How to be Globally Competent

Education definitely plays a big role in producing competent students and soon-to-be employees. On the high note, there is much more to being knowledgeable and skilled in Mathematics and Science and that is being globally competent. Many people would perceive this term differently, but what really is it?

The Term: Globally Competent

The world changes overtime. With this per se, reality taps global competency. It refers to a body of knowledge, skills and dispositions to enable a person to effectively engage with the environment.

Things You Can Do to Achieve Global Competence

Global competence is constantly evolving and achieving its absolute state may seem impossible. Here are some things that you can do on your query on how to be globally competent.

  1. Be curious. One vital thing that you can do is be inquisitive and curious. Learn how the world works— collect information and analyze these data on hand.
  2. Communicate effectively. Globally competent people are able to communicate effectively with knowledge on the differences in culture and ideology. They are also able to choose on the appropriate media to use when trying to relay their thoughts.
  3. Recognize perspectives. There are different factors that affect one’s perception. For globally competent people, they are able to identify what influences what and who.
  4. Take action. This is a translation of ideas. You put it into action either solely or collaboratively to improve the current conditions.
  5. Disciplinary and Interdisciplinary Study. In this aspect, you try to understand the world in an approach that combines the above mentioned tips.

Sum it Up!

The world is interconnected and people have the need to be globally competent. Doing so is not easy, but doing so would be worth it.

Novuhair Summer Hair Care Tips

Heading to the beach may be the most exciting part of summer. It is almost always part of the itinerary this season for most people. Others prefer to give in to their adrenaline rush climbing that mountain slope or just about anything that gets you that summer tan to fit in the crowd.

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Did you know that spending extended hours under the extreme summer sun can pose serious danger to your hair and scalp? The same UV rays that brings damage to your skin without proper protection can equally hurt your hair and scalp.

Below are some of the problems your hair can encounter during the season:

  • Split-Ends – UV rays and extreme high temperature can take their toll on your strands. The heat drains the moisture of your hair out causing breakage.
  • Double Trouble – Rebonded or permed hair needs extra attention as high temperature well as humidity disrupts the cuticle breaking some of the chemical bonds that keep the hair straight or curls and roughing up the cuticle, taking away shine and smoothness.
  • Scalp problem – Scalp may also get sun-burned if you don’t use cover-ups for your head.
  • Grease problem – Summer sun and humidity can bring extra grease on your hair, leaving it vulnerable to damage.
  • Chlorine Stress – Swimming in the pool subjects your hair to chlorine. The outer layers of the cuticle of the hair opens up when you swim and chlorinated water seeps into the center of the hair thus making your hair more brittle.
  • Excessive Salt Water – Salt water can cause the same damage as chlorinated ones. Salt water dries on the hair it creates a high-saline solution which can build up and cause hair to feel dry, weighed down and hard to manage.

All these problem can be addressed by keeping your hair clean and showered after each activities. Take vitamin supplements that benefits you hair such as Vitamin C and Biotin. Getting your hair pampered will also give respite to the sun and chemical abuse.

Novuhair, nature’s answer to hair loss is made of 19 Natural ingredients which includes herbal components such as moringa oleifera, panax ginseng, virgin coconut oil and the natural essences of rosemary and peppermint.

Novuhair nourishes the scalp and hair by increasing the flow of nutrients and improving blood circulation to the scalp. Novuhair also helps hydrate the scalp, maintain the hair’s natural luster and prevent early hair graying, hair dryness and itching. #NovuhairSummer

Novuhair Topical Scalp Lotion, Shampoo and Conditioner are available in all Mercury Drug Stores and other leading drug stores nationwide. For more information visit www.novuhair.com, like the brand’s official Facebook Page at Novuhair Official, follow it on Twitter at @NovuhairNatural and on Instagram @novuhairofficial. You may also call the Novuhair hotlines at 4136570 and 09228830575 and order online at Lazada and regaloservice.com.

The Benefits of Using an Independent Insurance Agent

Obtaining an insurance policy can be a complicated process with all of the factors that are involved. You’ll need to choose the different benefits that are available and the amount of coverage that you want to have available. Here are a few advantages of using an independent insurance agent.

Speak to Licensed Experts

You can have peace of mind knowing that you’re making better decisions with the help of licensed experts that will be happy to provide you with their expertise. The experts will translate everything into layman’s terms to ensure that you understand what you agree to before signing your name on each document. They’ll work as your personal advisors that can understand your individual needs and what you can benefit from the most.

