Option A, detailed in DepEd Order No. 10, s. 2024, stipulates that all learning areas will have 45 minutes of instruction each day for five days a week, with the Homeroom Guidance Program allocated 45 minutes once a week.
Flexibility in Time Allotment for Learning Areas in the MATATAG Curriculum -DepEd Order No. 12, s. 2024
First Periodical Test- Grade 3 sy 2024-25
The First Periodical Test in DepEd Philippines is a formal assessment conducted at the end of the school year's first quarter or grading period. It typically covers the competencies and lessons that have been taught during the first quarter. The test aims to evaluate students' understanding and mastery of the topics covered in various subjects, such as Mathematics, English, Filipino, Science, and Araling Panlipunan.
The periodical test is a key component in the student's overall grade computation, aligning with the DepEd's K to 12 grading system, which involves written work, performance tasks, and quarterly assessments. This test helps teachers assess student progress, guide instruction, and address learning gaps. It is given at elementary and high school levels and is designed based on the Most Essential Learning Competencies (MELCs) for each grade level.
First Periodical Test- Grade 3 S.Y. 2024-25
Top Financial Advisors in the U.S.: Expert Guidance for Your Financial Success
https://wombjingle.com/t4md6m0kkt?key=3ada0c494d4e9738414b5214ba920052 
Selecting the right financial advisor is crucial for effective financial planning, investment management, and achieving your long-term goals. With many options available, finding a top-tier financial advisor can significantly impact your financial success. Here’s a guide to some of the top financial advisors in the U.S., renowned for their expertise, client-centric approach, and proven track record.
1. Vanguard Personal Advisor Services
Why It’s Top-Rated: Vanguard Personal Advisor Services is renowned for its low-cost investment management and client-focused approach. Vanguard’s reputation for integrity and its commitment to putting clients first make it a standout choice.
Key Features:
- Personalized Financial Planning: Offers tailored financial planning and investment strategies based on individual goals and risk tolerance.
- Low Fees: Known for its cost-effective approach, with low management fees compared to industry standards.
- Expert Advisors: Clients work with certified financial planners (CFPs) who provide personalized advice and support.
Why Choose Vanguard Personal Advisor Services: For those seeking a cost-effective solution with personalized advice and a strong reputation for ethical practices, Vanguard Personal Advisor Services is a leading choice.
2. Fisher Investments
Why It’s Top-Rated: Fisher Investments is known for its comprehensive investment management services and high-touch client service. The firm focuses on providing personalized investment strategies tailored to individual client needs.
Key Features:
- Customized Investment Strategies: Offers tailored investment portfolios and strategies designed to meet clients’ specific financial goals.
- High-Touch Service: Provides dedicated relationship managers and access to investment experts.
- Strong Performance Track Record: Known for its robust investment strategies and performance over the years.
Why Choose Fisher Investments: If you value personalized investment management and dedicated client service, Fisher Investments offers a comprehensive approach with a strong track record of performance.
3. Charles Schwab
Why It’s Top-Rated: Charles Schwab is renowned for its broad range of financial services and client-centric approach. The firm combines low-cost investment options with extensive resources and tools for clients.
Key Features:
- Wide Range of Services: Provides investment management, financial planning, and retirement planning services.
- Low Fees: Known for its competitive pricing and low-cost investment options.
- Robust Tools and Resources: Offers a variety of financial tools and educational resources to help clients make informed decisions.
Why Choose Charles Schwab: For a comprehensive range of services combined with low fees and valuable resources, Charles Schwab is a top choice for clients seeking a well-rounded financial advisory experience.
4. NerdWallet
Why It’s Top-Rated: NerdWallet is a popular financial advisory platform known for its transparency and user-friendly approach. It offers personalized financial advice and recommendations based on individual needs.
Key Features:
- Personalized Recommendations: Provides tailored financial advice and product recommendations based on user profiles.
- Transparent and Accessible: Known for its clear, unbiased advice and easy-to-use platform.
- Educational Resources: Offers a wealth of educational content to help clients understand various financial topics.
