Amid the economic challenges and the shift to online learning prompted by the pandemic, Sun Life Financial-Philippines Foundation, Inc. 1. Temporary unavailability of the Sun Life Client Care Hotline. Setting clear goals means knowing exactly what you want to accomplish within a certain timeframe. Downsizing these big-ticket items can rapidly reduce your expenses and free up much-needed cash. ) 500% of the Regular Premium plus 125% of all Excess. Critical illness insurance usually includes coverage for conditions such as stroke, heart attack, cancer, and brain injury. It’s time for us moms to reclaim our peace of mind and happiness, as we move up towards having Money For Life. For OFWs, he also conduct online video consultation through Skype, Viber, Zoom or FB Video Call. Sun Life will also take the opportunity to highlight health and wellness this summer by bringing its Wheel of Life Pop-up Fair to Boracay on April 29. Sun Wealth Prime 7 is designed to help policyholders secure the future of their loved ones by providing life insurance protection for seven years. The young star has projects left and right, numerous billboards that sport his charming smile, and a fandom that is incredibly supportive of his engagements. After exchanging emails and messages, we decided to meet at SM Cabanatuan City, a Sunday before Christmas day in 2017. As the cost of education continues to rise, life insurance and planning for education becomes critical to help families prepare for a brighter future. 1. Enroll in an online class together. Reduce risk by developing a portfolio that is able to. “Joanne is my very first client from Advisor Match. 4. And you can take comfort in the belief that you are destined to be wealthy. Global Opportunity Payout Fund is offered as a fund option exclusive to Sun MaxiLink Dollar One, Sun FlexiDollar and Sun FlexiDollar1, which are. The seafarer must decide to get himself out of debt by. Do not hesitate to ask a financial advisor to learn more and choose the best insurance that will. So you should also prepare one for emergencies. Find out more. The process of becoming a financial advisor is composed of five steps which ensure that all Sun Life Financial Advisors are well equipped in spreading the message of financial literacy. Exciting rewards await Sun Life Prosperity Funds investors who will invest or accumulate at least PHP500,000 (or USD10,000) in participating Sun Life Prosperity Funds between 03 January 2018 and 28 December 2018, close of business day, under Sales Load Option B (back-end sales load). Step 1 Set Clear Goals. Promo Period: October 21 to December 29, 2022. (e. Find out more now. Life insurance coverage. In the span of three months, we changed our old CRT TV into a state of the art LCD TV, my brother and I bought a van for the family and our family each had new. To join the promo, player must upload a video of him/her playing the Wheel of Life TikTok filter. Start with a goal. It makes sense, monetarily and morally, to support local tourism. A Mutual fund by the way is a registered company invested in different asset classes. is launching the Global Opportunity Payout Fund. 3. Spend on experiences. Thus, we developed the Actuarial Student Program to promote the successful passing of actuarial exams since this is a. The SUNPIOLOGY Virtual Race will happen from 21 November 2020 to 21 January 2021. This goes to show that, while there is. Sun Life Taps ePERA to Expand DEAL’s Reach. Sun Life concludes 125th anniversary with "Himig ng Pasasalamat" featuring Ben & Ben and The CompanY. Add the mixed dry ingredients to form the cookie batter. Attend the interviews or take the POP (Personality. We conduct our business and uphold a corporate culture that sustains our environment. Some debts are ok such as home and business loans – they can actually help you build assets. “You don’t have to be great to get started, but you have to start, to be great. There are four (4) basic types of mutual funds in the market: Money Market Funds invest in short-term debt instruments like time deposits. Pay your debts. Website: Learn various options to pay for your pre-need plan. Sun Life Philippines (Sun Life) won the highest honors in the Trusted Brand Awards 2021, where it was bestowed two Platinum Awards in the Insurance and Investment categories. I am becoming more prosperous and successful every day. 2021. While she still favors the aggressive Equity and Index Funds to maximize growth, she has recently diversified to some conservative funds to preserve earnings and lessen exposure to. TBR - Sun Life Dream Marathon draws over 700 new marathoners. To make things worse, the citizens of this nation, and the nation itself, have very low savings rates. Being a young professional with hardly any fixed expenses and debt leaves one with a relatively large amount of disposable income. She has spent several years working at investment banks and