Mommy Pehpot, Author at Mommy Pehpot

Globe At Home Effective Online Parental Control Tip

While parents try to teach their kids discipline and discernment in real-life situations, another area that needs their attention and guidance is how their children interact online. Since the internet is abound with an interminable supply of information and chances for interaction, parents need to exercise a considerable yet respectful level of control as regards to their child’s internet usage to protect them from risks present in the World Wide Web.

This is a pressing issue especially for a digital native-filled market such as the Philippines. In 2018, a study conducted by international think tank DQ Institute showed that the average Filipino child spends 34 hours per week in front of digital screens for entertainment, two hours higher than the global average. Filipinos aged 8-12 years old are also more exposed to “unhealthy habits of digital usage” as well as to cyber risks such as cyber bullying and online sexual behavior as shown by their screen time score of 96 which is lower than the global average of 100.

While there are so many wonders that the internet has brought, there are real dangers when children are left totally unsupervised in their use of it. While there is no denying that the internet has become their go-to hub for information, games and interaction through social media, parents should always keep their children’s curiosity in check.

With this goal, Globe launched “#Rated PC (Parental Control)”, an advocacy campaign to emphasize among Globe At Home Postpaid subscribers and other Filipino parents and guardians the importance of parental supervision with regard to children’s internet use.

“It may not be enough to just teach kids about whom to talk to, safety in and out of the home, what to read or watch on TV; parents should also guide their kids when it comes to their online experience,” explains Martha Sazon, Senior Vice President and Head of Broadband Business of Globe Telecom. “#Rated PC aims to educate and empower these parents in how they can maximize the benefits of their kids’ internet usage such as learning and collaboration while minimizing risks and dangers present in the online world.”

For implementing effective and easy parental control, Globe At Home offers some quick tips:

Limit Screen Time

Perhaps limiting their screen time can do the trick, except when it involves real school work. With this, they can learn to manage their screen time efficiently by dividing their allowable time between school assignments, research, play or simply surfing the web.

Protect Identity and Security

Emphasize the importance of protecting their privacy and identity by not giving out personal information like their passwords to unknown sites or digital strangers. More importantly, just as they are taught about “stranger danger” in reality, they must learn that this applies in the online world as well. It’s like teaching them not to divulge their personal information to people they meet for the first time and not going anywhere with a stranger.
 

Check Sources

While the internet is deemed a source of information, it can also be a platform for mis- or dis-information, which is why the phrase “Fake News” was born. Teach children to check sources and go to credible sites for news. From time to time, kids should be reminded that not everything they see or read online is true.

 Online responsibility

If the practice of observing courtesy and respect at home, school or other places is encouraged among children, the same should be done whenever they are online. Children should be taught the basics of exercising courtesy when it comes to communicating online, either with their peers or older individuals, as if they are speaking to the one at the other end of the line in person. No vulgar or hurtful words, profanities, body shaming, name calling or “cyberbullying” and other hurtful actions.

Activate parental control

Online vigilance is certainly not easy for a parent who already has so many concerns in managing a household and caring for a family. However, there are several options for parents in order to help them with this concern.

Internet service providers usually bundle parental control features for their online service. The TP Link Device which is bundled especially for Globe At Home Postpaid subscribers is a great option.

It allows parents to easily set up controls for their kids to secure their online experience. With these features, parents and guardians can protect their kids from various online threats, safeguard their network from unwanted content, restrict or block access to unsuitable sites, deploy anti-virus software, manage all connected devices, and even enhance WiFi signal inside the home.

For more about Secure WiFi Bundle and other products and services by Globe At Home, visit https://www.globe.com.ph/broadband.html.

Lend and Get Out of Crisis

Lending (also called “financing”) in its most general sense is that the temporary giving of cash or property to a different person with the expectation that it’ll be repaid. In a business and monetary context, loaning includes many various kinds of business loans. Lending and borrowing are similar transactions from the two viewpoints.

 What is a Lender?

Lenders are businesses or monetary establishments that lend cash, with the expectation that it will be paid back. The loaner is paid interest on the loan as a value of the loan. The higher the chance of not being paid back, the higher the interest rate.

Lending to a business (particularly to a replacement startup business) is risky, which is why lenders charge higher interest rates and often they don’t give small business loans.

Lenders don’t participate in your business within the same method as shareholders in an exceedingly corporation or owners/partners in different business forms. In different words, a lender has no ownership in your business. Lenders have a unique reasonably risk from business owners/shareholders. Lenders precede homeowners in terms of payments if the business cannot pay its bills or goes bankrupt. That means that you simply should pay lenders back before you and different homeowners receive any cash in an exceedingly bankruptcy.

 What Are the Types of Commercial Loans? 

Bank financing for small business start-up and working capital
Asset financing for equipment and machinery or business vehicles.
Mortgages
Credit card financing
Vendor financing (through trade credit)
Personal (unsecured) loans

The type of loaner you’ll want for a commercial loan depends on these following factors:

Amount of loan: The amount of money you want to borrow influences the type of lender.
For larger loans, you will want a mixture of kinds of business loans.

