E1
SUNDAY, FEBRUARY 26, 2017 Isah V. Red, Editor
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Young Life
Bernadette Lunas, Issue Editor isahred@gmail.com.ph
WHY YOU NEED TO SAVE FOR RETIREMENT TODAY
By Bernadette Lunas
L
ET’S talk about retirement; particularly your finances once you set sail into your sunset years.
For today’s youth, thinking about saving for retirement seems unnecessary because we think we have more working years left to earn money. “Why not spend your hard-earned cash on things and experiences that you can enjoy while you’re still young and able, right?” argues a twenty-something professional. While that person, which could be us in one way or another, is right, we have also been told time and again by older folks to start investing for our future while we’re young. And they might be right. According to a recent study of an insurance company, millennials in the Asian region are at substantial risk of a cash crunch during their later years. Millennial investors, surveyed as part of the Manulife Investor Sentiment Index (MISI), revealed very mixed expectations about the quality of their financial futures. Despite optimism about their retirement—nine out of 10 said they expect to be able to maintain or improve their standard of living in retirement—nearly one third or 30 percent expect to run out of money later on in life. “Millennials may have been led to feel a sense of optimism for an improved post-retirement living standard, which is potentially misplaced,” says Michael Dommermuth, head of Wealth and Asset Management-Asia for Manulife. Today’s young generation expect challenges that will threaten their financial security later in life. Four in 10 or 38 percent are expecting to take on the responsibility of financially supporting both their parents and children at the same time. They are also concerned about the impact of health on their finances, with 39 percent expecting healthcare to become too expensive during retirement, and 43 percent foreseeing their health to deteriorate to the point where they can no longer work. In addition, majority or 71 percent of millennials anticipate working past their retirement age. “It’s sobering to see how many investors, especially young people, recognize that there are risks to their retirement. Longer lifespans and later retirement will place increasing demands on investment funds,” says Dommermuth. With these findings, he emphasizes that younger generation should plan strategically to begin accumulating wealth at an early life stage. A common rule of thumb is to accumulate around 25 times the amount you expect to spend in your first year of retirement. To ease you up in your saving, you can sett aside P1,000 monthly for retirement, by doing this you can have P480,000 sure money once you retire after working for 40 years. You can augment this by adding more to your retirement fund and investing in real estate and other investment options. Manulife officials however opine that millennials investing in emerging Asian countries will likely
Run errands or go to school looking comfortable and cool
5 RELAXED STYLES FOR ON-THE-GO GUYS
READY TO RETIRE. Having fun spending all your money on things and travels? You should probably consider saving up for your financially comfortable future that is full of worthwhile adventures.
fare better than those buying a home in maturing Asia where slowing growth and aging population can dampen real estate markets. “They owe it to themselves to consider every option available to them in order to plan more effectively for their future,” says Dommermuth. At the end of the day, the best time to save is now. As Manulife president and CEO Roy Gori puts it, “Young people today will need to start saving and investing sooner rather than later. Otherwise they face a retirement of anxiety, not adventure.”
IF YOU’RE a guy who leads a busy life and have little time to think about what to wear daily, having key wardrobe essentials— like classic clothes and quality shoes—that you can mix and match together is the way to go. Contrary to popular belief, you don’t need to look stiff and rigid as you get things done; you can still be the man on top while looking chill and relaxed.
Dapper from 9 to 5
Take it easy in the office by dressing down your usual formal attire while still looking workappropriate with polo shirt in muted color, chinos and Skechers Relaxed Fit slip-on shoes.
Stylish scholar
Be well dressed as you work on acing that test in classic pieces, like white button down, khaki pants, and Skechers Go Vulc shoes. A style statement for students with its functional and stylish silhouette, this footwear looks effortlessly cool while on the go.
Cute and comfortable
Stay comfortable in style whether you’re chilling with friends or running errands outside. Opt for polo shirts, basic jeans and Skechers Relaxed Fit or Go Vulc. Turn to E2
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Netflix and chill in relaxed outfits that you can also wear outside
BULLETIN BOARD
PUP CREATV CELEBRATES #4FECT ANNIVERSARY By John Ray Villanueva
Students celebrate the 4th anniversary of PUP's online multimedia channel PUP CreaTV
THE Polytechnic University of the Philippines’s online multimedia channel PUP CreaTV celebrated its 4th anniversary as it strived its way to “#4fection.” Founded in 2013, PUP CreaTV is the first university-based online channel in the Philippines. It aims to maintain its legacy as “Tanglaw ng Bayan,” not only to the students of the state university but also to a wider audience.