They Give You Options

Instead of settling for a specific amount of coverage or rate you can enjoy having more options when using independent insurance agents. The agents will provide you with a variety of policies from the top rated insurance companies in Florida to ensure that you find something that fits your needs and budget. The agents will also do all of the shopping for the policies that you choose from, which can save you time with the process.

Agents are Available Locally

Independent agents are situated in the local area and are considered to be your neighbors, which means that they understand your insurance needs. You can rest assured knowing that they’re right around the corner and are easy to contact when you have questions or concerns. They’re residents who purchase goods from local businesses and support the sports leagues in the city, which can make them more relatable and easy to talk to with your insurance needs.

You Can Continue to Use Their Services

Independent insurance agents will continue to work for your long-term to ensure that you’re getting the best rates and coverage. They make it a point to periodically review your coverage and can help you when you’re in transition. You can continue using their services when you plan to buy a home, renovate your house, and get married.

You can take advantage of a long list of benefits by utilizing the extensive services that are provided by independent insurance agents. By hiring a professional that you can trust, you’ll save money and can have more coverage if an accident occurs while spending time on the road.

Ways to Wear Your Off-Shoulder Garments

Off-shoulder pieces have been classic garments. It did not only heat up the runway, but also the downtown with girls baring their lovely clavicles. For such upbeat trend, you might have one in your wardrobe and you can wear it in a variety of ways.

For an on-the-go outfit, pair up your off-shoulder item with shorts and a pair of shoes. If you want to look that chic office girl, you can pair up the top with a full midi or a floral skirt with slits. Off-shoulder dresses are also cool and fashionable.

No matter what the day is for you, there is a right mix and match off-shoulder to get into the trend. Just be confident!

4 Tips to Making Time to Travel and Experience New Things

The number one excuse for people that never travel is, “I don’t have time.” But there is always an underlying reason, since there are so many ways you can make time to travel to where you want to go. Read below for tips on how to make time to travel and experience new things.

Be Bold and Spontaneous

Get up and go. If you want to be a true traveler, you should have a stash of a few bucks to get you where you want to go for starters. So, whenever the feeling strikes you, be bold and spontaneous enough to hit the road. You can go anywhere, like the Jupiter Beach resort, even if it’s a state over—just take the step to being a traveler on your own terms.

Or Plan It Out and Customize Your Luxuries

If spontaneous leaves your mind a little shaken, go with careful planning instead. This allows you to plot your course, choose an amazing destination, and customize the luxuries for when you get there. Do you want to visit a beautiful paradise island? Book a luxury suite with all of the amenities. The same applies to anywhere you go, as there are indulgences everywhere.

Clear Your Life’s Clutter Before You Leave

There is nothing better than coming home to a clean house after a weeklong adventure somewhere else. Before you leave for your travels, declutter and organize your home. Clean surfaces, throw stuff away, and just make sure your whole house is in tiptop shape for your return. That way you can continue your relaxation without the stress of chores around the house for a while.

Bring Your Loved Ones with You

Travel is made all the better if you have the ones you love to share it with you. Sure, traveling alone can be great for relaxation. But traveling with loved ones gives you an extra chance to bond and make lifelong memories. You can experience something new and fun, every single day of your vacation, with the ones you care about the most.

Are you afraid of flying on a plane? Traveling by car or bus? Or, sailing on a ship? Meditate on your fears and seek therapy to put those phobias aside. You’ll never get anywhere if you allow your fears to dictate your life. When you finally feel safe in your ambitious travel plans, start small and work your way up to bigger, better destinations.

Heat Pump Proper Care and Maintenance

Let’s face it, we may own a home that we heat through the use of a heat pump, but this doesn’t mean that we know much about their proper care and maintenance. This is why having a licensed heat pump technician service it yearly is an absolute necessity. Aside from very basic maintenance tasks, you will need the knowledge and services that a heat pump tech can provide for you.

Service Your Heat Pump
Your heat pump technician has been thoroughly trained on all the ends and outs of your system. When he or she looks at the inner components, they are able to gauge the health of your system and determine if there are things that need to be fixed or serviced. This is an invaluable service because a technician can often catch problems before they become severe and costly. You need the specific services of a heat pump technician not that of wastewater treatment companies. This is an area where it pays to get a specialists not a generalist or non-related repair company.

Check for Leaks in the Duct System
Another important service that a tech can perform is an inspection of your heat ducts. Leaky heat ducts translate into rooms that aren’t as warm due to heat loss, and possibly high utility bills because your heat pump may be forced to run longer to keep your house warm. If the technician finds leaks, they are able to seal them and prevent further heat loss.