asset management firms in Singapore before finally deciding to come back home in 2014. This will serve as a guide on targeting goals that are appropriate for. There. Get back on track, SMEs! Free life insurance promo for Business Owners. This will help you manage your investment, avoid wrong decisions, and come up with a plan to help reach your goal. The promo period is from September 11 to October 13, 2023. Sun Acceler8; Sun FlexiLink; Sun FlexiDollar; Sun MaxiLink Prime; Sun MaxiLink Bright; Sun FlexiLink1; Sun FlexiDollar1; Sun MaxiLink One; Sun MaxiLink Dollar One; Sun MaxiLink 100; Sun Wealth Prime 7; Sun LegacySun Life Philippines CEO & Country Head Benedict Sison has been named the new president of the Philippine Life Insurance Association (PLIA). Getting in touch with a Financial Advisor is a step closer to securing the future, for you and your loved ones. You may avail of these Sun Life insurance and investment products before leaving the country to work abroad, while you are in the Philippines, or as a returning resident. But for their makers, these items put food on the table. Beginning October, ePERA. These products will let your money work harder for you. With life insurance, you can prepare for the future with the help of benefits that typical savings won’t cover. Aside from the Philippines, a Resolution Run to kick diabetes and live healthier lives will also happen in Malaysia (January 13), Indonesia (January 20), Hong Kong (January 27), and. The Department of Health described the current high. Develop a goal-oriented portfolio that is aligned with your risk profile. 1. If you want your kids to be. The combined rate for its bundle of Sun MaxiLink 100 life insurance and Sun Life Prosperity Achiever 2028 mutual fund starts at P4,000 per month. These 10 questions can help you live intentionally and empower you as you embark on a new phase of your life: What is your intention for the year or this period of your life? Think of a positive and empowering word that can anchor your intention. Getting Started Lesson 1: Setting financial goals based on your life stage. “This is a good indicator that we are raising a more financially-prepared generation,” Pama said. “We’re grateful to Matteo, our. Sun Life launches new Global Multi-Asset Fund. This is but one way for us to uphold that commitment,” Sun Life Philippines CEO & Country Head Benedict Sison said. I’ve written hundreds of articles & blogs. The race is made more convenient and accessible. It’s not enough to know that BTID comes with advantages. September 01, 2022. December18,2020. Learn practical tips on how to overcome the 3 common worries that affect. Invest for Rewards 2023. September 22, 2021. The Department of Labor and Employment has predicted in a Senate hearing in May that an estimated 10 million Filipinos will lose their jobs this year due to the COVID-19 pandemic. Otherwise, you need to figure out a working budget that fits available resources. Duration: About 2 min. Raffle. Cleaning the home doesn’t have to be boring. 3. Sun Life launches GoWell Studio, a premier holistic wellness platform. 5. This is according to a report released by the Insurance Commission based on submitted unaudited Quarterly Reports on Selected Financial Statistics. Below are five Sun Life insurance and. The launch of the peso versions of our global fund suite will allow our clients to diversify their financial assets without the inconvenience of having to exchange their Peso,” Sun Life of Canada (Philippines), Inc. When you start running a. Confessions of an OFW’s daughter. A few years ago, I came across the three jars concept in teaching kids about. In a bid to help clients diversify their US dollar assets, Sun Life of Canada (Philippines), Inc. September 25, 2023. Nowadays, a lot of financial solutions can get you to your goals in life. Your biggest expenses hold the biggest opportunities to save money. 3. Sun Life Client Service Centers. Rethink money as a tool to help you reach your goals and sustain a comfortable life. Here are the top 10 mistakes of retirees: 1. Take care of your health. Read the full mechanics here. Look at Sun Life Asset Management Company, Inc’s. Managed by Sun Life’s professional fund managers, the Global Opportunity Payout Fund can be availed for the following Sun Life investment-linked insurance. Playing sports is a team effort. The Fund aims to generate long-term capital appreciation by. After facing much uncertainty amid the onset of the COVID-19 pandemic, Filipinos who are eager to secure their health and ensure a brighter future will find an ally in Sun Life, as it launches a campaign dubbed “Partner in Health. Evaluate how much money you are making and determine the amount you can set aside for your health emergency fund. The fund can be availed for the following Sun Life investment-linked insurance products: Sun MaxiLink Dollar One, Sun FlexiDollar1, and Sun