Assets pledged: If you have business assets you can pledge as collateral for the loan, you can get better terms than if your loan is unsecured.

Type of assets: A mortgage is typically for land and building, while an equipment loan is for financing capital expenditures like equipment.

Startup or expansion: A startup loan is typically much more difficult to get than a loan for expansion of an existing business. For a startup, you will ought to scrutinize a number of the additional non-traditional kinds of lenders delineate below.

Term of the loan: How long do you need the money?
If you wish a short-run loan for a business startup, you will be looking for a different lender than for a long-term loan for land and building.
What are Different Types of Lenders?

The most common lenders are banks, credit unions, and other financial institutions.
More recently, the term “lender” has been expended to refer to less traditional sources of funds for small business loans, including:

Peer-to-peer lenders: borrowing from individuals, through online organizations like Asteria Lending.
Crowdfunding: through organizations like Kickstarter, and others.
The good factor concerning these lenders is that they do not need interest payments!
Borrowing from family and friends: There are organizations that help sort out the tricky financial and personal issues involved with these transactions. If you’re considering a loan from somebody you recognize, be sure to create a loan agreement. These agreements are sometimes called private party loans.
Borrowing from yourself: You can also loan money to your business as an alternative to investing in it, but make sure you have a written contract that specifically spells out your role as a loaner, with regular payments and consequences if the business defaults.

Loan Servicing

Borrower’s obligation entailing timely compensation of loan interest and principal per the terms of the loan agreement. Diligent loan mating is a crucial component within the trustworthiness of a recipient, and is punctually recorded by the financial organization within the borrower’s credit history, and in the credit report shared with other lenders. In real estate, this is called mortgage servicing.

 Lending Standards

Policies that are set in place to create universal guidelines within a financial institution for all potential borrowers. Lending standards may vary from one financial institution to another and from one region to another. For example, a national bank may have lower requirements or lending standards for potential clients than savings and loan institutions. This may be because national banks generally have greater access to capital.
Lending Institutions
Organizations such as banks, credit union, and finance company which make loans. It may or may not also be a depository institution.

Lending versus Investing

In stocks you’ve got the company’s growth on your side. You’re a partner in a prosperous and expanding business. In bonds, you’re nothing more than the nearest source of spare change. When you lend money to somebody, the best you can hope for is to get it back, plus interest

Benefits of P2P Lending for both Lender and Borrower

The peer-to-peer lending industry (P2P) has moved at warp speed since inception in 2005, when the first peer-to-peer lender, launched in the United Kingdom.
There are now more than 20 firms worldwide offering would-be borrowers solid alternatives to more traditional bank lenders and business loans. Some of these peer lenders specialize in school loans and micro lending, but the largest players — Lending Club and Prosper — will provide funding for any purpose.
Unlike traditional lenders, there are no penalties or higher interest rates to a borrower who wants to use funding for what some might consider more risky reasons like consolidation of debt or to pay off medical expenses.

Looking for a Lender?

As you hunt for a loaner, consider the type of loan you need, whether you have any assets to pledge against the loan, and the other factors that will determine your ability to urge a commercial loan and therefore the terms of that loan. For more information, reach us at AsteriaLending. Be ready by making aprivate financialplan,abusiness arrange and monetary statements for your business.As we are here to assist you any way.

Asteria Lending

Asteria Lending is the rapidly growing and well organized organization of Philipines that provides loan at the lowest interest rates and completes the whole process in very short making Asteria Lending “The Fastest Loan Providers”. Moreover you are free to choose your amount and tenture.

Top 3 Laundry Soaps For Hand-washing

Nowadays, even though automatic washing machine are everywhere and quite affordable, some people still prefers hand washing their clothes. Hand washing your clothes can be a great advantage specially for expensive clothes. It is also advisable to hand wash your underwear and brassieres. Baby clothes usually lasts longer if it is hand-washed. There are many advantages of hand washing and most of these is for the benefits of the clothes.

The only disadvantage most people see is how it can damage the hand specially if the laundry soap used is very strong. It all boils down to the kind or brand of soap that you should use to ensure that your clothes and your hand is well taken care of. A group of moms recommends this 3 brands of soaps that are friendly to the hands is OK to use even though the washer have sensitive skin.

Top 3 Laundry Soaps For Hand-washing

Perla. Surpassingly, this always comes first. This is the oldest soap brand most Filipina can remember and though a lot of them uses it f

Perla photo from Perla’s Facebook Page.

Perla’s main component is coconut oil and it leaves the skin well moisturized that is why it is OK to use even for sensitive skin.

Champion Bar. No wonder this soap has been around for long since it really is an effective and safe laundry soap. Moms testify that Champion bar is ok to use even though you have sensitive skin and it won’t damage your hands. Although not as effective as Perla when it comes to leaving the hands moisturized, Champion bar is easier to rinse on clothes.

Cyles is one of the laundry soap mentioned. Cycles is a brand specially made for baby clothes. It’s surprising that this brand is very mild and OK to use for sensitive skin. The real intention of the brand is as a laundry soap for sensitive skin. Other brands that are intended for baby clothes and is very mild are Tiny Buds, and Smart Steps.