Check Airflow
A heat pump is only as effective as the airflow it uses to pump warm air into your home. This is why a technician will perform an airflow check to make sure the flow is adequate. A tech has tools that will actually measure airflow. If it isn’t, he or she can replace or service the components needed to get the airflow where it needs to properly warm the home.

A heat pump technician is a valuable resource to the health and longevity of your heat pump. They are armed with the necessary skills to diagnose problems and keep your system running at an optimal level. The yearly service check allows a tech to inspect many of your heat pump’s components and service, repair, or replace any worn or faulty parts.

Working With Small Spaces

If you are having trouble deciding where to start with the renovation of your home, you can find a contractor who can give you a few suggestions. When the contractor is looking over the home, he can offer an idea of costs associated with the project and the materials that would be needed so that you can make an informed decision of whether you want to use a company for the entire job or if you want to tackle some of the work on your own.

One of the areas you can start with in the home is the bedroom. Most larger bedrooms are easy to renovate as they give you an open slate to work with, but a smaller room might give the impression that nothing can really be done to it except painting the walls and changing the flooring before adding a few new decorations. If you don’t mind bright colors, then you want to include them with the remodeling project in the smaller bedroom. Lighter walls will open the space along with colors that include light blue, mint green and yellow.

If you’re really stretched for space in the bedroom, consider installing a Murphy bed so that you can focus more on the furniture that you add. This is an option if you live in an apartment or if you have a small room where guests would spend the night. Try to make any small room as open and airy as possible. Flowing curtains on the window expand into the room when a breeze blows through. A floor in colors of cream or tan will give a larger look along with blankets of the same color on the bed.

An easy way to renovate a smaller bedroom to make it seem larger is to add mirrors. A large mirror on one wall or smaller mirrors above nightstands beside the bed can give an open look even if there’s nothing but a bed and a dresser in the room. Cozy materials also work well in a smaller bedroom, such as plush blankets. These also add texture to the space.

Job Opportunities That Offer Good Wages

You might not be very enthusiastic about your current job because you feel that you are not being paid what you deserve. If this is the case, you are in the same boat with millions of other people. Therefore, you have two choices. You can accept the fact that you are not being fairly compensated for the work you do. However, you could choose to do something to change your current situation. There are many new careers that you can decide to pursue. Many of these careers do not require a college education and pay very good salaries. Here are some examples of some of the careers that you might want to consider.

1. You could become a chef at a restaurant.

Do you love to cook? You might want to get paid to do it. There is nothing better than going to work every day and doing something you truly enjoy. Very few people have the opportunity to do this. Becoming a chef will require that you go to a school that teaches culinary arts. However, it will not take you nearly as long to learn to become a chef as it would to earn a bachelor’s degree. Chefs are going to be in charge of a kitchen staff. Therefore, you will also need to have good leadership skills along with your ability to prepare many different dishes. It is no secret that chefs make very good money. This is especially true if you work at a very respected restaurant.

2. HVAC repair technicians are always in high demand.

You most likely have an HVAC system in your home or apartment. You know how important these machines are during very hot or cold weather. You have probably even needed to have your HVAC system repaired once or twice. Why not become one of the technicians who repair HVAC machines every day? You can start by looking for HVAC jobs in Hampton Roads. There will always be a need for people with this skill.

3. You can become a real estate agent and sell homes for a living.

You should only pursue this career if you have very good people skills. This job will allow you to be out and about during most of your day. You will not be trapped behind a desk. The real estate market has improved. This makes selling real estate a good career choice.

What it takes to be on top: 10 career tips for aspiring women leaders


 QBE GSSC’s women in charge. From L to R: Rachel de Leon, Head of Analytics; Cheng Barrameda, Insurance Services Director; and Jean de Ocampo, Head of Risk and Business Continuity Management

We live in an age where women are more empowered to take charge, pursue their passions, and achieve their goals — whether it is in terms of building a career, taking care of their family, or both. The Philippines is home to many of these strong-willed women. As a matter of fact, these everyday heroines make up 40% of the senior management crowd in the country, and they continue to defy stereotypes by making an impact in whatever industry they choose. They are able to do all this thanks to the empowerment provided by companies which champion diversity and inclusivity.

One such company is Australian insurance group, QBE. As one of the world’s top 20 general insurance companies, QBE has over 14,000 employees in 37 countries, including the Philippines. The QBE Group Shared Services Centre (GSSC) was established in 2013 as a strategic hub in the country for their global business processes and it now houses over 3,000 employees — many of which are in teams led by women.