FlexiDollar, the insurer. , the first and longest standing life insurance company in the Philippines, is eyeing an expanded presence in Visayas and Mindanao in the next three to five years. Set a realistic budget and stick to it. Here are four steps you can do to take control of your financial journey. It also breeds focus so that you will be conscious of the efforts that must be taken in pursuit of your dreams. Like Amaya, she set an example. (or USD equivalent) Note: Dollar investments will be automatically converted to prevailing foreign exchange rates. In Frugal Honey, she chronicles her day-to-day money concerns, such as saving for an emergency fund and their family’s daily expenses. Retirement. From starting a new venture to preserving the legacy of your family business, Sun Life is here to guide you through your financial journey. Reduce expenses. You don’t get to the other side of the field without your team mates passing you the ball. It’s also a perfect pamasko to inaanaks as the Prosperity Card can be given to a minor provided that the parent or the legal guardian is the principal. When you start running a household, there's. Stress impacts physical and mental health. When on a limited budget, you have to use your money wisely. Sun Life Philippines offers simple and convenient options for your pre-need plan payments. Domestic traffic growth reached 7. Securing your and your family’s future is also a factor in attaining financial freedom. An investment manager’s advice to his 25 year old self. Regular Pay Fund Value. Freelancing is not the most stable of career paths, but it can be a satisfying and liberating career move. Resist giving in to peer pressure. 2. Metformin XR. “This new fund is suitable for clients with medium to long-term wealth accumulation goals such as preparing for retirement. Note: Benefits indicated above are subject to the specific guidelines set by Sun Life and the actual provisions of the insurance policy contract. As a Partner for Life of Filipinos, we are here to help!Here are some of the ways hardworking Filipinos can follow to spend their income wisely. chua@sunlife. Managed by Sun Life’s professional fund managers, the Global Opportunity Payout Fund can be availed for the following Sun Life investment-linked insurance products: Sun MaxiLink Dollar One, Sun FlexiDollar1, and Sun FlexiDollar. Solution: Prioritize payment of debt. 1. Review your bank accounts - Make it a habit to regularly log-in to your online bank accounts. Sun Acceler8; Sun FlexiLink; Sun FlexiDollar; Sun MaxiLink Prime; Sun MaxiLink Bright; Sun FlexiLink1; Sun FlexiDollar1; Sun MaxiLink One; Sun MaxiLink Dollar One; Sun MaxiLink 100 - NEW; Sun Wealth Prime 7Start healthy family habits for your health and personal finances, and plan for your future to live the best life! Health and wealth are connected to one another. To follow this method, you allocate portions of your paycheck in three buckets. is launching the Global Opportunity Payout Fund. Keep in mind that every little step you take brings you closer to how you want things in your life to be, including your finances. R. The Fund may invest in foreign currency denominated, income-generating financial assets such as, but are not limited to. Auto-debit your savings and spending. At first glance, the tamaraw could be mistaken as a carabao. With the SUN Fit and Well Advantage plan, business owners can prepare for the cost of critical illness from hospitalization to home recovery. Physical interactions present the risk of virus infection. M. From buying in full price to patronizing native guides, here are seven reasons letting you know the importance of supporting local tourism: 1. They slow down the release of glucose into your bloodstream. Danao’s. Auto-debit your bills and other payments online – especially for your insurance and mutual fund. Here are a few rules I follow in earnest to afford my lifestyle: Making beautiful memories together: Gretchen with her daughter on Mount Pulag. July 02, 2022. First-time OFW. Eventually, you can raise your savings to 20% to 30% which will form the fund. A Convenient, More Accessible Race. Set your financial goals. 08% on a 3-month basis, and 8. Working towards Financial Freedom? Kaya mo ‘yan! Discover the different ways of pursuing financial freedom through our new next-gen short films. Shortly after being acknowledged by the Insurance Commission as the country’s No. This is the message that Sun Life Philippines wishes to send in its latest campaign, as it strives to. Remote consultations. Sun Life’s Philippine Stock Exchange index (PSEi) forecast for full-year 2023 is at 7,009. Investments Head Ivan Corcuera said. When will the 60-day grace period begin? The 60-day grace period will begin from the payment due. Together with the Sun Life Prosperity Achiever 2028 Fund, this product bundle can help raise enough capital to turn that dream company to reality. Being