One of the founders, Communication Management Office director, Professor Kriztine Viray said the online channel started as a simple idea. “Hindi namin alam kung paano uumpisahan, [dahil] wala kaming gamit. (At first we didn’t know how to make the idea come to life because we had no equipment),” Viray said in recollection. Through the years, PUP CreaTV continues to manifest the success of a simple idea.
In keeping its promise to remain entertaining, critical and inspirational, the online channel re-launched its leading show. The Observer Flash is a news program that provides deeper contexts to news and current events happening in the university and the whole country. V-PUPian is a values-formation program that talks about the values every PUP student embodies during their stay in the university. State U, on the other hand, is a documentary program that Turn to E2
Young Life
E2
SUNDAY, FEBRUARY 26, 2017 isahred@gmail.com
5FromRELAXED... E1
Get things done in ensemble with youthful vibe
Weekend warrior
Keep laid-back look on point during staycations with casual tops and shorts paired with comfy slip-ons in grays, blues or blacks.
Fashionable jetsetter
Keep your travels as easy as ever in ensembles that let you move freely and comfortably wherever part of the globe you might be. Layer up in versatile tops that can be easily interchanged and choose shoes that are versatile—most importantly those that provide extreme comfort as you go from one destination to another. Skechers stores are located at Glorietta 2, TriNoma, SM North Edsa-The Annex, SM Mall of Asia, Robinsons Place Manila, Robinsons Galleria, Gateway Mall, Market! Market!, Lucky Chinatown, Alabang Town Center, SM Southmall, Festival Mall, SM Bacoor, SM Dasmariñas, Paseo Sta. Rosa, SM Fairview, Fairview Terraces, SM Clark, Marquee Mall, SM Pampanga, SM Iloilo, Ayala Center Cebu, SM City Cebu, SM Seaside Cebu, Pueblo Verde Cebu, SM Bacolod, SM Davao, Abreeza Mall, Gaisano Mall Davao, Ecoland Davao, LimKetKai Mall CDO, Centrio Mall CDO.
A KPMG International study reveals important facts about online consumers from different generations
ONLINE SHOPPING TRAITS OF MILLENNIALS I
T IS truly a great time to be a shopper and alive. Because while 71 percent of baby boomers say it is but important when shopping online. of the omnipresent Internet, today’s consumers no longer need to go to shops to buy goods; we can now do Millennials prefer personalized interactions than it anywhere, anytime. customer support
“Competition is no longer limited to local shops during regular business hours. Consumers can easily buy from retailers and manufacturers located anywhere in the world—or from those with no physical retail locations at all,” notes KPMG International’s global chair for Consumer Markets Willy Kruh. Understanding that keeping pace with what drives people to shop online is critical to succeeding in the digital world, KPMG International commissioned Intuit Research to conduct a survey of global online shoppers. The study analyzes the online shopping preferences and behaviors of more than 18,000 consumers, ages 15 to 70, who have purchased at least one product online in the past 12 months. Respondents are from 51 countries. Here are 5 notable things the study have found about millennial online shoppers:
Millennials spend the least among older generations
Apparently, tech-savviness does not equate to spending more money online. Average purchase of Gen Y (born between 1982 and 2001) shoppers amount to $173, lesser compared with $190 for Generation X (1966 to 1981) and $203 for baby boomers (1946 to 1965). “Stage of life and income levels are certainly primary factors driving both online and offline shopping. And Generation X consumers, many of whom are more established in their careers may be building homes and families, are likely buying more consumer goods than the younger millennials overall,” comments Kruh. He remarks, however, that as millennials continue to enter workforce and adulthood, their online shopping activity is ex-
pected to surge and even surpass the levels currently exhibited by older generations.
