September 2014 – Hot Fun Stuffs

September 26, 2014 HotFunStuffs 2 Comments

We all know that we cannot control the air we breathe outside our home, but it’s a different thing on indoor air quality. All we need is just a technology that could protect us and our loved ones.

The accumulation of dust, molds, and other gases that are emitted by everyday household activities can lead to poor indoor air quality – and you may not even be aware of it. As a result, you or those living with you can suffer ailments such as headaches, eye irritation, allergies and respiratory diseases.

Sharp offers a more comprehensive and scientifically proven way to make sure your indoor air quality is healthy and safe for the whole family – Plasmacluster Ion (PCI) Technology, providing “Clean and Safe Air Inspired by Nature”. PCI, an exclusive air purifying technology from Sharp, makes use of positive and negative ions – similar to the ones found in nature – to deactivate the effects of invisible airborne threats such as bacteria, viruses, and allergens. It can also reduce clinging odors and the growth of molds. It works by attacking microbes right on their surface protein, instantly limiting their hazardous risks. The broken down components of the protein then return to the air as water, which provides just enough moisture to the atmosphere.

PCI’s advantages have been proven by many leading scientific research laboratories in Japan the UK, USA, and Germany. These studies prove that PCI can eliminate the effects of airborne viruses, microbes, and molds by 99 percent; it can also remove airborne allergens and the static electricity which makes dust settle on surfaces. One way to measure its efficiency is its potency against odors.

We are glad to have one.

Its success has made PCI a go-to tool to clean the indoor air in the offices of many organizations and industries worldwide. In Japan alone, it is being used in taxis, fast food chains, and factories to great and acclaimed effect.

Plasmacluster Ion Technology can counter many airborne threats because it is found in many of Sharp’s products. Plasmacluster Air Purifiers, which discharge high density Plasmacluster Ions, and Sharp’s Plasmacluster Inverter Air Conditioners purify the air in your home while providing cooling comfort.

Because Plasmacluster Ion Technology is likewise effective in combating the growth of molds and preventing air dryness, it can also be found in select Sharp PCI Refrigerators.

With you and your family, there is no such thing as “too safe” – especially when there is a proven way to make sure your home environment is conducive to good health. Do not wave off a simple cough or a morning cold because this can lead to something more serious. Surround your home with clean and safe air inspired by nature, courtesy of Sharp Plasmacluster Ion Technology, to improve your daily life.

Trust Sharp to come up with products that aim to make your life easier and better – no frills and fuss, just simple engineering marvels for the home and beyond. All these are made as part of Sharp’s “Our Brand, Our Pride” philosophy, a commitment to uplift the quality of life of Filipinos by providing them with quality home appliance products.

To find out more about Sharp (Phils.) Corporation’s line up of quality products, visit www.sharp.ph.

Disclaimer: This is a guest post/ Press Release. The site author is not responsible to any of the content below.

September 24, 2014 HotFunStuffs Leave a comment

If you’re not considering investing on pensions, better re-think and study its advantages. If you can save on banks, why not on retirement plans?

The majority of Filipino investors are satisfied with their government pension – but that sentiment is based on specific assumptions and a cash-dominant approach to retirement working out, according to the latest Manulife Investor Sentiment Index.*

Two-thirds of respondents said that they are confident that their government pension would be enough to meet their needs upon retirement – the highest level of all surveyed markets. In contrast, across all surveyed markets the proportion of confident investors was less than 40 percent, and as low as one-in-ten in some markets.

While such optimism seems positive, the survey shows it is based on some risky assumptions. First, investors expect their retirement income to be relatively high, at 92% of their current income – the highest estimate among all surveyed markets (Asia average 69%). Second, they expect their retirement expenses to be relatively low, at just 61 percent of their current income, at the lower end of surveyed markets (Asia average 66%). Third, nearly all (95%) said that in retirement they expect to rely on private healthcare – by contrast, in every other market only a minority expected to rely on private healthcare (Asia average 38%).

“Filipino investors have high estimates of their retirement income. Even if these turn out to be right, they may not be enough to cover their actual costs,” said Ryan Charland, CEO of Manulife Philippines. “Today, people generally expect their retirement to be active, and that means expenses will likely be much higher than what many realize. In addition, healthcare tends to cost a lot more than people expect. In Asia healthcare costs have risen about twice the rate of inflation over the past 10 years. Of course, it’s even more expensive if you go private.”

The survey highlights that Filipino investors have a high degree of reliance on their government pension, with only one in five owning an additional, private pension plan. Instead, many expect to fall back on other, less assured, largely cash-forms of income, notably savings (which they expect to make up 37% of their retirement income) and inheritance (12% of their retirement income) – in both cases the highest reliance of any surveyed markets. This cash-dominant approach to retirement is reinforced by the finding that, on receiving their pension, Philippine investors plan to deposit nearly half into the bank, the second-highest level of all markets (Asia average 35%).

“We know that Filipino investors like to hold cash and are among the most cash-heavy investors in Asia. The latest survey shows us they also plan to be Asia’s most cash-reliant investors when retired,” said Mr. Charland. “Keeping cash in the bank provides minimal returns, which may not even keep up with inflation. Their retirement optimism would have a sounder basis with a more balanced portfolio, especially given that retirement today can last 30 years or more.”

About Manulife Investor Sentiment Index in Asia

Manulife’s Investor Sentiment Index in Asia is a quarterly, proprietary survey measuring and tracking investors’ views across eight markets in the region on their attitudes towards key asset classes and related issues. The Index is calculated as a net score (% of “Very good time” and “Good time” minus % of “Bad time” and “Very bad time”) for each asset class. The overall index is calculated as an average of the index figures of asset classes. A positive number means a positive sentiment, zero means a neutral sentiment, and a negative number means negative sentiment.

The Manulife ISI is based on 500 online interviews in each market of Hong Kong, China, Taiwan, Japan, and Singapore; in Malaysia, Indonesia and the Philippines it is conducted face-to-face. Respondents are middle class to affluent investors, aged 25 years and above who are the primary decision maker of financial matters in the household and currently have investment products.

The Manulife ISI is a long-established research series in North America. The Manulife ISI has been measuring investor sentiment in Canada for the past 15 years, and extended this to its John Hancock operation in the U.S. in 2011. Asset classes taken into Manulife ISI Asia calculations are stocks/equities, real estate (primary residence and other investment properties), mutual funds/unit trusts, fixed income investment and cash.

About Manulife

Manulife is a leading Canada-based financial services group with principal operations in Asia, Canada and the United States. Clients look to Manulife for strong, reliable, trustworthy and forward-thinking solutions for their most significant financial decisions. Our international network of employees, agents and distribution partners offers financial protection and wealth management products and services to millions of clients. We also provide asset management services to institutional customers. Funds under management by Manulife and its subsidiaries were approximately C$637 billion (US$597 billion) as at June 30, 2014. We operate as John Hancock in the U.S. and as Manulife in other parts of the world.

Manulife Financial Corporation trades as ‘MFC’ on the TSX, NYSE and PSE, and under ‘945’ on the SEHK. Manulife Financial can be found on the Internet at manulife.com.

Disclaimer: This is a guest post/ Press Release. The site author is not responsible to any of the content above.