Category: Auto Guid

DALLAS — The Dallas Mavericks fired general manager Nico Harrison on Tuesday, an admission nine months later that the widely criticized trade of Luka Doncic backfired on the franchise.

The move came a day after Mavericks governor Patrick Dumont attended a 116-114 loss to the Bucks in which fans again chanted “fire Nico,” a familiar refrain since the blockbuster deal in February that brought Anthony Davis from the Los Angeles Lakers and angered the Dallas fan base.

The Mavericks appointed Michael Finley and Matt Riccardi as co-interim general managers to oversee basketball operations.

Dumont’s hope for goodwill with the fans never came even after Dallas landed No. 1 overall pick Cooper Flagg with just a 1.8% chance to win the draft lottery.

There have been plenty of empty seats in the upper deck of American Airlines Center this season, something not seen consistently since 2018, when the Mavericks traded up to get Doncic with the third overall pick.

Doncic was a 25-year-old generational point guard in his prime when Harrison unloaded him for the oft-injured Davis, who has missed 30 of 44 regular-season games since his arrival in February.

Harrison was in his fourth season and had engineered three trades that helped the Mavs go on a run to the Western Conference finals in 2022 and the NBA Finals two years later.

The Doncic trade and a slow start to the first full season without the young superstar led to a stunning downfall for Harrison, who declined to comment to The Associated Press. Dallas is 3-8, and Davis has missed six of the 11 games with a calf injury.

“No one associated with the Mavericks organization is happy with the start of what we all believed would be a promising season,” Dumont wrote in a letter to fans. “You have high expectations for the Mavericks, and I share them with you. When the results don’t meet expectations, it’s my responsibility to act.”

While Dumont didn’t directly mention the Doncic trade in the letter, he acknowledged the vitriolic reaction of fans, who protested after the shocking deal. The Las Vegas-based Dumont and Adelson families, who bought the Mavericks from Mark Cuban in late 2023, were targets of the criticism as well.

“I understand the profound impact these difficult last several months have had,” Dumont wrote. “Please know that I’m fully committed to the success of the Mavericks.”

Dumont approved Harrison’s decision to trade Doncic, which kept the Mavericks from having to commit to a $346 million, five-year supermax extension for the Slovenian star.

Harrison tried to defend the deal by repeating a “defense wins championships” line. But with Davis sidelined by a calf injury and star guard Kyrie Irving still out after tearing the ACL in his left knee last March, defense hasn’t mattered much because Dallas has one of the worst offenses in the NBA.

With Davis and Irving playing together for just part of one game last season, the Mavericks missed the playoffs a year after Doncic led them to the NBA Finals.

The slow, injury-plagued start to this season for the Mavericks coincided with Doncic joining Wilt Chamberlain as the only NBA players to open a season with three consecutive games of at least 40 points.

Doncic’s historic run was interrupted by a three-game injury absence, but the Lakers won twice without him and are 8-3.

Harrison had spent 20 years with Nike and had close relationships with several NBA stars, including the late Kobe Bryant, when Cuban hired him in 2021.

The hiring of Harrison was the first step in trying to restore stability after former general manager Donnie Nelson was fired, then Rick Carlisle resigned as coach a day later. Nelson and Carlisle had been together for 13 years.

Harrison hired Jason Kidd as coach, and the Mavericks reached the Western Conference finals their first season together after Harrison’s first blockbuster trade.

He broke up the European pairing of Doncic and Kristaps Porzingis and got Spencer Dinwiddie, who played a key supporting role with Doncic as the Mavericks stunned Phoenix with a Game 7 blowout in the second round before losing to Golden State in five games.

A year later, Dinwiddie was part of the next blockbuster trade, which brought Irving from Brooklyn. The Mavericks faltered the rest of that season largely because of injuries, but they reached their first NBA Finals in 13 years in 2023-24, led by the pair of star guards. Dallas lost to Boston in five games.

That deep playoff run came in the first six months after Cuban sold the team. He said then that he would maintain control of basketball operations, but that didn’t happen.

Dumont quickly put full control of the basketball side in the hands of Harrison, who saw Davis as a championship-caliber player in the mold of Bryant. Davis won a title with LeBron James and the Lakers in 2020.

Cuban criticized the trade of Doncic, saying he never would have approved it and adding that he didn’t think Dallas got enough in return. Months later, though, Cuban credited Harrison for his salary cap management.

