the quality of your investments rather than nervous about the inevitabl
volatility of the short term. Also, don't overemphasize the few cents difference you might save from using a limit versus market order.
4. Don't overemphasize the price and your commission
Investors often place too much importance on the commision. Because it is one key tool among many, using only this ratio to make buy or sell decisions is dangerous and ill-advised. Just always remember,even millions of pesos started from a single cent,so even 1 cent is really important.
5. Resist the lure of penny.
Learn to spend your money on things that would help you in the long run.

6. Pick a strategy and stick with it.
You shouls establish you own strategy,always stick into your guts.Dont listen to other people,do it your own way.If you succed,it would be more rewarding because you did it you own.
The tough part about investing is that we are trying to make informed decisions based on things that have yet to happen. It's important to keep in mind that even though we use past data as an indication of things to come, it's what happens in the future that matters most.
8. Adopt a long-term perspective.
Large short-term profits can often entice those who are new to the market. But adopting a long-term horizon and dismissing the "get in, get out and make a killing" mentality is a must for any investor. This doesn't mean that it's impossible to make money by actively trading in the short term.
9. Be open-minded.
Never lose hope,in the field of investment,its normal to go up and down.just play with it.
10. Be concerned about taxes..You should always attempt to minimize the amount of tax you pay and maximize your after-tax return, but the situations are rare where you'll want to put tax considerations above all else when making an investment decision.
Conclusion 
There are exceptions to every rule, but we hope that these solid tips for long-term investors and the common-sense principles we've discussed benefit you overall and provide some insight into how you should think about investing.


WP Empire Builder 3.0 WordPress Plugin Review

Looking for a WP Empire Builder 3.0 WordPress Plugin review? WordPress is considered one of the best domain platforms for various needs. You can use it for blogging, as an affiliate, as a direct seller, and more! Unfortunately, WP can’t provide everything you need – which is why plug ins like the WP Empire Builder 3.0 are constantly being developed to help boost the platform’s performance!

Product Information
The WP Empire Builder 3.0 is just that – it helps you build an EMPIRE of WordPress Sites in a matter of seconds. An automated plug in that lets you customize WP domains with your favorite plug-ins as well as themes. The biggest selling point of this product is that it can do all this in 29 seconds! That’s not 1 WP site per 29 seconds but rather, 10 WP sites in less than half a minute!

About the Author
The developer of the WP Empire Builder 3.0 WordPress Plugin is George Katsoudas who isn’t a stranger to website optimization. A successful affiliate marketer, he started developing the WordPress plug-in after his own site got hacked. After spending several hundred dollars resotring his domain, he figured – there must be an easier way to do this!

How it Works?
The plug-in basically works as a comprehensive WP site creator and update automaton. It gives you the chance to control and update your site through just ONE plug-in. Now, you might be thinking about another plug-in that basically does the same thing called the WordPress Multisite. Empire Builder is an improved version of the Multisite, providing features that aren’t available in the older version. Don’t get confused though – these two plug-ins come from two very different developers!

Features
So what exactly can this plug-in offer? Following are just some of the features specially built into the program:

·        Mass creation of websites with all the themes and plug-ins used by the creator
·        Mass activation and deactivation of plug-ins
·        Control on level of user access
·        Private server-only cPanel
·        Automatically creates subdomains, subdirectories, and domains
·        One-click setup and easy activation
·        Bonuses!

Who Would Buy This?
The product can be used by two types of WP users. The first category is for direct owners maintaining 3 or more WP sites and would like to expand their operation. If you’re currently dabbling in several niches or simply want to make sure all your sites are at their optimum performance, then the WP Empire Builder 3.0 WordPress Plugin would definitely be a good choice! If you handle WP sites for several clients, then this plug-in should be able to increase your productivity as well without limiting the quality of your work.

Pros and Cons

Ease of Use - Incredibly easy to use, the product is ideal for both users and beginners in the WP niche. The installation process itself takes just a small amount of time, allowing you to start adding websites after a few minutes of installing the plug-in.