Why Choose NerdWallet: For clients who prioritize transparency and user-friendly tools with personalized recommendations, NerdWallet provides a modern approach to financial advising.
5. The Motley Fool
Why It’s Top-Rated: The Motley Fool is renowned for its investment advice and research, offering a range of services from stock recommendations to comprehensive financial planning.
Key Features:
- Investment Research: Known for its in-depth research and stock recommendations with a strong track record of success.
- Educational Content: Provides extensive educational resources to help clients make informed investment decisions.
- Investment Services: Offers various subscription services tailored to different investment needs.
Why Choose The Motley Fool: If you’re seeking expert investment advice and a wealth of educational resources, The Motley Fool offers valuable insights and tools for making informed financial decisions.
6. CFA Institute Members
Why It’s Top-Rated: CFA Institute members are highly regarded for their expertise and commitment to ethical standards in financial advising. Members of the CFA Institute are known for their rigorous training and adherence to a strict code of ethics.
Key Features:
- Expertise and Credentials: CFA Institute members hold the Chartered Financial Analyst (CFA) designation, reflecting their high level of expertise and ethical standards.
- Rigorous Standards: Committed to upholding rigorous professional standards and ethical practices.
- Comprehensive Knowledge: Offers a deep understanding of investment management and financial planning.
Why Choose CFA Institute Members: For clients seeking highly qualified and ethical financial advisors with a strong professional background, CFA Institute members offer exceptional expertise and credibility.
Selecting the right financial advisor is a critical decision that can significantly impact your financial well-being. Top financial advisors like Vanguard Personal Advisor Services, Fisher Investments, Charles Schwab, NerdWallet, The Motley Fool, and CFA Institute members each bring unique strengths to the table. Whether you prioritize low fees, personalized investment strategies, transparency, or professional credentials, these top-rated advisors offer a range of options to meet your financial planning needs. By carefully considering your priorities and preferences, you can choose the best advisor to help you achieve your financial goals and secure a prosperous future.
Top Online Schools in the U.S.: Find the Best Fit for Your Virtual Education Needs
In today’s rapidly evolving educational landscape, online schools have emerged as a flexible and effective alternative to traditional classroom learning. Whether you’re seeking a complete online education for your child, a high school diploma, or advanced courses, the right online school can provide a quality education tailored to your needs. Here’s a guide to some of the top online schools in the U.S., each distinguished by its academic excellence, innovative programs, and strong support systems.
1. K12
Why It’s Top-Rated: K12 is a pioneer in online education, offering a comprehensive curriculum for students from kindergarten through high school. With a track record of success and extensive resources, K12 stands out as a leader in the field of online education.
Key Features:
- Broad Curriculum: Provides a wide range of subjects, including core academic courses, electives, and advanced placement options.
- Certified Teachers: Employs state-certified teachers who deliver personalized instruction and support.
- Parental Involvement: Offers tools for parents to track progress and engage in their child’s education.
Why Choose K12: For a well-established online education provider with a comprehensive curriculum and strong support system, K12 is an excellent choice for families seeking a robust and flexible learning environment.
2. Connections Academy
Why It’s Top-Rated: Connections Academy is known for its innovative approach to online education and strong academic performance. It offers a personalized learning experience with a focus on student engagement and achievement.
Key Features:
- Personalized Learning Plans: Tailors education to individual student needs and learning styles.
- Interactive Tools: Utilizes interactive tools and resources to enhance learning and engagement.
- Accredited Programs: Provides accredited programs with a focus on high academic standards.
Why Choose Connections Academy: If you’re looking for an online school that emphasizes personalized learning and interactive educational tools, Connections Academy offers a dynamic and student-focused approach.
3. Florida Virtual School (FLVS)
Why It’s Top-Rated: Florida Virtual School is a highly regarded online school that offers a range of courses for students in Florida and beyond. It is known for its flexibility and wide array of course offerings.
Key Features:
- Flexible Scheduling: Allows students to learn at their own pace with flexible scheduling options.