The road to success is not easy but through determination and hard work, three of QBE’s women leaders were able to take on crucial responsibilities, excel at work, and still manage to have time for themselves and for their loved ones.

Here are inspiring career tips based on how they are able to have it all:

  1. Be organized

“I am naturally organized. To keep my sanity and to manage my constantly crazy schedule, I make sure I carefully plan out my day, which is usually jam-packed with meetings. My calendar app is crucial because it incorporates my work, family, and “me time” schedules and appointments. I have to list everything down with the appropriate alarms to make sure I do not forget anything. And I do mean everything.” – Rachel

  1. Constantly pursue learning and growth

“It is important to be open to learn from others and from your own mistakes. In my team, I honestly say, “I’m not an expert on everything but you are experts in what you do.” So when I have a question, I ask them to help me understand. There is no place for pride in leadership. We’re here to learn from each other, and everyday is a learning experience.” -Jean

  1. Have an unflinching determination

The insurance industry has historically been male-dominated and a woman in this industry will have to work double-time to be able to make a difference. To overcome this, I focus on showing people my key strengths and displaying business acumen and maturity like any seasoned leader. I also don’t allow myself to fall into stereotypes.” – Cheng

  1. Always take full responsibility

“I strongly believe that a true leader needs to be accountable for his or her team’s outcomes–whether good or bad. Accountability means that you do not shift blame or throw people under the bus when things go wrong.” – Rachel

  1. Build a culture of collaboration

“My management style is collaborative. I want to ensure that the people in my team complement each other. I always leverage their strengths, making sure that the weakness of one person is complemented by the strength of another so that when we work together, we come out strong.” – Jean

  1. Lead with heart

“Learn to listen and empathize. It is important to not just hear people out but to actually see things from their perspective without being judgmental. Empathy builds trust, which is crucial in a team.” – Rachel

  1. Know the difference between a job and a career

“You should be passionate about what you’re doing; this is the difference between a career and a job. A job is something you do solely for the money, but if your wage is no longer sufficient, you will lose your joy in what you do. It doesn’t give you fulfilment and you end up dragging yourself to work everyday. Career, on the other hand, is long-term and aspirational.” – Jean

  1. Serve a purpose bigger than yourself

“I find fulfilment in being given the chance to build something that provides jobs and opportunities for Filipinos to be exposed globally and at the same time showcase the Philippines as an emerging talent hub for analytics and data science.” – Rachel

  1. Be patient with yourself

“Do not rush your success. There’s a lot to learn so don’t rush into getting yourself promoted. Stop using the successes of other people as your yardstick. Enjoy the journey, learn as much as you can, do your best, and opportunities will eventually come knocking at your door.” – Jean

10. Live life

“My husband and I have this favorite place in Cebu where we drive to when we’re stressed. We talk to each other and refresh each other.” – Cheng

“I’m a master scuba diver. When I’m stressed, I really look forward to the weekends because when I’m underwater, I forget everything that’s on the surface. This is how I reward myself.” – Jean

“I take time to shut down and unwind at the end of the day by playing with my kids and having a conversation with my husband.” – Rachel
These go-getters do not let anyone or anything bring them down, and every woman shouldn’t, too. Like them, every Filipina can achieve whatever they put their mind to, especially when they are in an environment where they are given opportunities to grow personally and professionally.

 

About QBE GSSC

The QBE Group Shared Services Centre (GSSC) was established in 2013 with the aim to become a strategic hub for QBE’s global business and processes. They currently have over 3,000 employees supporting operations in three sites: in Net Cube and W 5th buildings in Bonifacio Global City in Manila; and in Skyrise Alpha and Beta, located in Cebu.

 For more information, please contact QBEGSSC@teamasia.com

Five Fun Ways to Teach Kids to Handle Money

There is a saying that goes, “You reap what you saw”. Here some ways to teach kids how to handle their money wisely.

  1. Get them a coin bank

While young, the piggy bank is fun for kids. Encourage them to save money through coin or piggy banks. They can use it for the things they want. At a young age, they realize that it’s nice to get things through hard work of saving.

  1. Set a good example

Show some illustration of great men, who used their money wisely. Like how some people get rich through handling money carefully.

  1. Show them what is important.

When buying things, don’t let them just buy what they want. Teach them to differentiate the meaning of wants and needs.

  1. Teach them how to budget.

If you have a child and you gave allowances before going to school. Teach them to budget their allowance wisely.

  1. Don’t spoil them with money.

Shower your kids with love, not money. Teach them how to handle money for giving them what  exactly what they need.

While young, teach kids to handle money so that when they grow old, they know how to handle their own money wisely.