Finley, who was Harrison’s top assistant and has been in the Dallas front office for a decade, was a two-time All-Star for the Mavericks in the early 2000s when Hall of Famer Dirk Nowitzki was coming of age.

Finley had moved on to San Antonio when Nowitzki led the Mavericks to the NBA Finals in 2006. Dallas lost to Miami that year but beat the Heat five years later for the franchise’s only championship.

In an attempt to strike a delicate balance between protecting farmers’ incomes and keeping prices of basic goods as low as possible for consumers, President Marcos last week approved a “trigger-based” rice tariff mechanism that will adjust import duties depending on global prices of the country’s primary staple.

Under Executive Order No. 105 signed last Friday, the current 15 percent tariff on rice brought in from abroad—mainly from neighbors Thailand and Vietnam—will be kept in place until the end of this year.

But starting Jan. 1, 2026—when rice imports will be allowed to resume—the tariff will be adjusted by 5 percentage points for every 5 percent movement in world market prices, although it will not go below 15 percent or above 35 percent.

“The automatic tariff mechanism aims to ensure price stability for Filipino consumers while safeguarding fair income for local farmers,” said the order, which amends the June 2024 EO 62 that slashed rice tariffs from a high of 35 percent to a flat 15 percent until 2028 to force down rice retail prices and cool inflation.

As to what the starting tariff will be, the Department of Agriculture (DA) has until Dec. 15 to determine, with Agriculture Secretary Francisco Tiu Laurel Jr. saying that it will likely not stay at 15 percent.

Twin mandates

By making the rate more flexible, the Marcos administration hopes to smooth out the volatility in rice prices and keep them at a level that will make it profitable for farmers to keep planting rice, and at the same time, within reach of consumers who allot a big part of their everyday budget on rice, which is also one of the key drivers of inflation.

To ensure that the policy will bring in the intended benefits, the President created an Inter-Agency Group on Rice Tariff Adjustment composed of agencies under the economic cluster to closely monitor global rice trends, determine trigger levels, and determine when the adjustments are warranted.

On paper, the “trigger-based” tariff scheme seems like a Solomonic solution to fulfill the government’s twin mandates to take care of both the rice industry including farmers and consumers. But its success will rest primarily on the ability of the newly formed interagency group to implement the tariff adjustments at the right time and at the right magnitude.

It cannot afford to stray from closely monitoring global movements of rice prices as well as realities on local ground considering the dynamic and opposing forces that are at play.

‘Recycled experiment’

Economists are pushing for lower tariffs and lifting of the import ban to lower consumer prices on one side while farmers’ groups are calling for the maximum 35-percent tariffs on imports to protect the local industry and push up their income.

Last month, the Foundation for Economic Freedom, whose members include some of the country’s top economists, urged the government to immediately lift the import ban and maintain the rice import tax at 15 percent to keep inflation in check.

They argued that banning imports and possibly raising the tariffs to a high of 35 percent as floated by the DA would cause rice prices to increase and also “represent a significant setback to economic liberalization, consumer welfare, and overall national competitiveness.”

The Kilusang Magbubukid ng Pilipinas (KMP), on the other hand, is urging the Marcos administration to do the exact opposite and keep the tariffs at 35 percent, adding that the latest EO was “a recycled experiment” to hide the impact of rice liberalization that it claimed devastated local rice production and made the Philippines even more dependent on imports to feed its people. “Sa bawat pagbaba ng taripa, mas nalulugi ang mga magsasaka (With every reduction in tariffs, farmers lose more money,)” said KMP chair Danilo Ramos.

Clearly divisive

The Samahang Industriya ng Agrikultura (Sinag) shares this view, claiming that the longer reduced tariff remains in effect, the greater the damage will be to local rice farmers who are already reeling from depressed palay prices.

Sinag pointed out that the landed cost of imported rice at current rates is already down to P25 to P26 a kilo, thus even with a 35 percent tariff, imported rice would remain affordable and will put locally produced rice at a more competitive position.

“It is deeply disappointing that the National Economic and Development Authority (now the Department of Economy, Planning, and Development) continues to turn a blind eye to both the sharp decline in global prices and the plight of local producers,” said Sinag executive director Jayson Cainglet.