- Diverse Course Offerings: Provides a comprehensive selection of courses, including Advanced Placement (AP) and career and technical education.
- Supportive Community: Offers strong student support services and a vibrant online community.
Why Choose Florida Virtual School: For a flexible online learning experience with a wide range of course options and strong support services, Florida Virtual School is an ideal choice for students seeking a customizable education.
4. Calvert Education
Why It’s Top-Rated: Calvert Education is recognized for its rigorous academic standards and personalized approach to online learning. It offers a blend of traditional and online educational resources.
Key Features:
- Accredited Curriculum: Provides an accredited curriculum with a focus on core subjects and critical thinking skills.
- Personalized Learning: Offers personalized learning plans and one-on-one support from certified teachers.
- Flexible Learning Options: Provides a range of learning materials, including online and offline resources.
Why Choose Calvert Education: If you value a blend of traditional and online educational methods with a focus on academic rigor, Calvert Education offers a comprehensive and personalized learning experience.
5. The American School
Why It’s Top-Rated: The American School is known for its high school diploma programs and adult education courses. It offers flexible, accredited online programs for students seeking to complete their education or pursue further studies.
Key Features:
- Accredited Programs: Offers accredited high school diploma programs and adult education courses.
- Flexible Learning: Provides self-paced learning with personalized support from experienced instructors.
- Diverse Course Options: Includes a range of subjects and electives to suit various educational needs.
Why Choose The American School: For individuals seeking accredited diploma programs and flexible learning options, The American School offers a solid and adaptable educational solution.
6. Stanford Online High School
Why It’s Top-Rated: Stanford Online High School offers a challenging and prestigious online education for gifted and academically motivated students. It is known for its rigorous curriculum and connection to Stanford University.
Key Features:
- Advanced Curriculum: Provides a challenging curriculum designed for high-achieving students.
- Stanford Affiliation: Benefits from the academic standards and resources of Stanford University.
- Small Class Sizes: Features small class sizes for personalized instruction and support.
Why Choose Stanford Online High School: For academically motivated students seeking a rigorous and prestigious online education, Stanford Online High School offers an exceptional learning experience with high academic standards.
Choosing the best online school depends on your educational needs, goals, and preferences. Top online schools such as K12, Connections Academy, Florida Virtual School, Calvert Education, The American School, and Stanford Online High School each offer unique strengths, from personalized learning and flexible schedules to rigorous academic standards and prestigious affiliations. By evaluating these options and considering what aligns best with your educational objectives, you can find an online school that provides a high-quality and effective learning experience for you or your child.
Top Mortgage Lenders in the U.S.: Finding the Best Fit for Your Home Loan Needs
Choosing the right mortgage lender is crucial for securing favorable loan terms and ensuring a smooth home-buying experience. With numerous options available, it’s important to select a lender that offers competitive rates, excellent customer service, and tailored solutions to fit your needs. Here’s a guide to some of the top mortgage lenders in the U.S., each renowned for their reliability, customer satisfaction, and comprehensive mortgage solutions.
1. Quicken Loans (now Rocket Mortgage)
Why It’s Top-Rated: Rocket Mortgage, the online platform of Quicken Loans, stands out for its innovative technology and exceptional customer service. It is a leading choice for those seeking a streamlined, digital mortgage experience.
Key Features:
- User-Friendly Technology: Offers an intuitive online application process with real-time status updates.
- Fast Approval: Known for its quick loan processing and approval times, often within a few days.
- Customer Support: Provides extensive customer support through various channels, ensuring a smooth experience.
Why Choose Rocket Mortgage: If you value a technology-driven, efficient mortgage process with strong customer support, Rocket Mortgage is an excellent choice for securing your home loan quickly and easily.
2. Wells Fargo
Why It’s Top-Rated: Wells Fargo is one of the largest mortgage lenders in the U.S., known for its comprehensive range of mortgage products and solid reputation for reliability and customer service.
Key Features:
- Wide Range of Products: Offers a variety of mortgage options, including fixed-rate, adjustable-rate, FHA, VA, and jumbo loans.