Money Back Guarantee - The money back guarantee covers 60 days and you can pay through several methods, depending on what you find to be the most accessible. They accommodate PayPal as well as several credit cards including Visa, American Express, and MasterCard. There’s also an extensive client support and lifetime updates.

Multi Domain Creation - The rate of domain creation is highly impressive with 10 sites created in approximately 30 seconds. Within these 30 seconds, all 10 sites will have all the themes and plug-ins you typically prefer in your domains. This means that creating 50+ sites would be a breeze and maintaining them all would be even more so!

Plug-In Activation and Deactivation - Say you’ve got a dozen or so plug-ins in each of your website and all of a sudden, you find a better plug-in that can replace a current one. Instead, of going through every single site to remove the plug-in, you’d simply go to your cPanel, uninstall the outdated one and install the brand new system! Even better, you can automate updates to make sure that your sites never become vulnerable with hacks.

Client Access Levels - If you’re handling several websites for clients, the plug-in can make it easier for you to control the level of access each person has for the website. For example, you can give their profile the ability to enter the website, upload content, and make plug-in changes that they see fit. However, you can also prevent them from doing all these – just in case they’re new to the process and may not make good changes. If you have writers or a team of content creators, this will also prove highly useful!

Clone Posts - Let’s say you’re operating several sites under the same niche. If you’ve uploaded content in one and want the same content to be available in a different site, you can do so with just a touch of a button! This prevents you from going through all the gamut of posting which can be time consuming.

Maximize Profits - The bottom line benefit of WP Empire Builder 3.0 WordPress Plugin is the fact that it helps you boost your profits by simply maintaining a high quality, visitor-friendly website. By limiting the amount of time you need in creating the framework of the website, you’d be able to focus on the more important aspects – like boosting your internet marketing through contents and back links!


Product Con: Package Limitation - there are two package options for the program: there’s Domination and Enterprise. The former costs $27 but comes with some limitations like inability to sell site networks or manage client websites. The Enterprise however costs $47 and provides all the features which include: unlimited networks, owned sites, sell networks of sites, lifetime updates, support, and manage client sites.

Buyer Feedback
Feedback for the WP Empire Builder 3.0 WordPress Plugin has all been positive. In the main website, there are various comments from different users describing the plug-in as ‘brilliant’ and ‘amazing’.

Conclusion

To wrap it up, we’re giving the Empire Builder a total rating of 4.5 stars out of 5! Easy installation, easy use, and extensive, seamless operation – it’s easy to see why many WP site users are leaning into WP Empire Builder 3.0 WordPress Plugin to maximize their WP profits. 
Mind Tricks to a Fit Body
Are you just a few more pounds away from your weight goal? That final stretch could be the most difficult. Fortunately, you can shed the weight even if you’re too busy to go back to the gym. Get started with these scientifically proven calorie-cutting tips that won’t just help you shed the weight; it will help you keep it off!
Adjust the Lighting
Brightly lit places like fast food joints actually encourage you to rush through your meals and eat faster. If you want to cut back, dim the lights. Make all your dinners candle-lit. Not only is it romantic, you might even end up consuming 175 calories fewer than normal!
Chuck the Fancy Glassware
People consume more sugary and alcoholic beverages when drunk from curvy glasses because it’s harder for them to tell if they’re halfway done with their drink. To feel satisfied sooner, pour your drinks in a straight glass!
Get Enough Sleep
People who sleep less than 6 and a half hours every night wind up hungrier during the day. Since your body didn’t get enough energy from sleep, it could make it up with food. Sleep deprivation also raises levels of appetite hormones, causing you to eat as many as 500 extra calories a day.
Mind Over Matter
Don’t think of yourself as fat or overweight. This can help you act in ways that are akin to people who are fit and sexy. When it comes to cutting back on food items, don’t think that you can’t eat an item. Instead, consider these food items as something you don’t eat. Another trick is to simply avoid images of temptations. Out of sight, out of mind.
Drink More Water
Drink a tall glass of water before meals and you will feel full sooner. Drinking water with your meal can also encourage healthier options. Studies have shown that if you are presented with water, you’re likely to eat vegetables while if you’re presented with soda, you are likely to choose fries or pizza.