Given how the tariff issue is clearly divisive, the new body certainly has its job cut out for it as the Marcos administration puts this latest measure into effect.

Adjusting tariff rates by too little, too much, too early, or too late will have profound implications on the prices at which households buy rice, thus, it should pull the policy levers with great caution and intent to benefit the majority.

MANILA, Philippines — The government’s corruption crisis, softer consumption and cut in public spending that led to economic growth slowing to a four-year low continued to erode investor confidence, with the capital index on track to drop to its weakest finish since the COVID-19 pandemic.

The Philippine Stock Exchange index (PSEi) fell by another 1.29 percent, or 73.57 points, to close at 5,629.07, a fresh five-year low.

The broader All Shares Index also declined by 0.94 percent, or 32.82 points, to 3,465.61.

Among the key sectors, only the services ended in the positive territory. Financials and property sectors bled more on Tuesday’s trading.

READ: Stocks rally on hopes of US government shutdown ending

Analysts said that the local bourse continued to see a bloodbath as depressing government data clouded investor optimism.

“The market remained weak as investors continue to price in softer GDP (gross domestic product) growth for the next few quarters, with 3Q25 corporate earnings starting to show strain from the weakening economy,” said Alfred Benjamin Garcia, research head at AP Securities Inc.

Last week, the government reported that the economy grew by just 4 percent in the July to September period, its slowest since the first quarter of 2021—when the Duterte administration imposed hard lockdowns to lessen the virus’ blow.

The Marcos administration’s growth target, on the other hand, is set at 5.5 percent to 6.5 percent.

Blamed on infrastructure anomalies

The sharp contraction in public spending was blamed on widespread anomalies linked to flood control projects. To recall, the Department of Public Works and Highways had suspended a number of activities, especially those covering bidding and procurement for local projects.

Household consumption also slowed to 4.1 percent due to a series of typhoons.

“While the index may stage an interim rebound due to oversold conditions, the general directional bias remains on the downside. Any rally, if any, may just be temporary,” Ron Acoba, chief investment strategist at Trading Edge Consultancy, said in a message.

READ: Ombudsman uncovers paper trail, bank transactions in flood control mess

“As of now, the index is clearly trending south, and is now eyeing its pandemic low of around 4,500,” Acoba added.

He even noted that the index would have already plunged to the pandemic level without a lift from International Container Terminal Services, Inc. and Manila Electric Co., which he said “account for about 20 percent weight in the index.”

“As for whether the weakness could drag on, short-term, the market seems to be trying to find a support level where valuations are cheap enough to justify bargain-hunting. Until that bottom is found, we can’t say for certain when this trend will reverse,” Garcia added.

For Tuesday’s trading, DigiPlus Interactive Corp. logged the highest gain, increasing 7.65 percent to P27.45. Universal Robina Corp., on the other hand, was the worst index performer, falling 6.64 percent to P66.10. INQ

MANILA, Philippines — The government’s corruption crisis, softer consumption and cut in public spending that led to economic growth slowing to a four-year low continued to erode investor confidence, with the capital index on track to drop to its weakest finish since the COVID-19 pandemic.

The Philippine Stock Exchange index (PSEi) fell by another 1.29 percent, or 73.57 points, to close at 5,629.07, a fresh five-year low.

The broader All Shares Index also declined by 0.94 percent, or 32.82 points, to 3,465.61.

Among the key sectors, only the services ended in the positive territory. Financials and property sectors bled more on Tuesday’s trading.

READ: Stocks rally on hopes of US government shutdown ending

Analysts said that the local bourse continued to see a bloodbath as depressing government data clouded investor optimism.

“The market remained weak as investors continue to price in softer GDP (gross domestic product) growth for the next few quarters, with 3Q25 corporate earnings starting to show strain from the weakening economy,” said Alfred Benjamin Garcia, research head at AP Securities Inc.

Last week, the government reported that the economy grew by just 4 percent in the July to September period, its slowest since the first quarter of 2021—when the Duterte administration imposed hard lockdowns to lessen the virus’ blow.

The Marcos administration’s growth target, on the other hand, is set at 5.5 percent to 6.5 percent.

Blamed on infrastructure anomalies

The sharp contraction in public spending was blamed on widespread anomalies linked to flood control projects. To recall, the Department of Public Works and Highways had suspended a number of activities, especially those covering bidding and procurement for local projects.