- Personalized Service: Provides personalized advice and assistance through local branches and online resources.
- Robust Resources: Access to extensive financial tools and resources to help you understand and manage your mortgage.
Why Choose Wells Fargo: For those seeking a well-established lender with a broad range of mortgage products and extensive support resources, Wells Fargo offers reliability and a personalized approach.
3. Chase
Why It’s Top-Rated: Chase is known for its competitive mortgage rates and comprehensive customer service. With its strong national presence, it provides both traditional and innovative mortgage solutions.
Key Features:
- Competitive Rates: Offers competitive interest rates and flexible loan terms.
- Digital Tools: Features user-friendly online tools for mortgage application and management.
- Local Branches: Access to knowledgeable loan officers at local branches for personalized service.
Why Choose Chase: If you prefer a balance of competitive rates, modern digital tools, and access to local expertise, Chase is a strong contender for your mortgage needs.
4. Bank of America
Why It’s Top-Rated: Bank of America is recognized for its extensive mortgage offerings and customer-friendly features. It provides a range of mortgage products and competitive rates tailored to various borrower needs.
Key Features:
- Diverse Loan Options: Includes conventional, FHA, VA, and jumbo loans with various term lengths.
- Online Tools: Offers an easy-to-use online application and mortgage calculator tools.
- Homebuyer Education: Provides resources and educational tools for first-time homebuyers.
Why Choose Bank of America: For a diverse range of mortgage products and user-friendly online tools, along with valuable resources for first-time buyers, Bank of America is a top choice.
5. U.S. Bank
Why It’s Top-Rated: U.S. Bank is known for its comprehensive mortgage services and customer-focused approach. It offers a wide array of loan options and flexible terms to suit various borrower needs.
Key Features:
- Varied Loan Options: Offers fixed-rate, adjustable-rate, FHA, VA, and jumbo loans.
- Flexible Terms: Provides flexible repayment options and competitive rates.
- Strong Customer Service: Known for its responsive customer support and guidance throughout the mortgage process.
Why Choose U.S. Bank: If you need a lender with diverse loan options and a focus on flexible terms and strong customer service, U.S. Bank offers a well-rounded solution.
6. Guild Mortgage
Why It’s Top-Rated: Guild Mortgage is praised for its focus on personalized service and extensive product offerings. It caters to a wide range of borrower needs, including those seeking specialized loan options.
Key Features:
- Specialized Loans: Offers unique loan programs such as those for first-time homebuyers, and renovation loans.
- Customer-Centric Approach: Emphasizes personalized service with a dedicated loan officer for each client.
- Strong Local Presence: Known for its community-focused approach with local branch support.
Why Choose Guild Mortgage: For a lender that provides personalized service and specialized loan options with a local touch, Guild Mortgage is an excellent choice.
Choosing the right mortgage lender can significantly impact your home-buying experience. Top lenders such as Rocket Mortgage, Wells Fargo, Chase, Bank of America, U.S. Bank, and Guild Mortgage each bring unique strengths to the table. Whether you value cutting-edge technology, competitive rates, a diverse range of products, or personalized service, these lenders offer reliable and comprehensive solutions to meet your mortgage needs. By carefully evaluating your priorities and preferences, you can select the best lender to help you achieve your homeownership goals efficiently and effectively.
Top Treadmills in the U.S.: Find the Perfect Fit for Your Fitness Goals
Selecting the best treadmill can significantly enhance your home fitness routine, providing a reliable platform for running, walking, and overall cardiovascular exercise. With many options available, finding a treadmill that suits your needs, budget, and space is crucial. Here’s a guide to some of the top treadmills in the U.S., each known for their superior performance, features, and user satisfaction.
1. NordicTrack Commercial 1750
Why It’s Top-Rated: The NordicTrack Commercial 1750 is highly regarded for its advanced features and overall value. It’s an excellent choice for those seeking a versatile and high-performance treadmill.
Key Features:
- Interactive Touchscreen: Includes a 10-inch HD touchscreen for interactive workouts and streaming.