an investor in the stock market allows you to take part of. One mistake can ruin the entire process, and you would have to try all over again. Understand where each other is coming from, what are your hopes and dreams as an individual and as a couple are also important. Topics. A clear description of what you want. The Fund aims to generate long-term capital appreciation by. “The economic impact, the closure of schools, and the rapid adoption of a. When the day has been uneventful, or lousy, I conduct music marketing on myself by listening to tunes I grew up. That means that is the amount you can borrow. Here are top tips to avoid being an impulsive spender and instead, become a smart shopper this yuletide season. Third Domingo, the only child of a public school teacher and a prison guard, now sits at the helm of a 120-people-strong company and counts a Japan-based global integrated marketing innovation company, Hakuhodo, as a partner. In a bid to help more Filipinos grow their wealth and leave a lasting legacy to their loved ones, Sun Life of Canada (Philippines), Inc. As recommended, your emergency fund should have at least six months-worth of expenses. It comes in a range of plans suited for parents, single parents, families, singles, and even extended families. 2) Make savings automatic. Dr. Each investment will be counted as one transaction. Sun Life of Canada (Philippines), Inc. Sun MaxiLink Dollar One is a dollar-denominated, investment-linked life insurance product that lets you boost the value of your dollars by investing into global funds. The “head of the family” or someone with an authoritative figure makes the decision and it is often understood as final. Millennials (20 to 35 years old) now make up 31% of its clients, closely following Gen X-ers (36 to 55 years old) which comprise majority of SLAMCI’s clients at 47%. A financial advisor will help you plan to achieve your life goals. was honored in the recent Philippine Quill Awards for Tulong Eskwela, a program jointly mounted with AHA! Learning Center to help teachers, students, and parents pivot towards distance and hybrid learning setup, especially at the height of the pandemic. By May De Jesus-Palacpac. Aside from the guaranteed life insurance benefit, clients can get annual earnings equal to 4% of the single. After exchanging emails and messages, we decided to meet at SM Cabanatuan City, a Sunday before Christmas day in 2017. These include Sun Legacy, a protection and savings plan that helps to preserve the wealth you have built over the years. It offers financial preparedness should cancer strike. PHP500,000 to PHP999,999. A. Invest for Rewards 2021 Extension. Saving the Tamaraws. However, it is not a reason to spend all of your 13 th month pay or live out a crazy rich shopping fantasy. From the start, she already knew the plan that she. Our product solutions vary from education products and health. Sama-sama sa Pasasalamat Thanksgiving Concert 2023. Sun Life Bldg facade. Its benefits, as listed below, range from peace of mind to showing a good example for the next generation. 7 Steps towards financial independence. Here are some actionable and specific investment tips I would give to young professionals now. Most of her free time is spent with her toddler and on her small organic skin care business. 4. **This is based on a true story but values were changed to protect the privacy of the author. The Fund is invested only in high-quality fixed income instruments that are classified as below average risk. 7. This is where life insurance proves to be a valuable financial tool for founders. Given the wealth of resources nowadays, it has become possible to build a more secure future starting with small investments and some understanding of how money works. December 1 to 31, 2021. Sun Life Philippines offers a wide range of financial solutions that are set to fulfill the needs for every important stage in our life. What makes online shopping so enticing is its convenient and habit-forming process. A plan begins with a definite purpose. Request a free sample proposal today! Freelancing is not the most stable of career paths, but it can be a satisfying and liberating career move. Working with a financial advisor is like finding a supportive partner who can help you create a financial plan so you can have money for life. This was the inspiration behind Sun Life Philippines’ latest campaign that highlights its brand promise of Partner for Life. , (Sun Life) retains the number one spot as the country’s premier life insurance company in the Philippines. Here are 7 important tips on using your credit cards wisely: 1. We have a variety of training modules including: Basic training course. The campaign. Here are a few tips on how to turbo-charge your earnings while enjoying the freedom of the gig economy. We were awarded. December 15,2020. A 20- to 30-percent savings rate is an ideal