Follow these awesome tips and you’ll be in tip top shape in no time! 
Fresh Fruits Juice Informal Business Report

Introduction
Fresh Fruits Juice stand will operate under the official name “Fruits 2 Go” and will be serving fresh fruit shakes with a variety of flavors. The intent is to provide consumers with quick, healthy, and delicious options for a drink as they go about their daily routine. Produced on the spot, consumers have two basic options: fresh fruit juices or fresh fruit shakes of apples, oranges, pears, lemon, and other fruits in season. Different cup sizes are also available.

Branding Strategy
The first Fruits 2 Go will be located in the business district, just a few minutes away from some of the most densely populated companies within the city. The brand targets 20 to 40 year olds looking for healthy drink choices that they don’t have to take time preparing. The shakes and juices will be promoted as a ‘healthy alternative to coffee’ using fruit’s natural ‘sugar content’ without the harmful additives. Taking advantage of the health kick in the working community, the business logo would be a colorful mix of fresh fruits, communicating the healthy implications of the product. The brand will be displayed on all materials associated with Fruits 2 Go including employee uniform, cups, tarpaulins, and more.

Opportunities for New Locations
Fruits 2 Go will be expanding to other sections of the business district, eyeing major transportation spots such as nearby taxi stands, bus stands, and the train station where the target market are likely to reside. The business also hopes to penetrate company cafeterias that offer space for individual business owners. Within a 3-year time frame, Fruits 2 Go is eyeing the placement of multiple stands where the target market is often cited. From there, further expansion targets the leisure-market with stands located in malls, theatres, and other leisure spots.

Promotion Plans
Promotion plans include local advertising with the use of local radio stations, televisions, and newspapers.

·        Part of the $10,000 budget will also be aimed at direct selling strategies through the use of tarpaulins and renting ad space at least 50 feet away from the Fruits 2 Go stand. Estimated cost is at $1,000.

·        The use of promotional materials such as “Refill Cups” is also in the agenda, encouraging frequent buyers to simply use their signature refill cups and prevent accumulation of garbage within the city. The cups will be free after buying five (5) large fresh fruit juice/shake during separate occasions. Estimated cost would be $3,000.

·        Internet marketing involves creating a website, a Facebook page, and other social media accounts. Online advertising and maintenance are estimated at $1,000 for the first 12 months.

·        Part of the promotional strategy would be complete transparency in the preparation of the fruit juices. Consumers would be able to watch and see their orders being prepared, ensuring an all-natural process which is exactly what the brand stands for. Initial employee training to perfect this strategy is estimated at $3,000.

·        Introduction of a game during the latter part of the year as part of the promotional build up is estimated to cost around $1,000. The game “Juice You!” will encourage consumers to create their own juice mixes and provide the recipe to Juice 2 Go. The winner gets their recipe used in the official Juice 2 Go product lineup, a cash prize, and free juice refills within 12 months.

·        Informational advertising to be passed around through social media and local advertising, educating the target market on the many benefits of drinking freshly prepared fruit juices/shakes on a daily basis. Estimated cost is $1,000.

Employee Training
Employee motivation involves re-training of the staff when it comes to customer relations. A commission based reward system can also be put in place, providing employees with 5% of the net sales after reaching the monthly quota. Swapping locations for the staff and once-a-year company outings would greatly improve employee loyalty.

Conclusion

Fruits 2 Go rides on the all-natural, healthy, lifestyle constantly being advertised in the media. Combining this promise of health with delicious juice options and the ability to grab and go mixes in just a few minutes, the business is perfect for thriving cities where the target market has the capacity and the intent to buy the product. Promotional plans extend beyond 5 years with the initial investment expected to be earned back within just 3 years of operation.
Crown Asia unveils new residential properties in 3 different locations

(Manila, Philippines) November 29, 2014 – Crown Asia strengthens its positions in the Philippines’ residential property market with new projects and expansions within the Metro and Mega Manila.