Millennials are the least motivated to locate hard to find items
Online shopping websites have allowed consumers to find rare or limitededition items, but Gen Y shoppers would most likely be called out for being shorttempered once again as the KPMG study shows that they are are the least motivated to locate these products despite having Internet connection. Only 17 percent of millennial respondents are motivated to search hard to find items online, lower compared with the 20 percent average among all consumers, and 20 percent for Gen X and 26 percent for baby boomers. In fact, the young online shoppers are also the least concerned about being able to see real-time product availability—cited as important by 28 percent— versus 36 percent of Gen X and 37 percent of baby boomers.
Millennials are the least concerned about data protection
When it came to earning trust, consumers of all ages agree that protecting their data and information is most important (63 percent). Although among generations, millennials are the least concerned about this issue, albeit still considering it important, with 56 percent. Sixty-six percent of Gen X ranks it as high priority,
The study reveals that excellent customer support is the number one loyalty-earning attribute for online shops, followed by exclusive promotions and offers, and loyalty membership programs. But across all generations, more baby boomers place high importance on customer support, at 74 percent, 66 percent for Gen X and 59 percent—lowest—for Gen Y. Younger consumers, on the other hand, tend to be more loyal to companies that offer personalized interactions, such as customized promotions, anticipation of needs, having a sense of community, oneon-one engagement on social media, online games, concierge services, and other interactive experiences.
Millennials are most likely to post a review
Overall, 31 percent of consumer respondents say their have shared a product review online, but millennials are most likely to post a review at 34 percent, more compared with Gen X at 29 percent and baby boomers at 28 percent. Nearly all (or 92 percent) of these reviews, however, are positive. These reviews are posted on seller’s website (47 percent), Facebook (31 percent), and manufacturer’s or brand’s website (18 percent). Millennials also frequently post on other platforms such as WhatsApp, Instagram and Twitter. Bernadette Lunas
SHOP ON YOUR LAPTOP.
Layer up in versatile tops whenever you travel, don't forget comfy footwear to take you from one destination to another
Young and old consumers no longer need to go to retail stores to shop, they're now doing it on their mobile devices anytime, anywhere.
PUP...
From E1
features true and inspiring stories of students, faculty members and employees of the community to encourage and motivate the viewers. A magazine program, Pinakausap-Usapan sa Pamantasan talks about trending topics. Lastly, LOL: Learn On-Line is an educational program that serves as an alternative learning resource to students who want to learn more in various subjects such as Mathematics, Science, English and Filipino.
Co-founder Professor Kriztine Viray recounts how the multimedia channel started
WHICH JOB PAYS THE MOST?
EMPLOYEES in information technology industry apparently are the few earning the highest monthly salaries, according to recruitment website JobStreet.com. In its Salary Report 2017, the website revealed that junior executives, or those who have one to less than five years of experience in IT-related industries earn an average of P37,304 a month. Samples of IT specialists are web and software developers, system administrators and analysts, and project managers. In the Philippines, these employees make up only 367,000 or one percent of the total labor force, according to January 2017 data from the Philippine Statistics Authority (PSA). On the second spot is law or legal services, whose employees earn a monthly average of P29,430—a far cry from the top-paying industry. Those who are engaged in training and development take home P27,253 monthly on average. Other top-paying industries, according to the website, are banking and financial services, actuarial science and statistics, public relations and communications, healthcare, journalism, customer service, and advertising and media planning.
Employees in the IT industry take home the most money monthly, according to a recruitment website
Showbiz
SUNDAY, FEBRUARY 26, 2017
LOISA ANDALIO
PUTS BEST FACE FORWARD the roles I play where I always have to be different characters, both shows allow me to be myself and give me the freedom to have fun with different make-up looks.” The self-confessed beauty enthusiast is also proud to say that she regularly does her own make-up for Showtime. She shared, “As a teenager, I have always liked beauty products. I’ve been doing my own make-up for a long time, and this helped me discover the type of make-up look that works for me, which is usually feminine and fresh.”
BLOSSOMING. Loisa Andalio, 17, is one of the freshest faces on
O
NE of the most exciting— and challenging—parts of being a showbiz personality is being on social media. For upcoming talent Loisa Andalio, who has 537,000 Twitter followers and a whopping 1.7 million Instagram followers, social media presence is both an advantage and a disadvantage.