- Incline and Decline Options: Offers incline and decline settings, ranging from -3% to 15%, to simulate various terrains.
- iFit Integration: Provides access to a vast library of on-demand workouts and virtual running routes.
Why Choose NordicTrack Commercial 1750: For those who want a comprehensive treadmill with interactive features and the ability to simulate different terrains, the NordicTrack Commercial 1750 delivers outstanding performance and value.
2. Peloton Tread
Why It’s Top-Rated: Peloton Tread is known for its high-quality build and immersive workout experience. It combines state-of-the-art technology with a premium design, making it a standout choice for serious fitness enthusiasts.
Key Features:
- Large HD Touchscreen: Features a 23.8-inch HD touchscreen for live and on-demand classes.
- High-Performance Specs: Includes a powerful motor and a spacious running surface for a smooth, comfortable run.
- Integrated Classes: Offers access to Peloton’s extensive library of live and on-demand classes with expert trainers.
Why Choose Peloton Tread: If you’re looking for a treadmill that integrates seamlessly with high-energy classes and provides a premium workout experience, the Peloton Tread is an exceptional option.
3. Sole F85
Why It’s Top-Rated: The Sole F85 is renowned for its durability and advanced features. It’s designed to provide a professional-level workout experience in the comfort of your home.
Key Features:
- Robust Build: Features a heavy-duty frame and a powerful motor for long-lasting performance.
- Foldable Design: Offers a space-saving foldable design with easy-to-use hydraulic lift.
- Advanced Cushioning: Equipped with Sole’s Cushion Flex Whisper Deck to reduce impact and provide a comfortable running experience.
Why Choose Sole F85: For those who value durability and a professional-grade treadmill with a foldable design, the Sole F85 delivers exceptional performance and comfort.
4. Horizon Fitness 7.8 AT
Why It’s Top-Rated: The Horizon Fitness 7.8 AT is known for its excellent value and advanced features, making it a great choice for those seeking a high-performance treadmill at a reasonable price.
Key Features:
- Large Running Surface: Provides a spacious running area with a high-speed motor for intense workouts.
- Quick Dial Controls: Features quick dial controls for easy adjustment of speed and incline.
- Bluetooth Connectivity: Includes Bluetooth speakers and connectivity for streaming music and workouts.
Why Choose Horizon Fitness 7.8 AT: If you’re looking for a treadmill with a spacious running surface and user-friendly features, the Horizon Fitness 7.8 AT offers a great balance of performance and value.
5. ProForm Pro 2000
Why It’s Top-Rated: The ProForm Pro 2000 is a versatile treadmill known for its interactive features and excellent workout programs. It’s a popular choice for those who want a feature-rich treadmill without breaking the bank.
Key Features:
- Interactive Touchscreen: Includes a 7-inch HD touchscreen with access to interactive workouts.
- Incline and Decline Capability: Features a 15% incline and 3% decline to simulate real-world running conditions.
- ProShox Cushioning: Provides advanced cushioning to reduce impact on joints.
Why Choose ProForm Pro 2000: For a treadmill that combines interactive features with incline and decline capabilities, the ProForm Pro 2000 offers a comprehensive workout experience at an affordable price.
Choosing the best treadmill depends on your fitness goals, budget, and personal preferences. The NordicTrack Commercial 1750, Peloton Tread, Sole F85, Horizon Fitness 7.8 AT, and ProForm Pro 2000 each offer unique features and benefits to suit different needs. Whether you prioritize interactive workouts, durability, or advanced features, these top-rated treadmills provide excellent options to enhance your home fitness routine and help you achieve your fitness goals.
Top Life Insurance Providers in the U.S.: A Guide to the Best Options for Your Financial Security-Review
When selecting life insurance, finding the right provider is crucial to ensuring that you and your loved ones are protected. With numerous options available in the U.S., choosing the best life insurance can be daunting. To help you navigate this important decision, here is a list of some of the top life insurance providers in the U.S., each known for their strong financial stability, excellent customer service, and comprehensive coverage options.