The company prides itself in providing secure, efficient, and affordable residential properties within the heart of the city. Catering mainly to upper middle-income families, Crown Asia bears a stronghold in some of the most affluent areas in the country. This year, the company opens up three more places to add to their portfolio: Ponticelli Gardens, Valenza, and Aventine.

New Options for Families

Catering to more affluent families seeking peace, quiet, comfort, and easy transport options, Crown Asia makes each of their project unique for prospective home owners. Themes are set for each community, providing families with the option to choose the kind of setting they want to live in.

Swiss-style homes, Italian villas, and American architecture are just some of the themes followed by builders. High standards of workmanship remain a priority even as architects design well-crafted homes, staying true to the theme set by Crown Asia’s top people. Families are given the choice between different masterpieces with the assurance of meeting high quality and safety standards set by the Philippine industry.

Existing Properties Remain Affluent

Even as Crown Asia expands on different geographical locations, existing properties remain well-cared for and owned by thriving families. Today, the property building company has residential developments specifically in: Marina Heights in Muntinlupa, Ponticelli and Amici in DaangHari, Alabang; Valenza in Sta. Rosa, Laguna; Fortezza in Cabuyao, Laguna; and Amalfi and Citta Italia in Cavite.

Mid-rise buildings are also part and parcel of the company’s projects. Today, you’ll find testaments to their commitment in Pine Crest, New Manila; Brescia Residences, Fairview; Presidio at Lakefront in Sucat; Pine Suites in Tagaytay; and Pacific Residences in Taguig. Each one of properties well-maintained and built to follow strict codes, the new housing options located at Ponticelli Gardens, Valenza, and Aventine promise to be the same.

New Housing Choices in Different 3 Locations

Staying true to the company’s preference for themes in every new development, Crown Asia uses their vast resources combined with strategic locations to open up the Valenza, Aventine, and Ponticelli communities.

Aventinecovering just two hectares of land area, Aventine offers roughly 129 residential units found at Pedro Cayetano Boulevard. This upscale living quarters offers families two options: townhouses or detached homes. The location is strategically connected to major transportation options including C5 and C6. And, based from local government plans, nearby would be the next Commercial Business District, allowing families close access to life’s essentials. The easy access to important parts of Metro Manila makes this a good choice for business-minded homeowners.


Valenzalocated in Sta. Rosa, Laguna, Valenza covers 25 hectares of land specially designed to follow the architectural spirit of Old Europe. Aside from the Italian-inspired homes, the feel of Old Europe echoes with the cobblestone pathways and cupolas. The homes are reminiscent of the romantic period in Europe and perfectly functions as a family home close to friends and relatives. The gated community encourages days spent outside in energetic activity or quiet days spent in tranquil surroundings away from the heat, noise, and pollution of the city while still being close to important business districts.

Ponticelli Gardenslocated at Vista City, Ponticelli Gardens is one of the three communities by Crown Asia within the said area. It covers 30 hectares of land with “Ponticelli” bearing a promising translation of “Bridge to the Sky.” The community is located near DaangHari Road which leads to Cavite, Las Piñas, and Alabang. The architecture bears a strong resemblance to Italian designs combined with extensive space and amenities meant for whole families to enjoy. Its exclusive feel combined with proximity to business districts allow for a “countryside” atmosphere without foregoing all the luxuries offered by the urban community.

Setting High Self-Standards – Crown Asia

A nationwide real estate developer, Crown Asia adheres closely to industry standards set by the Philippine government as well as the local government where projects are currently being developed. This earned them a reputation in providing excellent housing options for the Filipino people.

