Year: 2019

It is every parent’s duty to discipline their kids and to teach them the importance of work and play balance. Work for kids is equivalent to their time in school, while play is their free leisure time. Both of these important aspects should be balanced for the purpose of teaching your kids to manage their time and prioritize studies over games. Here are just a few things parents can do in order to implement this discipline consistently:

1. No means NO!

Discipline may be either be soft or rigid. There are times in which you’d have to softly whisper instructions to your kids, something that parents often do to their obedient tykes. For strict compliances, however, the word “no” would definitely mean a strong, rigid NO! Your kids should learn that not “every time” is a “playtime,” when they try to force their way into more games, tell them the difference between priorities and hobbies. Yes, they may play, but only during their free times (weekends, after every homework is done, summer vacation, etc.), but once they come home from school, the free passes are off and they should stick to their books, and concentrate on their studies. As parents, you may assist them in accomplishing school work, but not to the point that you’d have to finish all the deliverables for them.

2. All work and no play make them non-sociable.

While urging them to focus on their studies should be on top of every school year’s “to-do list,” always remember that they still need time to loosen up and indulge in play. You can even convert this into a reward system. After they finish their home works/assignments, you may allow them to play on their cellphones or computer, given that they are able to understand their lessons, and not just rushing to accomplish it in record time. A parent’s job at this point is to monitor their children’s progress and to intervene whenever they’re underperforming. Explain the consequences of all work and no play, while at the same time, emphasizing on the disadvantages of the opposite as well. Here in the Philippines, a certain law prohibits teachers from giving their students home work during the weekends, hence, kids can have two whole days of play.

3. School work doesn’t have to be boring.

Believe it or not, teachers are actually implementing fun ways of educating their students nowadays. Gone are the days of focusing solely on books. Kindergarteners are now enticed to learn via songs and educational videos, grade-schoolers are also shown visual aids and videos to help them understand their lessons better. As parents, you may apply this process in helping your kids with their homework. There are countless videos online pertaining to class lessons. Instead of watching the usual animes and movie trailers, you may encourage them to watch a review of their lessons, some with shortcuts and techniques that would help them implement their studies faster (shorter formulas for Mathematics, memory graphs for historic dates and events, etc.).

With all of that being said, another major thing that you can teach your kids is to save. At an early age, they should know the dos and don’ts of financials, and as parents, it is your duty to let them know that money do not grow on trees. Cebuana Lhuillier can help you do just that. You’re probably looking for a bank that you’d be able to trust with all of your life’s worth of savings (and perhaps a Junior Savings Account for your kids as well).  Look no further than Cebuana Lhuiller, with its Micro Savings. Initially offered in our Rural Bank branches, it is now available through our entire Cebuana Lhuillier branch networks. Simply put, you can use your 24K Plus card at any of our Cebuana Lhuillier Pawnshop and Bank Branches in order to save. With a minimum deposit amount of only P50 and no minimum maintaining balance, it’s incredibly easy to apply for one. You can even check your savings amount via SMS 24/7. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

The rainy season may possibly be one of the most anticipated seasons for most Filipinos. Aside from the fact that it moderates the afternoon heat and humidity, it also provides various opportunities to save. Yes, it also brings forth expenditures due to house fixes, such as roof repairs and flood controls, but property damage aside, the rain allows for a much wider choice of saving options, especially if you’re just coming out of an expense-filled summer. If you’re still not convinced, then allow us to present a few valuable tips to avoid unnecessary expenditures during the rainy season:

1. Turn off the air conditioner

The rainy season marks the start of a much cooler climate, not counting winter in the mix. This is the perfect opportunity for you to save up on electricity bills. Air conditioning would usually cost you a few thousands, and considering that you’ve had them on for most of the summer season, you may find yourself coming out of a tight budget. This is the perfect time to recover from that much expense, enjoying the cool rainy season breeze while saving up for the upcoming seasons as well.

2. Plan your laundry days ahead of time

Take note of weather reports and time your laundry days right. Experiencing the rainy season doesn’t necessarily mean you’d have constant days of rain, as there will always be sunny days. If the weather report indicates a sunny day tomorrow, then by all means, wash your clothes and hang them out to dry. And while it may seem counterproductive, do not use your dryer as well, especially if the sun is enough to dry them all. Not using your dryer would at least enable you to save more.