target. # thefinanc1albroSun Acceler8; Sun FlexiLink; Sun FlexiDollar; Sun MaxiLink Bright; Sun MaxiLink Prime; Sun FlexiLink1; Sun FlexiDollar1; Sun MaxiLink One; Sun MaxiLink Dollar One; Sun. In Frugal Honey, she chronicles her day-to-day money concerns, such as saving for an emergency fund and their family’s daily expenses. I am wealthy in every areas of my life. camat@moneytalkph. The Dollar Money Market Fund is offered as a fund option exclusive to existing policy holders of Sun FlexiDollar, Sun FlexiDollar1, and Sun MaxiLink Dollar One, which are investment-linked life insurance products regulated by the Insurance Commission. The selection process. It helps us create a budget – 1-2 months of listing expenses. Be diligent in building your fund until it reaches the amount that is equivalent to at least six months worth of salary. Pinoy Pop group BGYO, Original Soundtrack Princess Janine Teñoso, and indie singer-songwriter Johnoy Danao are coming together to help usher in the holiday season through “ Wish Upon A Sun ,” a free concert presented by Sun Life Philippines in partnership with Wish 107. Here are some things you can try: Sun Life and Insurance Commission align goals in courtesy visit. Budget before you book so you can limit and adjust your expenses while your summer trip is still in the planning stage. Keeping things light and fun will surely make decluttering manageable. Allot a portion of the extra money you’ll receive towards paying off your personal loans and credit card debts. Now, let’s take a look at what happened to the PSE index during the same period. Sun FlexiLink1. These are lessons she learned throughout her career journey. Mark your calendar as to when your next visit to the auto shop will be. Sun Life believes that being financially prepared provides a sense of freedom and fulfillment. That’s 60% decline. Right now, you may be one of the many who are facing sudden. Consult with a financial advisor. 2. Here are 3 simple money management tips for our top financial concerns: 1. Emotional and spiritual needs must also be recognized to achieve life balance. We at Sun Life would like to help. Sun Life Financial-Philippines Foundation, Inc. Training, or investing in oneself is not necessarily expensive. has revealed its sustainability agenda as a commitment to helping Filipinos achieve the freedom to live brighter. Financial freedom doesn’t just happen. On top of this, Sun Life encourages all its clients to review their policies to see if they are entitled to benefits relating to COVID-19. It is said that “Health is an investment and not an expense. ”. 16 * Loyalty Bonus is not guaranteed and will depend on the actual performance of the fund. P’YOLO - Plan, You Only Live Once. What inevitably follows is the rise of. Communication is key. The Sun Life Prosperity Funds were created with the Filipino investor in mind. A Message from our CEO & Country Head and Chief Sustainability Officer. The Fund may also serve as a parking facility prior to investment in other dollar funds. If you use sunflower oil on your face, try to avoid. Be practical. One mistake can ruin the entire process, and you would have to try all over again. (Sun Life Foundation) is boosting its education-related initiatives to empower Filipino students and teachers in these crucial times. Final Raffle Draw: January 14, 2022 (Friday) *Transactions must be cleared and invested during promo period. It also helps in weight loss, eliminates wastes from your liver and kidney, fills you up, curbs your hunger and cravings, and flushes out toxins from your body. The CEO of IdeasXMachina Advertising, Inc. “These fund options also leverage on existing strategies and allow clients to participate. MyFuture Fund is a target date fund that primarily invests. Find out the potential cost of your child’s university tuition. On the flip side, in the event of , a VUL plan allows the policyholder to pay the charges only, thereby keeping the policy in-force. It’s an opportunity to reflect on the challenges we faced in the past year, and to assess our experiences and hard-earned lessons. I was a young 25-year-old employee a long time ago. How to make 2023 your best year ever. Operating as a fund-of-funds, the Global Opportunity Payout Fund will invest primarily in a mix of foreign currency-denominated, income-generating, and capital-appreciating financial assets, allowing. 6. For the earlier you start saving, the bigger the nest you can build. Be practical. Reduce the production of glucose in liver, increase the application of glucose by body tissue (muscles) and reduce the absorption of glucose in gastrointestinal tract. Problem #3: Too much debt. Traveling, for me, is a crucial part of nourishing the spirit and renewing a sense of awe amid everyday stresses. 