Household consumption also slowed to 4.1 percent due to a series of typhoons.

“While the index may stage an interim rebound due to oversold conditions, the general directional bias remains on the downside. Any rally, if any, may just be temporary,” Ron Acoba, chief investment strategist at Trading Edge Consultancy, said in a message.

READ: Ombudsman uncovers paper trail, bank transactions in flood control mess

“As of now, the index is clearly trending south, and is now eyeing its pandemic low of around 4,500,” Acoba added.

He even noted that the index would have already plunged to the pandemic level without a lift from International Container Terminal Services, Inc. and Manila Electric Co., which he said “account for about 20 percent weight in the index.”

“As for whether the weakness could drag on, short-term, the market seems to be trying to find a support level where valuations are cheap enough to justify bargain-hunting. Until that bottom is found, we can’t say for certain when this trend will reverse,” Garcia added.

For Tuesday’s trading, DigiPlus Interactive Corp. logged the highest gain, increasing 7.65 percent to P27.45. Universal Robina Corp., on the other hand, was the worst index performer, falling 6.64 percent to P66.10. INQ

MANILA, Philippines — Filipino resilience has become a hackneyed idea during typhoons. How about bayanihan instead?

In the past days, as the successive Typhoon “Tino” and Supertyphoon “Uwan” left parts of the Philippines in a sorry state, some of the country’s biggest businesses showed up to help victims across Luzon and the Visayas.

The Lucio Tan Group extended help to families in Tino-hit Cebu and surrounding provinces through its firms, Philippine Airlines (PAL), Asia Brewery and Philippine National Bank.

READ: Typhoon Uwan death toll climbs to 18 – OCD

The conglomerate said the flag carrier PAL was helping in airlift goods to Cebu and other typhoon-hit areas, adding it was “working with government agencies, humanitarian organizations, and private donors to move essential supplies as quickly as possible.”

Some 3,000 6-liter bottles of water have been distributed in Talisay, Cebu, with additional relief operations planned in Liloan and Consolacion.

Meanwhile, power distributor Meralco said it had restored power for about 203,000 customers as of Monday morning, down from 400,000 at midnight.

As the Philippines navigates through the ravages of Tino and Uwan, we can surely expect more of these acts of bayanihan not just from big businesses like these, but even among ordinary Filipinos. —Logan Kal-El M. Zapanta

Italpinas names new chief

Italpinas Development Corp. (IDC) has a new chief as it seeks boutique living bloom beyond the capital region.

Giuseppe Garofalo will lead the listed boutique developer’s dream to cash in on the rising demand for real estate projects in provincial areas.

He will succeed Romolo Nati, IDC’s co-founder who will continue to serve as the chair of the board and the chief of the design office.

The outgoing CEO said naming a new leader was necessary as the group’s growth vision needs “execution capability more than ever.”

READ: Italpinas expands Cagayan de Oro development

Garofalo has been in the firm’s leadership team, serving as chief operating officer.

“IDC’s success is built on a unique blend of sustainability, innovation, and teamwork,” he said.

“I look forward to leading our talented team as we continue to grow responsibly, create value for our shareholders, for the environment and for the communities and deliver thoughtfully designed certified green developments to our clients,” Garofalo added.

Backing its goal of launching a stronger footprint in the property market, Italpinas had vacated the energy sector through the divestment of its minority stake in Constellation Energy Corp.

It also secured joint venture agreements for several real estate developments in Palawan and Mindanao. —Lisbet K. Esmael INQ

MANILA, Philippines–Chery Tiggo kept its quarterfinal hopes alive with a dramatic 27-25, 23-25, 25-12, 22-25, 15-13 victory over Capital1 in a grueling PVL Reinforced Conference match Tuesday at FilOil EcoOil Centre in San Juan.

Leading the charge was Yuni Batista, who scored a tournament-high 41 points, including the match-winning hit that sealed the victory.

In a tense fifth set, Chery Tiggo led 14-11 before Capital1 rallied to 13-14. After a Capital1 dig, Batista reset and finished the clinching point off a pass from Alina Bicar.

“I didn’t think too much; I just took it point by point,” said Batista, who set a new tournament scoring mark, surpassing Sasha Bytsenko’s 39 points.