3. Unplug your appliances when not in use

This isn’t just about saving up on utility-generated bills. The rainy season brings many unexpected forces of nature, and one of those is thunderstorms. For your safety, unplug your appliances when not in use. A stike of thunder may overload your appliances and cause a spark. Avoid using them altogether at the first sign of thunder or lighting. Also make sure to close your windows during rain, as rainwater (being blown by strong winds) may damage your most beloved possessions indoors, and this may prove to be very costly.

4. Do your workouts indoors, instead of going to the gym

Gym memberships are too expensive nowadays. One of the main reasons why people choose to workout in their preferred gyms is that working out at home is too uncomfortable. Summer heat and lack of equipment can do that. The rainy season is bit different, however, as not only are you entitled to a much cooler temperature, it’s also unsafe to travel during heavy rains, so pocket your fare money and opt to do your workouts at the comfort of your home instead. If your windows feature an anti-mosquito screen, then by all means, open them to let cool air in while you shed the pounds.

With all of that being said, you’re probably looking for a savings bank in the Philippines that you’d be able to trust with all of your hard-earned money.  Look no further than Cebuana Lhuiller, with its Micro Savings. Initially offered in our Rural Bank branches, it is now available through our entire Cebuana Lhuillier branch networks. Simply put, you can use your 24K Plus card at any of our Cebuana Lhuillier Pawnshop and Bank Branches in order to save. With a minimum deposit amount of only P50 and no minimum maintaining balance, it’s incredibly easy to apply for one. You can even check your savings amount via SMS 24/7. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

If you’re looking to get rid of a few pre-loved items while making a little extra cash at the same time, then pawning would be your best option. You are free to choose any pawn shop that you like; however, you should also be doing your own homework. When it comes to pawning, it isn’t just about going to the venue, surrendering your jewels, and getting your cash in return. You should also prepare, to avoid making any mistakes which may affect your appraisals. Here are just a few dos and don’ts that you should be aware of:

1. Do your homework

Do: Know the real worth of your jewelry. Before you proceed to the pawnshop, you should at least have knowledge of your item’s manufacturer, karat weight, and the current market price. These are very important, as you may need to negotiate the amount once you present the jewelry. Remember, you are trying to achieve the best deal out of pawning, and the best way of doing that would be to get the highest appraisal possible.

Don’t: The exact opposite, which is coming unprepared. Aside from the usual knowledge of your jewel’s worth, you should also clean them. An unclean item may earn you a low appraisal, and that would hurt your chances of getting a reasonable amount from pawning. The way you present your jewels would show the pawnshop representatives how determined you are of getting a great deal, and a shady presentation would indicate that you have to intention of receiving that at all.

2. Inspect the place

Do: Remember when we told you about having the freedom to transact with any pawnshop that you want? Well, that’s definitely true; however, you should also take caution. Name recognition alone does not speak for a pawnshop’s quality of service. You should see to it that the establishment is well-organized, well-lit, secure, and manned by an accommodating and knowledgeable staff. Security should be of utmost importance, as you wouldn’t want anyone taking off with your priced possessions, would you? Choose another pawnshop if these standards aren’t met.

Don’t: The fact that the said criteria weren’t met and you still chose to transact with them anyway. Nothing is worse than putting your items at risk. Thieves aren’t your only problem at this point, as low and dishonest appraisals are your worst enemies. Avoid this at all cost.

3. High-quality service

Don’t: Let’s switch it up a bit. We’re going to start with the “don’t” this time. Obviously, you wouldn’t want your jewels to be pawned off in exchange for a low appraisal; neither are you willing to wait in line just to have five to ten minutes of transaction time. There are countless ways of going about this problem, and tolerating low-quality service isn’t one of them.

Do: With all of that being said, you may be looking for a pawnshop that would provide you with the most honest return possible. No worries, as Cebuana Lhuillier has got your back. With their Pawning Service you can be sure to get a high appraisal rate and never go disappointed as they accept an array of items, from jewelry to gadgets, as collaterals. In such case, they’d also offer the best items they have once you decide to buy jewelry from them. They also lead the pawning industry by offering safety and the highest appraisal rate in the industry in its close to 2,500  branches nationwide.

Our homes cannot always protect itself against the forces of nature. While it may have strong foundations and impenetrable walls for the most part, the other parts may not hold up so well. This is true, especially during rainy seasons. Heavy rains can ruin a good home in a flash, and we’re not even getting to the flood part yet. In such case, you should be prepared at all times. Prevention is always better than cure, which is why here are a few important tips to protect your home during the rainy season:

1. Clean your gutters.

Leaves can accumulate in your gutters after sometime, so you should check them every often. During sunny days, take time to climb and monitor the amount of fallen leaves in your gutter. If there ise too much to be desired, then by all means, remove them. This would avoid any blockages during rainy season, and would allow rainwater to flow freely from the roof of your house down to the drains. Take note that you should also check your drains, as they could also cause flood if obstructed by leaves and dirt.