As well as external, internal control is diligently practiced within Crown Asia operations to maintain quality standards. Their “Pillars of Excellence” echoes in every project as the property developer strives to ensure that the company’s essence is never lost. Accordingly, these pillars are:

·        Safety and Security – building a community that keeps homeowners safe and secure.
·        Affordable Luxury – high-quality design and durable workmanship that’s both affordable and comfortable
·        Exclusivity – an otherworld community distinctly separated from the city’s influences
·        Accessibility – offers easy access to business districts, schools, malls, airport, and more.
·        Prime Investment – ownership of homes that last and continues to appreciate in value over time
·        Country Club Amenities – access to amenities exclusive to homeowners including ample space, pools, sports areas, etc.

Filipino Homeowner – An Investment

Homes have long been considered an “investment” within the Filipino community – a testament to comfort well-earned after a hectic workweek at the capital’s business district. Crown Asia reaffirms that belief by providing lasting homes in locations that appreciate in value over time.

When asked, many Filipinos confess to the fact that having their own home – paid for lock, stock, and barrel – is one of their life goals and considered to be a heavy achievement. In a capital that boasts of massive population and very little space to build, having your own home not only speaks of success but also of comfort, security, and being able to provide for your family.

Crown Asia paves the way in making this Filipino dream a reality through several housing options and price ranges. Flexible payment options make the Crown Asia residential ownership more viable for Filipinos looking forward to their own home. A recent study reveals that roughly 41% of Filipino families live in rented homes rather than ones they actually own. In comparison, the Chinese community has around 81% of its population as homeowners.

Still, the desire to have their own homes is strong in the Filipino culture. What mostly stops Pinoys from building is the lack of sufficient funds coupled with the shrinking number of available lands to build on. Although land in provinces is extensive, proximity to business districts – and therefore the availability of jobs – is still a factor heavily considered by Filipino homeowners.

The Philippine government strives to answer this problem by providing several housing loan opportunities – the most notable of which is PAG-IBIG. Dubbed the “Home Development Mutual Fund,” the system has been in place since 1978 – but it seems as though few Filipinos make use of this particular option. It may also be argued that although PAG-IBIG has been in effect for close to 40 years, it is only within the last decade that the local government unit aggressively pushed its features and benefits to the Filipino public.

Property developers like Crown Asia works hand-in-hand with PAG-IBIG and other home financing units to further increase private housing ownership within Filipinos. Although the property developer does not accept direct PAG-IBIG financing, a Letter of Guarantee may be reached between the client and Crown Asia.

Typically, 20% fund is accepted by the housing company with the 80% negotiated through PAG-IBIG. The Letter of Agreement must be processed personally by the client with a loan approval presented by construction can be made. Monthly amortization of 19% is set in place until the Letter of Guarantee is provided to Crown Asia management. Loan term is usually 10 years to pay – maximum.

Bank financing is also an accepted road towards house construction within Crown Asia. As with PAG-IBIG, the deal is closed between the client and the bank with the client responsible for providing all the necessary papers to push through with the construction of the house.

Considering all the factors to be considered when building your own home in private land, combined with the steadily rising cost of materials, now might be the best time to start building. Calculated over the number of years, the interest rate proves to be cheaper than saving up and building a private home, especially with the inflation.

About Crown Asia

A subsidiary of Vista Land and Lifescapes, Inc., Crown Asia prides itself as the largest developer of communities by building in strategically chosen areas. For the last 35 years, Vista Land  and Lifescapes Inc. is credited with the development of more than 250,000 housing units through its subsidiaries including Crown Asia, Britanny, Vista Residences, and Camella.

Crown Asia website offers further access to company service and products. Interested homeowners can customize searches based on property location, unit type, and price range in narrowing the kind of home they want. Access to houses, lots, designs, and customer care are also provided through the official domain. Subscribe to the official Facebook Page for updates. For more information or queries about housing projects by Crown Asia, check out their Frequently Asked Section.

Contact Information

Website: crownasia.com.ph
Local Inquiries: +632 837 1400
US Direct: 1213 4020 494
Facebook: facebook.com/CrownAsiaOfficial