The win halted Chery Tiggo’s slump and improved its record to 2-4, tying Choco Mucho for ninth place. While still outside the top tier, the victory kept the Crossovers in the hunt for a quarterfinal berth as the two-round preliminaries near their conclusion.

“This win is so important to us. We still need to reach the quarterfinals,” Batista said.

Supporting Batista, Ara Galang added 11 points for Chery Tiggo, Shaya Adorador seven, and Mylene Paat, Renee Peñafiel, and Cza Carandang six apiece.

Capital1 meanwhile, draw 34 points from Oleksandra Bytsenko while  rookie Bella Belen shone with a career-high 22 points in a losing effort .

While Typhoon Uwan is on the way out, state meteorologists reiterated that flooding and storm surges are still likely, even if the eye of the storm is far from an area.

While flooding is starting to recede across several water basins, PAGASA warned that flooding is still possible in areas connected to the Bicol River, Agno River Basin, Cagayan River Basin, Apayao-Abulug River Basin and Laguna De Bay River Basin.

PAGASA has also hoisted a storm surge warning over several areas, saying that residents in low-lying areas must stay away from the coast and move to higher grounds.

The following storm surge warning has been issued, effective within the next few hours:

Storm Surge Height (2.1 meters to 3.0 meters)

Ilocos Norte

Bacarra

Burgos

Pasuquin

Bangui

Pagudpud

Badoc

Currimao

Laoag City

Paoay

Ilocos Sur

Cabugao

Caoayan

Candon

Vigan

Magsingal

Narvacan

San Esteban

San Juan

San Vicente

Santa Catalina

Santa Cruz

Santa Lucia

Santa Maria

Santiago

Santo Domingo

Sinait

Tagudin

La Union

Agoo

Aringay

Bacnotan

Balaoan

Bangar

Bauang

Caba

San Fernando

Luna

Rosario

San Juan

Santo Tomas

Pangasinan

Agno

Anda

Bani

Bolinao

Burgos

Dasol

Infanta

Zambales

Candelaria

Masinloc

Palauig

Santa Cruz

Storm Surge Height (1.0 Meter To 2.0 Meters)

Aurora

Dinalungan

Dipaculao

Casiguran

Dilasag

Bataan

Mariveles

Bagac

Morong

Batangas

Nasugbu

Calatagan

Lian

Cagayan

Peñablanca

Baggao

Abulug

Aparri

Calayan

Ballesteros

Buguey

Claveria

Gattaran

Gonzaga

Lal-Lo

Pamplona

Sanchez-Mira

Santa Ana

Santa Praxedes

Santa Teresita

Peñablanca

Cavite

Maragondon

Ternate

Isabela

Dinapigue

Divilacan

Palanan

Maconacon

Occidental Mindoro

Lubang

Looc

Calintaan

Sablayan

Santa Cruz

Mamburao

Paluan

Palawan

Busuanga

Coron

Culion

Linapacan

Pangasinan

Binmaley

Alaminos

Dagupan City

Labrador

Lingayen

San Fabian

Sual

Zambales

Botolan

Cabangan

Iba

San Antonio

San Felipe

San Narciso

Subic

Olongapo

The International Criminal Court (ICC) said it cannot confirm reports that it has issued a warrant of arrest against Sen. Ronald ‘Bato’ dela Rosa in connection with the Duterte administration’s war on drugs.

In a message to reporters on Monday, November 11, ICC spokesperson Fadi El Abdallah said official updates from the court can be verified only through its communications channels and press releases.

‘No, the ICC can’t confirm such news,’ El Abdallah said, responding to multiple queries over Ombudsman Boying Remulla’s statement.

‘ICC news can be found only on ICC official communications channels and press releases, where you could see that only one case to date has been opened, against Mr Duterte,’ he added.

On November 8, Remulla said in a DZRH interview that a warrant of arrest has already been issued against Dela Rosa by the ICC in connection with the war on drugs during the administration of detained former President Rodrigo Duterte.

What Remulla said. In a DZRH interview on November 8, Remulla claimed that the ICC had already issued a warrant of arrest against Dela Rosa.

‘I have it in good authority [to disclose] because this is a public interest program, that the ICC has issued a warrant against Senator Bato Dela Rosa, a warrant of arrest,’ Remulla said.

Following his statement, the Department of Foreign Affairs and the Department of Justice both said they have yet to receive any notice from Interpol regarding such a warrant.