2. Check your roof for holes.

One common cause of property damage is rainwater seething through the roof. Take time to inspect your roof, and be ready with a sealant. Sturdy and waterproof sealants are fairly affordable in hardware stores, hence, why you should purchase about one or two of them. Brand name doesn’t matter, they would usually do as they are advertised, just be sure to have a few of them around, especially during rainy season. The amount you’d need to apply would depend on the size of the hole – the bigger it is, the more you’d have to squeeze out of the sealant packet. If you’re willing to spend extra, you may need to replace your roof overall.

3. Fix your windows.

Broken windows would not be able to deflect rainwater from entering your homes. Remember, you’re not just dealing with the rain itself; there are also strong winds which would blow rainwater indoors, towards your appliances. It is always advisable to close your windows at the first sign of rain, but a broken one would be as good as no windows at all. Replace the glass and jalousie if you have to, just as long as there would be something to prevent rainwater from coming in.

With all of these in mind, one main way of protecting your home from heavy rains and strong winds is availing Microinsurance, but you may definitely want to weight in your options, analyzing which establishment would be best for availing a microinsurance premium and coverage. Look no further than Cebuana Lhuillier’s Microinsurance, affordable insurance products to help Filipinos avail of financial services and privileges that higher-income earners have easy access to. They have innovative microinsurance products and services that promise to minimize impact of distress and misfortune on one’s financial position. Feel free to visit your nearest branch for more information.

Being on the road requires concentration and focus. Anything can happen when you’re going through curves and speeding through the highway, which is why a driver’s quick decision-making and alertness is of utmost importance. With that being said, nothing is more risky than driving in the rain. Regardless of where you’re going, the fact that wheel tractions are far limited by rainwater means that you should always be vigilant and wise. Remember, your life and the safety of your passengers are on the line, and every decision made on the road should be the wisest that you’ll ever make. If you’re not sure of what to do, here are our safety driving tips during the rainy season:

1. Slow down

We understand that you’re in a hurry to get to work or to drop off your kids at school, but not slowing down during the rain attracts accidents quicker than how a flower attracts bees. Roads are far more slippery during the rainy season, as traction is reduced due to rainwater. This isn’t magic, but pure science. In such case, you may need to check your tires before leaving home, check if the tire grips are still intact, and that your brakes are working perfectly. Safety should always be your priority. Never mind being late, as long as you’d reach your destination safe and sound.

2. Turn your wipers on.

Heavy rains usually limit visibility on the road, which is why you should turn your wipers on. This may sound like a simple instruction, but you’d be surprised at the amount of people who would prefer to try their luck during the rain, and usually, it doesn’t end well for them. A clear view in front of you would allow to see cars up ahead, as well as steep curves and sudden turns. This is far more critical when you’re driving during night time. Never rely on other drivers to turn on their lights, be vigilant yourself to turn on the wipers and stay alert during the whole ordeal.

3. Hold the steering wheel firmly, with both hands.

You would need to maximize vehicle control. There is a big tendency for the roads to be slippery, so you should at least be ready to step on the brakes and make sudden turns when necessary. The thing about driving in the rain is that you’re not the only potential perpetrator when wise decisions aren’t made, as other drivers may not be too considerate as well, causing accidents which may affect you and your passengers. To avoid this, split-second decisions should be made, and since you’re the one holding the wheel, be sure you have total control of the whole situation. Make your trip safe and worry-free.

Speaking of being worry-free, you may be looking for a full-pledged car insurance service that has nothing but your best interest in mind. Having car insurance is important, especially as you’ll have lots of long-distance travels, such as this summer family trip. With that being said, nothing beats Cebuana Lhuillier’s AutoCARE Insurance, a Standard Comprehensive Car Insurance that covers Own Damage (OD), Theft, Loss and/or Damage. Excess Bodily Injury (EBI), Excess Property Damage (EPD), and Acts of God/Nature (AOG/AON). So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Kids love the outdoors. It doesn’t matter if it’s hot outside, they’d always search for ways tohave fun!For the most part, they are confined within the four corners of our homes, but that should not stop them to be imaginative and wise with their playtime.. If you’re trying to find ways to bond with your kids and teach them at the same time during this long summer break then no need to look any further than our three special tips.