1. Northwestern Mutual
Why It’s Top-Rated: Northwestern Mutual stands out for its outstanding customer service and financial strength. The company has consistently received high marks for customer satisfaction and claims handling.
Key Features:
- Comprehensive Coverage Options: Offers a range of policies, including term, whole, and universal life insurance.
- Financial Strength: Regularly rated among the highest by financial rating agencies, ensuring reliability and stability.
- Investment Opportunities: Provides the option to invest in dividend-paying whole life insurance policies.
Why Choose Northwestern Mutual: Their long-standing reputation and robust financial backing make them a reliable choice for those seeking stability and personalized financial planning.
2. State Farm
Why It’s Top-Rated: State Farm is renowned for its extensive network of agents and exceptional customer service. The company’s emphasis on personalized service and accessible support makes it a preferred choice for many.
Key Features:
- Wide Range of Policies: Offers term, whole, and universal life insurance with customizable options.
- Local Agents: Extensive network of agents across the U.S. provides personalized service and local support.
- Affordable Rates: Competitive pricing for both term and permanent life insurance policies.
Why Choose State Farm: If you value personalized service and easy access to local agents, State Farm is an excellent option with competitive rates and a strong reputation for customer care.
3. Prudential
Why It’s Top-Rated: Prudential is known for its diverse range of life insurance products and flexible policy options. The company offers solutions for various needs, from basic coverage to more complex financial planning.
Key Features:
- Diverse Product Line: Includes term, whole, universal, and variable life insurance policies.
- Flexible Options: Customizable coverage to fit different needs and financial goals.
- Global Reach: Strong presence both in the U.S. and internationally.
Why Choose Prudential: Prudential’s diverse product offerings and flexibility make it a great choice for those who require customized solutions and appreciate a global perspective.
4. MetLife
Why It’s Top-Rated: MetLife is a well-established insurer with a strong reputation for comprehensive coverage and financial reliability. The company is known for its innovative policies and customer-focused approach.
Key Features:
- Variety of Policies: Offers term, whole, and universal life insurance with various rider options.
- Innovative Features: Provides unique policy features and riders that can enhance coverage.
- Strong Financial Ratings: Reliable financial stability and robust claims handling.
Why Choose MetLife: For those seeking innovative insurance solutions and a company with a proven track record, MetLife offers comprehensive coverage and excellent customer service.
5. New York Life
Why It’s Top-Rated: New York Life is highly regarded for its financial strength and long-standing history. The company offers a range of life insurance options with a focus on comprehensive protection and investment opportunities.
Key Features:
- Broad Range of Coverage: Includes term, whole, universal, and variable life insurance.
- Strong Financial Ratings: Consistently high ratings for financial stability and reliability.
- Investment Opportunities: Provides options for dividend-paying policies and investment opportunities.
Why Choose New York Life: If you value financial strength and investment opportunities, New York Life is a top choice with a solid reputation and diverse product offerings.
6. Lincoln Financial Group
Why It’s Top-Rated: Lincoln Financial Group is known for its innovative solutions and strong customer support. The company offers a range of flexible life insurance options designed to meet various needs.
Key Features:
- Flexible Products: Offers term, universal, and variable life insurance with customizable options.
- Innovative Solutions: Provides unique policy features and riders to enhance coverage.
- Customer Support: Known for excellent customer service and support.
Why Choose Lincoln Financial Group: For those seeking flexibility and innovation in their life insurance policies, Lincoln Financial Group offers tailored solutions and strong customer support.
Selecting the right life insurance provider involves considering factors such as financial stability, product offerings, and customer service. The top-rated companies listed—Northwestern Mutual, State Farm, Prudential, MetLife, New York Life, and Lincoln Financial Group—each bring unique strengths to the table. Whether you prioritize personalized service, innovative features, or financial strength, these providers offer comprehensive options to meet diverse needs and ensure that you and your loved ones are well-protected. By evaluating your specific needs and preferences, you can choose the best life insurance provider to secure your financial future.
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