A No-Sting Approach to Good Oral Health

For many people, good oral health begins and ends with brushing their teeth after meals. While this practice is commendable, sadly it is not enough. Food particles, especially those at the back of the teeth and in hard-to-reach areas, may remain lodged, causing a host of alarming oral health problems. These include halitosis (bad breath), gingivitis (inflammation of the gums) and periodontitis (a gum infection that damages soft tissue and the teeth’s bone support).

Food particles that are not removed by regular brushing may be used as fuel by anaerobic bacteria (bad bacteria) so they can multiply.  These bacteria may cause dental problems such as tartar, plaque, and cavities, among others.  They also release gaseous elements called volatile sulfur compounds, which are identified as major sources of strong odors in the mouth.

In addition to brushing, most dentists recommend flossing as part of regular oral hygiene. Many also recommend the use of mouthwash, especially if there are problems with oral malodor. Despite these advisories, patients still fail to comply. There are several reasons for non-compliance and one of these may be because the alcohol-based mouthwash they use stings the mouth and leaves a strong aftertaste.

Fortunately, there is no-sting OraCare Mouthrinse, which is specially formulated with stabilized chlorine dioxide (ClO2­­) and purified water, for a more pleasurable gargling experience. It is an effective way of eliminating harmful bacteria and odor-causing compounds in the mouth.

Regular use of mouthwash like OraCare, together with brushing and flossing, gives you a healthy mouth that can help you gain confidence.

Currently, OraCare is the only mouthwash branddrugstores and grocery stores nationwide that contains stabilized chlorine dioxide.  While it delivers the same benefits as the alcohol-based variants such as killing bad bacteria, preventing plaque build-up and promoting healthy gums, OraCare’s ClO2 also neutralizes foul odor-causing compounds for a really clean mouth. Plus, as an added benefit, it does not stain teeth, even with regular use, unlike mouthrinses that contain chlorhexidine.

Don’t wait for symptoms of dental issues to arise before you take action. Include OraCare in your regular oral care regimen.   Aside from visiting the dentist twice a year and regular brushing and flossing, gargling with OraCare can help give you the exceptional oral health that you desire—a really clean mouth with really fresh breath, without the sting. 

Made by Pascual Laboratories, OraCare Mouthrinse has three variants (Cool, Regular and Merrymint) and comes in 80mL, 250mL and 500mL sizes (except Merrymint). It is available in major drugstores and supermarkets nationwide.


Filipino Investors Optimistic on Pensions, but Based on Some Risky Assumptions – Manulife Survey

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.”

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.

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.


Malayan Insurance Day

P85M worth of PA Insurance from Malayan Insurance on National Assurance Day

Did you know that Malayan Insurance celebrates National Assurance Day?

In an effort to promote the importance of non-life insurance to the public, Malayan Insurance will be making available Php 85 million worth of personal accident cover on October 6, 2014, to registrants in the company’s National Assurance Day promo.

The Malayan group policy has a total combined maximum limit of Php 85 million which all registrants with valid confirmations of cover will share at the end of the campaign.

Malayan Insurance said the date will be called its National Assurance Day and hopes to begin a yearly tradition every October beginning this year to encourage Filipinos to seek protection.

Malayan Insurance Day

“National assurance day is our way of supporting the Insurance awareness Week of the Philippine Insurers & Reinsurers Association (PIRA) and the insurance industry. Reminding everyone that things can go wrong and that it is a good idea to have a backup plan when something unexpected or untoward happens,” said Malayan Insurance PA Underwriter, Mr. Anthony M. Labindalawa.

Further, Mr. Labindalawa explained that the NAD is one way to celebrate the insurance awareness week by giving the Filipino insuring public some peace of mind.

“Aside from creating awareness of the importance of non-life insurance, the NAD is one way for us to give back to the community in anticipation of our upcoming 85th founding anniversary,” said Malayan’s Digital Marketing Head, Aldous Anacion.

Getting a free Malayan PA cover on NAD is simple: one only needs to visit and register at the promo micro site at nationalassuranceday.malayan.com starting September 6, 2014.

Another way to register for NAD is by “liking” Malayan’s Facebook Page at Facebook/MalayanPH and click on the NAD link.

On October 6, all those who registered will be included in a free Group policy composed of basic accidental death, dismemberment and disability covers. The full promo mechanics is posted at the NAD micro-site and Malayan’s FB page.