Nadine Lustre Known for her cohesive Instagram feed, the other half of the popular JaDine love team has an Instagram army of 3.4 million. She can attract hundred thousands virtual likes with her post that normally features her travels in and out of the country together with James Reid. Marian Rivera She is one of the hottest millennial moms of Instagram. Since she gave birth to Baby Zia, the 31-year-old Kapuso star has been on everybody’s feed enjoying her latest posts about her life as a mother, a busy product endorser, and a visible TV star. She has 3.4 million followers.
Julia Barretto With 3.2 million followers, the young Barretto is by far the most popular teen star on the social media realm. Fans can’t get enough of her daily updates on her latest movies and TV projects. Unlike other celebrities she rarely posts anything personal. James Reid Excluding Vice Ganda, he is the only thorn in this list that is dominated by roses. Hence, it is safe to say that he’s the most influential local male celebrity on Instagram. Known for his username jaye.wolf, the 23-yearold hottie is a bit artsy when posting pictures. If you’re lucky, you would stumble upon some shirtless snap while he’s frolicking on a beach.
CROSSWORD PUZZLE Sunday, February 26, 2017
55 Exxon mergee 56 Far from land (2 wds.) 58 Terra — 59 They may be long 62 Warning floats 63 Milan’s La — 64 Large movie ape 65 Consumer advocate 67 “— fightin’ words!” 68 Dik-dik’s cousin 69 Milkmaid beloved of Krishna 71 Regularly 73 Makes public 74 Pilgrimage site 76 — Calhoun of oaters 77 Scent finders 78 Cagney’s partner 79 Firmed up 80 Missouri tributary 81 A king of Crete 82 Galvanizes 83 Thick of things 85 Pimiento holder 86 Actress — Day 87 Fencing needs 89 Bad, as weather 90 Gets hip, with “up”
Pia Wutzbach The former Miss Universe is confidently beautiful with 3.9 million strong Instagram followers. From a few hundred thousand her followers before winning a crown, she now earns the distinction of being the most followed Miss Universe titleholder.
Alex Gonzaga She’s just 1 hundred thousand short before she could eclipse the number of fans and likers that follow her elder sister. Alex generally promotes happy vibes with photos and video clips that go viral a few minutes after she uploads them. She likes posting photos of her nephew.
For one, it has made her more open to fans. At the same time, haters and bashers also have easy access to her account. And yet, the young celebrity believes it’s all part of the game. In an interview during a shoot for Ever Bilena Cosmetics for which she is a brand ambassador, Loisa recognizes that having haters and bashers comes with the industry, and she is also wise enough to ignore them in favor of her fans. A former member of a girl group named 3G, Loisa rose to fame when she became one of the teen housemates of Pinoy Big Brother where she was dubbed as the “Talented Darling of Parañaque” for her ability to sing, dance, and act. She continues to live up to this title by making sure she looks and does her best in every performance on the Sunday musical variety show ASAP where she is a regular, as well as the daily noontime show It’s Showtime as one of the members of a 21-member girl group named Girl Trends. “I love being (sic) on ASAP and Showtime because I am able to showcase my love for dancing and singing,” says Loisa. “Unlike
104 Cynic’s retort (2 wds.) 105 Folly 106 Small and shiny 108 Lip cosmetic 110 Oxford omega 111 Co-founder of GE 114 Burns and Allen 115 Braga of “Kiss of the Spider Woman” 117 A laughing matter 120 Topaz or opal 121 Gathered dust 123 Marmalade chunks 125 Compass before compasses 127 Pass, as a bill 129 Shaman’s quest 131 First-rate 133 Rich cake 134 “Like a Rock” singer 135 Fibber of radio 136 Fluffy quilt 137 He drove the Moors from Spain (2 wds.) 138 Hearty steak 139 Atlanta campus 140 Sorority members 141 Feels dizzy DOWN 1 Brake parts 2 Ready to go (2 wds.) 3 Sordid 4 Canal of song 5 Fine violin, briefly 6 Jane Eyre, for one 7 Nile sun god (2 wds.) 8 Like many models 9 Mouths, in biology 10 Lip- — 11 “The Rumba King” 12 Coral reefs 13 Pizza feature 14 Recurrent twitch 15 Maui neighbor 16 Nocturnal marsupial 17 Pal in Dijon 18 Fiery dance 19 Gullible person 20 — luego! 30 Chortle 32 Orchestra members 34 Cat calls 40 — Dawn Chong 42 Transvaal settlers 43 Mercury rival 44 Birch 45 Caviars 46 Turn — — ear 47 Smoke or mist 48 Gourmet mushroom 49 Ocasek of The Cars 50 Blond shade 51 Sci-fi’s Jules — 52 Turned white 54 Valerie Harper role
TOP CELEBRITIES...