6. Build a safety net. Review your transaction history to see where your money goes. Sun Acceler8; Sun FlexiLink; Sun FlexiDollar; Sun MaxiLink Prime; Sun MaxiLink Bright; Sun FlexiLink1; Sun FlexiDollar1; Sun MaxiLink One; Sun MaxiLink Dollar One; Sun MaxiLink 100; Sun Wealth Prime 7; Sun LegacySun Acceler8; Sun FlexiLink; Sun FlexiDollar; Sun MaxiLink Bright; Sun MaxiLink Prime; Sun FlexiLink1; Sun FlexiDollar1; Sun MaxiLink One; Sun MaxiLink Dollar One; Sun MaxiLink 100; Sun Wealth Prime 7; Sun LegacyIn the theory-laden world of personal finance, various concepts are readily available to everyone who's willing to learn about money management and investing: “ Don't borrow more than 20% of your take-home income. Goals can help you stay on the right path. Also, the SUNPIOLOGY Virtual Race will cover longer. Real-life tips to teach children about money: 1. 4) Partner with Sun Life Asset Management. “Sun Life Philippines even has a program for its advisors focused on family business and wealth advisory,” Narciso said. Grand Raffle. Sun Flexilink / Sun Flexilink1. Issa Aviles is the first Certified Primal Health Coach in the Philippines. Goals must be S. Sun Legacy is a protection and savings plan that will help preserve the wealth you have built over time and efficiently pass it on to your loved ones through the guaranteed benefits the plan provides. Don't miss Sun Life Philippines' latest events and promos this 2021. The country’s top personal finance and investment experts will come together in the Sun Life Money Summit, touted to be the biggest financial conference of the year. We’re all excited for the COVID-19 pandemic to end. Sun Life is Top Insurance Brand in “Top 100 Brands” Philippines. Get insured. This is why the Sun Life Foundation is committed to supporting its reforestation by conducting regular tree-planting activities, with the help of Sun Life employees and advisors. 5. Now, there are more bills to pay and other necessary stuff to spend on, that budgeting can be such a challenge. Reports from the Bangko Sentral ng Pilipinas say that of about 36 million Filipinos with bank. SLAMCI Invest Online and be Rewarded Promo [EXTENDED] September 03, 2021. Frugal Honey by Jill Sabitsana. (TSX: SLF) (NYSE: SLF) Sun Life executives led by Global CEO Kevin Strain and Philippine CEO & Country Head Benedict Sison recently made a courtesy visit to the Insurance Commission (IC) to align with newly appointed. “That’s way above what I can afford. I don't know when people started thinking that I'm rich. As deaths and infections continue to surge everywhere, it is time for business owners to assess the impact of the journey toward. The Dollar Bond Fund is offered as a fund option exclusive to Sun FlexiDollar and Sun FlexiDollar1, which are investment-linked life insurance products regulated by the Insurance Commission. A mutual fund can be the best investment type for new investors. Preparing for Life Milestones. Learn about Sun Life FlexiLink plan, a VUL life insurance with investment and see a sample proposal. COVID-19 has taught people the advantage of getting things done online. Due to a two-year contestability clause, Sun Life had the right to investigate the case thoroughly. Baking requires a great amount of patience, dedication, and precision at every step. A. Piolo and Inigo share lessons on proper money management. Sun Life Bright Partner Promo Meet and Greet Piolo. ”. 2018 CLIENT PROMO. Like most Filipinos, many of us believe that education is the ticket to a brighter future. The young star has projects left and right, numerous billboards that sport his charming smile, and a fandom that is incredibly supportive of his engagements. 2. 1. If I were to pick a song to describe my life so far, I’d choose “Just Got Lucky”; the 80’s hit of the band JoBoxers, and best remembered as one of the music soundtrack in the movie. Retirement. Uncertainties abound and the financial challenges can vary by. What’s important is that you begin doing what can lead you there. Sun Life Financial Philippines offers this second series 'Moving Up' focusing on effective family financial planning strategies. Extensive Spender finally started investing. December 16, 2021. Spend the retirement you deserve – worry-free and home for good with the , which gives you life insurance coverage and money. Sun Life Bldg facade. 2. Opening an ukay-ukay where you can both sell secondhand things. There is no other way to get out of debt other than paying that debt. I have always been an advocate of proper money management and financial planning. ("Company") to use and share your contact details and other personal data listed above to contact you with marketing or promotional activities regarding financial, insurance products through phone calls, mail, email, SMS or. A policy advance is not covered by Bayanihan 2 since it is not considered a commercial loan. I am happy, healthy, and wealthy. Sun Legacy. 2% from 2014 to 2015, coming from a growth rate of 0. Entrepreneur and Pastry Chef Jeng Flores knows this best.