The certificate of cover will be sent to the registrant’s email a week after the promo. Malayan is able to deliver its policies in digital format – rather than just the traditional paper and ink policy – because it has a valid electronic COC approval from the Insurance Commission.

The promo is open to all Filipinos ages 18-65 years old.


Water can damage even the toughest concrete—so waterproof it with Optimum Flex

Concrete is one of the toughest materials around—just look at all the tall buildings, stadiums, and other large structures we build with it. Concrete is made with several ingredients including cement, aggregates and reinforcing materials to make it very durable. However, water can damage even the toughest concrete; this leads to leaks and continuous deterioration. To prevent this, concrete must be protected by an effective waterproofing product.

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Certain parts of a house, like roofdecks, balconies, and the upper floors, experience tremors or movement (and yes, the higher the structure, the more tremors and movement). Such parts of the house must be protected by a flexible waterproofing product that will not crack or otherwise be dislodged because of the movement or tremors.  The best option for this is Optimum Flex.

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Optimum Flex, a flexible, “cementitious” or cement-based product that seeps into and bonds with the concrete to seal off pores and tiny spaces where water can enter. Optimum Flex bonds completely and permanently; it becomes one with the concrete structure. It is flexible enough to go with a concrete structure’s motions to maintain its waterproof seal without cracking.

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Optimum Flex has pre-packaged, pre-measured components of a powder and an emulsion. All you have to do is take these out of the package and mix them directly. It is very convenient to use and leaves no room for errors in mixing or errors in measurement. Once mixed according to instructions, it may be applied to the concrete structure. It only takes 20 minutes for Optimum Flex to dry, set, and bond permanently with the concrete.

Optimum Flex is the ideal waterproofing for concrete structures not only in homes but in hotels, hospitals, resorts, condominiums, and other places where concrete needs to be protected from moisture or water. Protect your investment now against water damage with Optimum Flex. For more information, call or text the Engineer Lunas Hotline at 0920-910-2629 or go to www.jardinedistribution.com.ph


Historical Bonifacio Trial House is new beneficiary of NHCP-JDI partnership

The latest beneficiary of an ongoing partnership between the National Historical Commission of the Philippines and Jardine Distribution, Inc. (JDI), is the ancestral house where the court martial of National Hero and Katipunan Founder Andres Bonifacio was held. The house, built during 1889, at Maragondon, Cavite is being preserved through the joint effort of NHCP and JDI, with the use of Solignum wood preservatives and the technical training by JDI regarding wood preservation.

A sense of history and patriotism is nurtured not only by books but also by the preservation of historical sites like ancestral houses. These ancestral houses become tangible, real places where we can all learnthe lessons of history that will guide our present and our future. This is why the NHCP is doing everything it can to keep these historical structures in good condition for future generations to visit.

A glimpse of the fence and the marker erected fro this historical landmark

 “It’s very challenging to be responsible for the preservation of these ancestral houses that are more than a century old.  More than a hundred years is enough time for environmental conditions and stresses, including termites, wood-boring insects, and fungi, to do damage and weaken the wood.  JDI and Solignum will continue to partner with NHCP to ensure proper preservation of these sites. Together, we value history and heritage.” said Peachy C. Tiu, Marketing Manager of Jardine Distribution, Inc. (JDI), distributor of Solignum wood preservative.

In partnership with the NHCP, JDI has donated Solignum Soilguard soil termiticide to protect the structure from the attack of subterranean termites.  The wooden parts of the house will also be treated with Solignum wood preservative.   JDI also extended technical training and assistance to the government agency. Tiu said that JDI’s main concern was to properly equip the NHCP to fulfill its mission of preserving the country’s historical heritage.

Bonifacio Trial House built during 1889 at Maragondon Cavite

“We’ve all been to museums and we’ve read history books and watched historical documentaries on DVD or cable TV. But there’s something very different, very real, when you visit an ancestral home. When you’re there, history comes alive. You see greater meaning and value in the lessons of the past. We at JDI feel privileged to be able to assist in the NHCP’s mission,” she said.

 Solignum was introduced into the Philippine market way back in 1895, so in its own way, the product has a shared history with the nation. Today, it has become the most trusted wood preservative in the market after decades of excellent performance and reliability.

With the ongoing NHCP-JDI partnership, future generations will continue to enjoy historical sites that preserve not only the structures themselves but the stories and insights that we all need to take to heart—so we can build a stronger and better nation.

For more information about Solignum wood preservative products, go to www.jardinedistribution.com


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