From E4
Toni Gonzaga Like Marian, the TV host and actress also has 3.4 active followers. The mother-of-one rarely posts photos of her personal life, but when she does, the photos attract thousands of likes almost instantly.
TV. She's also a trusted brand endorser being the face of a popular cosmetic brand.
ACROSS 1 Gives medicine 6 Moon rings 11 Craft knife (hyph.) 16 Jeans iron-on 21 Like helium 22 Manicurist’s board 23 Posh hotel lobbies 24 Old cattle town 25 Ramp alternative 26 Goneril’s victim 27 Speak up for 28 Type of headache 29 Progressed (2 wds.) 31 Slinkies 33 Verbal stumbles 35 U.K. clock setting 36 Bond, for one 37 Holstein’s home 38 Money or safety — 39 A lover of Zeus 41 Merkel of the movies 42 Crass sorts 44 Kitchen emanation 46 Nothing special 51 Field mouse 52 Break ground 53 Ms. Bombeck 57 Breakfast pastry 58 Grazes 59 Green minerals 60 Summer forecast 61 Geologic period 62 Whirring sounds 63 Flatfish 64 Dials 66 NASA assent (hyph.) 67 Pivots 68 Yellow pigment 69 Rock band helper 70 Cold, in Cuba 72 Back from work 73 Mark the herd 74 Meditation aid 75 Norse love goddess 77 Toe coverers 78 Shelf 79 Small drums (hyph.) 82 “— the Greek” 83 Jet-speed unit 84 Took a taxi 88 Willow shoots 89 Child of Japanese immigrants 90 Good witchcraft 91 Prune 92 Au pair 93 Jet routes 94 Front of an LP 95 Bell tower 97 I, to Nero 98 Juicy pears 99 Finicky 100 Singer — Nicks 101 Fam. tree sprig 103 Live by one’s —
With her sweet face, gentle voice, and feminine personality, she is definitely the perfect millennial endorser to be chosen for the country’s leading cosmetics brand. The most important thing about being in the public eye is to make sure you give it your best shot – whether it’s in your performance, your fashion sense or your looks. As Loisa explains, “I want to look my best and give my best performance all the time, because it’s the only way to thank and inspire my fans and followers to continue supporting me.”
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93 94 95 96 98 99 100 102 105 107 108 109 110 111 112 113 114 115 116 117 118 119 122 124 126 128 130 132
Burglar’s “key” Periscope sites Part of CST Briefcase item Safari leader Narrow inlet (var.) — Hawkins Day ABC rival Tailors, at times Goddess who gave Easter its name Type of dive — -woolsey Went fast Discharge First-magnitude star Insect stage Ragu rival Lose traction Autumn flower Strength Prior to Has to have Large volume Blueprint, briefly Painted tinware One hundred yrs. 1900, in old Rome Sugarloaf locale
E4
Showbiz
SUNDAY, FEBRUARY 26, 2017 Isah V. Red, Editor / Nickie Wang, Issue Editor isahred@gmail.com
EAT YOUR HEART OUT
KIRAY CELIS IS ONE LUCKY GIRL By Nickie Wang
C
OMEDIAN Kiray Celis claims she’s a member of the NBSB group, an acronym for “no boyfriend since birth.” But her relationship status from single might change into “in a relationship” if the events in her life are truly genuine and not just a product of publicity or a manufactured paring.
MOST FOLLOWED FILIPINO CELEBRITIES ON
NO DOUBT, Instagram is the biggest engagement platform today. Ditch Facebook or Twitter, including YouTube, because with 500 million “active” users, Instagram is in a prime position to power the future of social media. In this week’s listicle, we are listing down the most followed local celebrities on the popular photo sharing app, where they can easily attract attention, engage followers, and promote their brands one photo at a time. Anne Curtis She lost the Queen of Twitter in the Philippines title to Angel Locsin a few months ago but she is still the Queen of Isntagram with a whopping 6.6 million followers. One of her latest posts garnered almost 200 thousand likes. It is something that only happens to international celebrities.