1) Less gadgets, more outdoor play.

Gadgets run out of batteries, so they may need to be charged from time to time. You can lessen your kid’s power consumption by allowing them to play outside. Of course, this doesn’t mean that you’d force them to play beneath the blaring sun; you also have to time it right. Perhaps an early hour jog may motivate exercise, and then indoor rest during noon, then last but not the least, a few outdoor games at dusk. Your options are endless.

2) House chores are always a good alternative form of exercise.

House chores do not only teach discipline but also initiate exercise. Think of it as a more directive form of play. It may not seem fun at first, but that is exactly the point. You’re teaching your kids discipline, and it may in turn teach them self-control, resulting to the wise usage of house resources, including electricity. Talk to them about the positive results after – lesser electricity consumption equals to more budget, more budget and less expenditures equals to more savings, especially for their lunch money during the new school year.

3) Less shopping, more learning.

Teach your kids the alternative ways of having fun. Don’t just hand them the tablet, and never hand them any money to buy sweets, as that would be counter intuitive in terms of saving. Buy them a book and enrich their mental abilities as early as now. Make them understand that not all fun can be bought. Yes, candies and toys are fun, but only for a limited amount of time. Once they have run their course, toys would no longer be played, while books would never cease to enhance their learning and answer their young, curious minds.

With all said the money you and your kids saved this summer, you’re probably looking for a bank with savings account that you’d be able to trust (and perhaps a Junior Savings Account for your kids as well). Look no further than Cebuana Lhuiller’s Micro Savings. Initially offered in our Rural Bank branches, it is now available through our entire Cebuana Lhuillier branch networks. Simply put, you can use your 24K Plus cards at any of our Cebuana Lhuillier Pawnshop and Bank Branches in order to withdraw from or deposit to your savings. With a minimum deposit amount of only P50 and no minimum maintaining balance, it’s incredibly easy to apply for one. You can even check your savings amount via SMS. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Yes, the heat demands higher electric consumption due to more frequent usage of electric fans, refrigerator (you need an ice-cold drink, after all), and even washing machine (you need to wash those sweat-drenched clothes), but there are actually ways to get around these consumptions and expenditures. When the summer heat seems unbearable, your needs and comforts will always have alternatives, enabling you to save, rather than to spend this summer.

1) Avoid opening your fridge door when unnecessary

The electric consumption of a refrigerator doesn’t actually depend on the number of food and beverage inside it, but rather on its capability to cool its own containment. The more that you open your refrigerator door, the longer it would take to cool its containment, this is evident on the temperature of its contents. Try to touch your tumbler or the contents of the fruit and vegetable drawers. Do they seem a bit less cool to you? That is because cool air tends to escape the containment itself each time you’d open your refrigerator door, so you should instruct your kids not to treat it as a modified air conditioning unit and keep its doors closed at all times, only opening it to retrieve cold beverage when needed.

2) Wash all your dirty clothes in one go.

Do not make multiple schedules of wash day during the summer, instead, set aside a particular day in which you’d wash them all. Understandably, you may have a whole bundle of dirty clothes during the summer (kids really love to play outdoors), which is normal, as everyone sweats and needs to change into a fresh set of clothes. If you find almost all your wardrobe exalted to this then just set aside a single laundry day. One laundry day is equals to one expenditure, rather than multiple wash days which will generate a lot on your electricity bills.

3) Quit or lessen your air conditioning usage.

This may seem counter intuitive, especially during the summer, but take it from us: you will be able to save a lot just by using your electric fans at home. If multiple fans aren’t doing it for you then feel free to visit the nearby mall with the kids. This may seem like the opposite of saving (it’s the mall, after all), but no one said anything about spending so much in one go. Take time to hang out and stroll, but don’t spend even a centavo on any item for sale. Wait for dusk to arrive or until such time that the summer heat lessens (during the evening). Feel free to go home after.

Now that you have extra money to save, you’re probably looking for a savings bank in the Philippines that you’d be able to trust. Look no further than Cebuana Lhuiller, with its Micro Savings. Initially offered in our Rural Bank branches, it is now available through our entire Cebuana Lhuillier branch networks. Simply put, you can use your 24K Plus card at any of our Cebuana Lhuillier Pawnshop and Bank Branches in order to save. With a minimum deposit amount of only P50 and no minimum maintaining balance, it’s incredibly easy to apply for one. You can even check your savings amount via SMS 24/7. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.