What came before

On March 11, former president Rodrigo Duterte – who appointed Dela Rosa as Philippine National Police (PNP) chief – was handed over to the ICC following his return from Hong Kong. He was arrested for alleged crimes against humanity, including murder, over thousands of deaths linked to his administration’s anti-drug campaign.

In response, Duterte’s lawyers filed a petition before the Supreme Court questioning the Philippine government’s cooperation with the ICC. Dela Rosa is among the respondents to the petition.

As PNP chief, Dela Rosa was the architect of Oplan Tokhang, the flagship operation under Duterte’s war on drugs. Human rights groups say the toll from the operations could be as high as 30,000, most of them male, poor and did not go through due process before execution.

MANILA, Philippines – Every year, we go through the same gift-giving dilemma-playing it safe with mugs, socks, or scented candles. But what if, this time, you could give something that truly stands out? Imagine surprising your loved ones with a bigger, more meaningful gift for as low as P20 a day.

This holiday season, Home Credit Philippines (HCPH), the country’s leading consumer finance company, makes it easier to give memorable gifts through The Great Double Zero Festival.

With zero downpayment, 0% interest, and flexible installment plans of up to 24 months, you can now turn your gift list into reality-whether it’s the latest gadgets, a new laptop, or home appliances-while keeping your holiday spending light and easy.

From tech must-haves to home essentials, there’s something for everyone on your list. Here are some exciting gift ideas you can get through The Great Double Zero Festival:

Appliances for a merrier home for as low as P749 per month or P25 per day

Bring joy to the whole family with appliances that make home life more comfortable and convenient. From upgrading the kitchen to improving everyday living, these gifts are perfect for moms, dads, or even newlyweds building their dream home. Get these practical yet thoughtful presents for as low as P749 per month or P25 per day.

Condura 8.2cu ft Inverter Refrigerator – Give the gift of freshness and efficiency for as low as P25 per day or P749 per month for 18 months, retailing at P18,601.

Devant 55-inch 4K UHD Smart TV – Make family movie nights merrier with this Smart TV for as low as P30 per day or P909 per month for 18 months, retailing at P 22,313.

Panasonic 8.6cu ft Inverter Two Door Refrigerator – Surprise them with this energy-efficient refrigerator for as low as P28 per day or P 839 per month for 18 months, retailing at P20,600.

Gifterrific gadgets for as low as P599 per month or P20 per day

Make the holidays brighter with gadgets that add joy and everyday convenience. Whether it’s for a sibling who loves capturing memories, an inaanak who’s always online, or a dad who deserves an upgrade, these gifts are sure to bring smiles all around. Get them for as low as P599 per month or P20 per day.

Vivo V50 Lite 4G – Surprise them with this stylish smartphone for as low as P20 per day or P599 per month for 18 months, retailing at P13,999.

Xiaomi Redmi Note 14 – Give this sleek and reliable everyday phone for as low as P26 per day or P769 per month for 9 months, retailing at P9,499.

Honor Pad 9 With Keyboard – Gift this multitasking tablet for as low as P26 per day or P769 per month for 18 months, retailing at P17,999.

Holiday hustle-ready laptops for as low as P1,499 per month or P50 per day

Surprise students or young professionals with a laptop that can keep up with every holiday hustle. Whether for work, school, or play, it’s a thoughtful gift that helps them stay productive and powered through the season and beyond-all for as low as P1,499 per month or P50 per day.

Acer Aspire Lite – Give them a reliable everyday laptop for as low as P50 per day or P1,499 per month for 18 months, retailing at P36,999.

Asus TUF A15 – Surprise them with this performance-ready laptop for as low as P 62 per day or P 1,869 per month for 18 months, with a retail price of P45,999.

Lenovo LOQ – Gift this powerhouse for just P79 per day or P2,359 per month for 18 months, retailing at P57,995.

With The Great Double Zero Festival, making the holidays more memorable has never been this easy. The promo runs until December 31, giving you plenty of time to find the perfect gift for everyone on your list.

Applying is simple. Just present one valid ID and get approval in as fast as one minute, subject to eligibility. This offer is available at over 18,000 Home Credit partner stores nationwide, where in-store Home Credit representatives are ready to assist you.

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Make gift-giving mas bongga this holiday season with Home Credit-because the most meaningful gifts are now easier to give!