Unlikely pair? Kiray Celis and Kirts Viray set social media ablaze with their Valentine photo.
GREAT CATCH. Kirst Viray is a runway model and budding actor while Kiray Celis is one of the most effective comedy actors of her generation.
Social media was abuzz when a popular news curator reported that Kiray Celis is dating Cosmo Bachelor and model Kirst Viray. Everybody went crazy and their reaction was similar to Chokoleit’s kissing scandal caught on video that became a hot topic off- and online. The diminutive comedian, has been posting photos on her Instagram account giving her more than half a million followers a hint that she’s dating the 24-year-old runway model. Viray is also doing the same. In fact, he is posting more photos of him and the 21-year old Kapamilya talent on his Instagram feed. Isn’t that sweet? What’s really interesting about the two though is how people take this supposed paring. People consider Kiray, known for her alternative beauty, as one lucky girl for stealing the attention and probably the heart of Kirst, a 5-foot-11 model who rocks a chiseled physique that serves as his ticket to runway gigs here and abroad. The fashion model who sports long locks has also walked for Canada Philippine Fashion Week, where he was named Model of the Year in the health and fitness category. He’s got a long list of magazine covers including Garage Magazine, Cosmopolitan, and Men’s Health. He’s also appeared in TVCs for big brands. As a budding actor, he’s been cast in an episode of Karelasyon (2015) and A1 ko sa’yo (2016). Kiray, on the other hand, no longer needs too much introduction as people have seen her blossom from “Munting Miss U” finalist into playing BFF to big female stars on TV and in the movies. In this respect, the unlikely pair may have something interesting to offer. But maybe they’re just good friends sharing some sweet moments together. Or maybe, the two are working on a project that requires them to be extra close and, yes, sweet. Take this for example, the two went out on a date on Valentine’s Day and Kirst gave Kiray a stem of white rose. Prior to this romantic meeting, the two have shared photos of them together while sharing sweet moments at various places including a clothing store and a factory while wearing matching outfits. The pair has yet to confirm whether they’re dating or just really close friends. But no matter what label they put in this relationship it’s definitely working in their favor. The only problem we have right now is, how are we supposed to call this pair. Showbiz is known for creating a portmanteau of love teams using the first syllable of their first name. Theirs don’t some appealing at all. (And it’s not printable!)
MICHAEL PANGILINAN
IN ANOTHER GAY-THEMED MUSIC VIDEO
Michael Pangilinan's latest single does not enjoy much attention compared to his previous hit.
AFTER the anthemic “Pare Mahal Mo Raw Ako,” which was released in August 2014, young singer Michael Pangilinan has just dropped another single that revolves around heartbreaks and not being able to move on. Unlike the first single that talks about unrequited love between two men, the latest single entitled “Hanggang Kailan” does not feature any gay love in the lyrics. In fact, it just talks about someone’s inability to move on from a failed relationship – a perfect theme song for a romantic series or a movie. But the
music video is definitely inspired by Michael’s previous hit that garnered 10 million views on the popular video-sharing site. Released on Feb. 17, the music video features a heterosexual relationship, and two gay affairs between two women and two men. But for some reason, the 4-minute clip is not getting the same response from people. Perhaps, the song and the video are not cohesive enough. They could have picked up a better storyline to match the song’s lyrics by removing the gay plot altogether.
Liza Soberano She is blazing through the second spot with 4.9 million followers. The teen star known as one of the world’s most beautiful faces treats her fans with photos mostly from product endorsements. She treats her virtual army with some sensational selfies, project updates and yes, you guessed it right, her favorite subject – Enrique Gil.
Kathryn Bernardo She started changing the look of her Instagram account by using high quality photos early last year. This effort caught the attention of Instagram users because she now has 4.7 million followers. Like the top two social media superstars, the former Teen Queen updates her fans on her latest projects and product endorsements.
Vice Ganda His account is the only unverified account on this list, but the gay comedian has 4.4 religious followers making him one of the most influential Filipino personalities online. Vice uses his Instagram feed generally to promote his TV shows and other showbiz engagements. Turn to E3…