Christmas Carols Now and Then

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Those who grew up in the 70s and 80s probably experienced Christmas Caroling around the neighborhood with their friends. Those were the times when kids were simply armed with makeshift drums, tambourines, and maracas made from empty cans, flattened bottle caps, sticks, etc. One can still find carolers armed with these Spartan instruments but modern Christmas Caroling involves more organized visits and better equipment. This is because Christmas Caroling is done to raise funds for charitable causes or fundraising for church activities. Instead of young children, you may find yourself being serenaded with Christmas Carols by a group of teens and adults equipped with guitars, single row, drums, and other choir instruments. The carolers and equipment may have changed but the spirit of giving and the Christmas message still remains.

photo credit: http://infintyandbeyond.wordpress.com/tag/christmas/

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Find Home Loans that You Can Afford

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One of the rules in instilling financial discipline is to spend with only what you have. But, this doesn’t mean that you cannot take advantage of good real estate opportunities even if you don’t have enough cash in the bank. Purchasing a home without sufficient cash to cover the contract price can still be a financially sound decision in a way. You can take out a loan that you can afford and make an investment out of your home purchase. But first, you have to find a loan that you can afford and a lending institution that can help you.

Finding home loans that you can afford would entail analysis and research. One has to get a good grasp of their current financial state and project future earnings and expenses. This will help you determine how much you can afford to set aside for loan payments. The next step is to do some research on available loan facilities and loan options. Don’t limit your choices with national institutions or big banks. There are also local lending institutions like embrace home loans in RI that can provide you with sound packages and good customer service. Look into interest rates and terms of payment to find the loan package that you can afford. Don’t be afraid to talk with a loan officer or specialist who can discuss your options in detail and help you make a decision.

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The Princess in Me Christmas Campaign

SMNE Invite Experience a Royal Christmas Celebration in the City as SM City North EDSA pull out all stops to create a magical world for kids of all ages in the Princess in Me Christmas campaign. Royal Celebration at SM2During the event, the Block Atrium of SM City North EDSA was transformed into a Royal Ball with pink and pretty accents, where cute little princesses and princes are welcomed and treated like true royalties to The Royal Princess Hall and grown up fashionistas get to be pampered like Barbie at the The Holiday Barbie Lounge. Princesses and Princes can be hailed as royalty and take a seat at the Royal Throne. Royal Celebration at SM5 Girls can also try on the glass shoe and the waiting  prince will give special treat if the shoe fits. Bring home this enchanting experience with souvenir photo at the Barbie Box Photo Booth. Royal Celebration at SM3 It was an afternoon of surprises as everyone welcomed the Christmas season with a festive lighting of the The Princess Tree lead by SM Prime Holdings, Inc. President Hans Sy and Internet Superstar Kendra Kramer. Founder of the Richprime Global, Inc., the local distributor of Barbie and other well-loved children's toys (Disney Princesses, Hot wheels, Fisher Price and Chicco), Myrna Lao with SM SVP for Marketing Millie Dizon, SM President of SMSC Annie Garcia, SM VP Marketing Jonjon San Agustin, AVP for Operations Renee Bacani also attended the fun filled event. SMcares The lighting of the SM Bears of Joy Tree was a sentimental one. With SM Bears Of Joy Tree, we can make other children happy by buying a pair of SM Bears for only Php200. You get to keep the one bear while the other will be donated to the SM Cares Foundation - a perfect way to share the magic of Christmas. Royal Celebration at SM4 Kids from Child Haus were also given an early Christmas present during the gift-giving with Barbie. Child Haus is a temporary shelter for patients of cancer and other diseases who come to Manila for treatment but have no place to stay. The Child Haus permanent home was donated by SM Prime Holdings President Hans Sy. Royal Celebration at SM A fashion presentation of different princess' fashion and style also highlighted the launch. Pop Princesses, Party Princesses, and Fairytale princesses brought Barbie to life for stylish celebration. Aside from the Royal Christmas Celebration, shoppers will also witness a majestic lights show of the Princess Tree every 30 minutes from 11am to 8pm at the Block from Nov. 7 to January 4, 2015. The City Center of SM City North EDSA will likewise have a Fairytale Untold exquisite display this season featuring Barbie as Snow White, Cinderella, Belle and Rapunzel. These princesses will give mall-goers more season to enjoy the holiday. The Barbie Collectors Hall exhibits the most prized and dazzling Doll Collections. It showcases Barbie's gorgeous looks and transformation from past to present. Watch the Royal Parade of Stars and be mesmerized with the floats starring your     favorite fairytale princesses. The parade runs on November 7, 30 and December 7, 14 and 21 at 5pm. Disney Princesses fans will likewise have the rare opportunity to Meet and Greet the fairytale characters at the Skydome. Have your photos taken with Belle, Snow White and Sleeping Beauty on November 16 at 11am, 1pm, 3pm and 5pm. Other highlights of the launch also included the Skytacular Fireworks display at the Skygarden with ceremonial lighting of the Giant Firefly Christmas Tree that marks the beginning of Christmas Season at SM City North EDSA.

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